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

On or about XX/XX/2016, XXXX XXXX XXXX. submitted an outstanding balance of {$7000.00} to Equifax claiming that I have purchased goods from XXXX XXXX and have refused to pay it back. I contacted them several times to show me receipts and evidence that I have in fact made these purchases but they refused to do so. I told them repeatedly that I did not make these purchases but they insisted that I am responsible no matter what. I know they are a collection agency. I have contacted Equifax numerous times disputing these charges but they continue to claim these are my charges without providing any proof. If anyone has dealt directly with Equifax, can appreciate my frustrations. Most of their agents dont speak English well enough to comprehend the issues. They should not ruin ones credit with thorough investigation and documentation. I took it upon myself and found out who used my account number and filed a legal claim and have a judgment against her that I have tried to share with both Equifax and XXXX XXXX but they simply dont care and dont care how their lack of proper investigation and inaccurate reporting hurt people like me. I have my best to resolve this but are of options and can not afford legal fees to seek justice.
Product: Credit reporting or other personal consumer reports

I would like to request the removal of the late payments that have been inaccurately reported on my credit history or without proper validation, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). Specifically, I am seeking the following : 1. **Correction or removal of the late payments : ** - I request the immediate removal of the late payments reported on the following accounts : - **XXXX** - Account Number : XXXX - Late Payment Date : XX/XX/XXXX - Payment Status : 30 days late - Last Payment Date : XX/XX/XXXX - XXXX XXXX XXXX - Account XXXX XXXX XXXX - Late Payment Date : XX/XX/XXXX - Payment Status : 30 days late - These accounts reflect late payments that I believe to be inaccurate or improperly validated. According to **15 U.S.C . 1681 ( a ) ( 2 ) ( A ) ( i ) **, my consumer report should not contain information solely related to transactions or experiences between the consumer and the creditor. Since the payment history and late payments are considered part of these transactions, they negatively impact my credit report and should not have been included without proper verification.

2. **Verification of Billing Procedures ( 15 U.S.C. 1666 ( b ) ) : ** - I am requesting that you provide me with, in writing, the reasonable procedures you have adopted, according to **15 U.S.C . 1666 ( b ) **, to ensure that each periodic statement was mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all information required by section 1637 ( b ) of Title 15.

3. **Written confirmation : ** - I ask that I be notified in writing once the late payments have been removed from my credit history, and that I be provided with an updated copy of my credit report.

4. **Prevention of future errors : ** - I request that measures be implemented to prevent future inaccuracies in my credit history. This includes verifying the accuracy of any information before it is sent to the credit bureaus.

5. **Response Period and Assumption of Non-Validation : ** - You have **30 days** from the date you receive this letter to provide me with the information I am requesting. If you do not provide this information in the allotted time given, it will be assumed that you can not verify the late payments on the dates specified above ( due to lacking reasonable procedures to ensure the accuracy of my account ). In this case, I would request that you **remove the late payments** from my account and consumer report with the following consumer reporting agencies : **XXXX XXXX XXXX and TransUnion**, and update the accounts to positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 national credit system and absoule recoveries these account are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

There were unauthorized inquires on my Credit Report XXXX  XXXX requested my credit report on - XX/XX/2019 - XX/XX/2019 Roadloans.com requested my credit report on - XX/XX/2019 2019
Product: Student loan

I submitted my school Misconduct Discharge application explaining that I am also part of the XXXX XXXX XXXX Borrower Defense group, where it was won in court that XXXX XXXX determined that the school I attended did, in fact, defraud its students. Based on that information, I submitted the School Misconduct Discharge paperwork, also providing my case # with student aid. I received a generic response stating that my application has been denied. 

That Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. 

However, no context was really given to me as to why my application was denied or what information they were using to determine that it would be approved. How can my school be determined to have defrauded me with my federal loans but not my private loans? I want to appeal this denial.
Product: Credit reporting or other personal consumer reports

I believe according to FCRA 605B, it's mandatory to eliminate any erroneous entries from my credit report. Could you kindly review the documents? Several of the mentioned accounts seem to be incorrect, causing me some distress.
Product: Credit reporting or other personal consumer reports

