AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: SEVEN/TEN YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINESThree new decisions - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ; and XXXX v. XXXX , XXXX ( XXXX ) XXXX XXXX XXXX ( ordered depublished XXXX XXXX, XXXX ) - have changed, clarified, or confused ( depending on your point of view ) the legal landscape in California as to the legal obligations of so-called " furnishers '' who furnish credit-related information concerning consumers to credit reporting agencies. These cases address the obligations of furnishers under federal and state law to supply accurate information, as well as a furnisher 's obligation to " reinvestigate '' a consumer 's dispute. These cases also indicate that, for the time being at least, a heretofore unrecognized private right of action exists under Civil Code 1785.25 ( g ) and 1785.31 for failure to accurately report credit information in violation of 1785.25 ( a ). An understanding of the relevant history is important before one can properly evaluate the current state of the law and the XXXX and XXXX decisions. 
The Original FCRA Legislation Applies To Credit Reporting Agencies OnlyThe Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in XXXX. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement " reasonable procedures '' for ensuring that credit information about a consumer was collected, maintained, and dispensed " in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information ... '' FCRA, 15 U.S.C. 1681 ( b ) ; XXXX XXXX. XXXX of XXXX. v. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX. The Congressional findings noted that " [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumer 's right to privacy. '' FCRA, 15 U.S.C. 1681 ( a ) ( 4 ). However, the credit bureaus do not follow through with any methodology a system that automatically removes an antiquated credit trade line, which leave creditors in control to remove a negative trade line at a later date by simply re-aging the trade line payment history. 
Notice that a positive trade line can be maintained for a ten year timeline from the credit procurement after the account has been closed out. The ten year timeline carries from the date the credit trade line was first reported to a credit reporting agency, or from the date of procurement of the debt. 
I demand the above referenced credit trade line removal based upon the passing of the seven/ten year timeline. And I maintain that there is no further relevancy to the debt being posted under FCRA guidelines. The above-referenced state cases show that the accuracy of credit reporting carries into state court cases as well, whereas a creditor can be brought up on serious civil charges outside of federally protected jurisdictions under FCRA. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I have a FHA mortgage loan on my condo through Bank of America. My original mortgage date was XXXX XXXX. But then I refinanced in XXXX XXXX. My original LTV ratio was over 80 % so I was required to pay PMI of {$360.00} per month. Currently I have {$360000.00} left on my loan and my condo was original assessed at {$460000.00}. I expect it would assess for at least that much today which leaves me under the 80 % threshold. I contacted BofA to ask about removing PMI but they are telling me since I refinanced less than 5 years ago they do n't have to remove PMI and I should contact them again in XXXX. 

Is this accurate? I thought once I had a LTV below 80 % I could contact my lender about removing PMI or at the least the 5 years should count from the date I bought my home not when I last refinanced. 

Company response: Company chooses not to provide a public response
Consumer complaint: Account Resolution Services, LLC ACC # XXXXPhone : ( XXXX ) XXXXFax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Account Resolution Services, LLC ACC # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : Account Resolution Services, LLC ACC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Santander is not following XXXX guidelines for XXXX lien holders. I am currently in the process of doing a short sale. The first lien holder - XXXX has approved our short sale and allotted Santander the required amount. Santander is dragging their feet not issuing an approval. The first lien holder will not stop the scheduled sheriff 's sale for Monday XXXX XXXX without Santander issuing an approval letter. We are doing the right thing following XXXX guidelines for a short sale and Santander is not. 

