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

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  XXXX # XXXX, XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX " In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 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. ''
Product: Debt collection

In  XXXX   2016 , I made a debt settlement with a company called  XXXX . The original debt was just over {$1800.00}. The debt was settled for {$750.00} even. I had taken out a personal loan at my local credit union to pay for this debt. My credit union mailed out the check. I called  Barclaycard  a few weeks later to confirm they received the check. They did confirm the check was received and that my account has a balance of {$0.00} and is closed out. 3 months later, I receive mail from  XXXX   XXXX   XXXX  stating they are a debt collector and that I owe them just over {$1800.00}. I called to inquire about the debt, as I had my credit union completely pay off all my credit cards and should n't have anymore debt.  XXXX   XXXX   XXXX  stated they bought the debt from Barclaycard. After dozens of phone calls, neither company can help me. Barclaycard has hung up on me many times when asking how to handle this.  XXXX   XXXX   XXXX  does n't seem to have a single employee who can speak decent English, let alone understand what I 'm explaining to them or how to handle it.
Product: Debt collection

I owed XXXX almost 22, 000, on a private student loan. 
First they taped up a summons stating that I was getting sued on my neighbors door, not mine. My neighbors now know my business. 
I received notarized mail from someone with a fraudulent name. " XXXX XXXX '' attempting to collect money by this collection agency. 

Lastly, I spoke to a representative that worked out a repayment agreement of me putting down {$1200.00} and to making monthly payments of {$240.00} until XXXX, XXXX is paid off. 
They sent me triplicate contracts stating that I will pay the full amount of the loan ( XXXX ) with monthly payments of {$240.00}. This isn't what I discussed with them. When I questioned them as to why the contractual agreement sent to me didn't state the specifics of the repay agreement I made them on the phone. The collection worker just kept questioning me as to why I wouldn't sign the form and that they would get another department involved. 
I have called this persons supervisor three times over the last three days and she has yet to get back to me to answer my questions. 
I feel that the Foster & Garbus LLP made a verbal agreement on the phone and now are purposely sending me forms with whole amount to be paid with no mention of the amound we agreed I would pay.
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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX - eq XXXX INQUIRIES : XXXX XXXXXX/XX/year> XXXX XXXX I XX/XX/year>
Product: Credit reporting

I disputed a chapter XXXX dismissed bankruptcy with experian. The investigation came back as verified. I received a letter from the court explaining that they DO NOT report to credit bureaus and therefore must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I order my free annual Trans Union credit report on XX/XX/XXXX and was able to view it andO was suppose to view it for free for 30 days ... But I havent been able to view it without purchasing a report for XXXX. I asked about this and still havent been able to view it for free for 30 days. What do I need to do to be able to view it until XX/XX/XXXX Also, they were suppose to take off bad credit information from XXXX XXXX and they have not taken it off its still showing 13 past due payments for XXXX XXXX. 

They told me it was taken off and every time I look at my credit journey its still showing 13 past due payments for XXXX XXXX XXXX.
Product: Debt collection

Hello, I am writing out this complaint today because i was unfortunately the victim of identity theft and because of this unfortunate event in my life the criminal then used my information to receive goods and other products using my information that he stole from me. They then neglected their payments and let the accounts that they opened under my name without my consent, be submitted to collections. I did not catch onto to this event until 3 years later and have since been trying to get my life back together for me and my family. I then went ahead and submitted the appropriate paperwork to the local authorities and then submitted the documents to all parties that were reporting the accounts on my credit report. All parties that received the paperwork such as ; XXXX XXXX, and XXXX  acted promptly and removed the accounts that stemmed from this event. The only one that continues to harass me about this old debt is the collection agency known as XXXX XXXX XXXX XXXX. I also submitted the paperwork to them and they responded with a screenshot of the receipt that was signed from the company and a screenshot of someone else debt which they are trying to claim i am to person responsible. Please help me as they have clearly violated my consumer rights according to the 605B of the FCRA.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information/account. 
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. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed below. 
I demand that the following accounts be validated or DELETED from my TransUnion Credit report immediately : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under federal law, you have thirty ( 300 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Checking or savings account

Someone is using my information and has an bank of America account in my name and also doing fraudulent transactions
Product: Credit card or prepaid card

I was mailed a USBankReliacard Visa Debit card out of the blue. After researching it a bit I activated it thinking I was either going to get COVID stimulus payment or just setting it up before I retire ( next year ). 

I received a deposit two days ago ( XX/XX/20 ) of {$480.00}. I thought that was weird. After doing more research I found out that it is for Unemployment Insurance for the state of Ohio. I live and am still working in New Jersey and have never applied for benefits. 

I called USBankReliacard and they canceled the card. 

