23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XX/XX/year> Subject : Request for Deletion of Collection Account Due to Failure to Notify Within Five Days To Whom It May Concern, I am writing to formally dispute the collection account appearing on my credit report. This request is based on the grounds that the collection agency failed to notify me within the required five-day grace period as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Details of Disputed Account - Creditor Name : XXXX XXXX  XXXX XXXX  - Collection Agency : XXXX XXXX XXXX  - Account Number : XXXX Failure to Notify Within XXXX Days Under the FDCPA, specifically 15 U.S. Code 1692g ( a ), a debt collector must provide the consumer with a written notice containing details of the debt within five days after the initial communication. This notice must include : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement that unless the consumer disputes the validity of the debt within 30 days after receipt of the notice, the debt will be assumed valid by the debt collector if given contract or written consent. 
XXXX. A statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer.

5. A statement that upon the consumers written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

In this case, I did not receive the required written notice within the stipulated five-day period nor any 30 day period. This failure to notify me is a clear violation of the FDCPA and affects the accuracy and validity of the information reported on my credit report. 

Request for Deletion Given the non-compliance with FDCPA requirements, I request that this collection account be investigated and subsequently removed from my credit report. Please conduct a thorough investigation into this matter and provide me with a written response detailing the results of your investigation. 

Compliance with FCRA and FDCPA Under the FCRA, you are required to ensure the accuracy and integrity of the information in consumer credit reports. Additionally, the FDCPA stipulates the procedures and timelines for notifying consumers of their debt. As a consumer, I have the right to dispute any incorrect information and have it corrected or removed. 

Thank you for your immediate attention to this matter. Please confirm receipt of this letter and notify me in writing once the deletion has been completed. Should you require any additional information, please do not hesitate to contact me at XXXX or XXXX. 

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

On XX/XX/year>, I fully paid off my XXXXXXXX XXXX XXXX  account, and the payment posted at XXXX AM that same day. Although the account currently shows a {$0.00} balance, it is still being reported to all three credit bureaus as charged off. This reporting is incorrect, and I have not received a 1099-C, which XXXX would be required to issue if the account had indeed been charged off. 

Attached is a screenshot of the current XXXX Account status. It shows that the account was paid in full and has a current balance if {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per XXXX customer service, I disputed this account with each credit bureau several times, requesting that the 30 day late payment be removed. For each dispute, the 30 day late payment was verified as accurate. I recently received a letter stating that after review of my account, it was determined the information was reported as accurate. I strongly dispute the recorded 30 day late payment in XXXX. 

A payment was made on XX/XX/2020 and two payments were made XX/XX/2020 and XX/XX/2020. During this period in time, the escrow on my loan was in the process of being removed. 

A bit of background : when the loan was originated, I opted out of escrow. However, several months ago, escrow was added to my account, causing my loan payment to increase. I repeatedly requested to have the escrow removed, as Ive elected to pay my home owners insurance and property taxes separate from my mortgage loan. After speaking with the escrow department and several customer service representatives, as documented by XXXX representatives, I followed the process to have the escrow removed ( satisfying the escrow balance and sending signed letters to request that escrow be waived ). I was assured that escrow would be corrected and removed. I was then instructed to make my normal mortgage payment, sans escrow. 

On XX/XX/2020, XXXX received my mortgage payment sans escrow. XXXX has a 17 day grace period where as a payment is considered late if it is received after the XXXX of the month. A late fee was was charged to my account ( and later waived ) because of the initial back and forth with customer service representatives instructing me to wait before paying my mortgage payment until escrow was properly removed. I was told that paying a different amount than what the system was displaying may cause my payment to be returned to me. The XX/XX/2020 loan payment was subsequently returned to me because the escrow had not been removed from my loan as I was assured and my account still showed that I owed a loan amount which included escrow. 

Upon contacting XXXX about the returned payment, they assured me that the escrow had been removed from my account and I could resubmit the payment, sans escrow. I resubmitted my payment and on XX/XX/2020, XXXX received and applied my XXXX mortgage payment to my account. On XX/XX/2020, XXXX received and applied my XXXX mortgage payment to my account. 

