23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I XXXX from XXXX College in Maryland ( now XXXX University ) in XXXX and from University at XXXX XXXX XXXX in XXXX. I have a loan from the XXXX XXXX XXXX XXXX ( XXXX ) that has been serviced by Great Lakes since at least XX/XX/XXXX. I am in a standard repayment plan, with monthly payments of {$350.00}. 

Over the years, I have diligently made extra payments on the loan in an effort to repay it earlier. Great Lakes never gave me the option of applying 100 % of those extra payments to the principal of the loan in order to reduce the principal and thus the amount of interest being charged. Instead, even while I made the automatic monthly payment of {$350.00}, they applied a portion of each extra payment to principal and a portion to interest, considering me to have " paid ahead '' on the loan. I did not wish to " pay ahead '' but to reduce the principal beyond the amount that the monthly payment did in order to make headway on repayment. 

Finally I took advantage of the fact that I am paid ahead to XXXX, and I stopped monthly payments sometime within the past year due to some income issues in my family. I started making monthly payments again this month, but now the amount of interest outstanding is over {$1000.00}, and all of the repayments are applied to that interest amount first. 

Great Lakes practices seem out of step with normal loan servicing practices and hurt consumers like myself who are simply trying to rid themselves of student loan debt burdens. 

I am not able to provide my account history. Great Lakes only provides statements for the past year, and since I was not making payments, there is little information available to me. I would be happy to work on reconstructing the history based upon my bank account and other records, but it would take some time and effort.
Product: Debt collection

I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in Henson v. Santander Consumer Financial USA,  whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.
Product: Credit reporting or other personal consumer reports

Pendrick Capital Partners did an account review inquiry on my report twice. One on XX/XX/year> and XX/XX/year>. I never applied for anything or heard of this company. I am demanding them to send all information proving they had a permissible purpose to access my consumer report including proof of ownership and or assignment in for collection of an account. If they are a debt collector assigned to collect provide a contract between original creditor and Pendrick Capital to prove assignment rights. If this is a debt buyer send a complete bill of sale/Purchase agreements proving the purchase of an account owed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account number ending in XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Accounts, XXXX XXXX  # XXXX, XXXX XXXX XXXX CO # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXXXXXX XXXX  Account # XXXX and Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer Reporting agency can not furnish account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received the investigation results but never received the investigated report as defined in the FCRA 15 USC 1681 a ( e ). Investigated Reports must have sources of interview of family and friends and the results must be factual. You cant verify anything unless I verify it, any documentation I receive concerning the alleged debt are only Exhibits that prove the alleged debt was created due to a consumer transaction. The consumer report is nothing but an attempt to coerce payment 15 USC 1692d the advertisement for sale of any debt. before you can validate a debt, you need to prove 5 things, which the first method to validation is proving who is the original creditor, which I am the original creditor. You can not legally say you did an investigation unless you perform a true investigation such as one done for a crime. You must talk to my friends, neighbors, family members and me. If you have not done this, it is not an investigation. Therefore, you have no validation, and the negative remarks MUST BE REMOVED ASAP. 15 USC 1681c you must block any information in my file from an alleged identity theft, no later than 4 business days after the date I provide the details to you. By law, I do not need to submit a FTC report, I, the consumer can provide a statement stating this information is not mine. I have not given EXPERIAN, XXXX, AND XXXX permission to furnish this information. This is identity theft and as a result, the late payments must be removed and blocked from my file. I will leave you with this, under 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. I have not given the written consent to report these late payments on my report. Remove all late payments from my consumer report effective immediately. ATTATCHED IS THE INVESTIGATION RESULTS I RECEIVED NOT THE INVESTIGATED REPORT I RECIEVED
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Effective XX/XX/2020, XXXX XXXX XXXX XXXX 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 XXXX  score and a good payment history. ( Document 3 ). 

4. After XXXX XXXX XXXX started reporting to XXXX, 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 TransUnion, on XX/XX/2020, my credit score dropped 61 points. ( Document 5 ). No one at TransUnion can explain to me why other than the XXXX XXXX XXXX XXXX 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 TransUnion 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: Credit reporting or other personal consumer reports

I REVIEWED MY CREDIT REPORT AND FOUND A DISCREPANCY IN MY PERSONAL INFORMATION IN THE 3 BUREAUS XXXX EQUIFAX AND XXXX
Product: Mortgage

