23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Good Morning, Discover has violated the FAIR DEBT COLLECTION PRACTICES ACT. 

Pursuant to 15 U.S. Code 1692b ( 5 ) a debt collector shall not use any language or " SYMBOL '' on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; Discover has violated the FAIR DEBT COLLECTION PRACTICES ACT by using their " SYMBOL '' in the attached email.

Pursuant to 15 U.S. Code 1692d ( 2 ) a debt collector shall not use obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Discover violated the FAIR DEBT COLLECTION PRACTICES ACT by stating " this is an attempt to collect debt '' in the attached email. 

For these violations Discover is liable to me for {$XXXX} pursuant to 15 U.S. Code 1692k ( a )
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts for Low has violated my federally protected consumer rights to privacy and confidentiality under 15 USC, 1681 Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Has violated my rights 15 USC 1681, section 602 A 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 15 USC 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 conviction of crimes, which antedates the report by more than seven years.

15 USC 1681S 2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FTC : XXXX CFPB : Date : XX/XX/XXXX Subject : Formal Dispute of Inaccurate and Fraudulent Information on Credit Report Dear XXXX, I am writing to formally dispute several inaccuracies identified on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that these inaccuracies be promptly investigated and corrected. The information in question is both incorrect and appears to have been fraudulently added. 

This dispute is submitted on my own behalf, without any third-party assistance. For your review, I have enclosed copies of my identification, Social Security card, an FTC complaint, and a CFPB complaint relevant to this matter. 

Additionally, I reference prior case law where XXXX has been held accountable for similar violations : XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Found TransUnion liable for reporting inaccuracies and failing to remove erroneous accounts, violating the FCRA. 


XXXX. United States XXXX XXXX XXXX ( XXXX ) : Highlighted ongoing FCRA violations, resulting in penalties for non-compliance. 



The specific violations I am addressing include : XXXX. Fair Debt Collection Practices Act ( FDCPA ) : XXXX has inaccurately reported debt collection information, potentially violating FDCPA provisions. 



XXXX. Fair Credit Reporting Act ( FCRA ) : Numerous FCRA violations, as documented in cases like XXXX XXXX XXXX XXXX XXXX. 



XXXX. Attorney General Actions : Government enforcement actions, such as United States XXXX XXXX XXXX ( XXXX ), have cited XXXX 's non-compliance with FCRA standards. 


Requested Actions : Under 15 U.S.C. 1681c-2, which mandates the removal of information resulting from identity theft within four business days, I request the immediate correction and removal of the following erroneous accounts : 1. Accounts : Santander Consumer USA ( Account # XXXX ) Date : XX/XX/XXXX Balance : {$7800.00} XXXX XXXX XXXX. 

Address : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX XXXX. Inquiries : XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX I trust that XXXX will address this matter promptly and comply with all legal obligations. Please provide a written confirmation of your investigation and resolution. Should you require any additional information, do not hesitate to contact me at the address above. 

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

After reviewing my credit report, I noticed I have 2 late payments being reported by BARCLAYS BANK/GAP . I called and they were unwilling to reverse the late payments although I have excellent payment history, and this was an oversight on their part. This is not how a customer with my history should be treated, I notice the late payment was reported in XX/XX/ and XXXX XXXX  Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. 
Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for Amazon credit and they responded with an inaccurate credit score. They claim it came from XXXX  - JP Morgan Chase, and I get all alerts from XXXX  directly.
Product: Credit reporting

Portfolio recovery associates keeps reporting wrong information to my credit report and Experian keeps reporting that wrong information in flagrant violation of the Fair Credit Reporting Act. The XXXX XXXX XXXX account on my credit report needs to be deleted per the consent agreement between the Consumer Financial Protection Bureau and XXXX XXXX XXXX from XX/XX/XXXX. In addition, XXXX XXXX XXXX is reporting an active collections account XX/XX/XXXX and XX/XX/XXXX. This is wrong, there is no open collections account with XXXX XXXX XXXX. XXXX XXXX XXXX is reporting wrong information in flagrant violation of the Fair Credit Reporting Act. XXXX XXXX XXXX is trying to reage the account so that it stays on my credit report longer in flagrant violation of the Fair Credit Reporting Act. Experian keeps reporting the XXXX XXXX XXXX account as an open collections account which is wrong, and it should be deleted as per the consent agreement with the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : US DEPT ED Account # XXXX and XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Dates of late : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX I'm not sure how I was late in those months. I have paid this account on time during those months. I could have gotten my statements late. I also see the date of last payment being reported inaccurately. XXXX  is reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX.
Product: Consumer Loan

