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

Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ XXXX  XXXX Account Number : XXXX ] for my credit card, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 
Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card, have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : I am attaching a letter showing that the creditor did not respond to me within the 30-day period, in which I formally request that detailed proof be provided to me regarding this specific item. '' [ per 15 USC 1666 ( b ) ] which has been adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Also include all information required by section 1637 ( b ) of Title 15. 


Date of reported late payment : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting

I had a tax lien through WA state and its been paid off for over 2 years. Numerous times I have asked for it to be removed from my credit report both with experian and XXXX and both stated I needed to ask WA state to do it. I called the state court again today and they said the credit agency needs to do it. No one is helping me and this is affecting my credit big time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information.

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history.

Please let me know if you would like any further revisions or if you have additional concerns.
Product: Credit reporting or other personal consumer reports

I received a letter from Equifax stating that this old tradeline ( XXXX ) was no longer appearing on my file and all of a sudden later it reappeared. I even mailed a copy to Equifax for them to view. If someone at Equifax view my mailings I sent them, they could find the copy that was sent to them.
Product: Checking or savings account

I need to be able to link my checking account to the XXXX XXXX, Pnc has made changes and it has locked me out
Product: Checking or savings account

Received communication from Alliant that my request to open a savings account was denied because they were unable to verify my identity. I never applied for this account. 
I contacted Alliant, and they noted that this was a fraud, and took care of it on their end.
Product: Credit reporting or other personal consumer reports

I have contacted you in 2 previous letters asking for investigation and reinvestigation into the accounts listed. Both times they have been verified and updated with no supporting evidence to show why after I requested it. I have attached the letters. 

This account was labeled as a repossession in XXXXXXXX XXXX XXXX. Since then the account has repeatedly been updated as " repossession '' every month. This is an update in payment history. A repossession can not occur every single month and show active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my consumer rights. I am demanding a deletion of the following account to remedy this violation of my rights : ACCOUNT : XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing in response to your continued attempts to collect on an alleged debt associated with XXXX XXXXXXXX. After reviewing the documents you have provided and verifying information through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have significant concerns regarding your legal authority to collect this debt in Arizona. 

According to the XXXX, Columbia Debt Recovery LLC DBA Genesis does not appear to hold the necessary licensing or registration to collect debts in Arizona. Without such authorization, your collection activities in the state are unlawful and constitute a violation of both Arizona state law and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, continuing to pursue collections without the required licensing may be deemed an unfair or deceptive practice under the FDCPA. 

While you have provided documentation regarding the debts validity in relation to XXXX XXXXXXXX, this does not address the core issue : your lack of proof that you are legally permitted to collect in Arizona. Furthermore, as the entity attempting to collect this debt, it is your obligation to provide : Evidence that Columbia Debt Recovery LLC DBA Genesis is licensed or registered to collect debts in XXXX 

Documentation showing that XXXX XXXXXXXX transferred or assigned the debt to your company. 

Until you can provide this information, I maintain my dispute regarding this debt and request that all collection activities, including reporting to credit bureaus, cease immediately. Failure to comply with this request will result in formal complaints being filed with : XXXX XXXX XXXX XXXXXXXX XXXX XXXX The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC )
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I arranged a career services agreement with XXXX XXXXXXXX. To pay for it, they use Affirm, a 3rd-party lending service. At first, things seemed fine, but my first meeting quickly told me that this was a scam company. XXXX  XXXX has had numerous FTC complaints ( including XXXX I filed ), has been published in several articles about predatory and dishonest tactics, and more. After having my first meeting with them, I chose not to engage with them again until I had a method to secure my refund, their services are horrible - no new knowledge was gained, and my meetings times to changed around aggressively, as if to make me miss these meetings on purpose. I went to 2 meetings total and I knew this was a fake scam for sure. XXXX 's defense for not refunding me was " you signed a contract '', which yes, but the contract also assumes the services provided are appropriate for the money paid, which they are not. 

