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

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX  XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/year> ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX , DC XXXX Subject : Formal Complaint Against XXXX for Illegal Activities Dear CFPB Representative, I am writing to formally lodge a complaint against XXXX Credit Bureau regarding serious fraudulent activities associated with my credit report and their improper handling of accounts linked to both WORLD ACCEPTANCE CORPORATION and WORLD FINANCE. 

I have observed that XXXX has continuously allowed the fraudulent opening and closing of an account associated with WORLD ACCEPTANCE CORPORATION. During INVESTIGATION.This account has been misreported, with WORLD ACCEPTANCE CORPORATION erroneously claiming that the alleged debt belongs to them, when in fact it originated with WORLD FINANCE. 

The following points outline the specific issues I wish to bring to your attention : 1. **Fraudulent Account Misrepresentation** : WORLD ACCEPTANCE CORPORATION is inaccurately representing the claim to alleged debt as their own, which is misleading and unfounded. I have no agreements or acknowledgments regarding this debt with WORLD ACCEPTANCE CORPORATION. 

2. **Ongoing Misrepresentation of Debt** : XXXX has been fraudulently misrepresenting an accrual of this alleged debt on a month-to-month basis, despite the fact that this account has been closed and charged off for over five years. This ongoing misrepresentation is damaging my creditworthiness and reflects a failure to update or verify the accuracy of the information in my credit report. 

3. **Failure to Investigate Disputes** : I have previously submitted disputes regarding these issues through the appropriate channels, yet my complaints have not been adequately addressed. XXXX has failed to conduct thorough investigations, allowing inaccuracies to persist on my credit report. 

4. **Impact on Creditworthiness** : The presence of this fraudulent account and the misrepresentations by both WORLD ACCEPTANCE CORPORATION and WORLD FINANCE have severely impacted my credit score and my ability to secure loans, credit, and other financial opportunities. 

Given the seriousness of these issues, I respectfully request that the Consumer Financial Protection Bureau investigate XXXX 's practices concerning my credit report and the allegations of illegal activities tied to misrepresentations from both WORLD ACCEPTANCE CORPORATION and WORLD FINANCE. It is essential that XXXX adheres to the Fair Credit Reporting Act and ensures the accuracy and integrity of the information reported to consumers. 

I appreciate your attention to this matter and look forward to your prompt response. Please feel free to contact me should you require any additional information or documentation. 

Thank you for your assistance. 

Sincerely, [ XXXX XXXX ] [ [ Attachment : Any supporting documentation related to the complaint, if available ]
Product: Checking or savings account

XXXX XXXX charged my extremely high insurant rates so I canceled my XXXX Homeowners insurance. XXXX XXXX owed me a refund of {$8900.00}. They refused to deposit it into my USAA checking account and said they needed to send me a check, by-law! 10 days later I received the check. I did a mobile deposit into my checking account on XXXX XXXX USAA Banking is refusing to release {$6400.00} back to me. This money is needed in order to pay off the new insurance I had to acquire after I had to terminate XXXX  as my insurance holder. 
They are citing that I had prior returns as the reason why they will not release the money back to me however those mistakes were due to their banking errors and no fault of my own. 
I want the immediate release of my funds and I want USAA to reimburse me for late fees and interest that I am occurring as a result of the holding money that is rightfully mine. 
Since they are refusing to allow me to use my money I want sanctions and any negative action documented and reported against them as poor business practices. 
This is outrageous that they feel they can hold money that they took from me and had to return it to my by law and are now NOT allowing me to use my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by Premiere Student Loan Center of California, in XX/XX/XXXX, offering to look at all of my student loan debt and see if I was eligible for any student loan forgiveness. I am a XXXX so I do not remember if they knew that or I mentioned that, but we got on the track of XXXX at a low income / non profit XXXX and they got back to me in XX/XX/XXXX stating they would be sending a form to me to fill out to verify this was indeed the institution where I XXXX. They asked for upfront the following payments that I completed from my back listed above. 

