23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX is stating I owe XXXX on an account I never lived in or signed a lease. I have requested and sent information showing this debt is not owed by me but an ex that actually lived at the address but they refuse to take this debt off my credit. After showing proof I never lived or signed a lease agreement.
Product: Credit card

On XX/XX/XXXX, I was a victim of predatory illegal towing practices in XXXX XXXX XXXXXXXX. They violated multiple laws such as refusing to take credit card and asking for cash only ( they only accepted my capital one card after calling the police ), attempting to take my car outside of XXXXXXXX XXXX XXXXXXXX limits ( towing cars outside XXXX is illegal ), and refusing to give me an invoice explaining the charges. I did not receive a police report at the time as the policemen told me to go through the department of consumer affairs. I let capital one know all of this and disputed the charge instantly. I have already filed a complaint through the XXXX dept. of consumer affairs and they are currently investigating. Capital one initially closed my dispute, however it got reopened and I submitted a letter explaining the situation, along with letting them know about the pending investigation by XXXX XXXX. A few days ago I was informed my dispute case was closed and I am being charged the full amount. I was told I did not provide information as they requested ( even though I uploaded a letter as they asked through their document portal that detailed the pending XXXX investigation ). I have no recourse now through capital one and they refuse to reopen my case. I'm a XXXX XXXX that barely gets by on loans anyways and can not afford a fraudulent XXXX dollar charge that is being investigated by the city. I've been a capital one customer with XXXX different credit cards and a savings account for more than XXXX  years now however I will be switching banks now because this is shameful.
Product: Debt collection

All Debt Solutions has continued to harass me about a debt that I had closed out of at XXXX XXXX. Under the pretense that I could not cancel XXXX banking upon request, was ignored and continued to bill me. Resulting in All Debt Solutions taking over the debt. This year they have now updated the debt further even though I have not incurred additional costs. I have requested multiple times to validate the debt and they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters and called all three-credit bureau 's on XX/XX/2022 and they have not removed these incorrect notations. According to, 15 USC 1681. I did not give no one written consent to furnish anything on my credit report.
Product: Debt collection

I submitted a dispute with XXXX XXXX through XXXX  for XXXX XXXX XXXX XXXX XXXX. This dispute was placed on XX/XX/2021. Its now XX/XX/2021 and have not received no communication. Shows dispute is still pending and has been over 30 days. Legally by law if dispute is not resolved in 30 days, this needs to be removed off of my report..
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is showing a closed credit card account on my credit report. This was an account I was an authorized user on, had no liability and was removed as an authorized user over 2 years ago. Capital one says they are not reporting it on my credit report however that is incorrect. It shows account XXXX, date opened XX/XX/XXXX, updated XX/XX/XXXX, credit limit {$1400.00}, monthly payment {$39.00}, terms revolving, responsibility terminated. I want this tradeline removed as it is affecting my credit score.
Product: Credit card or prepaid card

My CC payment is due on the XXXX  of each month. The cut off for the statement is the XXXX of each month. I sent out the payment for XX/XX/XXXX on the XX/XX/XXXX and it posted on the XX/XX/XXXX, the same day as the statement cut off, thereby posting to the XX/XX/XXXX statement. I contacted the Barclays CC and asked to have the payment corrected to post towards the XX/XX/XXXX payment due as intended and they refused. I have maintained my account as agreed with them. I have never asked for any accommodations. I would like this one time mistake to be corrected and the payment be posted as I intended.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year>, XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX XXXX XXXX XXXX. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.
Product: Student loan

