23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XXXX/XXXX/22 i have sent letters to all three bureaus stating the company who is contacting me for money i have no knowledge on who they are nor owe them any money. I also sent letters out on XX/XX/22. The attachment below is the most recent letter that i am sending out.
Product: Debt collection

I have an account with Freedom Debt as a consolation debt. I have been paying on it for years. They sent me an email telling me to increase my amount and it would be paid off sooner so I called for the payoff amount and sold my XXXX and sent the money in XXXX. I have called, emailed, and chatted with about 20 different people to find out why it has not been closed yet and they are still taking out money of my account twice monthly since I paid them the remainder of my payoff. Now I get an email after I sent them one asking why this has not been resolved after I have been told every time I get in touch with them that it would be taken care of that week! Now this email is telling me I owe them another {$260.00} dollars. Talk to them this morning and they told me it was one of my debtors asking for full payment, it is funny because this creditors did not settle and asked for full amount when they tried to settle with them but now they say the creditor was full amount, I was paying them full amount so why more money! Plus they are taking money out of my account monthly, which at first they said I would get back when closed but now they are saying it is for monthly fees, I feel I am being punished for trying to pay off early but the email they sent me back in XXXX never said anything about being punished for trying to close this matter. 
Thanks in advance for your help in this matter, XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX there was a transfer threw chime for {$1900.00} to the wrong recipient the money was sent to a account that no longer exists I informed chime I was told to rech out to the party or recipient that receive funds but how wen the account is closed
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account XXXX : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 4. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 5. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 6. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 8. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 9. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights..Please remove XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX
Product: Debt collection

This morning I had a XXXX collector call me and I was explains the the situation on how I 'm trying to find away to pay the debt I owe. He then was being very judgemental and rude and disrecptuful. He first said I had 7 years to pay this off I should have paid it then, I told him he has no right to tell me what I should have done in the past 7 years I stated I had a lot of things happen in the past 7 years to me. He kept saying it over and over I told him I need to go I have a sick child to attend ( my son was XXXX ) and he just kept badgering me on the phone until I hung up on him. I then called to report him to a supervisor and that person was then badgering me that I should have paid small amounts and I would n't have to deal with this. He did n't seem to care how rude is employee was, pretty much told me well he 's doing a job and the info we have In front of us, and that I have been telling them I 'm trying to borrow money to pay them since 2014 so they are tired of me saying that, That i should have made any payments so then I would n't have to deal with them. I told him I 'm tired of going. Back and forth he is not listening and he has no right to lecture and disprect me. I just hung up on him.
Product: Debt collection

This company did a soft credit pull on my report without my knowledge or consent. This notice is to inform you that Amsher Collections are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 51028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I have sent the same letter to company without a response
Product: Credit reporting or other personal consumer reports

Date : XXXX Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EQUIFAX, XXXX, XXXX, XXXX I, XXXX XXXX XXXX XXXX, recently received a copy of my credit reports, I noticed a lot of unauthorized credit inquiries on each report that I did not give any consent to run my credit profile. Please be advised that by law no inquiry can be placed on my credit without my authorization. I need these following inquiries to be removed immediately from my credit report. 
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 ).

EQUIFAX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also be advised that the Fair Credit Reporting Act states that any information that is maintained on an individual 's ( XXXX XXXX XXXX XXXX ) credit report must be accurate. This includes unauthorized inquiries. Please send me an updated copy of my credit reports after these unauthorized inquiries has been removed.
Product: Credit card

On XX/XX/year>, two unauthorized purchases were made on my Citi Best Buy card ending XXXX at the XXXX, IL Best Buy location. 

The first purchase was for {$3800.00}, and the second purchase was for {$2600.00}. Both were made within hours of each other. 

Upon my discovery, I filed a complaint about both purchases and received a letter as of XX/XX/year>XXXX  that they received my fraud claim. On XXXX XXXX, I received a letter that outlines the following : Here 's what you need to know Our decision was based, in part, on the following : You received benefit from the disputed charges made on this account. 
We've conducted our investigation using the information that you provided about the dispute. With the information we had, it wasn't enough to support your claim and resolve the dispute in your favor. 
As a result, we have re-billed your account and consider our investigation complete.
Product: Mortgage

i have been dealing with Chase modification department for over 5 years. Have been assigned numerous Customer Assistance Specialists and also various supervisors to help resolve issues that have needed assistance. All documentation required had been sent to them over these 5 yrs with no resolution. This has continued with no resolution after 5 long years of frustration. I can not begin to count how many times we have completed all these loan packets that have been sent. Over these last years we have supplied every document chase requested. We keep all this documentation back up. Every time they assign us a new assistant we go thru this same process with no resolve. Please help us get this finally resolved.
Product: Credit reporting or other personal consumer reports

There is a debt on my Experian credit report stating that I owed XXXX XXXX insurance money for insurance coverage. I provided proof to Experian that I had insurance with XXXX XXXX insurance during the time that XXXX XXXX said that I owed for insurance. And since you can't hold 2 insurance policies on the same vehicle at the same time the charge was incorrect and unauthorized. Since then Experian added 3 prior months onto the report. One month says ND or no data and the prior two months shows in collection. But those two months were paid in full and the one with ND or no data was the month that I cancelled and started with XXXX XXXX. They have fraudulently added these after I proved that I had insurance at the time they said that I should have had it with XXXX XXXX. It is a debt bought by a collection agency in XXXX Massachusetts that I also provided them the proof that the charges were fraudulent. And they denied the fact also. This is a scam to get money out of me that I don't owe. Companies like this should be prosecuted for such crimes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for months to log into my XXXX XXXX  XXXX account through Equifax. I have been put on long holds, told by their customer service dept that the issue would be corrected, lied to over and over again. I have a log in but can not access the credit monitoring that I signed up for due to the security breach. In addition, Equifax is blocking me from accessing my credit file online. This is my second complaint through CFPB and to date nothing has been corrected. What is the point of having CFPB if you're not going to investigate the issue.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning Capital One 's inability to process my direct deposit from my employer, as well as other incoming deposits. Capital One has indicated that this issue is due to technical difficulties, which may potentially be in violation of the Electronic Funds Transfer Act ( EFTA ), as it mandates timely access to funds. I am concerned about the implications for consumer protection laws, and I kindly ask for your assistance in investigating this matter to ensure that my rights are upheld. Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has re-added late payments to my credit report. I contacted equifax about this last year via a dispute, the CFPB, and XXXX. I submitted pages upon pages of documents showing that my student loans were never late. Equifax updated my report and removed these false late payments. But, now they have re-added them to my report fraudulently.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$23000.00} ; DEPT OF ED/XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to send my Credit report and scores in regards to my mortgage application.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th complaint against XXXX. XXXX got paid for my student loan on XX/XX/2020. Still XXXX is NOT reporting the XX/XX/2020 payment and correct balance information to XXXX, Equifax and XXXX, as of this date of this complaint. I have talked over XXXX students and the essence is this XXXX 's patented pattern of fraud related to " Chronic Payment Misplacement ''. There are lawsuits by CFPB and attorney generals ( AGs ) of many states for XXXX " Chronic Payment Misplacement ''. I have sued XXXX  XXXX, Equifax and XXXX  in the Federal Court in the Central District of California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Case No. XXXX on XX/XX/2020 and STILL XXXX, XXXX, Equifax and XXXX  are engaged in same old thing. 

Cc. California Attorney General Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit report ran, and found out that I had a medical collection that was derogatory on my report. I thought my health insurance had paid for this charge. I contacted the collection agency Alpine Credit , Inc. in Colorado, and I paid the {$64.00} charge. I asked them to please remove this charge from my credit report, and they would not. This is effecting my ability to get a home loan, which is extremely frustrating for me, when I did not even know about the collection. The supervisor XXXX was extremely rude, and would do nothing to help me.
Product: Student loan

First they have not honored the post graduation deferrment of 6 months. My daughter graduated on XX/XX/. Her deferrment should have lasted to XX/XX/. However they showed on their website that her first payments were due on XXXX. We went ahead and paid on XX/XX/. On XX/XX/, they are showing as delinquent. The amount delinquent does not correspond to any specific loan. Their system makes no sense at all, and the information is never correct on the website! The company is NELNET. Also you can never get anyone on the phone, I have been left on hold multiple times for over 3 hours!
Product: Student loan

On XX/XX/2021, I requested a manual review of my " ineligible payments '' for qualification for the Public Service Loan Forgiveness program. I was told that the review can take up to one year. Through this request, I submitted a cover letter, a table that included all ineligible payments in question, and proof of payment that spans different servicers, with the payments in question all highlighted. 

On XX/XX/2021, I submitted a complaint via the FedLoan Servicing Ombudsman with all supporting documents and information and I was told that I would get a response within 15 business days. After 15 business days, I was informed by the Ombudsman that FedLoan has 30 days to respond. FedLoan responded after 30 days and once again told me that my manual review was ongoing and that it may take up to one year. However, I asked them about the pending termination of their federal contract and how that would effect my review and they were unable to give me an answer. I also asked them that after the transfer of my loans to yet another servicer would this mean that I will need to start another manual review with the same supporting documentation and they were unable to give me an answer. 

Since the FedLoan federal contract terminates on XX/XX/2021, FedLoan will be initiating a process to transfer my loans to another servicer handling the Public Service Loan Forgiveness program. However, given the inability to provide me with answers regarding the effects of this transfer on my ongoing manual review, I asked FedLoan if they can expedite this review and they were unable to grant me this request. Therefore, I am filing a complaint to try to expedite the manual review with supporting documents.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice an account that was not reporting accurately. I had XXXX late payments on a account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. I've attached a copy of my report to this complaint of the following dates ( XX/XX/2022 and XX/XX/2022 ) I'm now request you investigate and provide verifiable proof with record showing that I had late payments. If this information can not be verified I demand these payment be updated to paid on time immediately. Thank you for your understanding and prompt action.