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

re : XXXX XXXX late payment XX/XX/year> Account number XXXX I have sent two previous letters to you, certified mail asking you to remove inaccurate information from my file. Because of my request, you all have failed to provide me a copy of any ORIGINAL documentation ( a consumer contract with MY signature ON THE CONTRACT ) which is REQUIRED under Section 609 ( a ) ( 1 ) ( A ). 


According to the FCRA, your failure to reinvestigate is an intentional and negligent FCRA violation. 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to properly investigate this account, Not only that, but you have also failed to provide, per my request, the method of verification as required under Section 611 ( a ) ( 7 ) and under 15usc1666 ( a ) proof I received each periodic statement required by section 1637 ( b ) of this title was mailed or delivered to me no later than 21 days before the payment due date. I am due {$1000.00} per violation : 15 U.S. Code 1666 ( a ) Time to make payments Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681b Permissible purpose of consumer reports IN GENERAL-Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Product: Debt collection

In XXXX, I was a tenant at XXXX XXXX XXXX XXXX in XXXX, MI. My lease agreement stated that my monthly rent was {$790.00}, plus a flat utility fee of {$47.00}, for a total of {$840.00} per month. I paid this amount in full and on time every month during my lease, as evidenced by my bank statements. 
Upon lease renewal, the apartment complex attempted to increase my base rent to {$1000.00}, resulting in a new total of {$1100.00}. This amount was mistakenly listed under " prorated rent '' on the lease, which was an error they acknowledged. Despite the mistake, I paid {$1100.00} for the first month, and the overpayment of {$270.00} was credited to my account the following month, confirming that their system recognized the correct rent amount of {$840.00}. 
After I moved out in XXXXXXXX XXXX XXXXXXXX, the apartment complex erroneously reported missed payments for several months to a debt collection agency, ProCollect , Inc . I have since provided the apartment complex and the debt collector with my lease agreement and bank statements, which prove I met all payment obligations. However, the apartment complex has refused to correct its error, and the debt collector continues to pursue this invalid debt.

This inaccurate information was reported to the credit bureaus, negatively impacting my credit score. I formally disputed the reports with all three credit bureaus ( XXXX, XXXX, and XXXX ) and provided the same evidence. Despite this, the credit bureaus upheld the inaccurate reports, claiming the information was valid.

I request that this matter be fully investigated and that the incorrect information be removed from my credit report. Additionally, I ask that XXXX XXXX XXXX and ProCollect, Inc. take responsibility for their reporting error and notify the credit bureaus to correct the records.

I provided proof below of payment per the lease in the form of bank statements and the lease agreement. I also provided the credit reports to show that my credit was fraudulently damaged by ProCollect and XXXX XXXX XXXX.
Product: Debt collection

years ago I foolishly took out a small online loan with XXXX. I repaid in full butt they insisted I owed them more money. I filed bankruptcy and was discharged in XX/XX/XXXXso this should be a none-issue. AMS debt collectors has threatened me by phone three times  today.
Product: Student loan

My student loan was given to be my XXXX XXXX. They already closed down their college. I XXXX 2010 and still ca n't find a job with the profession I chose. I was told by XXXX that they would help me find a job but that was never the case. They gave me the run around. On top of that they lied about how much I would be making. I ca n't afford to make school loan payments and my interest keeps going up, I have n't seen a change on my loan ... .there has been no decrease only increase on it. I have submitted proof that I am experiencing economic hardship but I still ca n't get the help I need. I enrolled at school once again so I can get a good career since this is n't working out, and because I 'm not a XXXX they are expecting me to pay my student loans. I ca n't pay my student loans because I do n't make enough money and have to work full time ... which is why I ca n't go to school full time. It 's impossible.
Product: Payday loan

i applied for a small business loan they deposited stolen checks into my personal account. Thus causing my checking account to overdraft. Both checks came from different institutes and were invalid.
Product: Mortgage

XXXX XXXX at Trustmark Bank XXXX XXXX Alabama pulled my credit 3 times for a loan to check my score which she said was a XXXX, and again she pulled it afterwards, and my credit score has dropped XXXX points since then. How I know is I have my credit score on alert from another company who sends me emails letting me know when it's pulled more than once.
Product: Debt collection

She said I 'm under final legal review and will give you a state mandated notice of intent. Should you wish to face your accuser and have a right to give your personal input. The lady that called said her name was XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and did not give XXXX written permission to furnish these accounts. 

