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

Below was my previous complaint submitted asking for removal of this acct. based on the below referenced class action settlement of which my account was a part. The settlement agreement requires XXXX to delete or cause to be removed any and all negative info regarding my XXXX car loan account. XXXX investigated it and deleted it in response to my previous CFPB complaint but Experian from what I can tell did no real investigation and the item certainly was not removed. 

" Re : Acct : XXXX XXXX To Whom It May Concern : I am writing as a member of the nationwide class of the XXXX XXXX XXXX XXXX XXXX, No. XXXX class action settlement. Essentially XXXX XXXX was sued for predatory lending practices, improper notices in connection to collecting on loans as well as various violations of the UCC code. While I only received a small amount of money from the settlement as a class member, XXXX also agreed to request that the three nationwide consumer reporting companies XXXX, Experian, and XXXX delete trade-line information on your credit report related to your account with XXXX that is the subject of this case, as well as ceasing accrual of finance charges and late charges on deficiency balances. In fact, my XXXX XXXXXXXX XXXX was repossessed I believe 3 times during the requisite time period. This has not been done and this account still appears on my credit report The purpose of this letter is have this account removed entirely from my credit report as it is clearly having a negative impact on my credit as mandated by the aforementioned class action settlement agreement. I trust you will adequately investigate this matter and remove this tradeline within the timeframe as provided by law. '' The tradeline is still there and I was unable to ascertain what they investigated based on their overly vague response. I'm not sure how 2 credit bureaus can investigate the same item and then one removes it and the other doesnt. I would assume they would be verifying info in a similar fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have new evidence experian is violating my rights. Now I am exercising my right under 15 USC 1681i ( a ) i am demanding and requesting the description of reinvestigation of the procedure. I WANT TO KNOW ALL PARTIES INVOLVED SO I CAN CONDUCT MY OWN INVESTIGATION
Product: Credit reporting, credit repair services, or other personal consumer reports

I found that Transition and XXXX had decreased my score by XXXX points because a Shellpoint Mortgage had reported my Mortgage as a NEW mortgage when in reality they service my account for Newrez who purchased my account from XXXX, so it was a transfer not a new loan. Shellpoint nor Newrez pulled a bureau on me so why would a XXXX mortgage company issue a mortgage loan without checking my credit? Don't make any sense
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one ( 1 ) account that should have aged off of my credit report that is not only not aging off, but is being reported in duplicate ( XXXX as opposed to XXXX ) on my credit report. 

I have contacted and informed both the company that is supplying this erroneous, damaging information ( USAA ) and the credit reporting agencies XXXX  and XXXX with no success. I have sent documents to include XXXX 's and first report dates that validate my position that the information should have aged off and that the amount was for XXXX and not XXXX.
Product: Credit reporting or other personal consumer reports

I have an account with XXXX XXXX XXXX XXXX and a separate account with XXXX XXXX XXXX XXXX. However, I have never authorized XXXX XXXX XXXX XXXX to report any information about my XXXX XXXX XXXX XXXX account to XXXX or any other credit bureau. 

After speaking with an XXXX representative, it was brought to my attention that XXXX XXXX XXXX XXXX has been reporting my XXXX XXXX XXXX XXXX account information to XXXX without my consent. Furthermore, the information they are reporting is inaccurate. Specifically, they have reported a balance of {$2100.00} for my XXXX account, which is incorrect. The actual balance is {$1900.00}. This unauthorized reporting constitutes a breach of my privacy and has been flagged as fraudulent. 

Additionally, I noticed another discrepancy involving a company called Receivable Management. This company has reported a collection account on my credit report to XXXX, claiming it is a recent debt. However, this account was fully paid off in XXXX It is fraudulent and misleading for them to report it as a new debt within the past XXXX months.
Product: Credit reporting or other personal consumer reports

Im sending to you to follow up that I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an id theft report. Please find the required documents to assist in the removing the erroneous inforitems ation which are being posted in my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of student information. This breach clearly violates FERPA and your responsibility to safeguard my information. Given the severity of this breach and the compromise that it has resulted into my personal financial information, I request immediate cancellation and discharge of my student loan debt with Nelnet.

1. Cancellation of Student Loan Debt : Given the unauthorized access and the resulting breach of my privacy rights, I am requesting that my student loan debt be canceled in its entirety. This breach has caused significant distress and has undermined my trust in the management and security of my personal information.