In XXXX of 2015 I took out a loan on a 18 month contract. They have been deducting {$110.00} every month for the past 16 months. There was a balance of XXXX payments. I got a letter that XXXX payments were due. I sent them a letter that are not permitted to debit my account any more. I have various letters from them stating that I owe them XXXX payments. I have ask them in several letters to show me where I owe XXXX payments. The last payment would have been deducted in XXXX of 2015. I have a contract that states the begin date and the end date. They never answer me they keep sending me a bill. The last letter I received, the stated that they have been trying to contact me at a phone number in XXXX. I have lived in XXXX for 20 years. My phone number is on the contract. I understand that I owe them XXXX payments, they will never answer my letters explaining why I owe them XXXX payments. I have letters they have sent me and my responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX on several occasions requesting verification, the method of verification, as well who completed the verification. I have made the request on several occasions in writing. I have also requested this company to complete an investigation into this matter on several occasions in writing as well. the Company. In my request I have asked this company to investigate, verify, validate and provide me with specific information that supports the information reported and the company only sends me a reply stating they investigated and verified the information but has FAILED to provide me with who completed the verification/validation, what was used to verify/validate the information, yet they have continuously reported the information on my report. The companies most recent response to my request was no different than its 3 previous responses except that they will not re-investigate what they are claiming is valid. I have disputed this matter on several occasions and due to the fact that this company has already violated my rights and ignored all previous requests that I have made in writing and have even responded but did not complete the request that I have the right to make and fell withing FCRA guidelines. I am requesting IMMEDIATE removal of the Bankruptcy Ch.XXXX from my report as well as the account with XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I turned in my XXXX 2013 and took about another lease with XXXX XXXX XXXX. They were supposed to make pay off the car and did so too late. After having Ford Credit calling me to make payments I repeatedly called XXXX XXXX XXXX to pay the car off before the due date. They assured me they would and they did n't. They paid the car off 30 days after its due date and Ford Credit reported it under my namemail to the credit bureau. I have a letter from Ford Credit and XXXX XXXX XXXX stating that they would resolve this and it is still showing in my credit.
Product: Mortgage

Summary : First National Bank classified my second home as an investment property. They are now telling me, due to this erroneous classification, I need 35 % equity in the home in order to eliminate PMI, despite the fact that all the loan documentation I signed at closing indicates 20 % ( and it auto terminates at 22 % on XX/XX/XXXX ). 
At no time during the lending, closing, etc. process was there a discussion about 35 % equity to eliminate PMI. In fact, my original Loan Officer has confirmed she has never even heard of such a requirement. 
I have tried for a month to get this resolved and I can barely get anyone respond. 

Details : On XX/XX/XXXX, I reached out to my lender ( First National Bank ) indicating I wanted to cancel PMI and requesting information on what I needed to do to get the process started for proving I have > 20 % equity in the home. I am attaching an email ( Exhibit_A ) showing the the entire conversation with my original Loan Officer. 

On XX/XX/XXXX, I received a call back from XXXX ( mortgage servicing dept. ). 
He indicated I needed to have 35 % equity in the home since it was done as an investment property, versus the 20 % as indicated by my loan docs and my direct Loan Officer. I told him that's not what I agreed to and asked him to escalate the request. He said he would get back to me later that day. Since then, I have left a few voicemails and he has never returned a single call. 

I continued to try and work through my original Loan Officer to obtain a resolution. On XX/XX/XXXX, she indicated she received a response that I needed 35 % and that " they '' are sending me a letter. She said she has never heard of a 35 % requirement and neither has anyone else in her office ; therefore there's no way this was ever communicated to me. Again, the loan documentation I signed clearly states PMI can be canceled at 80 % ( and will auto terminate at 78 % ). To date, I have never received a letter. 

Finally, today ( XX/XX/XXXX ), as I type this complaint, I received a follow-up call from XXXX ( mortgage servicing dept. XXXX XXXX 's superior ). She is telling me I need 35 % equity to eliminate PMI and there's nothing she can do except escalate the issue to someone higher. 

Again, my loan documentation ( attached ) clearly states I need 20 %, not 35 %, to cancel PMI. The bank is refusing to make this right and take the necessary steps to correct the issue they caused. Given it's been almost a month without any resolution, I have very little confidence FNB will provide a satisfactory response. Satisfactory = tell me what steps I need to take to prove 20 % equity and then eliminate the PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the Pandemic most of my accounts in my report could not be Pais. I did try to address the accounts but they didn't seem to care or understand what was going on during this time. I have reached out to XXXX XXXX XXXX, XXXX and many other around XX/XX/2020. They took money from me and instead of using that money to go towards the balance they used it towards the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer paid the account in full and was given a deletion to pay letter from First Federal Credit & Collection. This was paid on XX/XX/2021 and to date it still on consumer report. I'm demanding this account to be taken off IMMEDIATLEY!