XX/XX/XXXX payment of {$240.00} and XX/XX/XXXX payment of {$240.00} and XX/XX/XXXX payment of {$240.00} and XX/XX/XXXX payment of {$240.00}. Then they assured me the repayment plan would be this : 120 payments ( monthly totaling ten years ) of {$30.00} to THEM ( not my student loan company which is XXXX ( totaling {$180000.00} ) starting  XX/XX/XXXX {$30.00} every month until XX/XX/XXXX. 
When you go to their website they are VERY misleading when they show at the bottom of their page XXXX approval XXXX, which implies they are XXXX   accredited but when you go to XXXX  site they flat out state that Premiere Student Loan Center is NOT XXXX accredited. 
Now I returned to XXXX University XX/XX/XXXX to finish my XXXX and my actual student loans, at XXXX, were put on an in-school deferment status. But Premiere Student Loan Center still collected. I found out today, from XXXX ( XXXX - conversation was recorded ) that they did receive a form in XX/XX/XXXX showing I do XXXX a nonprofit XXXX and therefore AM eligible for student loan forgiveness, but she assured me based on my income and family size my ACTUAL repayment is {$0.00} for 120 months. Repayment with my actual loan servicer XXXX has NOT yet gone into effect ; they have not received XXXX XXXX  from any of the monthly payments I have been paying to Premiere. The {$1000.00} ( 4 initial payments of XXXX ) was explained to 'process ' the paper work. This is a scam. XXXX also informed me today ( from XXXX ) that as of XX/XX/XXXX my account went into forbearance status. This was put into place by Premiere so that I would not be contacted by XXXX. All this time I thought these {$30.00} payments were towards my repayment plan to have {$170000.00} in student loan debt forgiven. Come to find out Premiere was just pocketing these payments. 
Please advise as to what my next step should be to either get back any of that money I sent them, or to at least help spread the word so that this company does not scam any more honest hardworking XXXX. XXXX XXXX XXXX
Product: Credit card or prepaid card

I was notified through XXXX on XXXX XXXX 2018 that all my accounts with XXXX XXXX had been closed. 
( XXXX XXXX card ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX and XXXX XXXX with a Balance of {$220.00} when closed and now shows a High Balance of {$310.00} ). In which all accounts had been open in the month of XXXX which was reported to my credit report. I understand thatvthey have a right to close any account without such notice to the consumer however as a consumer to have such a negitive impact to your account within 1 month does not reflect well. This action on the part of the creditor will remaun on my report and it will not reflect in a positive way as the account was open and then immediately closed. I wish to have them remove all accounts from my crdit report and all inquiries that they have place on there. I understand that i may not be the most credit worthy however my past mistakes are from not understanding the importance of credit. However i wish to not have 6 accounts closed adding to the damage that is alredy impacting me that I am trying now to correct. I feel as though my privacy has been invaded by them rechecking my credit report therefore reverting too them closing all my accounts. It would have been better to have denied me all together then to approve me and close accounts that are in good standings and had never been used. 

When I initially contacted XXXX concerning this issue the young lady informed me that all accounts had been closed seemingly due to alot of recent credit inquiries and the only recommendation she could offer would be to write a letter and ask for a review to see if any of the accounts could be reopened. She offered to give me the address in which to write an appeal letter, but see as it was already decided i opted out and Thanked the young lady for her help. ( I was informed that all accounts had been closed as of XXXX XXXX and I was informed today that a letter explaing why they came to the decision was just mailed on XXXX XXXX. 

I thank you for your time and look forward to hearing from you concerning this matter. 

