23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX, you are in many violations and I am demanding you XXXX XXXX to correct all of your errors on my consumer reports right now. CFPB, FTC investigate this matter. I blame the Credit Reporting Agencies Experian for never doing their job properly because I disputed this account and Experian said it was valid. 

So I blame yall XXXX Experian, so please do not act dumb when I invoice yall for violations. 

First off, Listen hear XXXX, you are furnishing MY private information and I have the right to privacy, Im not sure if you are aware that is a {$5000.00} fine, I did not give you permission to furnish my private information on my behalf. 

2nd, I am putting you on notice in regards to the charge off and XXXX  BANK should know what the IRS says about a cancellation of debt of XXXX or more and I am demanding XXXX XXXX  to send my 1099c, which you should have received when the debt was charged off. Also I will have to contact the IRS on them. A charge off is gross income and doesnt get reported. As of dated XX/XX/2022 at the time of XXXX XXXX, is reporting a Charge Off to ALL credit reporting agencies on my behalf with a balance of {$1200.00}. I have never received a 1099c form from XXXX XXXX. 

There are various violations this company XXXX XXXX  are in 12 CFR 226.11 - Treatment of credit balances ; account termination.

a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall - ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.

The executive from XXXX, XXXX, told me I can NOT reopen my account, when I asked to reopen my account, hes very rude, and XXXX XXXX  is doing unfair business. I just CLEARY explained everything in a very basic and understandable term.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am filing another complaint on Bank of America. This is following a complaint I made back in XX/XX/XXXX. Bank of America has since removed the negative reporting on my credit reports for those months they falsely reported me late in the year XXXX. However, somehow my credit report is now showing a 120 day late for XX/XX/XXXX, which did not show during my first complaint. In my previous complaint, I have attached my payment history for your review. And that will show that I paid off the loan in XX/XX/XXXX... so there is no way that I have a late payment in XX/XX/XXXX. Bank of America has so many errors and is causing a long hold up on a refi loan I'm trying to get since last XXXX. 

My payment history was uploaded to you from the previous complaint so I won't upload it this time. But if you need it again, please let me know. 
Please let me know if you need any information from me and help me get this resolved asap. 

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

XXXX XXXX reports that I have two credit cards attached to my name as far as both Equifax and XXXX are concerned, but the credit cards are in names that are not now, nor have they ever been, mine. 

I was able to file a dispute with XXXX  via XXXX XXXX, but Equifax can't confirm that I'm me and so can't discuss my account with me. 

I can not determine within whose records the error occur and none of these agencies seem even remotely interested in addressing the information. 

Additonally, multiple addresses of relatives appear as mine and the last employment history they have for me is 20 years old. 

These are the gross errors I am able to identify and can only imagine what other mistakes exist in my " file. '' My complaint is that Equifax has been, is, and continues to mismanage my personal information.
Product: Student loan

I had been in the process of obtaining an income-based repayment option from Navient, the company which services my student loans. In early XXXX, In order to allow me time to complete the necessary forms, Navient put my loans in forbearance until XXXX XXXX. However, as of Monday, XXXX XXXX, I was informed that my loan repayment date was moved up to XXXX XXXX. I called Navient on XXXX XXXX and explained that my financial situation did not permit me to begin repaying my loans within three weeks. I requested that the original date of XXXX XXXX be reinstated. They refused, stating that I had no time left for forbearance. This simply does n't add up as XXXX XXXX was originally the end date of my forbearance. I believe that Navient deliberately misled and even lied to me. They indicated that had I waited later to submit the income-driven repayment paperwork, I would have been able to begin repaying my loan on XXXX XXXX as originally agreed. Clearly Navient is incapable of keeping their word as to when repayment should commence. Had I known that I would be given such shoddy treatment, I would have delayed submitting my paperwork until the last minute. XXXX XXXX was always an option. Changing my repayment start date is capricious and arbitrary. I 've NEVER seen this occur with a credit card, bank loan, or any other installment plan. This feels borderline criminal.
Product: Credit card

I purchased diamond earrings from XXXX XXXX XXXX XXXX in XXXX XXXX, CA for {$14000.00} which included sending out to the GIA for certification. I paid for the earrings with my Chase XXXX credit card. I never received the earrings and the merchant kept my money. I disputed the purchase with Chase multiple times but they wont reverse the charges. Ive been paying my credit card with interest for almost XXXX  months and I have no earrings. I filed in small claims court of XXXX XXXX and won an Uncontested Judgment on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

my current address is not showing on my equifax and XXXX report,
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX the consumer gave XXXX 3 NOTICES to delete information from my credit report. I have evidence of them removing and putting back. 15 U.S.C. 5802, I never received disclosures to opt out, I need that to be done as well. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. FCRA 15 USC 1681 accuracy and fairness of credit reporting ; the congress finds the following findings : An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. This is the law that governs my consumer reports/credit reports. Proof that your Credit Reporting Agency is the information highlighted on my credit report. Accuracy means all values are deemed correct, so accuracy is a measure of value. Value can only be determined by a human being/living being/natural person. So when congress references accuracy, they are leaving it up to me to determine whether my credit reports are of any value to me. Fairness is no one person is taking unjust advantage of another. So when congress references fairness, they are asking you me to decide whether my reports are just and if someone is taking an unjust advantage of you. XXXX, Transunion and XXXX have all been notified. They are in violation of PRIVACY ACT OF 1974 : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). I NEVER gave you, XXXX, Transunion or XXXX any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681b. Equifax has caused severe stress and anxiety due to the abusive and unfair practices. No one is allowed to have or purchase my information without my consent. This is an infringement upon a consumers right to privacy. 15 USC 1692 it references individual privacy fall under abusive practices. 15 USC 1692d The use or threat of use of violence or other criminal means to harm, the physical person, reputation, or property of any person. There are 4 missed payments listed for Transunion and XXXX. XXXX has 34 missed payments. According to the FCRA is {$1000.00} per violation. I want to be compensated along with compensation for Emotional Damage and Humiliation.
Product: Credit reporting or other personal consumer reports