This is my second complaint as the first complaint proved ineffective. I hope this one does not. In XXXX, I had Loans 1 and 2 disbursed. In XXXX XXXX XXXX, I took out Parent Plus loans for loans 3 and 4. I asked for consolidation around XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, loans 1 and 2 were forgiven. According to the Dept. of Education, Mohela ( my service provider ) was to have adjusted the consolidation request so that loans 1 and 2 were not part of the consolidation. Mohela failed to do so. Accordingly, a consolidation loan of over {$90000.00} was issued to satisfy my four loans. But loans 1 and 2 were already discharged effective XX/XX/XXXX... so what happened to the loan amounts that were supposed to pay off loans 1 and 2? I never received the loan proceeds for loans 1 and 2 and they could not have been applied to payoff loans that were discharged effective 3 years prior. Nonetheless, Mohela inexplicable says I owe over {$110000.00} when they know 2 of the loans that were part of the consolidation were forgiven prior to consolidation and my amount should be much lower, i.e. about {$40000.00}. They have repeatedly stated they would adjust my account but do not do so. As recently as XX/XX/XXXX, a supervisor with Mohela said my account would be adjusted within 14 business days -- and it is 2 days past that deadline with no adjustment. I can not make payments on my legitimate loan amount because Mohela refuses to adjust my account, adjust my payment to accurately reflect what I owe in principle, or forward to me the consolidation loan proceeds that could not have been applied to loans 1 and 2 because they were forgiven beforehand.

I think it is clear they are violating the Fair Debt Collections Act by misrepresenting both the nature and amount of loan I owe. 

Please help and advise what other laws they XXXX be violating. Thank you.
Product: Checking or savings account

about XX/XX/XXXX, my American Express Serve debit/credit card was stolen near XXXX, Texas. In XX/XX/XXXX when I realized this, I contacted American Express and had the card suspended and a replacement sent to my mailing address. I know the name of the parties who stole the card and provided this to American Express. I submitted theft/credit card misuse complaint report with XXXX, Texas, police department about XX/XX/XXXX as is required. I provided all relevant info to XXXX, Texas Police Department and this complaint was sent to a Detective in the department ( Fraud Department ). I opened this account about XX/XX/XXXX. This account card is used as a debit and credit card, both and often the user must show identification to use the card for transactions, therefore, this case involves Identity Theft. The thieves in this case also were in possession of my state issued identification card and social security card, as well as insurance cards, etcetera. This account has Fraud Protection on it. American Express informed me about XX/XX/XXXX that I had to submit a completed Declaration of Fraud form, including for every fraudulent transaction that occurred during the time the card was out of my possession ( from XX/XX/XXXX to XX/XX/XXXX XXXX, which I did. This took several months. Over the course of the next couple of years, at some point I was also informed that I had to write a letter to the American Express Serve Office ( Account Protection Office ) in Georgia, which I did do. Fact, I was a XXXX XXXX XXXX  and was involved in several civil law cases during this time period, as still am. The files pertaining to this case and some others keep getting stolen, causing problems in proceeding with resolution in this case. After repeated attempts, American Express stubbornly refuses to return the stolen funds ( more than {$5200.00} ) .. The persons responsible for the theft are ex convicts with history of these kinds of thefts. I have made it clear to XXXX Police and American Express that I am willing to work toward prosecuting these individuals, including so that they can't do this to anyone else. American Express 's refusal to return these funds, even temporarily, is hampering prosecution on this case. In the meantime, the card as stolen again ( in XXXX ) and the thieves stole more than {$7200.00} from this account during a 9 month time period. As a last resort, I turned to the Texas Department of Banking regarding American Express odd handling of this case. From there I turned to the Office of the Comptroller of the Currency, who referred me to your agency. I am only asking for return of the {$5200.00} ish funds stolen from this account during the 5 month period the thieves were in possession of this card. American Express is in Breach of Contract on this matter. Respectfully
Product: Mortgage

I have requested a mortgage modification with my mortgage company CitiMortgage. My income has decreased. I want to keep my home I want my payment based on my current income so I can afford my payments. I received the foreclosure notice XXXX XXXX, 2016 by mail, the law in Tennessee state notice is to be given to the homeowner XXXX prior to the foreclosure per Tennessee code annotated. Please Help
Product: Credit card or prepaid card

they closed my accoutn for zero reason never been late nothing have excellent credit bc im XXXX and XXXX they did this
Product: Debt collection

