23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year>, I submitted a formal debt validation request to ProCollect, Inc. regarding two alleged debts ( Account Numbers : __ and __ ). Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), ProCollect is required to provide full validation of the debt upon my request, including any supporting documentation substantiating the debt and confirmation of their authority to collect in my state. 

On XX/XX/year>, ProCollect sent an incomplete response, which included only : A partial incomplete copy of the original lease An itemized bill An incomplete rental application Contract information for a lease term insurance group ProCollect failed to provide other requested documentation essential for validating the debt, including : Proof of full payment history. 
An itemized breakdown of charges. 
Chain of title, showing the transfer of the debt. 
Confirmation of their authorization to operate and collect debts in Illinois. 
Documentation showing that ProCollect is legally permitted to pursue collection and report this alleged debt. 

They also did not provide validation that they have the right to charge or pursue this debt based on Illinois state requirements. Since I am in an active dispute with the original creditor, XXXX XXXX, regarding the validity and accuracy of the alleged debt, this account should not be reported to credit bureaus until it is resolved under FDCPA - 15 U.S.C. 1692g ( b ). ProCollect 's incomplete response within the required 30-day period violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).
Product: Debt collection

NCC BUSINESS SERVICESXXXX XXXX, FL XXXXXXXXTel ( XXXX ) XXXXXXXXFax XXXXXXXXDear 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 NCC BUSINESS SERVICES 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 : NCC BUSINESS SERVICESor 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, XXXXSOC SEC # XXXX DOB XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been wilfully violating the FCRA code 15 U.S. 1681p statute of limitations, Transunion has the documents with he original date of delinquency, and has been reproting the delinquent account past the 7 year statute, the claim that they are, or have investigated the matter to delete the account from family support services XXXX XXXX, the creditor has not responded to the credit bureau about my disputed, and it has been beyond 30 says, nor has transunion credit bureau deleted the account, Transunion is doing everything in their power to keep this account on my credit past statute of limitations, then the CFPB let 's them close out his complaint with no resolution, my next step is to contact the Federal Trade Commission myself and file a complaint, because nothing is being done to transunion to ensure they follow the FCRA, Transunion is close to being sued in federal court if they do not delete this account and quit displaying willful non compliance, ONCE AGAIN TRANSUNION IS ABOUT TO BE SUED FOR NEGLIGENCE. DELETE THIS CHUKD SUPPORT ACCOUNT, IT IS A YESR PAST STATUTE OF LIMITATIONS AND THEY WILL BE SUEDIF IT ISNT REMOVED FROM MY CREDIT! ITS NOT ON THE CREDITOR ANYMORE, IT IS SOLELY ON TRANSUNION. Transunion needs to stop lying, it is not through a third party.
Product: Mortgage

I 've complained already once about Lend Smarts employee - XXXX XXXX ( alias ), legal name XXXX XXXX working with confidential information, specifically thousands of social security numbers when he previously used social security numbers to obtain credit cards in others names. He is a convicted felon and I am wondering why and how he continues to work in the mortgage industry when his background check shows this and shows that he continues to have no moral compass. I am requesting an actual follow-up to this matter rather than it just being closed with no response. I am also requesting who else I can contact with regard to this matter.
Product: Mortgage

Planet Home Lending approved my first forbearance in XX/XX/year>, with payments beginning in XX/XX/year>. I made on-time payments from XXXX through XXXX, which were properly reported to the credit bureaus. However, on XX/XX/year>, the bank reported my XXXX payment as late, despite their billing statement clearly indicating that I was in forbearance and that the payment was due by XX/XX/XXXX. They did the same on XX/XX/year>. Although I was approved for a second forbearance from XXXX to XX/XX/year>, and made on-time payments during that period, they reported my XXXX payment as late, even though the billing statement indicated that I was still in forbearance and that the payment wasn't due until the XXXX. 

In both XXXX and XXXX, they reported my payments as late without giving me a chance to make a payment. Whenever I call Planet Home Lending to explain the situation, I feel like I'm speaking to a wall, and I can't get any resolution. These incorrect late payment reports have caused significant hardship for me. 