XXXX XXXX XXXX account # XXXX {$630.00} Account ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. )
Product: Checking or savings account

Bank of America absolutely lied. They used XXXX XXXX to allegedly resolve this issue. 
a man by the name of XXXX XXXX reached out to me. 
I have responded to him and left voicemails and he never called me back. 
Bank of America responded with the lies claiming that they could not get in contact with me. 
I will attach emails from me and XXXX XXXX proving that they did get in contact with me and we had communication. 

Bank of America never addressed the fact that they continue to report to early warning that the status of my account is UNPAID, despite them reporting to check system that the status is settled. 

that is illegal and they are breaking the law under the Fair Credit Reporting Act. Bank of America 's response to my complaints included attachments showing that they couldn't process the transaction, which would prove that my account could not be UNPAID. 
I will also include these documents that Bank of America submitted in response to my email to cfpb complaint.
Product: Student loan

For years I struggled managing my debt. In XXXX I was contacted by Navient. They helped me process a payment schedule based on my income. The result was a XXXX  montly payment for two years, while the interest accrued. Then in XXXX XXXX, Navient offered me an XXXX of XXXX on XXXX worth of consolidated loans. I do n't see how I will ever pay this debt off.
Product: Debt collection

XXXX XXXX, sold the debt to another company without notifying them that they had filed a claim with the trustee of my bankruptcy. I have filed a previous complaint with CFPB regarding XXXX in a similar matter. I continue to get collection companies contacting me regarding this debt which was included in my bankruptcy. I keep giving the information regarding this debt, but I continue to get emails with threats and calls to family members, work and on my cell regarding this debt. The current collection company Lela Mae Portfolio Management Group XXXX XXXX XXXX XXXX, Ny. XXXX, has continued with the harassment after being told of the bankruptcy and that they should contact my attorney. They were given my attorneys information, but continue to pursue a claim for a debt that has been met with the original credit grantor.
Product: Mortgage

Initially I called and requested SPS apply my first payment to my account, as their records indicate I am past due. I mailed my first payment to XXXX before XX/XX/XXXX, which is what I was instructed to do ( per the enclosed letter from crosscountry notifying me of the transfer of the note. Please see the enclosed documents ). Please note I opened two accounts with Crosscountry, however this check is most assuredly for the XXXX the XXXX fairway, because the amount is the proper amount for the monthly payment on that property, and I references account number XXXX in the memo. Account XXXX was the XXXX account number for this loan. I have sent SPS multiple copies of the check that the original Servicer cashed, however SPS refuses to rectify the issue with Crosscountry, and are currently charging me late fees. SPS Claims the following : At the time the account was service transferred to SPS on XX/XX/XXXX, the account showed due for the XX/XX/XXXX, due date. The unpaid principal balance ( UPB ) was {$280000.00}. Please note a payment was not applied to reduce the UPB at origination or before the service transfer to SPS. In our review, you called the prior servicer and requested information on the payment. They returned the money to you directly via mail on XX/XX/XXXX. As the prior servicer did not forward funds to SPS, late fees assessed in the months of XX/XX/XXXX through XX/XX/XXXX totaling {$290.00} are valid. However every assertion therein is a lie. Firstly, I do not have a refund from XXXX. Secondly, I was never properly notified of the change. The letter ( attached ) provided by SPS advising me of the change is dated XX/XX/XXXX, which is AFTER I received the letter from Crosscountry that SPS has refused to acknowledge, and AFTER the first payment on this loan was made. Furthermore, the assessment of late fees is further improper and fraudulent, because even if I received a refund as SPS claimed, then that happened after the late fees were assessed and I still would not have been able to forward the payment before the assessment of late fees. It is curious that SPS is able to determine that I got a refund, however they are not able to properly rectify the issue with XXXX. This is not appropriate. SPS purchased the loan, and the first payment was misapplied by XXXX. SPS needs to get the payment from XXXX, and reverse any late fees and additional interest they charged me because of XXXX error.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX To : The Office of Registered Agent for XXXX XXXX XXXX, XXXX From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that give you rights to collect in my state. 


