23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2019 a XXXX XXXX account was opened in my name. The person added an authorized user of " XXXX XXXX. '' Within the last XXXX weeks, I began the process of closing on a home. Then, a collection account from Jefferson Capital Systems appeared on my credit reports. I disputed the debt because I knew nothing of it. I then contacted XXXX, who let me know about the account that had been opened in my name, wasn't paid, and was sent to collections. The person used my name, social security number, and an outdated address. I have attempted to contact Jefferson Capital Systems by phone, to no avail. I have filed a police report and provided it to XXXX. This is a clear-cut case of identity fraud, and it is close to making my entire family XXXX
Product: Mortgage

On XX/XX/2020, I requested a loan payoff estimate online because I was not able to get anyone on the phone at Bank of America. The bank applied a19.78 % daily interest rate to the loan for a week because I requested a loan payoff estimate without telling me. There was no advance notice that if I request a loan pay off that an additional interest rate would be applied. Additionally, the banks website was down the day after I requested the pay off, so I couldnt even get the pay off details that I needed to pay the loan off and stop the unknown interest rate from accruing interest. The monthly mortgage is {$780.00} and theyve essentially added another month to the loan all because I sought details on how to pay the loan off. This is deceptive and unfair.
Product: Student loan

Sometime in XX/XX/XXXX, I applied for a Direct Loan Consolidation of my two FFEL consolidated subsidized and unsubsidized loans that were held and serviced by XXXX. The subsidized Federal Consolidation Loan principal total = {$40000.00}. The unsubsidized Federal Consolidation Loan principal total = {$43000.00}. The total Loan Payoff Amount : {$84000.00}. ( see attached Verfication Certificate Detail ). I have been told by XXXX, that they do not have my Direct Loan Consolidation Application and Promissory note from XXXX. I was told by XXXX that I would need to contact my current servicer to obtain the Direct Loan Consolidation Application and Promissory Note. I contacted my current servicer Nelnet and they said my current file has not been fully updated because it was recently transferred from XXXX. I have contacted XXXX XXXX XXXX, XXXX as well as XXXX and none of them have been able to supply me with my Federal Direct Loan Consolidation and XXXX XXXX from XX/XX/XXXX. 

Sometime in XX/XX/XXXX, I signed off on a Federal Direct Loan Consolidation with the Dept of Ed via XXXX XXXX XXXX XXXX or XXXX XXXX ( see attached Direct Loans Consolidation Loan Verification Certificate ). According to my XXXX data and the Direct Loans Consolidation Loan Verfication Certificate authenticated by DOE official, XXXX XXXX on XX/XX/XXXX, the Direct Loan consolidation disbursement date was XX/XX/XXXX and Anticipated Actual Completion Date was XX/XX/XXXX. Per XXXX, In Repayment started on the Direct Loan Consolidation on XX/XX/XXXX. 

On XX/XX/XXXX, I received from XXXX, the Lender Verification Certificate for the Direct Loan Consolidation confirming that I had infact requested a Direct Loan Consolidation in XX/XX/XXXX. ( see attached XXXX document )
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries. 

XXXX XXXX XXXXXXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX  + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX  + Auto Financing XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX  + Auto Financing XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting inaccurate and false information on my report.The account in question has fraudulent charges, wrong balances, and dates. I decided to settle the account despite the charges but the account remains reporting as if I own it and with the invalid charges.
Product: Credit card

On XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


JPMCB has violated my rights per and have denied me credit. 

Credit - means the right granted by a creditor to a debtor to defer payment of debt - 15 USC 1691a ( d ) 15 USC 1691- scope of prohibition It shall be unlawful for any CREDITOR to discriminate against any applicant, with respect to any aspect of a credit transaction - JPMCB  have discriminated against me, I am currently in the process of receiving supplemental assistance so my " credit '' report is a factor but it is not a sole or definitive reason. 
I am demanding they remove this off my credit report as JPMCB has no right to furnish my information.

15 US Code 1681 - Requirements of relating to information contained in consumer reports- Except as authorized under subsection ( b ), 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 NO adverse item besides the conviction of crimes should be on your report any item that is a deragatory mark is NOT allowed into consumer reports this is another violation JPMCB has violated my rights and caused me emotional distress I am opting out of their services.
Product: Debt collection

Indicate that they will stop calling until they send a debt validation.

They kept calling me even though I told them not to do it. The person who answered me on the first call told me that they were not a collection company.

I was with a person who was helping me on the call and the person who called me told me " the call is between you and me '' so I can't have an advisor to help me with things that I don't know? What law prohibits that?

They did not send me all the documentation I requested. I have never said that this debt does not belong to me, but there is information that does not belong to me and that violates the law.

Apart from that, with the things that the collection company is doing, it is violating my rights.

