23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I didn't/don't have a contract with them and I want it removed from all XXXX credit bureaus.
Product: Vehicle loan or lease

Account with Skopos Financial was closed as of XX/XX/XXXX. Loan was never late or reported late until loan was paid in full. Received 30/60/90 late to all 3 credit bureaus as of XX/XX/XXXX. Spoke with several employees, who were unwilling to help or care. Submitted a complaint with the BBB then finally Skopos contacted me and resolved the issue with all 3 credit bureaus. Well as of XX/XX/XXXX, the same 30/60/90 late are reported again. Once again contacted Skopos ... XXXX who stated she could not give me her last name or her supervisor said they had not reported anything. They have, to XXXX and XXXX. Please will someone look into this company as a whole, not just for me but for other consumers. Read some of the horror stories. They are the worst financial institution I 've ever had to deal with.
Product: Student loan

On XX/XX/XXXX, I received this message from Fedloan about my income-driven repayment plan : Hello XXXX, You need to recertify your Income-Driven Repayment ( IDR ) plan today! 
Consequences If You Don't Recertify Your monthly installment amount will most likely increase Your interest may be added to your principal balance Your payments may not count towards Public Service Loan Forgiveness. 
You currently repay your loans on an IDR plan. Since your payment is based on your income and family size, it is required that you recertify annually. You must have your completed application and any supporting documents to us by. 
Its fast and convenient to recertify your IDR plan online! 

Because I did not want to lose my income-driven repayment status, I immediately re-certified for it. Contrary to what FedLoan had promised in the message, I temporarily lost my income-driven repayment anyway. They approved the income-driven plan for {$130.00} a month, but said it started in XX/XX/XXXX and I had to pay a much higher amount in XX/XX/XXXX ( {$540.00} ), an amount that I could not afford.

This info can be found in IDR sequence 57. 

FedLoan explained that because my loans had different recertify dates, recertifying was ealy for some of them, which knocked me out of income-driven repayment on those loans. This is contrary to what was promised. In other words, it was THEIR mistake, but now I was going to pay for it. 

Knowing that I should have been kept on income-driven repayment, I paid the {$130.00} income-driven amount for XX/XX/XXXXinstead of the {$540.00}. I only did this on the advice of FedLoan workers who helped me over the phone. They admitted FedLoans error and said everything should be cleared up by XXXX, through an override request. I am unwilling to wait that long for something that may not be rectified. 

I spoke to XXXX ( employee # XXXX ), XXXX ( employee # XXXX ),, XXXX ( employee # XXXX ) and XXXX ( employee # XXXX ). All were gracious and helpful, but the fact remains that FedLoan messed up and I am the one paying the price for their error.

Meanwhile, FedLoan is sending me text messages, acting like I missed my XX/XX/XXXX bill. I did not miss that bill. I paid the approved income-driven payment of {$130.00}. I did not pay the {$540.00} in erroneous charges that they are billing me for.

What I want is simple and fair. I want FedLoan to override my erroneous XX/XX/XXXX payment and give me credit for my on-time payment of {$130.00}. I also want full credit for that payment towards my Public Service Loan Forgiveness. 
I re-certified on time. And yet I am being punished as if I did not. This is unacceptable behavior on the part of my loan servicer.
Product: Debt collection

I, XXXX, XXXX XXXX, a natural living being of majority status conducting the style and condition of The Principle and Beneficial Equitable Holder, and not an infant/minor, have exercised my right to rescind the transaction with DISCOVER BANK as part of my equitable relief. DISCOVER BANK then sent me 9 documents if title, that I have remitted to DISCOVER BANK for discharge and offset of the account. The account hasn't been updated to reflect the remittance ( s ) that was sent and received via certified mail.The following month I proceeded to send out a billing error/ breach of fiduciary duty notice to DISCOVER BANK via certified mail which has also been received.

I have also opted out and rescinded any authority may have given DISCOVER BANK to report about me to any 3rd party which they have not honor and i have a right to privacy.

Please see the following attachments : Remittance ( s ) Billing Error/ Breach of Fiduciary Notice Power of Attorney, CAF Notice , Fee Schedule Opt Out Notice Name Copyright Passport Card
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Subject : Formal Complaint against Portfolio Recovery Associates Amount : {$1100.00} Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Portfolio Recovery for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Portfolio Recovery placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with Portfolio Recovery Associates, including text messages, emails, and phone calls. I insist on engaging through written correspondence. 