I was informed that I would be sued if I did not pay the debt I asked for proof of the debt and I only received a letter requesting my tax money.
Product: Credit reporting

My mother and I have the same name but different Security Numbers and addresses. I have been under a different address the past two years. I see some disputes on my report that possibly could have came from my mother. I have not been to a college. Please let me know what future steps I have to resolve these issues please.
Product: Credit reporting or other personal consumer reports

Ive had two data breaches in the last 4 years so I need the following to open as stated under... 15 U.S.C. 1681 - U.S. Code - Unannotated Title 15. Commerce and Trade 1681. Congressional findings and statement of purpose 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 consumer 's 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.
Product: Vehicle loan or lease

Initial transaction started on XX/XX/2018 and completed on XX/XX/2018, We strongly believe the entire transaction was misleading, untruthful and we believe to be fraudulent. Believe we are being unfairly charged on our monthly car premium. Also, upon completion of the paperwork, we were allowed to drive the  vehicle off of the dealership lot without having any car insurance coverage for that vehicle. We have not received any response from anyone from the dealership or GM Financial.
Product: Debt collection

This company sent a processor Crown Asset Management , LLC XX/XX/year> into my job the processor who is on video walking up to all the employees in customers in speaking in XXXX in XXXX can be heard saying he was there to serve XXXX XXXX for a debt. He also refuses to leave sat inside the XXXX on her days off XX/XX/year> even after the staff said she wasn't there also on camera in asked the customers coming into the XXXX. As our company policy states we are not allowed to discuss personal matters on floor in front of customers. I was told by my GM to call the police the police told the gentlemen he couldn't keep coming in sitting talking to customers he was crossing the line. I was forced to take the papers in everyone knew before me what was going on my clients in employees. If videos in statements are needed, I can provide it.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of fraudulent accounts and unauthorized inquiries listed below from my credit report. As a victim of a data breach, my personal information has been used without my consent to open or attempt to access these accounts. I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to block and delete these fraudulent items.

Fraudulent Accounts to Block and Delete XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX - Amount : {$2600.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$2400.00} XXXX. XXXX XXXX XXXXXXXX - Account Number : XXXX - Date : XXXX - Amount : {$2100.00} XXXXXXXX XXXX XXXX Account Number : XXXX - Date : XXXX - Amount : {$0.00} Fraudulent Inquiries to Remove XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian refused to investigate your dispute, claiming that the request did not appear to be sent by you or authorized by you. Despite receiving your dispute, they took no action based on this assumption. This violates 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires a credit reporting agency to investigate disputes if a consumer directly notifies them of inaccurate information. Their failure to investigate after receiving certified mail and proper documentation constitutes non-compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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
Product: Consumer Loan

When I called into payoff my existing balance on my loan for my Spotloan account on XXXX/XXXX/16. They told me that they are unable to process my payoff until XX/XX/XXXX so that they could collect more interest on my account. Since my finance rate is very high, I thought the process is unfair. 

Cordially, XXXX
Product: Debt collection

This debt was not validated and the collection agency removed it from my report and later reinserted the item in my report without contacting me first violating my rights under FCRA
Product: Credit reporting or other personal consumer reports

I had a debt with XXXX XXXX XXXX XXXX XXXX back in XXXX, i explained to the company I was homeless and lost my job and would pay off debt once I get on my feet. On XXXX XXXX, XXXX my account with the company was open. I paid {$420.00} {$420.00} for the debt amd {$5.00} for the processing fee. I provided experian with the ban statement proving it was paid and security plus was reporting it was a charge-off and that the accout was closed in XXXX which is false. They are not reporting i paid them at all, it states {$0.00} for all these years. Experian has not changed this information stating the information is correct. I want a full investigation into the real date and year this account was closed. Once i paid the thats when the account was closed and me not knowing much about credit reports i thought it was good. I was told if i pay in full and not installments they would clear it off my credit. This has hurt my chances for apply for loans, credit cards and many more. This company experian has not truly investigated this issue. I want this removed from my credit report they has not reported that I paid the debt off. I believe they have committed fraud by taking a payment from me then writing it off.
Product: Bank account or service

