23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This company ; Studen Assist Plus contacted me when I finished with my online schooling in 2015. They asked me about being able to pay my loan and told me they was a student forgiveness program. I would pay them {$29.00} a month and as long as I'm enrolled it will take care of my student loan. I asked the company where is the {$29.00} going to and they told me it was their fee, I also asked what happens to my loan when I am finished with this program and was not given an answer. I really didn't think too much about it until I spoke with a representative from XXXX since they now have my loan after the last company no longer has it. Also the whole time that repayments have been on hold because of covid I have paid Student Assist Plus the {$29.00} a month, so again where was the money going to and why was I paying this when there was a freeze?
Product: Checking or savings account

I tried logging into my account was unable then i called they said my account was permanently suspended and disconnected
Product: Consumer Loan

I made a payment on my Conns account XXXX XXXX, 2016. They applied it to the wrong account. The missed a number in the account number. I have sent the receipt to them several times, I have talked to them on the phone regarding this payment about 50 times now. They still do n't have it fixed. They have added several late fees on my account. I had a cash option til XXXX/XXXX/16 which has been taken off due to late payment. They have put it on my credit that I have a missed payment. I have made all my payments on time and every time that I talk to them they issue a problem ticket to the department to fix this. No one that I talk to can fix this and they wont let talk to them. I need this to be fixed and I do n't know what else I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report. Accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Last Reported on XXXX XXXX, XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXXl XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Last Reported on XXXX XXXX, 2017 Balance {$150.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Last Reported on XXXX. XXXX, 2017 Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Last Reported on XXXX. XXXX,2017 Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Last Reported on XXXX. XXXX, 2017 Balance {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Last Reported on XXXX XXXX, 2017 Balance {$8700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Last Reported on XXXX XXXX, 2017 Balance {$850.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrote letters asking to remove several accounts. As of the XXXX and one account in XXXX. I was a XXXX XXXX. As of today I am trying to get my life on track. I also was so informed by the IRS someone in the state of California received benefits in my name... I have never lived in state nor ever went to the state. I have my results on my health and police report
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX 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 XX/XX/2023 to XX/XX/2023 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX 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: Debt collection

First never got any written notification sent to me about this alleged debt, then sent a letter to I.C. System, inc on XX/XX/XXXX  about an alleged debt on my credit report and asked if they could send me information about the debt and the response letter on XX/XX/XXXX  was they could not find any information with my name attached to that debt. Waited several weeks and still it remains on my report, called around XX/XX/XXXX  to follow up and again ask to send me information and the original contract and was told there wasnt a contract it was a verbal agreement but yet still have not received anything nor has it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows and is not mine XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$7700.00} XXXX {$7700.00} XXXX - {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} XXXX  {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance Owed : {$1800.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX  XXXX Balance Owed : {$16000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX  XXXX Balance Owed : {$1400.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint via the CFPB today to inform the Credit Bureaus I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 the identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Around XXXX I received an automated call from Mr. Cooper saying that my escrow account had a shortage of {$380.00} and that my mortgage payment would be going up unless I paid the shortage. I stayed on the phone and was connected to an agent who explained that I had to maintain a balance of {$750.00} at all times in my escrow account and that I would be short at some time during the year. I explained that there was a credit of {$340.00} that should have been applied to my escrow account due to a double payment of a mud tax. He said that there was still a deficit. I hung up and reviewed my online escrow analysis statement and did not see the {$340.00} credit to the escrow. I called back and the agent I spoke to this time told me MR. Cooper has the right to raise my escrow payment because they do not know how much payments out of escrow my increase. I asked her about the {$340.00} and was again told I needed to maintain a balance of {$750.00}. I hung up with this agent. On XXXX I called back and asked to speak to a supervisor in the escrow department and was connected to XXXX XXXX who stated he did not see the {$340.00} credited and was escalating the issue because my XXXX payment was approaching. He asked me to give him until Monday XXXX and he would get back to me. On XXXX I emailed MR. XXXX because I had not heard back and received no response. I called on XX/XX/XXXX and informed the agent XXXX that I wanted a supervisor to call me back on XX/XX/XXXX, XXXX told me her supervisor was off but she should communicate this request to other supervisors XXXX or XXXX. I did not receive a call. I further reviewed the escrow analysis and was able to determine that the escrow credit was applied in XX/XX/XXXX. The issue is on the XXXX analysis they did not give credit for the XXXX escrow payment of {$610.00}. I called on XX/XX/XXXX and spoke with XXXX and explained this to her and she ran a new escrow analysis and this time said the shortage was {$340.00}. I asked her how this was possible, she sent me the new escrow analysis and with this one she added the XX/XX/XXXX escrow payment but removed the XX/XX/XXXX payment that had been on the original escrow analysis of {$570.00}. I asked to be put in touch with a supervisor in the escrow department and was transferred to XXXX an escalation specialist. She was going to submit a request for an escrow analysis to be ran reflecting a payment for each month in the statement, The shortage is caused because I am not being given credit for a month 's payment of escrow which has lowered the projected beginning escrow balance which is reflected as XXXX. My current escrow balance is {$1300.00}. No one has been able to explain to me why the numbers in the escrow analysis are not reflective of the current balance/payments that I can view online.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Upon reviewing my credit report, I have discovered certain inaccuracies in the following item ( s ) : 1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Other information I would like changed XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated. 



Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Grain Technoloy is reporting a collection/chargeoff to the credit reporitng. XXXX is reporting the high credit limit as XXXX. XXXX is reporting XXXX XXXX is reporting XXXX. Furthermore XXXX is reporting that the date of last payment is XXXX, however they have continued to report a payment history for XXXX and XXXX it is a violation for a chargeoff to continue to report a payment history. Additionally, XXXX is reporting the date of last activity as XX/XX/XXXX. XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Even with all these inconsistencies, each company continues to respond that the account has been verified as reporting accurately. These inconsistencies prove that no reasonable or proper investigation has occurred. I have been disputing these accounts for a year. FCRA section 616 for civil liability for willful non compliance, ( 15 U.S.C section 1681nh states that any person who fails to willfully comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of A- any actual damage sustained by the consumer as a result of the failure or damage of not less than {$100.00} and not more than {$1000.00}. i have suffered damages to my credit profile which has impacted my financial wellbeing. I would like to be compensated by these bureaus in the sum of more than {$100.00} and not more than {$1000.00} for their negligence in causing these violations and damages to my credit report According to FCRA 623a ( 1 ) ( A ), 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. 

Grain continues to verify that the account belongs to me and blantly ignore all of the erros i have disputed on my credit report. 

B ) reporting information after notice and confirmation of errors- a person hsall not furnish information relating to a consumer to any credit reporting agency if ( 1 ) the person has been notified by the consumer at the address specified by the person for such notices that specific information is inaccurate and the information is infact accurate. 

Here, for the i have dipsuted for a year with all three credit buraus constantly pointing out the inconsistencies that are being report. Each time, the bureaus confirms that grain has verfied the account as accurately, however, all of these consistencies and inaccuracies remain. 

in fact, XXXX is reporting the date of last payment XXXX, and XXXX  and XXXX is XXXX XX/XX/XXXX, a clear indication that there is an inconsistency and the information is not reporting accurately. Grain is aware of this as they are the ones who provide verification to the credit reporting agencies. This is a clear willful non compliance.
Product: Checking or savings account

MoneyLion is a new bank that was offering a 'Pave the Wage ' promotion to join. The promo was 17 % of initial direct deposit, up to a max of {$590.00}. I signed up and opted-in to the promotion and made my first direct deposit on XX/XX/2019. I never got a confirmation, so I emailed the company to make sure I was eligible. The reply states I would be opted in to the promotion. I then made continuous direct deposits of my pay every 4 weeks. The promo states the {$590.00} bonus would be paid at 90 days. 

It has been well over 90 days and no bonus. I tried to contact the company by email, XXXX XXXX, XXXX XXXX, and using their online help. I have not received a single reply. 

And, within the last week, the company raised {$XXXX} XXXX dollars and now has a valuation of $ XXXX. 

Terms : XXXX XXXX XXXX  Copy of email : XXXX XX/XX/2019, XXXX XXXX Hello, Thank you for your response! 

