23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Complaint Regarding Settlement Issue with Columbia Debt Recovery Dear CFPB, I am writing to formally submit a complaint regarding the handling of a debt settlement issue with Columbia Debt Recovery, a debt collection agency. I believe their actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and/or Fair Credit Reporting Act ( FCRA ), and I am seeking your assistance in resolving this matter. 

Complaint Details : Debt Origin : XXXX XXXX in the amount of $ XXXX Issue Summary : On XX/XX/XXXX, I contacted XXXX XXXX to negotiate a settlement for the alleged debt. After discussions, I proposed a settlement, but he stated it can only happen when the debt had shown up on my credit report, which it has. which Columbia Debt Recovery failed to provide written confirmation of the terms of a payment structure as required by law. 

My Concerns : Failure to Provide Documentation : Columbia Debt Recovery has not provided a written settlement agreement, which I requested to confirm the terms of our negotiation.
Product: Credit reporting or other personal consumer reports

A 30-day late payment was reported on my credit files by XXXX XXXX XXXX to the national credit bureaus for XX/XX/year>, stemming from an annual fee that was erroneously applied to my account. I requested the immediate removal of this inaccurate information from my credit files in multiple phone calls and in an email to the customer service department. 


Background : Card Issuance : I never received the XXXX XXXX credit card ; thus, no physical card was ever in my possession. 

Account Status : The account was approved, then suspended a couple of weeks after it was approved, and then subsequently closed without any activity or transactions. 

Annual Fee : An annual fee of {$95.00} was applied to the account despite the lack of card issuance and account activity. 

Fee Waiver : In response to my concerns, XXXX XXXX waived the {$95.00} annual fee and additional charges, as confirmed in your communication dated XX/XX/year>. 

Credit Reporting : Despite the fee waiver, a 30-day late payment was reported to the national credit bureaus for XX/XX/year>, based solely on the erroneously applied annual fee. 


Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., furnishers of information to consumer reporting agencies are mandated to report accurate information. Specifically : Accuracy Requirement : The FCRA requires that information provided to consumer reporting agencies be accurate and complete. Reporting a late payment based on an erroneously applied fee violates this requirement. 

Duty to Correct and Update Information : Furnishers must correct and update information that is incomplete or inaccurate. 

Investigation of Disputes : Upon receiving notice of a dispute from a consumer, the furnisher is obligated to investigate and rectify any inaccuracies. 


Adverse Effects : The inaccurate reporting of a late payment has had detrimental effects on my creditworthiness, impeding my ability to conduct personal business matters effectively. This erroneous information has led to : Credit Denials : Rejection of credit applications essential for my business operations. 

Increased Costs : Higher interest rates and unfavorable terms on existing credit facilities. 

Reputational Harm : Damage to my reputation with financial institutions and business partners. 

I have contacted both the creditor and the national credit bureaus, making several attempts to rectify this problem, yet neither the creditor or the credit bureaus have assisted me with this matter. I submitted XXXX disputes to XXXX and one with Transunion after speaking with XXXX XXXX associate regarding this issue who instructed me to dispute it directly with the credit bureaus, so the appropriate team at XXXX XXXX would have the inaccurate reporting removed from my credit file. I submitted the disputes with XXXX on XX/XX/year> and XX/XX/year>. The dispute was sent to Transunion at the same time as XXXX. After processing my disputes, the credit bureaus stated that XXXX XXXX verified the late reporting as accurate so no changes were made to my credit file.
Product: Mortgage

Rushmore took over my servicing I have tried to contact them requesting loan modification packets and get letters making offers for short sale or them giving me money to move out but NO INFORMATION ON A LOAN MODIFICATION. I believe they are stalling until the sale is complete next week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a New Account Opening with Affirm Inc. for XXXX XXXX but I have two accounts w them ( and they require a soft pull only ), one for {$93.00} at XXXX, and one for {$100.00} at XXXX. Neither are for {$72.00}, and both accounts are paid in full. This should not only NOT appear in my credit report, but is also incorrect and might be a wrong name or other factor.
Product: Debt collection

Starting XX/XX/XXXX, up to XX/XX/XXXX, I have been attempting to contact XXXX XXXX about two erroneous credit card debts which I am unaware of to try to get the issues rectified. Prior, I never received a method of verification from XXXX XXXX, giving me a chance to respond within the 30 day period, and the debt agency inserted both collections on my credit reports. I never experienced collections on my reports. 
I have attempted to call, XXXX XXXX representatives are not customer centric, I have sent certified mail with return receipts, proving to me letters were received and signed for ; but still no response. Although it is not my debt, I have even attempted on two separate occasions, sent first class mail settlement letters starting XX/XX/XXXX. As of today, XX/XX/XXXX XXXX XXXX still has not contacted me and the collection debt is a burden on me. I can't gain credit or be credible with these two derogatory marks on my reports. XXXX XXXX has not proven to me debt is mine, nor do the agency have signed legally binding contract for me, all I am getting is a computerized billed statement and a mark on my credit reports. There are so many violations from XXXX XXXX pursuant to state laws and FCRA laws and XXXX XXXX is not trying to resolve this issue. Please help me.
Product: Mortgage

On XX/XX/year>, I made three mortgage payments to XXXX XXXX totaling {$290000.00} that were supported to ALL be applied to principal. Instead, XXXX XXXX applied 6 of them to monthly pre-payments and left approximately {$80000.00} in " unapplied funds ''. I have called at least 4 times to correct this. The first time the requested was rejected, the second time the payments were reversed then applied incorrectly AGAIN. Now, the company says I need to fill out a form but their attempt to email it failed, and they're saying they'll need to do it through physical mail instead. 