Since this loan was originated, I have made each of my mortgage payments timely and have never been 30 or more days late. While dealing with the effects of COVID-19, I have worked extremely hard to stay afloat and not let any of my financial responsibilities fall behind or suffer adversely. Receiving a 30 day late payment on my XXXX mortgage account ( I have never been late for any accounts that are reported on my credit ) has ruined my credit and has caused creditors to decrease my credit lines on several of my accounts because my credit scores severely suffered with the 30 day late payment that is currently being incorrectly reported on my mortgage account with XXXX.
Product: Credit reporting or other personal consumer reports

THIS LETTER ISNT COMING FROM A CREDIT REPAIR AGENCY THIS LETTER IS COMING FROM A HUMAN A MAN IM NOT A ROBOT AND I TAKE MY LIFE VERY SERIOUSLY. I HAVE RECENTLY DISPUTED THE REFERENCES # XXXX & # XXXX BANKRUPTCY THAT XXXX XXXX ARE REPORTING ON MY XXXX, XXXX & TRANSUNION CONSUMER REPORTS XXXX XXXX XXXX STATED THEY WERE UNABLE TO IDENTIFY MY IDENTITY IN MY FIRST DISPUTE CLAIMNG MY INFORMATION WAS FRAUDULENT. I HAVE UPDATED MY INFORMATION WITH XXXX XXXX BY MAILING MY IDENTIFICATION ( DRIVER LISCENSE ) AND ( PROOF OF ADDRESS ). I ALSO HAVE A RECORDED PHONE CONVERSATION WITH ONE OF YOUR AGENTS. OK LETS GET TO THE MATTER AT HAND. THE ADDRESS THAT WAS FILED ON MY BANKRUPTCY WAS XXXX XXXX XXXX XXXX XXXX, GA XXXX. MY CURRENT ADDRESS IS THE ABOVE ADDRESS UNDER MY GOD GIVEN NAME. XXXX XXXX CLAIMED THAT I AM DISPUTING THAT THE BANKRUPTCY WASNT MINES THATS NOT TRUE. WHAT I AM DISPUTING IS THE FILING OF MY BANKRUPTCY ON MY XXXX CREDIT REPORT WITHOUT MY AUTHORIZATION. YOU STOLED MY DATA, MY PUBLIC INFORMATION, AND PERSONAL INFORMATION WITHOUT MY WRITTEN CONSENT ACCORDANCE WITH 15 USC 1681a ( 2 ) AND PLACE IT ON YOUR PLATFORM. I HAVE NO ACKNOWLEDEMENT OF YOUR CORPORATION AND NO CONTRACTS, NO WET SIGNATURES ON ANY CONTRACTS. I DONT HAVE ANY DEBTS, FINANCIAL STATESMENT OR PROMISSORY NOTES WITH YOU COMPANY I HAVE ALSO PLACE A FREEZE ON MY XXXX XXXX ACCOUNT SO WHY ARE YOU CONTINUOSLY UPDATING THESE REFERENCES. SUCH AS COURT RECORDS OR ANY AND ALL PUBLIC RECORDS ON MY CONSUMER REPORTS!!!! THIS IS CLEAR VIOLATION TO METRO COMPLIANCE! IM DISPUTING THIS ITEMS AGAIN! PLEASE REMOVE THE FOLLOWING REFERENCES ABOVE FROM MY XXXX, XXXX, AND TRANSUNION CONSUMER REPORTS IMMEDIATELY. SINCERELY, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute Regarding Charge-Off Reporting Credit Collection Service Dear Consumer Financial Protection Bureau XXXX I am writing to formally dispute the accuracy and legality of a charge-off reported by Credit Collection Service ( XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX on my credit report.

Upon reviewing my credit file, I identified significant inaccuracies in the reporting of this account. I believe the company has violated consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), specifically regarding the handling and reporting of charge-offs. 

Key Concerns : 1. Incomplete and Inaccurate Reporting : The reported charge-off contains errors that suggest it is not in compliance with FCRA Section 623, which mandates data furnishers to report accurate and complete information.

2. Discrepancies in Key Dates : The Date of Last Reporting ( DLR ) and Date of Last Activity ( DLA ) listed for this account are inconsistent and do not accurately reflect the true history of this account. These inaccuracies violate FCRA provisions requiring precise and truthful reporting of account details.

3. Debt Validation Request Ignored : Under FDCPA Section 809 ( b ), I have the right to request validation of the alleged debt. Credit Collection Service failed to provide sufficient validation despite my written request.

4. Improper Collection Practices : I suspect the charge-off was improperly calculated and misreported to credit bureaus, potentially violating FDCPA and FCRA standards for fair and accurate reporting.