Best regards. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE CARD IS REPORTING 1 ( 30 ) DAY LATE IN XXXX, 2016. THIS IS FALSE AND UNTRUE. I PAY ALL OF MY BILLS EACH MONTH.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I asked that TN child support provide me a certified copy of their final forensic audit and complete audit trail of my child support account. I needed verification of the audit debt entry in accordance with XXXX, and also proving compliance with XXXX Matching Principles, and in accordance with IFRS, and in accordance with XXXX XXXX, and in accordance with Accord and XXXX Conventions. I requested that they show me the full double-entry bookkeeping accounting ledger, but that was not done. I advised XXXX of this matter on XX/XX/22. Because TN child support could not provide the information, XXXX MUST remove TN child support from my credit report. Thanks.
Product: Bank account or service

I loaded $ XXXX into my BBVA Compass Bank Clearspend Card and the card was forgotten at the XXXX location. 
My card was lost, and my money was fraudulently used. I immediately contacted Customer Service, and I have also provided a written Statement for Unauthorized Charges. 
I was told to wait 10 business days, before I will receive Provisional Credit on my Account, which I have n't received. 
Let me also point out that, the Cardholders Agreement states that " It may take up to 45-60 days to conduct its investigation on unauthorized transactions, but if by the 10th business days of receiving written Dispute Statement, and more time is needed, a Customer receives Provisional Credit, pending the determination of the Investigation ''. 
I am just imploring this highly respected Financial Service to honor its words, as stated in the Cardholders Agreement. 
Everytime I call to inquire about the investigation, its always a problem, as the representatives are rude, and have no update to provide. It makes me wonder why these Banks do things and we all keep quiet ...
Product: Mortgage

On Mon., XXXX XXXX, 2020, I received two ( 2 ) letters from Select Portfolio Servicing regarding allegation that they received my regular monthly payment late. First, I have had this conversation to SPS in the past that I do not pay anything on the first day of the month, and that by law I have at least 10 days to make payment. My payments are mailed by the fifth day of the month once funds are in place by the 3rd. SPS ' representative named XXXX said he would notate that I did call but could not waive late fee. I reminded XXXX that due to President Trump 's effort to shut down some post offices and the slow down due to COVID-19, it was not my fault my payment arrived later than usual.
Product: Credit reporting or other personal consumer reports

ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Product: Debt collection

I am writing to formally dispute an item listed on my credit report. Specifically, I am contesting the validity and accuracy of a debt associated with the following details : Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Type Line of Credit Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$4100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$4100.00} Balance Updated XX/XX/XXXX Recent Payment- Monthly Payment- Credit Limit {$3200.00} Highest Balance {$4400.00} Terms- On Record Until XX/XX/XXXX Under 12 C.F.R. 1006.34, which implements provisions under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide validation of a debt when a consumer disputes the debt. This regulation mandates that debt collectors validate the information reported, including providing proper documentation to substantiate the existence and amount of the debt.

As I have disputed this debt, I request that transunion investigate this item for accuracy. If the reporting party ( the creditor or collection agency ) is unable to provide verification or validation of this debt, I ask that this entry be removed from my credit report in accordance with 12 C.F.R. 1006.34. 
Additionally, I request that XXXX provide me with the results of your investigation within the 30-day period required by law, along with a copy of any documents provided by the creditor or collection agency that substantiate the validity of this debt.

Please note that under the Fair Credit Reporting Act ( FCRA ), inaccurate, incomplete, or unverifiable information must be corrected or removed. If XXXX is unable to verify this debt, I request that you delete this item from my credit report. 
Thank you for your attention to this matter. I look forward to your response and a resolution of this dispute. Should you require any additional information from my end, please do not hesitate to contact me.
Product: Mortgage