2. Correction of Credit File : I am also requesting that any negative impact on my credit file resulting from this breach be corrected immediately. My credit file should reflect the cancellation of my student loan debt, and any related inaccuracies should be promptly removed.

Please consider this letter as a formal complaint under FERPA and other relevant privacy laws. I expect a written response within 30 days to address my concerns and detail the actions your office will take to rectify this situation. 
I appreciate your prompt attention to this matter and look forward to your swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received and closely studied a copy of my credit report. To my dismay, it seems as though XXXX/pypl is reporting an alleged Inquiry for date of service XX/XX/2019 that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I went to XXXX  to purchase a washer and dryer set. The set was suppose to be financed through XXXX XXXX. I never received my merchandise because XXXX  filed bankruptcy and has closed down and was advise that I will not receive the merchandise. I never made payments to XXXX XXXX and requested refund of my down payment. for merchandise I never received. I was promised my refund would be granted and account would be closed that this was no effect to my credit. This is reporting {$3500.00} on my credit. They kept avoiding my calls and giving me a run around. 

XX/XX/XXXX sent credit bureau letter disputing. XXXX, XXXX  and Experian has refused to remove from my credit. 


XX/XX/XXXX sent method of verification -no response from credit buruea
Product: Debt collection

I sent NCS MANY debt verification letters and never no response. I wrote to them so many different times and again, never no response.

I wrote this company via certified mail It seems to me that they struggle to show verification that this is supposedly my debt.

Sometimes this account will be removed from my collections but weeks later it will suddenly appear. This company completely ignores me.

It is almost like it is impossible for them to show me an original contract with my wet signature to prove that this debt is supposedly mine. This is defamation of character, and I am trying to buy a house so this little shenanigans is holding me back.
Product: Credit card or prepaid card

Tried to get a credit card to help my credit was not approved but capital one dinged my score which I have been working on very hard to repair over the last year. There was no statement saying that if they deny you they will ding you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sought out the services of Accredited Debt Relief for their debt consolidation services. Upon signing up I had a total of around {$7000.00} in debt that would be enrolled with Beyond Credit. They pulled my credit report prior to enrolling. AFTER enrollment it was mentioned within a long email that it would take 4-6 months for them to begin paying out ... I called Beyond Credit and was then informed, after they took my money, that it was a settlement service to pay out 50-55 % of what I owe yet in my contract they are charging me for the full amounts to each creditor plus enrollment fees of approximately $ XXXX and service fees of $ XXXX. I am demanding a refund of the money I paid to them and would like them to remedy the fact they completely mislead me into which services I was given. It was deceptive and predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX Compliant Numbers were resolved acknowledging that Rent Recovery Solutions and Rent Recovery Solutions XXXX would be removed from my credit report completely. XXXX still remains on XXXX when it should have been removed. I have reached out to XXXX  no response concerning this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report, I noticed accounts that do not belong to me. These accounts were placed on my credit report without notifying me 5 days before placing th accounts on my report. I have asked Equifax to send me copies of an original contract or bill showing my name, address, and signature. Equifax still has not provided this information for the accounts listed below XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collections
Product: Debt collection

I have been paying on a student loan from XXXX XXXX XXXX XXXX for 28 years. I have records of all my payments which totals {$57000.00} The original loan was {$17000.00} onXX/XX/XXXX1991.
They say that I still owe {$38000.00}.
They are going to take my tax refund and garnish my wages very soon if action is not taken.
I have repeatedly written letters, applied for XXXX  Forgiveness with no results.
They have turned the loan over to a collection agency ; Performant Recovery Inc. which I have also written and received the same reply, that I still owe the money in question.
PLEASE HELP!!!
Product: Credit card or prepaid card

I am Reaching out needing assistance because I have not received any help from Best Buys or the credit card company Citibank. I Opened the card for a laptop to study with a promotion of 12 months zero interest. I been making payments and none of my payments of 12 months has gone to the original purchase my promotions ends in two days. All the payments Ive ever made have been gone to other purchases. Im barely finding this out. Its been about a month that I have been trying to get help to fix this to have my payments that I have made go to the promotion so it doesnt affect my credit. I have called the bank. I have spoken with the store with multiple managers and Ive been hung up on by the bank I been told different things and getting route it to people from different countries that unfortunately I can not understand and will not help me. I have been trying to make a payment so the promotion will be paid off and all the other payments get applied to the original purchase but nobody will fix this for me. Theres no way to do it online or on the phone or in person at the store. I need assistance because this is going to affect my credit and cost me more money. Please contact me if you have any other questions and thank you for the help.
Product: Money transfer, virtual currency, or money service