Given these violations and the inaccurate reporting of the DLR and DLA, I respectfully request that this account be permanently removed from my consumer report as it fails to meet the requirements set forth by federal law.

To assist in your investigation, I have attached copies of my credit report, prior correspondence with Credit Collection Service, and relevant documents for your review.

Thank you for your assistance. I look forward to a prompt resolution to this matter. Please feel free to contact me at XXXX or XXXX for further details. 

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

My student loan provider is duplicating my student loans, I only have one student loan. But they continue to duplicate on XXXX XXXX  of Credit Reports.
Product: Debt collection

The banks Wells fargo and XXXX have a charge off on my credit that I do n't owe on and they refuse to verify the debt
Product: Checking or savings account

I deposited a check for {$3100.00} into Key Bank XXXX XXXX XXXX. I was told that the funds would be available the next day.

On Wednesday I checked my account and they placed a 5 business day hold on the account.

I went to three different branches and got three different excuses.

1. Check was hand written 2. Flagged by FDIC 3. Flagged by back office. 
No one had a clue. 

Got an email at XXXXpm that night. 
The reason it was flagged was because *REASONABLE CAUSE TO DOUBT COLLECTABILITY I got the check from a local business that I work for. I was draw on a local bank XXXXXXXX XXXX Business has been around for 22 years. 

After reviewing online I've seen other complaints that they are doing with other checks. One was from an employees pay check from NYS After reviewing rules with the XXXX it was anything over {$5500.00} they could place a hold on. 

I feel the are making the rules up as they go and doing whatever they want, at my expense. I deposit over XXXX per month into the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account XXXX ( Date claimed open XX/XX/2019 ) XXXX XXXX XXXX Account XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX ( 6 accounts ) XXXX XXXX XXXX DEPT OF ED/XXXX Account Number XXXX XXXX  Account Number XXXX 15 USC 1681 SECTION 604 A States A consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer agency knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on different month from 3 bureaus. 
XXXX XXXX XXXX
Product: Debt collection

National Credit Systems Inc states I owe them {$3800.00} in regards to a leasing breach. I am not responsible for this collection, my previous significant other was main provider in our leasing agreement. I have tried to dispute with XXXX XXXX XXXX but they are refusing to remove this incorrect debt off of my credit. This is unfortunately my last resort before I involve my legal team.
Product: Bank account or service

I had several mortgages with Bank of America before recession on my primary and investment properties. When the recession happened they started selling some mortgages to other companies. Things were ugly. I was not able to survive and felt behind. My properties were sold XXXX after the other. XXXX of my properties was sold in XX/XX/2015 by Bank of America which they have filed deficiency and reported to IRS. Not only I lost my house but also being reported that I ended in having {$12000.00} payment to IRS that I have hard time paying. On my only roof left on my head, that I only have a line of credit, they never worked out with me to lower my principal. I here all the time that they are forgiving many secondary loans. I am desperate. I am a single mom of XXXX adopted children that are in Medical school. I am lost everything that I had and I will be unable to support my kids schooling. I desperately need help. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple dispute letters on XX/XX/23 and XX/XX/23 to credit first and the credit bureaus regarding inaccurate late payments on my credit first account. The late payments are still on my credit. This account is also reporting inaccurate last payment dates on my credit report which are violations of 15 USC 1681eb that demands all accounts must be accurately reporting at all times. I have attached proof of my letters from XX/XX/23 that I sent out certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX about my XXXX XXXX Credit Card. I had misplaced the card and requested a new one. One week later, I was notified by XXXX  that the XXXX XXXX XXXX  Account had DELETED ENTIRELY from my credit profile, causing my FICO SCORE to DROP XXXX POINTS!!! 

I immediately contacted XXXX and they told me I should dispute it- which I did. Nothing changed. I called XXXX back, and they told me they had made the adjustments on their end. 

To date, that has not occurred. I have emailed XXXX and contacted them no less than 5 times both via telephone and in writing. And not ONE change has been made. I have an OPEN ACCOUNT with a BALANCE DUE which is NOT reporting on my credit report.. 

