23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by phone on XX/XX/2021, repeatedly from phone number XXXX. They left several messages in reference to a " debt owed and this was an attempt to collect a debt. '' I called the number back and the agent had my correct birth date, and talked about an address on " XXXX XXXX XXXX, in XXXX XXXX, CA. '' He was talking so fast, I could not write down the entire address. I was really surprised to be contacted on my cellphone as well. 

I am the victim of prior identity theft, and this must be another event with that happening again. The agent demanded more personal information from me, obviously which I refused because this seemed like a total scam with the unprofessional manner with which they were acting. 

Not only was this not me, I have never even been to XXXX XXXX, in my life. When I mentioned fraud, the agent started yelling at me in a non stop tirade that I could not decipher, I kept asking for a manager or supervisor, and he was angry that I was interrupting his tirade of non-information. I feel like the call itself was some sort of scam. I have no current alerts to any activity on my credit report. I was trying to get the name and contact information of the caller, but he would not let me talk. I followed up this harassing phone call with a call to update my ID theft case with my local police department and I'm waiting on further instruction from them on how to proceed with this new incident. 

I called back a second and third time to hear the company name at XXXX and XXXX XXXX  and talked to another agent who refused to give me his name, but gave me their address and main contact number.
Product: Debt collection

AmeriDebt continues to call at all hours although I'm on DO NOT Call. When I block them they change their number. I'm elderly & can't easily get to the phone. These people ( " XXXX '' ) are ruthless.
Product: Credit reporting, credit repair services, or other personal consumer reports

CarMax reported two late payments on my credit report for a co-signed loan with my son. Reported dates of delinquency were for the months of XXXX and XXXX of 2017. I have contacted CarMax by phone several times, without resolution. I have challenged the items several times with XXXX, XXXX and XXXX. I provided hard copy proof that additional payments had been made that were misapplied as " principal only '' payments which would have covered the dates involved ahead of time. One additional payment was made in XXXX of 2017 and the other in XX/XX/2017 which is when we were first alerted by CarMax that there was a report of late payment. had the XXXX payment been properly credited, the account would have been ahead of due date for any months following, and would not have been reported 30 days late. Had the additional payments made in XXXX been properly applied to whole payments, the account would have been rectified and further bolstered before going into 60, let alone 30 days reporting erroneously overdue. They made no attempt to correct any of this. If you can help it would be greatly appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized inquiry on my Trans Union credit report from XXXX XXXXXXXX. I have attempted to have this corrected with both Trans Union and XXXX XXXX to no avail. Trans Union continues to send me letters informing me that inquiries remain for two years instead of deleting the unauthorized inquiry. XXXX XXXX is not responding to requests to delete the inquiry. 

According to the Fair Credit Reporting Act, erroneous or incorrect information can not remain on a person 's credit report, including unauthorized inquiries. 

The inquiry needs to be removed immediately
Product: Credit reporting or other personal consumer reports

I have never had any contract with XXXX XXXX  I have never had a contract with XXXX XXXX XXXX also I have never been associated with this company. I have never Received a signed contract of any agreement or contract signed by me. All credit bureaus have allowed this inaccurate information be added to my report and did not conduct an investigation per my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. 

I demand this be updated to paid as agreed on all XXXX credit reporting agencies.
Product: Credit card or prepaid card

On X/XX/17 when attempting to retrieve our American Express online statement and apply our rewards balance, the on line site stated that our account was locked, but we still would be able to use our card. A pop up came on the screen to contact them at XXXX which we did and they said we needed to reset our pin. We followed these procedures although we had no reason or explanation why it was necessary. We went back on the XXXX site and it said the account was still locked. We entered into in a lengthy chat session during which the person said that the number we called was to reset the pin and had nothing to do with the lock of the on line system. After repeated tries to get the person to understand that we did n't just randomly make up this phone number and that it was the number that popped up on their website when the locked message occurred, I gave up and said I would report it to the FCC ( confused it with FTC ). At this point, he wanted to get a supervisor involved, but I declined. I researched and found the CFPB is the correct agency ( I think! ). I logged back on and got on a new chat to ask if the CFPB was the right agency. After the initial person and supervisor REFUSED THREE TIMES to CONFIRM that the CFPB was the correct agency, I got off the chat. In my opinion, this is a more egregious issue than the initial issue. We now called back to the original number again and the person unlocked the account. Still have no idea why it was locked, but this whole sequence of blunders by XXXX started with the original person not unlocking the account. Their chat support people gave numerous other reasons all which proved false. However, the most serious issue was their refusal to three direct questions as to the appropriate governmental agency to contact.
Product: Student loan