You will forthwith return and transmit your written evidences of your delegated authority to represent that you and Capital One Bank USA N.A. is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on the accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to all 3 major consumer reporting agencies. 

XXXX XXXX Transunion The accounts and inquiries in question are below. 

XXXX specifically has admitted to giving out incorrect credit scores to lenders. This has affected my credit worthiness with lenders for mortgage and auto loans. I demand for the accounts below to be removed expeditiously because of this error. 

XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX law states that information furnished on my consumer report has to be 100 % accurate. The account information for the accounts above across all 3 consumer reporting agencies are not 100 % accurate. 

Under the laws stated below, I demand to have the late payments/charge offs on these accounts removed from my consumer report. 

15 U.S.C 1681b ( a ) ( 2 ) - states that a consumer reporting agency may not furnish a consumer report without written instructions from the consumer 15 U.S.C 1681a ( 2 ) ( a ) ( i ) - EXCLUSIONS - states that a consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1681a Section 602 ( a ) ( 4 ) - states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Also, below is a list of inquiries along with the consumer reporting agency reporting them that need to be removed from my consumer report as they are not attached to any account on my consumer report and I have no recollection of these inquiries. I demand that these be removed as well. 


XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX TransUnion
Product: Debt collection

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  Balance details 0 % of this account is paid off Balance on XX/XX/2022 {$210.00} Original balance {$210.00} Account info Account number XXXX Date opened XX/XX/2022 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/2022 Payment summary 2022 XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX-
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX, and.I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax several times and explained to them that there is fraud on my account. There are several inquiries that do not belong to me. They will not allow me to dispute incorrect information despite the FCRA stating unverified information and unauthorized items must be moved from my report. Someone has tried to get credit in my name as I have the same company with hard inquiries multiple times on my report. I am requesting removal.
Product: Credit card

Purchased an ebook from a website XXXX. It has a 30 day money back guarantee if we send in an email stating why we wanted the refund. I did send in an email stating why I was unsatisfied within the time frame and the website owner denied us our refund. XXXX XXXX at XXXX claimed that we had to do additional steps that I was not aware of. I was not aware of these additional steps because you can only see them AFTER they have your money. I then went through my mastercard citi bank card and filed a claim. The credit card company did not investigate my information that I sent in. They used the sellers information that was after I had purchased the product. Please advise how I can get my money back as Citi Bank MasterCard did not do a thorough investigation.
Product: Student loan

Dear CFPB, Please assist in any way you can. 

I have loans from law school with FedLoan Servicing. 

I am a former member of XXXX XXXX XXXX XXXX XXXX. Having served in this XXXX program for two years, I received the XXXX XXXX Education Award. 

I make my loan payments with this education award through an online XXXX portal. FedLoan servicing consistently applies my payments late. I fear that the late payments will damage my credit score, appear negatively on my credit report, and that some of the payments will be ineligible for Public Service Loan Forgiveness. I currently work in legal services for a nonprofit, and all my payments should be PSLF eligible. 

When I make a payment through the online XXXX portal, it lists my payment as " Pending Institution Action. '' It lists the payment in this status for weeks at a time, such that my payment to FedLoan ends up being late and not PSLF eligible. For example, FedLoan currently lists my payment due XX/XX/XXXX as late even though I created a payment request on XX/XX/XXXX. This payment has still not been applied to my balance. Today, I created a payment request for my payment due XX/XX/XXXX, and I fear that that payment will also be applied late. 

This is an ongoing issue. When I look at my ledger of payments submitted through the XXXX portal, many payments over the last 3 years are not accepted by FedLoan until close to a month after I submit the payment. 

I spoke with FedLoan about this roughly two months ago. They told me their system for dealing with this issue is admittedly imperfect because they only send requests to XXXX for the payments once every few weeks. This causes many payments to be late. I told them this is very unfair. I told them I had submitted complaints and inquiries about this issue before via FedLoan 's " Email Us '' tool on their website. When I asked for copies of all correspondence I submitted, they told me I would have to subpoena them to get it. 

Thank you for any assistance.