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

XXXX HOW IS THIS ACCOUNT 150 DAYS LATE AFTER CHARGE OFF? Upon viewing my credit reports I noticed account TARGET/TD had a discrepancy in the DATE OPENED & DATE OF LAST ACTIVITY section of the listing XXXX and Experian are reporting different dates. Date open on XXXX report says XX/XX/XXXX but on Experian it says XX/XX/XXXX. Also, on the date of last activity it also has different dates, XXXX says XX/XX/XXXX and Experian says XX/XX/XXXX. If this is the same account, reported by the same creditor how are these dates different? Additionally, the HIGH BALANCE says {$810.00} on XXXX but on Experian say {$0.00}, which balance is it {$0.00} or {$810.00}? Lastly, Experian pay history does not meet FCRA regulations. How is it possible to be 150 days late after an account has already been charged off? Look at Experian pay history of XX/XX/XXXX!!!! Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please DELETE this item immediately. 


the statement above was a list of factual reason why the account in question should have been removed but Experian replied with the account being verified. I feel they didn't do a real investigation and is in violation of FCRA regulations.
Product: Mortgage

National Star returned XXXX of my payments. The payments are for the correct amount. However, they want me to continue to pay for their insurance policy. The funds that are sent to cover my current, active, insurance policy are n't being applied. Instead they are being utilized to cover the insurance preferred by National Star. Further, National Star Bank continuously, refused to honor my request to cancel their insurance. They are trying to force me to pay for both. I indicated, several times, that I did not want to utilize their insurance company. National Star stated that I have to pay on their insurance and my insurance company payments will be an additional payment and held in escrow. I did not agree to pay for both, especially their 's, policies. Also, they keep reporting me late to the credit bureau and I am suffering from their poor decision making and torpid policies. They should not retrurn my payments.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a serious matter involving XXXX XXXX XXXX and XXXX XXXX XXXX. It has come to my attention that my personal information was unlawfully sold to XXXX XXXX XXXX by XXXX XXXX XXXX, a flagrant breach of consumer rights and privacy laws. 

Moreover, I have been subjected to harassment calls, which constitutes another violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), I am invoking my rights to demand an immediate cessation of all collection activities pertaining to the account associated with XXXX XXXX XXXX Account # XXXX. This encompasses any form of communication or reporting of this account to consumer reporting agencies. 

Furthermore, I wish to underscore that any attempt to involve attorneys in this matter would compound the violations of my rights under the FDCPA, as delineated in FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ]. It is imperative to recognize that false representation or implication of legal involvement is strictly prohibited under this provision.

Additionally, I am cognizant of my entitlements under the FDCPA 813 [ 15 USC 1692k ], which stipulates damages of {$1000.00} per violation. Therefore, I demand the immediate deletion of the account linked to XXXX XXXX XXXX Account # XXXX, along with a complete cessation of all collection activities. I urge strict compliance with the FDCPA to avoid further legal ramifications. 

Please be informed that failure to comply with this demand within XXXX calendar days will necessitate escalated legal action to safeguard my rights under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017 I contacted all 3 credit bureaus to dispute inaccurate information reporting on my credit report. I supplied them with the accounts in question and it is now XXXX XXXX 2017 and I have not heard from XXXX  or Equifax at all regarding these matters. Additionally, XXXX 's only response to my dispute was to send me a copy of my credit report with nothing to show the outcome of my disputes in question. This is completely unprofessional and a violations of my rights as consumer. This inaccurate information has kept me from obtaining new credit. Please remove it immediately. I have attached each letter that went out to the credit bureaus to this complaint.
Product: Student loan

I am repaying my student loan back accordingly to XXXX/Nelnet, however it shows as XXXX derogatory marks on my credit summary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over XXXX DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at XXXX XXXX accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a hard inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX was pulled in order to put a collection account for delinquent rent from a lease I co-signed in XX/XX/XXXX on my consumer report. Section 604 of the FCRA provides that a consumer reporting agency may furnish a consumer report only for specified permissible purposes. The hard inquiry does not constitute a permissible purpose for XXXX XXXX actions.
Product: Debt collection

I have been contacting this company for about 3 years to dispute this account. I told them time and time again that I indeed had XXXX insurance and they did not bill the correct insurance. I was finally able to get a copy of the proof that i had medical assistance during this time period. Here is the response that Universal Collections sent me " XXXX XXXX indicates in her notes that she had XXXX as her secondary insurance for the Date Of Service in question. She never provided our office with this information prior to this. If that is indeed correct, we request that she provide our office with proof of that insurance for the date of service XXXX/XXXX/2011 and we will expunge this debt from her credit bureau files ''. The point of the matter is that Universal Collections never provided any validation of this debt.
Product: Payday loan, title loan, personal loan, or advance loan

