23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile.The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true.Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant data documented on it!
Product: Debt collection

I was mailed a letter from Rent Recovery Solutions LLC in reference to a debt, I read the letter and responded within 30 days, upon checking my credit report i notice a negative item on my report stating i owed money to a company which was put on my credit before i got a response back. I was never notified by the collection company that i didn't have to do business with them. ( this a form of Extortion ) I tried to get a validation of the debt and received a letter with no signature of mine which is not an official verification.
Product: Debt collection

I have notice a fraudulent Macy 's account on my credit report a few months ago, I Immediately called the phone number for the company that was listed on my credit report and mentioned to them that this is a fraudulent account. I told them that this was Identity theft and also notified them that I have filed a police report. Another month later I noticed on my credit report that they have reported me as being late on making a payment, after I told the company this was a fraudulent account, the company did not make any notations or remove this item from my report, or temporarily stop reporting negative history about this fraudulent account until an investigation has been completed, the company clearly violated the FCRA regulations and section 605B of the fair credit reporting act. 

I also made another follow-up call with the company to check why this item is still on my credit report, this time the agent stated to me they did not have any information about a fraudulent account, and the only information they had on file was a reported lost or stolen credit card, I clearly told the agent I reported identity theft and never opened a credit card with this company. the agent was rude and I was not able to clearly understand her. She then hung up the phone call on me. I reported this back to the police again, as well as the ( FTC ) Federal Trade Commission, and the ( BBB ) Better Business Bureau. and the District attorneys office. I also informed the company that my residential mail was also fraudulently placed on hold, and the thief 's used my address to obtain services and was able to pick-up mail without my knowledge,
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by all bureau . Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 
After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Here is a breakdown of potentially inaccurate information : 1. Number of Months ( Terms ) : XXXX shows XXXX  months as terms, which is inconsistent with XXXX and Experian, both reporting 78 months. 
XXXX. Comments Section : XXXX has Auto Fixed rate listed in the Comments section, while XXXX and Experian do not have any comments. This inconsistency might indicate missing or unnecessary data. 
XXXX. Date Last Active : XXXX lists XX/XX/XXXX, Experian lists XX/XX/XXXX, and XXXX lists XX/XX/XXXX. These dates are inconsistent. 
XXXX. Date Opened : XXXX shows XX/XX/XXXX, while Experian and XXXX list XX/XX/XXXX. 
XXXX. Last Reported : XXXX and Experian both list XX/XX/XXXX, but XXXX lists XX/XX/XXXX. This discrepancy could cause issues. 
XXXX. Two-Year Payment History ( Late Payments ) : The XXXX and XXXX late payment statuses differ slightly across the bureaus for certain months. For example : XX/XX/XXXX shows XXXX for XXXX and Experian but XXXX for XXXX. 
XX/XX/XXXX has XXXX for Experian and XXXX, but XXXX for XXXX. 




Section XXXX of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ]. 
I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX XXXX : CFPB FTC States Attorney General
Product: Credit reporting or other personal consumer reports

My account with those creditos was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

This debt collection company is violating my consumer rights and causing me emotional distress by constantly harassing, publishing an alleged account that I do not owe. I have reached out to this company several times via phone call and email which I recorded for proof. I owe no debt to Caine and Weiner nor XXXX. I refuse to pay a debt, I do not owe. I also do not wish to contract with Caine and Weiner. This has caused me job loss due to negative and false information published by this debt collector, which made me suffer XXXX  and XXXX. This debt company negligence has caused me to seek medical attention.
Product: Debt collection