Complaint : Washington Federal Bank wants to keep my earnest money because I kept their house off the market for 30 days. 
XXXX lender XXXX XXXX did not fully disclose the need for a XXXX credit score and kept saying the underwriters overlay reports back OK - referral with caution. 
XXXX lender XXXX XXXX XXXX did not fully disclose that I needed to put in debt from my ccs into the mortgage amount to be able to get the loan at a new purchase price of XXXX. 
Seller still under open contract with open form XXXX UN singed document from purchase due to bank wanting to keep buyers Ernst money of {$1000.00}. Seller has put the home back on the market and advertising home for sale on the XXXX XXXX system as of ...
Product: Credit reporting, credit repair services, or other personal consumer reports

When I called the bank, someone said they were XXXX XXXX and this was a auto loan inquiry. I said I had bought a car in over four years and was not looking for a car. I got rerouted to a number that was not available. XXXX/XXXX/2016 XXXX has requested a copy of your Credit Report Hide Details Business : Phone : Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX/XXXX/2016Reported By : Experian
Product: Debt collection

The amount shown on my credit report as owed is the incorrect amount. Reached out to the collection agency to get documents showing that this amount is the total owed. Never received those documents.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX On day XX/XX/XXXX, I looked at my report. I sent a letter to Experian on day XX/XX/XXXX asking them to reinvestigate these unauthorized hard inquiries : XXXX. XXXX XXXX  XXXX ALL BANKS XX/XX/XXXX. 
XXXX. XXXX 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. 
and here is my tracking number : XXXX On day XX/XX/XXXX they sent me their investigation and said these inquiries are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i S they are suppose to do this ( 5 ) Treatment of inaccurate ounvertfable information ( A ) in general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( il ) promptly notify the furnisher of that information that the informatidy has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuragy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shail not furnish information relating to a consumer to any consumer reporting h notified by the consumer, at the address specified by the person for cific information is inaccurate ; and i ) the information is, in fact, t reinvestigation they lied on an offical document saying they did st do and I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

The following account XXXX XXXX acct # XXXX was charged off as of XXXX XXXX Since the the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. This is a direct violation of the consumer Fair Credit Reporting Act. This also falsely manipulates the statue of limitations. This account is approximately 6 years old. Which due to the nature of falsely reporting every month as a late payment or past due this account should be removed from my credit report.
Product: Debt collection

When signing up for a loan through XXXX I was told that I had one year to pay off a loan before the amount double. However, my account was transferred to Monterary Financial collection Services. I called Moneterey to settle the collection for the amount I was quoted {$1300.00}, however they said I owe double the initial price after only 3months. I would like to settle by dept before the 12month anniversary day comes.
Product: Credit reporting or other personal consumer reports

I previously disputed these accounts with the relevant credit bureau ( TRANSUNION ) requesting that they verify the accuracy and legitimacy of these accounts in compliance with the FCRA. However, the credit bureau was unable to provide valid documentation or evidence to verify these accounts correctly, despite their legal obligation to do so. As a result, these charge-off accounts remain on my credit report, causing significant harm to my credit score and overall financial situation. 

The accounts in question are as follows : 1. Account XXXX : XXXX Creditor : XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX. Account XXXX : XXXX Creditor : XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX. Account XXXX : XXXX Creditor : XXXX XXXX Reported : XX/XX/XXXX XXXX. Account XXXX : XXXX Creditor : XXXX  XXXX Last Reported : XX/XX/XXXX XXXX. Account XXXX : XXXX XXXX : XXXX XXXX Reported : XX/XX/XXXX XXXX. Account XXXX : XXXX Creditor : XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX Last XXXX Since the credit bureau could not verify the accuracy of these accounts, I have reason to believe these accounts are fraudulent. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter because of the serious implications of having unverified and potentially fraudulent accounts remain on my credit report.

Under the FCRA, I have the right to dispute inaccurate or outdated information in my credit report. Specifically : FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information that can not be verified or is inaccurate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) places an obligation on furnishers of information to provide accurate data to credit bureaus. If they can not verify the accuracy of the data they are furnishing, they must cease reporting inaccurate information.

FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) provides that if any information on my credit report is the result of an identity theft or fraudulent transaction, I may request the removal of that information by submitting an identity theft report. Though not an identity theft case, this section emphasizes the importance of ensuring that information reported is verified and accurate, as any unverified or fraudulent entries must be removed.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in credit reports.