In line with my rights under the Fair Debt Collection Practices ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Portfolio Recovery provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Portfolio Recovery is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 

The date on my consumer report indicating that I opened an account with Portfolio Recovery Associates is blatantly false. I neither received any services nor products from this company. This information tarnishes my credit history and infringes upon my consumer rights. 

Moreover, it has come to my attention that Portfolio Recovery is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. 

The actions of Portfolio Recovery constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( C ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-s2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 

Please keep me informed about the progress of this complaint, and I appreciate your attention.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXXXXXX XXXX XXXX. Account number : XXXX Balance : {$14000.00} XXXX XXXXXXXX Account number : XXXX Balance : {$7500.00} XXXX Account number : XXXX Balance : {$10000.00}
Product: Mortgage

We have been trying to get a modification through Mr. Cooper but keep getting denied. We have asked numerous times about paying a higher rate, that they proposed due to them not being able to modify our account enough to lower the payment and now they are wanting to reset a sale date on our home. We have shown them again and again that we are financially able to make payments at the higher rate, but get nothing but a run around.
Product: Credit card

I changed autopay option for my credit card : Sapphir Reserve with Chase. Initially my autopay bank wasset to XXXX  full balance. When I changed the bank, my autopay default was changed to pay minimum balance. As a result interest was charged for XXXX and XXXX. I tried reaching out to Chase but apparently their system wont allow them to even though they changed my default option of paying.
Product: Mortgage

Our loan was sold by Loancare to XXXX XXXX in XX/XX/2017. Loancare has continued to deduct payment by ACH from our checking account. Two of those payments were forwarded on to XXXX XXXX ( posted late ). Loancare is continuing to withdraw funds and are holding the funds. When contacted they said that they do not have the funds, and that they are not deducting and that we must have set up bill pay thru our bank ( which we do not have and copies from the bank reflect such ). I have called and e-mailed their payment dispute e-mail both mortgage companies and neither have responded. I have also contacted the bank to request that the funds be retracted and all future withdrawals prohibited, but the errors are persisting. 


IN ADDITION, Loancare has been not been posting previous payments in full. They are short by {$5.00} each month ( possibly since the loan opened ), and are not posting payments as of the first of every month, which enables them to collect additional interest. Payments are being deducted twice a month for mortgage payment due the following month. Why is it that they payment is coming out in the prior month, yet they do not post on the first, but post between the XXXX and XXXX of the month?
Product: Credit reporting or other personal consumer reports

XXXX ) XXXX XXXX continues to be in violation. Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I have never given written consent for any reporting on my consumer reports, and am invoking this law to address this issue. Consent is absent and this constitutes as fraud. Also, Inaccurate reported late payments and billing errors. This account is in violation. 
Under 15 US Code 1605 ( a ) - If a finance charge was included which is the sum of all payments, there should be no late payments on this account.

15 USC 1692 ( g ) - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS. This account must be deleted immediately. 

XXXX ) XXXX XXXX XXXX - XXXX # XXXX : Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I have never given written consent for any reporting on my consumer reports, and am invoking this law to address this issue. Consent is absent and this constitutes as fraud. Consent is absent and this constitutes as fraud. Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation. 

XXXX XXXX XXXX - XXXX # XXXX : Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports. I have never given written consent for any reporting on my consumer reports, and am invoking this law to address this issue. Consent is absent and this constitutes as fraud. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I have never given written consent for any reporting on my consumer reports, and am invoking this law to address this issue. Consent is absent and this constitutes as fraud. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent notice to Experian about items that I have identified on my credit report that are the result of identity theft. I sent a copy of the FTC report identifying each item, my ID, proof of residency and a letter further identifying these fraudulent accounts and inquiries as well. Tracking confirms that Experian received these documents on XX/XX/2023. Today is XX/XX/XXXX. These items should have been removed by XX/XX/XXXX but they are still on my credit report. I have provided all of the required documents and I will include the tracking details in the attachment section.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX  Balance : {$29000.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report on XX/XX/XXXX i seen that XXXX XXXX reported a negative items ( LATE PAYMENT ) on my credit report. I wrote XXXX XXXX 3 certified letters and got NO RESPONDS! on My 1st letter was XX/XX/XXXX certified mail 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 On the XXXX  report its reporting 100 % on time but showing late payment that is inaccurate! 15USC 1666b TIMING OF PAYMENT! A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.. 15 USC 1637B I never got a letter in the mail b4 or after the payment due date. SECTION 623 ( A ) ( 7 ) ANY FINANCIAL INSTITUTION THAT FURNISHES NEGATIVE INFORMATION TO A CONSUMER REPORTING AGENCY MUST PROVIDE NOTICE TO THE CONSUMER BEFORE OR WITHIN 30 DAYS OF FURNISHING SUCH NEGATIVE INFORMATION IN WRITING TO THE CONSUMER ITS A FCRA REQUIREMENT, SO WHY IS IT A LATE PAYMENT ON MY XXXX, XXXX XXXX TRANSUNION, ,MY RIGHTS TO PRIVACY HAS BEEN VIOLATED 15 USC 1681 ( A ) ( 4 ) BY XXXX  AND BY XXXX, XXXX XXXX TRANSUNION XXXX! XXXX! REMOVE THIS LATE PAMENT!!! XXXXXXXX XXXX XXXX
Product: Debt collection