I made an additional principal payment to Mr. Cooper ( the mortgage company ) in the amount of $ XXXX. They received and cashed the check on XX/XX/2022, however they only applied {$78000.00} to principal on that day. The remainder of {$1600.00}, they held in their own hands and then applied it to principal and interest on XX/XX/2022 as if my normal monthly payment. Thus, I paid more interest than I was required to pay. I let them know this. They refused to back date the {$1600.00} to XX/XX/2022 ( when they received it ). I have screen shots saved of the chat dialog with them denying satisfactory resolution.
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ,XX/XX/XXXX. ,XX/XX/XXXX. ,XX/XX/XXXX ,XX/XX/XXXX, XX/XX/XXXX that's as far back as my phone memory goes but these calls have been going on for months. Come from XXXX. I spoke to an actual person once from their and told them I am out of work waiting to have XXXX XXXX and to stop calling. It has not. Now they call me on a regular basis and when I answer I get a recording saying " please hold for the next available operator '' .. I've held for twenty mins and no answer. I have called them back as well. Also a recording. " This is the simonds agency. This is an attempt to collect a debt, please hold '' again no human answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a notification from XXXX that a new account was added to my credit profile by Novient ( private student loan ) account last 4 digits showing as XXXX for {$140000.00}. I immediately contacted XXXX about the new account and I advised the XXXX representative that was not my account and that account was a fraudulent account. XXXX advised me that they could not dispute the fraudulent account however they created an escalation case to determine how and why the account was placed on my credit file. That escalation case number is XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> Spring Oaks Capital LLC XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this mor from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
+ XXXX Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
XXXX hope your legal staff will agree that noncompliance with XXXX this request will result in serious legal trouble for your company. 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing an urgent complaint regarding fraudulent accounts and inquiries on my credit report resulting from identity theft, which have caused significant harm to my financial well-being. The following accounts and inquiries, including XXXX XXXX ( XXXX ), XXXXXXXX XXXX ( XXXX ), and others, were opened without my authorization. Additionally, several addresses, such as XXXX XXXX XXXX XXXX, XXXX, MN XXXX, and others, are not associated with me and must be removed. These accounts have inconsistent open dates and information across Equifax, XXXX, and XXXX, violating 15 U.S.C. 1681e ( b ), which requires accuracy in reporting. Furthermore, creditors failed to notify me within the required 5-day window under 15 U.S.C. 1692g and have not provided validation of the debts despite repeated requests, violating my rights under 15 U.S.C. 1681s-2 ( a ) ( 1 ). Under 15 U.S.C. 1681c-2, I am entitled to the immediate removal and permanent blocking of this fraudulent information from my credit reports. I have submitted supporting documentation, including a police report, proof of identity, and certified dispute letters, yet no action has been taken. I demand immediate corrective action to remove and block these fraudulent accounts and inquiries from my credit reports, as their continued presence is a clear violation of federal law and has caused substantial damage. Failure to address this matter promptly will compel me to pursue legal remedies.
Product: Debt collection

On XX/XX/year>, at XXXXXXXX XXXX XXXX I sent an inquiry to XXXX XXXX XXXX ( " XXXX '' ) about their investigation of my claims concerning debt sold to them by Capital One ( XXXX Account No. XXXX ; see also Complaint ID XXXX, where Capital One enables XXXX XXXX XXXXXXXX ). I have been unable to find my copy of their findings in an investigation I believe they did not conduct. 

In my XX/XX/XXXX e-mail, I asked for discovery of a XX/XX/year> letter concerning the status of the investigation. To date, I have received no communications that confirm or deny discovery ; not once at any time during the investigation had I received any communications for more information or evidence.
Product: Debt collection

My insurance collection was paid in full, and was supposed to be deleted within 30-days. Please delete this collection permanently!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it only shows up on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it only shows up on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it only shows up on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it only shows up on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it only shows up on my Equifax account. Please provide evidence of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it only shows up on my Equifax account. Please provide evidence of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account.
Product: Debt collection

THIS IS NOT MY ACCOUNT POSSIBLE IDENTITY THEFT THEY HAVE REFUSED TO REMOVE THIS ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letters to XXXX, Equifax and XXXX regarding unauthorized inquiries on my credit report negatively affecting my profile. I also requested my address to be updated reflecting my current address only and deleting all addresses reporting that I am not associated with. As of XX/XX/XXXX I have yet to receive a response.
Product: Credit reporting or other personal consumer reports

I have worked with XXXX to get a fraud account ( XXXX XXXX  ) removed from my credit report. I have received notice that it was removed and dispute was closed due to identity theft. I was also told that they would send information over to trans union and XXXX so they can remove it as well. I am working on a home loan and this is hindering the approval process. the tradeline needs to be removed from all three. I provided all the supporting doc, police reports, identity theft report.