I requested an Installment loan with USAA Loan number XXXX. I am a retired XXXXXXXX XXXX  ; I have been a customer with USAA for over XXXX years. I am not denying that I signed the contract agreement, but with my credit score over XXXX at the time, I just assume, without a doubt, that USAA would not give me such a high interest rate of over XXXX XXXX. My original loan dated XX/XX/XXXX is {$32000.00}, since then I have made payments on time, and even made principal only payments. My balance on the loan as of today is {$31000.00}. There's no way I can pay this loan off, when each month I make a payment of {$680.00}, and USAA pays {$600.00} toward the interest, and {$80.00} toward the principal, and charge {$14.00} daily, and at certain times USAA charge extra daily fees toward the loan that don't suppose to be charge, XXXX occasions, XX/XX/XXXX ( {$44.00} ) XXXX ( {$59.00} ), and XX/XX/XXXX. ( {$44.00} ). I trusted USAA in my financial needs, because they promote that USAA represent the veterans, so I signed the contract agreement with confidence in USAA. This is no way representing veterans, this is a continuous benefit for the USAA, with no way of paying off a loan. It's sad to think of the many veterans that have such a loan as this with USAA.
Product: Credit reporting or other personal consumer reports

My information was leaked in an Equifax data breach which was confirmed by XXXX XXXX XXXX I have disputed this account several times requesting validation of account which the creditor refuses to provide proper documentation. The account is incorrectly being reported as a charge off account with a balance due which is a FCRA violation! The equifax data breach confirmarion numver is : XXXX and the FTC report number is : XXXX
Product: Checking or savings account

I called in this morning to ally bank because my account looked weird and they told me they were closing all my accounts due to the disputes on my account over time, I have gotten horrible service and products from XXXX not everything but I have had to repurchase and return the same merchandise 5 times or more and still get damaged goods and defective stuff not matching the site XXXX doesn't help me in this matter so did disputes for the defective and late merchandise and wasn't informed that they would be closing my accounts and now I'm left with no money, all my money was in ally bank a heads up would have been nice and the manager I spoke to this morning was also very very rude to me and didn't treat me like a customer, I had XXXX XXXX  of money in there and now I'm left with nothing for a week, If I would have known this I would have written a check to take money out of my account but was not sent any notice via electronic means and they said the person in the fraud department wasn't available to talk. This happened one time before when they wouldn't turn my XXXX  back on I waited over a year and they never turned it back on and had to write to get that done too. I'm a very upset customer as they left me stranded with no money until I get paid as I live paycheck to paycheck. I also do have pictures of some of the defective merchandise I had submitted for my dispute if you need this let me know as XXXX was for a package of pens that I have had to buy again XXXX more times to get the wrong item again, I also have the erasers that don't match the website and broken products. If this will help me. I will attach some of the pictures form my disputes filed, Like I told the bank I also order these ice packs XXXX time and they all came this way like the picture, The XXXX of the erasers was for originally being late but they weren't as described by the website but when I contacted the merchant they were no help as always Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting, regarding the entry being reported under XXXX XXXX. 

By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX substantiating their claims! Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).  Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I will have no other choice to File a small Claims Lawsuit against you and XXXX XXXX XXXX! I have maintained careful records of your actions as well as XXXX XXXX XXXX! Im a victim of fraud and Im trying to get to the bottom of things and you have failed to provide me with help! 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

More specifically, I am referencing the fact that you are reporting an incorrect high balance, incorrect account number, incorrect name, an updated late pay, missing payment history of payments made before and after charge off, inaccurate date of last activity, an incorrect original credit limit, a late pay after account was closed, charge off listed as OPEN a collection account with a limit! 


Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 

I will be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

The following account listed on my credit report are not mine and was not authorized by me : XXXX  ... .Account number XXXX
Product: Mortgage

I have my mortgage open with XXXX XXXX initially then the mortgage got sold to XXXX XXXX then XXXX being sold it there was a mess up for for updating my payment schedule from one bank in another meanwhile I was trying to reach out to the bankers I was getting transferred to different lenders during that time I was in a car accident so I had hardship with my income called Ocwen bank and requested the loan modification their team told me dont way you would qualify as you need to be behind on your mortgage and then I follow their instructions I offered to make a full because I was getting lettuce that I was behind the case manager told me if you make the payment you will not qualify for a loan modification so come to find out they denied my loan modification and they wanted me to pay all the past two payments while I was in a hardship due to my car accident I asked him to why are you not helping me the answer was that you called and I spoke to someone else and offered to make payments so for that reason we can not do loan modification for you and now your credit its gotten so bad were unable to help you so were gon na have to either foreclose your house or you just Got ta make big payments to get caught up and at that time I had no choice but save my family my kids to stay in the house meanwhile I had sent them several letters to remove the leads of my mortgage they refused to do so they offered if I paid him {$2000.00} for one of their credit repair people then they can remove the late which I thought it was completely legal I believe Ocwen bank Its completely fraud themselves meanwhile the room my credit and I need help I am trying to buy a house right now and theyre late payment on my credit stopping to move forward with my life please help thank you
Product: Credit reporting or other personal consumer reports

