23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I'm asking the credit bureau, I need you to delete the late dates on the disputed XXXX XXXX XXXX XXXX item as they agreed to remove the negativity due to their address error. Despite multiple attempts to correct this, the credit bureau has verified the account, violating the FCRA 's mandate. I'm not asking for an investigation ; I'm demanding the deletion of the unverifiable entry in non-compliance with the FCRA.
Product: Debt collection

NRA National Recovery Agency did not verify my debt and reported me 2 times to all credit agencies for the same debt. 

At or around XX/XX/XXXX I received a letter from NRA stating I owed {$250.00} to XXXX In which I did not know what they were referring to because their letter only stated XXXX {$250.00}. Send us a check. I thought it was a scam letter. I took it upon myself to investigate what they were talking about. I proceeded to logged into my old XXXX account and found out that I had a " XXXX '' balance on my account. Because I was under the impression that all my utilities bills were set up in automatic payment and there was no balance to be paid. I took a screenshot of what I saw and mailed them a copy and asked for validation. Instead, they proceeded to report Serious derogatory remarks upon my credit. Which is affecting me financially. 
On XX/XX/XXXX I send them a letter stating that do to the damages to my credit I will settle to pay an amount of {$200.00} dollars and a deletion of the bad reports to the credit boroughs. A very fair deal for both of us. 
A week later on XX/XX/XXXX I received a phone call from someone in the NRA collection agency stating they were on a capacity of supervisor in which they agreed to delete derogatory remarks on my credit and the {$200.00}. We had an agreement, and I asked them to send me a letter or an e.mail stating that they will delete derogatory remarks. They stated they couldn't or wouldn't put it in writing and that taking their word for it ; it was ok for me. My understanding is that if is not in writing is not legitimate. 
On XX/XX/XXXX I check my credit, and they made again a second derogatory remark. Affecting my credit further I now have a D rating on my credit. 

1. I believed that I asked for validation, and they didn't act in accordance to the credit fair federal rules.

2. I wanted things in writing instead they further affected my credit.
Product: Checking or savings account

I have been using my phone number to send and recv payments using XXXX. When I transferred my phone number to Wells Fargo Checking account, the bank put a restriction on my phone number and now I can not use this phone number to receive XXXX Payments. 

In addition, because of this restriction, I even can not use my phone number for XXXX payment with any other bank. 

I want the bank to remove the restriction so that I can use it with another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect information on my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Mortgage

In XX/XX/2020 my husband died of XXXX and I was named as the successor for the house. I have tried for almost two years to work out a loan modification with Mr. Cooper Mortgage. I have been treated very unfairly in this whole process, meanwhile my default payment is nearly 30,000 and the system will not allow me make payments and my modication has been denied for no ownership interest. 

That is untrue, I am the surviving spouse and living in the house. I am very afraid of losing my home even though this is an FHA backed loan, the bank has still not complied with the law which affords me the right to modifcation. 

Please help me in this matter. 

XXXX XXXX XXXX
Product: Checking or savings account

The company froze my account so I can't get any money or withdrawal any money or use my debit card to pay bills. They won't tell me why or how long the review will take so that my funds are released.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/XXXX I am writing to formally request the removal of inaccurate information from my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681. 

I have identified the following inaccurate information on my credit report : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to Section 605B of the FCRA, a consumer reporting agency must block the reporting of any information that the consumer identifies as information that resulted from an alleged identity theft.

Furthermore, under 15 USC 1681, I am entitled to dispute any information in my credit report that I believe to be inaccurate or incomplete. I have previously disputed this information with the credit reporting agency, but the information remains on my report. 

I hereby request that the Consumer Financial Protection Bureau take immediate action to ensure the removal of this inaccurate information from my credit report. Please confirm in writing that this information has been removed, or provide an explanation if you believe the information is accurate. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Student loan

2nd complaint received response NAVIENT Company said I made payments to FFEL CONSOLIDATED LOAN ....

No I did not..knowingly make payments to this loan..internal revenue refund OFFSETS and 2 wage garnishes.. received notice just this year which is how I found out about this loan I made payments to a parent plus loan for 5.5 years. Bills stopped thought I was paid..

