23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and noticed that I have a late payment on my report from a account that I paid in full. This is really hurting my credit. Wells Fago Educational Financial Service is stating that i have late payment on my history with them but have no proof that it was late. I had the payments on auto pay and I was never Late one time on my loan. The account was paid in full but its is inaccurately reporting on my credit report. This is causing me major problems in my life as i try to obtain more opportunities to expand my real estate portfolio. Please remove this from report. 

acct # XXXX It is also showing a partial account on my report which i did not authorize.
Product: Debt collection

This is a response to DESIGNED RECEIVABLE SOLUTIONS, that i allegedly owe this debt. I would like to point out that they are in violation of : 15 USC 1692f ( 8 ) A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section, not use any language or SYMBOL on any envelope or in the CONTENTS of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. They are also in violation of : 15 USC 1692b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall NOT state that such consumer owes any debt. You can see the violations from the paperwork I have submitted from DESIGNED RECEIVABLE SOLUTIONS. They are also in violation of 15 USC 1692b ( 5 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made a previous CFPB complaint about two accounts that are reporting with erroneous information and the issues have not been resolved. The information is still reporting on my credit report inaccurately and it has been causing me issues with obtaining credit. 

There are still inaccurate account information for two account on my credit report which are XXXX XXXX and XXXX credit card. 

On XX/XX/XXXX and XX/XX/XXXX I wrote XXXX, XXXX and Transunion to notify them that the XXXX account was reporting inaccurate late payments. They each are also reporting different months for the same late payment. I also contacted XXXX directly on XX/XX/XXXX and they didn't respond to my verification request. After I contacted them the three bureaus continued to report 3 different late payments dates on this account. They also are reporting the incorrect date of last activity on this account. All three bureaus have a different date of last activity. 


On XX/XX/XXXX and XX/XX/XXXX I also wrote XXXX, XXXX and Transunion to notify them of the inaccuracies on the XXXX  account was well. The date of last activity is also reporting inaccurate. I wrote XXXX on XX/XX/XXXX to verify the date on the account and I didnt receive a response. All three bureaus have a different date of last activity. 

If the XXXX, Transunion and XXXX are getting the same information from the same creditor, then the information should be the same across all three bureaus According to the FCRA, I have a write as a consumer to ensure that all of the information that is reporting on my credit report is 100 % accurate. These inaccuracies are violating my rights. 

Nothing was rectified on my credit report by XXXX, XXXX, Transunion, XXXX XXXX or XXXX credit card. 

I have also attached a copy of each of these accounts as they are reporting on my credit report
Product: Mortgage

Certified mailing # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, stating that People 's United Bank, N.A. was loaned the promissory note, and per GAAP has a liability equal to its value, no response. 
XXXX XXXX XXXX XXXX XXXX, XXXX Cease and Desist Notice ( engagement letter ), stating failure to respond to the previous eight ( 8 ) certified mailings was agreement to terms and all further contact would be considered contracting with and engaging the consultation services of XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX, XXXXNotice of dishonor through non performance, non response from notary. XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX XXXX {$100000.00}, due immediately. 
XXXX XXXX XXXX XXXX XXXX, XXXX Notice of Default Notice of Estoppel by inaction. 
XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX -Notice that accounts XXXX, and XXXX have a XXXX dollar balance, Notice of exposures and liabilities to 15 U.S Code 1638 ( 2 ) ( A ) ( i ) ( ii ) ( iii ), B ( ii ) ( iii ) ( iv ), and 15 U.S Code 1692e ( 1 ) ( 2 ) ( A ), ( 9 ). 
XXXX XXXX XXXX XXXX XXXX, XXXX Billing Notice Opportunity to Cure, Notice of exposures and liabilities to 39 U.S Code 3001 ( d ) ( 1 ) ( 2 ) ( A ) Filed with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXiling Number XXXX : XXXX : XX/XX/XXXX XXXX, amended XX/XX/XXXX, am XXXX Total Due {$150000.00}. 
In spite of the above Peoples United Bank, N.A. continues with False and Misleading statements, and inaccurate filings, for more than 3000 days on these two accounts. 
Further, pursuant UCC 3-311, Peoples United Bank , N.A. received tender of payment in full satisfaction of Peoples United Bank, N.A. claims on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX. To date Peoples United Bank, N.A. has exercised ownership rights over the viable commercial paper without settling the accounting or providing notice of dishonor pursuant UCC 3-505.
Product: Debt collection

Credence resource management is on my credit report. I dont owe them.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my consumer report, I have identified violations of my consumer rights. According to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX Definitions : Rules of Construction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the term " consumer report '' does not include reports containing information solely about transactions or experiences between the consumer and the person making the report. Late payments qualify as transactions, and utilization reflects an experience generated by credit usage. 