On XX/XX/2016 I XXXX XXXX requested from Wells fargo Bank XXXX manager copies of cancel checks that she needed from the bank in order to obtain proof where she paid the City of XXXX real estate Taxes because she was told in order for her to get back were she overpaid her taxes. after numerous times going to the bank in person and talking to the bank over the phone and being told that the bank would take care of it and email the bank cancel check to her son 's email address. And the bank never did send the information which hardening XXXX XXXX from get the money that the City of XXXX owes her in her back taxes which is a few thousand dollars to this day the bank has not help her in this situation.
Product: Debt collection

On XXXX XXXX, 2017, I wrote this company a letter requesting " PORTFOLIO RECOVERY ASSOCIATES Ref # XXXX '' account to be validated by this company. Even now, I have not received any validation document from this company. This is a direct violation of FCRA and FDCPA. I would like this to be resolved and this is my last result before involving my legal counsel.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ) .I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair CreditReporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationXXXX. Please delete the following accounts.
Product: Checking or savings account

the user name for my account is XXXX. Pay pal despite me showing reasonble proof has 100 % of the time sided with dioutes and unathorized charges by default with th merchat with an inivestigation. It is by dfault and the assumption is somehow I made it up. Meanwhile They are ignoring ID theft law and not refunding my money imediatly.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted dispute letters pertaining to the accounts that are reporting on my credit report. On my report there are many inaccuracies that do not pertain to me ( meaning accounts are not mine ) the actual information on my report is not 100 % reporting the same across all three CRAs, and their reporting a bankruptcy which my court clerk of where I filed said they do not share that information with the 3 CRAs. The accounts in question are : All 3 Bankruptcies that are stated in the document All XXXX XXXX XXXX accounts on document Self account
Product: Debt collection

This debt was included in a XXXX XXXX repayment plan with the ORIGINAL CREDITOR. This collection agency was notified of this before the item was placed on credit report.
Product: Student loan

DEAR XXXX, This was your response from XX/XX/2023 in regard to a compliant that I had submitted.Please find new evidence to support my compliant and desire to have the private loan discharged on the basis that XXXX is the one that serviced me and led me to Laurel Road. It is now my understanding that XXXX is returning the the Federal status and that all of this actually will reverse the response below. Will I soon be able to have my Federal Student Loan, once again serviced through XXXX under my approval for the Borrower Defense decision and decree? 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX Is a Servicer to Federal Student Aid You have a network of support to help you succeed with your federal student loan repayment. Find out how Federal Student Aid partners with loan servicers to be here when you need help.

Support You Can Trust You can visit StudentAid.gov to see a list of our trusted federal student loan servicers, or submit a complaint directly to the FSA Ombudsman. 


" Proceeds from your Laurel Road student loan were used to pay off federal and private student loan debt. Please find enclosed a copy of your promissory note for review of the terms and conditions provided with your refinanced loan. Please note, by refinancing, any federal student loans are no longer considered to be federal, and therefore no longer qualify for federal student loan benefits provided by the XXXX XXXX XXXX XXXX XXXX XXXX  ). Additionally, any benefits provided at the sole discretion of any previous private loan lenders are no longer applicable. We strive to make this clear throughout the application process, as noted under Federal Loan Alternatives in the enclosed disclosure : Please note that if you refinance qualifying federal student loans with Laurel Road, you may no longer be eligible for certain benefits or programs and waive your right to future benefits or programs offered on those loans. Please carefully consider your options when refinancing federal student loans and consult XXXX for the most current information. 
If you have any additional questions or concerns, please dont hesitate to contact one of our ''