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 Re : Request to Cease Reporting to Consumer Reporting Agencies ( CRA ) Pursuant to 15 U.S. Code 1681b Dear [ CAINE & WEINER COMPANY INC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to you today to request thatCAINE & WEINER COMPANY INC immediately cease reporting information about my credit account ( s ) to any consumer reporting agency ( CRA ), including but not limited to XXXX, XXXX, and XXXX, as authorized by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, a CRA may only furnish a consumer report for a permissible purpose, which includes, among other things, for the purpose of evaluating a consumer 's creditworthiness for a loan or other credit transaction. I have not applied for any new credit or other credit transaction with CAINE & WEINER COMPANY INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nor have I authorized you to provide information about my credit account ( s ) to any CRA. Therefore, I believe that the continued reporting of information about my credit account ( s ) to CRAs by CAINE & WEINER COMPANY INC is a violation of the FCRA. I request that you immediately investigate this matter and take the necessary steps to rectify the situation. Please provide me with written confirmation within 30 days of the date of this letter that you have ceased reporting information about my credit account ( s ) to CRAs. Please be advised that if you fail to comply with my request, I will be forced to take further legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or initiating a lawsuit against CAINE & WEINER COMPANY INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for damages and other relief. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My issues is with XXXX XXXX, XXXX XXXX  and Transunion. I have an acct from XXXX that was charged off that still shows late payments. It is reflecting that the account has been charged off twice. There are multiple inaccuracies that they continue report. My credit report does not reflect any notice of the multiple disputes that I initiated. The bureaus are not reflecting the correct date of last payment and last activity. All of the 3 bureaus are saying that they verified the information but all 3 bureaus are reporting different info. There is no original amount on some of the bureaus and there is no high balance. Failing to update means the account was never investigated. If it was investigated the status updated should be current. They have a lack of limit and XXXX  is showing that the account is open with Current payments after being charged off. 
XXXX I requested that XXXX XXXX XXXX and Transunion remove the XXXX account. I have even sent multiple letters to XXXX requesting that the debt be deleted due to inaccurate information listed on my credit report, XXXX has no credit limit or high credit amount. I have continued to reach out to the bureaus, the creditors and the collection agency. I have had no relief and had to suffer exorbitant interest rates, denial of employment, government benefits and even housing.
Product: Checking or savings account

I have tried to open checking account under my name to build credit and I cant due to victim of identity theft and all financial institutions inform me to contact XXXX to clear up any balance owed in that case was due to the check that have been stolen and now I cant open no accounts at all please dispute that I am now aware please
Product: Debt collection

I received notifications on XX/XX/2021 and XX/XX/2021 that there were changes to my credit. When I checked, I saw two collections accounts that I do not recognize from a company that I have no dealing with. I have received no notifications, especially written ones, regarding these accounts from Portfolio Recovery. I disputed the collections accounts. They have not been validated. Portfolio Recovery 's practices are illegal.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). According to the Fair Credit Billing Act, it is imperative that accurate billing procedures are followed, statements are sent to the correct address, change of address requests are acknowledged, and disputed charges are handled in accordance with legal requirements. Additionally, the Act mandates that you promptly provide lawfully requested information about my account upon my request. In adherence to the XXXX, I request that you furnish a notarized statement on your official letterhead, confirming your compliance with the XXXX in general and specifically with regards to my account throughout my tenure as a customer. Account Details : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

We tendered lawful money to discharve alleged debt said to be owed by my " deceased '' husband and has been awaiti g the ceryification of release/duscharge from BANK OF AMERICA and Their Atty XXXX XXXX XXXX since XX/XX/2017. It more than a year and no response, only to receive a letter from XXXX XXXX XXXX say if I want to deed the house pver to them then they will not auction it ... this was like a thu derbolt ... .shocking! We were not notice by BOA of who this XXXX XXXX people are, no notice from them how they came to have control of my file. Also I was never noticed of a pending auction of my home. We learnt of this from co versation with other people and Reators. No proof given that I have been defaul or neglictful in this matter.
Product: Student loan

Aidadvantage did not process my income driven repayment plan ; it has been 11 months since I applied. They then charged me interest when it was an administrative issue on their end. I was told during this whole process by two different employees of theirs that I would not be charged interest. My account interest has increased by {$4000.00} since I have been waiting for approval of my repayment plan.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681c-2 credit bureaus are required to block fradulent information from appearing on my credit report once a identity theft report is presented. I expect an immediate resolution to this matter My personal information was leaked in the recent XXXX breach and every since then weird things have been suddenly appearing on my credit damaging my score. Please remove the following accounts. 

Harris & Harris acct # XXXX balance {$51.00} XXXX XXXX XXXX acct # XXXX. balance {$200.00} XXXX XXXX acct # XXXX balance {$1600.00} XXXX XXXX XXXX acct # XXXX balance {$15000.00} XXXX XXXX XXXX  acct # XXXX. balance {$13000.00} XXXXXXXX XXXX acct # XXXX. balance {$1000.00} XXXX XXXX acct # XXXX. balance {$1500.00}
Product: Checking or savings account

My credit card was paid XXXX $ on XX/XX/XXXX from a total fund of XXXX $ being available on my checking account. Although funds were available my money was returned due to insufficient funds on XX/XX/XXXX generating a late fee of XXXX XXXX The same thing happened with another credit card payment of XXXX $ and now late fees are XXXX $ although funds have been available on the day of payment ( XX/XX/XXXX returned XX/XX/XXXX ) and another credit card payment of XXXX $ on XX/XX/XXXX returned XX/XX/XXXX generating another late fee of XXXX $ with a total sum of over XXXX $ of late payments only for this month. There was no legitimate reason for these payments to be returned since I had funds of XXXX $ on XX/XX/XXXX. Calling the bank only resulted in me being humiliated by the banks customer service staff members.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL, XXXX XXXX Best Egg XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE, XXXX XXXX XXXX : Disputed Account Notice to Furnisher XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/2021 Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.
Product: Credit reporting

