23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

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. JEFFERSON CAPITAL SYSTEMS, has violated my rights. 15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 usc 1692b ( 4 ) not communicate by post card 15 usc 1692b ( 2 ) not state that such consumer owes anydebt ; 15 usc 1692b ( 5 ) 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 ; This was already resolved from XXXX and deleted off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote a letter to all three bureaus, asking them to investigate mistakes on my credit report. To date, only XXXX XXXX has responded. I still haven't received anything from XXXX or Experian, despite writing 2 follow-up letters.
Product: Mortgage

I applied for a HARP refinance loan on XX/XX/XXXX at Wells Fargo. All required documentation ( XXXX signed taxes with XXXX, pay stubs, insurance declaration pages for all homes, credit report with a written explanation of addresses and inquiries ) was provided that day to the bank except for the insurance declaration page for my primary residence which was provided the following morning at XXXX XXXX XXXX. The loan processor has systematically mishandled the loan process from repeatedly requesting documentation that was provided the first day because she had the application pages out of order ; confusing my file with another file regarding a business operation and investors instead of a single family residence with an accessory unit ; requesting signed full year leases from all rental properties to prove rental income ( NOT a HARP requirement ), and other lengthy errors which can be provided from texts and emails if needed. It is now almost three months later the application loan rate has expired and the bank continues to be unresponsive in helping to resolve this issue. Wells Fargo attempting to placate me with explanation of overworked departments and vacation times and that the file has been bumped up to the escalation team but to date no contact or resolution has been forth coming. They plan to have me continue paying a higher interest rate. They have no interest in providing the HARP loan services mandated by the federal government.
Product: Credit reporting, credit repair services, or other personal consumer reports

one XXXX  fraud account was opened under my name, this accounts was placed back on experian credit reporting agency, this is not correct reporting, this is fraud opened without my knowledge, i have disputed and was removed from all three bureaus, but experian is not cooperating and placed back again under my name, my whole life has been changed because of this, all my credit cards have been closed due to this inaccuracy they think this is mine and have screwed my life. 
please help, as a consumer i need your help to defend myself against these bureaus, i will be attaching my police report, please have this under you consideration appreciate
Product: Student loan

My loan is with Fedloan. My first issue with them was when my monthly payment increased after 11 months, instead of 12 months. I called several times and spoke with customer service representatives. Finally, an alert representative realized the problem and I was given an administrative forbearance.
My current issue is that my new monthly IDR recalculation was approved to start XXXX/XXXX/17 for {$270.00} and I retired XXXX/XXXX/17. I called Fedloan to ask the procedure to obtain a new payment amount, since my monthly income significantly decreased from {$4100.00} to {$2800.00}.
I was instructed to complete another IDR and check the box for it to be completed immediately. On XXXX XXXX, 2017, I uploaded the completed form and income verification on the web site. The next day I called to make sure the documentation that was uploaded was sufficient. The representative checked the information and assured me that it was sufficient.
I called several times from XXXX XXXX, 2017 to XXXX XXXX, 2017, regarding the status of the request. I was told by representatives that the response time could be from 2 weeks to 1 month.
On XXXX XXXX 2017, I received a letter stating the request was denied for the following reason : unable to determine your current income because document you provided doesnt clearly indicate the frequency of your pay. I immediately called Fedloan to have the representative retrieve the documentation and let me know exactly what needed to be in the verification letter.
The representative pulled up information and stated that the letter clearly states in the first sentence that I am paid monthly. He notated the account and sent the documentation back to be reviewed again. ( I did not submit any additional documentation and received a letter on XXXX/XXXX/17, notifying me of the new payment of XXXX. ) The new payment was due to start XXXX/XXXX/17, instead of XXXX/XXXX/17. Since they did not complete the 2nd review until XXXX/XXXX/17, I was penalized for their mistake. They used the same documentation that was originally submitted to recalculate my new payment. I requested that an appeal be submitted, because I was being penalized for their error.
Also, I requested an administrative waiver for XXXX and XXXX, since the payments were more than I could afford. I was told that it was nothing they could do regarding the missed payments, because of the closeness of the recalculations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items 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 the alleged identity theft.

