23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Amcol Systems Inc has reported 2 accounts to all 3 major credit reporting bureaus that do NOT belong to me.

I demanded that ALL documentation regarding these two collection accounts be VALIDATED in accordance with FCRA 609c, and within 30 days from receipt of my initial request for validation but have NOT received the sufficient documentation for my review, which was : *All ORIGINAL documents baring my compete, legal, signature and dates * SSN AND DOB on accounts * proof you are able to do business in your state as a collection agency.

*contact info of owner of Amcol Systems Inc *Amcol 's license number *names and contact info of the credit bureaus representatives that were spoken to to " validate " these erroneous accounts on my credit profiles. 
*contact info for representatives that allegedly provided these accounts to you for collection. 
XXXX complete and accurate account numbers and alleged amounts due. 
* dates and times accounts were allegedly opened XXXX representative contact info whom allegedly opened accounts I also am a victim of a possible HIPPA Violation on Almco Systems Inc part according to the FCRA. 

Thank you in advance for deleting these erroneous ite.s from my 3 credit bureaus profiles as they are adversely affecting me. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

My data was used to open fraudulent accounts and charges to my credit card. I have collection accounts that I dont recognize.
Product: Student loan

Navient has my credit extremely poor, they report to the agency numerous times for the same account. I pulled my credit repot and they have it on my report 5 times. This is an illegal practice please resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX and Experian about updating my address phone number email and accounts on my credit that was open fraudulently along with hard inquiries and the only thing was fixed was my contact information and they keep updating the accounts as if I opened them
Product: Credit reporting or other personal consumer reports

XXXX  is still charging XXXX dollars for late fees, per the new law set forth by cfpb the amount that can be charged for lqte fees is XXXX dollars ( see attachment )
Product: Debt collection

These are additional issues the attorney XXXX XXXX should have addressed before this claim was filed in the lower court : BMG was sent a billing error notice, 1099-c and requested they send me a copy of the 1099-c and 1099-a also a true bill, they refused. BMG fraudulently made several loan accounts under my name. when i notified them and questioned BMG about this finding they fraudulently reported to the IRS for a tax write off and sold the debt to Absolute solutions investment, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX who, then turn around and is now Sueing under fraud.
Product: Credit card or prepaid card

my name is XXXX XXXX. I am who I say I am and no third party is involved in this complaint. 

it has came to my attention that Genesis FS Card Services, who I entered into a consumer credit transaction with to obtain their XXXX XXXX XXXX, that is issued by XXXX XXXX  XXXX has been benefiting from unauthorized use of my credit card by charging me every month so that I receive no benefit as stated under 15 USC 1602 ( p ). I am also now fully aware that I am the consumer and original creditor to this transaction in which a finance charge was involved. A finance charge is defined as the sum of all charges in any credit transaction that can not be paid in a comparable cash transaction pursuant to 15 USC 1605, But Genesis FS Card Services has repeatedly taken cash transactions from me. It has also come to my attention that my credit card with this company has not been balancing out every month as it should since this is in fact an Open Ended Consumer Credit Plan pursuant to 15 USC 1637. I am aware that Genesis FS Card Services is not only civilly liable to me under 15 USC 1640 for damages, but also criminally liable for willfully and knowingly giving me false and inaccurate information and can be fined not more than {$5000.00} or imprisoned not more than one year, or both.

I will promptly begin litigation against this company if an equitable resolution can not be reached through CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

This account had previously been disputed and removed from report. I guess another company acquired it and they were given a letter by me explaining it was removed and I again was disputing. I received a letter dated XXXX XXXX, XXXX saying they were ceasing collection. This is the second letter I received from them explaining they were ceasing collection, which I got before the XXXX of XXXX. I received my updated credit report explaining that they re-investigated and the information was said to be true. I did not receive any documents showing proof of their investigation and it is still on my credit report even though the collection agency said they were ceasing collection. My report is dated XXXX XXXX, XXXX which is after the letter from the collection agency. It should have been removed.
Product: Debt collection

I received a letter stating I owed over {$1400.00} for a credit card that I have never had and never heard of. I am trying to find out how to fight this.
Product: Mortgage

