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

My account with XXXX XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and I see XXXX accounts from World Finance. The most recent one has a reference number of XXXX. The account is charged off/closed and this company does not exist! I ask that you please investigate this because it is effecting me negatively on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this complain to inform you department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am athis complaint myself. Please see this complaint is processed to the letter of the law. 


This account/ item is unknown to me. Also, the information you provided on this account are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX  XXXX XXXX  XXXX Date Opened : XX/XX/2016 Balance : {$520.00}
Product: Student loan

In XX/XX/XXXXmy parents took out a student loan with me, more than they should have, but they had XXXX kids in college. I believe the original balance was around XXXX. I joined the United States XXXX XXXX that fall. Navient was updated on my status, but failed to comply with the Soldiers and sailors civil relief act I believe charging 13 % interest for years. From XX/XX/XXXX to XX/XX/XXXX my parents would ask me to send them an XXXX to show I was XXXX XXXX every now and then. What I did not realize is Navient was telling them they could defer payments and it would not report as late. FOR 10 years the loan did nothing, but occur interest and I am certain Navient had a huge smile on their face while doing so. in XX/XX/XXXX I believe, my parents received a check from a settlement company that sued Navient for not complying with the Soldiers and sailors civil relief act for the difference of the interest at the time. Now 13 years later the balance even while my parents have made payments does not drop below {$50000.00}. I have called Navient to get any information from them in regards to the interest rate and for a copy of the original contract. THEY LITTERALY hang up on me every time I have asked. They will not provide me with the information, I firmly believe, that they either do not have it or are violating many laws and probably the contract itself. 

I will do some basic math to make my point. I have had this loan for 13 years now. Lets just pretend my interest rate is % 5. If I wanted to pay this loan off in the next 15 years ( now making the loan be a part of my life for 28 years ) I would have to pay {$390.00} a month for the NEXT 15 years. That is insane! They are the most predatory company I have ever dealt with. When they get you under their thumb, they never pick it up until someone else finally has enough money to stand up to them. Please help in any way possible.
Product: Credit card

I applied for a balance transfer. in XXXX, I have made multiple payemnts of atleast {$100.00} for the past 2 years including making a payment for XXXX in XXXX. I am unable to see where the money is being applied to as my statements do not reflect. for the entire calendar year of XXXX i only had XXXX $ in purchases. when i asked why am i paying interest on multiple things they could not tell me. When asking to speak to a supervisor, he decided to ignore me and not answer. I can not see all my payment history as it limits me to 6 months.
Product: Debt collection

I routinely check my credit report for updates and inaccuracies. I checked my report during the week of XX/XX/XXXX after receiving an email alert from a credit reporting agency that my score had changed. I logged in and determined that both XXXX  and XXXX had derogatory remarks on my account from a collections agency called ATG, which caused an almost 20 point drop in my credit score. I have never heard of ATG before seeing their name on my credit report nor have I ever received any correspondence or communication of any form from them. I had NO notice of any debt owed and I have no idea what this pertains to. 

I am unclear what the claimed amount owed is. Per the credit report it says balance {$4200.00} and highest balance {$2700.00}, which makes no sense to me. It also says that it was opened in XX/XX/XXXX. However, I usually check my credit at least once a month and receive regular email notifications of changes to my score and last week was the first time this appeared on my credit report. Again, between last XXXX and now, I had no communications from ATG regarding a debt owed. Reporting the alleged debt to the credit reporting agencies and significantly damaging my credit was the first notification.
Product: Credit reporting or other personal consumer reports

This complaint is to formally advise you that I believe your company has violated my consumer rights in the following ways. Please keep in mind that this is my second letter and I have had no correspondence back from your company in over XXXX days. Specifically you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation - Provide proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Continued reporting of a medical collection {$500.00} or less -Provide me of the amount of which the debt was purchased. Per the CFPB, I have this right as a consumer. -Provide contract bearing my personal signature -License proof to collect debts in my state Not only have you ignored my prior requests for validation of debt, but you also continue to report this debt to the credit bureaus causing damage to my character. This debt is uncollectible per the statute of limitations in the state of Texas. As you certainly are aware, " Admission by Silence '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. I expect the account XXXX to be removed from my credit report within XXXX days of this complaint.
Product: Mortgage

