23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account stating collection with account status of derogatory with date open on XX/XX/XXXX by XXXX XXXX and XX/XX/XXXX by XXXX  both are stating a balance of {$440.00} is reporting incorrect. I have tried contacting the bureaus and the creditor to get the situation straightened out and results to the investigation continue to come back and correct. Date last active has been reported by XXXX XXXX as XX/XX/XXXX with XXXX  while XXXX  reports as XX/XX/XXXX. XXXX XXXX is recording a comment on credit report saying account information disputed by consumer meets FCRA requirements. I strongly disagree as there is no possible way that account can be both on collection while derogatory at the same time and having date last active in accurate. There is no way that both bureaus can be right if information is coming from the same furniture data account is being re-aged pushing back the date it should fall off. 
Second account just different account number with one month difference on date open and slightly different balance reporting incorrectly. 

Account is stating collection with derogatory And date open nest XX/XX/XXXX by XXXX XXXX while XXXX report date open as XX/XX/XXXX both with a balance of {$360.00} is reporting incorrectly. Recording day less active as of XX/XX/XXXX to buy XXXX XXXX and XX/XX/XXXX by XXXX. XXXX XXXX is recording a comment saying account information disputed by consumer meets FCRA I strongly because theres no way that account can be collection interrogatory at the same time and recording an accurate date of last active and date account being open account is being reached pushing back the date it should fall off I do not recall having either of these two accounts especially being just a month apart and to be honest I believe this account is a duplicate Both accounts are reporting exactly the same information with the only difference of account balance and account number being different.
Product: Checking or savings account

I opened this account in late XX/XX/2020 with a promotion to receive {$400.00} bonus once I had {$4000.00} in direct deposits in the first 3 months. I completed this in XX/XX/2020. I was told I had to wait until 30 days after the transaction getting me to {$4000.00} was reached and the bonus would be deposited by then. Then I was told 120 days after account opening. It's late XXXX ( 120 days after opening ) and I haven't gotten anything. 

Additionally, my account can not transfer to another account. I have stopped in a local branch and called several times, they keep telling me I need to wait for something to be mailed to me like a PIN, but I haven't gotten that yet. My current pin lets me use the debit card but that's it. I'm not sure what that has to do with transferring money. I was able to transfer to a different checking account ( XXXX ), but not this other one ( XXXX XXXX ). I don't have time to call and wait on hold for long times any more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a legal name change. As per Experian, I should update my name with all of my creditors. When the creditors update payment information with Experian, my new name would also update. I did just that. Except, when the payment information was provided to Experian, it caused my report to split into two. I now have a credit file under my old name, and another under my new name. I contacted Experian and they opened a case to combine the two credit files into one. The first attempt, on XXXX/XXXX/2019, Experian had me upload my name change order from the courts and told me they would merge the credit files within ' 3 business days. That never happened. I called again on XXXX/XXXX/2019 and was told another ticket had to be opened. They saw the paperwork was submitted, but it was never handled. As of this morning, I found that they did not merge my credit files, but instead moved my accounts off of my old credit file and onto the new XXXXne. This is still leaving me with two credit profiles which is causing issues obtaining new credit, etc. I contacted Experian again today, XX/XX/2019 and was passed around for almost 45 minutes before they finally just hung up on me. I tried to login to my XXXX XXXX membership through Experian, and I see a blank profile ( my old name 's credit file ). I need to get these two credit files merged properly.
Product: Mortgage

I requested a PMI removal back in XXXX of XXXX and was told that my loan needed to be paid down to 80 % LTV to have the PMI removed. I paid down the mortgage to below 80 % and again requested a PMI removal. This time I was asked to pay for a BPO, which I did. I received a letter on XX/XX/202 stating that the home LTV was now at 73.96 % ( {$120000.00} ) and the home ( as it is an investment property and now needed to be paid to below 70 % LTV ) needed to be paid down below {$84000.00} in order to remove PMI. I sent in a check noting a Lump sum payment to be applied to " principal only '' as stated in the memo line, as instructed. The payment was erroneously applied to multiple future payments and I had to call the company to sort that out. I paid the loan down to {$84000.00} on XX/XX/2020 and requested a PMI removal the same day. I was sent an email that the request could take up to 30 days to process. Since then, I have called the company five times, speaking to 8 different representatives telling me that they are not sure why my PMI has not been removed and they will speak with a supervisor and get back to me. Not one of those people has gotten back to me, and me PMI has still not been removed. I am told their PMI/escrow department will not take calls from consumers, so I am left at the mercy of their customer service agents who clearly are not following up. I am unsure what to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix errors on my Experian credit report. I've sent them letter asking for help because the information they are showing is incorrect and obsolete. They send me letter saying that I need to contact the creditor which I did. The creditor never answer my letter and Experian keep saying that they verified the information as accurate. How could be possible when that information is wrong. The accounts of XXXX XXXX XXXX # XXXX and XXXX XXXX   # XXXX are showing late payments which is wrong I made all my payments on time. Also they are showing an acc of  XXXX XXXX XXXX # XXXX that I do not recognize and they refuse to send me proof of it.
Product: Debt collection