The following items listed below are unknown to me. 
XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$550.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX* Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} ; XXXX XXXX XX/XX/2021 ;
Product: Credit reporting or other personal consumer reports

I only listed in step 5 The information given is true because so far these people have not contacted me by mail I do not want them to have my address they only done contacted me by my cell phone number. 
Thank you please do not release my home address. 

The company listed below see ** has been calling my cell phone. Then they texted me this false information on XX/XX/year>, see below text message**. I XXXX  the company name and found several XXXX  complaints against this company placing false amounts due to XXXX XXXX account on their credit report. I never had an XXXX XXXX  account and I'm requesting that this be investigated before whomever these people are try to put false information onto my credit report. I checked my report before I sent this complaint as of now it's not showing on my credit report. I would greatly appreciate this fraudulent calling and texting to my phone number stop immediately! Thank you in advance for your prompt help. 

**Credence Resource Management, LLC is a Debt Collector. XXXX, offer to resolve your XXXX XXXX account XXXX with a balance of {$1400.00} for only {$880.00} if your payment is received in our office by XX/XX/year>. This is a savings of {$560.00}. You can also pay in parts. Call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had my apple card restricted before XXXX. I contacted right away and asked why did you guys do it. They said they think the account is fraudulent and need to verify it. They needed to send me an emial through XXXX so I give permission to my tax records. It took them 4 days to give it to me. After I signed everything. I have been waiting up to this date with no sign of ever being finished. Everytime I write to them they say it is still under review. Come on man just finish up with the review so I know my next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 XXXXXXXX
Product: Debt collection

I noticed Fair Collection And Outsourcing ( A debt collector ) listed on my Credit Report who is attempting to collect on a debt that is the subject of pending litigation in XXXX XXXX Case # XXXX with the original creditor. I am writing this complaint because this company simply inserted this on my Credit Report without giving me any notice or any information. This is a violation of the Fair Credit Reporting Act FDCPA. I am also requesting that this company not call me and to communicate by mail only. This debt is inaccurate and can not be verified because the information provided by the orignal creditor is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/XXXX I was a victim of fraud. I was contacted by who I believed was chase bank with a text message asking if I had tried to schedule a transaction of {$3000.00}. That text message was followed by a phone call which phone number I believed to be chase bank ( I checked the phone number to see if it matched chases customer service ). The call said that there was someone trying to do a transaction of {$3000.00} with XXXX and also a transaction of several XXXX dollars in FL XXXX. I said that was not me and I did not authorize those payments. He assured me he would put a hold on my card and decline those charges. After that he put me on hold as he said he was contacting the team that works with fraud to report it. He asked me a series of questions and prompted me to change my name on my XXXX account to yes, my name. He then prompted me to erase my phone number off my XXXX and my email address which I did. Then he asked me to re add all this information which would give me a code to verify which I have to him. After all this changing of my name, email and phone number and re-adding. He asked me to XXXX myself the funds in my account to myself which was {$1400.00} because they were cancelling my debit which I would no longer have access to. So I did that and thought it would be transferred to my new account or something. He had me confirm my account was a at XXXX and told me Id receive a new card in the mail and Id have to sign for this new card and I should receive it in 2-3 business days. When I never received the card I thought it was strange. I called chase on XX/XX/XXXX asking where my new card was and the guy told me they never contacted me and that I was never issued a new card. At that point I asked that he connected me with the fraud department and I told them what had happened. The lady said it should be resolved and that I should get my funds back. The next day on XX/XX/XXXX I received the funds on a temporary basis while they investigated my claim. Fast forward XXXX and they send me a letter via my account and tell me my claim has been denied due to them saying it was authorized by me and that the funds will be taken out of my account after or on XX/XX/XXXX.
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 - has violated my rights XXXX XXXX XXXX XXXX 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 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: Payday loan, title loan, personal loan, or advance loan