I attach evidence of all this with names, a letter and photos of the situation.
Product: Credit reporting or other personal consumer reports

In accordance with 73 P.S.201-1-201-9-2, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX Bank XXXX Furthermore , both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. 
Inquiries that I have not authorized also have affected my credit standing Inquiries that I have not authorized also have affected my credit standing XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In     XXXX    2017  and   XXXX      2017  I disputed an account by mail, that was reporting incorrectly. BOTH times I received a letter stating that the account in question was n't on the credit report. Ive called only to be told that the account number that was put on the dispute us wrong. It is my right as a consumer that if an account is inaccurately reporting to demand removal. I do n't understand how I can write the account number wrong that I received off of their website? Twice? The only resolution is that the account be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Ulta, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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. 

Late Payments- XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, co XXXX XXXX, XXXX XXXX A.R.M. XXXX, XXXX. 
XXXX XXXX XXXX XXXX, CA XXXX The account number for the debt is XXXX Agency account number XXXX A.R.M. 

I am responding to your contact about collecting a debt. You contacted me by mail, on XX/XX/2024 and identified the debt as I owe to XXXX XXXX in the amount of {$190.00}. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. 
Sincerely,
Product: Credit card or prepaid card

1. I made reservation for stay at XXXX XXXX on XX/XX/2020 for the amount of XXXX USD but I didn't receive my {$300.00} XXXX annual statement credit for XX/XX/XXXX-XX/XX/XXXX. 2. I spoke with customer service in XX/XX/2020 regarding extending the expiration date of my XX/XX/XXXX-XX/XX/XXXXannual {$300.00} XXXX statement credit. The customer service rep asked me to wait a week and assured me that I would receive an update before the credit expires. However, the customer rep did not provide an update, and as a result, I was not accurately notified of an accurate expiration date as a result of negligence on the company 's service. I waited because of the request made by the company. If I knew the credit would expire and that there is no update coming from the company, I would confirm and make sure I would spend the credit before the expiration date. I requested resolution from the company, but didn't receive resolution. Conversation ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Product: Debt collection

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX Account # XXXX XXXX : XXXX, XXXX {$19.00} Dear XXXX, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you, XXXX XXXX XXXX.
Product: Credit card

Hello, Toward the beginning of the year ( 2023 ) I made a large purchase ( {$35000.00} ) toward a service provider on my business credit card, to which the service was never fulfilled due to internal issues on their end. After much back and forth with the merchant, they eventually agreed to not fight a chargeback on the payment, if I were to submit one through my credit card company ( Citizens Bank ). 

Once this was established, I went ahead and filed a dispute against the charge made. I have even sent over all the necessary info Citizen 's Bank Claims Department needed, including a screenshot of the email to which the merchant claims, in writing, that they will not contest the chargeback and let the full refund go through. 

It has been two months since I provided this information to the claims department, and I have not heard anything from them since. I have tried calling Citizens Bank multiple times, to which they explain they can not contact the claims department directly, and that the case still appears to be under " Pending '', however, it is long past the typical time it takes for a case like this to be resolved. 

I have also tried emailing the claims department email directly " XXXX '', to which I have gotten no response. 

I have even contacted the merchant to which the dispute is being filed against, and they have not heard a single thing from the claims department.
Product: Checking or savings account

1. Marcus has not complied with all rules and regulations cited in 15 USC 1693f ; 12 CFR 205.11.

2.Marcus failed to secure my funds and allowed an unauthorized withdrawal of {$230000.00} I am uploading the investigation by the XXXX XXXX XXXX Florida Sheriffs Department validating that your inept, simplified, negligent investigation was no more than a sham. The detailed and more thorough investigation by the Sherriffs major crimes, cyber-crimes, Attorney Generals Office, and Secret Service negate the intensity of your investigation. 
Knowing the lawful facts, we can not conclude Marcus conducted an adequate investigation. Unauthorized withdrawals were conducted by unauthorized users. Marcus did not attempt to limit the amount of the withdrawals. With each of these transactions exceeding the {$10000.00} daily aggregate amount, no Suspicious Activity Report was filed. No communication to this account holder was ever initiated. U.S. law enforcement provides banks with access to resources and tools that can be used to strengthen Bank Secrecy Act ( BSA ) /Anti-Money Laundering ( AML ) risk management programs. 
My funds were removed from Marcus without any recognition of the portent of these stolen funds. You are responsible for this loss. 
1. I would like to see documentation on the extent of the investigation on which you based your findings. It was your duty to offer to share the documents you relied on rather than just a transaction sheet. It is a violation to not produce these documents. Again, the attached investigation by government authorities validates that I did not authorize or conduct these transfers. 
2. Why doesnt every substantial withdrawal trigger a fraud concern?

