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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- UNAUTHORIZED INQUIRY 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Called my wife at work after I told them to stop calling me, failed to provide proof of debt, placed their bad information on my credit report therefore damaging my credit, and call repeatedly from various numbers after I have blocked previous numbers. 

The list of things they do goes on and on but this is enough. After searching XXXX, this seems to be a common practice of this company. Also, refused to tell me who they were and why they were calling.
Product: Student loan

Back in  XXXX  my loan was paid in full to  XXXX   XXXX , then in  XXXX  and  XXXX  receive mail that my loan is in default and have transfer to another servicer that they claim I sign off. But they ask me to send them a letter stating my loan has been paid in full, I did. During that time my taxes was garnish and was return back to me. Back in  XXXX  I file bankruptcy due to hardship hv been going through. I call the servicer to let them no my situation that am partial homeless and do n't have a place of my own and stay with different family and friends as allow, I even told them about the student loan have been paid in full, but the insist that I own them a balance, that   XXXX    XXXX  transfer my loan to them. Now my cousin that I was staying with back in  XXXX  told me that I hv mail from student loan. To my surprise my loan has been transfer to perform ant recovery, inc. I contact them and explain my situation but I was told that my servicer  EDUCATIONAL CREDIT MANAGEMENT CORP  IS THE NEW SERVICER. They gave me their phone number, I called them and let them know my situation and told them the loan has been paid in full. They gave me email address of  customerservise@ecmc.org . and  XXXX   XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX ,  XXXX , MN  XXXX . Isent them a brief letter of what am going through and that my loan has been paid in full. I call spoke to different people even spoke to supervisor that okay u will still try to pay them since I ca n't find my paid in full letter because of my homeless situation, I told them I have lost everything, all my document and personal belonging can not be found but instead of the loan servicer giving me problem, I will like to pay them again if they will delay my loan till I found good job. But they refuse that I have to go and work with the collection agency fo r 9month th en my loan will not be in default then they can work with me. I told the I will like to put my loan in defarement they refuse, I have exhurst everything to work with me bcos of my situation but they will not listen to me or even consider m y situation.. Loan servicer. EDUCATIONAL CREDIT MANAGEMENT CORP. My   XXXX     XXXX  loan number is   XXXX    XXXX . The lender fiscal address is  XXXX  south  XXXX   XXXX ,   XXXX     XXXX .  XXXX , MN,  XXXX . Phone number is  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a debt claim made by XXXX XXXX XXXX  regarding an account with the original creditor XXXX XXXX, in the amount of {$270.00}. I believe this debt claim is erroneous and have not been provided with proof of the alleged debt. Under the doctrine of estoppel by silence, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am presuming that no proof of the alleged debt exists, and therefore, the debt itself does not exist. Despite my requests, XXXX XXXX XXXX has not supplied sufficient documentation or evidence to substantiate the debt. As such, I am requesting that this matter be investigated and that appropriate actions be taken to ensure that my rights are protected under the Fair Debt Collection Practices Act ( FDCPA ) Despite their claim, XXXX XXXX XXXX has not fulfilled the requirements to substantiate the alleged debt. Specifically : 1. Lack of Original Contract or Agreement : XXXX XXXX XXXX has not provided a copy of the original contract or agreement that I allegedly signed, which would demonstrate my legal obligation to repay the debt. 2. Insufficient Account History : The documentation provided does not include a detailed account history that shows the transactions, charges, fees, and payments applied to the alleged debt. A full itemization is necessary to verify the validity and amount of the debt. 3. Failure to Provide Proof of Assignment : If XXXX XXXX XXXX is not the original creditor, they have not provided evidence of a legitimate assignment or transfer of the debt that establishes their legal right to collect it. This includes any documentation that demonstrates a proper chain of title from the original creditor to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year and a half I have been trying to correct an erroneous account on my credit report. The account XXXX XXXX is old dating last activity to XX/XX/2011.Every time I attempt to get these 3 bureaus to remove it because the amounts, the status 's and the dates of last activity are all inaccurate and unverified to me after 30 plus days after each of my disputes the deny me and ignore my pleas. Instead of properly and lawfully deleting this account they are constantly changing dates around, statue 's of the account and changing the personal statements noted to the account. I don't understand what sort of investigation they are doing, who and which company they are verifying information with but it is extremely frustrating and damaging to my credit. They are not updating me on the descriptions and procedures taken to verify that it is old. Please enforce the law and have Equifax, XXXX and XXXX follow FCRA laws and guidelines so that I am no longer personally affected by misinformation or inaccuracies.
Product: Mortgage