I Attached to this complaint : previous dispute letter and a second dispute letter, FTC report, identity and address documents, accounts disputed, and all the inaccurate information highlighted. Thanks for your help
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. They have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I made an electronic payment to Bank of America in the amount of {$8300.00} ( this amount paid my account in full ). On XX/XX/XXXX, Bank of America tried to debit my account for an additional {$7900.00} ( which I did not authorize ). On XX/XX/XXXX, I called Bank of America and spoke to someone named XXXX and explained that Bank of America should not be charging my XXXX XXXX account for any amount because I paid the balance in full on XX/XX/XXXX. She said she completely understood what I was saying but the charge had already went thru but not to worry as it would be refunded in 2-3 days. ( I explained that I did not know how that was possible as I did not have that much money in my account ). On XX/XX/XXXX, {$7900.00} was taken from my account by Bank of America. When this amount was still not credited as of XX/XX/XXXX, I called Bank of America again and spoke to someone named XXXX XXXX. He said he understood what was going on but he was not able to refund my money and the situation had to be " thoroughly reviewed '' by a different department and that would take 8-10 days. I told him that was not acceptable and that I was going to start action against the bank. Note : My " payment due date '' is the XXXX of each month. Thank You, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Here I am again telling you whats wrong with the bureaus. 

I feel like a crook. Just trying to refinance my house and purchase me a retirement car. I got things easier with bad credit than with good credit. 

Here are screen shots of my scores not that mean anything- Honestly. Someone gets paid to give you a score that goes down when you pay bills off but goes up when you use your credit cards. Whats Fair about that!

By Now I Hope you believe I thoroughly understand how stupid the Credit reports and the Bureaus are.

I pay for data from my Fico but it too is different from what LENDERS get - What's Fair about that. I should see the same score as they do otherwise I am wasting inquiries- What's Fair About that?

I STILL DONT HAVE MY HOME LOAN OR MY AUTO LOAN. PLEASE EXPLAIN TO ME WHY NOT. WHA'TS FAIR ABOUT THIS?
Product: Student loan

In XX/XX/XXXX my Discover Student Loans started in repayment. I received an email saying {$540.00} was due and I promptly paid that amount on XX/XX/XXXX through the website. When my XXXX bill was due, the website showed that I paid in XXXX, but the total amount due for XXXX did not reflect that payment. It showed I owed {$1000.00}. I called Discover because I could not make that large of a payment, but I did make what I thought should have been my monthly payment of {$540.00} on XX/XX/XXXX. I didn't realized at that time that the company did not apply my first payment correctly, so I asked if I could skip remaining payment for the month of XXXX. They agreed for me to skip the remaining XXXX payment and have the cost added to my monthly payments for a year starting in XXXX. However, when I next checked how much was due, the total number reflected both the XXXX and XXXX payment, as well as the increased payment for XXXX ... all due in XX/XX/XXXX. I called Discover back and on this second call, they realized they had never applied my XXXX or XXXX payments of {$540.00} correctly towards the principle. At this time, they removed the payment plan I had set up to start in XXXX and told me they would apply my XXXX and XXXX payments correctly so that I would simply owe another {$540.00} in XXXX. The Discover representative apologized and told me he would submit a report to Discover 's headquarters about the incident. Today I called Discover back again after seeing that nothing was fixed and they now wanted {$1600.00}. This time, I was again told that the problem would be corrected in Discover phone encounter XXXX ( unfortunately, I did not write down the phone encounters for previous calls and I have no receipts ). I am submitting this claim because calling Discover multiple times has not solved the problem.
Product: Credit card or prepaid card

I must have used my card at a compromised payment terminal ( i.e. credit card skimmer ) sometime in XX/XX/XXXX. This week ( beg on XX/XX/XXXX & continuing thru XX/XX/XXXX ) my entire cashapp bal has been drained & now overdrawn. Cash app allowed transactions from 7 different suspicious merchants that I've never heard of ( 32 charges totaling {$840.00} ). Cash app denied my dispute even tho some charges came in after the card was reported compromised. Many of the charges are duplicates that came in within 2 mins of an identical charge. Cash app sent docs of the denial of claim that showed the charges I was disputing hit the new card ( issued on XXXX after I reported my other card as compromised ). I didn't have the new card nor knew the new #! I have been given a repeated run around from cashapp support. 


Here is a list of all of the fraudulent transactions : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was contacted by Pro-collect in XX/XX/2019 regarding a {$910.00} debt for XXXX XXXX in Texas. I am a victim of identity theft. I have filed a police report and I have provided a copy of my police report, identification, my mortgage statement, and my power bill. I forwarded this information to Pro-collect to prove that this debt does not belong to me. I have requested copy of the identification that was provided to XXXX XXXX and a copy of the lease and/or application to compare my signature. This information has not been provided to me. There is no identification on file, no drivers license, no passport, no ss card, and the lease was signed electronically, so no signature. Pro-collect is aware of this and still will not delete this account. This debt does not belong to me. I am a Georgia resident and I have NEVER lived in Texas. I did not give anyone permission to use my information for any reason. I need this collection debt removed. 

I am attaching a copy of the police report, an identity theft report/affidavit from the federal trade commission, proof of utilities via XXXX XXXX  and XXXX XXXX, and a copy of my mortgage statement.