EXPERIAN claims they investigated an account and contacted the data furnisher to verify the account however they BLATANTLY LIED and I have documentary proof. XXXX XXXX XXXX is furnishing inaccurate information and EXPERIAN claims the information was actuate. How could EXPERIAN verify this account? Who did they speak to from XXXX XXXX XXXX? What is their name, email address, and phone number? If EXPERIAN can not provide this information and knows or has reason to believe information is inaccurate they MUST delete the account from my consumer report. In addition this account has been re-aged and has reached the statute of limitations. Via proof in the attached screen shot the account was opened XX/XX/year> but the payment history doesnt reflect until XX/XX/year>. EXPERIAN has a grave responsibility to make sure the information in my credit profile is 100 % correct. This error has caused me damage and needs to be corrected immediately.
Product: Credit reporting or other personal consumer reports

I submitted a letter to TransUnion Credit Bureau last XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$15000.00}.
Product: Debt collection

Was XXXX at XXXX XXXX XXXX of XXXX XXXX California. Had difficulty paying the debt to the hospital or organization in which the debt originated, but had paid some of the amount in the beginning at the beginning of the agreement. Was XXXX twice since diagnosed in XX/XX/XXXX and again in XX/XX/XXXX that led to XXXX and being out of work for 4-months. Debt was turned over to USCB America who has been receiving the debt since around XX/XX/XXXX to present. They were deducting funds from my account on some months twice where i was n't informed, and since the last conversation XX/XX/XXXX they are claiming that they have n't received any payments and now only willing to settle if I pay half of the interest which was never agreed upon. It 's not a whole lot of money, but I hate feeling like we as consumers have no rights. I spoke with one of there staff members on XX/XX/XXXX, who discussed the payment history with me, because the first two payments made, they claimed they had no knowledge. Any assistance would be appreciated. I just want to get debt settle prior to the new year.
Product: Debt collection

Collection item added to my credit report in XXXX or XX/XX/XXXX. For XXXX dollars from XXXX hospital but now with GLA collections. I spoke with GLA in the fall XXXX and the CS said he would send me information about the debt. They had the wrong address and I had received nothing in the mail and no phone calls. He said it was from an emergency room visit in XXXX. It wasnt me! I have insurance and nothing was on my insurance either. After not hearing back, I wrote to them with the last 4 digits of the account number that I had from my CBR, my DOB, address and last 4 of my SSN. They sent me back a letter saying they couldnt find an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Disputed this Account Name : Original : XXXX XXXX XXXX Current Owner : XXXX XXXX XXXX Date Submitted : XX/XX/XXXX Report No. XXXX Experian Answer : the Debt is Verify I contact XXXX XXXX XXXX said have them contact us to tell them that this account was settled in full on XX/XX/XXXX And I will sent you a letter to prove that this Account was Settled in full. I will attach this document & Please take off the Deragatory mark on my Account thank you.
Product: Debt collection

I have a written agreement with Portfolio Services if I made a payment on an account t I had with XXXX XXXX they would delete it from my credit profile. On XX/XX/2019, I paid a settlement in the amount {$690.00} through my bank to Portfolio recovery services. My bank mailed the payment to the original creditor ( XXXX XXXX ) who has held my payment for over a month. I have conference called my bank, portfolio, and XXXX XXXX everyday for the past month. I have spoken to the vice president ( XXXX XXXX ) regarding the account. After XXXX XXXX confirmed that they had my payment and informed me that Portfolio Recovery Services knew what actions had to be taken to receive payment and post on my account nothing has been done. I am continually calling this agency and they have not kept up with their end of the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote disputes to XXXX and experian to advise them with proof I was a victim of identity theft ( police report, FTC complaints and all personal info of mine ) that I am a victim of identity theft and that the fraudulent items I circled are not mine and to remove them according to the fcra 605b they are to do so immediately as they are not mine and are fraudulent. Both experian and XXXX has refused to follow said laws and left said items in my reports refusing my numerous disputes to the company over the past 2 plus years. I want these companies held accountable as my credit has suffered I have been refused employment and insurance due to these companies negligence. I eant items removed immediately and I am retaining an attorney to file criminal charges in court if this is not removed at once.
Product: Bank account or service

I set up a payment for my car note and it returned as insuffcient funds to the institution i made my payment for and shows as " paid '' or posted to my bank account. My money is gone and my bill went unpaid!!!! No one know 's where my money is and now my car is up for repossesion!!!! The payment was posted to my account on XXXX XXXX, and said to have returned on XXXX XXXX which makes no sense at all, because i saw it posted to my account on XXXX XXXX, 2015.
Product: Credit card or prepaid card

I reached out to Discover Card to get this sorted. Essentially, I set up a payment arrangement with them back in early 2020 because I experienced financial hardship due to the COVID-19 pandemic. I was able to set up the arrangement only after being advised that I could only be eligible if the account was behind. The account is now current but the late fees are bringing down my score. Per SEC 4021 of the CARES Act, these late fees should be updated on my credit report for all 3 agencies. This has yet to happen.
Product: Payday loan, title loan, or personal loan

Hello, I was XXXX XXXX  my job at the end of XXXX and fell behind on my loan with Prosper. I was past due for my XX/XX/XXXX payment which resulted in a late charge and nsf fee also being assessed to my account for an additional {$45.00}. 