I am just overwhelmed in paying on this loan. The more I pay, the balance increases. I have paid almost {$3000.00} on this {$6000.00} private student loan, and would like to make a lump sum payment, but afraid this payment will end up floating in the air and not making a dent in the principal balance. AES will not negotiate a payoff and are being hard nosed as usual. Paying {$12000.00} to pay off this loan is a rip off and needs to be investigated. My experience with AES is that of a predator lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC  violations XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  all us dept of education XXXX XXXX If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 
In the settlement agreement reached with the FTC, the University XXXX XXXX will pay {$190.00} XXXX, of which {$140.00} XXXX will be used to forgive some student loans for certain borrowers who attended the university. 
These claims will be paid out of a {$1.00} XXXX Settlement Fund established by XXXX to pay all claims, attorneys ' fees and costs, class alks between the big student debt collector and the government broke down after President Trump 's victory. Now XXXX is making its case ... 
XXXX has said allegations in the various lawsuits are unfounded. ... In XXXX, the Justice Department settled with XXXX, which paid nearly XXXX service members {$60.00} XXXX in compensation for having charged excess interest on their student loans.XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a signed contract nor any contract with SYNCB/AMAZON nor SYNB dated XX/XX/19 and XX/XX/19. I have never done business with this company to pull my credit report. I am not liable for the inquiries for Amazon nor XXXX XXXX XXXX   XXXX. I am not responsible for these credit pulls. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. 

A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letter with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureausend. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXInquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and inappropriately withheld the knowledge of this from the public for an unacceptable amount of time. The executives reportedly made stock changes prior to the release of info and now the CEO has exited and likely with a golden parachute that allows him to not lose any money. 

I have no choice but to allow this agency to have my most protected information. It was their duty to ensure it 's safety. Now I can get a free credit freeze from them but need to pay every time I want to release it if I am utilizing credit. I 'm a young adult who plans to utilize credit and should be able to without a {$10.00} fee let  alone any fee to release this " free '' freeze. The current model means they have actually generated business for their company. Sickening. More upsetting is that my credit is n't even the only area that may be compromised now. People may have my identity to make fraudulent insurance claims, etc. Where does it stop??? XXXX has a great interview about the scope of this issue and it should concern anyone who has the ability to hold this company accountable. Those in charge have a responsibility to the victims of this data breach and to change the industry going forward. 

This company has to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I never gave permission to that company to check my XXXX XXXX, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Debt collection

There is a Rash Curtis and Associates account on my credit report that should not be there. Between XXXX and XXXX I disputed this account with the credit bureaus and with Rash Curtis and Associates directly. It was just discovered after a phone call on XX/XX/XXXX that the company is reporting this on my credit report with NO proper validation. Both the supervisor and the manager admitted to having no itemization with my name on it. The supervisor also admitted that they have no documents with my signature on it. Even further, there is no documentation showing there was insurance coverage from me. Despite all this, the operations manager declined to delete this account because of " California community property laws ''. That is simply an excuse to continue reporting a debt that is not valid. So not only has this company falsely verified this account with the credit bureaus, they have done so while also admitting they have nothing stating that I am responsible for this debt. Rash Curtis and Associates is engaging in illegal collection practices and causing great damage to my credit in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I found an account that was not authorized by me that's significantly impacting my credit score. This is an error or a result of malpractice.
Product: Debt collection

This complaint is being filed as a second complaint against a debt collector called Medical Data Systems regarding an additional account they furnished to my credit reports. I want a response from the company regarding my notice of debt validation which will be attached to this complaint. This company is reporting to my consumer reports alleged medical debt that was recently banned.
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, you are obligated to delete any erroneous accounts from my credit report. Can you review the attached documents? Some accounts have incorrect reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed a letter to each of the three bureaus XXXX, XXXX and Experian. They have failed to provide me with the investigation outcome. I have requested that they PLEASE PROVIDE WHO they TALKED TO VALIDATION THE INFORMATIOIN, AND THE TIME AND DATE. THE INACCURATE INFORMATION THEY HAVE REPORT TO MY CONSUMER REPORT HAVE CAUSE ME STRESS AND TIME FORM MY JOB.
Product: Credit card or prepaid card

