23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My account with AES Success had zero behind payments and I had just sent in extra money above what I owed in XXXX and the money was taken from my bank. Nearly {$1900.00}. I only owe {$360.00} a month. And I overpaid on purpose to try and finally get closer to paying my loan off. On XX/XX/XXXX my monthly direct deposit for the normal {$360.00} was also cashed and collected. On XX/XX/XXXX, they sent my account to collections!!!!!! AES confirmed for me on the phone that my account was placed into collections for defaulting on payments and as a result they closed the account, and reported it to the credit bureaus. They also confirmed they see the payments were successful and I didnt have any past due amounts owed. I was promised a print out of my entire account payment history along with my current balance after demanding it multiple times even though they kept trying to talk me out of requesting it and she kept saying her computer was slow that day and unless I had all day to stay on the phone with her I probably should just let it go. Let it go?!?!?! I was finally assured itd get a copy in the mail within 7-10 business days. Today is XX/XX/XXXX and I have yet to receive that. They said they cant tell me who owns my loan now. We have no idea who ends up getting your loan. So, we just cant give you that information. So then WHY- just yesterday- on XX/XX/XXXX, did AES take my $ XXXX  monthly direct deposit out of my account!! If my account is in collections- with an unknown lender - and my account with AES is closed - than HOW are they still taking my money!!! How can I contact the new lender if I am being refused to know the name and contact number of- them. And how, if I cant change or stop payments or even see if it was applied to a balance I have no access to view, am I supposed to fix this?! I told them on XX/XX/XXXX they made a mistake. They told me I could consider disputing it but we cant guarantee if or when that would be handled. I disputed it with them IMMEDIATELY- while still on the phone. They admitted to me they can see my payment history and that I didnt have any past due payments on my account I owed to warrant sending this to a debt collector. I got a letter in the mail telling me my dispute is denied but I can send them PROOF of me not owing money past due. How am I supposed to do that when they have shut off access to my account and refuse to send me my payment history in writing!!!!!!!!!! This has to be illegal?!!! You people should be sick with grief over the REAL DAMAGE you are causing people!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute XX/XX/XXXX 30 day demand XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive submitted this paid account and paid it in full, as the consumer it should reflect my positive payment history. The account was disputed in error and should reflect a peptide payment history. Please see attachment
Product: Debt collection

This collection company disclosed the lawsuit to ALL my neighbors and exposed by daughter to XXXX during a house quarantine ( pic available that is dated and time stamped ). 

The lawsuit was left in a clear, gallon baggie hanging on my front door knob. You can see all the information contained on the notice ( case number/defendant and agency/attorney taking me to court ). I live in apartments and my youngest daughter was the one who found the notice while delivering groceries due to our quarantine. 

The FDCPA states : If a person is identified by name only, then they must be treated as a " third party. 

Indication that the public notice is regarding a debt to a third party would be considered disclosure and is not allowed. 
If the third party '' independently indicates that they have a debt, dispute the debt, talks about debt or client, etc we must still treat the communication as a " third party '' communication until one additional piece of non-public information ( NPI ) is verified XXXX XXXX, XXXX has disclosed my information. The next complaints will go towards the original client ( bank ) and original creditor ( card issuer ) who sold this debt to such an abusive company and has exposed my family to harm in the means in which they took to sue me during this pandemic. The news outlets may be next. While going through this law suit, two of my XXXX kids have had XXXX  ( can be proved ). I also have a pic of the 2nd instance of disclosure. 

I have yet to ever be served in any other fashion, by this collection company, during the law suit. This should match the serving partys records but I do have a picture available of the notice. 




XXXX XXXX Site Training Manager XXXX XXXX XXXX XXXX Toll free : XXXX x XXXX Direct : ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX For a debt-free world. 