I have disputed the debt shown by them on my credit report. After asking for a method of verification in which they have not responded to the bureaus request they have contacted current and previous landlords. They have also sent a letter requesting information on me from an attorney 's office as they have not verified the debts as accurate and mine. 

The letter also shows my name as inaccurate as my name and only name is XXXX XXXX XXXX. 

It is the law that this company reports this information accurately on my credit profile. In this instance this information has NOT BEEN VERIFIED, nor is it being ACCURATELY REPORTED. 

Midland Funding has not been able to verify this alleged debt, the attorneys office does not state who they are working on behalf of, and Midland company is reporting this information on my credit profile without proper verification. 

This is a VIOLATION and I expect this erroneous information to be DELETED from my Credit profile with your company. 

Please see the letter I received from the attorneys office and the letter that I sent for verification of the debt. 

Please send an updated copy of my credit report after you have made the appropriate changes.
Product: Mortgage

I applied for a loan modification through Carrington Mortgage. I was up to date with my payments at the time I applied. XX/XX/XXXX-XX/XX/2016 while my loan was being reviewed for this modification, Carrington did not post my payments to my account. This concerned me and I called several times to make sure it would not be reported to my credit that I was not making my payments. I was assured this would not happen and that Carrington did not report to the credit bureaus during this time. Of course that wasnt true and it was reported to my credit bureaus I was 30 days behind and my credit score dropped XXXX points. Although I had attempted to be proactive and called several times this still occurred and I was required to write a letter and fax it to Carrington and wait 3-4 weeks for it to be 'researched '. Many phone calls, faxes and weeks later it was removed from my report and I was approved for a 'trial period ' modification. To show I would make the payments although I had never missed payment anyway. 
This trial period required that I make my first payment XX/XX/XXXX and no payment for XX/XX/XXXX because everything had been calculated i was told. Again I was concerned about what would be reported to my credit I was told Carrington doesnt report during this time but a special code is placed on the credit bureau that you are in a modification agreement. Of course that was not true. Because of my past experiences with Carrington I made my first trial period payment XX/XX/XXXX anyway, however Carrington is now reporting that I am 90 days behind and my first delinquency started XX/XX/XXXX. I made my payment XX/XX/XXXX. My credit score has dropped XXXX points. My credit cards are cancelling my credit lines although I have never missed a payment to them either. I was passed over for a promotion at work because of this. I want Carrington to correct this issue and I feel they should have to make some sort of concession to me considering the effect it has had on my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 fraudulent collection accounts on my credit. LJ ROSS AND XXXX. I didnt open these accounts nor did I authorize anyone to open these accounts on my behalf. Please remove these 2 fraudulent accounts from my credit
Product: Debt collection

Disputed twice with XXXX. This debt does not belong to me. XXXX keeps sending debt to various collection agencies.
Product: Credit reporting or other personal consumer reports

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit card or prepaid card

Opened a CareCredit account about 2 years ago to help pay for my dental work. 
In XXXX of 2022 I was charged almost {$1700.00} in finance charges due to the fact the card had a temporary no interest fees that I was not aware of. Tried to get help from the card company, missed 2 payments and they closed my account and submitted 11 late payment incidents to my credit report, my credit score dropped XXXX points and they closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Background check run by checkr XXXX, disputed the report and a new report ran by this company was clean as of XXXX. After 14 months of working Checkr arbitrarily sent information to employer that I had negative information on my report. I was suspended from employment and unable to work. Notified Checkr who pulled account and was able to see the original report and the clean updated report and has still failed to correct their actions, generic emails being sent stating they are investigate my disputes on my negative report. The report is no longer negative so this doesnt apply they have a clean background for over 7 months but will not correct their actions which has cost me income