Affirm then went on record yesterday, XX/XX/XXXX, saying they are refunding all customers who have opened up a dispute. I then called Affirm, ready to finally get a refund after fighting with XXXX for nearly a year, and they told me that because 60 days had passed, they weren't able to issue a refund. My issue here is three-fold : ( XXXX ) they published saying they were refunding all cases, no exceptions, with XXXX. ; ( XXXX ) I never filed an initial dispute with Affirm because I didn't know my powers and options once I was locked it, otherwise I would have immediately ( although others who opened complaints within 3 days still were told no refunds by Affirm! ) ; ( XXXX ) XXXX  is a scam company, and I'm seeking to finally get my money back from Affirm and end this nightmare.
Product: Debt collection

Santander USA calls me every day and on at XXXX occasions they did not leave a message. On XXXX/XXXX/16 I received a phone call on my cell phone while I was at work, I advised the agent that I can only take calls that are considered to be an emergency. He states this is an emergency but a past due bill is not. He states to call them back, but the fact that an agent called me on XXXX/XXXX/16 at apprx XXXX from phone XXXX lied and I advised him I could lose my job if I have to stop doing my work to answer calls. A past due bill is not an emergency but I had an important phone call back in XXXX when my aunt passed away which was an actual emergency. I could lose my job over this. I have spoken with a few people that advised me that Santander USA has did this to them also. I also asked for help to move XXXX payment to the end of the loan but I was told I would have to wait until I made XXXX payments to do that. I am on the process of changing banks because I am having fraud issues with my former bank, I was notified they will not honor any more payments. I am willing to make XXXX payment on XXXX/XXXX/16 but I need XXXX or XXXX payments put on the backend of the loan until I get this matter straightened out. Santander should not use scare tactics to get people to talk to them, I also want late fees and any credit reporting removed from my credit report. What they are doing is illegal because the agent yesterday claimed this was an emergency which was not. I have the recorded call as proof as well. I am asking for any credit reporting to corrected due to the scare tactics, I actually have the call recorded on my phone if Santander wants to hear it. This call was about a past due balance and this was not considered to be an emergency per my employer. He states this was an emergency call, I advised I am at work but he states again it was an emergency which it was not. It is illegal for a company to claim a call is an emergency when it is not.
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. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an account with XXXX XXXX that started in XXXX, XXXX. I made a payment on XXXX/XXXX/XXXX confirmation # XXXX and they never took the money out of my account and then hit my credit with a late mark. 

I have attached a letter from my bank stating that they never tried to take money out of my account in XXXX of XXXX and that my bank never declined a payment to XXXX XXXX I never changed account numbers or anything and I made payment from the same account I have saved online. 

This error is not on my part, it is on XXXX online system and I feel it is unfair to hit my credit when it is a mistake on their part. Please remove this mark from my credit immediately.
Product: Debt collection

I need help, I have disputed a medical charge without receiving full validation and this company is now threatening me. They call during working hours etc. All I need is actual validation of this to review. Why is it so hard to obtain? Why does a collection firm need to be rude and threaten a person to pay?
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to address a concerning discrepancy in my credit report. Upon reviewing my credit report, I was dismayed to find that a few items that had previously been removed by two other credit reporting agencies has been re-verified by your agency. This has raised serious concerns for me, as the other agencies concluded that the item was unverified and subsequently deleted it from my credit report.

It is important to note that this item in question is a result of identity theft, which has caused significant distress and harm to my mental, emotional, and physical well-being. I find it deeply troubling that despite the clear evidence of fraudulent activity associated with this debt, your agency has chosen to not adhere to the regulations that mandate the validation of such debts. I must emphasize that the inaccuracies in my credit report are not only detrimental to my financial standing but also tarnish my reputation and creditworthiness. I urge you to promptly rectify this iss
ue and ensure that the erroneous item is removed from my credit report in accordance with the Fair Credit Reporting Act. I kindly request that you conduct a thorough investigation into this matter and provide me with a detailed explanation as to why the item has been re-verified despite the lack of validation from other reporting agencies. It is imperative that this issue be resolved expeditiously to prevent further harm to my
credit profile.

