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

In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXX, FAIR COLLECTIONS, XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Subject : Final Notice Unresolved Dispute of Inaccurate Information on Credit Report under FCRA, TILA, and PAANL Dear Consumer Financial Protection Bureau, This letter serves as a formal complaint against the three major credit reporting agencies Equifax for their failure to resolve an unresolved dispute regarding inaccurate and misleading information that continues to be reported on my credit file. 

Despite my previous efforts to dispute the incorrect reporting of late payments on my credit report, related to my Auto Loan with XXXX XXXX XXXX, Account Number XXXX, the issue remains unresolved. These disputes were filed on XX/XX/XXXX and XX/XX/XXXX, and despite providing clear documentation of the errors, the agencies have failed to correct the inaccuracies. 

This failure to act constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, which mandate that credit reporting agencies and information furnishers ensure maximum accuracy in reports and correct inaccuracies promptly. Additionally, this issue falls under the Truth in Lending Act ( TILA ) and the Protection Against Non-Payment of Obligations Act ( PAANL ), which emphasize the need for accurate and timely reporting by creditors. 

Legal Implications I am invoking 15 U.S. Code 1681n and 15 U.S. Code 1681o, which establish civil liability for willful or negligent noncompliance with the FCRA. As the credit reporting agencies have failed to meet their legal obligations, I am prepared to seek damages and legal costs. 

Relevant Case Law : XXXX XXXX XXXX XXXX XXXX, 115 F.3d 220 ( 3rd Cir. XXXX ) : This case established that credit reporting agencies must conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. Failure to do so may result in liability for damages. 
XXXX v. XXXX XXXX XXXX XXXX, 495 F. Supp. 2d 831 ( N.D. Ill. XXXX ) : This case demonstrated a violation of TILA, emphasizing the creditor 's obligation to provide accurate billing and payment notifications. 
Final Request for Resolution I request that the CFPB intervene and ensure that the three credit reporting agencies correct the following inaccurate late payment entries on my credit report : Date of Late Payment Report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Failure to correct this information within 10 days of receipt of this letter will force me to escalate this matter further. This includes filing additional complaints with the Federal Trade Commission ( FTC ) and my states Attorney General 's Office. Moreover, I will proceed with legal action to recover any damages resulting from the ongoing inaccuracies in my credit report. 

Please confirm in writing that this information has been corrected and that my credit report has been updated to reflect accurate data. I look forward to the CFPB 's prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been asking for written documentation on a XXXX XXXX account that was fraudulently created under my name. I have asked for this information several times not just from your company but also from the creditor. 

You responded by saying that " VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM ''. 

So, I find it funny that you claim to verify the account I disputed listed below when you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). 
All inaccurate XXXX XXXX XXXX XXXX - account # XXXX Date Opened : XX/XX/XXXX. 
High Credit : {$22000.00} Credit Limit : {$23000.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX EXPERIAN account # XXXX Date Opened : XX/XX/XXXX High Credit : {$0.00} Credit Limit : {$23000.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX XXXX account # XXXX Date Opened : XX/XX/XXXX High Credit : {$6500.00} Credit Limit : {$0.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Your company is in violation of 15 U.S.C. 1681. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documentation.

I am requesting validation from you pursuant to the Fair Debt Collection Practices FCRA 611 ( 15 U.S.C. 1681I ) ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). I want this account reinvestigated.
Product: Debt collection

For the last year or so, Resurgent Capital, working on behalf of LVNV Funding LLC, has been trying to collect a debt that doesnt belong to me. They have called many times, and also I have received letters from the law firm of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX threatening me with a court case if I dont pay the amount their client is requesting. 
Here is what I have done so far : Wrote to LVNV asking them to cease and desist calling and threatening me because the debt they are collecting doesnt belong to me. 
Wrote to XXXX, XXXX, XXXX XXXX XXXX also asking to desist threatening me with court action if I dont pay the amount their client is trying to collect. 
In each letter, I explain why the debt doesnt belong to me. 
I didnt receive an answer from either of these individuals, and the calls and threatening letters continue. 
I call customer service at Resurgent Capital and spoke with one of their agents who agreed that the last 4 digits of my social security ( XXXX ) do not coincide with the debtor social security, but that could do nothing about the situation, he suggested that I change my address thus stop receiving the threatening letter, and he promises to remove my telephone number from their list. During the conversation, the implication was that was better for me to pay this amount than to contract a lawyer to defend the case when it goes to court. He may be right, but this cant be legal. 
Again the last four numbers of my social security are XXXX I have never resided at the address they are listing for the debt. I have been residing at my current address since 1997. And before that date, I was a resident of XXXX, NJ I have never had any business with XXXX XXXX. 
My current XXXX score is XXXX ( see attached file ) Please help stop all these individuals from keep bothering me by collecting an amount that I dont owe. 

