23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have been in and out of hospitals and rehabilitation facilities for the past XXXX  years due to a severe auto accident. After reviewing a recent copy of my credit report, I have discovered that someone has used my credit identity without my permission.
Product: Student loan

My original direct student loan was consolidated almost 20 years ago, and I was under the impression it was federally-backed, however it technically became a commercial loan. Because of this, it automatically disqualifies me from receiving student loan relief, even though I received XXXX grants and my low income is within the qualifying limits. I was never given any notification about the XX/XX/2022 deadline to consolidate my FFEL loan to a direct loan, and therefore, could not take the necessary steps that the Biden administration required. It has been 20 years since I graduated college, and have barely been able to put a dent in my student loan balance. I am a mother of XXXX children, in a low-income household. How can I, as a taxpayer, be granted some kind of leniency, or something, anything to help with my student loan?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/21 to XXXX, XXXX, and LexisNexis to remove erroneous accounts and bankruptcies that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX, XXXX, and LexisNexis are XXXX to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Today XX/XX/2022 I was contacted via text from XXXX XXXX XXXX. They said they were reaching out in regards to a collection with no information about the collection with a reference number, and then provided a different number to call regarding the collection that phone number is XXXX XXXX. Theyre referring to the reference number of XXXX. 
I have no knowledge of this collection reference number or account they are referring too. They also provide a website at fncbinc.com. At this time I believe this is a fraud collector, and would like to report this organization. They also misspelled my name.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The person who stole my identity is XXXX XXXX and she goes by other aliases. https : XXXX XXXX XXXX XXXX XXXX best friend / roommate / business partner stole my information before she moved out to live with this woman. They drained my bank account over $ XXXX. XXXX gave me a credit then reversed it and has refused to help me recover the funds. This woman also opened credit cards in my name. After everything was disputed I closed the account. XXXX month later chase reversed the debt and wants me to pay over XXXX. The debt is now on my credit as XXXX, XXXX, XXXX, XXXX, and over 120 days late. I have called many times to dispute, they are no help. I submitted a dispute form. XXXX lost it. I submitted another dispute form and it magically disappeared again ( my guess was XXXX wanted to buy time to charge me interest and make my account more late ) I again for the third time submitted another dispute form and chase lost it again! An electronic dispute form. They informed me I needed to go in person to the bank even though I explained I was living on a mountain not near any banks. One month later I was able to go into a bank in person to submit a paper dispute form with the help of a teller. XXXX LOST THIS DISPUTE FORM. I had a picture and the employees name and they refused to accept it and insisted I needed to go in person to submit another paper dispute form. I go in person to submit my 5th dispute form over the course of several months. XXXX lost it again. When I finally submitted my 6th dispute form in person they rejected my dispute without reason. I requested for them to reopen the case and they refused and said I needed to pay the debt and they could not help me recover the funds. I provided my police report also ( the police refused to help because identity theft is a nonviolent crime ) I requested proof the debt was me and an itemized list of debt per section XXXX over the phone on two different occasions and XXXX refused to provide me the information and says they are not bound by section XXXX. I am trying to find a lawyer I dont know how to fight this big corporation to get my money back- I feel so helpless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with experian, XXXX, and XXXX  several times with concrete evidence of Inaccuracies. I was not able to get any answers on how my disputes were investigated. I'm seeking CFFB to ask the 3 CRA 's to remove the negative info. The balance, original lender, new lender and the late payments were not correct. The house was sold and payoff without any late payments or FS. Also the original creditor XXXX is not in good standing and therefore not legal to do business in Maryland. 
Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

there 's a few reasons that I am making a complaint and I want a full investigation into these issues and inaccuracies. I know that when I dispute with the bureaus and creditors, they are required to put the required notice of dispute pursuant to section 623 within 30 days. This was n't done and section 623 states that the accounts can not report without this. These accounts must be deleted.

On top of this, I 've disputed these accounts with the CRA 's and have clearly listed each of the inaccuracies that I 've encountered and nothing was corrected! How can this be when I 've pointed these items out? I know that I have rights under the FCRA and these items must be corrected or they must be deleted pursuant to section 1681 so why are they still on my credit report?!

Here are a few examples : XXXX is reporting different open dates than the other 2 bureaus XXXX is reporting a monthly payment on a charged-off account There 's no original amounts on certain accounts and I notified them of this and it was n't corrected There 's different or missing limts on XXXX on all 3 bureaus Equifax and TransUnion is reporting the XXXX accounts are currently 120 days late instead of transferred and I can not be 120 days late on transferred accounts and all accounts that are transferred must be reported as such I 'm attaching my identification, my most recent disputes and my credit report to prove these things.
Product: Vehicle loan or lease

I was using XXXX to make a claim. XXXX XXXX XXXX change the terms of the loan without me agrreing to, changed from 66 months term to 75 months term. Here is what I was claiming in my last message to them : Im adding information regarding this scam. 