TransUnion, XXXX, XXXX has reported late payments on multiple accounts ( XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXX, XXXX FEDERAL ACCOUNT # XXXX, and/or utilization, both of which are based on credit usage. Under XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a consumer reporting agency may only furnish a consumer report under specific circumstances, and only with the consumer 's consent. I have not provided TransUnion with written consent to report such information, including late payments or utilization details. 

Additionally, according to XXXX XXXX. XXXX 602, the Congressional findings and statement of purpose emphasize the need for consumer reporting agencies to fulfill their responsibilities with fairness, impartiality, and respect for the consumer 's privacy rights. The law also stresses that the accuracy of credit reporting is essential to the functioning of the banking system. Inaccurate reporting damages the efficiency of the banking system and undermines public confidence in credit reporting, which is vital for its continued operation. 

The reporting of these late payments and utilization is both inaccurate and a violation of my privacy. TransUnion has infringed upon my consumer rights by allowing this erroneous information to appear on my consumer report.
Product: Checking or savings account

My account was set up on an auto transfer, which I attempted to cancel using the online app. On the U.S. Bank app, it does not provide an option to cancel an automatic transfer. The transfer was pushed through where my account balance was low and overdrafted, my checking account thats causing me to have a {$36.00} overdraft fee I requested to have the auto transfer cancelled XXXX {$36.00} overdraft fee refunded due to bank air and they declined my request. 

I also spoke to a manager at U.S. Bank, who was rude and unhelpful and the situation.
Product: Student loan

Upon my filing for Chapter XXXX bankruptcy, I was informed that the XXXX students loans that I co-signed for my daughter XXXX XXXX XXXX were taken out of deferment, closed then transferred to a collection acct. XXXX is and has been, since original loan was taken out, at least a Part-time student and currently has federal loans that are in deferment and good standing, is currently a XXXX with full deferment qualifications, with no lapses. 
These loans were taken out in XX/XX/XXXX and XX/XX/XXXX and should have reached there Statute of Limitation for reporting. We feel the transfer was performed as to re-start the Statute of Limitation time line. We, Myself and XXXX, have on numerous occasion to try and negotiate with them, stating that we do n't understand why they were taken out of deferment at all. Our Credit has been tainted since this began and has caused, on numerous occasions, denial of credit/home loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect credit score reporting, unable to obtain credit report online.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, the information is incorrect. The procedure has been covered 100 % by the insurance company. 

Company CAPITAL ACCOUNTS LLC Account XXXX ( information from XXXX ) Amount {$81.00} Capital Accounts , LLC XXXX. XXXX XXXX XXXX, TN XXXX Phone Number : XXXX Website : http : //www.usecapital.com/
Product: Debt collection

AARGON AGENCY is reporting a collection on my credit report that I do not owe to them. I have tried to contact them via phone and ask that they provide me with information regarding this alleged debt that I supposedly owe them. Yet, I have not had any dealings with this company or signed any contract with them. I have not received ANY information from AARGON AGENCY because they will not provide it to me. I am not liable for what they claim that I supposedly owe.
Product: Debt collection

