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

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per CDIA! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite XXXX day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within XXXX ( XXXX ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( XXXX ). 

Listed below are the Accounts that are being challenged : XXXX Original Creditor : XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  Original Creditor : 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

Equifax mishandled my information and allowed my sensitive personal details to be stolen by hackers. I am listed as a potential victim according to their equifaxsecurity2017.com website
Product: Credit reporting or other personal consumer reports

I am submitting reinvention into XXXX XXXX the company is misreporting inaccuracies on on a closed account from XXXX  and showing repeated C/o inconsitance balance reporting unlawful change in Deliquency dates tgat is causing reacing of debts due to status of limitation..15u.s.c1681i under FCRA It's a violation of my rights and cause me to have ability to obtain credit
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/year> Equafax Re : Dispute of Inaccurate Collection Account on Credit Report Dear Sir/Madam , I am writing to dispute an account reported on my credit report, which I believe is inaccurate. The account listed under XXXX XXXX XXXX XXXX does not belong to me. According to the Fair Debt Collection Practices Act ( FDCPA ), I am not the individual responsible for this debt, and I request that you investigate and correct this error. 
Under 15 U.S.C. 1692e, it is prohibited to falsely represent the identity of the debtor. This collection account is the result of an inaccurate identification, and I request that this account be removed immediately from my credit report. 
Additionally, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that inaccurate information be corrected or removed. I request that you conduct a thorough investigation and confirm the information 's accuracy within the 30-day statutory period.

Please provide me with written confirmation of the investigation results and actions taken. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code S 1666b - Timing of payment Creditor can not treat a payment account under and open end consumer credit plan as late for any reason unless creditor has adopted reasonable procedures to ensure that each periodic statement includes information required by section 1637 ( b ) of this title is mailed or delivered to the consumer no less than 21 days before the payment due date Creditor never sent the required notices or the required information. When I submitted complains about the duplicate accounts as well as the notices, they were unable to furnish proof that they sent the notices, however, the reporting agency did not remove the late payments from the account despite the fact that the payments are duplicates due to Covid and the creditor did not furnish the requested information.
Product: Mortgage

I have a 30 year fixed rate mortgage serviced by Loancare, XXXX  XXXX, XXXX. I live in XXXX  and I am trying to get a XXXX XXXX XXXX. The lender I am working with stated that our deed shows Loancare as servicing a XXXX XXXX XXXX instead of a 30 year fixed mortgage. I have called Loancare three times to get this corrected and I received a different answer every time, although they have admitted their error. I am unable to get them to document this information back to me in writing. If this is not corrected soon, I will loose a favorable loan interest rate on my XXXX XXXX XXXX. This is the only outstanding issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX & I have been trying to resolve confirmation XXXX since XX/XX/XXXX. XXXX XXXX XXXX electronically submitted notification to remove the 9 collection accounts from my report. XX/XX/XXXX I called Equifax and was told this had not been done, Also that when XXXX XXXX XXXX submits notification for removal these accounts will be removed real time ( IMMEDIATELY ). On XX/XX/XXXX XXXX XXXX XXXX called the Equifax Business Customer Service line and verified that Equifax has received the notification to remove the 9 collection accounts. Equifax advised XXXX XXXX XXXX that there was a 10th collection included for XXXX that was keeping the dispute from updating because XXXX had not responded. XX/XX/XXXX I called Equifax and said I added XXXX  to the dispute incorrectly and needed XXXX removed from the dispute. I was told this would be done in 72 hours, dispute XXXX would be completed and the XXXX XXXX XXXX Accounts would not be on my credit report any more. 72 hours later XX/XX/XXXX, I called and was told this had not been done. The new agent said he removed the dispute for XXXX XXXX and that would take 48 hours to update, once it updated dispute XXXX would process as complete. XXXX was completed, XXXX has still not completed. XX/XX/XXXX I spoke with Supervisor XXXX, told her the story was advised that new dispute for the collections was placed on XX/XX/XXXX # XXXX and that was holding up dispute XXXX from completing. She cancelled dispute XXXX and said within 24 hours ( which is now ) dispute XXXX will be cancelled and dispute XXXX will be updated. It has not, I need this resolved ASAP. This is keeping me from applying from a home loan but all the information Equifax needs to remove the accounts was submitted by XXXX XXXX XXXX on XX/XX/XXXX but not received " real time '' until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a home mortgage loan with Wells Fargo. In 2014 the loan was modified and I had to go through a trial modification. I paid all the payments in the trial period on time. The payments were no late as it shows on the report. If they were late, my loan would not have been permanently modified. However the credit bureau reports show the payments during that trial period were late and it's hurt my credit rating. I've sent letters to Wells Fargo and to the three credit bureaus to correct this and nothing has changed. I should have good credit but it's not showing up since Wells Fargo has not changed status from late to paid on time.
Product: Money transfer, virtual currency, or money service