I overpaid XXXX XXXX XXXX {$4500.00} by making duplicate payments on my credit card balance in XX/XX/XXXX and I'm having difficulty getting my money back from them. On XX/XX/XXXX, per my statements, Capital One supposedly issued me a credit balance refund in the above amount. I was very patient but after never receiving the check several weeks later, I called customer service. They reviewed my account and confirmed the check had not been cashed. They told me another check would be issued and mailed to me at my confirmed mailing address. I waited 2 more weeks and called back on XX/XX/XXXX. I was told it took them 15 working days (!!! ) to send me the reissued check. When I pressed them as to whether they had actually mailed it, I was told I should have it in my mail by Monday XX/XX/XXXX. It did not arrive and still has not arrived. Each time I call them it takes 30 minutes of my valuable time. I want to close my account and not do business with them, but I'm afraid to until I get my refund..
Product: Credit card or prepaid card

Dispute : case ID | XXXX XX/XX/2022, I received some genuine info and true facts from one supervisor at Citibank dispute department XXXX The supervisor was genuine and honest and gave me the true correct info. 

On XX/XX/XXXX I asked XXXX to withdraw the complaint, he did not. On XX/XX/2022, I spoke with the supervisor named XXXX at XXXX pm who confirmed the dispute was withdrawn on XX/XX/XXXX by XXXX. XXXX lied to me to cover XXXX 's back and went ahead and withdrew the dispute behind the scenes. XXXX said that on XX/XX/XXXX which is the same day the merchant apparently sent paperwork to Citibank. Another XXXX  supervisor from XX/XX/XXXX told me I already lost the dispute on XX/XX/XXXX because according to this XXXX supervisor Citibank received paperwork from the merchant on XX/XX/XXXX when I apparently lost the dispute. I have been recently informed that the merchant never sent any communication to Citibank at all regarding that dispute. All these supervisors from XX/XX/XXXX have given me misleading information and have put fake misleading notes in my account under this dispute transaction of {$150.00}. 

I would like to know why this happened. Why did XXXX not withdraw the complaint on XX/XX/XXXX? Why did XXXX XXXX to me and withdraw the complaint behind the scenes? Why did XXXX lie that on XX/XX/XXXX Citi received paperwork from the merchant when the truth is the merchant never sent any paperwork to Citi. Why did the other male supervisor lie to me that I lost the dispute on XX/XX/XXXX because the merchant sent paperwork to Citi on XX/XX/XXXX, when the fact is the merchant never sent any paperwork to Citi. WHY SO MANY LIES AND MISLEADING INFO FROM CITIBANK DISPUTE DEPARTMENT ON XX/XX/XXXX?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6000.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$410.00}.
Product: Debt collection

XX/XX/year> Subject :

Formal Complaint Against Debt Collection Agency for Violations of Consumer Protection Laws and GAAP Dear CFPB, I am writing to file a formal complaint against the following debt collection agency Jefferson Capital System LLC for their improper debt collection practices and violation of my consumer rights under various laws and regulations. Jefferson Capital System LLC Address : XXXX XXXX XXXX XXXX, XXXX, MN XXXX Debt amount listed on consumer report : {$1800.00} Date Opened : XX/XX/year> I have received a communication from Jefferson Capital System LLC regarding an alleged debt. I believe this debt is not mine and the collection agencies have failed to follow appropriate legal and accounting standards in attempting to collect it. Specifically, I contend the following : Lack of Verification and Validation : The collection agency has not provided a copy of the original contract or agreement bearing my wet signature. I request the purchase order agreement from the original creditor. Under 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to verification of the debt, including the name and address of the original creditor and documentation of the debt 's legitimacy. 

Violation of GAAP : The collection agency has not provided any verifiable financial information that adheres to Generally Accepted Accounting Principles ( GAAP ). Without proper documentation, their claims are not substantiated and fail to meet ethical accounting standards. 

Right to Face My Accuser : I am entitled to face my accuser. The debt collector has not provided any evidence that I was informed of the debt being sold, nor was I present during any related transactions. This lack of transparency violates my rights and raises serious concerns about the legitimacy of the debt. 

Unauthorized Reporting : The collection agency has no authority to furnish this alleged account to any consumer reporting agency without proper verification. The false reporting of this debt constitutes defamation of character. 

12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to provide specific information regarding the debt, including the name and address of the original creditor.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation mandates that debt collectors provide a detailed statement of the debt, including documentation that supports their claim.

Provision of Documentation : Provision of the original contract or agreement bearing my wet signature. If such documentation can not be provided, the debt claim should be considered invalid.
Product: Credit card or prepaid card

See attached letter. Just received the cards, confusing and misleading advertising, thus appears to be fraudulent, thus we cut cards in half and returning to Commerce bank as we received cards today, XXXX. 

We do not want to do business with this entity and will not be a part of this, and do not agree to the disclosures and advised to cancel account forthwith.