23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 letters about removing negative accounts from my credit report. It has been 45 days sense first letter was sent out certified mail demanding Reinvestigation of negative accounts. I still have not received a response by law these accounts must be removed immediately. It has affected my ability to obtain credit at this time. And this has caused me financial hardship
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XX/XX/2019, i filed a complaint against PENN CREDIT CORPORATION due to inaccurate information they're reporting to the Credit Bureaus. I requested full verification and proof of ownership of the account with documentations showing my signature agreeing to do business with them or the XXXX XXXX XXXX, based on the four page documentations they sent i now believe they are trying to collect money unfairly from the wrong person. i see no signature, no billing statements that breaks down how i owe the money. Yes it is true i did live at the address they mentioned in the past which is XXXX XXXX XXXX but they got the wrong apartment my wife and i lived in apartment 2 floor rear and not 2 floor front as they claims in the documentation provided, the smallest unit in the house is where we lived. one more thing they don't know is our living condition at the time, four tenants shared a large house that the owner separated into four different apartments. One incident i remembered is when i first moved in my unit, the previous tenant didn't pay their gas bill and XXXX put that responsibility on me, i disputed that bill and it was rectify now i think they are playing the same tricks to unlawfully make me pay for a service i never utilized. Below are all four sheets of documents i received from them, but still not proof of my ownership of the account.
Product: Debt collection

Dear XXXX, My husband and I are being constantly harassed by a collection agency for a debt that has expire under the " statue of limitation. '' We have sent them letters for the last three years telling them to stop sending us these letters collecting debt that we do n't owe anymore! 
Can you please handle this very annoying matter for us. Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the removal of any and all " late payment '' entries or XXXX delinquencies on my XXXX XXXX account from my consumer report. 

Per " 15 U.S. Code 1666b - Timing of payments '' : ( 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. 

I direct the removal of this late payment, as I am the one extending credit. Additionally, the required information was NOT received to the consumer " not later than 21 days before the payment due date. '' I demand its removal immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a credit card with XXXX XXXX prior to the pandemic shutdown. In XXXX of XXXX I was rushed into XXXX XXXX and spent the rest of the year healing combined with the fact I lost my job like millions of others due to the pandemic. I was behind on payments until XX/XX/XXXX when I paid off the balance completely via the mobile app I used to have for XXXX XXXXXXXX. It's now XXXX and the balance is still being reported as unpaid on my credit report and it has apparently been given over to collections illegally due to the balance already having been paid. This is severely affecting my ability to get other credit, cars or housing. I understand that this may be a system oversight so I am asking that XXXX XXXX update the balance to reflect as paid since XX/XX/XXXX. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 3. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
16. Identity Theft XXXX Date opened XXXX XXXX, XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

1- Well Fargo broke a modification contract I had and removed me from the agreement ; this happened in XXXX. XXXX They lied to the federal court and the XXXX XXXX XXXX XXXX using an altered property title that was not registered with the lender. I have a letter they sent us stating they did not have the original title. 3- They deceived the property insurance company by lying that the house was empty. 4- Through threats and blackmail, they sent the full payment for the house and charged us a high percentage of 9.3 % on the mortgage. 5- They used employees to do robo signings to take us to foreclosure. This bank did many injustices by lying to the court without being owners of the mortgage loan. I also have information from XXXX people who suffered the same situation as us. Well Fargo needs to stop taking all actions against its citizens, so I'm asking for your help. I want to bring all the documents I have so you can verify that what I'm saying is true. My husband died, and now I no longer trust them because of everything we went through in XXXX and XXXX. I also have information about the assistance provided by former President Obama, where he was helping homeowners make modifications, and the federal government would pay the rest of the money. They broke that agreement with us, and now I want to share this information with you. I'm requesting an appointment at your office so I can give you all the documentation I have. Please, I ask for your help. I'm a XXXX  and I'm very stressed about this situation.
Product: Debt collection

I received numerous call and email for this company threatening to take action for a debt I don't own them
Product: Bank account or service

I received a check for {$2700.00} for work that I had done online for XXXX XXXX. I deposited the check on Friday XXXX and some of the funds were available immediately. The remaining funds were to be made available today. The remaining money was placed in to my account this afternoon and then removed because a stop payment had been placed on the check. The money was already in my account and the check should not have been available for stop payment. I would like my funds returned to my account immediately. I am really upset with these financial institutions dealing with my money any way that they want to. I need help and protection. This is the XXXX time I have had an issue with a bank this year and have had to escalate it to this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX 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 an account without my written instructions. Late payment XX/XX/XXXX and late XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my IDR repayment through XXXX was recalculated and it stated that my new monthly payment would be {$240.00} and the first payment would be due on XX/XX/2019. I made the correct payment on XX/XX/2019 and the noticed that my credit score significantly dropped ( 77 points ).  This was the explanation provided on XXXX XXXX 's website : " Balance increased by {$660.00}. It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Between XX/XX/2019 and XX/XX/2019, your XXXX XXXX student loan account balance increased by {$660.00} from {$260000.00} to {$260000.00}. '' When I called XXXX they stated that the reason my score dropped was because of unpaid interest. So far as I know, it is common practice for student loan amounts to go up even when making regular payments because of interest. However, I am not aware of any other person who has been negatively impacted by interest on their credit reports when making timely payments. The only solution they offered was for me to make an extra {$1300.00} payment every month or have my credit score continually drop. 