I filed a complaint on XX/XX/2021 ID:XXXX-XXXX  and it got closed but so far it did not got resolved they haven't refunded my money from the wire transfer so can you reopen this ticket until it gets resolve
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX account # XXXX Date opened was XX/XX/2017 and the first reported was XX/XX/2017 with a 6 month terms and that with was convert to close status of XXXX that was written off or purchased by another lender by the name XXXX XXXX and account # XXXX I HAVE SEND ALL THREE CREDIT BUREAU PROOF OF IDENTITY THEFT, POLICE REPORT AND MY JAIL RELEASE DATE PAPER. I HAVE BEEN XXXX FOR LAST 15 YEAR AND WAS RELEASE XXXX XXXX.
Product: Student loan

XX/XX/XXXX my balance at Discover Student Loans was roughly $ XXXX. Since then I have paid about $ XXXX in total payments ; $ XXXX towards interest and $ XXXX to principal. XX/XX/XXXX my pay off balance is roughly $ XXXX, not sure how $ XXXX of payments resulted in only $ XXXX reduction of the total balance. I have taken every action to help me lower all expenses and maximize my income, but still struggle to pay the min. monthly payment of {$850.00}. Other loan servicers like XXXX XXXX and XXXX have helped me lower my interest to help me with my overall balance. XXXX XXXX provided rate reduction programs which brought my interest from 11 % to 3-4 %, but Discover claims they are legally obligated to not change the terms on my loans? As an XXXX-XXXX yr old I was told after 24 payments I could have my co-signer released from my loans, but now Discover is claiming after 24 months I can " apply '' to have my co-signer released. I continued to do my best to not default on these loans, because I was hoping I could have my co-signer released from this loan so that when I went to a 3rd party for consolidation we would get approved. In efforts to not default I have had to put a lot of expenses on credit cards. Doing this has caused my credit score to drop because of high utilization rates ; this hinders me from being approved for loan consolidations. I have applied for consolidation through various different banks and credit unions ( before high revolving credit issue ) but was turned down because " loan amount is too close to principal amount. '' How I am supposed to go to a 3rd party, as Discover is so willing to suggest, if I wo n't get approved? My co-signer makes about $ XXXX a yr and with this original Discover Student Loans balance on their credit it is unlikely we get approved for another $ XXXX loan. I need help in understanding how Discover is allocating my payments? At this rate I do not feel as if my loans will be paid off in the term. I would like Discover to help me reduce interest rates for a short time to help me lower principal so I can qualify for a 3rd party loan consolidation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my consumer report, noticed Amerifinancial Solutions listed with an alleged debt. I contacted XXXX to have this account removed, as this is alleged identity theft, and per the FCRA this should be removed within 4 days. 

I also contacted AFS via phone, I attempted to provide them the information that THEY WERE REPORTING to my credit report, and before I could, the agent " XXXX '' was rude, she stated that the account was indeed NOT my account, but someone else 's. She also provided that they received the XXXX complaint and FTC report with the supporting documentation. I requested a cease and desist, to provide the documents ( medical ) that were used to verify & validate the account, and I also demanded to have the accounts blocked from reporting this fraudulent information to my consumer report. 

XXXX provided account information without VERIFYING my identity or confirming that I was the correct party on THEIR account. XXXX CONFIRMED on the RECORDED LINE that I was not the OWNER of this account. 