I have submitted your information to be included to be opted in. We appreciate your patience! 

Best Regards, MoneyLion Support Team
Product: Debt collection

I would like to bring to your attention that Ive been a victim of Identity theft and my driver 's license was stolen at XXXX XXXX XXXX XXXX Back in XXXX. This incident has added to the complexity of the fraudulent activities that have affected my financial well-being. 

I have already involved the local law enforcement authorities and am fully committed to prosecuting anyone found to be involved in these fraudulent activities on my credit report. 

I kindly request your urgent assistance in investigating this matter and taking appropriate actions to rectify the fraudulent accounts and transactions on my credit report.
Product: Debt collection

Midland Credit has been sending me letters and calling dozens of times a day for months. I have disputed this debt multiple times with both credit bureaus and have gotten absolutely nowhere as they just send the exact same documents to me and state that I am responsible for this debt. 

I am NOT responsible for this debt and I have notified them multiple times over the past 2 years. I am now being sued in court by a lawyer and have a court date on the XXXXXXXX XXXX XXXXXXXX. I am a XXXX percent XXXX XXXX  and only collect my XXXX benefits. I have no other source of income. They do not " investigate '' the dispute, they just send the same documentation accusing me of a debt that is not mine. 

I have been threatened with legal action AND now have a court date. I can not afford a lawyer. 
I can't dispute the debt anymore than I already have with continuing to be ignored in my disputes and then threatened legal action and to take my XXXX pay. 

This is not my debt as I have communicated this over XXXX times now. I do not work and only have my XXXX benefits so on top of hundreds of phone calls and letters, to include letters from a lawyer, I have not only been threatened with legal action, I have had it taken against me for a debt that is not mine and have to go to court for this. 

I have also had the sheriffs department show up at my door and serve me.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Columbia Debt Recovery LLC DBA Genesis put a collection debt on my credit report before providing proof of debt XX/XX/XXXX. I finally got proof of debt letter dated XXXX. XXXX, XXXX and they provided the final move out statement for money owed in the amount of {$5100.00} belonging to only XXXX XXXX and XXXX XXXX. I was removed from the lease in XX/XX/XXXX due to going to college at XXXX XXXX XXXX XXXX. The final move out statement shows the lease ending XX/XX/XXXX. The debt collector has failed to provide the lease renewal with new dates and rent increase because they know I am not on it. I emailed the apartment management company on XX/XX/XXXX to correct the error and their response was vague. There is no history of the apartment management company reporting late payments from XXXX on my credit reports because I was removed from lease.
Product: Credit card

We made a major purchase using our newly opened credit card and that day made a purchase of over XXXX to my account. I had the money available to pay for the new purchases on this card and was advised be the associate that there were promotional that will benefits us that lowes was offering. The next day i went to the lowes to pay off the charges of XXXX every time i tried it failed stating that i there was an incorrect account number and a host of other reasons. There was one time i had to put loews of syncrony on a three way with my bank the verify that the funds was available after they denied me. Lowes failed me when they created a system that on a purchase i had of over XXXX they would not draft the account at the purchase and also while the order had not received by the customer. but they Synchrony / lowes would randomly check my account and randomly attempt a draft or check if the money were in the account, this is while the product had not been received by the purchaser. then charge the consumer, me with nonsufficient funds of failure to pay or have available the money. They had me switching monies between accounts making things difficult to keep up with their unfortunate account arrangements all awhile i was in communications with my bank and synchrony bank. They, Synchrony Bank cancelled tow accounts, lowes only opened less than 90 days and XXXX card i've never accepted nor used. My wife and i her complaint # is XXXX aIt XXXX astonishing to the quickness and willingness of this institution to send us XXXX XXXX XXXX  stating I have made dishonorable payments on other accounts accounts with synchrony bank and that Activity on your account with synchrony bank is indicative of a high risk of failure to pay. Willingness to discredit me is indicative of a financial system that is historically void if equality and equity. I am a XXXX XXXX XXXX XXXXXXXX XXXX XXXX and deserve more. 
XXXX XXXX XXXX