Hello, I have new mortgage with Wells Fargo. I am planning to pay more towards principal and bring the LTV down to 80 % but Wells Fargo won't waive my escrow account until 24 months later. 

The initial escrow account was around XXXX for 11months of property tax prepaid. My escrow account is over XXXX in only 2months. They're over-collecting money in my escrow account without any interest. I'd rather just to pay LTV down and manage the property tax and insurance payment myself.
Product: Credit card

I've consistently ensured that payments on this account are made promptly, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Debt collection

I received a call from a man who said his name was XXXX & he was calling from American Express. The original phone number he called from is XXXX. I told him I could n't talk when he called me at around XXXX XXXX. on XXXX XXXX, XXXX. He called me back at around XXXX on XXXX XXXX, XXXX. The phone number he gave me to call him back is XXXX. 
He was trying to set up payment arrangements to pay 60 % of my total debt. He then proceeded to tell me I could make a monthly payment of {$35.00} for the next 6 months to pay off my debt. 
He then told me to go to XXXX to get a prepaid card in the amount that I owe. When I get the card, I should call him back & give him the prepaid card number. 
He asked me to verify my mailing address. I asked him what was showing on file & he would n't give me that information. I gave him my mailing address. 
He then told me I could pay the full amount at the following website : XXXX.
Product: Debt collection

The vehicle I was financing related to Hyundai XXXX XXXX was traded into XXXX XXXX XXXX XXXX in XX/XX/year>, the pay off check was sent to Hyundai XXXX XXXX by XXXX and cashed on XX/XX/XXXX account to the bank statement reflecting that date. Since then the amount has not been applied to my lien resulting in delinquency notifications and an issuance of repossession of the vehicle I am no longer in possession of. My new vehicle is financed with XXXX XXXX XXXX XXXX. I have attempted to contact Hyundai XXXX XXXX multiple times to explain I no longer own this vehicle and it was traded into a dealership they are contracted with, however after all this time no contact has been made with me about correcting this error by Hyundai Motor Finance. I have filed disputes with the credit bureaus without any avail and all they have done is updated the amount past due to the greater amounts they believe is still due. The dealership has made a solid attempt to provide all documentation to assist in getting this resolved also with no success internally. I have even made an attempt to reach a member from the executive team from their published websites, one XXXX XXXX XXXX, Vice President, Aftersales and Consumer Experience, Hyundai XXXX XXXX. It has been over 2 weeks dated XX/XX/year> since I sent that email.
Product: Student loan

four years ago discover student loans advertised on their website and those claims were stated by a customer service rep, that co-signers would be released after 18 months-two years of on-time payments. Now they say they made no such claim. 
Can they back out of this? We took the loans under false pretense and information by discover. Please help!
Product: Debt collection

" NEW ISSUE '' STOP MARKING COMPLAINTS AS DUPLICATES. DOCUMENTS ARE BEING ATTACHED AND YOUR NOT RETRIEVING THEM. THIS IS AGAINST THE LAW. PLEASE DOWNLOAD THE ATTACHED DOCUMENTS. I HAVE UPLOADED THEM HERE AT THE CFPB BECAUSE YOUR COMPANY SEEMS TO FOLLOW PARTS OF THE LAW YOU CHOOSE RATHER THEN FOLLOW THE LAW 100 %.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute the collection account referenced above that is currently reported on my credit report. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 USC 1681 ), I am requesting the immediate removal of this collection account for the following reasons : XXXX. Request for Creditor Information ( 15 USC 1692g ( a ) ( 2 ) ) : Pursuant to 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor to whom this debt is allegedly owed. 