I called Prosper today to make a payment by phone. My monthly payment is {$710.00} and I made a payment for {$710.00} with XXXX. After completing the payment of {$710.00}, XXXX, mentioned that my account was still past due for XXXX for the fees and would be reported late to my credit. I explained to her that the payment I made for {$710.00} for the XXXX installment of {$710.00} which should bring my account current and up to date. The fees for {$45.00} can be paid with the next installment due on XX/XX/XXXX. She again reiterated that my account was still past due. I demanded to escalate to a manager. She put me on hold and returned to the call and said that my payment for {$710.00} would be applied to fees first and then the difference would be applied to principle and interest. Working in the XXXX XXXX for over 30 years, I told her that was completely ludicrous and illegal. Again I demanded to speak with a manager. You can not apply a payment to fees before applying to principal and interest. XXXX placed me back on hold while getting her supervisor on the file. While on hold, I immediately begin preparing my complaint with CFPB. 

After a brief hold, XXXX/Supervisor got on the line. I explained to him my conversation with XXXX. He assured me that the payment I made today for {$710.00} will be applied to the XX/XX/XXXX installment and that my account would be brought current through XXXX. He also agreed to waive the additional fees from the account as a 1 time courtesy and stated he would go back and listen to the call and provide XXXX with additional training/coaching since she provided incorrect information. 

What was intended for a complaint, has now been resolved and I would like to say thanks to XXXX for going above and beyond and providing excellent customer service. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act 15 USC 1681a under exclusion b, anything that was extended or authorized from a credit card should be excluded from a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove an inappropriate collection from my report with Experian. Not only has the online investigation been biased and inappropriate, but they have made it impossible to reach anyone for assistance. A fraud alert was just placed on my report by the automated system because I wanted to speak with a representative. It is not an appropriate response to my request. I want experian to be reachable so this issue can ve resolved.
Product: Payday loan, title loan, personal loan, or advance loan

I took a loan out with lendmark financial. Afterwards I was fired for having covid. After I was let go from my job I have struggled to find work and keep work due to long term covid symptoms. Because of this I have struggled to keep a job, and when I did have work I would try to pay them often times I could only afford XXXX a month and they refused to work with me and would say that XXXX was the minimum they could take, then would continue to allow to my account to build interest while I suffered from the long tem effects of a global pandemic. I was recently offered a settlement but they said the settlement price would only work if i could pay them in two lump sums over 2000 each. I think these practices are completely inhumane.
Product: Debt collection

Subject : Formal Dispute and Notice of Damages XXXX XXXX To Whom It May Concern, This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ), specifically sections 602, 609 ( a ), 611, and 623. I am requesting the immediate investigation and deletion of the following inaccurate and unlawfully reported account from my credit file. 

Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Charged-Off This account is reporting inaccurate and unverifiable information. According to Metro 2 compliance standards, the account reflects an inconsistency in the payment history, charge-off reporting, and past due balances without a proper update to the Date of Last Activity ( DLA ). Furthermore, no original documentation or agreement has been provided to verify this debt or demonstrate its legal validity under 15 U.S.C. 1681s-2.

Additionally, I never received validation of this account, which constitutes a violation of the FDCPA if this debt was passed to a third party. The continued reporting of this account has caused personal and financial harm, including loan denials and increased interest rates. I am seeking compensation of {$5000.00} for negligent and willful noncompliance under 15 U.S.C. 1681n.

This account is governed by a binding arbitration clause as stated in Section 30 of the XXXX XXXX XXXX. The furnisher was contractually obligated to engage in arbitration prior to any charge-off, sale, or collection assignment. The reported balance and derogatory mark from third-party collection by XXXX XXXX constitutes a breach of contract and consumer harm under 15 U.S.C. 1681s-2. No arbitration was initiated, no notice was provided, and no verifiable chain of assignment has been disclosed. You are now on notice of these violations, and I demand immediate deletion of this account. Failure to do so will result in arbitration initiation, CFPB complaint, and a formal claim for {$5000.00} in damages. 