This e-mail may contain confidential and/or privileged information. If you are not the intended recipient or have received this e-mail in error, please notify the sender immediately and destroy this e-mail. Any unauthorized copying, disclosure or distribution of the material in this e-mail is strictly forbidden.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Checking or savings account

I went to a party/get together with my friends on the first week of XX/XX/2024in XXXX MA . My wallet was stolen and my business debit card, personal credit card, social security number, a posted card with personal notes were in the wallet. I did drinks and was a little buzzed. I am not sure who took my wallet and who went through my phone. I do not have a passcode on my phone and on my notes app I have all the login information to all bank accounts, medical accounts, etc. I filled a claim with Citizens Bank ( business debit card ) because {$16000.00} were spent. I gave them as much information I could remember and they still are denying my claim. Looking at my bank account I was that {$15000.00} were moved from the savings account to checking ( I did not make that move ) I did stress it enough with the claims departments. Even a Citizens representative stated that the online banking was compromised!! Secondly, the person that was using my card took thousands of dollars out the ATM ( which there is cameras on every ATM ) I also told the claim department to review the cameras. They response was that even if they review the cameras the decision stand, and the claim will remain denied. I tried every revenue I could with them and I am still getting denied. The person using the cards went to stores I never shopped. Over {$16000.00} were taken from me and Citizens Bank DOES NOT care to review the cameras over even take it into consideration that their OWN employee stated that my online banking was compromised! 
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Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. This complaint pertains to a creditor identified as JPMCB Card Services within my credit report. 

On Thursday, XX/XX/2024, XXXX separate debt validation requests were submitted to JPMCB via US Mail and dispatched to the following addresses as they appear on my credit report and elsewhere : JPMCB Card Services, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, DE XXXX and JPMCB Card Services, XXXX XXXX XXXX, XXXX, DE XXXX and JPMorgan Chase, XXXX XXXX XXXX, XXXX, DE XXXX. 

Duplicate copies of the above-referenced debt validation requests were also dispatched XXXX ( XXXX ) days thereafter, on Thursday, XX/XX/2024. These documents were also mailed to the following addresses : JPMCB Card Services, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, DE XXXX and JPMCB Card Services, XXXX XXXX XXXX, XXXX, DE XXXX and JPMorgan Chase, XXXX XXXX XXXX, XXXX, DE XXXX. 

On Friday, XX/XX/2024, XXXX separate debt validation requests were again submitted to JPMCB via US Mail and dispatched to the following addresses as they appear on my credit report and elsewhere : JPMCB Card Services, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, DE XXXX and JPMCB Card Services, XXXX XXXX XXXX, XXXX, DE XXXX and JPMorgan Chase, XXXX XXXX XXXX, XXXX, DE XXXX. 

Duplicate copies of the above-referenced debt validation requests were also dispatched XXXX ( XXXX ) days thereafter, on Monday, XX/XX/2024. These documents were also mailed to the following addresses : JPMCB Card Services, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, DE XXXX and JPMCB Card Services, XXXX XXXX XXXX, XXXX, DE XXXX and JPMorgan Chase, XXXX XXXX XXXX, XXXX, DE XXXX. 

Unfortunately, I have not received any response from JPMCB Card Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in disputes in the past about fraudulent bank accounts being opened in my name as fraud and Identity theft. Please update my information to reflect accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items deleted in my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a dispute to XXXX  regarding Credit Acceptance. I  called Credit Acceptance first to work out reporting. They state my account has been closed since XX/XX/XXXX. ( verified verbally as well as the XXXX  tracking on the check sent to them ) Yet, they reported to all bureaus that it was open. They received a check for {$22000.00} which is in excess of the XXXX payoff amount due. Proof attached, verbally stated it is good through XX/XX/XXXX the date the check was received.Then they stated to all bureaus that my debt amount owed to them was XXXX ( the amount of the check ) which caused a 34 pt.  decrease in my credit score. Proof attached. 

This is troublesome for several reasons - unfair, incorrect reporting. Credit damage. Reporting an account as NOT closed yet agreeing over the phone it is. Appearing to intend to keep the refund owed due to cancellation of the warranty. Contract states it is owed to me ( Illinois provision ).
Product: Credit reporting, credit repair services, or other personal consumer reports

These is a XXXX bill located on the experian profile under XXXX XXXX in which it has stopped me from obtaining future business credit for the company.
Product: Credit reporting or other personal consumer reports

I have written to Experian for the last 2 months asking them to validate my disputes with my sign. All I'm getting back is account has been validated. That doesn't not show proof I did it.
Product: Mortgage

1 ) I have tried a number of times to get late fees removed from my mortgage with Peoples United Bank so that I can refinance with another Bank-The bank refuses to provide the information.