Midland Credit Management XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Debt Validation Request for Multiple Accounts Dear Midland Credit Management, I recently reviewed my credit report and noticed several debts that your agency is reporting. These debts are listed under the following original creditors : XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX A FIRST ELECTRONIC BANK THE BANK XXXX XXXX XXXXXXXX I am writing to request validation of each of these debts, as required by the Fair Debt Collection Practices Act ( FDCPA ). Unfortunately, I do not have the account numbers for these debts beyond what was listed on my credit report. 
To ensure that each debt is fully validated, please provide the following information for each account : XXXX of the XXXX : The name and address of the original creditor, the original account number, and the amount of the debt that is being claimed. 
Proof of Legal Right : Documentation that shows you have the legal right to collect each debt, including any contracts, agreements, or statements that pertain to the debts. 
Assignment Contracts : Copies of the contracts that clearly show the assignment of these debts from the original creditors to your agency. These contracts should detail the terms under which the debts were assigned and transferred to your company. 
Account Histories : A detailed accounting of all fees, charges, interest, and payments made on each account from the inception to the current balance. 
Proof of Last Payment : Copies of the last payment made on each account, including the date and amount. 
XXXX of Limitations : Documentation showing whether the statute of limitations for collecting these debts has expired. 
Please be advised that I am also notifying the Consumer Financial Protection Bureau ( CFPB ) of this matter. I expect that all collection efforts will cease until this information is provided. Failure to validate these debts will result in the matter being considered closed. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair and delete these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Curaao account. I have no knowledge about this account and never heard of them. It has tremendously affected my, credit file with now a closed acct statement. The website appear to be a vacation /travel agency acct. I have 18 potentially negative months being reported. Balance {$570.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to file a complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. The following items should have been removed from my Credit File : 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 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 U S DEPT OF EDXXXX 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 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 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  I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent items are removed from my credit report and that my credit score is restored to its previous level.
Product: Mortgage

My mortgage with SPS Servicing ( Loan # XXXX ) was fully paid off on XX/XX/year>. According to their online portal, my escrow balance of {$19000.00} was cleared shortly afterward and I received a notice in XXXX stating that the refund had been processed. 

However, as of XX/XX/year>, I have not received the refund check. I contacted customer service on XX/XX/XXXX and again on XX/XX/XXXX. I was initially told a ticket would be created to reissue the check, but later learned that no check had been reissued, and no confirmation could be given as to whether a check was ever sent at all. The agents could not provide any clear updates, tracking information, or mailing details. 

This delay has now extended well beyond the reasonable timeframe ( 30 days ), and I believe SPS is failing in its obligation to return escrow funds in a timely and transparent manner. 

I am requesting immediate reissuance of the refund check and interest compensation for the extended delay. I also request that CFPB investigates SPS Servicings escrow refund process, as it appears to be inconsistent and unaccountable.
Product: Mortgage

XXXX XXXX XXXX transferred my loan to Shellpoint Mortgage Servicing on XX/XX/XXXX. Shellpoint added a fee {$1100.00}. They will not discuss my loan with me as I was in bankruptcy. They are refusing to send me any document or monthly mortgage statements for the time they serviced my loan. I sent them a certified letter on XX/XX/XXXX. No response. Shellpoint needs to remove the fees. On XX/XX/XXXX Shellpoint transferred my loan back to XXXX XXXX XXXX with these fees which I did not know exist because Shellpoint refused to send me any documents. XXXX  XXXX XXXX said the loan came in with fees and that I needed to speak to Shellpoint. Also, I did not get " Pay for Performance '' from Shellpoint per my loan modification on XX/XX/XXXX documents.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies and unauthorized items reflected on my credit report. These items violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable credit laws, which ensure the accuracy, privacy, and security of consumer credit information. Additionally, I believe these errors may be connected to recent data breaches that compromised my personal and financial information, resulting in unfair credit exposure.

Disputed Items : 1. Negative Items : The following negative entries are incorrect please REMOVE THESE ITEMS FROM MY CREDIT PROFILE XXXX Elan CACS CC 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 XXXXXXXX Grounds for Dispute : Under Section 605 of the FCRA, credit reporting agencies are obligated to : Ensure all information reported is accurate and verifiable.

Remove or correct outdated or unverifiable information ( older than seven years, except for certain bankruptcies ). 
Protect consumer credit files from unauthorized access. 
I believe these inaccuracies are a direct result of the credit breach that exposed my sensitive information. I have taken steps to secure my identity, including filing reports with law enforcement and placing a fraud alert on my credit file. I have also enclosed the following documentation to support my request : Legal Compliance : As part of your investigation, I request written confirmation of your findings and any actions taken. I expect these disputes to be resolved within the 30-day period stipulated by the FCRA. Please be aware that failure to comply with these requirements may result in additional complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or legal action.

Detailed Investigation Report : Provide a detailed explanation of the outcome for each disputed item, including any supporting documentation used to verify the items. 
Thank you for your prompt attention to this matter. Please confirm receipt of this dispute by [ insert preferred communication method : email/phone/mail ]. Should you require additional information, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 
I look forward to a timely resolution of these issues. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality un

der 15 USC 1681. 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 seven 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXen years.

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.