Both my parent passed away in XXXX iwasnt able to make payments till XX/XX/XXXX made 1st payment on mortage bank of America with reciept made 2nd payment have reciept made 3 more bank claims no payments were made bank refuses to speak to me or the executor of parents trust which is brother who has been atherized on the account for many years now they wont accept any payments unless its full amount
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter XXXX XXXX  XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. XXXX XXXX XXXX is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore, you have failed to provide any transfer title of ownership on the charged-off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter XXXX XXXX  XXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX XXXX XXXX ( XXXX ) # XXXX, XXXX XXXX XXXX XXXX BAL {XXXX}, XXXX # XXXX, XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX # XXXX
Product: Credit card

Hi I received notification that my account was closed as it was only XXXX payments past due when attempting to reach out to the department they were constantly closed. Since the account has been charged off at this time, I would like to settle the account to pay off any remaining thats owed to the company and I would like the inquiry removed from my credit once it has been paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS INFORMATION REPORTING IS UNKNOWN I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES YET THEY ARE ON MY CREDIT REPORT FROM XXXX XXXX EACH COMPANY REFUSED TO RELEASE MY CREDIT REPORT. THEN I HAVE MEDICAL BILLS ON MY REPORT AS WELL MY BANKRUPTCY STILL SHOWS AFTER I HAVE REQUESTED TO REMOVE IT AND ACCOUNTS LIKE XXXX XXXX KEEP REAPPEARING AFTER THEY WHERE INCLUDED IN THE BANKRUPTCY. THESE OTHER ACCOUNTS LISTED BELOW ARE UNKNOWN TO ME XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX IS CHARGED OFF AND SOLD 3RD PARTY AND IT WAS IN MY BANKRUPTCY TOO MERCHANT XXXX XXXX XXXX XXXX XXXX I REQUEST THAT MY BANKRUPTCY BE REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this tem is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX
Product: Student loan

I had private loans being serviced by XXXX XXXX XXXX, XXXX, and they were disbursed in XXXX and XXXX. When they were disbursed, they were paid directly to me, not the school. I used the funds for housing, living, and travel expenses while attending school, and none of the funds went to the school. These loans were in my maiden name, and multiple times I tried to get XXXX to change my last name, but they never did. When XXXX began, I fell behind on paying, and ultimately XXXX closed my accounts in XXXX. Financially my husband and I were struggling, and we made the difficult decision to file Chapter XXXX bankruptcy in XXXX of XXXX. Our bankruptcy XXXX of XXXX was entered XX/XX/XXXX. Since these were private loans that were paid directly to me, the consumer, and they were not used for the cost of attendance, they are not considered qualified education loans, and it means they were included in my bankruptcy XXXX of XXXX. I have since received XXXX letters from XXXX XXXX, dated XX/XX/XXXX. They are a collection agency that is trying to collect on this debt that should have been XXXX. They say that I owe {$12000.00} and {$5800.00}, for XXXX different accounts. Also, it is saying that the creditor is XXXX XXXX XXXX. XXXX XXXX has also called me and left a voicemail.
Product: Credit reporting or other personal consumer reports

This is in regards to synchrony bank. In XXXX XXXX sent a check that was issued by XXXX XXXX XXXX XXXX XXXX to synchrony to pay my balance in full. The total was {$7000.00} at this time. The check was cashed and endorsed by synchrony on XX/XX/year> unfortunately the check did not have my card number on it so it was never applied to my account, I have sent multiple times the copy of the canceled check and now they are telling me I never provided this information. I have sent it via fax and via email on the portal. My credit score has gone down dramatically because of this. The dispute has been open multiple times and denied just as many. I want this, and I want my credit report cleaned.
Product: Debt collection

Coast Pro , Inc is enabling Identity Fraud. Not only is it trying to collect a debt I do not owe, it is threatening to garnish my wages. Also, this company has never notified me via US Mail about this debt. The notification the company did sent was sent to SOMEONE ELSE 'S address and luckily, the individual who saw the letter was able to get into contact with me. This company clearly sent notices to the WRONG address. i have NEVER resided at the address listed from the communication from Coast. This company has clearly been reckless in it's handling of private information. This company has violated the FDCPA. This company and it's client are enabling Identity Fraud. 

