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

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Complaint against mortgage lender Specialized Loan Servicing LLC. 

Payment : In XXXX 2016 my mortgage loan was recently assigned to the new servicer called Specialized Loan Servicing LLC. From the time they took over I was having many difficulties with them. I experienced the worst customer service from them They initially did not have an option to pay online and they did not send me letter timely so that I would not be late in making payment. I have to do my own research and then call them to make the payment. The process was very difficult and I had to be on hold for a very long period of time. 

I made my first payment with the agent and at the same time I requested them representative to setup a recurring payment. They were able to get my payment however when they setup the recurring payment they used an incorrect account number, so they never received the payment. Then I had to take the initiative and call them and be on hold for long time so that I can make my XXXX payment, and I am hoping that they will collect the payment for next month correctly. They are doing these things so that they can collect a late fee from me. 

Escrow account : I did not have any escrow account with them and yet I had a debit balance in the account. I called them several times to either apply that fund toward the principal or send me a check. Instead of doing that they established an escrow account made some payment some to somebody and never contact me to let what they are doing and why they are doing. 

I am responsible for making payment for home insurance and for property taxes and I am up to date for all those payments, so I am not sure why they established the escrow account. I called them and faxed them requesting for a response and they are not giving me a response. They put me on hold for very long time and then they are telling me to wait for a response later.
Product: Debt collection

XXXX XXXX XXXX XXXX Ct XXXX XXXX, NV XXXX Subject : Complaint against Admin Recovery LLC Dear XXXX, I am writing to file a complaint against Admin Recovery LLC XXXX who I believe has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

The debt in question has not been properly verified by Admin Recovery LLC, despite my request for verification. The details about the original debt and the amount owed have not been clarified to me. 

On multiple occasions, the agents of Admin Recovery LLC have refused to send proof of the debt, stating they will not settle even though I have sent a letter to that effect. They have also disclosed information to a third party, which I believe is a violation of my rights under the FDCPA. 

Furthermore, once I had informed them about filing a complaint with the FDCPA, the agents stated they would no longer communicate with me. They refused to assist or accept payment and threatened to negatively impact my credit score. 

I believe these actions are violations of the FDCPA, which requires debt collectors to provide verification of the debt, prohibits disclosure of debt-related information to third parties without the debtor 's consent, and outlines fair and respectful treatment of consumers. 

I respectfully request that the CFPB investigate this matter and take appropriate action. Please inform me of any steps I need to take to assist in this process. 

Thank you for your attention to this matter. 

Sincerely,
Product: Checking or savings account

I am a victim of identity theft. Bank of America has been extremely unhelpful in getting all fraudulent accounts in my name closed. 

On XX/XX/2022, I discovered someone had fraudulently opened a checking account in my name with Bank of America ( " BofA '' ). When I called BofA to have the account closed, I was placed on hold for almost one hour before finally reaching a representative. They told me they had closed the account, and that they would send a letter of correspondence to my address. I noted that the address on the fraudulent account was NOT correct, and the representative stated that they would note the correct address on my case to ensure accurate delivery. I was told the request for a letter would take 24 to 48 hours. 

On XX/XX/2022, I discovered another fraudulent checking account in my name with BofA. I called BofA again, and they stated that they had closed the account. I asked them to confirm the address the letter of correspondence would be sent out to. They, again, gave me the incorrect address. I, again, gave them the correct address, and they stated they would make a note on my case to ensure accurate delivery. They refused to provide anything in writing, stating they were unable to do so. 

On XX/XX/2022, I discovered ANOTHER fraudulent checking account in my name with BofA. I called BofA again to close the account. I asked the representative why I had not received my letter yet, neither by email nor snail-mail. They stated that their analysts had the request, but it would take " additional time '' to process. I requested escalation to management. The manager I spoke with put in an expedited request for the letter 's delivery. When they attempted to confirm the address, they STILL had the incorrect address on file. The manager assured me the correct address would be notated in the expedited request. 

On XX/XX/2022, the letter of correspondence was sent to the wrong address despite numerous attempts at correcting the mistake. 

On XX/XX/2022, XXXX XXXX ( " XXXX '' ) notified me of a FOURTH fraudulent account with BofA. This account was opened on the same day as the third account, and was open for almost two weeks before it was closed on XX/XX/2022. At this time, it was revealed that NOT ONCE DID BofA FLAG ME AS A VICTIM OF IDENTITY THEFT. This is why the perpetrator was able to continue opening fraudulent checking accounts in my name. I was told - again - that I could not receive anything in writing confirming anything that transpired over the phone with BofA representatives, and that I would have to, yet again, wait for a letter of correspondence.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a large purchase, which was emailed to inquiry if indeed i made the purchase and to approve it, they approve it, but then restricted the account by the fraud prevention. This fraud prevention was never requested, and its being used by citibank to harass me, limit use the card. Its not the largest charge. On XX/XX/XXXX made a charge of close to {$9000.00} paying property taxes online. This time was {$4800.00}, calls to Citi are transferred to some call center. They dont understand or speak american english, and they can not assist. The overseas call centers must end. 

