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

I am submitting this claim regarding the business spark credit card account ending in XXXX I have with XXXX  XXXX in regards to the excessive amount of incorrect past due fees, increasing the credit balance thus have been incorrectly reported to the credit bureaus : Transunion, XXXX, XXXX, and XXXX XXXX XXXX. 

The following past due fees were assured to be removed by a supervisor I spoke with in XXXX of XXXX, since the XXXX XXXX dashboard would not let me add any type of payment card to make payment on-time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total amount of late fees that were assured by XXXX  XXXX to be removed : XXXX XXXXXXXX  XXXX has not removed these late fees of {$150.00} and have incorrectly reported two missed payments to Transunion in addition to reporting the wrong balance of XXXX, causing my card to exceed the {$500.00} limit. 

Therefore, I would like the past due fees from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX removed from my account, making my total credit balance- XXXX  I came to this calculation by deducting the past due fees of XXXX from the current incorrect balance of XXXX 
I would also like the interest expense adjusted accordingly. 

I have been trying to resolve this issue for months, each time I am referred to a different XXXX  XXXX representative who assures me this issue will be resolve and I should see this reflected on my credit report within a few business days. 

XXXX XXXX has affected my ability to obtain new credit and has tarnished my personal and business credit reputation on the basis of incorrect information. 

I would like this issue resolved immediately as I feel this is very unfair as XXXX XXXX is at fault. 
Additionally, I have called XXXX XXXX on several occasions to switch credit card types-from the XXXX  XXXXXXXX XXXX XXXX XXXX to the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. Every time I call making this request, I am given the broad answer of " Unfortunately we can not switch your card at this time, because the system will not allow us too '', which does not provide a reasonable explanation to the hard inquiries ran on my credit report and I do not receive any additional information, including by mail, on the reason I could not switch my credit card type. 

Doing business with XXXX XXXX, personally or as a business has been very inconvenient and frustrating to say the least. I hope to shed light on this situation, so others can avoid similar situations.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX ) and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -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 ;
Product: Mortgage

My current lender is Caliber Home Loans. I was contacted by Caliber approximately one year after my mortgage was issued to refinance at a lower rate. It was described as a " no-hassle '' refinance since I was an existing customer. I filled out the refinance application and was contacted by a representative ( XXXX XXXX ). I was prequalified in XX/XX/XXXX. I received a call from an underwriter with regard to an IRS Lien on property I used to own. I informed the underwriter that the Lien had been released and forwarded a copy of the lien release. I was then informed that the release did not cover the dates in question and that they would need to request a subornation from the IRS. This all occurred in October of 2019. I then contacted my refinance representative to get an explanation with regard to my application. This was all a surprise because any lien had not been a problem when I received my mortgage in XXXX because I was on a repayment plan with the IRS and nothing had changed. Mr. XXXX said that he would check on things and get back to me. I also left messages with Mr. XXXX 's supervisor. A few weeks later I received a notice in the mail informing me that " because I voluntarily withdrew '' my application they wanted me to answer a survey about the service I received. THIS WAS CATEGORICALLY UNTRUE. I immediately attempted to contact Mr. XXXX by telephone and e-mail and left a message requesting a response. He did not respond to my e-mail and left a message on my voicemail to call him back about the status of my refinance. That was in XX/XX/XXXX. I have called and e-mailed numerous times with no response. This week ( XX/XX/XXXX ) I sent an e-mail once again requesting an update on the status of my refinance to no avail. I believe that Caliber has engaged in unfair and deceptive trade practices with regard to my loan application and its processing and I am requesting assistance in rectifying the same.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Subject : Formal Dispute & Demand for Deletion of Obsolete Reporting Under FCRA & Metro 2 Compliance Dear Consumer Solutions I am formally disputing the reporting of the following account under 15 U.S.C. 1681c ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance guidelines. This account is obsolete and must be immediately removed from my credit report. 

Disputed Account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed. 

Status Updated : XX/XX/XXXX On Record Since : XXXX Reported Collection Date : XX/XX/XXXX ISSUES WITH REPORTING & LEGAL VIOLATIONS : 1. Obsolete Account Exceeds XXXX Reporting Limit FCRA 1681c ( a ) ( 4 ) mandates that collection accounts can not be reported beyond XXXX years from the original delinquency date. 

The date of delinquency is from XXXX, which means the latest permissible reporting date was in XXXX. Keeping this account on record beyond that period is a clear violation of federal law. 



2. Metro 2 Compliance Violation Improper Collection Reporting Per Metro 2 guidelines, a " Paid, Closed '' account should not have an active " Collection '' status. 

The account is reported as a collection as of XX/XX/XXXX, which misrepresents the true status of the account and creates an unfair negative impact.

3. Failure to Provide Proper Verification Under 15 U.S.C. 1681i ( a ) ( 7 ) The furnisher must provide complete verification records, including the original delinquency date and proof of accuracy.