State of Georgia has no process or support for withdrawl of paid liens or liens made in error. Contacted credit bureaus informing them that the lien on my credit report is not accurate and have not made any headway.
Product: Credit card

Last year, im a XXXX of XXXX XXXX, i went to college. my social security and id were missing at the time. i reported a credit account. I thought that the fees and interest were going to go away as i said it wasnt I. That wasnt the ase they did stop the interest but i have school loans also so thats dropping my credit along with an account i didnt open or use. I didnt ask or sign up for anything personally this was done online like the company reported back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items on my credit report I had nothing to do with.
Product: Money transfer, virtual currency, or money service

I tried to to dispute transactions made with the XXXX app connected to my Chase bank account. Bank didn't want to dispute transactions because they went through and didn't see them as fraudulent. 
I was asking for 5 transactions to be cancelled 3 of them were for {$1000.00} one for {$950.00} and one for {$400.00} which adds up to {$4300.00}.
Product: Debt collection

I had a XXXX XXXX XXXX financed through Santander. In XX/XX/XXXX I got into a car accident and the car was totaled. I had full coverage insurance through XXXX as well as GAP insurance purchase at the time I purchased the car. 

XXXX paid for the car as well as GAP insurance. After GAP paid Santander reported to the credit bureau I still owed a total of {$4000.00} and continued to report the car as past due then on to a charge off. 

I never received anything from Santander explaining the balance owed or why there is a balance. Ive reached out and have not been able to get an answer as to how I owe a balance after auto insurance and GAP insurance covered the car. 

The account is still reporting incorrectly, monthly as a charge off updated XX/XX/XXXX which is resetting the time allotted.
Product: Checking or savings account

I am extremely dissatisfied with the service provided by XXXX XXXX Chase Bank. Despite my immediate notification of an unauthorized {$2300.00} transfer, the bank negligently deemed it authorized, plunging my account into a negative balance. This failure to protect me as a consumer is unacceptable and has caused significant inconvenience and distress. I demand a thorough investigation and swift resolution to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : The following personal information is incorrect : XXXX XXXX XXXX XXXX, GA XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

GMFS contacted me by phone offering a forbearance as a " courtesy '' on XXXX/XXXX/16 They gave false information about the terms of the forbearance. 

They stated that a 3 month forbearance would be made up at the end of the 30 year loan. that the loan would change from 30 year duration, to 30 years and 3 months. 

They also stated that my credit score would not be affected, there would be no delinquency issues, including late fees or interest fees. 
When the 3 month period was almost over, I contacted them and they stated that the previous information given on XXXX/XXXX/16 was not true, and that all 3 monthly payments were now due at one time, on top of my XXXX payment. These practices are unethical, untruthful, and disgraceful and the company should be held accountable by offering restoration and reversing the damage that they have caused.
Product: Debt collection

The company, PCB called from XXXX, in an effort to collect on a debt owed to XXXX XX/XX/XXXX XXXX in XXXX, OH. My daughter had suffered an accident in the Fall and at the time her mother was handling the medical bills, as was our agreement in our parenting plan. Her mother died in XX/XX/XXXX, and I have been slowly learning of and resolving the outstanding medical debts. 

Over the last month I have already resolved over {$1100.00} of outstanding bills, including {$750.00} just earlier this week. On Thursday, XX/XX/XXXX, at XXXX XXXX  I received a call from PCB while I was on my way to work ( I work second shift for a State agency that manages XXXX broadcasts in the State of Ohio ). The caller informed me she was calling to resolve a bill owed to XXXX XXXX XXXX. I informed her that I was driving and could not resolve the issue at that time. The caller told me that she would mark that down as a refusal to pay. I told her I wasn't refusing to pay, I just could not retrieve my payment method at that time.The caller informed me she could wait for me to pull over so I could retrieve my Credit Card. I informed her I was on the freeway and could not pull over at that time. The caller informed me she would wait. I said fine and continued to drive. About a minute later she asked if I was ready. I informed her that I was not, that I was still on the freeway. She again said that she would mark it as a refusal to pay. 

Once I was at a safe place to park, I contacted XXXX XXXX XXXX myself and took care of the balance directly.