3. It is also my understanding that if Marcus fails to conduct a reasonable investigation or comes to a completely unreasonable conclusion with the evidence they have, I may have a claim against the bank for violations of the Electronic Funds Transfers Act ( EFTA ). Such a claim entitles the consumer to three times their lost damages plus attorney fees.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Debt collection

Linebarger Goggan Blair & Sampson, LLP is an identified debt collector that obtain my nonpublic personal information without my consent through an nonaffiliated 3rd party source by the means of aggravated identity theft pursuant to 18 USC 1028A. They have contact me without my prior consent given directly or from the express permission of a court of competent jurisdiction allowing to do so pursuant to 15 USC 1692c ( a ) and violated numerous of provisions under the Fair Debt Collection Practices Act ( 15 USC 1692 ) ; Fair Credit Extension Uniformity Act ( 73 P.S. 2270.1 in their attempt to extort me. I REFUSE TO PAY SUCH ALLEGED DEBT and demanding Linebarger Goggan Blair & Sampson, LLP to cease and desist communication through all mediums in reference to this alleged debt with me and any other person pursuant to 15 USC 1692c ( c ). *SEE ATTACHMENTS*
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letter regarding inaccurate information on my credit report. It's been over 50 days and I have not received a response. At this point, I feel my dispute is being ignored. Section 611C states that a failure to investigate these items within 30days results with immediately removing these items from my credit report. This items have been in dispute for over 50days and should be deleted from my credit report. I am tend to file a FTC complaint and sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX  vs   XXXX   XXXX    AMEX. I have conta c ted Macy 's over 20 tim es to remove a 30 day late on 10 years of membership. I was treated cruelly by Customer Service Reps. The late reports as   XXXX   XXXX    . I have repeatedly explained that I have never made a late payment on any account on my report. At this time in   XXXX  , my brother had recently died young and horribly from  XXXX   XXXX . My mother was in final stages off   XXXX   XXXX   and I was caretaker. My daughter was volunteer teaching on the remote   XXXX   XXXX   XXXX   in SDakota. I got an emergency call that my daughter was extremely ill and needed to be taken to a real hospital ( not  medicine man ) imm ediately. I did that but brought th e Macy b ill with me and sent it out on time. I have been repeatedly told b y AMEX that t he death of the family members at that time was not if any importance to them. They said my fear to be with my daughter across the country on a   XXXX   with third world country health care, was totally inconsequential to them. Every time I asked for a goodwill adjustment due to so much health trauma, they said  Macy 's AMEX has  no good will. It is possible that because it was sent from remote   XXXX   XXXX  , it could have been delayed. M y credit score  has been severely damaged by this but my faith in people is damaged as well. I have never been spoken to in such  s demeanin g way, emohasizing that their payment was worth more than the lives of my brother, mother and daughter. I am crying as I write this and cried many times after speaking with their ultra disrespectful customer reps. Please help me so that all this torment leads to the removal of that negative information. I am buying a house and I look irresponsible by being late.  Macy AMEX never d id show proof that it arrived late but just kept saying that they absolutely would not remove derogatory no matter how many died or the fact that I never paid late in 10 years. The customer representation at this company is inefficient and inhumane
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 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 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 XXXX 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: Vehicle loan or lease

XXXX XXXX XXXX lied to me about the used vehicle they sold me. They sold me a lemon and told me it was a perfectly good car that had to pass multiple state test before being sold. My car completely broke and was not drivable shortly after the first payment! The oil damaged my apartment parking lot and when I brought it to their attention they only offered me things they knew I could not afford. I made the purchase back in XXXX and am barely finding out that the voluntary repo I was forced to do is affecting my credit real bad. And now I'm stuck with an XXXX balance that I can not afford. My life has gone down the drain due to losing my car and not being able to make my money. I'm barely finding out I can submit a complaint with this agency, which is why it's tooken so long to reach out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this message because it is very important for me. I hope we find mutual understanding and you will remove and recheck wrong items in my credit report. I would like officially to complain about that fake account and inquires in my credit report. I am victim of identity theft an recently my information was stolen a=so please remove these fake inquires and account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XX/XX/XXXX. It was discharged in XX/XX/XXXX. XXXX XXXX is reporting delinquency in XX/XX/XXXX of more than 180 days. I have notified the mortgage company and all three credit reporting agencies and none will correct it.
Product: Checking or savings account

Yes back on XXXX XXXX my friend sent me a XXXX payment and without warning citibank closed my account and told me I would get a check with my money I have had in there so I waited its been a month and a half now and still says my account is open they haven't closed it yet and I can't touch my money in there or nothing I have XXXX in my account that's my money I have tried my best to work this out with them but they always give me the run around or tell me someone will contact me which that phone call never comes can someone please help me from here I have no idea what to do next I just want my money out of my account thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX promissory note validates account paid in full before XX/XX/2017 XXXX XXXX  XXXX  day late is impossible, though XXXX, XXXX, Transunion misreport ). Documents validate account never late. Documents show account CLOSED in XXXX not XX/XX/2017 ; therefore, account could not be possibly closed in XXXX. XXXX, XXXX, Transunion continue to inaccurately report for several years.