23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Alert Type : Potentially Negative - New Collection Found On : XX/XX/2020 A collection change has appeared on your credit report. Please review the details of the alert for information that may indicate identity theft. 
Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

SourceXXXX Alert DateXXXX Balance Amount {$910.00} Is Collection YES Open Date XX/XX/2020 Payment Status UNPAID ( D ) Status Date XX/XX/2020 Name HARVARD COLLECTIONS Street Address XXXX XXXX XXXX CityXXXX StateIL ZipXXXX  Alert Type : New Account - New Account Found On : XX/XX/2020 A new account has appeared on your credit report. 
Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

SourceXXXX Alert Date XX/XX/2020 Account Balance {$910.00} Payment Status XXXX Name HARVARD COLLECTION SERV Business Type YC Street Address XXXX XXXX XXXX CityXXXX StateIL ZipXXXX
Product: Debt collection

XX/XX/year> XXXX Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim that I owe you money and requesting validation. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. This is a request for proper validation, not mere verification of my address or any other superficial details, as mandated by the above-named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under state and federal statutes. Debt validation includes the following : Who was the original creditor on this account, and what was the account number? What was the original amount owed? Please provide a complete payment history, starting with the original creditor. Please provide documentation that demonstrates I am legally obligated to pay this debt. What was the original date of delinquency for this account? Provide the agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your receipt via certified mail, or a complete removal in writing of your claim from my credit profile. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also reserve my right to take private civil action against your company to recover damages. I hereby notify you that you do not have my consent to communicate with me through any means. Furthermore, I did not authorize you to obtain or possess my personal and private information. Any such actions constitute aggravated identity theft. Additionally, I did not authorize you to report my information or name to any consumer reporting agencies. Failure to comply with these directives will result in legal action. In addition, the Fair Credit Reporting Act states that during the investigation, you must indicate to the bureau that the account is under dispute and cease reporting this information to the Credit Reporting Agency until full validation has been completed. A copy of this request for validation has been sent to the XXXX national Credit Reporting Agencies to begin their 30-day investigational process concurrently with your own. 


THEY ALL SO SAID THERE WAS NO LETTER SENT TO THEM I SEND CERIFIED MAIL ON XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX
Product: Debt collection

I was renting an apartment with the company called XXXX in XXXX. They are a major apartment rental company and control many properties throughout the U.S. When I moved out, they sent a bill for {$6400.00}. I disputed that bill but ultimately ended up paying it even though I did not agree with all the charges. I wrote a check to the company for the full amount using my tax refund and a loan from family and friends. 1 week later, the check was cashed by the company. I was never contacted about it again until last month which by this time was 1 year later. I paid the bill in XXXX of XXXX and was contacted about the same bill in XXXX. I told them that I paid it and even showed them the proof that they took the money from my account in the form of a bank statement. They said they would investigate and get back to me. They never did, they sent it straight to collections which will now negatively affect my credit. On the XXXX XXXX XXXX website, people have posted similar things happening to them. They are using predatory tactics and selling peoples information to debt collectors even after receiving money.
Product: Debt collection

Please note that I am XXXX XXXX XXXX, I have Medicaid and Medicare there is an account that i have been disputing for over 4 years, the account is being removed after passing verification and the Collector, insert the account back to my credit files, using a different date for the opening of the account this is an unfair practices, as I said I do have medicaid and medicare, this have been claridief by the original creditor several times and information passed through collection agency the collection agency continues trying to collect and damaging my credit file using incorrect data without the original creditor knowing, I do not owe this account and it os not mine per previous verifications,
Product: Credit reporting or other personal consumer reports

I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

They also didnt even record the disputed information 's current status, which is another violation. I have all the evidence attached below. 


XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a {$12000.00} outstanding mortgage balance listed on my credit report for a mortgage I no longer have. The XXXX XXXX XXXX XXXX XXXX took over the mortgage : first and second mortgage yet the second one continues to be listed on my all 3 of my credit reports : Experian, XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/2019, I was looking for tickets to XXXX XXXX. I was approached by a woman named " XXXX XXXX '' email address : XXXX, XXXX : XXXX   : XXXX? XXXX. She told me she had two tickets to XXXX  XXXX, and even sent me a " Confirmation Email of purchase '', I foolishly believed her even though the grammar was questionable in some spots, but I assumed it was a translation as English didn't seem to be her first language. I played it safe and asked questions, and she assured me I had nothing to worry about and was genuine, and could not attend the event due to her son being sick. She insisted I send through friends and family, and I wanted to send through services, but remained optimistic, a stupid choice on my part. I sent one payment to be safe, and would've demanded the first " Ticket '', before sending the second. She told me the tickets were together, and to get them, I'd need to pay in full. I asked for the tickets, THEN I would pay but she insisted her husband was in a hurry. Nervous, I sent the second payment with faith there were good people in this world, that faith was immediately stripped when she sent me a crude fake image, and then immediately blocked me on XXXX. 

