23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Cease and Desist Request Regarding Credit Collections Account Ending in XXXX XXXX XXXX XXXX XXXX XXXX  Dear CFPB Representative, I am writing to formally request your assistance in addressing an issue with Credit Collections regarding an account originally associated with XXXX  an XXXX XXXX. 

Account Details : Collection Agency : Credit Collections Original Creditor Name : XXXX  an XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Status : UNPAID Creditor Classification : INSURANCE Original Amount Owed : {$160.00} Current Balance : {$160.00} Date Assigned : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Status Date : XX/XX/XXXX Account Designator : INDIVIDUAL_ACCOUNT This account is currently under dispute, as noted on my credit report : CONSUMER DISPUTES REINVESTIGATION IN PROGRESS. Despite this, Credit Collections continues to report inaccurate information without providing proper validation or supporting documentation.

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting the following : 1. Cease and Desist Communication : Credit Collections must immediately cease all communication regarding this account with me.

2. Verification of Debt : Provide documented proof validating the accuracy of this debt, including a complete history of the account and original agreements.

3. Correction or Deletion : If the debt can not be validated with accurate documentation, it must be removed from my credit report immediately.

Please investigate this matter promptly. Attached is a copy of the relevant credit report information for your reference.

Thank you for your attention to this matter. Please confirm receipt of this complaint and provide an update on the status of your investigation.

Sincerely, [ XXXX XXXX ] Enclosure : Screenshot of the Credit Report
Product: Mortgage

I have been making my payments on time to Roundpoint Mortgage Servicing Corporation since they purchased my loan from XXXX. I made an extra half payment in XXXX. Since XXXX they have not figured out how to apply my payments. They keep sending statements saying I have not paid and keep charging me late fees. I have to keep calling in every month to get this corrected. It also took over six months to change my homeowners insurance with them. I am sure they have reported my " late '' payments to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estopper by silence, XXXX v XXXX ( mo ) 281 SW 715, 719 i Presume that no proof or the alleged debt, nor therefore any such debt, in fact therefore exist. 

Rent Recovery - {$10000.00} In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right
Product: Credit reporting or other personal consumer reports

The inaccurate information maintained on my credit report has not only resulted in significant financial harm but has also caused substantial emotional distress. The false representation of my personal and financial information is a clear act of fraud. It has deceived creditors and financial institutions, leading to higher interest rates, denial of credit and an overall detrimental impact on my financial standing. This constant struggle to rectify these inaccuracies has inflicted undue stress and anxiety, undermining my trust and the credit reporting system. 

Moreover the persistence of these errors despite multiple disputes exacerbate the situation, suggesting an element of extortion. By refusing to correct these inaccuracies, you are leveraging this misinformation to exert financial pressure on me. This coercion forces me into a position where I am compelled to take unnecessary financial measures, further aggravating my emotional and financial well-being the distress caused by the situation is profound as I am being unfairly penalized for errors that are beyond my control. 

The continuation of these inaccuracies represents a violation of my rights under the FCRA and FDCPA The failure to correct or delete this false information despite clear evidence and legal demands, highlights a disregard for the laws designed to protect consumers. This ongoing issue is caused not only financial repercussions but also significant emotional turmoil impacting my daily life and overall mental health.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 me 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 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 XXXXXXXX - 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
Product: Student loan

I had a federal student loan serviced by XXXX. On XX/XX/2024 I had submitted an application to the Department of Education to change my income driven repayment to plan to the SAVE plan. XXXX  acknowledged receipt of the form on XX/XX/XXXX and issued a statement on XX/XX/XXXX that incoming correpondnace was subject to a delay. In XXXX the account was placed on an administrative forebearance as the account was in " paid ahead status '' and they needed to, on their end rectify this. A letter from XXXX  stated at that time ( XX/XX/XXXX ) the account would be switched to a new IDR. It has since not been. 

On XX/XX/XXXX a federal court ruling froze further processing of SAVE plan applications and provided benefits such as forbearance and zero interest on accounts that had successfully been enrolled in the SAVE plan. XXXX  has since transferred my account to AidVantage which has no record of the application. The Department of Education is also showing the application is in processing status. 

Calls to XXXX  have been unclear and XXXX, a rep I spoke with yesterday ( XX/XX/XXXX ) provided information that seemed to contradict what I had been reading on the Department of Education site. She offered no solution and claimed pending application would be subject to the forbearance and zero interest freeze. AidVantage agreed to review the matter but disclosed they are unable to process SAVE plan applications due to the court ruling. Meanwhile the account is currently accruing interest when in fact it had XXXX  processed the application in a timely fashion its would not be accruing interest. 

