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

I receive a letter about my student loan being suspended, the credit bureaus Experian, XXXX, XXXX XXXX, will not remove this from my credit report and will not verify the letter I sent them all the letters also
Product: Debt collection

XXXX is the amount forXXXX  XXXX this account is nit an account of XXXX XXXX , a natural woman who never gave this company permission to do business with her. they also sold it to a 3rd party which is midland credit management
Product: Credit reporting or other personal consumer reports

To whom this may concern ( TransUnion ) I have recently received my credit reports and noticed that an account was removed from two of my credit reports but is still on my TransUnion report, I am writing this letter to dispute the following accounts : XXXX XXXX XXXX Account Number # XXXX The company TransUnion and this collection agency XXXX XXXX XXXX are both in violation of 15 USC 1692g as well as FCRA1681, Section 609. Section 610, Section 611. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. I must be given the original contract with my signature on it. Therefore, the following account must be deleted from my report as required by law. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The company XXXX are supposed to show proof of this account being verified which is required by law. According to 1681 ( i ) a the law states that before your investigation is completed the item in dispute must be deleted for my report. The item was never deleted before the investigation is complete. This not happening was also a violation of the law. I do not consent to a computer generated response nor the Eoscar system, show valid proof.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX XXXX, regarding a violation of the fair debt collection practice act, 15 usc 1692g. I recently noticed that XXXX XXXX systems placed an account for collections on my credit report. However, I did not receive any written notice from them regarding the alleged debt as required by law. A debt collector is required by law to send the consumer a written notice within XXXX days of the initial communication regarding THE DEBT. This notice must include : the amount of the debt, The name of the credit whom the debt Is owed. A statement informing the consumer of their right to dispute the debt within XXXX  days of receiving the notice. A statement that upon the consumers written request within the XXXX  day period the debt collector will provide verification of the debt or a copy of judgment to date. I have not received any such written communication from National credit sysytems. Despite the account appearing on my credit. This omission is not only a potential violation of the fdcpa but also detrimental to my credit standing and overall financial well-being. 
After doing my thorough investigation of this account and the company that posted the tradeline ive found that the entity is not accredited by the better business bureau nor is it licensed and bonded to collect from me as living residence of south Carolina. Please have this tradeline removed.
Product: Mortgage

The mortgage on the home that my ex-wife and children live in was finally modified under what I believe to be the XXXX Program. I say finally because we attempted either XXXX 4 times over multiple years to get a government sponsored modification from XXXX XXXX XXXX and ran into issues such as " lost paperwork '', incorrect information and possibly outright lies and mail not being received that was supposedly sent by them. The modification was eventually finalized on XXXX/XXXX/XXXX by XXXX XXXX XXXX. XXXX days later on XXXX/XXXX/XXXX, this mortgage note and the loan servicing rights were sold to Fay Servicing. The issue is that to this point Fay Servicing is not recognizing the fully completed and executed loan modification contract which is causing both my ex-wife and I significant problems. They have incorrectly reported false information to the various credit reporting agencies while they had the correct information available to them, thus causing XXXX loss of a significant opportunity as well as damage to XXXX my ex-wife and I in general. In response to our numerous requests to have them correctly recognize the completion of the loan modification as well as removing and/or reversing the false reports to the various credit agencies, they have refused to give specific dates when these issues will be addressed/completed, and have not provided answers to pertinent information relating to this account and these issues. All the while, they have continued to report false information regarding our credit, thus exacerbating the damage to us, as well as refusing to address the situation of incorrect miscellaneous charges being applied to the account due to their lack of recognition of a fully executed legal contract in the form of the loan modification. In the case of both XXXX XXXX XXXX and Fay Servicing, there are more specifics relating to these issues and the lack of responsiveness in addressing them appropriately. However, I think that this correspondence should provide enough information to your tax payer funded, consumer oriented regulatory agency to get the ball rolling in not only an effort to provide relief to my family, but to point out some of the outright abuses and possibly fraudulent actions of these financial service companies that have been enjoying some well documented, tax payer funded protection over many years. I will be very willing to respond in any appropriate way regarding this and related matters, and add my voice to the issues in order to attempt to reign in the abusive nature of these companies and the financial services industry in general. They are doing untold amounts of damage to the general population of our country while receiving tax payer funded protection from the very elected officials and civil servants who are supposed to protect us, their constituents, and whose salaries and benefits are being paid for by those very same taxpayers.
Product: Debt collection