ShellPoint XXXX XXXX Estate of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX This short sale has been on-going since XX/XX/16 when it was with XXXX. It was service released to Shellpoint on XX/XX/16. Since then ShellPoint has been an absolute nightmare to work with. The list below has not only been ongoing with this short sale, but has also again happened on our most recent phone call with them YES this ALL happened in one phone call with them. The point of contacting ShellPoint was to get HUD approval to be able to close on Friday. We sent ALL the docs they need to review prior to closing on Monday WELL WITHIN TIMEFRAMES NEEDED FOR REVIEW. Today we were told that EVERYONE ASSIGNED TO THE FILE WENT ON VACATION INLCUDING THEIR MANAGEMENT!!!!! Clearly there is no oversight or supervision at this company. ShellPoint did each of the items below just on THIS call alone : 1 ) No SPOC 2 ) Lack of enough staff -- we have been told that they dont have enough people there by our negotiator, management, and front end staff 3 ) No designation of fill in employees when management and staff all go on vacation at the same time 4 ) Condescending attitude when asked why there is no one assigned to a file scheduled to close 5 ) Shellpoint ( or whatever their name is this week ) does n't take loss mitigation, XXXX, or FDCPA seriously and believes that it is a joke 6 ) No one returns calls. Their messages say calls will be returned in 24 hours but i have never had anyone call me back 7 ) We have to throw a fit to get them to do anything at all especially if they have to find the appropriate person to take care of the issue 8 ) ShellPoint doesnt care about deadlines or making sure a short sale closes on time. They have no sense of urgency or obligation to their investor or borrower. They will be the first to blame this on the borrower and then just cancel the file out of spite. ****We have closed over XXXX short sales and ShellPoint does all of these things on EVERY file we have ever had with them. No doubt by now they have accumulated enough complaints to be fined hundreds of millions of dollars likely even into the billions at this point. When is the CFPB going to fine them like they fined XXXX for their illegal and unethical behaviors?
Product: Credit reporting or other personal consumer reports

I am writing to formally contest and dispute the inaccurate reporting of the accounts on my credit report. Upon contacting the relevant companies, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the accounts would be promptly updated. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal laws and my rights as a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is sharing my transaction history on my consumer report without my consent, account # XXXX XXXX XXXX  ( XXXX ), XXXX  XXXX ( XXXX ), XXXX XXXX XXXX  ( XXXX ), Dept of ed ( XXXX ) that is illegal please delete the late payment or items marked as late from my consumer report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. two fraudulent accounts unauthorized identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Disputed 6 late payments entries with all 3 credit bureaus transunion, XXXX and XXXX for XXXX XXXX XXXX after they failed to update my credit file. I had 6 late payments with XXXX XXXX XXXX due to losing my job during the pandemic. I reached out to XXXX XXXX XXXX and the XXXX XXXX XXXX and XXXX XXXX XXXX agreed to mark 5 of the 6 late payments to neutral for the 5 late payments for XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. The changes reflected in XX/XX/XXXX. On XX/XX/XXXX when I checked my credit it showed I had 19 late payments which is completely incorrect. This incorrect information dropped my credit score by 100 points.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I deposited a check of {$1800.00} which I received from a company for my internship to purchase training equipments. 
Bank of America credited the amount in my account without any disclosure that its under process or any warning that check hasnt cleared but we have still credited the amount in your account. The internship company asked me to XXXX  {$1700.00} to a vendor in XXXX to purchase the equipments, which I did. 
On XX/XX/2022 Bank of America reversed the transaction claiming that the check didnt clear leading to my account going in negative. 
It amazes me that why would Bank of America credit the amount if the check never cleared, this lead to me losing money from my account and my balance going in negative. 
As a student in XXXX, who has come from XXXX, it causes so many hardship because the banking system doesnt do its due diligence before crediting an amount from the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXXXXXX XXXX Balance : {$660.00} ; XXXXXXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$710.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Effective XXXX, 2020, Wells Fargo Home Mortgage sold/transferred my home loan to XXXX XXXX XXXX - ( Documents 1 & 2 ) 2. XXXX XXXX XXXX didn't start reporting my account to the credit bureaus until XX/XX/2020. 

3. My XXXX  report reflects a good Fico score and a good payment history. ( Document 3 ). 

4. After XXXX XXXX XXXX started reporting to Equifax, on XX/XX/2020, my credit score dropped 60 points. ( Document 4 ). I still haven't heard back from XXXX.

5.. After XXXX XXXX XXXX started reporting to XXXX, XXXX XX/XX/2020, my credit score dropped 61 points. ( Document 5 ). No one at XXXX can explain to me why other than the Wells Fargo Home Mortgage was closed. 

I'm at my wits end! I have a 100 % pay on time pay history! These inaccuracies have severely affected me. I have tried to refinance my home to no avail and apply for a small business loan. 

The explanations for the changes in the XXXX  and XXXX credit scores do not make sense. The explanations provided do not equate to a 60 point drop. 