Certainly people have lost a credit card without having it wiped off their credit report- why is this so DIFFICULT?
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related t
o the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit card or prepaid card

SYNCHRONY BANK ATT : FRAUD DEPARTMEN/XXXX XXXX XXXX XXXX  XXXX OH XXXX REF : XXXX ( PREVIOUS DISPUTED CARD ) ACCOUNT : XXXX My name is XXXX XXXX XXXX I contacted you on XXXX XX/XX/XXXX regarding an account ( XXXX ) that I did not apply neither I use for purchases. I found out that this account exists when I checked my credit report and the score was low. I notified you right way. Your department started the investigation. I received a letter stating that you were unable to approve the claim. 
I have never applied on line and I have never purchased anything. I have never received anything to my address that I live for the past 2 years. I have never made any payments on this account. 
I need your department 1.- to verify the online application and where that credit card was delivered.

2- Where the payments are coming from?

3- If you see the transactions that you provide on the Fraud Investigation form is all purchases are from the same provider XXXX ON THE SAME DATE XX/XX/XXXX ( THAT SHOULD BE A SUSPICIONS ACTIVITY ON YOUR MONITORING ). ON XX/XX/XXXX XXXX  ( ANOTHER FLOWER COMPANY ). THIS IS ENOUGH PROOF OF FRADULENT ACTIVITY. 
4- I have never received any statements until couple days ago XX/XX/XXXX on. 
I need your department to re do the investigation and get to the bottom of this fraud. I need to remove all the accounts from your system and remove them from my credit report. 
I am cc the Consumer Financial Protection Bureau as well as the Three Main Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone made a {$190.00} fraud charge on my XXXX / Celtic / Continental credit card in XXXX. I reported the charge and they just kept sending me new cards without investigating. The balance continue to grow with late fees. I repeatedly called and Could not speak to the person who could fix the situation so I filed a complaint with the XXXX. In the meantime, it has been reported on my credit that I am currently {$99.00} past due and that I have a {$270.00} balance with the card co and I do not. I have contacted them again and again and disputed with all 3 credit bureaus and they can not get the company to provide update information. I have it on my phone, it shows paid and credits/ adjustments where they issued credits for the past due fees and charges. It is obviously this credit card company that is the issue since none of the disputes have rectified the problem.
Product: Mortgage

Suntrust Mortgage is basing an increase in my escrow account without taking into account an official estimate of my new tax amount for this year. I was eligible to benefit from a significant reduction in my county real estate tax by way of having been granted an over XXXX homestead exemption. My tax was reduced from {$1500.00} to approximately {$600.00}. The new computation is a high estimate based on my previous tax bill of {$150000.00}. 
I received an official document from XXXX XXXX, XXXX on the form that they commonly use for this purpose. The document is signed by the appropriate county employee and, as suggested by Suntrust, sent the document to Suntrust. Suntrust has advised me that they have this form in their possession. 
Suntrust recently calculated my escrow and payment based upon the previously mentioned higher amount. The stated reason was because their research department was unable to verify the new lower tax amount. I admit they I do n't know who they spoke with but I did attempt to have them contact the person that issued me the homestead exemption and the new estimate. The Suntrust employee told me that they do n't work that way. I advised them that federal law protected consumers from this type of problem. My suggestion is that they simply contact the person who signed on the county form and confirm the validity of the document. 
The approximate {$600.00} new tax amount does reflect the homestead reduction and is based upon last year 's tax amount with a reasonable increase in millage rate. In other words it is a county official 's best estimate of what my county tax bill will be for XX/XX/XXXX. 
The increase in my payment is almost {$90.00} per month and is not only burdensome but unfounded. I f they truly have a research department they should resolve this by contacting the county official that signed the document and adjust my escrow appropriately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ct ] XXXX XXXX XXXX XXXX ] XX/XX/XXXX Customer Service Department XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Removal of Charge-Off from Credit Report, I hope this letter finds you well. I am writing to respectfully request the removal of the charge-off status reported on my account with you, which is identified as Account Number : N/A I understand that the account was charged off as of XX/XX/XXXX, but I would like to bring to your attention that I have made significant efforts to address the outstanding balance. Since the charge-off was reported, I have worked diligently to improve my financial situation and ensure that any past payment issues are rectified. I respectfully request that, in light of my efforts to resolve this matter, you consider removing the charge-off entry from my credit report. This will allow me to continue rebuilding my credit, and I believe it would be a fair and reasonable gesture, given the circumstances. As you may know, a charge-off on my credit report has a severe and lasting impact on my creditworthiness. I would greatly appreciate your understanding and cooperation in this matter, as I am committed to resolving any remaining balance and maintaining a positive relationship moving forward. Please let me know if there are any additional steps or documentation you need from me to facilitate this request. I look forward to your favorable response. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My personal info may have been used for other reasons than I consented for.