The customer service at XXXX  includes long wait times ( I spent over two hours on two separate calls trying to resolve the issue only to be told information that may have been inaccurate from XXXX and not offered a reasonable resolution to the mater ). The account remains in the same status and I essentially may be forced to pay several XXXX dollars in interest that I would have not have to pay had XXXX  carried out this obligation in a timely fashion several months ago rather than passing the issue off to a new servicer. I imagine I am not the only student borrower in this predicament based upon the unclear communication and poor service this organization offers.
Product: Checking or savings account

Hello, I had an account with Bank of America before. Someone I didnt know sent me a fake check, and we deposited it into the bank. A few days later, my account was closed and deleted without telling me. Once it was discovered that the check was fake, the bank not only closed my account immediately but also deleted it from their system without informing me. There was no actual fraud involved, only the check turned out to be fake. 
And around {$270.00} of my money is gone! 

Additionally, as far as I understand, the bank directly deleted my account from the system so that I wouldn't file an official complaint, which is why the past transactions in my account are no longer available at the bank. I was not informed about this situation in any way. 

As soon as the check was identified as fake, I reported it to the police the same day, and I have an official police report. I am the victim in this situation, but since the bank closed my account without notifying me and reported it to the credit agencies, I am now unable to open an account with any bank. Could we work together to resolve this issue? 

Thank you in advance. Best regards.
Product: Credit reporting or other personal consumer reports

Equifax told me to send my ID AND Social along with a form. I strongly objected but sent them regardless. They were received per tracking order priority mail, ( XXXX ). Needless to say they only admit to receiving the form but not the copy of my id and social security card which were placed in the same envelope. They offer me no other way to send in my documents and a tracking number means nothing when they out right refuse to admit they got the documents. My credit continues to suffer and I am unable to see my Equifax credit file. I have done everything in my power to solve the issue but Equifax refusal to hold its self accountable is a Huge problem. I guess the next step is litigation. Because Equifax is unhinged.
Product: Credit reporting or other personal consumer reports

Experian has been operating without my permission. 

FCRA 15 USC 1681b protects consumers from reporting agencies reporting without their permission, & 15 USC 1681e ( b ) & 15 USC 1681s-2 protects consumers me from false reporting.

1. Experian put my credit on a freeze, which I did not request. They did this without informing me. I found out from my bank when they tried to apply me for a credit card. 

2. Experian is falsely reporting my XXXX XXXX. On Experian.com it says XXXX and it still has accounts on it falsely reporting that Ive requested several times to be removed! It still hasnt! Including addresses, false names, inaccurate inquiries, wrong phone numbers, and creditors and XXXX parties. 
During the process of verifying the debt, no one I disputed should be on my credit report until the debt is proven and Experian is in violation of this! 


XXXX. Experian reported my XXXX XXXX as XXXX to XXXX XXXX but have my credit on their website as XXXX. 
Theres a lot of false information going on in my name and I want it stop!!! 

I have attached a photo of an email where XXXX said my Experian score is XXXX, screenshot of XXXX saying remove the security freeze on Experian, & a screenshot my XXXX score and screenshot of my transunion score because my scores shouldnt be mismatched
Product: Debt collection

This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the three major credit bureaus ( Equifax, XXXX, and XXXX XXXX ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. 

Account Name XXXX Account # XXXX 
Date Opened. 
XX/XX/XXXX. 
Balance Owed. 
{$1400.00}. 

Account Name XXXX Account # XXXX. 
Date Opened. 
XX/XX/XXXX. 
Balance Owed. 
{$1000.00}. 
Account Name XXXX XXXX XXXX XXXX 
Account # XXXX. 
Date Opened. 
XX/XX/XXXX. 
Balance Owed. 
{$810.00}. 

Account Name XXXX. 

Account # XXXX. 
Date Opened. 
XX/XX/XXXX. 
Balance Owed. 
{$1600.00}.
Product: Credit reporting or other personal consumer reports

About 4 years ago i discovered that i am a victim of identity theft. I find out that someone unknown to me somehow had find my personal information and had changed my address and my phone number and applied for the following credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mostly every fraudulent account got removed from my credit report, but the following items stayed in my report, XXXX and XXXX XXXX. i had send them my police report and my identity theft report more than 4 times and keep getting the same response every time that this item belongs to me and i am responsible paying off these credit cards. i do not have a problem paying for these credit cards if they were mine, but i have a problem for paying for something that i did not applied for and something that i did not get any benefit from, which i am here to resolve this problem.
Product: Student loan

Before the covid repayment freeze ( and switching lenders to advantage ), the remaining principal was around XXXX XXXX Now the principal balance unaccountably shows as XXXX XXXX There appears to have been a mistake made at some point on the balance.
Product: Payday loan, title loan, personal loan, or advance loan

There was a loan made in my name that wasnt me apparently it was opened in XXXX fraud never even heard of this company.
Product: Credit reporting or other personal consumer reports

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block the accounts which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$590.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dismay at the flagrant violation of credit reporting laws evident in the persistence of fraudulent accounts on my credit report. Despite assurances from reputable companies and the validation of an identity theft report, these erroneous entries remain unaddressed. 

