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

Dear Sir/Madam : I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of XXXX XXXX of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please remove and block the following information from my credit report pursuant to XXXX XXXXXXXX of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXXXXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00} *** KINDLY DELETE AND BLOCK ALL NONACCOUNTHOLDINGINQUIRIES XXXX DID NOT AUTHORIZE THEM ***
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

because the list of accounts below are not accurate. The open date, date last active, High Credit, Last Reported, Date of Last Payment. 

XXXX XXXX they did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Product: Debt collection

I called to resolve a debt for my daughter that's a minor under XXXXyr old on XX/XX/18 which myself holds the insurance information & was told that I cant take care of it without her permission. amount is {$490.00} she should not be responsible for a debt that I have insurance for.
Product: Credit reporting or other personal consumer reports

OK, so in XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which XXXX at the time was not legal which it is now long story short I filed taxes and already completed. The identification process is to it being me that filed the taxes my name is XXXX XXXX and I need someone from the IRS to explain to me why its taking so long to get {$11000.00} in my refund. Is it have something to do with the fact that someone else claimed my child during XXXX  which they did not have verbal or legal written consent from me to do so also said persons would be the biological father, however, biological father never verbally communicated any desire to want to file taxes on behalf of the child And possibly 10 year review audit on my behalf for my TAX account as well as the biological childs fathers account if any more detailed information is needed I do have information for anyone in the iris department. They could explain why I am being held up over a year or so when the money is needed I am in an immediate situation where I need housing and transportation Otherwise well be left to create detrimental financial hardship upon self by taking too many steps backwards when I need to keep moving forward Therefore, if you could have someone in your department order an immediate resolution to this particular individual situation, all of my information can be located on file through the state of Arizona Department of Economic Security in which you will reference case number XXXX If any questions or needed to be answered on my behalf, I may be contacted via the XXXX XXXX number available XXXX at the earliest possible convenience as this is an immediate complaint with multiple relevant reasons regarding immediate resolution as to small business owner and Single head of household for tax year XXXX these implications are causing replications or repercussions that are beyond normal delay and should be looked at immediately as to financial hardship being released desired outcome for anyone individual in Arizona or otherwise permitted in the United States of America as to legal residence status, including myself Assistance are jammed up and theres no resolution through the provided phone numbers, as well as no resolution through Internet at the current time. Should this situation be resolved either by recipient or receipt of government issued check in the proper amount as deemed proper by the government entity assigned to run such tax Departments being irs.gov It is at this current time that I respectfully request due diligence and due process as to constitutional human rights for resolution of this complaint this complaint should be known to be time stamped for XX/XX/XXXX at approximately XXXX AZ time
Product: Mortgage

Please see if you can follow what has happened and why we are so upset with LoanCare LLC. 
Our payment should have been corrected in XXXX of 2019 by escrow department to {$2200.00}. XXXX but has not. 

With a actual needed mortgage payment of {$2200.00} and a requested mortgage payment they are showing in their website is {$2900.00}, they are inferring a {$7900.00} shortage. 

That is bizarre. 

XXXX and Loancare were expecting to pay insurance of {$15000.00} in XXXX of 2019 but the real insurance amount paid is {$7900.00}. We changed companies to get a better rate. New insurance came into effect XXXX XXXX and was paid XX/XX/2019. 

If they paid incorrect amount to prior insurance company, that would have been refunded to them and would be there to pay new insurance company. Actually, there should be an overage in escrow accounts. 
So there would be no shortage in escrow accounts. There is no shortage in escrow accounts absent theft or mismanagement. 



So looking at the escrow account amounts shown LoanCares website, they are now showing proper amount for taxes and insurance but you have not changed the payment to reflect that. 
If you add {$1000.00} x12 which equals {$12000.00} needed for mortgage payment to principal and interest. Add to that property taxes of $ XXXX+XXXX+ homeowners insurance of {$7900.00} you get a total annual outlay of {$27000.00} When you divide that amount by 12 you get the monthly mortgage payment needed of {$2200.00}.

{$2900.00} x12 = {$35000.00} That is {$7900.00} more than they need to pay for everything associated with our loan. That is a huge shortage they are asserting. 

After our XXXX letter to the escrow department we determined they were not going to change the payment amount so we started paying in {$2200.00} as the correct amounts of mortgage payment. 

Now the collection department is asserting missed payments. 
And is threatening late fees etc. 

Regards, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a sagebrush classic casual jacket ( small ) for {$79.00} ( plus tax & shipping ) via XXXX XXXX online. 