Response listed NAVIENT ADVOCATE..called..told that CONSOLIDATED loan lender was company called XXXX..called XXXX. Now called XXXX..was told N avient owns that loan..

AGAIN SENT IN CIRCLES..STILL NO COMPUTER ADDRESS INFORMATION AND LOTS OF GOBBLY GOOP..
Product: Debt collection

I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt PORTFOLIO RECOV ASSOC # XXXX
Product: Credit reporting or other personal consumer reports

I have inquires on my report that is unauthorized by me
Product: Credit card or prepaid card

XXXX XXXX does not offer auto pay for its XXXX XXXX XXXX, XXXX, XXXX or XXXX credit cards and it is predatory towards new mothers and other customers who have other distractions. 

I normally pay all of my credit cards on time but since having my baby in XX/XX/2018 I have been late many times on these cards- not because of payment issues but because I simply forget and you can only schedule future payments one month out manually.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card

Someone applied for a XXXXXXXX XXXX in my name using my personal info. I froze my credit reports and notified XXXX. XXXX has said they are pulling the application. I believe this is from the BoA data breach which included names, SS # s, DL # s, birth dates, income, employment, addresses, etc.
Product: Mortgage

We were able to get into a repayment plan with PHH after sending them XXXX in XXXX. We made our first installment payment on XX/XX/XXXX, then the following month XXXX PHH claimed they got payment on the XXXX of XXXX. XXXX, our representative, fixed this, knowing our payment was received between XX/XX/XXXX and XXXX. He was able to get us back on the repayment plan. After asking if we could make payment by phone without getting charged, he said he would waive the fee. He processed our payment by phone in XXXX and XXXX without charging us. Yesterday, talking with XXXX, and he told me our account is no longer on a repayment plan. He assured me he emailed the proper person to get it fixed and that he would call me either that day, XX/XX/XXXX, or today. As of the time of this complaint, I left a message with XXXX to see what is happening so we can make a payment. 

I feel XXXX has been accepted to work with us and has accommodated us by not charging a fee to pay over the phone ( I still find this ridiculous that they can charge a price to pay the mortgage over the phone ). Mailing payments proves to be an archaic and unreliable method to pay PHH. The first two months, I mailed the check two weeks early from the first of the following month. 

The bottom line, I feel PHH is not a trustworthy company. However, since returning to a repayment plan, we have made our payments on time. Even more curious is that we never received an official repayment plan agreement, just an email from XXXX saying we are on one. 

We are stressed enough to make our budget work during the repayment plan, which, right now, we are paying XXXX per month. The regular mortgage payment is XXXX, and to have this added stress is not correct, especially since we have been doing what we should be doing. 

Bottom line I just feel PHH is not a trust worthy company we have made our payments on time since going back on a repayment plan. What is even more curious we never did receive an official repayment plan agreement just an email from XXXX saying we are on one.
Product: Credit reporting or other personal consumer reports

This complaint is a notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. 

To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Bureau : XXXX XXXX Name : SANTANDER CONSUMER USA Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry
Product: Credit card or prepaid card

i applied for unemployment with new york state and the state gave me a choice of direct deposit or debit card. i choose direct deposit but never the less he web site decided that in an illegal way to steer me towards KEY BANK debit card which i did not want and now that it has my funds i can not contact them or get a debit card to use my money issued by new york state nor can i contact them and new york state seems to indifferent to my problem please help me get my money from KEY BANK or promt new york state to reissue my monies direct to my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX new york XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Vehicle loan or lease

On my credit report it shows XX/XX/XXXX as a late payment on the XXXX Toyota XXXX when in fact i have Prof of Extension agreement between me and Toyota Financial Services that state the agreement of extension of XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Accounts with XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX was never late! I have had exceptional payment history with all ACCOUNTS and all payments were placed on XXXX. These late payments which became result as charge off that is reporting is a result on a systematic error on their end processing my payment. These was clearly a billing error made within the companies and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family.