Hi, I was a recent customer of First American Title Lending Company on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX for over a year now up until the end of XXXX. We were making arrangements for me to become current on my account. I was told that I had a grievance for a few months ( credited as hardship ) they were fully aware that the car needed repairs and I was trying to work my payments out with them and still be able to get my car fixed. I made my payment on XX/XX/XXXX and someone from their company came and took the car on XX/XX/XXXX from over my aunt house without evening mentioning who they were or that they were from the title lending company. My aunt assume it was a mechanic that picked it up. They even damaged her driveway as they left her place. I asked her how he looked and realized that this guy was in her driveway the week prior to going through the car. A few days later I noticed a charge on my credit card where someone attempted to pay their utility bill in XXXX, Ga online using my routing and account number. I have my check books and bank information in the car and immediately called them to see if I can get my personal belongings out the car, they advised me I can do that but would have to speak with a manager. The manager never called me back, so I stopped by their office, and they advised me to come back around XXXXXXXX XXXX the next morning. I stopped by their today XX/XX/XXXX and XXXX XXXX told me to speak with " XXXX XXXX '' but she was not there and should arrive in 30 minutes. I came back and XXXX XXXX said that " XXXX XXXX '' still not in the office. I really need to get my personal items out of the car, there is someone at this company using my information to purchase items and pay bills online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS NOT MADE AWARE THAT I CAN OPT OUT
Product: Credit card

These inquiries were unauthorized. I am a victim of identity theft. Please remove these fraudulent items from my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

this account has been closed ; however, it is being reported as open and continues to accrue late payments and interest. This is a clear violation of federal laws governing accurate credit reporting and account servicing.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to ensure that information provided to consumer reporting agencies is accurate and complete. Reporting an account as both closed and open is materially misleading and damages my creditworthiness.

Additionally, under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), creditors are prohibited from applying unauthorized fees or interest charges to accounts that are no longer active or owed. If this account was closed, no further interest or late payment penalties should accrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the THIRD request that I am sending to remove incorrect personal information on my credit report. Please remove this incorrect information ASAP and send me an updated copy of my credit report to reflect these changes. 

The following names are incorrect and need to be removed from my credit report XXXX XXXX, this name is incorrect and inaccurate please delete from my credit report XXXX XXXX XXXX, this name is incorrect and inaccurate please delete from my credit report XXXX XXXX XXXX, this name is incorrect and inaccurate please delete from my credit report
Product: Debt collection

This company has continued to ingore my request for validating this account to now reporting inaccurate information to the credit bureaus.
Product: Debt collection

they call everyday the last time was XXXX XX/XX/XXXX. they have my name and number but but have me married to someone else, I do not owe this bill.
Product: Credit reporting or other personal consumer reports

Fraudulent open/closed collections accounts : XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX {$820.00} XX/XX/XXXXXXXX XXXX {$290.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$8400.00} XX/XX/XXXX XXXX {$250.00} XX/XX/XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX Fraudulent Unauthorized inquiries XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Home shopping ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX My information may have been impacted by the Equifax, XXXX and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX , I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Respectfully XXXX XXXX UCC-1-308 without prejudice
Product: Checking or savings account

account was closed by chase XX/XX/2024 for no good reason and i was supposed to receive a check for the remaining balance of XXXX ive been given the run around its been a month and i have yet to receive anything
Product: Student loan

back when I was in high school 1987 I was inquiring about going to a XXXX school Lincoln tech and I signed up for the school however I never attended I follow their protocol and sent a letter stating I would not be attending in the fall I then get a bill in the mail from student aid for interest I refuse to pay the interest payment because I never attended XXXX class I never received XXXX book I never went XXXX day to that school and the government for over 30 years has been harassing me
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. It is not permissible to fail to validate these reporting accounts as unverified information without providing proof. Please investigate the accounts that are erroneous in my credit report : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$45000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681g disclosure to consumer I was not informed of any activity. And my credit profile is freezed.

15 usc 1681 ( a ) ( 4 ) XXXX XXXX XXXX accounts that reporting false and misleading Information. 

XXXX XXXX XXXX accounts that reporting false and misleading Information. 
They never properly verified account. 

Contract caller Inc. 
accounts that reporting false and misleading Information XXXX XXXX XXXX accounts that reporting false and misleading Information. 

XXXX XXXX XXXX accounts that reporting false and misleading Information I've disputed several collections accounts that reports a s open and some have information that's not valid. None of these accounts was properly verified. I have had a credit freeze and my report is being accessed without my knowledge. I would like accounts to be removed due to false reporting and defamation of character. I've also checked some of these company online through XXXX XXXX XXXX XXXX and they are not licensed in my state.