23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Penn Credit Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Collection Account Account Number : XXXX Dear Penn Credit Corp , I am writing to formally dispute the validity of the collection account referenced above. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, I request that you cease all communication with me regarding this account. 

I believe that the debt claimed is inaccurate, and I am entitled to request verification of this debt. Please provide the following information : 1. The amount of the alleged debt.

2. The name of the creditor to whom the debt is allegedly owed.

3. Documentation that verifies the debt and confirms that you have the right to collect it.

4. Any relevant account statements or records pertaining to this debt. 

Please note that I am not refusing to pay a valid debt ; however, I require proper validation before any further action is taken. I expect your response within 30 days of receipt of this letter. If you do not provide the requested verification, I ask that you promptly remove this account from my credit report and cease all collection activities. 

Thank you for your attention to this matter. Please send all correspondence regarding this dispute to the address listed above. 

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

Tax Lien still showing on my credit report. It 's been over 7 years. The tax lien was showing a property in another county that I have never lived in.
Product: Mortgage

I bought a new home in LA and Loancare was my original mortgage servicer in XX/XX/2019. After making one monthly payment in XX/XX/2019, I received a letter stating that Loancare was transferring my mortgage to XXXX XXXX, so I started paying XXXX XXXX from XX/XX/2019 onwards. However, I missed the part where the loan transfer date was XXXX, not XXXX. I immediately paid Loancare for the XXXX payment when I realized my mistake and showed them proof that I had paid XXXX XXXX by mistake. Loancare refused my request to remove the " late payment '' mark on my credit reports even though I paid XXXX XXXX on-time for the XXXX payment ( by mistake ). This was an honest mistake but I am unable to convince Loancare that I made the payment to the wrong servicer. They just assumed that I was negligent with the late payment, which is not true. They were only my mortgage servicer for 2 months, yet their insistence on leaving the " late payment '' record on my credit reports is causing a huge impact on my credit scores. Please help me reason with Loancare that this was an innocent mistake and they should consider removing the " late payment '' record. Thank you.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1400.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my XXXX XXXX consumer report and noticed a fraudulent account reporting in collections from company name SPRING OAKS CAPITAL. I immediately called XXXX XXXX to dispute the account and to obtain the account number since it was not present on the report. The Fair Credit Reporting Act, 15 USC 1681e reads - Compliance Procedures ( b ) Accuracy Of Reportreads, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. MAXIMUM POSSIBLE ACCURACY MAXIMUM IS 100 %. This account isn't accurate at all. I haven't been able to sleep great at night since seeing this account on my consumer report knowing it's not mine. I feel like I'm being taken advantage of and its stressing me out because I'm getting denied credit due to this account. I'm unable to live my best life because of this account. Furthermore when I called XXXX XXXX, a male rep stated to me that he could not provide me with the account number to this collection account and that I can call the collection company to get the account number myself. I felt like that was very rude so I said no problem, I called SPRING OAKS CAPITAL and spoke with a female rep. The rep stated " this is an attempt to collect a debt, and any information obtained will be used for that purpose. '' I told her I dispute the debt and that its fraudulent. The rep said great, ok, and she's glad I called to let them know about the account as well as they will investigate. First and foremost why do I need to let SPRING OAKS CAPITAL know about an account that they claim to know so much about that they reported the account to XXXX XXXX as a collection. SPRING OAKS CAPITAL nor any of its agents/officers/directors haven't spoken to me, nor received written communication from me until they reported a fraudulent account on my consumer report. I also asked the rep for the account number and the rep stated its # XXXX. How are they conducting an investigation, with whom are they conducting an investigation with, and for what when this SPRING OAKS CAPITAL account do NOT belong to me? It's clear this company is in violation of the FDCPA and FCRA. I do NOT and nor have I ever had a contract or an agreement with SPRING OAKS CAPITAL. This account is fraudulent and need to be removed from my consumer report immediately.
Product: Student loan

I have tried to make large payments on the account beyond the payment plan. When I do, and mark it for principal only, they ignore that and apply only a portion to principal and the rest to interest. 

I called twice and each time they basically said " tough luck, '' that's how they process it. They flatly refuse to apply all extra payments to principal only. 

But the problem is, if I am making a XXXX or XXXX payment in order to pay off the loan faster, they're charging me incorrect interest - more than they are entitled to under the terms of the loan. 

They're taking out interest on a loan that will take another thirty years to pay off, instead of a loan that takes less time to pay off, because I am paying it off faster. In other words, they are collecting more interest than they should. 

They refuse to apply the additional principal-only payments to principal only. They always apply some of that payment to interest based on the loan taking another thirty years to pay off, even though if they applied my additional principal-only payments, the loan would take less than thirty years to pay off. This is the equivalent of a mortgage company refusing to apply principal-only pre-payments on a thirty year mortgage and always taking a % of those payments for interest calculated on a thirty-year loan, regardless of how fast the loan is actually paid off. 

I have been paying down the loan for twenty years already!
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I came across CFPB Experian lawsuit. 

I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were verified Come with the receipts, be quick to delete Period
Product: Credit reporting, credit repair services, or other personal consumer reports

I opted out of XXXX XXXX  products and services XX/XX/2022 and yet they are still reporting false information. Then throwing the buck on Bank of America. BOFA claims they did not report such incidents to them now having verified through a previous banking transaction it has been confirmed that they are still reporting false information. When speaking to them them about it I was laughed at and denied a higher tier request. You guys have peoples lives in your hands its not funny at and should be handled accordingly.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$6200.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

- In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX 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
Product: Checking or savings account

I got scammed out of a check deposit I known nothing about. I checked my bank account on XX/XX/XXXX & seen it was a check deposited in my account on XX/XX/XXXX. I also made payments while the check was in there. I do not give my information to no one. I feel somebody stole my information some type of way because the check states my name on the mobile deposit.
Product: Checking or savings account

I opened an account at JP Morgan Chase Acct. XXXX and they denied my first social security deposit. JP Morgan Case XXXX as XXXX Case as JP Morgan Chase Claim Number XXXX. XX/XX/year> XXXX at Chase said " deal with XXXX stuff. 

