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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX | XXXX XX/XX/XXXX Date : XX/XX/XXXX Experian Subject : Incorrect Account Deletion Request CFPB XXXX ID # : XXXX XXXX XXXX # : XXXX Dear Experian, I hereby formally notify you of a dispute regarding the XXXX XXXX XXXX XXXX ( XXXX XXXX account, which has been reported in my credit file under the entity Spectrum. This account must be immediately removed from the credit report under applicable federal and state law. The following are the legal and factual reasons supporting my request : Reasons for Dispute 1. Violation of Debt Validation Process : Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), the collection agency XXXX XXXX was required to cease all debt collection and validation activities until receiving complete verification of the debt, if a request was received within 30 days of receipt of the initial notice. XXXX XXXX to have sent said notice on XX/XX/XXXX and to have received no communication before XX/XX/XXXX. However, this does not justify reporting to Experian without proof of validation. 
2. Lack of Legal Ownership of the Debt : XXXX XXXX has indicated in its response to the CFPB that it is not the owner of the account in question and only acted as an authorized representative of Spectrum. The information reported to Experian was generated without adequate verification by the original creditor, violating the consumer 's right to transparency of information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). 
3. Relevance of Florida Credit Law : Under Florida state law, the statute of limitations on debts limits the period during which a debt may be legally pursued. The account in question was returned to XXXX without any additional validation efforts being made and is outside the applicable reporting time frame. 
Request Since XXXX XXXX has confirmed that the account was returned to Spectrum and that it no longer has any right or authority over the account, immediate removal of any mention of this account from my credit report is requested, pursuant to Section 611 of the FCRA ( 15 U.S.C. 1681i ), which provides a consumer 's right to request removal of inaccurate or unverified information. 
Attached is a copy of the correspondence received by XXXX XXXX through the CFPB, confirming that the account has been closed and returned to the creditor.
Product: Mortgage

I began refinancing my home in  XXXX   XXXX . Prior to closing I received a tax bill from  the County  of  XXXX  for the amount of {$10000.00}. I questioned this an d the County ga ve me a corrected bill for {$2900.00}. I called Shellpoint Mortgage Servicing to question whether they would pay the correct amount. They assured me that prior to closing they would check and pay the correct amount of {$2900.00}. During the closing of my refinance  Shellpoint pai d the {$10000.00}. I had to put more money into the closing to make up the negative. On  XX/XX/XXXX   the County  of  XXXX  paid {$10000.00}, check #  XXXX , to  XXXX  Refunds,  XXXX   XXXX   XXXX ,  XXXX   XXXX  TX  XXXX . I began making calls to Shellpoint in  XXXX   XXXX  questioning where the refund is at and was told to call back in a week or so. On  X/XX/XX  I spoke with an  XXXX   (   XXXX   ) a t Shellpoint and also spoke with her supervisor  XXXX   XXXX  (  XXXX  ). I was told that  XXXX  had sent a large sum of money to Shellpoint with no attached loan numbers and that as soon as they, Shellpoint, could attach the funds with the accounts I would receive my refund. It is now  XXXX   XXXX ,  XXXX  and I have not received my refund.
Product: Credit card or prepaid card

In a statement from The XXXX for XXXX XXXX, it said the balance on my account was {$530.00}. It also stated the payment due date was XXXX XXXX, XXXX. My payment in full of {$530.00} was received on XXXX XXXX, XXXX. The payment was made over XXXX weeks prior to the due date. This should have marked my account closed. 
On the back of every statement from The RoomPlace, there is a section stated " HOW TO AVOID PAYING INTEREST ''. It states : " Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin to charge interest on new purchases made under a Low APR, Equal Payment, or Budget Payment Credit Plan from the date of purchase '' However, The RoomPlace charged a {$3.00} interest charge that is on the XXXX XXXX statement. No explanation was given. In every previous month 's bill, there is an Interest Charge Calculation that shows how the APR is determined. No interest charge calculations were given on the XXXX XXXX bill. 

I opened a piece of mail today XXXX XXXX, XXXX stating I now have a balance of {$53.00}. I checked my credit report and The XXXX has now marked my account delinquent for the previous XXXX months. An error in billing by The XXXX required me to talk to three different people. No error was admitted. They called it a " floating fee '' that showed up. I explained that it was clearly charged as an interest fee after the full amount was paid. The step I am at currently is that the charges are " under dispute. ''
Product: Debt collection

I informed Resurgent Capital Services of the identity theft and I also supplied provided them with an FTC claim that I submitted in regards to their unfair debt practices. Resurgent replied to my legal letter ( s ) by providing me with a letter stating that the debt was closed but in fact they sold or assigned it to XXXX XXXX in XX/XX/2020. XXXX XXXX reported the same account as Resurgent with a different account number. XXXX XXXX  gave no notice as prescribed in the Fair Debt Practices Act. Upon investigating this matter, I was told that there was some kind of glitch in the system of XXXX XXXX  with some jewelry accounts that they had. 