I have heard you can not dispute friends and family transactions, but when I saw that this was protected by http : //www.dbo.ca.govConsumer Financial Protection Bureau , I immediately came to dispute. 

I have MESSAGE EVIDENCE from XXXX I can provide. Here is a folder of said evidence : XXXX XXXX XXXX XXXX Once again, her name was XXXX XXXX, XXXX XXXX XXXX : XXXX? XXXX
Product: Credit card or prepaid card

I submitted an online payment of {$200.00}. to my Care Credit account managed by Synchrony bank on XX/XX/2019. After my account closing date, I received notice of no payment received. I immediately contacted Synchrony Customer Service they claimed the {$200.00}. payment was never received. I was forced to make a double payment to keep my account in good standing, then I disputed the non-payment issue immediately. Some how Synchrony Bank has lost the {$200.00}, and will neither refund it or apply it to my account, because they dont see where it went. I have submitted the information from my credit union, XXXX, showing that the electronic payment was sent and received by Synchrony Bank. While XXXX XXXX XXXX researched the matter, tooth the customer service manager and our local branch manager noticed that in the history of our payments to several different cards, Gap, Walmart, and Care Credit cards all held by Synchrony were bearing the same ACH number. XXXX managers both stated that this is highly irregular and was suspicious, as each individual credit card payment should bear its own ACH number. Synchrony also ran my credit right after my complaint and slashed my credit line down to the point it affected my credit score. They did a similar action to my wife several months ago, affecting her score as well. I feel Synchrony bank is practicing unfair and possibly illegal credit operations. I am again, faxing more information to them today, however, 3 months have passed and I doubt there will be resolution. I would like to either have the monies refunded to me with the same interest they charge me or the same be applied to my Care Credit Account. Thank you for your assistance. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$8400.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am having very bad experience with remitly, they transferred wrong amount to my foreign account, waiting for them for last 10 days on reply, i noticed this after long time that I received wrong amount, it would have gone unnoticed for somebody else who is doing business with them, I understand no systems are prefect but after knowing that they transferred wrong amount they are not taking any action, I was assured to resolve this in 24-48 hours now today is 10th day and no action Transfer number : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Every time I call NFCU to get an update on the written request I submitted on XX/XX/2024. They change the information that is required on the written request. They add something new that I should have put on the request instead of giving me Everything needed to make a written request from initiation via email to XXXX. It has been close to a week I have been snubbedand or misled. The last representative I spoke with at XXXX AM on XX/XX/2024 just sent me to a survey after I asked to speak with her supervisor. Similarly to this post https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX LXXXX XXXX XXXX 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

In an online credit application for XXXX XXXX XXXX   XXXX, which included SIGNED, XXXX XXXX XXXX, PRESIDENT, XXXX XXXX XXXX, US BANK AND XXXX XXXX, CEO, XXXX XXXX XXXX So in the ONLINE APPLICATION, it says ' {$100.00} CASH BACK if you spend {$200.00} in Net Purchases in first 40 days of account approved/opening ... it may take 6-8 weeks to receive {$100.00} Statement Credit '. 
THAT WAS XX/XX/2018 NOW XXXX both XXXX and Supervisor XXXX, 'NEVER HEARD OF IT ' Sorry, Lady, end of dicussion, just nothing, never heard of it. 
Also, the BRAND POINTS PROGRAM IS A LIE AND THE 25CENTS OFF PER GALLON OF GAS FOR A YEAR IS A LIE ... NO ONE IN THE XXXX STORE KNOWS ANYTHING ABOUT A N Y OF THIS ... THEY WON'T EVEN TAKE A PAYMENT ON THE CARD AND SAID TO ME NO ONE ELSE TAKES PAYMENTS EITHER WRONG .... 
XXXX XXXX XXXX I ACTUALLY DO NOT KNOW OF A STORE CARD THAT DOES NOT TAKE A PAYMENT Summarily, this ENTIRE 3 Enducement Offers ARE A LIE AND DO NOT WORK ... AND IGNORANCE OF ANY OF THEM IS AMAZINGLY A B U N D A N T.
Product: Payday loan, title loan, or personal loan