I appreciate your prompt attention to this matter and expect a swift resolution to restore the accuracy of my credit report. Please feel free to contact me at your earliest convenience to discuss this further. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

This is a Supplement to existing Claim XXXX currently pending before CFPB. Upon my filing a complaint, Citibank now has referred a failure to pay to the credit reporting agencies in retaliation for my filing a complaint. They call my office and cell phone on a daily basis demanding payment that is not due.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of 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

I had an account that was charged off for the amount at XXXX. Paid the settlement and it had not been deleted off my credit report of XX/XX/year>
Product: Debt collection

The basis for my dispute I C SYSTEM INC, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, {$500.00} - was required to notify me prior to XX/XX/XXXX, or no later than 30 days after. 

I C SYSTEM INCfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX XXXX section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, I C SYSTEM INC '' failed to give me my " Mini-Miranda '' XXXX days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of AR allows treble damages.

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) I C SYSTEM INC, XXXX XXXX XXXX XXXX, XXXX, failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve I C SYSTEM INCis held liable as well for defamation and in the state of AR a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX XXXX XXXX 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: Checking or savings account

Capital one is withholding direct deposit and access to funds. Although I typically receive my dd on Wednesday my actually payday isnt until Friday. It is Saturday without an eta of when the problem will be resolved.
Product: Debt collection

They call me numerous times a day with threatening voicemails about taking me to court and me having to pay court costs, but they have n't sent anything in writing stating why I owe them and for what, how much, etc. They are calling my previous place of business, my home ( which I never give out ) and my cell phone- I get at least 5 calls a day. Please help- if they would mail me validation of debt I would be more inclined to call them, but they have not. All they do is leave threatening voicemails. 

I do n't know who they are ( besides being a debt collector ) and why I owe them. They never stated what account they 're collecting on, and further more, when they call my old place of business they 're leaving a voicemail on someone else 's voicemail- this information should be private. It clearly says someone else 's name when the voicemail comes on- so they should n't be leaving a message with them at all. I have n't worked there in months. It 's humiliating because my previous employer is contacting me again about this. I 've told them to ask them to stop calling, but they clearly ( Cooper-Hoffman ) are not complying as requested.
Product: Debt collection

XXXX XXXX, Michigan - We visited XXXX  Room in XXXX. We never received statement from them. When I contacted, always numbers are busy, one XXXX I got hold of them, they said no supervisors or managers available. I left a message for someone to call back but they never did. But the amount went for Debt collection. 

XXXX is same as XXXX XXXX same as XXXX XXXX. 

We are uninsured. We didn't get discount for selfpay. They expect us to pay full amount. Their policy for 20 % discount is only 7 days. No one can pay {$3300.00} in less than 7 days without receiving statement what we are billed for and it is accurate. They should have staggered due dates like less than {$100.00} one week ; less than {$1000.00} 2 -3 weeks more than {$1000.00} atleast 1 month from the date of paper statement received. Their policy is not practical and helpful for consumers. 

I received Debt collection notice from UCB United Collection Bureau. I called them and mentioned that I have never received the statements from XXXX before. They said they don't contact XXXX. Because they don't know them. UCB said they can not make settlement with me. But they can send itemized statement. 

Again, I called XXXX XXXX XX/XX/XXXX XXXX, it says if you received collection notice, press 1, when I press 1, it always comes busy tone. Then I spoke to someone out of state, she put the notes on the account to pull it back from Collections and said someone will contact me. Until XXXX  I didn't receive any response. 

I received a call from UCB on XXXX  XXXX at XXXX with an authoritative voice stating that we have sent the itemized statement did you receive it or not. I said I didn't receive it. I also told her that I contacted XXXX and they are ready to pull the collectin back. But she we didn't hear from them. I told her to give them sometime because I just called last week XXXX. I received UCB itemized statement on XXXX  XXXX. They didnt have patience to wait one or two days to call me. 
Again, I received lots of calls from UCB but I answered only XXXX in the XXXX, I told him I just spoke to them XXXX XXXX and notes are in the account. You can not call me everyday and harass me. They started my week on the edge ;