2 ) The bank stated that the proceeds of the sale of a subdivided lot were unencumbered-They lied 3 ) The bank forced me to provide the contract of sale ( For the release of a lot ) I owned after a subdivision that I had with a buyer just so they could take all of the proceeds- I borrowed from a family member to stay afloat and had a note that used the lot as collateral. To make matters worse, my relative is palliative and I wanted to pay him back before he died at a minimum.

4 ) Peoples 's United Bank tried unsuccessfully to foreclose on my while I was trying to create value for the subdivision. I have paid over 300k back in principle-Far more than required yet they still hold me hostage with late fees, report my mortgage payments as late which they are not and delay reporting my payments as well
Product: Credit reporting or other personal consumer reports

An accordance with the fair credit reporting act the this account below Has violated my federally protected consumer rights to privacy and confidentially under under USC 1681 section 602 a. Account name XXXX XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 section 602 a States I have the rights to privacy 15 USC section 609 a section 2 Also states a consumer reporting agency can not furnish a account With out my written instruction. 15 USC 168c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other then records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( a ) ( 1 ) a A person shall not furnish any information relating to consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus ( XXXX, EXPERIAN, and XXXX XXXX ) are reporting incorrect information in regards to my Child Support Account. It registers that I 've paid 100 % of the balance but my report remains effected by late payments. Please help me to get this resolved. 

You 've paid off 100 % of the original amount. 
Balance {$1500.00} Highest Balance $ XXXX Monthly payment {$300.00} Opened Unknown Term months Payment History Youve made 95 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status 120+ Days Late Worst Payment Status No Info Account Details Account status Open Type Child Support Responsibility Individual Remarks 150 Days past due Times 30/60/90 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

I've told Experian to stop sending emails about credit card offers and they won't stop.
Product: Credit reporting or other personal consumer reports

I am part of the security breach. Their are several accounts that is being reported as late : XXXX XXXX  mortgage # XXXX opened XX/XX/XXXX. Was never late showing 5 late payments since XXXX XXXX XXXXXXXX. ( I was in a payment deferment ) XXXXXXXX XXXX XXXXXXXX. I was never late in XXXX nor XX/XX/XXXX. I was in a payment deferment. 

XXXX XXXX Acct # XXXX opened XX/XX/XXXX. The acct is not mines. I am a victim of identity thief. Also XXXX XXXX XXXX XXXXXXXX. I am a victim of identity theif
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have a right to privacy, 15 U.S.C. 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove the fraud alerts from each bureau but have been successful in reaching. The fraud alerts need to be removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Product: Checking or savings account

I was scammed on XX/XX/2021 from an unavailable caller telling me my XXXX Account had been hacked for {$990.00}. They took me through a series of steps to protect my account, also having me download the " XXXX '' app on my phone. I spoke to 3 different people. The first person said he had to transfer me to his supervisor, he had me request money through my XXXX and when that didn't work, he transferred me to his XXXX who had me request money and when that didn't work, he had me send {$990.00} from my checking account ( which is now closed ). I was then transferred to the 4th person who told me that he was the hacker and I had been hacked. I immediately called XXXX who said they did not make the call and then I called Bank of America. I spoke to 2 people at Bank of America that Saturday and then I believe 2 or 3 people on Monday XX/XX/2021. I also filed a police report. Last week I received a letter from BOA telling me that my claim had been denied and I have lost {$990.00}
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.
Product: Debt collection

Midland Funding has been on my file since 2013. I asked several times to show proof of the debt and the company keeps sending me a bill. The problem is Midland Credit debt has been removed off my credit twice, which last week it was removed again now they have placed it back on my credit. The origin creditor which is XXXX is also reporting at the same time for the same debt.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX, XXXX, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, 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. 

I Told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 
15 U.S.C 1681 section 602A. States I have the right to privacy. 
15 U.S.C. 1681 Section 604A 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 year 's. 
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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Mortgage

Have been trying to modify for the last three years. Every time I try documents go missing and things are delayed. I 've been turned down a few times but am told that I may apply again for a different program. I 've been told that my principle would be dropped and many other things that were lies. When I was finally approved the conditions were outrageous. I just want a fare modification so I can get back on track. This company has been XXXX me around for years and I am suspicious of their accounting as well as far as my account goes.