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

XX/XX/XXXX my Heloc loan was transferred from XXXX to SLS ( Specialized Loan Services ). XX/XX/XXXX of {$1300.00} I made the first payment which SLS could not locate for 3 weeks. SLS continued to call and tell me my account was  delinquent even tho payment had cleared and I have receipt confirmation from them of my payment. SLS stated that my account was under maintenance due to the recent transfer from XXXX and this could take up to 60 days to sort out and that I would not be charged any late fees during this time that my account was showing delinquent. 
XX/XX/XXXX made my next payment of {$830.00} even tho my account was still showing delinquent. 
XX/XX/XXXX {$820.00} made 3rd payment although account account still showing delinquent and receiving phone calls about my delinquent account regularly and having to explain to SLS that my account is current, but they have informed me that my account is under maintenance. 
XX/XX/XXXX made payment {$780.00}. Account is now showing as current for the first time since XX/XX/XXXX. 
XX/XX/XXXX made payment of XXXX as they now have my account showing as past due again of {$780.00}, so made the payment of {$790.00}. Received multiple phone calls that my account is past due. spoke with another rep from SLS who stated my account is again under maintenance due the the transfer from XXXX, but I will not be charged any late fees although they are showing my account is past due. 
XX/XX/XXXX account still showing as past due, paid monthly payment states I owe {$780.00}, but when paying online it says that {$780.00} Is past due and I need to pay {$790.00}. spoke to rep from SLS who stated my account will take another few weeks to show current, but not to worry as they are not charging me late fees. Called back end of XXXX as I'm concerned now that it's showing in my account online that I am 90 days past due. SLS stated not to be concerned that the account is still in maintenance. 
XX/XX/XXXX now account is showing I owe a past due balance of {$970.00} even tho amount due is showing {$790.00}. Paid SLS {$790.00} as my account is not past due. Called customer service who stated that my account will show current by XX/XX/XXXX and and to call back to make sure it's been done. I've called SLS almost daily since XX/XX/XXXX as I wanted to give them an extra day. My account is still showing delinquent. I have asked them to send me statements of my account since XXXX of XXXX. I have never received a statement of my account or my payments. 
When I've asked to speak with a manager since XX/XX/XXXX to current date, I am told that I will receive a phone call within 24-48 hours. I've not once received a phone call from a manager. I pay online and print out my email receipt monthly as I do not trust them. I need them to REVERSE ALL DEROGATORY REPORTING OF MY ACCOUNT THAT IS MORTGAGE RELATED ASAP. All my payments have been on time to Specialized Loan Services and I've also paid over the amount that showed due and still they are showing my account is past due.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN I HAVE DISPUTED UNAUTHORIZED ITEMS AND ASKED FOR PROOF AND VERIFICATION OF OWNERSHIP OR EVEN A CERTIFIED RECEIPT VIA CERTIFIED MAIL ACKNOWLEDGING A DEBT OWED WITHOUT THESE ITES THEY ARE VIOLATING MY FAIR CREDIT CONSUMER RIGHTS AND ACCOUNTS NEED TO BE REMOVED # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I've seen it all over the internet that you must mail your credit card payment at least 14 days before the due date. Really? that's funny because I can get a check all the way across the country in two days to someone who wants my money and in the bank on day three.

I mailed a check a week ago to my credit card company and they " haven't gotten it. '' I've had over a dozen credit cards, over the years, and it seems that some companies are good and some aren't. I have mailed my check in a week early ( 5 days ) and gotten a late fee, and guess what, my check shows up in in my account ONE DAY AFTER the late fee and due date.

