23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear XXXX, Re : Account # [ XXXX ] Consumer : XXXX XXXX XXXX I am writing to dispute the inaccurate and unlawful reporting of a collection account under my name, XXXX XXXX XXXX. The account in question is being reported with inconsistent and erroneous information, specifically indicating late payment dates on a collection account. Such reporting is not only misleading but is also a violation of federal consumer protection laws. 

Please take note of the following violations under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws : 1. **Violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ) ** : Under the FCRA, furnishers of information, such as XXXX XXXX XXXX XXXX XXXX required to ensure that the information they provide to credit reporting agencies is accurate and complete. Reporting late payments on a collection account is inaccurate and misleading, as the nature of a collection account inherently implies that the debt is in default and no further late payments should be reported. The reporting of late payments in this context violates the FCRA 's mandate for accuracy in consumer credit reports. 

2. **Inconsistent Reporting and Misrepresentation Violation of FCRA Section 605 ( 15 U.S.C. 1681c ) ** : The law mandates that information reported on consumer credit reports must not only be accurate but must not misrepresent the status of the debt. The presence of late payment dates on a collection account misrepresents the nature of the account and its history, which is a violation of the FCRA. Inconsistent information like this creates confusion and damages the consumers credit standing, which is unlawful. 

3. **Noncompliance with Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 15 U.S.C. 1692e ) ** : The reporting of incorrect information, such as late payment days on a collection account, is also a violation of the FDCPAs prohibition against false or misleading representations. Credit reporting agencies, such as XXXX, must ensure that the information they are displaying complies with both the FDCPA and FCRA. 

As a result of these violations, I am formally requesting that you : - Immediately remove any and all incorrect late payment information from my credit report. 
- Ensure that this collection account is deleted entirely from my report if XXXX XXXX XXXX can not verify the information 's accuracy within the statutory 30-day period allowed under the FCRA. 

I trust that XXXX will take this matter seriously and resolve it promptly. Please provide written confirmation of the steps taken to correct this error within the 30-day investigation period. 

Failure to comply with this request will leave me no choice but to pursue all available legal remedies, including statutory damages, legal fees, and injunctive relief as provided by the FCRA and FDCPA. 

Thank you for your attention to this matter. I expect prompt action to resolve these inaccuracies. 

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

XXXX Equifax and XXXX have been reporting inquiries that I do not give permission for these companies to report on my file. thats fraud, identity theft, and a violation of the privacy act of XXXX the CRAs are in direct violation of federal law to report these inquiries. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX PL XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : $ XXXX {$4300.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : $ XXXX {$6000.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : $ XXXX $ XXXX {$3800.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : {$6000.00} ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME : XXXX  XXXX XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX  XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

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 CRSA CDIA Metro 2 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.

According to 15 USC 168i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 USC 1681s-2 ( A ) ( 1 ) ( E ) ( ii ) ( ii ) Banking agencies ( I ) In general If a financial institution is supervised by a Federal banking agency, the financial institution shall seek written approval concerning the terms and conditions of the loan rehabilitation program described in clause ( i ) from the appropriate Federal banking agency.

( II ) Feedback An appropriate Federal banking agency shall provide feedback to a financial institution within 120 days of a request for approval under subclause ( I ).
Product: Debt collection

XXXX XXXX XXXX XXXX of XXXX, IL - Services were used on XX/XX/XXXX when I had an XXXX. Claim was submitted through my insurance, XXXX. Claim was paid via my health spending account provider 's website, XXXX XXXX. XXXX XXXX shows that payment cleared XXXX XXXX 's bank on XX/XX/XXXX. 

I received a letter from a collection agency, Consumer Collection Management Inc.,  in XX/XX/XXXX. XXXX XXXX claimed that they never received payment for XX/XX/XXXX services. My health spending account provider, XXXX XXXX, shows payment cleared their bank on XX/XX/XXXX. Since XXXX, I've placed numerous calls to XXXX XXXX, Consumer Collection Management and XXXX XXXX trying to resolve the issue. 

On XX/XX/XXXX, I had XXXX where XXXX XXXX 's services were used again. At this point, I am still working with them to resolve the issue with the payment I made in XX/XX/XXXX. XXXX XXXX has not 'found ' the payment. In XXXX they 'found ' the payment owed from XX/XX/XXXX but applied part of it to the XX/XX/XXXX claim and part to the XX/XX/XXXX claim. 

By applying partial payment to the XX/XX/XXXX claim, this left me in collections for {$49.00}. When I called them about applying a XX/XX/XXXX payment to a XX/XX/XXXX claim, they admitted that they applied part of the XX/XX/XXXX payment to the XX/XX/XXXX service. This is quite interesting because a claim had not yet been submitted to XXXX for the XX/XX/XXXX charge. I wonder how they could possibly know how much to apply for the service when it had not gone through my insurance? 

I received an invoice for {$49.00} for XX/XX/XXXX services, but yet the charges still had not been submitted to XXXX. When I called XXXX XXXX, I was told to ignore the invoice. In the meantime, I am still waiting for them to submit a claim to XXXX  for XX/XX/XXXX services and I am still in collections for a claim that I paid within 30 days of the billing last year. 

I know this is a rambling, confusing ordeal but beware of XXXX XXXX 's accounting practices. My credit rating has gone from Excellent credit to just Good.
Product: Mortgage

My name is XXXX XXXX. Flagstar has been my mortgage lender since XXXX. 
As of last month, I requested a payoff statement, which I received good through XX/XX/XXXX, in the amount of {$80000.00}. 

On XX/XX/XXXX, I had my bank wire the full amount. This morning, that same amount was redeposited back to my checking. 
It appears the payoff statement did not include the upcoming insurance premium that was paid 5 days after the payoff quote date. 

Flagstar Bank rejected an XXXX payment because of a negative {$260.00} balance caused by the insurance / escrow short payment. 

So. I am out {$25.00} for the cost of the wire transfer ( and another {$25.00} to resend a XXXX wire ) ; and then the new payoff that has been quoted today is approximately {$420.00} more. 

I am appalled that a financial institution would bilk a good paying customer for pennies! 

I made a {$150000.00} payment in XXXX, and then paid another {$80000.00} per their payoff statement only to have THE PAYMENT BE REJECTED IN WHOLE! 

Why did they not at least post my payment to the account? I was told procedure has it that if a payoff balance has been quoted, and the incoming payment does not match that of the current amount due when WIRE is received, it is to be rejected. 

I spoke with multiple people and each one gave me a different explanation as to why they didn't even accept the payment. My complaint was escalated to a supervisor ( who refused to give me her last name ; first name XXXX ). Very frustrating having a supervisor treat me as if I were not worth her time, nor to assist to correct their error. Why did they not include the price of insurance in their payoff quote. Was told it is listed on payoff- which is inaccurate, because what is listed is the current balance of escrow and a note of when next insurance payment is due. In my particular case, the escrow balance was {$1200.00} ; at the time no insurance payment was due. It came due tho, XX/XX/XXXX... 

This is a scam. They issued to me a second payoff quote today, that is now good through XX/XX/XXXX in the amount of {$81000.00}. The first payoff quote was for {$80000.00}. 

I asked them to provide me the payoff quote as of XX/XX/XXXX, and they sent it for XX/XX/XXXX. 
When I asked them to correct the date they advised they could only request XXXX payoff quote per day. I want to have this paid off as of XX/XX/XXXX... 

When I advised them not wanting a payoff quote for XX/XX/XXXX, their response was to make the new payoff quote amount and if any balance remaining after posting to account, they would refund within 20 days by check. 

Does this sound like an up and up deal to you?
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY.

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/2021. I mailed out letters to XXXX, Transunion and XXXX on XX/XX/2021 about inaccurate information and Child Support reporting on my consumer report. I have not received any response and its been over 45 days and thats a Violation. Also, XXXX Transunion, or XXXX also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts after I disputed and they are suppose to enter the notice within 30 days and its been 45 days.
Product: Mortgage

Monthly payments started around at XXXX then Escrow hit and went upto {$1800.00}. Sent in all Escrow payments and they never decrease mintly payments, continue to pay extra from XX/XX/XXXXXXXX  to XX/XX/XXXX. Made several calls and fax letters and no corrections. 
As of XX/XX/XXXXXXXX  Escrow has been paid and they still trying to get more Escrow money out of me. The company : CMG FINANCIAL MORTGAGE has been a problem since they took over my loan and will not get back with me. All representatives that I've spoken to put in escalations but nothing is being done. They owe me n I'm tired of will get back to you and never do or correct the issue.. $ $ $
Product: Credit card or prepaid card

I was charged interest 21 days after paying my balance in full. Capital One Quicksilver.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Equifax has been in violation of furnishing without my written consent as pursuant to 15 U.S.C 1681b. ( a ) ( 2 ) : Congress states a consumer reporting agency can not furnish a account without my written instructions. 
I demand you remove these accounts immediately : DEPT OF EDUCATION/XXXX  XXXX XXXX LOANS XXXX Also, 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. On XXXX of 2017, I purchased a "Used" XXXX Before any purchase or my information was given, I informed the sales associate over 3 times I am approved by XXXX and I will be using XXXX since I have no care to look at any other options.The sales associate informed me I "have" to submit a credit application through XXXX even though I had already created and submitted and was accepted by XXXX and that he "knows what he's doing" since it is the "credit process" that will show XXXX approved me.Even when I submitted, the associate did not for once even show me other options (even though I had no desire to) and simply went through with my purchase.A few days later, I see a few hard inquiries, contacted XXXX for advice, and was informed what they had done should never have occurred and it was without my permission and shared that I should write to the Consumer Financial Protection Bureau to dispute this action that was wrongfully done as I had already received approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$14000.00} XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$7000.00}
Product: Mortgage

I bought the house XX/XX/2020 and paid XXXX XXXX XXXX auto payments from my bank and then it sold to SPS Servicing. XX/XX/2020 was paid to XXXX and it was supposed to be paid to SPS but we didnt know yet. Anyway XXXX says they never got my money and never sent it to SPS and it was paid I have proof from the bank. I have spent hours upon hours trying to get this resolved and still its not. XXXX sent a letter they would fix my credit and credit the payment but never did. My credit is severely affected and I never missed one payment. I need help getting this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Suspicious new credit card account opened in my name. I did not open this account or made any purchases