XXXX XXXX said XXXXXXXX XXXX  sending check returned by JP Morgan Chase XXXX 

XXXX XXXX said XXXX XXXX days cash would arrive, but hasn't. 

I owe JP Morgan Chase {$170.00}, as Claim No. XXXX as XXXX XXXX. 

XXXX my money was sent to XXXXXXXX XXXX XXXX credited to account number XXXX.
Product: Credit card or prepaid card

The account XXXX credit card ) from Wells Fargo closed on XX/XX/XXXX2012. Although I was aware of it and paid the debt, somehow it was still on the credit report. The amount was {$2200.00}. With some help from my parents, I was able to pay the debt.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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 had initiated a dispute with Equifax on XX/XX/2018 due to XXXX XXXX XXXX reporting an inaccurate balance for a creditor that had been settled with. Its been 4 months which is well over the alotted time for a company to respond to a dispute before it has to be removed by the reporting credit bureau. I called to inform Equifax of these facts and they claim to not have any record of my XX/XX/XXXX dispute even though my credit report indicates that it is in fact in dispute with the comment " consumer disputes information ''. After requesting that it be removed per FCRA laws they refused and only offered to place it in dispute once again. My credit reporting is being marred by the debt collector with misinformation and by Equifax for not using due diligence in deleting it from my report for the debt collectors failure to respond within the alotted time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursant to 18 USC 8, I owe no debt, This company ( ENHANCED RECOVERY COMPANY ALSO KNOWN AS XXXX  but showing up on my consumer report as XXXX XXXX ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or information, other than records of convictions of crimes which antedates the report by more than seven 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 know or has reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy an confidentiality THIS SHOULD BE REMOVED IT ALREADY STATES THAT IT MEETS THE FCRA REQUIREMENTS TO BE DELTED THIS ACCOUNT IS FRAUDULENT
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

Experian Information Solutions Inc. stated my account was properly investigated, however, how is that possible when the following items are incorrect : In accordance with the Fair Credit Reporting Act, Ex

perian Information Solutions Inc. has violated my rights. 15 U.S.C., 1681 Section 602 A. States I have the right to privacy. 15 U.S.C., 1681 Section 604 A. Section 2. It, also, states a consumer reporting agency can not furnish an account without written instructions. 

The following items are all violations : Experian Information Solutions Inc. : XXXX XXXX violations XXXX Account #, account type, account type-detail, bureau code, account status, monthly payment, date opened, balance, no. of months, high credit, credit limit, past due, payment status, last reported, comments, date last active, date of last payment Experian Information Solutions Inc. : XXXX XXXX XXXX XXXXXXXX Account #, account type, account type-detail, bureau code, account status, monthly payment, date opened, balance, no. of months, high credit, credit limit, past due, payment status, last reported, comments, date last active, date of last payment Experian Information Solutions Inc. : XXXX XXXX XXXX XXXX Name of the original creditor, Account #, account type, account type-detail, bureau code, account status, monthly payment, date opened, balance, no. of months, high credit, credit limit, past due, payment status, last reported, comments, date last active, date of last payment
Product: Mortgage

My wife and I currently have a XXXX and XXXX mortgage on our home. The XXXX mortgage is with XXXX and the XXXX with Suntrust Bank, In XXXX my wife file for chapter XXXX and it was granted. We immediately contacted the lenders to ask for assistance, XXXX was a challenge but your agency assisted us and we were able to obtain a loan modification, we are current with XXXX and have no late payments. The second lender Suntrust was more difficult as they only offered to transfer the entire balance to interest only. for the past 3 years the interest only payment was {$110.00} and we would pay {$200.00} monthly. Today XXXX/XXXX/XXXX we received the monthly statement and the payment has increased to {$400.00}, W e received no warning to this change. We are asking for the agency 's assistance to investigate this sudden change and if Suntrust would look into another solution for us. We struggle each month to make payments but have been making them and on time. I am not computer savy but my wife did save the emails from Suntrust Bank from XXXX to XXXX XXXX - loan officer NML # XXXX that requested hardship notification. Suntrust in XXXX/XXXX/XXXX made XXXX XXXX from the Equity line Modification division the final point of contact sending an email stating that the entire balance was transferred to INTEREST ONLY OPTION.. That email was received on XXXX/XXXX/XXXX. We have even attempted to refinance the mortgages to XXXX lender XXXX since the have the primary but after speaking to a loan officer we were told that due to my wife 's XXXX bankruptcy the loan was NOT REAFFIRMED. The bankruptcy attorney told us that a REAFFIRMATION was not necessary 6 years later and that XXXX was not interested in doing the refinance that would have consolidated the debt and made the monthly payment still within our budget. The SUNTRUST account no. is XXXX. The XXXX account no, is XXXX, We have received Dodd Frank packets from XXXX at least XXXX times and have completed and sent the documents XXXX times, We have never received those documents from Suntrust nor do we know that they should be in compliance with the act. all we want is to keep our home and with payments that we can keep managing. The best contact number for us is XXXX and the email is XXXXXXXXXXXX. We look forward to any helpful information/ assistance the agency can provide. Sincerely, XXXX and XXXX XXXX