Company response: Company chooses not to provide a public response
Consumer complaint: SEVEN/TEN YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINESXXXX new decisions - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ___ XXXX ___, XXXX XXXX XXXX ; XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( ordered depublished XXXX XXXX, XXXX ) - have changed, clarified, or confused ( depending on your point of view ) the legal landscape in California as to the legal obligations of so-called " furnishers '' who furnish credit-related information concerning consumers to credit reporting agencies. These cases address the obligations of furnishers under federal and state law to supply accurate information, as well as a furnisher 's obligation to " reinvestigate '' a consumer 's dispute. These cases also indicate that, for the time being at least, a heretofore unrecognized private right of action exists under Civil Code 1785.25 ( g ) and 1785.31 for failure to accurately report credit information in violation of 1785.25 ( a ). An understanding of the relevant history is important before one can properly evaluate the current state of the law and the XXXX and XXXX decisions. 
The Original FCRA Legislation Applies To Credit Reporting Agencies OnlyThe Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in XXXX. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement " reasonable procedures '' for ensuring that credit information about a consumer was collected, maintained, and dispensed " in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information ... '' FCRA, 15 U.S.C. 1681 ( b ) ; XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, XXXX. The Congressional findings noted that " [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumer 's right to privacy. '' FCRA, 15 U.S.C. 1681 ( a ) ( 4 ). However, the credit bureaus do not follow through with any methodology a system that automatically removes an antiquated credit trade line, which leave creditors in control to remove a negative trade line at a later date by simply re-aging the trade line payment history. 
Notice that a positive trade line can be maintained for a ten year timeline from the credit procurement after the account has been closed out. The ten year timeline carries from the date the credit trade line was first reported to a credit reporting agency, or from the date of procurement of the debt. 
I demand the above referenced credit trade line removal based upon the passing of the seven/ten year timeline. And I maintain that there is no further relevancy to the debt being posted under FCRA guidelines. The above-referenced state cases show that the accuracy of credit reporting carries into state court cases as well, whereas a creditor can be brought up on serious civil charges outside of federally protected jurisdictions under FCRA. 

Company response: Company chooses not to provide a public response
Consumer complaint: They keep calling my land line phone number to collect a debt for the person who, apparently, used to have my current phone number. I 've had this phone number for approx. 5 years now, and they continue calling for someone else, asking if I know this person, if I have any information about their whereabouts, etc. I have no idea who this person is or where he is, etc, I 've asked them to stop calling my number, and they keep calling it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter initiating " collection action '' for a purportedly unpaid utility bill. The mailing address was correct, and I have an account with the utility company, but the addressee was " XXXX '' ( I have a residential address ), and the account number given was not mine. I have never received a bill from the utility company with that addressee name. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Progressive Finanical calls up to ten times a day or more. They call from several different numbers and states, including the XXXX XXXX. The calls start before XXXX and do not stop until after XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: violators of fcra, fdcpa, and tcpa. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX XXXX, FL XXXXXXXX, GA XXXXXXXXExperian Dispute Department XXXX, Texas XXXXXXXX, PA XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX # XXXX Recent balance {$2000.00} as of XX/XX/XXXX Date opened XXXX/XXXXXXXX Account number # XXXX Recent balance {$1300.00} as of XXXX/XXXX/XXXX Account number # XXXX .... 
XXXX Account number # XXXX .... 
XXXX Account number # XXXX .... 

I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX ( XXXX ), and XXXX, XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX, FL XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX, we sold our home and closed our mortgage, which had been serviced by BB & T. BB & T was supposed to send us our remaining funds held in escrow. BB & T claims that they did so on or about XXXX XXXX. However, we never received the funds. After XXXX calls to the company in the late-XXXX time-frame, we were advised that we could call on or after XXXX XXXX in order to have the check re-issued without penalty. We did so. A replacement was allegedly sent to our new home address on XXXX XXXX. As of XXXX XXXX, we have still not received the escrow funds amounting to over {$4900.00}. After another call to the company, BB & T claims that we can wait again until XXXX XXXX to have a replacement check cut again without penalty. However, the company has offered no proof that the checks were ever transmitted before, no willingness to waive its " penalties '' ( which are likely booked as profit ) to re-cut the check and no interest in providing us with tracking information to confirm that the check is mailed or received. 

Company response: Company chooses not to provide a public response
Consumer complaint: Our small business signed up for a business bank account. With it, came a credit card for " no additional fee '' as quoted by our Wells Fargo Banker. A year later, the card gets hit with a {$50.00} Rewards Membership Fee, a program to which we never opted in. After discussing with a representative, the program auto-renews every year without notice, and requires that the account holder call and opt-out of the program to avoid a {$50.00} annual membership fee. This is just an example of the deceiving practices still used by banks and credit card bureaus. Luckily no money was ever spent on the card, so we noticed this, but applying the automatic renewal charges like this to a business card is sneaky and an easy way for banks to collect additional revenue. The bank removed this charge " as a courtesy '' but did n't view this as it 's responsibility. 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone used my name and credit information to open a XXXX credit card at a XXXX ' in XXXX, LA at store XXXX on XXXX/XXXX/15. I called the fraud dept at XXXX and the card has been closed. I filed a police report in my town. I got in contact with the XXXX credit bureaus to put a XXXX fraud alert on my account. When I get the police report, I will extend this to 7 years. 