MY IDENTITY WAS STOLEN AND THE CRIMINAL WENT ON A SHOPPING SPREE. 
PURSUANT FCRA USC 1970 requires consumer reporting agencies ( CRAs ) to report consumer credit information accurately, fairly, and in a timely manner THROUGH FCRA 15 USC 1681 A-N Definition Exclusions of Contract and XXXX Liability for Willful Noncompliance. THIS INFORMATION SHOULD NOT APPEAR ON CONSUMER REPORTS. IT IS ILLEGAL. BLOCK, erase, and discharge the line of credit and transactions/experiences that show late payments, payment history, utilization, mixture of credit, length of credit history, new credit. These shall be excluded on consumer reports DUE TO IDENTITY THEFT AND FCRA.
Product: Checking or savings account

I did a mobile deposit of a check for {$7500.00} from California 's Clean Vehicle Rebate Project on XX/XX/, but Chase put a hold on it and told me it would not be available until XX/XX/. That's 9 days that I have to wait without any access to the fund!
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated my student loans with XXXX and DEPT OF ED/AIDVANTAGE on or about XX/XX/XXXX. I was in forbearance at that time and had been in forbearance every year since XXXX. I was also a full-time student pursuing my XXXX XXXX. However, both XXXX and DEPT OF ED/AIDVANTAGE have been reporting my student loans as " LATE PAYMENTS ''. They refused to report my account accurately to the credit bureaus, specifically, XXXX, XXXX, and XXXX. My account has NEVER been late or in any derogatory status since I was both in-school and forbearance. Please remove these inaccuracies from all three ( 3 ) credit bureau reports.
Product: Debt collection

Dear Midland credit management, account # XXXX This letter is a formal demand that you immediately cease and desist all communications with me in any form, including but not limited to reporting or updating any information to my credit reports. Reporting to credit bureaus is considered a form of communication under applicable laws, and I am invoking my rights to end all such contact. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the legal right to demand that you cease all communication with me regarding the alleged debt. This demand includes, but is not limited to, phone calls, letters, emails, or any electronic or physical means, as well as indirect communications through credit reporting. Your continued reporting to credit bureaus constitutes an attempt to communicate regarding the alleged debt and violates my explicit request for no further contact. If you fail to comply with this request, I will have no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and any applicable state agencies. I also request that you confirm in writing within ten ( 10 ) business days that : You will cease and desist all communications with me, including credit reporting or updating existing credit entries. You will not sell, transfer, or assign this alleged debt to any other entity for collection purposes or further reporting. Failure to comply with this demand will leave me no choice but to escalate this matter further. Additionally, I reserve the right to seek damages for any violations of the FDCPA or other applicable laws. Thank you for your prompt attention to this matter.
Product: Checking or savings account

I closed my account XX/XX/2020 and was told I would receive my check for balance in the account {>= $1,000,000} within 30 days. A couple days later I received email asking for me to provide source of my income. I provide the source of my income thru invoices which was stated in the email that I could use. I later get another email asking me to provide copy of my licences front/back as well as copy of utility bill in my name to verify my address. I provided the information thru email. Then I later recieve another email asking for XXXX and I provided that as well. I also received email XX/XX/2020 that I would receive my funds within 3 to 5 business days thru express mail. 3 hours later I received another email stating there was a hold placed on my account. On XX/XX/2020 I received email stating my account was closed. I don't know how because I closed the account on XX/XX/2020 and I also have the email that was sent to me stating I closed the account XX/XX/2020. I have been getting the run around about my money. Bank states I broke policy 9 which there's no policy to be broken in the section. The policy states that the bank reserves the right to keep any remaining balance thats {$1.00} or less left in the account. I have {>= $1,000,000} left in the account I closed. Well over the balance they allowed to keep. I have all emails that was sent to me at one point or another stating my check will be mailed out on this day. I have one email that says my check was being mailed out on XX/XX/2020. I also have email XX/XX/2020 that states I will receive my check within 3 to 5 business days. It all boils down to I was asked for documents, and those same documents I sent thru email to the bank. I did what was asked of me. It also states in section 9 that I must request that the remaining balance be sent to me. I did that as well and for no reason at all the bank still has my funds in there account. I have all emails I sent as well as all emails I received from the bank. All documents as well.
Product: Credit reporting or other personal consumer reports

I received notice that your bureau verified certain items on my credit report from the following companies : XXXX. XXXXXXXX XXXX- XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX- XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 

Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 
XXXX your response within 15 days or delete the trade-lines. 

Best Regards, XXXX XXXX XXXX