23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

In pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car pursuant to 15 usc 1681 ( a ) the banking system is depended upon fair and accurate reporting, furthermore you have infringed upon my right to privacy later stated within the congressional findings of the FCRA. 

I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting innacuate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payments, I demand deletion at once with these late payments reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from exercising my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a number of personal items and accounts that does not belong to me and that are incorrect. I originally sent a letter about this when i found out on XX/XX/2021. It has been well over 30 days and i have not been updated. There are no updates and the credit bureaus do not help or give any helpful information at all. I dont like that the credit bureaus get to ignore consumer laws, this is really unfair.
Product: Student loan

Dear Sallie Mae, I'm writing to you with a heavy XXXX, still reeling from the sudden loss of my beloved grandson, XXXX XXXX. Just XXXX months after we paid off his student loans in full, he was taken from us far too soon. As his co-signer, an arrangement between my grandson and myself was implemented as he was employed within his field of study. The plan was that he would assist in monthly re-pay installments if I agreed to re-finance my home mortgage to pay off his student loan debts in the amount of {$170000.00}, in XX/XX/2023. It was a sacrifice we made with love and hope for his future, but little did we know that fate had other plans. 

As we navigate this devastating loss, I'm not just asking for a refund of the loan amount, but for your compassion and understanding. XXXX 's passing has left our family in a state of grief and financial uncertainty. My husband and I are now XXXX and XXXX XXXX XXXX, respectively, and are struggling to make ends meet. The burden of recouping these losses would be crushing. 

I implore you to consider the extraordinary circumstances surrounding XXXX 's death and our situation as a family. We've already endured so much pain and sacrifice to ensure his education was paid off. Now, we're left with the weight of this unexpected loss and the financial strain that comes with it. 

I understand that Sallie Mae has guidelines in place for death discharges, I'm begging you to consider our story and the human impact of this tragedy. XXXX 's life was cut short, and his memory should be cherished, not weighed down by the financial burdens we're now facing. 

Please, I beg you, consider our request for a refund or any other possible alternatives that can alleviate our financial burden. I'm begging you, please consider our request with an XXXX XXXX and mind. We've already lost so much - we've lost our beloved grandson, we've lost our peace of mind - and now we're facing financial uncertainty. I'm asking you to show us compassion, empathy, and understanding. 


Thank you for taking the time to read our story. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a follow up on a complaint to Barclays Bank for deceptive lending practices amongst other things. In the response from XXXX. XXXX XXXX, he indicated Barclays does not perform credit line reviews during the balance transfer solicitation period which is indicated in the WRITTEN response occurred XX/XX/XXXX - XX/XX/XXXX. Fortunately, I have located additional balance transfer offers on my account PRIOR to Barclays soliciting me to use my credit line. Ive attached 2 samples as evidence to support the deceptive practices. 

I previously raised this issue in XXXX and Barclays corrected the issue by restoring my credit limit. 

To top it off, I have to wait for 3 minutes to talk to a representative from the Office of The President. The wait time solidifies Barclays servicing practices.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Upon review of my credit report with Experian, I noticed ( for the very first time ) that a fraudulent and unauthorized collection account is reported by a collection agency by the name XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX or No Phone number available ). This entry list an entity name XXXX XXXX XXXX XXXX ). I Did NOT avail any product and/or services of either of these companies. I never ever received any bills and/or services from any of these companies. I have disputed this matter with Experian already but this fraudulent and unauthorized collection account still remains in my credit report. I sent ( multiple times ) debt validation letter to XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ) but never received any reply from them. THIS IS NOT MY ACCOUNT. This account must be immediately removed from my credit report
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 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 a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Debt collection

This is in reference to XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX a Debt Collector who sent Payment Rewards Program offer for credit card but did not provide Debt Validation notice. Also no indication if this payment rewards program reset the clock on a charge off debt. 
On the back of the offer it indicates that the Program has a satisfaction guarantee. " If you begin the Program by making your first timely payments and subsequently decide that you do not want to continue the Program, you may end your participation and receive a full refund of all payments that you have made towards the Program Balance '' However under that same " Program Satisfaction Guarantee '' ( XXXX ) XXXX XXXX reserves the right to collect the Program Balance and you will responsible for making payments on the Program Balance. 
Would n't the consumer need notification that the payments start the clock over on charge off debt? 