Thank you for your help. 

XXXX XXXX XXXX
Product: Student loan

My complaint is more of a concern with legality of fees and interest charged on my private loan with Navient ( FKA XXXX XXXX ). In short, in XXXX I took out a private loan for {$7000.00} with XXXX XXXX ( now known as Navient ), the loan went into repayment XXXX XXXX to which the balance was then {$12000.00}, since this point and to date I paid {$140.00} per month ( {$8400.00} so far ), my balance as of today is {$9400.00} which makes my payments toward the principle total {$3800.00} - so I paid {$13000.00} plus, and counting, for a {$7000.00} loan ( XXXX + XXXX = XXXX ). The loan matures in XX/XX/XXXX, so at this rate it appears I 'll be paying well over {$20000.00} in interest for a {$7000.00} loan ; how is this any different then the practices of payday loan and title loan lenders? 

Navient charges me a variable rate, which online it says 10.500 % ; I may as well charged {$7000.00} on a credit card then get a loan that I thought would be better then using a credit card and with better rates. 

Also, this {$140.00} amount I pay is more than the minimal payment, so what they do is push my payments back to the corresponding month for 'over payment ' ( i.e. if I pay {$280.00} in XX/XX/XXXX, my next payment wo n't come due until XX/XX/XXXX ) - today I can make payments in months payments are n't due, they just push next payment due back to corresponding month of over-payment, my concern is that their calculation of interest owed is n't in favor of me, the consumer, paying the loan off early. Also, at one point they did n't allow you to make extra payments ; at least online - that 's how I 've made all my payments.
Product: Credit reporting or other personal consumer reports

XXXX did not report this to all the bureaus correctly. The information from XXXX credit card was completely incorrect. This company did not investigate into my dispute. They only subcontracted it out to a smaller credit company that did not do proper investigation. The reports on my credit report are false statements. 
XXXX did not have any late payments when they did not even charge or try to charge my account. They falsely try to charge an individuals account that they did not have permission to charge and I am not affiliated with at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting me as 120 days late on the XXXX XXXX XXXX XXXX account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the two bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Product: Credit reporting or other personal consumer reports

Payments to account reporting late violates my rights.
Product: Credit card or prepaid card

I have been a loyal customer with Capital One for a total of 7 years now. 

In the past year I tried increasing my credit limit both over the phone and online I have call several times around 30 or 40 times in total in the past year and this year so far explaining to customer service reps and manager that I have perfect on time payment history as well as low utilization on my account and that Capital One has denied my request over and over again saying that the account is not eligible for a credit line increase. 
It has been a year since there has been a credit line increase in the account. 

I want it to be taking into consideration not only that I have been a loyal customer with Capital One but also that I have perfect on time history and low utilization in the account and I wish more than anything as a loyal paying customer to received my credit line increase.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax stated the accounts are accurate, without providing any evidence of a thorough investigation. I told equifax that the XXXXXXXX XXXX XXXXXXXX added collections to my credit but XXXXXXXX XXXX XXXX  is not the place of business I went to.I never received a bill from that company because they did not have my correct address or number although it was up to date with XXXX XXXX were I went to. I was not aware of them or a bill until after they hit my credit report. That means I went to the XXXX XXXX yet XXXX XXXX XXXXXXXX added collections to my credit for fees from there doctor although I was not at their place of business. I did not agree to be charged by XXXXXXXX XXXX XXXX I agreed to be charged by XXXX not a third party or doctor outside of XXXX which also doesnt make sense because XXXX never sent my account to collections to be sold to a third party either. I also informed equifax that the original amount owed was lower than the amount due. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