We filed a complaint in against Greensky because we were mislead by the sales agent who opened the loan. Since we filed our complaint we have been given misleading information about the status of our loan. I am attaching a screenshot of our loan portal on XX/XX/XXXX that shows our account at and XXXX balance. We have been told that no more interest would be applied to the account until the matter was settle. Now were are getting conflicting information saying our balance is going to be reinstate and interest was applied to our account after XX/XX/XXXX. But even today when I log on to our online portal it says that our account balance is XXXX. I am attaching copies of screenshots from XX/XX/XXXX and today XX/XX/XXXX. We are concerned this is another attempt to mislead us and to add more fees and charges to our account and to trap us into owing them even more money.
Product: Credit reporting or other personal consumer reports

On multiple occasions I have contacted the reporting agencies on account # XXXX reported by XXXX XXXX XXXX the account information is inaccurate and to be removed. Charge off debts are taxable income and can not be reported on any consumer profile. This is a violation of ( FCRA ) 15 USC 1681e ( b ). Also XXXX has been informed of XXXX out of any reporting to any agency. IRS publication proves Charge offs are taxable income and income can not reflect on a consumers profile I demand immediate deletion of this account reported by XXXX XXXX XXXX. I have also made a complaint on XXXX with the XXXX XXXX XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX directly. By law, they must recall the account from Convergent Outsourcing. They have no legal reason to report on my credit reports and must delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled my report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX XXXX XXXX XXXX XXXX -XXXX XXXX/XXXX  # XXXX -XXXX  XXXX XXXX  # XXXX -XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX
Product: Mortgage

It has been reported to the credit agencies by Citibank that we have missed mortgage payments and are delinquent. The reporting of this information by Citibank is an error and is false. As a victim XXXX we were told by Citibank that we were eligible for a forbearance on our mortgage payment. We were informed that the excused mortgage payments would be added onto the end of the loan. At the end of the forbearance, we started to make regular scheduled payments. Shortly thereafter, we received notification from Citibank that the entire balance for the months of the forbearance were due in full. When we called, we were told by Citibank that the information we received regarding the repayment of the forbearance amount was incorrect. Citibank stated that this was the result of inaccurate and misinformation being administered by customer service because of the unique situation regarding XXXX XXXX. Citibank further stated that in their effort to administer aid to XXXX victims as quickly as possible customer service was not fully knowledgeable of what procedures regarding forbearances were permitted. 

As a result, every mortgage payment we made was being applied to the payments due during the forbearance period thereby making our current payments appear late. We have been trying amicably to resolve this issue and have spoken to countless customer service reps, supervisors and have even written to the office of the President, to no avail. Even after sending us two separate letters stating that they would repair our credit, CitiMortgage has failed to rectify this matter. This has been going on since 2012 and our credit reports appear as if we have missed numerous payments. This is not possible because the forbearance was only for XXXX months and when it was over we started making payments and have continued to do so to date. As of XXXX 2014, Citibank sold our loan to XXXX and the misinformation and negative reporting has been continued by XXXX. We were with Citibank for close to XXXX years and never missed a mortgage payment.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX  XXXX 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 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. 

XXXXXXXX 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
Product: Consumer Loan

this loan was discharged in a bankruptcy in 2010 and PNC will not take the lean off of our house. I am a widow, XXXX years old and have to handicap XXXX.. I am on a fixed income.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX let someone enrolled in there program pretend to me without properly Identifying themselves. According to XXXX XXXX XXXX XXXX the school No ID is required upon the sell Ive never lived in XXXX XXXX and never visited there. Ive lived in XXXX my whole life I called the school XXXX XXXX XXXX XXXX and the Department of Education as well I filled a police report in XXXX XXXX and XXXX XXXX I put a fraud alert on my credit report. The person fraudulently opened up student loan live at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The student is enrolled without meeting the minimum requirements ( high school diploma or equivalent ), the XXXX XXXX XXXX because I didnt graduate High school nor do I have a GED equivalent education which means the student is Ineligibility for Federal Financial Aid : Federal rules require institutions to certify that students meet the qualifications for enrollment to receive federal financial aid. 
Potential Civil Fraud Claims : this student can not benefit from the program due to a lack of a high school diploma or equivalent, they should have to repaying student loans and potentially file a civil fraud claim against the school. 
Accreditation Issues : Institutions that don't adhere to accreditation standards or requirements should face consequences, including loss of accreditation and federal charges for falsifying government funds