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

This letter is in response to your recent claim that the credit bureaus has verified that the accounts they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account ( s ). I am formally requesting a copy of any binding contractual obligations to pay them the exact amount claimed. Any automated response E-Oscar verification is unacceptable. I am requesting a re-investigation and your Method of Verification. According to 15 USC 1692c ( c ) if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consume, the debt collector shall not communicate further with the consumer with respect to such debt. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission. According to 15 USC 1681 I have the right to privacy. According to 15 USC 1681 s-2 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 information is inaccurate. ( B ) Reporting information after notice & confirmation of errors. A person shall not furnish information is inaccurate; and ( ii ) the information is, in fact, inaccurate. XXXX. XXXX XXXX {$7300.00} XXXX. XXXX XXXX {$0.00} XXXX. XXXX XXXX XXXX {$520.00} XXXX. XXXXXXXX XXXX {$15000.00} XXXX. XXXX XXXX {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in response to a previous complaint ending in XXXX. 1st Franklin 's response is unacceptable under the FCRA ; thus, they're in violation of it. Computer printouts ( and them circling boxes on there ) means nothing under the law and ARE NOT acceptable or viable means of verifying or validating an account or inquiry. They are REQUIRED to provide me with a document with my actual signature on it or else remove the inquiry, as ALL items on a consumer 's credit report must be verified / validated with original documentation BEARING THE CONSUMER 'S SIGNATURE. This is law. If they do not provide this, then they need to immediately delete that inquiry reported in my credit files for XX/XX/2017.
Product: Student loan

They reported me to credit agency and threatened to report my mom to the credit agency. They refused to make a payment plan with me and told me that I could pay {$50.00} out of {$210.00} that I owe but because I am 40 days late, they still reported me to credit bureau for unpaid payments. They told me to ask my co-signer for help so they dont report her. XX/XX/XXXX this happened.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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.

POLICE AND FIRE FCU 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: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting or other personal consumer reports

They have the wrong address in my credit report and accounts that are not mines
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX  has violated my rights. 
15 usc 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without written instructions 15 usc 1666B : a creditor may not treat a payment on a credit card account under and open. And consumer credit plan as late for any purpose.
Product: Checking or savings account

On XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX moneylion emailed me saying I'll get {$20.00} if I sign up for their plus product, but I already signed up for it, and every time I respond asking for the {$20.00} they say they have no idea what I'm talking about or I should be getting it soon. I was referred by XXXX and based on that should be getting the bonus.
Product: Student loan

NelNet continues to practice inconsistent customer service and other inconsistent lending practices. Since the inception of my student loan in XXXX XXXX, I was informed for first time in XXXX XXXX that credit card is an acceptable method of payment by customer service representatives. I have called in, talked to a representative, and made one-time lump payments of {$4000.00} on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I attempted to make the same transaction and was denied. However, the same transaction was approved 3 times previously. I was informed they can not accept a " debt for debt payment '' as per SSA guidelines. I was told if I were to file bankruptcy, and made credit card payments it would dissolve that portion of the student debt as it has been offset by potential credit card debt. Further, I was informed I can not make a credit payment in excess of monthly payment amount. The payment amount is an arbitrary allocation of cost. Based on those grounds, if I requested a revised payment schedule based on a different payback period, I could simply work around the method outlined by the representative. I am not in acknowledgment of any modifications to my loan which revokes this privilege. Payment is payment and it should not be determined by the lender of which form of payment is " more credible ''.
Product: Credit reporting or other personal consumer reports

I am not sure what is happening with my credit score but I paid off cards and did not move credit score at all I paid off collections did not move credit score at all but as soon as I forgot a payment score dropped XXXX XXXX. As soon as I pay off collections then more collections show up on my report I had a few then they somehow added more its weird it like they are searching for something to bring my credit score down I know the know I am XXXXXXXX XXXX maybe thats why they are trying to keep my score down. But it rediculous then they post fraudulent stuff on their site saying you qualify for this card or loan and then the company states that they can not view your information. Which leads to decrease in credit scores main two XXXX XXXX and XXXX XXXX I took the lock off TransUnion a long time ago but still having problems with them saying they can not view my information. This is crazy how does making a payment have no effect at all. And then adding all these old collections back on my credit. Weird.
Product: Credit reporting or other personal consumer reports