On XX/XX/XXXX, I contacted MBW after XXXX told me that my debt was sent to XXXX XXXX. I did not get a letter, email or anything in writing from MBW informing me of the debt owed. There was no validation in writing from MBW of the debt. When I contact MBW, Rep XXXX informed me that I owed {$690.00}. I informed him that I was on a fixed income and could not pay the debt owed. Afterwich, he transfered my call to Rep/Agent XXXX. I tried to explain to her that I didn't not owe the debt that XXXX is stating based on information from XXXX. XXXX is the representative for XXXX. XXXX stated that my account was credited for billing, therefore no debt was owed to XXXX. Needless to say, that didn't matter to her as she wasn't very pleasant. She was only interested in setting up the payment arrangements. She said she needed {$30.00} at the time to start the payment plan and keep it from going to the credit bureau. Afterwich an amount of {$110.00} will need to be payment monthly ( starting in XX/XX/XXXX ) for the next five months. Again, I stated that I was on a fixed income and could not afford it but it seems to not really matter to her. So I began the pain staking task of setting up payment arrangement by providing my bank information to MBW to keep my name from going to the credit bureau. She said that I will get a written letter starting in XX/XX/XXXX after each payment is made. I was not given the opportunity to resolve this issue with XXXX before MBW started the collection process.
Product: Debt collection

I have been trying to work with the credit bureaus ( XXXX XXXX, and XXXX ) to remove erroneous credit information ( judgement ) for XXXX IQ Data International from since 2015, for a debt I do not owe. To date, I have been unsuccessful in doing so. After numerous attempts to try to resolve with both the credit bureaus and Collection Agency, I decided to contact the XXXX XXXX XXXX and they too advised me that there have been many complaints about IQ Data International Collection agency for reporting erroneous unsubstantial claims against many individuals without validating claims. I have been harassed and talked to in an unprofessional manner as well as, threatened. Since I have no knowledge of the amount owed, and nothing to show I owe, I am asking that, I receive intervention from CFPB to have this remove from the ( 3 ) credit bureaus. More importantly, hold IQ Data International Collection Agency accountable for their harassment and the mental stress they have caused.
Product: Debt collection

Background Information On XX/XX/XXXX my mortgage was transferred from XXXX XXXX XXXX XXXX to Shellpoint Mortgage Servicing. 
In XX/XX/XXXX the mortgage amount from {$1600.00} was increased without any written explanation to {$1600.00}. 
I called Shellpoint at XXXX and asked for the reasons on the increase. The reasons I was given were the increased property tax by XXXX County and the hazard insurance. 

Complaint no. 1. 
Keeping the increased monthly mortgage amount by Shellpoint without substantiation. 
Although a supplemental property tax increase has occurred, the increase was incorrectly done by the assessor 's office. The Assessor 's of XXXX County cancelled the increase on XX/XX/XXXX and XX/XX/XXXX. 
Shellpoint is refusing to correct the monthly payment from {$1600.00} to {$1600.00} as it was transferred from XXXX to Shellpoint. 

Complaint no. 2 Escrow Impound Account to include Property Tax and Hazard Insurance. 
Shellpoint, previously XXXX, previously XXXX XXXX XXXX, previously XXXX XXXX, previously XXXX XXXX XXXX established an escrow account to collect for property tax and hazard insurance. It is pathetic how many times my mortgage was sold to investors, creating utmost processing confusion for this property owner. 
My hazard insurance is paid through the home owners association monthly fee. There is no need to collect for it. 

The property tax has always been paid for by this property owner. 
Shellpoint contracted with XXXX, a local company to process the property tax payments for my property. This is negatively impacting this property owner for the following reasons : a. ) The Property Tax Bill is mailed to XXXX. The property owner is not receiving it. The property owner has no first hand knowledge regarding the appraised value of the property for the year XX/XX/XXXX-XX/XX/XXXX. 
b. ) The property owner is denied of the XXXX County property tax appeal process. 
c. ) Should the servicing companies like XXXX and Shellpoint declare bankruptcy, this homeowner will loose his/her escrow deposited dollar amount. 