I am beyond annoyed at the semantics, antics and down right disrespect of these collection companies. They are vultures with no moral turpitude!
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXXXX/XX/XXXXXX/XX/year>
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX, XXXX : # 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Every month BOA is charging me a late fee although I make my payment on time. Bank of America is committing fraud every single month!!! I have tried to contact them to resolve they either hang up on me or state the charges are correct although i have proof every single month that i pay on time and they charge me a late fee every single month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is trying to collect on behalf of XXXX   XXXX  for an unknown debt. XXXX XXXX XXXX   has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Product: Debt collection

I tried to reach out to this company about 12 months ago about the debt being incorrect after repeatedly being sent letters from them stating I owed them a higher amount of money than I actually did. I even submitted documentation showing otherwise but they did not fix it. 

I then tried reaching out to them today on XX/XX/2023 to try to get the amount decreased again but was told through email response to a man by the name of XXXX XXXX, that the amount would stay the same. I tried to call to make good on some of the debt and they informed me that they did not take partial payments over the phone, and that XXXX was the only one who could access my account and that I could only speak to him about the issue and that I needed to continue to try to reach him in regards to the issue and that no one else could help me.
Product: Credit reporting or other personal consumer reports

Beginning in XXXX of 2024 I began calling Transunion regarding several inaccurate inquiries on my account. In XXXX, XXXX, and XXXX I sent certified mail including my identification, a police complaint, a copy of my SSN card, proof of address, and identified the unauthorized inquiries on report PLUS, an account that is reporting inaccurately as well. On XX/XX/XXXX I called to follow up on my submissions and when I provided proof via the confirmation of certified mail sent, a Transunion representative hung up the phone on me. According to the FCRA, when consumers dispute inaccuracies on their credit reports, CRAs and information furnishers are legally required to investigate within 30 days. Transunion has failed to comply with this law by continuing to take the stance that 1. the items were not received by them, 2. failing to furnish proof of research and a response from the alleged creditor ( s ), 3. failing to remove these items as requested upon receipt of proof that these were unauthorized actions. I have been a victim of identity theft and received notifications of my data being exposed in several credit breaches. I urge you to follow up and assist with the issues I am facing attempting to garner results from Transunion.
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 XXXX XXXX XXXX. 
XXXX card : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any 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

I am writing to formally request an investigation into XXXX XXXX XXXX regarding account # XXXX. I require a complete Audit Trail of this account, as well as verification of the debt in accordance with Generally Accepted Accounting Principles ( GAAP ) and International Financial Reporting Standards ( IFRS ). Additionally, I request a copy of your Tax Registration certificate. 

Details of the Complaint : Inability or failure to substantiate the claim by XXXX XXXX XXXX will require the account # XXXX to be recorded as paid in full/settled, and the reporting of this account to all Credit Reporting Agencies and Data Furnishers must be eradicated immediately.

According to IRS guidelines, even if a Form 1099-C is not received, canceled debt must be reported as gross income. Additionally, the IRS defines a Charge Off as gross or ordinary income, which should not be reported on a consumer report. This renders XXXX XXXX XXXX  reporting of this account inaccurate. 

Under 15 U.S. Code 1681s2, furnishers of information must provide accurate information to consumer reporting agencies. Therefore, I request proof of the 1099-C filed when account # XXXX was charged off/canceled.
Product: Vehicle loan or lease

I did a voluntary Repossession in XX/XX/year> due to covid and loosing my job to afford the payments and repairs. The account is now closed and the car has been sold to somebody else. The balance is still shown on my account and the account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Account # 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 XXXXXXXX XXXX XXXX, XXXX, 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 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported late payments to all 3 credit bureaus ( XXXX, XXXX, and Transunion ) for periods where they were made aware that the signers employers were completely shutdown due to the covid national emergency. XXXX reported negatively for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I attempted to rectify this with XXXX and they refused. I also attempted ti rectify this with the all the credit agencies and they completely disregarded the CARES act along with my entire dispute. 

This completely violates my rights under the CARES act : Congress acted by passing the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act or the Act ), billed in part as a comprehensive XXXX relief plan. Recognizing the importance of consumer credit reporting, the CARES Act included provisions which attempt to protect consumer credit if the consumer enters into an accommodation with a furnisher of consumer credit data. An accommodation is an agreement to defer one or more payments, make partial payments, forebear delinquent amounts, modify a loan or contract, or receive any other assistance or relief granted by a creditor, to a consumer affected by XXXX during the covered period. The covered period is the period beginning on XX/XX/XXXX and ending 120 days after the national emergency terminates.
Product: Credit reporting or other personal consumer reports

COMENITYBANK/NY & CO Is reporting on my report two seperate times. Also though reporting closed has a balance updated every month. reporting as if account is mine and open.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$660.00} ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX 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

Account number XXXX XXXX  XXXX Its mine. My forgiveness loan is with another company. XXXX XXXX XXXX not XXXX. 