Company response: Company chooses not to provide a public response
Consumer complaint: After refinancing my home I was only given temporary payment coupons to make my payment. Once I received my first paper statement it showed a shortage of XXXX. My first statement was received on or about XXXX XXXX. I contacted XXXX, the mortgage company and attempted to correct the discrepancy, however, XXXX was in the process of selling my loan and was unable to assist me in any way and was instructed to call the new loan servicer ( SLS ) to correct any problems. SLS was unable to assist me until they processed the loan after XXXX XXXX. I contacted them again on XXXX/XXXX/2015 and XXXX and was informed that they do not have any information prior to their taking control of the loan and offered to request my statements from XXXX Mortgage to review. No statements were ever sent to me. I contacted SLS again approximately the middle of XXXX to attempt some resolution. After speaking with the agent she was able to see past payment activity and was able to locate the issue of XXXX Mortgagemisapplying my first payment causing payments to be late from that point forward. Now I am in a situation were neither mortgage company claims to have the ability to assit me in the matter. I made contact with the first mortgage company as soon as I received my first statement showing a discrepancy was sent and made me aware. 

Company response: Company chooses not to provide a public response
Consumer complaint: The first call I wastold about owing the debit. I questioned the debit and requested an invoice. The collection agency then gave me a number to call to find out more about the debt. The number was to an over seas call center who informed me they could not send me an invoice because the invoice would be marked as paid. I then call the vendor ( XXXX XXXX ) who indicated that I did not owe anything to them and they did not send it to collectiona. The vendor called debt collection and took care of the matter. A month later I received another call from this collection agency on the same debt. I indicated I did not owe this, the vendor does not think I owe them, and to stop calling me. I was then told that they would decide the matter for me. When this collection agency calls it is a robo call and even if you answer the phone they just give a recorded message to call back. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXTransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX XXXX # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX # : XXXX XXXXI 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My complaint is with : Select Portfolio Servicing XXXX Inc. ( aka SPS ). I have attempted, over the last 4 years, to get a " Loan Modification '' with this servicing company. I first started this process with XXXX Bank on XXXX XXXX. It was as though, once I had been approved for a loan modification, the loan got sold off to a different investor and I had to start the process all over again! I am 4 years behind in this mortgage. This property is in XXXX XXXX and is " Under Water ''. There have been XXXX written apprasals on this property over the past 2 years, ordered by SPS. The range has been between {$75000.00} and {$92000.00}. I asked for a principle loan reduction. I was lead to believe that they would consider it once I made XXXX payments of {$930.00}. I made these XXXX payments on time from XXXX XXXX thru XXXX XXXX. The loan modification was approved with no principle reduction and all of the accruded principle, interest and fees were wrapped up in the new loan with a modist reduction in the interest rate and monthly payment. This home is not my primary residence. It is a rental property. SPS has a program for rental properties. Due to the extended amount of time and personal expense that I have gone through over the last 4 years, I am in need of that principle reduction. I feel as though I have been wronged and manipulated by this servicer. Please see what you can do to help me with this situation. Thank-you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was refused Credit card based on filing bankruptcy 20 years back. They are using there information to process credit card rather using Credit Bureau. 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a payment with Berkley XXXX for XXXX on XXXX/XXXX/2015 through my credit union checking account. The payment confirms the last XXXX of the checking account number. My bank informed me that XXXX tried to run it through my savings account. The payment was declined and I was accessed a fee by my bank. My bank waived the fee as the fault was not mine and informed me I needed to contact visa and tell them to be sure to rerun it as a checking account. After numerous calls to Berkley all I get is that the payment was honored, they did not submit it through savings, and there is nothing they can do. The fact that the calling center is out of the country is only compounding the problem. I offered to resubmit the payment on my debit card if they would cancel the other payment. They said they could not do that. So at this point I am going to be assessed nsf and late fees on my credit card as well as be reported last to the credit bureau through no fault of my own. 

Company response: Company chooses not to provide a public response
Consumer complaint: US bank is reflecting on my credit report that I was 30 days late in the month of XX/XX/2015, when I actually paid off the account on XXXX/XXXX/2015 before the payment was even due. I need this account to be updated on my credit report as being never late and the 30 day late removed as it is stopping me from purchasing a home. 

Company response: Company chooses not to provide a public response