I need this matter investigated. Hopefully, you can get some answers.
Product: Vehicle loan or lease

I reported that this inquiry for an auto loan from XXXX was inaccurate and needed to be investigated more so it could be removed from my credit report
Product: Credit reporting or other personal consumer reports

Equifax is reporting allege late payments on several account that is incorrect. These late payments are affecting my credit. The accounts listed below need to be updated immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Debt collection

Debt was discharged due to switch over to new family plan around the end of XXXX to the beginning of XXXX. XXXX stuck me with a bill of XXXX dollars plus and extra XXXX dollar bill for interest, and other rate hikes, but the XXXX dollars is not mine nor is the XXXX to whatever it is. I been a victim of fraud I am a protected veteran and servicemember.
Product: Debt collection

I have received a notice of a debt collection from Phoenix Recovery Group. The notice doesn't have my correct name, but a name very close to mine. So I thought it may be a mistaken identity or a identity theft. therefore, I have filled an identity theft through the FTC website and send them a formal letter informing them of their obligation to send me all the necessary documents related to this case. Since I haven't received a reply to my letter, I tried to contact the collector by phone to get the paper work related to the case so I can understand the charges or the services that reflect the debt. 
Every time I try to contact the debt collector, they transfer my call to an answering machine and no one calls me back. It is frustrating and time consuming. 
Also, every time I talk to the receptionist, she takes my social security and date of birth then a recording tells me that this information can be used in the case against me. 
The debt collector has contacted the credit bureau of XXXX XXXX and XXXX even with my repeated requests that they should not do that while I am disputing this information. SO I had to lunch a dispute with all credit Bureaus. 
The notice of Debt contains the original creditors ( XXXX XXXX XXXX ). I tried to contact them but they were unresponsive and the management has never contacted me back. I may have left at least 5 messages. Again, I have told the receptionist of the management obligation to contact me and provide me with information on what the charges is about. All I got is that this charge reflect time spend on their apartment complex at XXXX NC. I am a resident of Virginia and I have never lived on those apartments nor I had any dealings with XXXX XXXX XXXX company. I have filed a police report with XXXX XXXX and I am waiting for their response. Last time I talked to XXXX police, they told me that this may take some time since they have a backlog due to the recent data breaches from XXXX   and others. 
I strongly think that both companies ( Phoenix Recovery Group ) and ( XXXX XXXX XXXX ) have mishandled my information and exchanged my Personal Identification Information improperly. They did not do their due diligence of allocating the correct person responsible for this charge and they have used improper tactics of sending this collection to the credit bureau to pressure me to accept the charge.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. These late payments are erroneous and do not accurately reflect my payment history for XXXX XXXX Account # XXXX. ** Complaint Details Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account was refinanced and should reflect a history of timely payments.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( 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 to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages.

Discrepancies in Payment History TransUnion : Shows incorrect 30-day late payment statuses in XXXX and XX/XX/year>. My records indicate that payments were made on time. 
XXXX and XXXX : No late payments reported ; however, the errors in XXXX reporting affect my creditworthiness across all bureaus. 
Requested Resolution I request that TransUnion conduct a thorough investigation into this matter and remove any inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX and XXXX to have three different items remove d because they are inaccurate and two are false information by the company. They have failed to do so and I've sent countless letters stating they weren't mine and they were inaccurate and they could removed. But they are still remaining on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these accounts below have violated my rights. 

15 U.S.C 1681section 602A states I have the rights 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.. 


XX/XX/XXXX{$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX {$80000.00} XXXXXX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX
Product: Mortgage

The borrower is an XXXX with XXXX. He had arranged a modification of a mortgage which was excessive in valuation, and the prior bank, XXXX XXXX XXXX, refused to honor the modification agreement. Then, the current servicer, XXXX XXXX XXXX XXXX XXXX, as trustee, foreclosed on the premises and sold it to itself. On XXXX XXXX, 2016, the mortgage servicing agent Northstar ( I recall ), sent a letter that the balance of the mortgage including legal fees that was due and owing was around {$180000.00} ( it might have been $ XXXX ) as of XXXX XXXX, 2016. The Bank foreclosed on the property around XXXX in 2016 and the referee 's report relied on XXXX XXXX XXXX XXXX. 's representation that the indebtedness was around {$420000.00}. The referee reports selling it to XXXX XXXX XXXX XXXX. 
for around {$380000.00} for XXXX dollars and other consideration. After researching the land records in XXXX County, New York, I can come to no other conclusion than fraud in regard to this discrepancy. I sent a notice letter to the Bank 's current attorneys and received no response thereto. My client remains in the premises with his wife ; the Bank has filed an L & T petition to evict him in the XXXX Justice Court ( with there being improper service of the notice of petition and petition ), which date is XXXX XXXX. It 's likely that I will need to file a chapter XXXX bankruptcy with an automatic stay to preserve my client 's rights in his equity and possession of his and his wife 's residential premises. I am not certain the extent and nature of the probable fraud and of its civil nor criminal implications in its entirety, but it appears to me to be sufficient for a criminal RICO indictment. The borrower now has a social security card and green card ( although he was eligible for TARP modification without it ).