Address listed on credit report also does not match so how is it possible to remotely " verify '' this account when my name and address isn't valid?
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian to delete an old collection account because it was past the statute of limitations and the debt collector could not longer collect on it. They conferred with the debt collection company it was a true account, however, they did not delete it from my report despite the collection ( medical ) being a HIPPA violation.
Product: Mortgage

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 card or prepaid card

I am trying to close my debit card account and Bank of America will not close it. 
I received a letter from BofA dated XX/XX/2022 stating the agreement terms and fees had changed. It says " if the Agreement and the Fee Disclosure are not acceptable to you, you must call or write us within 21 days after the date of this letter and request that you close the account. '' I called BofA on XX/XX/XXXX to close the account and was told they would not close the account. I asked to a speak to a supervisor and they also told me they would not close the account. I read the letter to them to confirmed it was a valid legal letter from BofA and they confirmed it was. They said they could add my name to a list to send to another manager to see if anything could be done, but not to expect anything until after the holidays. 
This feels like fraud to not let someone close an account and force them to new terms after sending a letter saying they can close the account. 
Additional info : This debit card account is associated with the XXXX XXXXXXXX and was originally opened over 10 years ago when I was had unemployment benefits. There has been a XXXX balance for years and I do not use card at all. XXXX says I need to contact the bank, and BofA says I need to contact XXXX.
Product: Debt collection

Phoenix Financial Services is trying to collect on a medical bill that was already written off through FREE CARE from the XXXX  Physicians office. They failed to remove this collection from my credit report even though they have in their possession the letter provided from the actual provider 's office and the office stated they have informed Pheonix finanacial services that they have updated their records to reflect that nothing is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report. In doing so I notice an account that I did not authorize this account to be on my credit report. I have attached a copy of my FTC report. Along with two proof of Identification. I am a highly intelligent XXXX XXXX Female. Please do not insult my intelligence by saying I am using a credit repair services. I know my rights and I know the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$520.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX A XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$2500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Having issues with the depart of education and all three credit reporting bureaus still showing my school loans not being paid and are in default and not being paid. Been making payments part of my rehabilitation since XX/XX/2019. Then also with the help of the cares act it shouldnt even been reporting at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE REACHED OUT TO ALL REPORTING COMPANIES ASKING FOR A SIGNED CONTRACT, AND I HAVE NOT EVER RECEIVED ONE. WE I CONTACT THESE COMPANIES ON THE PHONE AND IN WRITING WITH MY REQUEST THEY NEVER RESPOND WITH A SIGNED CONTRACT. THERE IS NO PROOF ( WITHOUT A SIGNED CONTRACT ) THAT I AGREED AND THAT I AM RESPONCIBLE FOR THESE DEBT 'S!
Product: Debt collection

To : COMENITYCB/MYPLACERWDS Account # XXXX Dear COMENITYCB/MYPLACERWDS This letter is to formally dispute the debt you are attempting to collect from me and your subsequent inclusion of this disputed debt on my credit report. I am writing to you specifically concerning your actions in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including : 12 C.F.R. 1006.34 ( b ) ( 5 ) : This regulation requires you to send a validation notice within five days of initial communication concerning the alleged debt. I have not received such a notice.

12 C.F.R. 1006.34 ( c ) ( 4 ) ( i ) ( ii ) : What you claim the debt is valid based on? However, I dispute this claim for the following reasons : Not my Account.

12 C.F.R. 1006.34 ( g ) and 15 U.S.C. 1681-1687 : By placing this disputed debt on my credit report before providing a proper validation notice and verifying its accuracy, you have violated both the FDCPA and the FCRA. Additionally, your claim that you have " no authority to furnish any account to a consumer report agency required by law '' is misleading and misrepresents your actions.

Therefore, I demand the following immediate actions : Cease all collection efforts related to this disputed debt.

Remove the debt from my credit report with credit bureau ( XXXX ). 
Provide written confirmation of both actions within 30 days of receiving this letter.

Please be aware that if you fail to comply with my demands, I will be forced to pursue further legal action against you, which may include reporting your violations to the Consumer Financial Protection Bureau ( CFPB ) and/or filing a lawsuit in civil court. 


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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 XXXXXX/XX/XXXX