Please see attached. As of today XX/XX/22, I have faxed Coast Pro a letter disputing the debt and the form they sent.
Product: Student loan

I have been in disagreement with loan forgiveness for the last few years. I am trying to get a PSLF and nobody told me that the loan had to be in a certain payment for this to happen. When I exit college in 2002 this was unaware for me. I have been paying on it for 16 years  now thinking I would get the forgiveness and nothing. I just think it is a way for the company to make money without being honest the person. Too me is a crook. I have filled the application out for the past years and denied. I have emailed them and have had NO response.
Product: Checking or savings account

I opened a checking account on XX/XX/2002, at XXXX XXXX XXXX, XXXX, PA XXXX at PNC bank. There was a promotion related to opening the checking account which offered a {$400.00} credit if I opened the " Virtual Wallet Spend '' and fulfilled all the requirements. I met all the requirements and PNC Bank confirmed my eligibility. 
However, they declined to credit me with {$400.00} since I had opened my account at a branch that did not participate in this promotion. This was never communicated to me, nor was it disclosed in writing. Additionally, I had asked several times about the eligibility for this promotion, and the person who opened my account confirmed that I would be eligible once I met the requirements, which I had done. 
PNC Bank 's attempt to take advantage of customers on their bank accounts is a wrongdoing on their part. I am not the only one who has been affected by PNC Bank 's illegal activity, and this issue should be addressed.
Product: Checking or savings account

Fraudulent charges from XXXX were made on my account in the amount of {$29.00} on XX/XX/23 and XX/XX/23. The fraud was verified to be true but Chase Bank refuses to credit my account because they said it was past the 60 days. I reported it as soon as I recognized the fraud happened.
Product: Debt collection

During my divorce 10+ years ago, my ex-wife ran up all the credit cards in my name and cancelled the ones in hers. One card was with Capital One Bank ; the amount owed was {$25000.00}. 

I tried several times to explain to XXXX XXXX XXXX the situation, but they continued to send me collection notices. 

Since the original 1st missed payment was in 2009, the debt is now more than 10 years old ( definitely more than the 7 year statue of limitations ).
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXXXXXX - {$0.00} XXXX  XXXX - XXXX - {$3300.00} XXXX - XXXX - {$0.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXXXXXX XXXX XXXXXXXX - XXXX - {$2300.00} XXXX XXXX XXXX - {$1200.00} XXXX XXXX XXXXXXXX XXXX {$2000.00} Late Payment XXXX XXXX XXXXXXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - {$30000.00} XXXX XXXX XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} Bankruptcy Chapter XXXX Bankruptcy - XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Also Known As : XXXX XXXX Also Known As : XXXXXXXX XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX XXXX XXXX ) unlawfully obtained my credit profile and reported it to Navy Federal Credit Union without my permission. Initially Navy Federal allowed me to open an account with no problem but 2 days later they placed a restriction on my account and I have not be allowed to access it due to whatever info that is being reported by XXXX. They are now holding my money and will not allow me to access it.
Product: Debt collection

On XX/XX/XXXX, I seen a debt collection from an AFNI in the amount {$1100.00} I did n't receive any type of notice of who this debtor/collector is and why was it just added to my report, this a direct violation of the XXXX. I 'd like this to be removed from both my XXXX and XXXX report, as I am trying to buy a home this XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My information was compromised due to the Equifax data breach Itvwas accounts on my credit i was never associated with. XXXX XXXX  {$49000.00} XXXX XXXX {$0.00} XXXX XXXX {$1000.00} XXXX XXXX {$10000.00} XXXX XXXX  XXXX {$3100.00} XXXX  XXXX XXXX {$3400.00} XXXX XXXX  {$5100.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$3600.00} Mi XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$740.00} XXXX XXXX XXXX {$81.00} XXXX XXXX  {$1400.00} XXXX  XXXX bankruptcy bankruptcy {$0.00}