A customer in good standing should be able to charge and use their credit without being harassed or shunned by citibank 's employees.
Product: Bank account or service

File against : PayPal Credit ( Bill Me Later, Inc ) Refusal to admit me in a hardship program for my XXXX, XXXX in car wreck unable to pay, I should qualify for a med hardship program? I am currently still treating for XXXX and XXXX resulting from a car crash that was not my fault. This XXXX has caused me to lose income and hours. I have repeatedly tried to bring this to the attention of paypal credit relating to my balance. My credit continues to get hurt because I am not on a proper repayment plan. I do not want my credit hurt, I want a proper repayment option or options that I may be entitled to given my XXXX hardship. All my other financial institutions have offered me programs for this type of issue. What are available to me? Please respond in writing to the mailing address on file, so that I can bring my account in good standing. Thank you. 

Your Desired Resolution : I do not want my credit hurt, I want a proper repayment option or options that I may be entitled to given my XXXX hardship. All my other fincancial institutions have offered me programs for this type of issue. What are available to me? Please respond in writing to the mailing address on file, so that I can bring my account in good standing. Thank you.
Product: Debt collection

XXXX account was sent to collections, I paid the collection company settled for less, XXXX XXXX XXXX -act # XXXX Paid on XX/XX/XXXX. 
XXXX sold the account to another collection company RPM Receivables Performance Management LLC. XXXX reported to the credit bureaus that I owed the remainder of the balance. RPM contacted me several times to try and collect what XXXX told them was a balance on the already settled account. I called XXXX several times to provide me with a letter that showed my payment settlement so I could provide proof of payment to RPM, I finally received proof in XX/XX/XXXX and sent to RPM VIA email. XXXX should have sent proof of payment within 10 days of my payment. XXXX should not have sent the remainder out for collection or reported it to the credit bureaus as owing a balance on the account. 
My Credit score has dropped due to this XXXX falls reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

These are not recognized and non-authorized hard inquiries on my credit report please have them deleted
Product: Credit reporting or other personal consumer reports

Firstly, there are inaccuracies on my credit reports from the different credit agencies regarding my student loan that falls under 15usc 1681. 
The student loan Mohela/Dofed on XXXX states it was open on XX/XX/XXXX. On XXXX and XXXX the loan was open on XX/XX/XXXX. XXXX states my balance is {$18000.00} however XXXX and XXXX state my balance is {$18000.00}. 

Secondly, when I filled out the student loan application I signed a privacy act form that said the school will not provide any transaction history to any third party companies which apparently they ignored. So pursuant to the family educational rights and privacy act of 1974 the school violated the act in the form.

15 usc 6802-6805 states Im able to opt out of financial institutions in giving my non public personal information to third party institutions such as XXXX, XXXX and XXXX without my written consent or without giving me ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I never received a non disclosure option or an opportunity to opt out of sharing my information with third party agencies.
Product: Bank account or service

I Bank with Bank of America. When I am having a check direct deposit into my account, it does not tell me the amount I am receiving from my employer. It says employers name and amount of XXXX cent until it clears. my check was deposit in on Friday morning. here it is Monday and the check still has n't been cleared and I still cant see my amount that was direct deposit in. My other bank tells me the amount shown as soon as a check is direct deposit in. why cant ban of America have this feature as well?
Product: Debt collection

This Company has never mailed notification of the debt however they are reporting to the credit bureaus. The debt collection practices are in violation of XXXX privacy laws as they have mailed the full and complete medical bill with private very personal information to my lawyers. The information submitted to the lawyers is inaccurate, the billing date is prior to the date of service. How is it possible to bill someone for a service before they were even admitted for an emergency? I have been sending certified letters to this company and they refuse to accept any of them. Very hard to work with someone that will not accept certified mail for proof of delivery.
Product: Student loan

I have been eligible for PSLF for 13 months. My Federal Student Loan dashboard accurately reflects that I have completed my obligation of XXXX qualifying payments. The dashboard of my loan servicer, Mohela, STILL does not reflect this reality. I have had to request multiple administrative forbearances from the loan servicer in order to avoid unnecessary payments while forgiveness is being processed. I will need to do so yet again on XX/XX/XXXX. 

Once more, I have been eligible for PSLF for more than one year! Both the loan servicer, Mohela, and Federal Student Aid who is handling PSLF and has not yet notified Mohela that my loans must be forgiven should be held to account. This is ridiculous. 