I was just hit with a collections of {$160.00} from a " MRS BPO LLC ''. I have no outstanding bills so this is a fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and these are not my accounts I am requesting that these accounts be blocked and removed per FCRA 605 B XXXX XXXX  / XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX  {$3700.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$42.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX  {$10000.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX IS NOT MY NAME OR ME XXXX : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX XXXX  : ( XXXX ) XXXX NOT MY NUMBERS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and called TransUnion several times about the account at XXXX 'XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is reporting to TransUnion as a charge off but is showing a balance. Not only are they showing a balance, this account has been sent to a collection agency. They are also reporting C/O each month on my TransUnion report to reset the last date of activity. I have explained this to TransUnion several times via phone and letter. They have yet to remove this account for inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several inquiries however they keep coming back as verified or have received letters informing me that they commend me for my efforts with trying to clean up my credit however I needed to call them and then they add additional supplemental information to my reports and state they are verified. Information gets taken off then 2 months later the same information returns more-so from Transunion. 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 681. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  authorized account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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 antedates item of information, other than records of convictions of crimes which antedates the 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 USC 1681s-2 ( A ) ( 1 ) A person shall not not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Should have a balance of zero this was included in my bankruptcy 7 I've tried everything to have them to update it that won't I told them to look at previous reports to see it was on there but they refuse to
Product: Money transfer, virtual currency, or money service

PayPal requested a photograph of my Social Security Card in order to verify the account which I had with PayPal and used for over 10 years now. The company does not make it clear why the actual photograph of the Social Security Card needs to be transferred over the internet for such " verification ''. Additionally I would like to observe that neither my bank ( both traditional banking checking account, and credit card services ), nor my retirement account brokerage firm, nor my employer have ever requested a photocopy of the Social Security Card.

I had called PayPal to ask about this, the estimated hold time was 1-2 hours and the robotic system offered a call back. When the system called back ( at XXXX EST, XX/XX/2021 ) and I was connected to a live human agent the call was immediately disconnected after I inquired about the legitimacy of the request for photo of my Social Security Card.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
15
Product: Debt collection

SUBJECT : NOTICE OF DISPUTE, DEBT VALIDATION AND DEMAND DOCUMENTATION DEAR CARTER-YOUNG INC , I AM DISPUTING BOTH THE VALIDITY OF THE ALLEGED DEBT AND THE VALIDITY OF YOUR CLAIMS. PLEASE BE AWARE THAT INFORMATION I RECEIVE FROM YOU WILL BE COLLECTED AS EVIDENCE SHOULD ANY FURTHER ACTION BE NECESSARY. PLEASE ALSO BE ADVISED THAT NON-COMPLIANCE WITH MY DEMANDS COULD PUT YOUR COMPANY IN LEGAL TROUBLE.

ACCORDING TO THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692G, I HAVE THE RIGHT TO REQUEST VALIDATION OF THE ALLEGED DEBT OR COMPETENT EVIDENCE THAT BEARS MY SIGNATURE AND SHOWS I HAVE SOME CONTRACTUAL OBLIGATION TO PAY YOUR COMPANY.

I HEREBY DEMAND THAT YOUR COMPANY PROVIDE ME UNDER PENALTIES OF PERJURY WITH THE FOLLOWING VERIFIED DOCUMENTARY EVIDENCE OF THE ALLEGED DEBT : 1. PLEASE PROVIDE A VERIFIED COPY BOTH FRONT AND BACK OF THE ALLEGED ORIGINAL CONTRACT / AGREEMENT / PROMISSORY NOTE IN ITS ENTIRETY, INCLUDING ANY APPLICATION, ACCOMPANIED BY A COMMERCIAL AFFIDAVIT, SWORN TO BE TRUE, CORRECT AND COMPLETE, UPON THE COMMERCIAL LIABILITY OF A PROPERTY IDENTIFIED AND AUTHORIZED OFFICER, EMPLOYEE OR AGENT OF THE ALLEGED CREDITOR WHO STATES THAT HE/SHE HAS PERSONAL FIRST-HAND KNOWLEDGE THAT SAID FRONT AND BACK VERIFIED COPY IS THAT OF THE ORIGINAL ALLEGED CONTRACT/ AGREEMENT/ PROMISSORY NOTE.

2. THE AMOUNT OF THE ALLEGED DEBT ; 3. THE NAME OF THE CREDITOR TO WHOM THE DEBT IS OWED ; 4. THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR.

PURSUANT TO 28 USC 1746, I HEREBY DECLARE UNDER PENALTIES OF PERJURY UNDER THE LAWS OF THE UNITED STATES OF AMERICA THAT THE FOREGOING IS TRUE AND CORRECT. 

EXECUTED ON : XX/XX/2024 BY : XXXX XXXX NOTIFICATION IS COMPLETE UPON RECEIPT. 

PLEASE BE ADVISED THAT I'M A FEDERALLY PROTECTED CONSUMER WHO KNOWS AND UNDERSTANDS HER RIGHTS AND IS WILLING TO GO TO THE FULLEST EXTENT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  and XXXX XXXX  reached out for me to pay a debt that was sold to them. I paid this debt settlement amount in full on XX/XX/. The creditor had agreed to delete the tradeline once paid, however this collection still appears open and reporting as unpaid on my account. Unfortunately this lack of accurate reporting has caused denied credit applications for both a car and home. 