NISSAN MOTOR ACC HAS BEEN CONTACTED SEVERAL TIMES THAT XXXX ACCOUNTS ARE ON MY XXXX CREDIT FILE THAT ARE FRAUD. I WILL BE FILING LEGAL ACTION AGAINST NISSAN MOTOR ACCEPTANCE BY XX/XX/year> IF THESE ACCOUNTS ARE'T OFF MY CREDIT FILE.
Product: Debt collection

I owe a past due to PayPal and the credit collector, XXXX, calls me 2 to three times a day. They r calling my cell number and never have verified if I am the correct person they seek.
Product: Debt collection

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against XXXX XXXX XXXX and DCM Services. For several months I have been trying to get this issue resolved. XXXX refuses to speak to me and DCM Services just keeps telling me that " Our client says the information is correct ''. Which is false. 

I had a vehicle financed through XXXX that was deemed a total loss in 2020. My insurance ( XXXX ) paid them the FULL value of the vehicle and the remaining balance was covered by GAP. XXXX alleges that the full balance was not covered by GAP. So, I contacted GAP myself and asked them why there would be any balance left over. They assured me that the full balance should have been covered and that there was no reason any balance would be remaining. EVEN if I had extensions on the account because these would have been COVERED DUE TO THE PANDEMIC. 
Therefore, the balance XXXX is alleging I owe. I incorrect and it is thievery. XXXX in total has received well over the value of the vehicle and well over my original loan amount. At this point, they are being greedy and I wont allow it. 

IN ADDITION, they are reporting this inaccurately to credit bureaus. They are reporting this as a REPO which is again, FALSE. They are also reporting me as the only and sole owner of this account which is FALSE. My father, XXXX XXXX ( who is now deceased ) Was the account holder and I was a CO-SIGNER.

Lastly, they gave me TEN DAYS notice to pay this before reporting it to my credit as a bad debt. 

I will take legal action if this is not resolved. 

THANK YOU.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I just reviewed a copy of my credit report. I notice fraudulent accounts. Please remove these accounts from my report. They are hurting my ability to get credit.
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, Dept of Education/XXXX XXXX XXXXXXXX, Dept of EducationXXXX XXXX XXXX XXXX Dept of EducationXXXX XXXX XXXX , Dept of Education/XXXX XXXX XXXXXXXX, Dept of EducationXXXX XXXX Dept of EducationXXXX XXXX XXXXXXXX , Dept of Education/XXXX : XXXX, has v

iolated 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: Debt collection

Company by the name Huntington Debt Holdings, LLC has emailed me before XXXX to tell about a debt. I had reviewed the email and it was sent at XXXX my time.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 Student Loan Consolidation Scam I received a letter in the mail that stated " Student Loan Consolidation & Payment Reduction Program Prepared For : ( me ) '' - New Laws Discounting Federal Student Loans It included information that seemed legitimate with options for student loan consolidation and forgiveness plans with directions regarding using my FSA account. I am familiar with this process since I attended college and completed FAFSA regularly. The website link ending in ed.gov also made me feel comfortable going through this process. I quickly logged in my existing account and then called the phone number XXXX to speak with an " expert ''. I figured they could help guide me through the website and complete the appropriate actions. 

I called the number and spoke to a rep. He somehow logged into my FSA account and changed my password. ( I later went in and changed it ). He asked me basic questions about my income, family size, etc. Everything seemed legitimate and went smooth until he placed me on a brief hold and returned saying that I was approved. 

I started to get a bad gut feeling from the following actions : - He stated that there would be a " fee '' that he could not specify. I was placed on a brief hold and when he returned he let me know that it would be {$790.00} or two payments of {$390.00}. There was a third option for 3 payments of {$290.00}. 
-He seemed very pushy and wanted me to schedule out a payment within a week. For someone who is trying to lower a student loan payment, this simply does not make sense -He then asked for my checking and routing number over the phone. When I expressed skepticism he started to recite my social security number and personal information back to me to somehow reassure me that it was not a scam. 
-I asked him if he was a part of FSA organization he said yes, and used the fact that he could access my information as proof of that -I questioned him further and asked him if the service that he was providing me could be completed directly through the website and he stated " well yes, but many people can not do it correctly, just like people who do their taxes by themselves '' -He somehow sent me 2 documents to sign from XXXX  via email. One was for student loan forgiveness ( I make enough money that I wouldn't qualify anyway, so that didn't make sense to me ). He asked me to delete the first one. 
-As I started reading through the second document, I noticed the business name was Cornerstone XXXX XXXX. 

I did not sign any documents and politely ended the phone call. I did not appreciate being mislead and ended up completing an application free of charge in about 5 minutes after ending that phone call.

This is a terrible scam and unsettling- especially if they are taking advantage of people who took out loans to get an education and are looking to save money.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This keeps happening to me I just finally got some of the other frauds taken off and now their trying to open more accounts I would please like for them to be removed its from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX is when it started.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never really looked into my credit til my wallet went missing and to my surprise I saw accounts that I have no idea about and I'm demanding that these accounts be removed immediately from my report, XXXX XXXX XXXX. XXXX XXXX XXXX, and XXXX XXXX. Please honor my request or support your reporting with signed contracts and any other physical documentation that will substantiate these accounts.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer ContracXXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170.00} Collection Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate rhis reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.The accouns need to investigate and delete from erroneous reporting in my file are listed on my credit report : AFFIRM INC XXXX