If they fail to verify this account with complete documentation, per FCRA 1681i ( a ) ( 5 ) ( A ), this account must be permanently deleted.

DEMAND FOR REMOVAL : Under FCRA 1681c ( a ) ( 4 ) & Metro 2 Compliance, I am demanding the immediate removal of this account from my credit file for being obsolete and inaccurately reported. If the item can not be fully verified with the correct original delinquency date, it must be deleted immediately under FCRA 1681i ( a ) ( 5 ) ( A ).

DEMAND FOR RESPONSE : You are legally required to respond within 30 days under FCRA 1681i ( a ) ( 1 ). If this account is not removed, I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Report this violation to the Federal Trade Commission ( FTC ) and my State Attorney General.

Pursue legal action for noncompliance and damages under FCRA 1681n & 1681o.

Please send all correspondence regarding this matter to my address above. 

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

EXPERIAN has blatantly caused me reputable and financial harm by claiming to have verified a debt that they never Re investigated. I have proof in the attached screen shot where XXXX XXXX XXXX  refers to me as Ms . I am clearly a male and have attached a copy of my drivers license proving that I am a male in case there is still any confusion. The FCRA says EXPERIAN is supposed to perform a Re investigation to verify an account or they will be found liable for willful non compliance. EXPERIAN lied and said they verified this account when this account belongs to a female and not a male. Therefore it should have been removed from my consumer report when I disputed it for inaccuracy. I will be sending an invoice for the damages suffered as permitted by law.
Product: Vehicle loan or lease

I leased a Honda XXXX from XX/XX/XXXX through XX/XX/XXXX through Honda Financial Services ( HFS ). On XX/XX/XXXX and XX/XX/XXXX, HFS sent me invoices for {$470.00} and {$390.00}, respectively, for XXXX XXXX Taxes. These XXXX tax invoices were the only property tax bills that HFS ever sent to me during the time of the lease. When I purchased the car in XXXX of XXXX, I had to pay HFS the property tax in order for them to release my title. 

After contacting XXXX XXXX, I was informed that property tax is not charged on personal use vehicles, but is charged to leasing companies, unless they provide an affidavit from the lessee that the vehicle is being used for personal use. The XXXX XXXX representative told me that when an affidavit is completed and submitted by the leasing company prior to XXXX of each year, property tax will not be charged in XXXX of that year. 

Prior to XX/XX/XXXX, HFS had never sent a XXXX XXXX property tax affidavit for completion nor ever indicated that one was due. Since I have no way of knowing that the leasing company is paying a tax or that an affidavit is due indicating the property is being used for personal purposes ( without notification from HFS ), I should not be responsible for paying this tax. Since HFS never timely contacted asking for an affidavit, I should not be responsible for any taxes due. 

Consequently, due to HFSs lack of timely notification, HFS should be responsible for the tax and refund the tax of {$870.00} that it required me to pay to release title to my car when I purchased the vehicle in XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, FIRSTPOINT COLL RESOURCES INC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA FIRSTPOINT COLL RESOURCES INC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Debt collection

My servicer has failed to provide accurate information regarding my loan balance and payment options. 
I have been subjected to aggressive or inappropriate collection tactics. 
My requests for income-driven repayment or loan forgiveness have been mishandled or ignored. 
I am disputing the validity of the debt but have received no meaningful response to my dispute. 
Steps I Have Taken : [ Explain any actions youve taken, such as contacting your servicer, sending a dispute letter, or requesting clarification. ] I contacted [ Loan Servicer/Debt Collector ] on [ Date ] via [ email/phone/mail ] but did not receive an adequate response. 
I submitted a formal dispute on [ Date ] and have attached supporting documents, including correspondence and payment records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX with Equifax on multiple occasions. I also disputed again on XX/XX/XXXX. XXXX is paid off and Equifax has it as a derogatory mark and it should be paid status. This XXXX is against compliance and Equifax is also against compliance. This will be my last compliant filed before I sue for not following FCRA laws.
Product: Debt collection

this debt collection company has placed on my credit reports that I owe {$2400.00} to XXXX XXXX. Ever since I canceled with XXXX XXXX the statements I received stated the debt as {$1900.00} which is {$480.00} less than what this debt collection agency has posted to my credit reports. The amount they are trying to collect is inaccurate.
Product: Debt collection

Collections appeared on my credit report that I was not familiar with. I look into it and I realize I never gotten written notice about this collection nor has anybody reached out to me via phone. I called this collections agency and asked them to send me over information to verify the debt and also proof of wax signature and they didnt do that either.
Product: Money transfer, virtual currency, or money service

I received an email claiming I owed speedy cash XXXX. I have never used this company before but have applied to them recently and was denied. This email is threatening me and stating to send XXXX now or else they won't help me out. They even have a case number. That number is XXXX. There is no header on the email and the phrasing is off. I will save email in case it's needed
Product: Debt collection