On the from of the offer " Details on the XXXX credit card, including applicable rates, fees and terms for new purchases and cash advances, are available upon request and will be sent to you after you have successfully completed your payments. '' The consumer is required to fill out information on the bottom of the page, including what appears to be a waiver " I further agree that no such electronic communications will be deemed unsolicited. '' Is this not an offer without the consumer be informed of all the terms of the offer? 
XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



1. XXXX XXXX  XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Mortgage

My mortgage was sold to Loancare Servicing in XXXX, 2016. Every time I call them, I am on hold for at least 45 minutes before any rep takes my call. I had called to inquire about how I could stop my Property tax and homeowners insurance from coming out of my impound account. The representatives I have spoken to are rude, condescending, and have not helped me in any way. The only rep that gave me some direction told me me to email customer support and also told me that I could not be connected to the escrow department as they do not talk to customers on the phone. So, I emailed the customer service department requesting that my impound account no longer pay out the property taxes and homeowners insurance, and that I would pay it myself. I received a ticket number in an automated reply which stated that I would be hearing back from them within 10 business days. It has now been 17 business days and I have not heard from them. I called them again on XXXX XXXX and was told to wait 30 more days for a response by mail and that I was not allowed to talk to the escrow department. Then, this morning, I received an automated email from them stating that my property taxes had been dispersed to the county.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and am requesting the removal of certain accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were part of the data breach, and I believe they should be blocked and deleted from my credit file. 
The accounts affected by this breach are as follows : XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. BANKRUPTCY - XXXX - XX/XX/XXXX - {$0.00} XXXX. BANKRUPTCY - XXXX - XX/XX/XXXX - {$0.00} Additionally, the following inquiries are also associated with this breach and should be deleted : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Debt collection

This is a charge off account I do not know. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. 

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account Name : kikoff XXXXXXXXXXXX XXXX XXXX XXXX XXXX  This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. 

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 

XXXX XXXX
Product: Debt collection

XX/XX/year> - After discussing the debt in question with a company representative, I was threatened by the person on the phone that they would ruin my credit score if I didn't pay the debt. I told them to go ahead and do it, and to also give me a copy of it in writing because I know I have a year to pay a medical bill back. It hasn't even been 4 months since the date of service on the bill. Obviously this was a threat. 

XX/XX/year> - Talked with XXXX about the debt. No negotiable amount was agreed upon. 

XX/XX/year> - Talked with XXXX about the debt. No negotiable amount was agreed upon. 

XX/XX/year> - 1st phone call - I talked with XXXX on the phone and we agreed on a negotiated amount of {$1100.00}. She then told me that she couldn't give me in writing the negotiated amount prior to me paying the bill. She also told me that I had to pay the amount today electronically. She sited that she wasn't allowed to give it to me in writing due to " credit bartering ''. I told her I would call her back later today. 

XX/XX/year> - 2nd phone call - I talked with XXXX again. I asked what was the difference between " credit bartering '' in writing and what she was doing verbally over the phone? I didn't get a real answer. She then seemed to be more in tuned to work out payment by giving me a letter prior to payment. When she started to read the letter that she was going to deliver, I interrupted her and said that I was not going to pay electronically and wanted to mail a money order instead. She stated that I could not mail payment and it had to be electronically. I then hung up the phone.
Product: Credit reporting or other personal consumer reports

I RECEIVED A ALERT FROM MY CREDIT MONITORING SYSTEM THAT SOMEONE HAD APPLIED FOR LINES OF CREDIT. I DID NOT APPLY FOR ANYTHING NOR DO I HAVE ANY AFFILIATION WITH THE CREDITORS. I CONTACTED THE CREDIT REPORTING AGENCIES IN XX/XX/2024, NOTIFYING THEM OF THE FRAUDULENT INQUIRIES. I SPOKE WITH REPRESENTATIVES IN THE FRAUD DEPARTMENT THAT ASSURED ME THIS WOULD BE RESOLVED. I ALSO CONTACTED EACH CREDIT BUREAU VIA CERTIFIED MAIL. I OBTAINED A NEW COPY OF MY CREDIT REPORT AND NOTICED INQUIRIES THAT I HAVE NOT AUTHORIZED ARE STILL REPORTING. THESE INQUIRIES HAVE IMPACTED MY CREDIT. 