Months ago, I submitted a similar complaint to the CFPB. There was no resolution other than Mohela is " looking into it. '' Will the Consumer Financial Protection Bureau actually do its job this time? Or is a private attorney necessary? My patience is gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX along side XXXX XXXX, XXXX, Transunion and XXXX are all actively reporting incorrect information regarding a balance on an account. The balance is for {$6800.00}. This balance was paid in full, and has been for years. This needs to be removed, immediately, from my credit. This letter also serves as a letter of demand with intent to sue in accordance with the FCRA section 605. The aforementioned agencies will be receiving formal summons to appear in a civil court for violating the FCRA, FDCRA and consumer finance laws in accordance with state and federal guidelines. As such, the State Attorney Generals office and Department of Finance, along side state licensing board will receive complaints of illegal debt collection and reporting. You have untiXXXX XXXX XXXX to comply with this lawful request for deletion of illegal debt reporting, no further communication will be sent, if this is not removed by the aforementioned date this will be seen in court for the before listed companies involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent certified letters to XXXX, Equifax and XXXX regarding an error on my credit reports regarding XXXX XXXX XXXX. In these letters I stated that they were reporting this an an open account which is not under FCRA compliance. I also stated that there was account number with XXXX and it wasnt the full account number and on the other reports there was no account number at all. Also the dates are not the same and being reported as past due which is also not in FCRA compliance. All bureaus should be reporting the same information all around the board. While examining I noticed that the account was updated instead of being removed or corrected. I will attach an image of the reports showing all the errors as well as the certified letter receipts.
Product: Debt collection

Around XX/XX/XXXX I received a package of documents from Resurgent via LVNV Funding LLC for an alleged XXXX XXXX XXXX from XXXX. The bill has both my first and last name hugely misspelled and I never had an account with XXXX. 

My name is XXXX XXXX XXXX and the letter and debt are in the name of XXXX XXXX. Not me or my correct name. 

I called and communicated that the debt is either error or fraud and then continued to pressure me to pay the debt. The alleged debt alone is over XXXX years old. 

The date of the alleged debt is XX/XX/XXXX The amount is {$310.00} with an interest of {$420.00} for a total of {$730.00} I also looked online and LVNV Funding LLC is notorious for these fraudulent attempts to collect on debts. 

If I owed this alleged debt I would've learned of it far earlier than XXXX  years later.
Product: Checking or savings account

On XX/XX/18 a check for {$400.00} cleared my checking acct that was written for my credit card payment. The payment was never posted to my credit card and never refunded to my checking account. Ive called my bank 3 times and visited 2 different branches in person and have yet to get resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX To whom it XXXX concern : In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 under section 602 states I have the right to privacy, 15 usc 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions and lastly under 15 usc 1666b a creditor my not treat a payment on a credit card account under an open end consumer credit as late for any purpose. Because Capital one account number ending in XXXX Has violated my right with the fair credit report act Im looking for my late payment history to be deleted, which includes the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and lastly XX/XX/XXXX.
Product: Debt collection

I have a collection that is reporting to all XXXX credit beareau 's of a medical collection that is not mine. My son XXXX was taken to the doctor by his mother, and he was on my insurance. I left that job and my sons mother continued to take him to doctor which resulted in me still being charged, even though i no longer worked for that employer.After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in ( Whatever Year ). I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Mortgage

XXXX XXXX sold my mortgage to Select Portfolio Servicing , Inc. ( SPS ) this year. I have been making additional principal payments and the company has 1 ) not processed an additional principal payment of {$500.00} I made on XX/XX/XXXX and 2 ) processed an additional principal payment of {$1000.00} I made on XX/XX/XXXX as an advance payment instead of additional principal payment.
Product: Debt collection

I never had a student loan. I am the victim of identity theft. Security Credit Systems , INC. has sent a request for a debt with the following : -hand written interest rates in ink -a " contract '' without a signature -an address I never lived at -a name that is not mine -relatives/references that I do not know -a phone number that is not mine - a " contract '' stating amount financed of {$2800.00} and total of payments of {$2800.00} indicating this has been paid -a section stating " number of payments '' with report of XXXX payments being made on this fraudulent loan I have never had a student loan. I have never given written permission for a third party to have my personal and private information. I have never utilized the name on the " contract ''. I have never signed any document to take out a loan/money with this company nor XXXX University XXXX 

You have illegally reported information to several third parties and credit bureaus. Your fraudulent practice and this fraudulent loan has tarnished my name and my buying power. 

Security Credit Systems hand wrote in information on a " contract '' showing how fraudulent it is and how this is not a valid contract, clearly showing there is not a signature line. On the " contract '' there are also changes in font and font size showing this has been doctored up just to attempt to claim a fraudulent debt
Product: Debt collection

I turned in my equipment with  XXXX  and paid my last statement that I was aware of and then I noticed on my credit repo rt that STELLAR RECOVERY INC  placed a collection against me in the amount of  XXXX . I was unaware of any payment due and never received notification before it being placed on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I received a letter stating, " They do not report any bankruptcies to anyone. '' Therefore, if that is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to 15 USC 1681.

15 USC 1681. section 603 ( 3 ) ( E ) states, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of that consumer reported on or with others that he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681.

- According to, U.S.C. 1681 section 602 A. states I have the rights to privacy.

- According to, U.S.C. 1681 section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instruction - According to, U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.