Of course I tried playing their silly game and mailed my check in 14 days in advance even though the money wasn't in the bank. I figure, okay if it's going to take 14 days, then I'll have the money in the bank by then. Guess what, 3 days later, into their account it goes and into my bank it comes with a nice little bounced check charge, if not a charge AND a returned check from my bank. That little " one time '' {$20.00} credit card payment just cost me {$75.00}. Here I am back at square one with a missed payment on my credit report {$75.00} poorer and that's only if they run it through once, it really gets fun if it goes through twice. The credit card company still wants their payment and the minimum payment goes up from there. 
It seems like this is a one way street. You can't convince me that there is one little old lady with XXXX posting checks and she's just way behind. I know from experience that " some '' credit card companies set checks aside until after the due date just to get the late fees. Can I prove that? Nope. Will they admit to that? Nope. 
I know that they want us to pay over the internet because BOOM they have our money now, they didn't have to handle anything, process anything, no time, no expense, no costs. I also understand that this is the " industry standard. '' So how come XXXX is doing so good with next day deliveries. People don't want to wait 14 days for their stuff. They don't wait 14 days for charges to go on my credit card balance. They don't wait 14 days for my check to clear before it goes into their bank account ... it's 3 days tops and usually one or two. They don't wait 14 days to charge me a late fee, it's the next day. 
The " industry standard '' is pretty poor. Maybe it's because it's pretty poor industry. I call up to plead my case and get a little ONE DAY grace and they refer me to their rules ... .What 's the little consumer supposed to do against the multi-million dollar credit card companies and their lobbyists? Nothing!!! Except play their little stupid games until I can pay off the credit card and cut them all in half and pay CASH for everything.
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.

Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account Number # XXXX 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 Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account 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. 1681 c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report contain 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting Agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have had the unfortunate experience of having an account that was previously deleted from my credit file re-inserted in direct violation of the Fair Credit Reporting Act. 611 ( a ) ( 5 ) ( b ) ( i ) ( A ) " the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate ''. 

The account was originally deleted with XXXX, but when the responsibility of collecting the alleged debt was transferred to AMSHER COLLECTION AGENCIES, it was reinserted to my credit file without " certifying that the information is complete and accurate. " I contacted the credit reporting agencies to inform them of this mistake, and they advised I discuss directly with the furnisher of the information. 

I emailed the furnisher, AMSHER COLLECTION SERVICES - ORIGINALLY XXXX, the attached letter XXXX XXXX, 2015, requesting the account be immediately deleted. 

I followed up with a phone call to AMSHER XXXX XXXX, 2015. After much time and many transfers, I finally was speaking to the proper customer service representative, XXXX. I explained the mistake, it was likely an administrative error, requested AMSHER immediately delete the account and inform the credit reporting agencies. She stated, " Since we do not purchase debts, we can not remove them from the credit reports. " I informed her that this is in direct violation of the FCRA since they are furnishing the information! If they can furnish derogatory information then not only can they delete it, but it is their responsibility to delete it, especially when made aware of the violation of the FCRA ( re-insertion of previously deleted information ). She transferred me to her manager, XXXX XXXX. 

I again explained the situation to XXXX, but he stated that since they recently acquired the debt that it must be valid and therefore can not be deleted ( he stated nothing about not being able to delete it since " AMSHER does not purchase debts '' ). I informed him that these are significant violations of the FCRA - both reporting inaccurate information and reinserting information that has not been certified to be complete and accurate - and even offered a solution whereby they remove the account in question while AMSHER and XXXX internally resolve the issue. IF they " certify the information to be complete and accurate, '' then they could re-insert it and be in compliance with the FCRA. How can any furnisher of information reject such a common sense solution that is in compliance with the FCRA? 

I informed him that I am extremely familiar with the FCRA, and I will immediately file a complaint with the Consumer Protection Financial Bureau if he is not willing to delete it as this is an extremely clear case. He told me to " do what I have to do. " I request the account be immediately and permanently deleted from my credit file as these violations of the FCRA are negatively affecting my ability to gain employment. Due to my employment application situation and the clear violations of the FCRA, I ask that my request for deletion be expedited. 

Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX Account # XXXX, 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - XXXX : {$5100.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$1700.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$71000.00} - Account # : XXXX XXXX XXXXXXXX XXXX XXXX  - Balance : {$83000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Debt collection

XX/X/17 - I called them to start payments on the amount owed of {$590.00} - they are asking for payment of {$800.00} - they are adding a fee of {$200.00} - is this legal?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$4800.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$970.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$820.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$390.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX, XXXX, XXXX, XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX SOCIAL SECURITY NUMBERS NOT RECOGNIZED XXXX  15 U.S.C, 1681section 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 an 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 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

My wallet was lost that included my drivers license, social security card, and other forms of identification outside of my house and since then there have been several fraudulent ac-count opened in my name student loans, utility bills, car loans, credit cards, home leases, student loans and I dont know what else. I have filed a police report as well. I would like for all these items to be deleted from my credit profile. I also learned that some family mem-bers illegally purchased cars in my name, and have refused to delete my name from their auto loans. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Debt collection

Today, XX/XX/XXXX is my first time hearing of this debt. The guy stated he is a compliance officer and he was sending my information to have me arrested for grand theft if I didnt pay for a debt. He wouldnt tell me what the debt was for. And continues to hang up in my face. Then After the third call he forward me to processing saying that he already sent my file to have me picked up in 24 hours. This was so humiliating as I didnt even know what this was for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why did my report drop by 17points?
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Inaccurate Reporting and Failure to Provide 1099-C To Whom It May Concern, I am writing to formally submit a complaint against XXXX rega.rding the inaccurate reporting of my account on my credit report. My account number is XXXX I have disputed this account multiple times with XXXX, Equifax, XXXX, and XXXX due to its designation as a " profit and loss write-off. ", Inaccurate payment history, and Inaccurate account status. Despite my efforts, XXXX continues to report this account inaccurately without providing me with a 1099-C form, which is required for such a write-off. This lack of documentation raises concerns about tax implications and compliance with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I have the right to dispute inaccurate information on my credit report, and I believe that XXXX has failed to fulfill their obligations in investigating and rectifying this matter. The continued reporting of this charge-off is not only misleading but also damaging to my credit profile. I request that XXXX immediately remove this charge-off from my credit report as well as the negative and inaccurate payment history until they can provide the necessary documentation to support their claims. It is crucial that my credit report accurately reflects my financial history, and I believe this accounts current status violates my rights under the FCRA. Thank you for your attention to this matter. I look forward to a prompt resolution. Sincerely,
Product: Mortgage

My property ( which has now been sold ) was transferred from XXXX XX/XX/XXXX XXXX Freedom Mortgage on XX/XX/XXXX. At the time of transfer there was a negative balance of {$39.00} in my escrow. I made my regular monthly mortgage payment for XXXX to Freedom Mortgage. Toward the end of XXXX I was offered a lower interest rate to refinance my loan which I accepted and the refinancing took place on XX/XX/XXXX. 

In XXXX after continuing to contact XXXX concerning the refund for property taxes I had paid instead of them, I was informed that on XX/XX/XXXX they had sent by wire a refund of {$540.00} for the property address located at XXXX XXXX Ct, XXXX, Alabama Parcel Number XXXX ). I then contacted Freedom Mortgage and was transferred to their third party billing for Freedom Mortgage who after 50 or more days acknowledged receipt and said that the refund had been turned over to Freedom Mortgage. I have been put off concerning this refund with the message to call every 45 to 50 days. 
I sold the property on XX/XX/XXXX and XXXX and XXXX paid the property taxes for the closing that was set for XX/XX/XXXX. Afterward I received notice from Freedom Mortgage that they had paid the property taxes when they disbursed the balance in my escrow account. I contacted them and was told to give them 50 days to research and verify they had receive the refund from XXXX XXXX XXXX. I gave them another 50 days and still have not received the tax refund for the prior tax year nor for this tax year that XXXX and XXXX has paid. I am seeking to get my refunds for the tax years owed to me. I was informed by the tax department that a refund has been sent back to them from XXXX XXXX commissioner for the property taxes. But no refund has been processed for me. 
I previously filed a complaint with the Better Business Bureau but nothing came of it. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

Caine & Weiner {$1500.00} I challenge the accuracy, compliance and reportability of this listing by Caine & Weiner, and I contacted original creditor and was informed that this is an error and you must remove it, and they stated that this was not verified by their companyaccount was settled with original creditor ( 01 XXXX XXXX  ) no contract existdebt can not be collected twice ; this against the law.

... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow.

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..