Attached below is the letter the consumer received from First Federal Credit & Collection.
Product: Credit reporting or other personal consumer reports

My credit report is reporting a bankruptcy which XXXX still have not furnished me proof that this account was verified. XXXX XXXX We have reviewed the information from our Bankruptcy XXXX and determined that the data being reported is unverifiable. Dispute of Bankruptcy XXXX Under 15 U.S.C. 1681c ( 5 ), Reference Number : XXXX. Under 15 U.S.C. 1681c ( 5 ), which governs the maximum time that adverse credit information, including bankruptcy, can be reported on consumer reports, this entry is either inaccurately reported or has exceeded the permissible reporting time. Please conduct a reinvestigation into this matter. I request that the inaccurate or outdated bankruptcy entry be removed from my credit report, or that I be provided with verification from the original source showing that the information is still valid and meets all the requirements for reporting under the Fair Credit Reporting Act. I have been disputing these issues for 9 months. Dates that I sent a letter requesting these issues be hand or furnish me with the necessary documents XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. XXXX sent a notice on XX/XX/year> stating they verified this information.
Product: Debt collection

On XX/XX/XXXX, I initiated contact with LVNV regarding an outstanding debt. I requested that they validate the debt in accordance with legal requirements by providing me with the original assignment and documentation proving their right to collect the debt. Upon receiving the documentation, I discovered that it consisted solely of a few billing statements from the original debtor. 
I subsequently contacted LVNV to inform them that I had not received the necessary documentation required by federal law. They responded by stating that they were not obligated to provide the required paperwork, but rather only the documentation mandated by the State of New York, which I was unfamiliar with. 
I requested that LVNV remove the debt from my credit report since they were unable to validate the debt. At that time, I was informed that they would continue to report the debt until XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a balance that is incorrect and has been incorrect, going on 30 days now. I have contacted them and the credit reporting agencies and have not gotten anywhere.
Product: Credit reporting

I filed for bankruptcy protection in Maine as a temporary method of protecting my financial commitments while waiting for a consumer complaint case to be mediated-I did n't want my vehicle repossessed before the manufacturer was held accountable under the Lemon Law and replacing it or refunding my money. In order for the bankruptcy to be valid and proceed, I would have had to pay the required fee ( which I did not ) as well as providing the complete application paperwork & forms ( I also did not do that, as this was simply a strategy to delay repossession for a few days. Since I did not submit the complete package and fees, the case was dismissed almost immediately, but Experian has maintained that this was a valid bankruptcy and has listed it as such in my credit report since XXXX. 

This has caused me great harm in that I have been repeatedly turned down for consumer credit despite my record being pretty much spotless with no debt. I first submitted appeal # XXXX on XXXX/XXXX/XXXX that included a statement from XXXX Maine that the case was dismissed, but Experian refused to acknowledge the dismissal, saying that the bankruptcy was valid. 

A year later on XXXX/XXXX/XXXX I checked my credit report and found that Experian still burdens me with this invalid bankruptcy, so I filed another appeal ( # XXXX ) and Experian still maintains their unreasonable position. 

I believe that if a bankruptcy was dismissed/never happened that I should not suffer the same consequences as though I had proceeded through the entire bankruptcy process and since I did not benefit from the bankruptcy other than to gain a few more days so that the mediation could be completed, then I should not have to suffer the same consequences as if I had. 

To consider otherwise would unreasonably burden consumers with the punishing effects of " credit terrorism '' without being justified by actual events. In what world does " dismissed '' really mean I have to suffer this harm anyway? If valid, then it would take away any incentive for consumers to avoid bankruptcy - was that the intent of the government - to ceaselessly punish consumers when they try to do the right thing and honor their commitments? That would be counterintuitive at best and easily seen as a grossly negligent policy if true. 

Please review the attached materials and tell Experian that they are causing more harm than good. In fact, I ca n't think of one positive aspect of their business model that benefits our society whatsoever.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX/ {$430.00} / XX/XX/XXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX
Product: Mortgage

On or about XXXX/XXXX/2015, I received an approval letter from my senior lien holder and immediately forwarded it over to the junior lien holder Chase. I have received several extensions from the Senior Lien Holder and I have informed Chase that I can not receive another extension. This latest extension expires on XXXX/XXXX/2015. I have phoned, emailed and sent messages through equator and still no result on my approval letter. My file has sat with Chase for over a month and was not touched. It took XXXX months to get my address corrected. It is as if the bank is pushing me into a foreclosure situation, I see no evidence of them doing what the government says the lenders should to provide foreclosure alternatives to us as homeowners. I have tried as hard a I can to make this work and the bank is being unreasonable. So, due to their inactivity and unwillingness to assist me, I have reached out to you. I am desperate for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$340.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After a having a look at my recent credit report I noticed that TRANSUNION, XXXX  XXXX XXXX  are reporting I was late paying my XXXX credit card ( XXXX - XXXX XXXX ) for the month of XXXX and XXXX. There is also a report of me being late on my XXXX XXXX credit card ( XXXX ) on XXXX. I have always paid these accounts on time and I have never been late! If anything there is a chance that my payments did not clear by the statement date and if I was late, with the pandemic and lots going on with my family 's health, I innocently forgot to make a payment. 

I've never received a reminder for my payment or any notifications for a past due amount which I was unaware of. I also tried to reach out to the creditors mentioned above to rectify my concerns but was unable to to get in contact by phone or mail. I also sent dispute letters to the credit reporting agency and received no response so I had no other choice but to file a dispute with the CFPB. 

This is such a disappointment in our credit system that the bureaus will treat consumers like this, even with the pandemic going on, I expected some sort of system in place. I have a family to provide for and need a loan to help pay for our basic human necessities