You are required to conduct a full reinvestigation, provide documentation, and remove any unverifiable, inaccurate, or incomplete information within 30 days. If you can not verify this item, it must be deleted from my credit file. 

Failure to comply will result in formal complaints with the CFPB, FTC, South Carolina Attorney Generals Office, and may escalate to civil litigation. 

Please mail your response to the address above. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was paid on XX/XX/XXXX, a Friday, and sent my payment to this credit card as soon as I was paid. My payment was a few days late due to it being a weekend and they refuse to refund my late fee. I have went back and forth for over a week and they refuse to help me. They said that I have already had a late fee waived and too bad. That is not how things should work in a time of a pandemic when most people are living paycheck to paycheck and have to wait until they are next paid. I asked for the case to be escalated after I received a canned response that made no sense when my reply was to a reply from them. I was told, As it turns out, we're unable to further escalate this matter either. Umm excuse me? So now you refuse to help out a customer, but you also deny the case being escalated? That is also a rude way to speak to a customer. No one should be forced to pay a {$29.00} late fee when my {$38.00} payment was received a day later.
Product: Debt collection

I received a call from XXXX at Windham Professionals and he would not take my number out if his system. For over 4 minutes he kept telling me that I needed to tell him who I am although he called me and I told him I am not the person he was looking for. He was not answering my question on who he is and what company he was with. He kept demanding I tell him who I am. 
I have a video of 2:50 of the over 4 minutes of call. It wouldnt allow me to upload but will make it available if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE HARD INQUIRIES
Product: Money transfer, virtual currency, or money service

I deposited {$2000.00} to XXXX on XX/XX/2024. I promptly bought XXXX and attempted to send this cryptocurrency to an external wallet that belongs to me. My account was restricted after attempting to transfer. Before sending this money to Robinhood, I submitted identity verification, confirmed my bank account by confirming the amounts placed in my checking, and enabled XXXX authentication on the app ( all things they require to do certain actions in the app ). 

Robinhood has tried calling me about 3 times to rectify about a week ago, but they always call too late or when its inconvenient to me. Ive tried returning their call but can not get in touch with support. When I try the virtual chat in the Robinhood app, I am told that I must talk to someone in person and I must submit identification ( picture of drivers license, photo of myself ) and a pdf of my bank statement. I have submitted so many requests to have them call me back, have uploaded my drivers license multiple times and verified identity. At this point I cant get ahold of them by phone or chat or upload my bank statement on their app so they can remove the restriction from my account. 

I do not want to use the Robbinghood platform anymore and just want the money that was initially sent from my verified bank to be sent back to the same bank account.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accuracy. Here is the item that I am asking you to verify as accurateXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Harris & Harris debt collectors calling from XXXX separate numbers XXXX and XXXX Called XX/XX/XXXX XXXX XXXX Called XX/XX/XXXX XXXX XXXX  Called XX/XX/XXXX XXXX Called XX/XX/XXXX XXXX We have no debt and no reason to talk to such a company. Can't block them with my XXXX XXXX phone company
Product: Mortgage

This is in regards to case XXXX The loan was transferred to Ditech Financial LLC with acct number XXXX and even stated the property address that was involved which is XXXX. XXXX CA XXXX that was short sold in 2009. We are continually getting mails and phone calls from this company and I hope you can help us resolve this. Thank you
Product: Debt collection

I am filing this complaint against COLUMBIA DEBT RECOVERY LLC DBA GENESIS for improper and unfair debt collection practices. The agency has been reporting a debt on my credit file related to a previous apartment I lived in during college. This debt is inaccurate and unfairly assigned to me without sufficient proof of my sole responsibility.

I requested verification of the debt, and the only document they provided was a move-out statement that listed my name and charges. However, this debt originated from a shared apartment where I lived with four other tenants. The damages and charges reflected in their statement were caused collectively, not solely by me. I have already paid my fair share of the damages and do not believe I am responsible for any remaining balance.

This agencys continued reporting of the debt is causing undue harm to my credit, despite their failure to provide clear and substantial evidence of my individual liability. Under the Fair Debt Collection Practices Act ( FDCPA ), they are obligated to provide valid proof of the debt, which they have not done.

Requested Resolution : The immediate removal of this debt from my credit report with all major credit bureaus.

A cessation of any further collection efforts regarding this account.

I believe COLUMBIA DEBT RECOVERY LLC DBA GENESIS is in violation of federal consumer protection laws and is engaging in unfair reporting practices. I kindly request the CFPB to review this matter and take appropriate action. 

Thank you for your attention to this complaint. I am happy to provide additional information or documentation if necessary.