Additionally, I disputed this information with the credit agencies and they did not update my report accurately, leading to further adverse credit denials which are severely impacting my life. 

I am requesting XXXX XXXX and XXXX report to the credit agencies immediately that this a count shall be deleted from all reports.
Product: Mortgage

In XXXX of 2020, I initiated a request for my mortgage loan which is serviced by Pennymac to be reviewed for PMI ( private mortgage insurance ) deletion. The process involved paying for a third-party broker price opinion. Due to improvements I had made to my home, especially a new roof I had installed in 2020, I was told ( and independently verified with XXXX XXXX XXXX servicer guide - XXXX XXXX is the owner of the loan ) that I would qualify for PMI deletion if the broker price opinion reflected a home value such that my LTV ( loan-to-value ) ratio at the new value was under 80 %. On background, any XXXX XXXX  loan less than 2 years old is eligible for PMI deletion if significant improvements have been made to the home and the LTV after the improvements is less than 80 %. I went through the process, which took about a month, and paid the {$100.00} BPO fee. 

About a week later, I hadn't heard back so I reached out to Pennymac. I was inform that I needed to send a roofing invoice and pictures of the roof. This was fine, and I did my best to take a good picture and provide the invoice. I asked and was informed that the BPO reflected a valuation of {$270000.00}, which is WELL above the level it needed to be to delete PMI ( my current mortgage balance is just below {$190000.00}, resulting in a new LTV of below 72 % ). 

This morning, I received a notice stating that upon further review Pennymac determined that my valuation was too low to meet the mortgage investor 's criteria for deletion. This is incorrect both based on the XXXX XXXX servicer guide and on what I have already been told by Pennymac. They are fraudulently forcing me to continue paying for PMI despite the fact that it is no longer necessary. It is egregious that the process has taken over a month, that Pennymac is not following the XXXX XXXX servicer guide, and that I've clearly received incorrect information. 

( CC : XXXX XXXX XXXX, XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. They are Unverified Accounts, I demand the following accounts be verified or removed immediately. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Moreover, I have never paid late these accounts, please investigate : XXXX XXXX XXXX # XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

My wallet was stolen on XXXX. I immediately called my credit card companies, including Macys citi bank American Express. The thieves had already charged approximately {$2500.00} on my account. I told Macys Citibank American Express that I had filed a police report and the charges were not mine. Although they said they are investigating and are not making me make a payment right now the charge still shows up on my credit report. They also reported me for being over my credit limit of {$2300.00}. So I filed a report with all three credit reporting agencies. However it says the dispute has concluded and the amount reported was verified. But they show a XXXX balance. The problem is I was never over my credit limit and I never made that charge. Nor did I pay for it. So clearly it is incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a collection that popped up on my Experian credit report. However, when I mail in the dispute my investigation is not starting and I am waiting 45 days for them to put the dispute in. Additionally when I login on the website to submit my dispute I am getting a technical difficulties please call XXXX. But when I call this number during the working hours it will only let me speak with a machine that eventually hangs up on me. I have called several days and numerous amounts of times. I also called other Experian customer service numbers and I can never speak with anyone. Is it legal for them to block their calls and not allow us to speak to live representatives? Also is it legal for them to ignore my mail? Please let me know how or when this can be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple time I asked to prove which method they used to verify the information and they never send me any documentation proving how they find out or method used. by law they need to provide. but the never did. On XX/XX/2019 Report # XXXX. I asked and they respond accurate information. XX/XX/2019 Report # XXXX. Same respond. XX/XX/2019 Report # XXXX. Same respond. The account need to be deleted by law. Because the process was incorrect. I was able to fix the situation with XXXX without problem. They can not verified and they deleted the account. 

Account Number # XXXX ( Experian and XXXX  )
Product: Credit card

Capital One Credit Cards Re : XXXX XXXX last four of XXXX XXXX The statement is also attached to locate the account number Please note I do give my wife XXXX XXXX to also speak upon my behalf she is also an authorized user on my account if I am unable to be reached please contact my wife at XXXX Or email with a response To Whom It May Concern, First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer with exceptional payment history, paying on time and as well as over paying sometimes more than the minimum due According to the law I have my right to dispute what I consider unfair, and I consider it unfair that I tried to communicate with your banking institution representatives on several occasions and the answer was that late payments and the Fee and was told this would never be removed from my account, I tried to explain my situation to continue being a client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me. 
To make your process of deletion easier, please find the late payment and fee date below ( which I would like removed ) : I appreciate your time and consideration. Please, contact me by physical address/mail or email only, which are both verified and linked to the account I hold with you. FCRA Law 15usc1681a