Today, XX/XX/28, I spoke with XXXX from Transworld, who advised that he is the director. XXXX advises me that he has the authority to extend a payment agreement, but that I would have to send proof that I am awaiting a withdrawal check in the mail. He threatened that he will report this to my credit if he feels that I am lying. After multiple calls with XXXX and feeling pressured and threatened ( by advising that they WILL report to my credit and not grant me time to pay ), I paid the balance using funds that were not meant to be used on this debt. I and my mother have been harassed by this company. I was advised on one call that they reviewed my mothers assets and that she could pay for me, instead of listening to me advising that I had the money, but needed a few days to wait for a check that I was expecting due to a withdrawal that I made in order to pay this debt. The first time I spoke with this company, I was advised by XXXX XXXX that I should not be calling unless you are paying now. This was after I received notice from my mother about this debt and was calling for information because this company never contacted me. XXXX also advise me that he is not here to help the consumer get whats best for them, but to help my client get whats best for them. I dont have to work with you. I have a monthly quota to meet. This has been a very stressful week of dealing with this company.
Product: Credit card or prepaid card

I 've tried making my payment this month on due date the XX/XX/XXXX, no payments get through, you ca n't reach a live person says system updating, I 've called several times the last few days with no luck. Is something going on? I should not be charged late fee. I 've even tried getting online and says Same thing system updating can not look at any information. I 'm worried about how this will affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to XXXX, experian and XXXX, these agencies are showing previously deleted Late payments from XX/XX/2022. These inaccurate payments have now reappeared on my current credit reports. This A direct violation of the law below ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

Also, reporting from the same account inaccurately credit utilization, payment status and worst delinquency categories across all 3 agencies from my " XXXX XXXX '' account. 

*XXXX  is reporting A balance of {$460.00} and utilization of 50 %. 
*XXXX  is reporting A balance of {$350.00} and utilization of 45 %. 
*Experian is reporting A Balance of {$450.00} and utilization of 57 %. 
This type of reporting directly violates the law below, 15 U.S. Code 1681e - Compliance procedures ( 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.
Product: Credit reporting or other personal consumer reports

XXXX has reported that the account was written off on my credit report. I was not sent a 1099c. If the account was written off to the IRS than the company was reimbursed. Therefore this is now personal income to me. Account Number XXXX @ was charged off on my credit report. If the item is not yet charged off than remove this item from my credit report. If XXXX XXXX fails to remove this from my credit file, XXXX XXXX is creating an act of fraud and should investigated.
Product: Debt collection

they were rejecting my payment, and then overcollecting payments asking for a XXXX dollar payment, when it was just supposed to be XXXX, they were also trying to skim XXXX off my payment " punishing '' me for paying, they wanted me to pay another way besides money. They rejected the money I had, then I don't have enough now because they charged me for late fees, etc. and just manipulating themselves out of business.
Product: Debt collection

This is now the eighth time I am reaching out about this same issue. There is a remaining balance on the credit card that DISCOVER closed because I had filed a dispute for identity theft against them. Remove and delete the remaining balance. There was no reason to close the card as I had exceptional and on time payments on the card for two years. As a result, I got cut off from credit that I had been using to make several everyday payments that I was no longer able to make because my credit card was closed. Because every extension of credit originates from my social security, also known as my open end credit plan, I am the original creditor of every extension of credit and debt obligation. Therefore, I am deferring the debt back to DISCOVER who is misrepresenting me, the original creditor. DISCOVER claiming that they are the original creditor is abusive, deceptive, and misrepresents me as a natural person and the original creditor who is giving DISCOVER life as a corporation. Pursuant to 15 U.S. Code 1692, " means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. '' Pursuant to 15 U.S. Code 1692a, " The term 'debt ' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. '' Notice, debt is an " alleged '' obligation. To " allege '' means to claim as true with or without proof. Pursuant to 15 U.S. Code 1692a, " The term 'consumer ' means any natural person obligated or allegedly obligated to pay. '' Again, as my social security is where all credit extensions and debt obligations originate, I am the original creditor. I am now deferring the debt back to DISCOVER. Pursuant to 15 U.S. Code 1692k, " Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; '' As DISCOVER has violated me, deceived, and abused me as a consumer, original creditor, and natural person, they are liable to compensate me for the violations made. Congress protects me under these laws as a natural person against corporations who abuse consumers like DISCOVER. Please remove the remaining balance from my account, report positively to consumer reporting agencies about the deleted debt, and compensate me in an amount equal to the sum of damages done to me.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were made without my consent or knowledge and without my direct authorization and signature and therefore I want to have them removed from my credit as soon as possible : XXXXXXXX XXXX XXXX XXXXXX/XX/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

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX Balance : {$4100.00}