I am on the Revised Pay as you Earn Plan as well as the Public Service Loan Forgiveness program since I work for state government. I do not understand how this is not predatory lending. XXXX  determined the amount I could afford each month and that is how much I pay. I should not be penalized for  making timely payments that they established.
Product: Credit reporting

I paid my account down in a large lump sum to decrease my utilization under XXXX %. Every time i make a payment the company reduces my credit card by the amount that i pay down. Its reflecting on my credit report as if i am maxing out my credit limit but i am not. I am paying it down and synchrony bank keeps reducing to show that i am almost maxed out., and they continue to do this without my knowledge. They do this overtime. I have been a costumer for over 5 years now with all my credit cards and have never been late on payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted both Equifax and XXXX in XX/XX/2018 to explain that Im a victim of identity theft. They continue to report this fraudulent information on my credit file despite my numerous attempts to have this issue resolved. On XX/XX/2018 i received a letter from XXXX stating that these fraudulent accounts are mine. Again, they are not mine they are fraudulent. I have not opened these accounts and i didnt authorize the opening of these accounts. I would like both Equifax and XXXX to provide proof which supports their claim that these accounts are mine.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH 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 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 in XXXX 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 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: Debt collection

i recieve letter dated XXXX XXXX I reply disputed the debt. Never recieved reply back but XXXX month later debt was listed on my credit report. This unfair practices. I disputes the charge only find out the debt was paid XXXX month before it went to collect but the XXXX say it still valid
Product: Debt collection

I noticed collection account of just barely under {$1500.00} on credit report when trying to purchase or rent a home the XXXX of XX/XX/XXXX. I drafted a formal dispute letter to Eastern Account Systems Inc, - Office of Formal Disputes on XXXX XX/XX/XXXX. I mailed this standard on XXXX XX/XX/XXXX. I was informed that I shouldve sent it by certified mail by my attorney. I resent the same letter on XXXX XX/XX/XXXX by XXXX Mail. ( XXXX XXXX XXXX XXXX XXXX ) I informed them of the 30 day requirement for proper validation of debt. I received NO RESPONSE. I sent a second letter by certified mail to Eastern Account Systems Inc, on XXXX XX/XX/XXXX and informed them of the 15 day requirement to send written confirmation of account removal and deletion from my credit report. ( XXXX XXXX XXXX XXXX XXXX ) I received NO RESPONSE. 
After being unable to resolve my dispute with Eastern Account Systems Inc, I filed disputes with XXXX. As of XXXX XX/XX/XXXX XXXX closed my dispute by updating the collection report to say XXXX has verified the debt. I called at XXXX XXXX on XXXX XX/XX/XXXX to formally request verification of debt collection accuracy such as specific documentation that was used to confirm debt belongs to me, who XXXX contacted to verify accuracy of debt, and date and method used to conduct the verification process. The customer service representative refused to comply with Fair Credit Reporting Act 611 ( a ) ( 7 ) - XXXX representative referred me to contact Eastern Account Systems Inc, I reiterated that they have not responded to my communication attempts and thus this advice was insufficient, I requested a supervisor. I waited on hold for XXXX and she returned to tell me that no supervisor was able to take my call. I advised Under the Fair Credit Reporting Act ( FCRA 611 ), XXXX is required to verify disputed information. If XXXX can not provide me with the method of verification, the account must be deleted. Directing me to the creditor is not sufficient. I am requesting the immediate removal of this account AND if a supervisor does not take my call before closing time today and the ending of this call XXXX will be in violation of FCRA as well And Since Eastern Account Systems has failed to respond to my written requests for validation, and XXXX has not provided me with any supporting evidence of verification, I am formally requesting the immediate deletion of this account from my credit file. The customer service representative refused. I then requested written documentation of our call transcripts and audio file recordings. The customer service representative refused and said she could not do that and there were no supervisors available that all had left for the day as they close at XXXX XXXX. The customer service representative ended the call and I stayed on the phone baffled and left a survey report expressing my issues were not resolved. I will be sending yet another formal letter via certified mail to XXXX this time notifying them of the 15 day window to provide confirmation of account deletion from my credit report, per FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had trouble with address reporting and cant seem to get Equifax to update my address.This is the third major address issue I have had with addresses. I contacted Equifax several times by mail and phone!! Unless this is a fake report- I have not been able to get an accurate report!! Also my address I put in letter was not updated! Instead the old address is listed as current. People rarely move into the same unit and exact apartment they lived in a year ago ... I gave my physical address and my mailing address as my XXXX XXXX XXXX Just about all of the report dates are inaccurate meaning I wasnt at those addresses those years!!! Actually my new address is not even listed?? How did this happen?? Also over phone they told me XXXX had me at loans close to XXXX. I told them to dispute it!!! It says dept of Ed loans sold on report also something is not right ...
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must block these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to remove these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$300.00} XXXX XXXX XXXXXXXX Balance Owed : {$530.00} XXXXXXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$360.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXEQUIFA 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

VALIDATION AND CEASE AND DESIST Collection agency name 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 I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 


Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.