I received a XXXX dated or filed XX/XX/21 by Midland Funding LLC. Midland is suing me for an alleged debt and they are in violation because a debt collector can't say I owe any debt pursuant to 15 USC 1692b. I do not have a jurisdiction and I am a federally protected consumer and I abode. The amount of judgement listed is {$1800.00}. Crooks! I've never done business with Midland and don't have any contract so why do you have access to any of my personal and private information. You shouldn't have anything on file with your company in regards to me. My privacy has been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$830.00} There is no contract, no valid claims ... account was settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Debt collection

Threats against me of physical nature, threats of illegal service of false collection/court documents. Called my brother attempting to obtain personal information about me on X/XX/17.
Product: Prepaid card

My card was lost while on vacation and I tried to transfer my money to another account and cancel the lost card.I am unable to manage my money due to a computer gliche. When I called to rectify the situation, the phones cant recognize my information and disconnects or I am placed on hold for over two hours and the eventually the call is dropped without speaking to an agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$9900.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureau and to no avail nothing was done. There are several inquiries that I did not authorize nor sign any type of application for any loan, car loan and etc. Please see the below : XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I would like to write a follow up complaint regarding the investigative results I recently received from Equifax regarding an illegal item which appears in the section marker PUBLIC RECORDS on my credit report. 
My lender has just refused me a mortgage refinance re-structuring on the grounds that this item is present on my credit file with Equifax ( only ) making me a " high risk '' consumer. 
I have literally lost the ability to save nearly 2 % on my mortgage loan because of this falsely reported item which Equifax refuses to remove from my file. -Case # XXXX was incorrectly placed against me before I had counter sued and won the plaintiffs in XXXX XXXX superior court. 
This case is not supposed to be updated to show " satisfied/released '' because it was never paid or ever owed and the Judge ruled the case in my favor throwing out this judgment against me pending my counter suit, which settled in 2012. There are currently NOT supposed to be any public records items on file under my name or social security number and Equifax is in violation of FCRA law by reporting this misinformation in my records. I have no such items listed under any other credit reporting bureau and this is a mistake on Equifax 's behalf. I demand that it be removed immediately, I am currently in the process of shopping for my mortgage to be restructured so that my family does not lose our home and they are severely hindering my ability to acquire any and all rates being offered to me through my bank. 

I strongly disagree with Equifax 's decision and reinvestigation methods. I received no new information, no proof of this item and no release/satisfied notices. Where did they come to this concision? How? Let us see the proof? now! 
Equifax HAD NO RIGHT TO UPDATE or CHANGE THIS TO ITEM REFLECT EVEN MORE INACCURACIES! This item was never paid, never released because it was EXPUNGED and thrown out of court pending a counter suit with the original creditor. I do not and have never owed this amount NOR is your system up to date if you were able to see this old item. The XXXX XXXX superior court has issued me an expunging of this case and I was free and removed from this lawsuit. It MUST be removed from my records immediately!
Product: Debt collection

I am writing to dispute the validity of the collection account listed on my credit report. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally requesting an investigation into this account and the deletion of the derogatory information from my credit report.

Please find the details of the disputed account below : XXXX  Account Number : XXXX High Balance : {$4900.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Payment after charge off/collection ; Dispute resolved; customer disagrees Original Creditor : -- Based on the information provided, I dispute the accuracy of the reported account status, as it incorrectly reflects a collection/chargeoff status. The account was paid and closed, as evidenced by the {$0.00} balance owed and the " Paid '' account rating. Therefore, I request that this inaccurate and derogatory information be removed from my credit report.

Additionally, as per the FCRA, I request that you conduct a thorough investigation into this account and provide me with any documentation supporting the validity of the reported information. If you are unable to provide sufficient evidence to verify the accuracy of this account, I demand that it be promptly deleted from my credit report. 