ALL monies that I reported to be returned and transactions from a scammer ( $ XXXX ) with access to my cashapp account and phone at the time. I was sick and XXXX  in and out the hospital XXXX  I gave up reporting when I couldn't get and resolve from cashapp to investigate. 
My cashapp account is $ XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX Remove late payments from XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  acct # XXXX Remove late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX  acct # XXXX Remove Late Payments from XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Payday loan, title loan, or personal loan

This account has been paid off through a collection agency. XXXX XXXX still has not updated my report and it is damaging my credit report. 


Account Info Account number XXXX Account status. 
Closed Date opened XX/XX/XXXX Account type Unsecured Loan Balance on XX/XX/XXXX Loan Amount {$1300.00}
Product: Mortgage

The mortgage company did an escrow analysis in XXXX of 2015 on my mortgage and raised my escrow requirement. They did not notify us that they had changed the amount due for escrow in XXXX of 2015. We continued to send the original amount for the loan. the mortgage company would not process the payment because to them it did not meet the required amount. We discovered in XXXX 2015 that they were not covering the payments. We immediately contacted the company and they informed us that they had changed the escrow and the we were considered behind in our payments. We made up the differences in the account and thought we were good. They then sent an inspection on the house and charged us {$20.00} for that without notifying us that they did the inspection. We ended up paying them by check over the phone just to make sure the entire payment was caught up. It seems like they should not be raising the escrow anyway. We have owned the house for over 27 years and have not missed a payment. Now they have hurt my credit and caused us anxiety over their inability to communicate and their requirement for escrow above what is required for our home.
Product: Debt collection

This company is harassing me, they put a wrong debt on my credit history. 
Compliance Department Fair Collections & Outsourcing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I paid everything and I moved out, I fullfilled the obligations in a contract. They are trying to collect something that I dont owe!
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and concern regarding the apparent stall tactics employed by your agency in response to my legitimate disputes under the Fair Credit Reporting Act ( FCRA ), specifically governed by Section XXXX. 

Over the past several weeks, I have submitted dispute letters concerning inaccurate information on my credit report. To my dismay, your agency has repeatedly responded by requesting additional proof of identity, despite my inclusion of a copy of my driver 's license and a recent utility bill with each dispute letter. This pattern of behavior raises serious concerns about compliance with FCRA regulations, specifically XXXX XXXX, which mandates a reasonable and timely reinvestigation of disputed information. 

It is essential to highlight that the FCRA explicitly requires credit reporting agencies to conduct a reasonable reinvestigation within 30 days of receiving notice of a dispute. This reinvestigation is to determine the accuracy of the disputed information and to record the current status of the information or delete the item from the file if inaccurate. 

Given that the XXXX timeframe has elapsed without a resolution, I must insist on a prompt deletion of the accounts in dispute. The persistent delays not only hinder my ability to secure accurate credit information but may also be interpreted as a violation of the FCRA. 

The constant requests for proof of identity beyond what is reasonably necessary not only appear to be in violation of the FCRA but also contradict the guidance provided by the Consumer Financial Protection Bureau ( CFPB ). The CFPB, in its report on credit reporting agencies, emphasizes the importance of efficient and fair dispute resolution processes, aiming to provide consumers with accurate and up-to-date credit information. 

Moreover, the cases of XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, serve as legal precedents that underscore the obligation of credit reporting agencies to promptly and thoroughly investigate consumer disputes under the FCRA. These cases highlight the importance of compliance with the law and ensuring that disputes are handled in a timely and reasonable manner. 

I kindly request that the XXXX XXXX XXXX conducts a comprehensive and expedited reinvestigation into the disputes I have raised, taking into consideration the information previously provided. Delays in resolving these matters not only hinder my ability to secure accurate credit information but may also be interpreted as a violation of the FCRA. 

I expect your agency to adhere to its legal obligations under the FCRA and promptly provide me with a detailed response outlining the results of the reinvestigation. Furthermore, due to the elapsed XXXX timeframe, I demand the immediate deletion of the accounts in dispute from my credit report. 

Failure to comply with these requests may compel me to escalate this matter further, including filing a complaint with the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. I anticipate a swift and satisfactory resolution.