I have found some accounts on my report that I do not recognize, and I would like to get them removed if they can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent a letter back in XXXX XXXX XXXX  to remove a name that is NOT my name off my credit report. The credit bureau has not removed it. This is an FCRA violation and needs to be removed. Ive included the letter I sent as well as my drivers license again.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX XXXX XXXX XXXXXXXX On XX/XX/23 XXXX I called XXXX ChecknGo customer feedback department. to request an adjustment to the bi-weekly payment. Obtained installment loan on XX/XX/23 for {$1500.00}. The terms are : twelve bi-weekly payments of {$270.00} I completed the first payment on XX/XX/23. XXXX XXXX branch phone number is : XXXX, I spoke with XXXX XXXX, store manager, She is the person whom I signed documents in person with. 

The loan helped me pay off some debt but I am noticing that the bi-weekly payment is already causing a financial burden. I underestimated the payment plan and did not fully understand how much the interest is on each payment. The contract does not show each payment breakdown. The only method to lower the payment is to refinance. I would have to make an initial payment of 30 % towards the balance, which would be to {$450.00}, which I can not afford. My wife has major health concerns I need to address financially, hence one of the reasons why I asked for funding. 

I can however afford {$120.00} bi-weekly. This will be less stressful and even allow me to make principle payments now and then when I obtain overtime from employer. but the {$270.00} bi-weekly is making it impossible to pay down principle to reduce interest fees. 

If you can please assist me please. Thank you - XXXX XXXX XXXX www.checkngo.com
Product: Credit reporting or other personal consumer reports

I disputed incorrect negative items on my credit report with Transition, XXXX, and Experian. The items came back verified by all 3 credit bureaus, so I responded with a verification letter asking for methods used when investigating my disputes. I also asked for a list of documents and correspondence including names and contact information of employees that were spoken to as part of the investigation. According to my rights as a consumer under FCRA 611 ( a ) ( 7 ) I have the right to request a complete description of all methods used to investigate my aforementioned dispute. I have not received a response from the credit bureaus so I am asking for this to be resolved and items requested removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and equiofax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifa are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}
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 COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of/items that do not belong to me or were opened without my permission. 

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

On XX/XX/XXXX of this year, I contacted XXXX  concerning the illegal tactics that National Recovery was using to attempt to collect money I have no knowledge I owe. The account number of the National Recovery isXXXX. I requested that National Recovery send me the detail of this debt instead of harassing me on the telephone that I owe a {$90.00} medical cost in XX/XX/XXXX. I am yet to receive this detail information. 

Based on my letter to XXXX explaining this issue, I received a letter on XX/XX/XXXX that National Recovery is no longer not reporting on XXXX credit file. Then on XX/XX/XXXX, another letter was sent stating that on this same account from National Recovery that it has reversed itself. 

National Recovery can not use the credit as a means to punish consumer. It must follow the law by sending requested information. And XXXX must maintain it's integrity to consumer. It can not play on our financial lives.
Product: Bank account or service

I had an checking and saving account with Huntington Bank. I noticed charges were made on my account that I did not authorize. I called twice to cancel my card, change my address and submit a dispute of unauthorized charges. I was told both times it was taken care of and it was not. I then had to go in a branch to finally get it taken care of. I was denied on my despute of the unauthorized charges because they said I had my card on hand. Of course I did but that did n't mean my card number was not stolen and someone was using it. A month or so prior I also called and asked to cancel all of my checks because they were stolen and unauthorized charges were on my account as well. The repersentive I talked to only canceled certain check numbers which is not what I asked. When I went on my account and looked through the history of my account there was checks written and the money was taken out of my account. I was denied by Huntington because they said I never called to cancel my check books, which I did as well as denied numerious charges I never made because I had my card on hand. Someone got my card number and made charges I did not authorize as well as my checks that were supposed to be cancelled. This was months of disputes, a lot of money stolen from me and the account remains closed with me owing over draft fees.
Product: Debt collection