XXXX  account XXXX shouldnt be in my report anymore. XXXX XXXX XXXX is my provider for my loan forgiveness Sears/cbna account XXXX thats not my account a shouldnt be in my credit report Home Depot/cbna account XXXX. I reported the card loss to Home Depot in 2013  along with everything in my wallet. Ive been calling them to make some types of arrangements no response. Please advise!!! 

I need help with this matter. I am a XXXX XXXX XXXX with XXXX kids. Just wants to fix this matter as quick as possible to move forward. 

Best XXXX XXXX
Product: Debt collection

XX/XX/XXXX was my first dispute with the collection agency. I sent a letter XX/XX/XXXX requesting information that proves I owe the debt. I asked for documentation with my signature of the alleged debtor where I promised to pay the original creditor. I asked for a complete payment history on this account, copies of any papers that showed I agreed to pay what they alleged I owe.On XX/XX/XXXX they sent me a validation letter with a generic itemize bill with procedures and charges. They also stated saying that my name and address was correct and the debt belong to me. I sent another letter XX/XX/XXXX stating that they had fail providing me with satisfactory proof and information that I owe this debt. They could not prove I owe this debt and was asked to stop reporting to the credit bureau. I believe the documents that were sent to me is a Hippa violation.
Product: Credit card

In XX/XX/year> someone run a credit check and open a bank of America credit card of XXXX. They took care it ... XXXX XX/XX/year> ... someone run again... .need to file a complaint against bank of America ... this issue never fix..
Product: Debt collection

I received a letter from Hunter Warfield Collection Agency stating that I owe a debt that I do not owe. I sent them a letter in XXXX requesting verification. So far I did not receive a response.
Product: Vehicle loan or lease

XXXX / XXXX / {$9300.00} XXXX XXXX Code XXXX XXXX Correction of billing errors ( XXXX ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  should not be reporting to XXXX  and Experian a collection/chargeoff in the amount of {$1200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I ever in the past had an account with XXXX. This account is fraudulent and needs to immediately be removed from my credit report. I have attached a copy of the Fraud Affidavit I filed for reference. I have contacted XXXX as well as the bureaus to dispute this and get this line item removed however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Product: Mortgage

In XXXX XXXX Borrower obtained XXXX funds in the amount of {$43000.00} from the Florida hardest hit to repay her reverse mortgage arrears. {$39000.00} was applied to the reverse mortgage default and an amount was placed in a set-aside account for future taxes and insurance. In a phone call on XXXX XXXX, XXXX RMS confirmed that {$7000.00} was placed in the set aside. 
Sometime thereafter RMS paid the renewal for Borrower 's insurance policy in the amount of {$3000.00} with funds from the XXXX set-aside. A balance of {$3900.00} was left in the set-aside. In XXXX XXXX Borrower 's property taxes were mailed out by the county property appraiser. On or before XXXX XXXX, XXXX Borrower called RMS and requested that funds from the XXXX set -aside ( {$3900.00} ) be used to pay her property taxes. RMS advised Borrower to submit her request in writing. On XXXX XXXX, XXXX Borrower faxed over the request as instructed and received a fax confirmation that her request was successfully transmitted. On XXXX XXXX, XXXX we called RMS and we were told that the information has not been received and in order for the taxes to be paid Borrower will need to fax another request. The customer service representative " XXXX '' was not helpful and pretty much told Borrower " we did n't receive your request. Too bad. Send another ''. 
Borrower is concerned because if the XXXX funds are not used before a certain date, which is fast approaching, the XXXX set-aside will be applied to her loan balance and will not be used for taxes and insurance as intended. This would be egregious and highly prejudicial to Borrower because she has had to give a mortgage to receive the XXXX funds and if the funds are applied to Borrower 's loan balance, she would not receive the intended benefit of the funds and will likely cause her to fall into default.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not receiving my billing and because of this I have just recently saw that I was late. I called the company and they said we apologize you were in paper billing. I now own business and i never put myself in paper billing, so this is a mistake on their end and I need then to remove that late payments immediately. If you look on the notes they did admit that I was in paper billing and that they had fixed the problem. Remove late payments immediately. I also didnt give them permission to report on my behalf. They are also reporting innaccurate info and none of the XXXX  reporting is the same accross the report. I need this removed asap.