I asked multiple times for the late payment reported in ALL MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late, and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer Update and delete the late payments from my consumer reports
Product: Debt collection

This is a continuing problem with XXXX XXXX since XXXX. I had XXXX cell phones with them. XXXX of them I used myself and the other was shut off by me and my granddaughter played with it. The contract with XXXX expired In XXXX, XXXX so I contracted with XXXX XXXX XXXX for a new cell phone service. Ever since this I have been CONSTANTLY harassed by XXXX and various collection agencies and the amount has increased to over {$610.00} supposedly owed them from an original {$150.00} charge. I have all the appropriate paperwork to back this. Today ( XXXX/XXXX/XXXX ) I received a very nasty phone call from Diversified Adjustment Company by a man who called himself XXXX. He was very rude from the start demanding to know where I lived, what my previous address was. I demanded to know who he was and what he wanted. He finally admitted it was a collection agency and was collecting on a debt to XXXX XXXX. I told him that i will not pay any XXXX bill that it is not due for any reason after all this time. I told him that I had talked to my attorney and he demanded to call my attorney and I refused to give him the attorney 's name or phone number. The phone number he called from was XXXX. 
I am more than fed up with these collecting agencies calling me and I want the FTC to do something to protect my rights under the Federal Fair Debt Collection Act. I think that collection agencies such as Diversified Adjustments should not only be fined but put out of business. It is harassment to the first degree to be constantly contacting me by phone or mail. I told this XXXX NEVER to call me again. I would appreciate you filing a formal complaint on this as soon as possible.
Product: Credit reporting or other personal consumer reports

I have reached out to the ombudsman due to your negligence regarding account XXXXXXXX XXXX XXXX. Despite numerous dispute letters and formal complaints submitted to the CFPB, this issue remains unresolved. The attached documentation will show that this account has inconsistent late payments across the credit bureaus. For instance : One bureau report 90 days late, another reports 120 days late, and A third bureau shows no record of a late payment at all. According to the Fair Credit Reporting Act ( FCRA ), all furnished information must be accurate and consistent across all credit bureaus. This level of discrepancy directly violates these principles. The failure of XXXXXXXX XXXX and the credit reporting agencies to resolve this issue, despite the documentation provided, raises serious concerns about their compliance with the FCRA. In light of the XXXX XXXX XXXX XXXX decision by the XXXX XXXX XXXX XXXX, furnishers of credit information are legally required to conduct a proper investigation of disputes. Failure to do so could constitute a violation of the FCRA, which entitles me to seek damages under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance..
Product: Credit reporting or other personal consumer reports

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX, 2020 XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/202XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, 2020
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to XXXX due to Equifax is reporting that there is an account opened for XXXX XXXX XXXX. 
As a result, my credit score dropped XXXX points! 

My Equifax report shows Date of Last payment shows on my Credit report as : XX/XX/XXXX. 
This is not true! 
This account has been closed since XX/XX/XXXX. 
I returned this vehicle to the Dealership (XX/XX/XXXX) with the keys due to multiple issues with the vehicle. 
I purchased another vehicle ( with another Dealer ) the same day that I returned the XXXXXX/XX/XXXX Vehicle and keys to them. 
This account should be removed from my file due to its been over XXXX since the account was closed. 
Please remove this account from my Credit Report and add back my XXXX Points to my Credit Score.
Product: Debt collection

XXXX KEPT CALLING ME AND TRYING TO COLLECT MY FAMILY MEMBERS BILL WITH XXXX XXXX XXXX.
Product: Credit card or prepaid card

Payment was made on XX/XX/XXXX. 

When I called I was told there was a system error and no one knew how to post the payment. When I asked for more clarification I was told a supervisor would be contacted and I would be contacted by them soon with a resolution. It has been 4 business days with no updates. 

This is ridiculous and should not be the case.
Product: Debt collection

I am writing to formally request a copy of the purchase agreement associated with the account referenced below : Under the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any debt that is reported on my credit report. Specifically, I am requesting that you provide the original purchase agreement that substantiates the validity of this account. If you are unable to provide this documentation within 30 days of receiving this letter, I kindly ask that you cease and desist all collection activities related to this account. Furthermore, I request that you delete this item from my credit report in accordance with the FCRA, specifically 609 ( a ) ( 1 ) and 605 ( b ), which outline the rights of consumers to dispute inaccurate information and the requirement for creditors to provide validation of debts. Please send the requested documentation to my address listed above. If I do not receive a satisfactory response within the specified timeframe, I will have no choice but to escalate this matter to the appropriate regulatory authorities.