Now I am reporting this to you as I believe my information has been compromised.
Product: Credit reporting or other personal consumer reports

Subject : Reinsertion of account back on my credit report. 
I have submitted an dispute on XX/XX/XXXX to Experian regarding an account being reported on my credit file. I asked for verification of the debt according to the FCRA, FTC and the USC laws to send any documents pertaining to the below listed account. This account is not reporting accurate on my credit report. I have filed an Identity theft report along with a police report number sent via CFPC. I requested documents i.e., statements, application or anything with my signature verifying the accuracy of these accounts. This account have been deleted and reinserted back on my credit report. I have not received any documents after the 30 days dispute nor have I not been notified of it was going to be put back on my account 5 days prior or 5 days after which is a violation of the USC 611 laws. This has done great harm to my credit report and potential purchase of a new home i.e. mortgage loan loss. 
XXXX XX/XX/XXXX XXXX I am including the original documentation of the original disputes and an updated copy of my FTC complaint.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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

I need some help I disputed with Equifax a couple items that are inaccurate which are as follows XXXX XXXX XXXX XXXX medical debt for {$690.00} which is inaccurate I'm in the military and do not owe on any debt this is inaccurate and needs to be removed XXXX XXXX XXXXXXXX XXXX In XX/XX/XXXX and XX/XX/XXXX payments were on time, how was this information verified they can't pull up the data and verify nothing but account was paid off. Requesting these inaccurate remarks in the payment history be removed XXXX XXXX XXXX  XXXX XXXX is my current and active account and has always been paid on time I was not past 30 days late on XX/XX/XXXX and XX/XX/XXXX and if the information data is suppressed how can your agency verify this is accurate. Requesting removal of these two late payment remarks XXXX XXXX XXXX XXXX I do not agree my account was 90 days past due XX/XX/XXXX this is inaccurate information and needs to be removed I have attached a copy of your response so you can address
Product: Credit reporting, credit repair services, or other personal consumer reports

U S DEPT OF ED/GSL/ATL // ACCOUNT NUMBER : XXXX is not accurately reporting my information to credit bureaus. Balances : {$2000.00} // {$9400.00} // {$5700.00} // {$6100.00} // {$570.00} DPT ED/AIDV // ACCOUNT NUMBER : XXXX is still reporting inaccurate information to ( TRANSUNION ) Each Credit Bureau is inconsistent in how my information is being reported : On my XXXX report / file, the account is showing Closed and in Collections On my TRANSUION report / file, the account is showing Closed with NO PAYMENT HAVE BEEN REPORTED ON THIS ACCOUNT BALANCE UPDATES are inaccurate : XXXX is showing XX/XX/XXXX // TransUnion is showing XX/XX/XXXX Payment history is showing Collections, Unavailable Data, and multiple inconsistencies. 


Also the CARES ACT of 2020 states that ALL STUDENT LOANS accounts are suppose to cease reporting to credit bureaus any information that will affect the borrowers.

My Credit report and Credit Score has been seriously affected by the STUDENT LOAN negative reporting. And my consumer rights were violated for unfair, inaccurate credit reporting. 

I have disputed report with the Credit Bureaus, but their response and updates are still inconsistent with each other even though they claim that the information being reported is sent from the same source.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and dissatisfaction regarding the failure to correct late open account associated with my account, despite multiple attempts and escalating complaints. Despite my persistent efforts and cooperation, the issue remains unresolved, causing significant inconvenience and financial strain. 

The ongoing presence of late open account not only undermines my confidence in your organization 's ability to manage account efficiently but also reflects poorly on your commitment to addressing customer concerns promptly and effectively. 

Conduct a thorough investigation into the late open account and identify the root cause of the recurring issue. 
Immediately correct all late open account associated with my account and ensure that they are accurately reflected in the account statements. 
Provide a detailed explanation for the persistent delays in resolving the late open account and outline steps taken to prevent similar issues from occurring in the future. 
Implement measures to improve the efficiency and accuracy of account management processes to prevent the recurrence of such issues. 
I emphasize the urgency of resolving this matter expediently to restore my faith in your organization and alleviate the financial burden caused by the late open accounts. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance Owed : {$6600.00}.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report, and I found several errors. Any reporting of this matter to credit reporting agencies is a violation of my rights per 15 US Code 1681b ( a ) ( 2 ) and 15 US Code 1692e as I did not authorize you to report and reporting such negative information about me is a defamation of character. 

Please delete as these alleged hard, soft or promotional inquires we not authorized by myself, which means that these inquires ( again hard, soft, promotional ) or otherwise are fraudulent per 15 US Code 1681b ( c ) ( 1 ) ( a ) ( b ) ( i ) ( 3 ) under transitions not initiated by consumer, I ask that you please permanently delete these inquires listed. 

XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Likewise, these ALLEGED MEDICAL/COLLECTION ACCOUNTS delinquency and or the derogatory claim ( XXXX ) of information below listed is, as reported, erroneous account is direct violation of 15 USC 1681 Reporting Incorrectly. 

XXXX XXXX XXXX  - Account number : XXXX XXXX XXXXXXXX XXXX  - Account number : XXXX XXXXXXXX XXXX XXXX - Account number : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX  - Account number : XXXX XXXX XXXX XXXX  - Account number : XXXXXXXX XXXX XXXX XXXX  - Account number : XXXX Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. 

XXXX XXXX - Account number : XXXX XXXX XXXX XXXX XXXX - Account number : XXXX Also on my there are two ( 2 ) identical accounts numbers with different balances which is not right. Please delete this accounts. 
XXXX XXXX XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX
Product: Mortgage

I have a first mortgage with Ocwen Loan Servicing LLC . my payments are due on the XXXX of each month with a grace period without an additional fee on the XXXX. Due to my payroll schedule and other bills that re due before this payment I choose to make these payments on the XXXX and sometimes a few days sooner. I always use my online bill pay to make these payments and receive confirmation that the bills are paid from my lender. Sometimes, but not consistently, I receive notification via email that my payment was received by Ocwen. However, recently, as of about 4 months ago, I have been receiving letters in he mail from Ocwen looking for remittance on my payment. The letter offers me credit counseling services and at the bottom states : " this communication is from a debt collector attempting to collect a debt ; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and does not constitute an attempt to collect debt. '' I am not in default, in fact my payments are made each month without a late fee. Since I am allowed the grace period, I should not be harassed by these letters of collection. When I get these letters I worry that my electronic bill pay was not processed timely until I check my account. I would expect such a notice if my payments were currently in default or extremely past due, which they are not. These letter should be sent on a case by case basis, not as a general mass mailing and only for those that show as delinquent. I am aware that my payments are calculated based on the XXXX of the month and there may be additional interest added to the term of the loan. But I am given the right and the option of a payment made on or before the XXXX of the month without a late fee. Do you send these letters out to people that make their payments on the XXXX, XXXX, XXXX, XXXX ....? Technically anyone who falls within that grace period would be receiving these and that is not right. We are aware of the terms of our loans, trust me, if we incur a late fee it definitely makes us aware. I 'm sure you have customers in default to the point that they are in the foreclosure process. I do not qualify as part of this group. I would like the notices to stop.
Product: Debt collection

On XX/XX/XXXX I received a collection letter from a company that purchased the account with my name. I am disputing this debt from XXXX XXXX XXXX XXXX XXXX due to the following, 1 ) the collection agency and Advance America improperly obtained my address in another county " without my consent '', 2 ) decided to miscommunicate, by no communication in regards to resolving this debt sooner rather than now on XX/XX/XXXX, no notification prior to a collection agency purchasing the debt, as this is deemed a threat to report on my credit report prior to informing of the debt collector purchasing the debt from Advance America, 3 ) an invasion of privacy since I did not personally provide an address, telephone number, or email even though the XXXX XXXX, XXXX, the current creditor has my information to use against me without my consent, or prior knowledge. Furthermore, due to COVID-19, I have been out of work since XX/XX/XXXX. The statute of limitations may have expired and this may be the reason the creditor, XXXX XXXX, XXXX has purchased the so-called Advance America loan. Furthermore, I am disputing this mainly based upon COVID-19, as I am unemployed, deemed the current creditor as invalid, the contract is null and void due to a nature disaster, COVID-19 and that I have no obligation to pay due to circumstances that have affected my finances. This debt letter is improper to send due to a natural disaster that has caused unemployment, as well as a Florida Statute 787.01 ( 1 ) where I involuntary had to relocate, so I am adding XXXX County Case Number XXXX to eliminate any other illegal activity with the current creditor, XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

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. 

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

The Fair Credit Reporting Act ( FCRA ), outlined in 15 U.S.C. 1681, was enacted to ensure the accuracy, fairness, and privacy of information in consumer credit files. Loqbox has failed to fulfill its obligations under 15 U.S.C. 1681s-2 to ensure accurate reporting, as the information reflected in my credit report is inconsistent, incomplete, and misleading. Key inaccuracies include conflicting payment histories, improper reporting of NR statuses after the account was closed in XX/XX/year>2023, and the inclusion of late payments in violation of 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), which excludes information based solely on internal transactions or experiences. Additionally, the closed date, last activity, and reporting practices across all three credit bureaus are inconsistent, creating further confusion about the accounts status. These reporting errors violate the FCRA and have caused undue harm to my credit standing and financial wellbeing. 
And I filed an Identity theft report # XXXX Attached are the ftc report My credit report And the letter to you
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$7500.00}