Second complaint, I am not liable nor did I authorize to have and used this account. I will not pay for anything that is not mines. As you can see there is two open accounts with my information opened under the same company. According to my credit reporting from XXXX, XXXX and XXXX I have a fraud alert that has been placed for over many years and will be lifted next month. As a consumer I have the right to not respond, pay any debts thats not mines and or be harassed by any debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX APT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$0.00} XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021
Product: Credit card

This company called Duvera billing services on my credit Report XXXX or XXXX times I only have one account with them. I have talked to different people at this building company regarding about them. Getting my critics right now. They refuse to help me and starting to make creditors. Look as if I'm not trying to XXXX. We came to an agreement that I pay {$75.00} Every month until the {$900.00} payment is paid in XXXX I have made XXXX 's payment, XXXX and XXXX They're not reporting it to the credit bureau at all. And I sent over a letter that they sent to me. And they still would not update anything to the credit bill. And I'm not understanding. How is it that they come up with that agreement? But they're not sticking to their agreement. I just want this stuff to be removed off my credit report. I only have XXXX account with this company. I do not have XXXX or XXXX account with this company They are on my XXXX and transunion I have sent over the letters to the credit bureau. And I'm not getting help from them either. So at this point I don't know what to do. But it's draining my credit score and not only that, every month. They hit my account saying close the account. Which is pulling my score all the way down. And that's not cool someone. Please help me with this situation. Because I'm just getting frustrated. And then they just report me to the game XX/XX/XXXX as close account Which just took my account down negative XXXX Points on my credit report again XXXX  XXXX. ) Duvera Billing services {$1500.00} XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I noticed unauthorized inquiry from XXXXXXXX XXXX XXXXXXXX. I have never applied there I dont know what that is and Experian you are in violation of the FCRA as well as 15 USC 1681 and 15 USC 1692 by reporting this unauthorized, Fraudulent inquiry on my report.
Product: Debt collection

XXXX XXXX  has ruined why credit profile, they are reporting this on my credit as though I owe them. I dont owe this account. I am a victim of fraud as well id.identiy.  They keep telling me that they have removed it off my XXXX report however as of XX/XX/2018, It is still being reported and Im being denied credit based upon this account showing as collection,
Product: Checking or savings account

I was sick with covid and had a account with TD Bank account ending in XXXX, the closed my account without my consent and without my knowledge and charged off debt didn't even give me a chance to pay or meet obligations unfair I could not act on my own accord due to long hospitalized stay over XXXX days reached out to td Bank asked them to reinstate account they advised me account was charged off within XXXX days that is nit fair or XXXX  XXXXXXXX XXXX institutions must eait XXXX months now my credit and I can not open a new bank account at ant other financial institution until this account also was accessed fees, {$37.00} XXXX I asked them to reinstate account they vehemently refused despite my situation please help... sincerely XXXX XXXX
Product: Mortgage

we applied for a mortgage loan modification back on XXXX XXXX XXXX XXXX was the owner of my loan, after XXXX denials they transfer my loan to RoundPoint now round point has approve a modification of the loan but I do n't think it is a fair XXXX, they lower XXXX to the principal balance witch I appreciate but we owed around XXXX XXXX dollars over the value of the house and they are giving us an interest rate of XXXX, the only income to the house hold is thru my husband`s work, so he would have to work over time to be able to make this payments and over time is not always there, and even if it was my husband is a XXXX XXXX XXXX we would finish paying the loan in XXXX is he going to be able to work as a XXXX that long. we bought this house in XXXX and we will finish in XXXX how is this fair