The information below about Security Interest and Grace Period its written on the front page of the Sales Contract.

Security Interest : 1 - A security interest on a loan is a legal claim on collateral that the borrower provides that allows the lender to repossess the collateral and sell it if the loan goes bad.

2 - A security interest lowers the risk for a lender, allowing it to charge lower interest on the loan.

3- Lower interest means that the borrowers cost of capital will also be reduced.

Note : I did not receive the benefit of a reduced interest rate. On the contrary, I was overcharged an abusive interest rate of 27.13 % when the current auto loan interest rate at the moment was around 8.5 %.

Late Charge : If a payment is not received in full within 10 days after it is due you will pay a late charge of 5 % of the unpaid installment. In other words, this is a Grace period. 5 % of the installment is : {$520.00} monthly payment by 5 % = {$26.00} XX/XX/year> Summary of Charges : Unpaid fees : {$310.00} Other Fees : XXXX XX/XX/year> final payment of {$8600.00} I need to pay this additional amount to complete the payoff of the loan after paying 68 months. The sales price of the vehicle was {$17000.00}. Why it's that after 68 months I still owe {$8600.00}? 

This means that after paying the Signed Contract agreement of 66 months loan with a Finance Charge of {$16000.00} and an Amount Finance of {$17000.00} totaling a Sales agreement of {$34000.00} and now having a REMAINING BALANCE OF {$8600.00} the TOTAL SALES PRICE WILL BE {$43000.00} with a NEW CHANGED LOAN TERM OF 75 MONTHS I did not agreed or consulted about it. 

I did not sign, was consulted about this change and/or asked if I agree to such change about the loan term.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY THE REPORTING OF ANYI UNDERSTAND THAT NO ENTITY IS AUTHORIZED TO RETAIN REPORT TRANSFER SELL USE OR ELSEWISE ANY PHYSICALLY UNCONFIRMED DATA AND IVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.IT CANT BE PROVEN IVE EVER RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED POSSIBILITIES OF MISREPORTING OR MISINFORMATION. PLEASE PHYSICALLY CERTIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, BALANCES, CALCULATIONS, AUDITS, AND EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY
Product: Debt collection

Today XX/XX/2019 I received yet another call at work from summit receivables. He did not identify himself by name. Asked for me and then proceeded to list my date of birth and to tell me that I owed them money, when I told him I was not allowed to receive calls at work and that if it continued I would report them to the state attorney general and the CFPB AGAIN since I have not received anything in writing regarding this alleged debt, he laughed and told me to go ahead because maam you dont understand that were coming after you I submitted a previous complaint on XX/XX/2019 and you have yet to receive a response from this company
Product: Debt collection

XXXX XXXX XXXX have just disregarded my consumer complaints and have did nothing to correct the situation. I sent a letter requesting that they, Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with Title 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Please attach a copy of any signed agreement alleged debtor/ Plaintiff has made with debt collector, or other verifiable proof that debtor/ Plaintiff has a contractual obligation to pay debt collector. 
2. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
3. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules A complete payment history documented from original creditor. This requirement was established by the case XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. 
4. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 
5. Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 
6. Provide verification from the stated creditor that you are authorized to act for them. 
Disputing the Debt, I 've also file complaints with XXXX and XXXX XXXX but they have also decided that, they are not reinvesting these complaints.
Product: Debt collection

So I am FEMA and I only borrow five and {$50.00} but now its for XXXX because in four weeks I wanted to pay back but at that time they were rushing him up all my blitzing me like a football player and then they would rush me and then hang up and rushing out call back four times where they would call the top of me and I said heres the money to take it yes it is is it is it letting it and then many times I mean I had told him I even more than that Im and I said you go ahead and take the money and then we were not its not my fault they dont wan na pay ask it clears alone and I dont wan na be in that is your fault he been harassing her back and theres three times harassing you dont you dont you want no money that Im sorry I will keep an issue they probably is every two days until Ill give up because they were just literally I think theyre related to XXXX XXXX of extended stay over in XXXX hurry up XXXX because I dont even understand I thought the cash I took the visa I tell you she wont even excepted after that I tell you I think it was the same way I would know I thought I was I was looking I say why would you be here this week is such a scam I did not wan na waste the money aside for doing hair is her pain it was supposed you know how to boost the on-time payments or was it was it going to be on time and by then why is it when I knew she was going as you feel like no you cant pay me you cant pay me like you know what kind of person like you can touch that you can touch it but asking for my money at the same time that she sent me to collections to classes right now because I was supposed only pay for and 15 hours double almost imagine thats illegal that is illegal in a few months CDC too so thats against the interferes with federal law and management so please and you dont write her up because I think they should close down I think its going to run anywhere XXXX this is like the worst where situation where I mean they dont look to be out when youre XXXX you know that XXXX after we try to pay you dont even get to trust them because its constantly and Ill like basically Slappy back as you like a ping-pong ball or or just like on an alligator alliances one
Product: Checking or savings account