This is an insane process and the company has effectively stolen my money at this point.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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

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 {$33000.00} XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX  XXXX {$1800.00} XXXX XXXX account:XXXX {$2200.00} XXXX  XXXX accountXXXX {$5400.00} 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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of Birth : XXXX XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Type of Account : Collection Account Public Record : Case Number : Action Requested : Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect Collection Account : XXXX XXXX XXXX Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Paid Account/Late Payments : Account Number : Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. Sincerely,
Product: Credit card

my rates have gone up and my interest rates increased I called and called but no help or explanation.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVEDXXXX 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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$25000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5100.00} ; 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I have paid debt in full to lenders. The company has sent me a discharge letter in which I have sent to all XXXX credit reporting agencies. All XXXX agencies have yet remove this item off my credit report. I have sent letters and documentation to all three agencies regarding this matter with no solution.
Product: Credit reporting or other personal consumer reports

, the Consumer Financial Protection Bureau ( CFPB ) announced that it had taken action against Equifax for systemic failures in investigating consumer disputes, reinserting inaccurate information into credit reports, and using flawed processes that resulted in inaccurate consumer data. These actions demonstrate a pattern of non-compliance with the FCRA, which further undermines the validity of your response to my dispute. Equifax and XXXX must conduct a thorough, independent investigation without blindly accepting unverifiable claims from the furnisher. Resolution Demanded Given the clear violations of my rights and the failure to properly investigate this matter, I am demanding the following actions within 4 calendar days from the receipt of this letter : Immediate Deletion of the Disputed Account : If Equifax and XXXX can not provide documentation verifying the accuracy and ownership of the account, it must be deleted immediately as required by 15 U.S.C. 1681i ( a ) ( 5 ). Removal of Hard Inquiries : Any hard inquiries associated with this account, including those initiated without permissible purpose, must also be removed. Provision of Documentation : If Equifax and XXXX insists on continuing to report this account, I demand that you provide : The specific documents used to verify the account. The identity of the individual or entity who verified the account. A detailed description of the methods used during the investigation.
Product: Student loan

I receive a letter in the mail XXXX XXXX about my student loans. The letter is dated for XX/XX/2017. The letter stated that I have 60 days from that date to respond and set up payments arrangements. I called the XXXX Department of education to try and set up payments but was told my load have been summited to the creditors : XXXX XXXX XXXX. I called and called several times to try and get in contact with them. Every time I call I wait and wait than I hear a number pressed and no one says anything and than the phone disconnect. I just wanted to set up my payments arrangements with them so this issue can be resolve. My total balance is XXXX XXXX XXXX XXXX XXXX number is : XXXX XXXX XXXX XXXX number is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent complaints to the CFPB, experian and XXXX since last year with no resolution from Experian. Experian has simply ignored my request for remova ; after I sent in proof that they can not verify it after they stated that they got it from XXXX. Who in return stated that they do not have a XXXX on my credit report and asked that Experian investigate. To this day there is no solution to the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Score has been lowered the Credit Agencies ( Trans Union, XXXX ans XXXX ) is and has offered an explanation claiming " HARD INQUIRIES '' is and was the reason ( s ) for the Credit Score being lowered. When I initially filed my Complaint with cfpb for this issue I offered my explanation and why I feel the Score should not have been lowered. I have been shopping for a NEW vehicle and the Dealerships as part of the deal making process they always request to check your Credit and with the understanding that my Credit was o.k. I would agree to the check. Also I have open several Credit Card accounts they also made checks into my Credit History. I had and have no control over the manner of the inquries whether they are HARD or otherwise. Regardless, my Credit Score should not be lowered due to how it was made and the number of times its checked. The Consumer should not be penalized for the number of times the Credit History is checked or the manner of the check. It has not been easy to have the incorrect information removed from my Credit History or rebuilding my Credit. Now that I can see a vast improvement the Credit Reporting Agencies want to penalize my efforts by the number of HARD INQURIES which are outside of my control.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this with Transunion on numerous occasions through their own dispute process. I only received " canned '' responses that an inquiry is a factual record of of a company pulling my credit.This is to notify you that I contacted the following inquiry creditors and they responded that the inquires SHOULD BE REMOVED. XXXX XXXX has even stated they have submitted disputes to Transunion on two separate occasions. I have attached the letters as proof. If these UNAUTHORIZED inquires are not removed immediately my next step will be filing suit for monetary damages. Transunion is in direct violation of the FCRA. Remove inquires : XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  XX/XX/XXXX IMMEDIATELY. Do not tell me it will take 30-60 days because I know it does not take that long. I expect it done upon receipt of this complaint. If you respond that they are a " factual record '' I will file suit immediately. I have already contacted a consumer protection lawyer.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. Transunion, violated my rights and shared. furnished and sold my non-public information without my consent this is deemed identity theft. Please remove these items asap