The billing statements are legal and binding documents. Both the XXXX and XXXX statements clearly indicate that I was in forbearance, with payments due on the XXXX of each month. However, despite this, late payments were reported on the XXXX of each respective month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out there are 3 accounts with XXXX XXXX  being reported to credit reporting agencies which are not mine I filed police report and notified my identity theft issue with XXXX, XXXX  and Equifax on XX/XX/2020, and since then I have seen no results nor any proper investigation and i have been given run around by these credit reporting agencies for the past 70 days. Based on FCRA I was suppose to get results by 30 days and so far my identity theft issue has not been take care of. At the time of this COVID-19 that even US Senate specifically asked these credit reporting agencies to look after the consumers and protect consumer 's credit worthiness I see clearly that these agencies are ignoring the FCRA and US Senate.
Product: Credit card or prepaid card

I have been a victim of Scam Call who posed as a Law Enforcement Officer and scammed me of {$10000.00} in the form of XXXX Gift Card.  Within few hours of sending the information to the scammer, I realized it is a scam and immediately called the bank to stop the transaction. The bank said they can not stop the transaction unless the merchant can stop it on their end. I called the merchant and they said they can not do anything unless the bank files a fraud complaint.I called the bank again to file a fraud complaint and after several calls and many hours of hold, the bank declined to file a fraud complaint. The bank said the fraud complaint will be declined and they don't think filing a complaint will be efficient use of their time. In spite of immediate actions after finding out about the scam, I am rendered helpless in stopping this scam from taking place because nor the bank or the merchant are ready to assist me in anyway.
Product: Credit card or prepaid card

i spoke with a representative from chase card services in XX/XX/XXXXregarding two account I had that were passed due and I wanted to get these accounts to good standing. The representative told me that they were closed but we can do a program known as reaging to get accounts back active. per call in XX/XX/XXXX i spoke with another representative that informed me reaging is still a possibility on the account i had to make to two payments to satisfy the past due amount and then they accounts will be reactivated. Payments were made as agreed and i followed up to confirm account would be repopened in a timely fashion customer service representative XXXX she informed me that was not what the arrangement entailed and that my accounts remained closed. when asked for recording of conversation customer service representative did not provide the information to me and continued to try and avoid the conversation with me.
Product: Credit reporting or other personal consumer reports

Greeting Please see attached FTC Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Greetings to whom it may concern, Credit Bureaus are not accurate and just putting anything on credit and refuse to correct. 

Dispute 1 Late Payments Please see attached all documentation.

Please look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of my credit report and inaccurate information on my account. This information is wrong and needs to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed.

Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance XXXX : Please investigate and mark paid as agreed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Bank of America is claiming my account is under risk/fraud. However, after talking to them and XXXX the address they got on file is completely different than mine. My account was closed for some check of XXXX being deposited without the funds available. Now I ca n't open and account and neither can my wife, because unfortunately she was on the account with me.
Product: Debt collection

I never received no letter no bill saying that this is my account. I dont know why its showing up on XXXX and on three credit reports. Its not my account.
Product: Credit card or prepaid card

On two occasions, two separate credit card accounts that had credits owed to me were hidden from my dashboard. I only became aware that funds were due me and that I needed to submit a request for payment when I inquired by phone. 

I believe this is institutional and deliberate, as the telephone customer assistance was unaware that these accounts were inaccessible to me, and unable to explain why that might be the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX XXXX XXXX about a contract they have listed on my credit report. I asked them could they send the original contract because the car they listed in the credit report was from XXXX XXXX XXXX. They told me that they brought they contract because XXXX went out of business. I asked them could they send documents. They agreed however, they sent over somebody named XXXX XXXX bill if sale. 

On XX/XX/XXXX I called again asking for the same information and was told they will get in contact with the back office again and they will try again. They was able to send the payment history. Inside the payment history shows that they picked up the loan XX/XX/XXXX and on the XX/XX/XXXX was hit with late payments and interest fee but a payment was made in the XXXX which is when I normally payed XXXX XXXX XXXX company. I asked them can they send the payment records from XXXX it looks like the payments started over as if I did not pay XXXX XX/XX/XXXXwhich I had for at least a year and they cant produce it. 

The payment history they sent shows that they charged off the the car off for XXXX.But thats not the amount thats reporting on my credit report. I disputed with all three credit reports and they keep updating inaccurate information. 