XXXX. Request for Amount and Calculation of Debt ( 15 USC 1692g ( a ) ( 1 ) ) : Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting detailed validation of the amount of the alleged debt, including a breakdown of how this amount was calculated. This request is specifically for the validation of the amount of the alleged debt as outlined under 15 USC 1692g ( a ) ( 1 ). 

XXXX. Method of Verification and Reinvestigation Procedure ( 15 USC 1681i ( a ) ( 7 ) ) : Under 15 USC 1681i ( a ) ( 7 ), I am requesting a description of the reinvestigation procedure used to verify the accuracy and completeness of the information reported on my credit report. This should include the business name, address, and if reasonably available, the telephone number of any furnisher of information contacted in connection with this information. This description should be provided within 15 days of receiving this request. 

Enclosed are copies of documents supporting my dispute, including : A copy of my credit report highlighting the collection account in question. 
Any previous correspondence regarding this matter. 
Please initiate an investigation of this dispute and provide me with written confirmation of the removal of this collection account from my credit report. Additionally, please send me a corrected copy of my credit report upon completion of your investigation. 

Details of the Account in Question : Creditor Account # Account Type Balance Date Opened Status Last Reported XXXX  XXXX Collection {$530.00} XX/XX/XXXX Collection/Chargeoff XX/XX/XXXX Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - No. of Months ( terms ) : - High Credit : {$530.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Consumer disputes this account information Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( Experian )
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These companies reporting on my credit report I've never conducted business with, so I made a 605 ( B ) -identity theft complaint and requested the agreement contracts FCRA 15 U.S.C . 1692 and did not receive those documents. 
XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX VIOLATION OF FCRA 609 ( a ) THIS DOES NOT PROVIDE ACCURATE AND NOT CLEAR DISCLOSURE OF ALL INFORMATION IN MY FILE -Unverified Account/ NO CONTRACT 15 U.S.C. 1692 15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice. Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts.

There are also unverified late payments posting on some accounts that according to FCBA 1666b timing of payments, that I never received the period statement 21 days before payment due date.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, This letter serves as formal notice of my rights secured under the Supreme Court ruling in XXXX XXXX Alliant Credit Union ( XX/XX/year> ). The decision mandates the following actions : Transfer of full title to all property I hold or have held under your institution, free and clear of all claims. 
Payment of 120 % of all past payments made under fraudulent agreements as described in XXXX v Alliant Credit Union. 
This ruling is final, and no objections are permitted. Attempts to object or delay will result in stricter enforcement and penalties as outlined by the court. 

Please confirm receipt of this letter and initiate compliance within 30 days. Failure to act will be considered a violation of the courts orders. 

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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX : {$310.00} XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Suntrust Bank XXXX XXXX is reporting inaccurately on my Credit Report,
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : In accordance with the Fair Credit Reporting act, XXXX XXXX / XXXX XXXX has violated my rights. They are reporting a 30 day late payment for the month of XXXX. I have been extremely frustrated with companies due to the constant improper reporting, my flights are constantly being violated and it is causing a major hinderance to my life. 

These companies have 30 days to respond according to the Fair Credit Reporting Act.

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.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

Please update my XXXX XXXX/ XXXX XXXX account to Paid as Agreed, Never Late.
Product: Credit reporting or other personal consumer reports

I have tried multiple times to get XXXX to remove this account that is not mine. They have not resolved the issue. 

This was the notification. 
UNITED AUTO CREDIT CO reported a new account on your XXXX  Credit Report. 
XX/XX/year>. 

The dispute for the account with UNITED AUTO CREDIT CO First dispute was Date Submitted : XX/XX/year>, shortly after I got the notification, that this was added to my report. The second one was on Date Submitted : XX/XX/year>. I also just submitted a 3rd today. Also during this time my credit reports were ALL locked down. 

Not sure what else I can do besides getting a lawyer at this time. Calling the lender does not work. Since you are not that person. Was told to contact law enforcement. 

Thanks