I expect a prompt response to this dispute within XXXX  days from the date of this letter, as required by law. Failure to comply with this request will result in further action being taken to ensure the accuracy of my credit report.
Product: Debt collection

In XX/XX/XXXX, original notice of debt owed was sent to me by the company, Radius Global Solutions LLC, claiming they were pursuing collecting debt on an account original owed to XXXX XXXXXXXX XXXX 

I sent a request on XX/XX/XXXX for validation of the debt owed to Radius Global Solutions LLC. I made clear it was not a refusal to pay, but a request for validation that I owe the debt TO RADIUS GLOBAL SOLUTIONS, LLC. 

I received a record of application from XXXX XXXXXXXX XXXX  dated XX/XX/XXXX. 

I did not/have not received validation that the debt is owed to Radius Global Solutions LLC and have now received communication from XXXX XXXX Bank after being told they no longer hold my account. 

This is dishonest and, most likely, purposefully confusing to consumers trying to reconcile their debts in good faith. 

I can not and will not pay on a debt that is not proven to be owed by a company claiming it is theirs.
Product: Credit reporting or other personal consumer reports

To : XXXX, XXXX, and TransUnion Subject : Formal Request for Deletion of Unverifiable Accounts Based on XXXX Deletion To Whom It May Concern, I am writing to formally request the deletion of two unverifiable accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( B ). The accounts in question are : Ally Financial - Charge-off for {$13000.00} XXXX XXXX  XXXX XXXX for {$39000.00} On XXXX XXXX, I disputed these accounts on my XXXX credit report. XXXX completed their investigation, and as of XX/XX/year>, both accounts were deleted from my report. Given this deletion, I am requesting that XXXX, XXXX, and TransUnion also remove these unverifiable debts from my credit file. 

Relevant Consumer Protections Under the FCRA : Section 611 ( a ) ( 1 ) ( A ) : Credit reporting agencies are obligated to investigate disputed information and delete or correct any unverifiable account within 30 days of the dispute.

Section 623 ( a ) ( 1 ) ( B ) : Furnishers of credit information must not continue to report inaccurate or unverifiable information. 

Since XXXX has removed these accounts, it is evident that they could not be verified. This establishes a precedent that the accounts are not valid and must be removed from my credit reports with all other credit reporting agencies.

Legal Consequences for Noncompliance : If the investigation by XXXX, XXXX, and TransUnion fails to result in the deletion of these unverifiable accounts within 30 days, I reserve my rights under Sections 616 and 617 of the FCRA to pursue legal action against your agency for willful or negligent noncompliance. Noncompliance may result in statutory damages, court costs, and attorney fees. 

Furthermore, continuing to report unverifiable or inaccurate information after notice of its deletion by XXXX may also violate Section 623 ( b ) ( 1 ) ( C ), which requires furnishers to cease reporting inaccurate information.

Request for Confirmation : I request written confirmation of the results of your investigation and a revised copy of my credit reports reflecting the deletion of these accounts within 30 days of the date of this letter. Please send all correspondence to the address provided above or via email at XXXX. 

If you fail to resolve this matter promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and will not hesitate to pursue all available legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 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 agecy can not fumish a account without my written instructions XXXX. XXXX XXXX Account number : XXXX Amount {$1800.00} XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off loan on XX/XX/XXXX in amount of XXXX was told 110 days to get off credit report, account still shows up on report at XXXX with an update report of XX/XX/XXXX. When called to see why it has n't reported clear yet they give run around as if my problem and not theirs nothing but excuses and hung up on several times
Product: Bank account or service

Back in 2013 I was given a USPS money order from an individual and it turned out to be a fake money order. Not knowing that I deposited the money order in my account and it was returned due to it being a fake. I reported the incident to the Postal Service and they told me they would look in it. Meanwhile Bank Of America which was my Bank at the time quickly closed my account and reported my name to XXXX without ever contacting me or anything. This is all for {$11.00} which was paid back in XXXX of XXXX. It clearly shows account paid in full on my XXXX profile and yet Bank Of America refuses to remove the information and I can not open any account at any Bank with this information on my profile. This is totally unfair. I was a victim of fraud and non of this was my fault. B Of A never bothered to help me in this case and they blamed me for it and closed all doors on me. I just want my name removed from XXXX.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 Here I attach , along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXX 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 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 in those accounts 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 Never Sent the periodic statement along with the disclosures from section XXXX ( 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