Your failure to rectify these accounts, despite clear evidence of their fraudulent nature, represents a blatant disregard for the laws governing accurate reporting. It is apparent that the bureau is neglecting its duty to adequately investigate and rectify inaccuracies. 

Furthermore, other credit bureaus have already taken corrective action by removing these accounts from their records following the submission of an FTC report and thorough investigation. 

The following accounts require immediate action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since Experian requires one to use their XXXX system which I have set up many times, they keep sending me emails telling me they don't find any bill payments thru XXXX  and they will soon delete my account. When they aren't able to connect to your accounts thru XXXX, they decrease my XXXX XXXX which is terrible! I have spent hours on the phone with Experian trying to get them to fix the XXXX system to work with my accounts, but they tell me they don't know if they can fix it and don't know when that might happen anyway. In the meantime, my XXXX XXXX keeps going down due to their broken XXXX system. Experian is the only credit reporting company that has my XXXX XXXX under XXXX which really affects my credit rating. I want Experian to stop using XXXX as a means of calculating credit scores since it is so broken and can't be fixed!!! Can CFPB do anything about this problem? 

Here is the Subject line of my XX/XX/21 email from Experian : Re : XXXX, important : Your account through Experian Boost could be removed
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit card or prepaid card

Kay Jewelers Credit CardXXXX XXXX ( Fraudulent Fees and Charges ) I made payments to Kay Jewelers via my banks online banking system. Several payments went through fine no issues. 
XXXXPayment made via online bill pay to Kay. As of XX/XX/XXXX, they do NOT show payment received, charge late fee of {$30.00} Bank verifies that it was sent on XX/XX/XXXX and that the issue was on Kay 's end. I call Kay and get the complete runaround. After calling my bank again, the decision is made to cancel that payment, so that I can make a DIRECT payment via Kay 's website. So the currently lost payment sent on XX/XX/XXXX and a payment that was sent XXXX/XXXX were both cancelled. This same day I paid off this card completely in FULL on the website and closed my account. 

XXXX, I see that Kay has charged me {$71.00} to return the cancelled payments? The payments were never processed as they were cancelled by my bank. My account is paid in full and closed? These exorbitant fees are a fraudulent scam on users of this account. I have contacted XXXX and yet again given the runaround about these ridiculous fees.
Product: Credit reporting or other personal consumer reports

i have never open this a XXXX credit card. some stole my information and had everything sent to my address that is how i knew about everything, this has been on going for years and XXXX  is not doing anything about it. please remove this off my credit report and creditors. i did not open this account!
Product: Credit card

I contacted care credit ( Synchrony ) on XX/XX/year> to discuss the monthly interest rate charged to my account monthly. I understand that my promotional expired in XX/XX/year> however, they have added over XXXX to my account in addition to over XXXX XXXX dollars in interest monthly ( XXXX XXXX ) I am making my minimal payments monthly on time but it's impossible to pay off my debt when the interest is added monthly. I asked synchrony for options to resolve this matter ( reduce my interest rate ) and they declined.
Product: Debt collection

Synchrony Bank, XXXX Florida is the company for my medical credit card for {$800.00}. This year starting in XXXX, I initiated a repayment plan. When I asked the minimum amount allowed per month ( {$69.00} ), I  was misinformed. I was charged {$200.00} in XXXX and {$69.00} every month til present. In XXXX, I noticed that my balance was not changed, I called to inquire & I was told credit report wasnt updated ( bi-monthly ). In XXXX I still noticed no change to balance & When I asked, I was told that no one had information for me about the details on my account and that I would have to file a complaint and that it would take 30 days for them to respond. Two months go by and then I call again for answers And the woman on the phone tells me that she cant give me any details but I can make a payment to avoid punishment. I told her I cant make a payment until I know with the balance is and what is going on with the account because there is something wrong. They still did not answer me and instead reported me to the credit bureau and dropped me and raise my balance. I was forced to pay the balance in full just to protect what little of my credit is left but they have damaged me to the point of 100 points and still have not ever answered my complaint.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX continue to furnish information on my report that is not accurate and complete. I've written several letters to them to no avail.