I went online to download 7 years of transactions, following a message from Chase, describing how to download such transactions. However the list showing the download availability shows only up through XXXX, and 7 years would include XXXX.
Product: Debt collection

Subject : Formal Dispute and Complaint to the Consumer Financial Protection Bureau ( CFPB ) [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/2024 Consumer Financial Protection Bureau Consumer Response XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Iowa XXXX [ XX/XX/2024 ] To Whom It May Concern, I am writing to file a formal dispute and complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding violations of federal regulations, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S 2 ( 7 ) ( A ), by [ Jefferson Capital System LLC and Transunion ].

The following details outline the violations and discrepancies : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : [ Collection Agency has not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) but yet they place a collection on your consumer report on XX/XX/2024. ] Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : [ You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Collection agency is violating your Consumer right by using false misleadin, misrepresentation and deceptive means on XX/XX/2024 ] Violation of 12 CFR 1006.34 ( d ) : [ Collection authority agency has no authority to furnish any account to a Consumer reporting agencies without providing any and all disclosures requirede by law and they are in clear violation of 12 CFR1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) date they posted XX/XX/2024. ] Violation of 15 USC 1681-S 2 ( 7 ) ( A ) : [ Collection authority agency has no authority to furnish any account to a Consumer reporting agencies without providing any and all disclosures requirede by law and they are in clear violation. ] I have made previous attempts to resolve these issues directly with [ Jefferson Capital Sysrtem LLC or XXXX ], but these efforts have been unsuccessful. Enclosed with this letter are copies of all relevant documents supporting my claim, including correspondence with [ Jefferson Capital Systems LLC credit reports, and any other pertinent information.

I am requesting that the CFPB conduct a thorough investigation into these matters and take appropriate action to ensure compliance with federal regulations. Additionally, I request that the CFPB provide me with updates on the status of this investigation and any actions taken. 

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

Sincerely, [ XXXX XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute with Experian about XXXX XXXX XXXX a 3rd party collection agency for landlords and it has turned into months and they still have not resolved the issue, I believe it is because it is a conflict of interest because Experian connect does background checks for landlords. On the other hand I gave XXXX the same information and they were right on it and removed it from my credit report.
Product: Credit card

I ( XXXX XXXX XXXX ) tried to close my Delta Gold American Express b/c of the annual fee of {$95.00}. I stopped using the card. I called nearly half a dozen times to request closure. Amexp kept giving me the run around, trying to keep my acct open. Finally a male supervisor in XXXX said he would reverse the {$95.00} and call me to follow up within 72 hours. That was XX/XX/XXXX or XX/XX/XXXX. Never happened. 

I called again on XX/XX/XXXX, and spoke to XXXX. XXXX opened an XXXX complaint to Corporate to remove annual fee. XXXX # XXXX. This is what she told me she wrote : XXXX basic card member called on XX/XX/XXXX to cancel her card product. XXXX was outside 30d window. supervisor based in XXXX would remove annual fee and call in 72hr to confirm No call was placed and annual fee was not removed. Due to that effect it caused a late fee and finance fee. XXXX paid balance in full minus the {$95.00} based on what the supervisor told her. 

It is now XX/XX/XXXX, and Amex seems to have turned my card to collections. 

My husband XXXX XXXX is going through the exact same thing!! We tried to close his account b/c of the fee. He stopped using the card months ago. Amex tries to talk him into keeping the acct. He asks for a downgrade to a free card. None available. Amex claims that they ca n't reverse the annual fee for XX/XX/XXXX even though we have n't used the account since the fee was assessed. Moreover, we stopped using the account months before the fee was assessed. 

AMEX does this every single time. We have never experienced this with any other bank. Then Amex tries to charge late fees and interest charges based on the annual fee alone!!!!! This is unconscionable.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXXXXXX XXXX XXXX  AGENCY : XXXX XXXX XXXX  bUSINESS TYPE : BANK CREDIT CARDS DATE OF INQUIRIY : XX/XX/2020 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Credit reporting or other personal consumer reports

CREDIT REPORT DISPUTE LETTER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX To Whom It May Concern : I am writing this letter to Dispute certain information that is falsely listed on the credit report listed above.The inaccurate information that appears on my credit report is as follows : XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX Opened : XXXX, XXXX, XXXX Amount : {$1000.00} Account Type : Education Direct Loans XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Amount : {$2000.00} Account Type : Education Direct Loans XXXX XXXX XXXX, IOWA XXXX, IA, XXXX