I HAVE NOT GIVEN MY PERMISSION OF ANY OF THIS INFORMATION TO BE REPORTED TO CONSUMER PROFILE WHICH IS IN VIOLATION OF 15 USC 1681. 

FURNISHING INFORMATION TO MY CREDIT REPORT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I HAVE NOT APPLIED FOR ANY LINES OF CREDIT WITH MENTIONED CREDITORS
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital System account # XXXX. 
I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that every thing is verified correctly. My credit report is still showing inaccuracies, as well the account constantly being deleted & reappearing on my credit reports month after month, my consumer rights has been violated over & over by this company disregarding laws 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 
15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Mortgage

In an effort to save my home I have requested a payoff request from the servicer, Specialized Loan Servicing, SLS, on 3 occasions. This request is done through their website through the customer portal. https : //sls.servicingloans.com/home/ Below are the XXXX dates where I have requested a payoff amount : XX/XX/2022 XX/XX/2022 XX/XX/2022 An today on XX/XX/2022 I have also requested for a payoff request. 

The reason for my payoff request is so that I can see if I can payoff my mortgage with my retirement account.

The SLS website tells you that that I should have my payoff quote e-mailed to me within 24 hours from the time I request the payoff quote. Each and every time I receive a message stating my request has been submitted and that a response will be sent to my e-mail address within 24 hours. To this date this has not occurred.

I am demanding that SLS sends me a payoff amount immediately.
Product: Debt collection

XX/XX/XXXX : I went to XXXX 's and a secretary incorrectly filled out my insurance paperwork, when I had VA healthcare that had already paid for the situation I was there for ( XXXX from a previous VA XXXX coming undone ). 
XX/XX/XXXX : I then recieved ONE letter from Wakefield & Associates 5 months later, informing me of a 5 % interest rate price increase? I submitted a dispute through their website, and YEARS have gone by. I thought it was safe to assume the issue was resolved, considering this group hadn't made contact ; apparently it wasn't. 
XX/XX/XXXX : I noticed a new & backdated negative impact on my credit scores, which I removed within 3 hours, by submitting all the viable documentation I hold. I'm being charged a hidden made-up, ridiculously high interest rate, by this group, on something that was already paid for, and forged in my name. 
I am recieving no notices of the charges or any price increases, if any. A simple formula can help show people what they currently owe, yet their website is showing only a stationary number? Blatantly false information is being portrayed on their end. Why is their call center not readily available 24/7? How much do I currently owe ( according to them ), why do they not have an email set up? 
XX/XX/XXXX : I made a payment for the principle amount listed on their website and one letter I've recieved from them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. Account # LISTED BELOW, has violated my rights.

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ACT S 611 ( 15 U.S.C S1681 15 U.S. Code 1666 - Correction of billing errors STATES CONSUMER CAN NOT REPORT LATE PAYMENTS AFTER PAID IN FULL 15 USC 1681i 15 USC 1681 S-2 15 USC 1681i ( 5 ) 1.1 CFPB Writeup : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Listed Below Is All The Negative Accounts 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
Product: Credit reporting or other personal consumer reports

I'm writing to dispute the fraudelent accounts on my Experian credit report, which I believe violate several provisions of the FAIR CREDIT REPORTING ACT ( FCRA ). 

These accounts were reported as charge offs : XXXX - {$4700.00} no response XXXX XXXX XXXX $ XXXX-no response XXXX XXXXe- $ XXXX no response XXXX XXXX $ XXXX response Furthermore as for Law 605B, these fraudelent accounts should be eliminated from my credit report. I request that these items be removed in 30 days of this letter as mandated by FCRA.