I returned it tracking # : XXXX. Delivery was confirmed on XX/XX/XXXX @ XXXX XXXX. to XXXX, KY, US. I have tried to confirm the credit which has not appeared on my account as of XX/XX/XXXX. Each time I made an inquiry online, I gave them a copy of the tracking receipt. A few days later I would receive a letter that I needed to be patient because it can take up to 90 days to resolve. Inquiries were made : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

I called again today, XX/XX/XXXX ( over 90 days ) and was told there is no credit for the return and they filed ANOTHER dispute and informed me it will be another 30 days to resolve the dispute. Irate, I asked for a supervisor and was transferred to XXXX. 

The charge was made through XXXX XXXX but they use Comenity Bank to manage their accounts. Today I've talked with numerous people & keep getting a run-around in a call that took over 1 hr 23 minutes. After wading through a call-director system, one rep sent me back through the system so i could 'talk with XXXX ' since they have all the information. However, I ended right back with Comenity because Comenity handles their credit card charges. 

This is absurd and there's no accountability. FINALLY, today after 1 hr 23 minute phone call, the STORE gave me a credit for {$85.00}. ( The call director system sends callers to Comenity re account issues. If Comenity can not assist customers, the automated system needs to send callers to the STORE that can issue credits. What a zoo. This experience has made me reluctant to EVER buy from XXXX XXXX again.
Product: Credit card

I take 0 % interest cash advances on my Bank of America credit card ( paying the one-time fees ). Usually I have more than XXXX borrowing tranche outstanding, each with its own expiration date for the 0 % interest rate. Some time ago the section of the monthly statement titled " Interest Charge Calculation started showing a zero in the column headed " Balance Subject to Interest Rate '' for each XXXX, making it impossible to verify the amount that will need to be paid off at the 0 % expiration rate without calling the bank. This information used to be furnished on the statement. I will attach a PDF of my statement so you can see that this information is in a table that logically could and should include the balances of each tranche. I pay attention and do the phone call, but I 'm concerned that this information should be there for others and I certainly would prefer not having to call the bank for information they should be furnishing on the statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that I could reach out to you all regarding my credit. I have reached out to the credit bureaus and my accounts regarding things on my credit that is not mine. It even had alot of student loans. When I saw that I knew something wasnt right because I had to drop out of high school because I had a baby. Can you please help me with these accounts that are not mine XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. Thank you and I also have contacted the FTC and the police. I'm also doing this on my own behalf.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXX on my credit report. The late payments in question were marked on the following account ( XXXX ) on the respective date ( XXXX ) : LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute.

Additionally, I am requesting that XXXX XXXX XXXX provide, in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date, as required under 15 USC 1666 ( b ). This should also include all information mandated by 15 USC 1637 ( b ).

Per the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to XXXX, XXXX, and TransUnion. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Credit reporting

There is an incorrect address on my Equifax credit report that does not and never has been my address.. XXXX , OK I looked this address up and online as a XXXX office.. Why would this happen?? 

Please remove for me, and inform me once completed. 
Thank you very much for your assistance!!
Product: Credit reporting, credit repair services, or other personal consumer reports

2 weeks ago NO action # XXXX I never got a response from you people. NOW once again these opprobrious incompetent XXXX at XXXX are still blundering away with some flim-flam scam of fraudulent new claims or new collections on what exactly?! # These XXXX XXXX charge and collect a fee then allow anyone to harass cheat enrage me with malignant unproven collections!!! This garbage is NOT new!!!! I just got informed from XXXX   part of OPM 's breach and free monitoringof my credit reports!!! WHY are these clowns at XXXX  blundering away with phony fraudulent claims of collections?! # I never received any mail from derelicts at XXXX XXXX XXXX? Collecting what and for who? All bad debt has already been charged off by everyone, can only be there 3 more years. Obviously this must be those corrupt and petty thieves at XXXX still trying to cheat and aggravate me!! I told you countless times XXXX never refunded or credited me my ( 3 ) lines and {$680.00} in advance payments they stolen??? Plus these XXXX cramming/deceit infamous lawsuit. They thought they couldget away with scamming me with that worthless XXXX tablet that I sent back within 14 days, continued to scam me with overcharges duplicate billing for trying there unpopular countless complaints about google tablet. I had to write california attorney general countless times before I got some phony and specious credit. NOW these XXXX  clowns state settled in my credit report and yet still continue with these XXXX scandalous collections
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 COLUMBIA DEBT RECOVERY LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Cease and Desist Communication Pursuant to FDCPA, Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ) Dear Sir/Madam, I am writing to you in regards to the communication I have received from your company, Columbia Debt Recovery LLC , doing business as XXXX regarding an alleged debt. This letter serves as a formal notice demanding that you immediately cease and desist all communication with me through ALL and ANY MEDIUM except for communication of remedies for XXXX XXXX, the natural person and consumer, via EMAIL ONLY, as outlined under the Fair Debt Collection Practices Act ( FDCPA ), specifically under Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ). 

Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. 

According to my rights as a consumer under the FDCPA and pursuant to Title 15 USC 1692c ( c ) ( 2 ), I am entitled to request the following remedies : XXXX out the balance of this account. 
Provide XXXX XXXX, a consumer and natural person, with documentation showing the account was zeroed out via email. 
Cease and desist reporting of the debt collection activity to all consumer reporting agencies before and after this date of XX/XX/2023. 
Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies. 

I expect full compliance with this request within fifteen ( XXXX ) days of the receipt of this letter. Failure to comply with this request will leave me no choice but to pursue all available legal remedies under the FDCPA and any other applicable laws to protect my rights. This may include filing a complaint with the appropriate regulatory agencies and seeking legal action against your company. 

Please be aware that any further communication from your company after receiving this letter will be considered a violation of the FDCPA and may be used as evidence in legal proceedings against Columbia Debt Recovery LLCXXXX XXXX XXXX 

Kindly confirm in writing that you have received this cease and desist letter and have taken the necessary actions to halt all communication in relation to the alleged debt. Please note that any further contact or attempt to collect on this debt without providing proper validation or proof will be considered a violation of the FDCPA. 

Thank you for your immediate attention to this matter. I trust that you will respect my rights as a consumer and comply with this request. I look forward to receiving your written confirmation. 

Sincerely, XXXX XXXX XXXX XXXX and Consumer
Product: Credit reporting or other personal consumer reports

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. Addresses. Only the address XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX, IL XXXX And the address XXXX XXXX XXXX XXXX XXXX, IL XXXX They must XXXX removed immediately In the birthdate/year of birth field YEAR OF BIRTH XXXX  this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report.
Product: Debt collection

I am writing in regard to an alleged late payment you reported to XXXX, XXXX, and XXXX on my account. The reported payment is identified as late, and I would like to address this matter based on the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 
Under 15 U.S. Code 1681a ( 2 ), the term consumer report does not include any report that contains solely information regarding transactions or experiences between the consumer and the person making the report. As such, my transactions and experiences with your company are excluded from the definition of a " consumer report '' and, therefore, should not be reported to any credit reporting agency.

You do not have the legal right to furnish this information as part of my credit report, as the law explicitly excludes this type of information from being included in consumer reports.

Furthermore, under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has followed reasonable procedures to ensure that the periodic statement, which includes the information required by 15 U.S. Code 1637 ( b ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

To justify reporting a late payment, you must prove the following : XXXX. 
Proof of Compliance with 15 U.S. Code 1637 ( b ) : You must provide evidence that the periodic statement, containing all required information, was mailed or delivered to me at least 21 days before the payment due date. 
XXXX. 
Detailed Documentation : 15 U.S. Code 1637 ( b ) outlines specific information that must be included in the periodic statement. I request that you send me all documentation showing that the statement met the requirements and was mailed or delivered within the specified time frame.

I am requesting this information in good faith under Rule 1002. You are required to provide me with the requested documentation within 10 days of receiving this notice. 
Please do not respond by claiming that you are reporting " accurate '' information, as I have not received the necessary proof of compliance with 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) and 15 U.S. Code 1666b & 1637 ( b ). Without proof of compliance, you have no basis for reporting the payment as late.

If you are unable to provide the necessary proof of mailing or delivery of the required information under 15 U.S. Code 1666b, you are not authorized to report this payment as late, which constitutes a violation of 15 U.S. Code 1681s-2.

You are required to either provide the requested documentation or delete the inaccurate late payment entry from my credit report within 10 calendar days from the receipt of this notice.

Late Payment ( s ) in Question : [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureau is illegally reporting inaccurate information in violation of the law 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; if the original debt XXXX XXXX account was indeed mine it would be illegal for you to report it unless you received written consent from me the consumer. Which you did not. 

the original debt XXXX  account XXXX listed as charged off {$920.00} on my consumer report meaning said company would have received a tax credit for the balance charged off and sent out a form indicating it would be counted towards my personal income. ie ( debt paid in full ) for this debt to then be sold to XXXX XXXX as a debt unpaid is both fraud and illegal XXXX XXXX lists the debt amount as {$1000.00} again reporting a debt that is not mine with inaccurate amounts is both fraud no consent again from me the consumer is identity theft!

15 U.S. Code 1681c A 4 states- ( a ) Information excluded from consumer reports ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. these are just the first 3-4 violations that have come up not including the invalid debt amount and the unverified information the bureau and collection agency have reported
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States that I have a 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.

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 any purpose.