However they sold the car in XXXX so I doNt understand how they are still charging repossessing fees for XXXX and XXXX along with payments and they had the car since XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information on my credit profile and have the following account numbers here to be removed from my credit profile immediately. I am a victim of identity theft and did not open any of these accounts. I also haven't made any of these inquries below and would like all information below deleted XXXX credit management XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX - Collection XXXX XXXX - Collection INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

Experian has stated that my accounts in question have been properly investigated and how is that possible if the theirs multiple errors attached below. 

I also came to you on my old account regarding the dispute that I never got it has been more that 30 days : Which is another violation. 

This is grounds for removal and monetary relief immediately. 
My rights where violated under : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions. 

The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. 

XXXX XXXX XXXX  XXXX Incorrect Account Number Date Opened is Incorrect No High Balalnce Incorrect Experian is reporting 4 months of late payments during covid XXXX ( XXXX ) Above Account : {$7000.00} XXXX XXXX XXXX XXXX Incorrect Account Number No high balance A collection can not have an account balance Above Account : {$3000.00} XXXX XXXX XXXX XXXX XXXX Account Number No high balance Experian is reporting XXXX XXXX XXXX XXXX XXXX during covid XXXX ( XXXX ) Above Account : {$7000.00} XXXX XXXX XXXX XXXX Incorrect Account Number Date Opened is Incorrect High Balalnce Incorrect A Charged off account can not have a balance Above Account : {$4000.00} XXXX XXXX Incorrect Account Number Date Opened is Incorrect High Balalnce Incorrect A Charged off account can not have a balance Above Account : {$4000.00} XXXX XXXX XXXX XXXX XXXX Wrong account number no high balance a charged off account can not have a balance incorrect monthly reporting XXXX ( XXXX ) Above account XXXX They are also reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Mortgage

My Mortgage ( since XX/XX/XXXX ) is with Home Headquarters Inc. 
XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX They have not been reporting my mortgage and payment history for the length of my mortgage. 
When I call and email them, they state that they have been reporting it since XXXX.
Product: Student loan

I was given misleading information from Navient in regards to my loans. When inquiring about the public service loan forgiveness, which I am a candidate. This company did not give me correct information. I was mislead in thinking that if took care of my loans on time for the 120 payment that my loan would be forgiven. Come to find out I am not even enrolled in said program, and my loans are not under the right lender. When information seeking about this issue, I found that my loans could have been changed to the lender. I have definitely been harmed related to this issue. I would close to the end of my term if they had taken care of me properly and not mislead me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : I submitted my payment for XXXX on time, well before the due date. I have attached bank statements and payment confirmations that clearly show the payment was processed before the deadline, yet the payment was incorrectly recorded as late. 
Clerical Error at XXXX : After noticing the error, I contacted XXXX customer service, and they confirmed that the late payment entry was a result of a clerical error on their end. The payment was applied to the wrong account, which delayed its proper processing. I have attached email correspondence from XXXX that acknowledges this mistake. 
Delay in Payment Posting by XXXX : The late payment entry is also a result of a delay in XXXX payment processing system. Although the payment was made well in advance of the due date, it took several days for XXXX to post the payment to my account. I have attached communication with XXXX customer support, where they confirm the delay in posting the payment was due to their internal processing issues, not my failure to make a timely payment. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

XXXX Estimated loan amount in total {$44000.00} After having my Federal tax returns seized because of my defaulted student loans with Navient I started making a year 's worth of consecutive payments to get my loan out of default. I was then advised, after they came out of default to consolidate my school loans and given little to no information on how this would impact my credit, I was mislead into thinking this was the best option, so I did it. This severely hurt my credit leaving me unable to get any type of financing anywhere. I was given no information on who consolidated my loans or how to even start paying on the consolidated loans back. I still can't find this information. Also, I recently started getting billed from Navient for another loan that I thought was included in the consolidation but was left out of it and now going into defaulted status. They have failed to give me any other options and have failed to advise and inform me with the best possible solutions to repay my loans without damaging my credit and taking my Federal tax returns. This has ruined me financially. I am a single mom of XXXX young kids working hard to provide for my family and count on my Federal tax returns to get ahead. I can't even finance anything, house, car, credit cards, etc. I almost wish I opted out of even getting student loans and paid out of pocket. This has ruined my life.