Complaint no. 3 Shellpoint tries to collect an extra monthly mortgage payment by claiming that the XX/XX/XXXX payment was missed by the property owner. I spoke with Shellpoint at XXXX. I provided the check number and date the check was cashed by XXXX XXXX XXXX dba Shellpoint Mtg. Srv. on XX/XX/XXXX. Shellpoint is unable to find the payment. Shellpoint will not correct their files if I do not provide a copy of the cancelled check. 
I believe it is Shellpoint 's responsibility to keep track of the payments. It appears that Shellpoint 's XX/XX/XXXX mail demand letter with penalties and threats to collect extra money is without merit.
Product: Vehicle loan or lease

I am paying more than the minimum each month yet it is not being applied to principal. I had the document withheld and wasnt able to register it in a timely manner. I also received my title sent to me and knew that wasn't right and made sure they received it since they owned the loan. I have been nothing but cooperative. I am suspecting i have been over charged and my interest rate is way too high.
Product: Credit card or prepaid card

In  XXXX    XXXX  , I applied for  FNBO Travelite car d and I was rejected b y FNBO ( First National Bank of Omaha ). And I respect their decision based on whatever criteria  they used. However, in  XXXX    XXXX   I received an exclusive invite from  FNBO to ap ply for the same card with a custom invitation code. I applied and was rejected again. This rejection is not only completely misleading but also adds an unnecessary hard pull to my report making it harder for me to get credit elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX not mine XXXX  XXXX never late XXXX XXXX XXXX {$94.00} not mine XXXX  XXXX not mine XXXX   XXXX not mine CXXXX XXXX XXXX XXXX {$280.00} not mine
Product: Credit card or prepaid card

I received ereceipts regularly from companies " thanking me for my paypal payments '' and the only money accounts I have a either NetSpend or pay pal which are originally funded by the IRS stimulus. I will get these fraud alerts to call them but then when I call theu know nothing cant see it on their end. Netspend and paypal are connected and neither one will do anything about it.They never said they would charge every time the card was used and there is at least one XXXX stimulus, possible 2 or more the IRS money the say got deposited to my account is different than the monthly statements and they wont do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are both unknown and unauthorized, therefore I'm demanding that the major 3 reporting agencies remove and block the following. Or show just cause via physical documentation of why they are reporting such. Please remove 1 ) XXXX XXXX {$1100.00} 2 ) XXXX XXXX   {$61.00} 3 ) XXXX XXXX 4 ) University of XXXX  {$1000.00} 5 ) XXXX XXXX {$2900.00} 6 ) XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX {$1300.00} 8 ) XXXX  {$5500.00} 9 ) XXXX   {$5000.00} 10 ) Dept of ED/ XXXX {$56000.00} 11 ) Dept of ED/ XXXX {$31000.00} 12 ) Dept of ED/ XXXX {$3200.00} 13 ) Dept of ED/ XXXX {$4200.00} 14 XXXX Dept of ED/ XXXX {$1000.00} 15 ) XXXX {$4000.00} 16 ) XXXX {$2600.00} 17 ) XXXX {$11000.00} 18 ) XXXX {$9600.00} 19 ) XXXX XXXX XXXX XXXX {$21000.00} 20 ) XXXX XXXX XXXX XXXX {$2600.00} 21 ) XXXX XXXX XXXX XXXX   {$1400.00} 22 ) XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

USAA refused to do business with me as a result of my misconduct that was not related to USAA banking in any way. There advertising now says that they are open " TO ALL MILITARY MEMBERS WHO HAVE BEEN DISCHARGED WITH AN HONORABLE DISCHARGE '' I meet that criteria for membership however I am still blocked from USSA products. 

USAA must allow me to resume my membership as I fit their stated membership requirements and allow me to use all products that are provided to others. To not would be false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
List of accounts to be deleted. 
US DEPT OF EDXXXX Account number XXXX Date opened Indicates the date an account was opened XX/XX/2011 The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX