23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am getting 50 calls a day to attempt to collect a debt
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX WITH A BALANCE OF {$27000.00} WAS INACCURATE REPORT ON MY CREDIT REPORT. 
XXXX XXXX TOLD ME THEY DONT HAVE THIS ACCOUNT UNDER MY NAME AND PAYMENTS HISTORY INCORRECT THAT I SHOULD CONTACT THE CREDIT BUREAUS FOR DELETION. 
DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT BY LAW.
Product: Credit card or prepaid card

I have been a customer of Capital One for 4 years. I have never been late, I have never been over the credit limit. Most of my payments were in full. This summer I would like to purchase a used vehicle in cash, so I decided to pay less on my credit cards and keep more cash. 
On XX/XX/2023, all 3 of my accounts were restricted without warning. They claim that the " fraud department '' needs me to submit 3 recent bank statements to confirm my identity. 
This does not make sense, and there is no reason to do so. Is this because I'm not paying my balance in full anymore? Is this because it took several tries for me to obtain a cash advance since customer service kept giving poor instructions on how to do so each time I called? When I called the " fraud department '' on XX/XX/2023, the rep was very evasive. 
Since I didn't receive any response to my letter, I called the " fraud department '' to follow up today XX/XX/2023. I spoke with the 1st rep who acknowledged the letter, and then was transferred to her manager who claimed that she didn't see any letters. Then this same manager hung up on me! She informed me that I was be recorded, ( which is perfectly fine and expected ), and I told her I was recording her as well. She stated I couldn't record her and hung up on me. I would like for the recording of this conversation to be part of this investigation. 
Since my tendency has always been to use the credit cards for daily use to avoid my debit number from being overly exposed, I now have the burden of figuring out what auto-bills I need to change over to different account numbers. 
I'm attaching the letter, a snapshot of my accounts, a snapshot of my XXXX XXXX profile showing that I have a 100 % on time payment history on ALL credit terms with ALL credit companies, and proof of the letter I sent that the manager denied receiving.
Product: Money transfer, virtual currency, or money service

My Zelle was deactivated without my consent. No explanation was provided. Money was transferred without my consent via XXXX XXXX XXXX XXXX. XXXX XXXX has since closed my account without my consent. I had contacted Zelle and Zelle could not provide an explanation as to why my account was disabled.
Product: Credit reporting or other personal consumer reports

Company or Organization : XX/XX/XXXXXXXX Account Number : XXXX Date fraud began : XX/XX//2025 Date that I discovered it : Total fraudulent amount : {$500.00} Credit Card Opened by the Thief Company or Organization : XX/XX/XXXXAccount Number : XXXX Date fraud began : XXXX/2025 Date that I discovered it : Total fraudulent amount : {$1200.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$5000.00} Fraudulent Information on Credit Reports Other Identity Theft Company or Organization :XX/XX/XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$20000.00}
Product: Credit card or prepaid card

I received a call from XXXX ( XXXX ) XXXX XXXX. A lady asked if I hear her well an I said yes. Immediately after my answer, a message started claiming that Chase credit card has been trying to reach me regarding my account several times. I hang up and called the number back but a man answered me with hello only. I asked why I received a call from that number he hung up immediately. And then they called me at XXXX XXXX  after that. 
Please investigate that. number. 
Please know that I don't have any business accounts with Chase not so ever. I never opened or tried to open an account with Chase in any form. I don't have a Chase credit card, nor a Chase debit card. 

Thank you
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I did not authorize these inquiries on my credit report please remove them from my credit immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

XXXX XXXX, XXXX am currently paying my student loans under financial duress. I am paying {$950.00} per month in student loans to Navient XXXX formerly XXXX XXXX XXXX. This is not affordable and unsustainable in my situation. 

I reached out to Navient to discuss lowering my monthly payment to an amount I can afford. The only options given are worse than my current situation. They offered interest only payments for 24 months of {$590.00}, after which my payment would increase to more than my original payment amount. Which begs the question of why would my payment increase if I am paying the interest? The other option is to extend my repayment period from 12 to 27 years! This would lower my monthly payment to {$640.00} monthly but also increase the total amount I will pay over the life of the loan significantly. All of these options seem predatory. 

My loans make up the majority of my monthly expenses and take up the majority of my pay check. I am unable to afford a place on my own and have been reduced to finding a room on XXXX. I have had the same vehicle for 7 years because I can not afford a better used XXXX. I live as cheaply as I can and still manage to barely get by. I lost my girlfriend of 6 years in part because I could not afford to propose to her. I have joked that XXXX because my father, who was gainfully employed before the recession, cosigned my loans. My father is now physically XXXX and not working. My father would be forced to pay my loans XXXX. I am working diligently to increase my income to pay off these loans as soon as possible. However, presently a permanent reduction in my payment that is applied to the principal and interest of my private loans without extending my payment terms would be of massive help. 


Kindly, Financially Strained
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX. XXXX and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

According to XXXX XXXX. XXXX, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX XX/XX/year> In accordance with XXXX U.S.C. XXXX, I request that you immediately block this fraudulent information from my credit report. This information must remain blocked for XXXX year, after which I may request an extension of the block. During this period, you are not allowed to report these accounts on my credit history. 

I have contacted the credit bureau multiple times regarding these fraudulent accounts on my report, but they have failed to provide a solution. This situation is severely affecting my ability to acquire a new home for my children. These accounts were removed and not verified by other credit bureaus, so I do not understand why they still remain on my report. 

I have formally requested contracts containing the information that supposedly belongs to me, but more than 60 days have passed without receiving any response. I ask for your assistance in immediately deleting these fraudulent accounts. 

I have attached the FTC report ( REPORT NUMBER : XXXX ) in the hope that you will make a fair decision regarding my case. I appreciate your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

asked for recall for the wire transfer since XX/XX/ and still waiting for it.
Product: Vehicle loan or lease

I was told buy the company I had a warranty to fix the car it was the crankshaft needed fix they never fixed the car it stayed at the mechanic shop for three months because they said they was not going to fix it I asked for my money back for the warranty and they refused they even refused to remove the gap insurance fees and are still charging me the same amount of the car the day I took it off the lot minus XXXX dollars and I have the car for two years they sold it at a private auction even though I asked for it in writing for it to be public and they have not even told me any documents or paperwork on the amount it was sold for why am I still paying the same price the day I got the car?
Product: Debt collection

Genesis Credit sent me a bill stating that I owe them {$170.00}, that information is false. I called to inform the company that it was reported to the credit beaura and it is affecting my credit report. I do not owe any money to this company. This was all reported by XXXX to Genesis.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 


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
Product: Mortgage

When I filed a complaint against this company before, the company responded only to fix one of my concerns. 
I can not pay my mortgage at a branch or online without paying a fee which is stealing money from me. 
The company keeps saying false statements in their letter. I have proof that payments were returned which screwed up the payment process and my payment history. I was threatened with foreclosure even though my payments were current. They were told by their own attorneys that it could not happen. 
I have not been treated with respect as a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fcra these inaccurate negative accounts must be removed from my credit report asap incorrect names and addresses my correct name is XXXX XXXX XXXX XXXX my correct address is 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
Product: Debt collection

On XX/XX/year> we contacted Jefferson capital debt collector to resolve this. We paid {$370.00} to XXXX company  for payment. The company said, if this is not removed, we will charge you {$90.00} a month to dispute our information until it's removed. After 3 months, I continued to contact asking why it had not been reported to original creditor as paid or to the credit bureaus. The company then said, " We never received the payment, so you need to pay us {$370.00}. '' I showed proof of payment through bank, company continued to deny this. 
On XX/XX/XXXX, Jefferson capital refunded {$370.00} to our account even though the said they never received payment. After that, Jefferson Capital sent a letter stating that they were no longer going after this collection. All this was my wife 's situation that she fought Jefferson Capital about. 
Two months later Jefferson Capital changed the amount and attached it to my account, I was never on her account. 
My wife and I have attempted numerous times to prove to them that they are Fraudulently going after me but all the representatives do is hang up on us, refuse to put a Supervisor on. 
We are not the only ones being affected by this Fraudulent company. 
If you read the reviews on them, you will see this company, Jefferson Capital is doing this to a lot more people. 
This company needs to be investigated and the people they are trying to go after should have ALL DEBTS REMOVED FROM THE CREDIT BUREAUS. THEY ARE DESTROYING PEOPLE 'S LIVES AND TAKING THEIR MONEY.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting a higher balance and utilization wrong since XX/XX/XXXX saying I owe {$1000.00}, however a payment in the amount of {$800.00} was posted on XXXX XXXX and another payment in the amount {$25.00} posted on XX/XX/XXXX with a remaining balance of {$180.00}.
Product: Mortgage

This past year with the covid problems my mortgage company offered deferment due to loss of income. This fall, approx 6 months ago, I began contacting them to try and rectify the issue and resume payments. Every time I spoke with them they would always say " everything is going to be ok '' " don't worry '' and " fill out this application for loan modification ''. I did everything they asked. I contacted them numerous times and often got no where. Eventually this week I got a letter from them saying they denied any assistance and I owe {$19000.00} that is due immediately. I called them again and got 2 new and different reasons I was denied. The first one was " you were not current when the deferment began '' which is not true and NO ONE ever told me this during this past year. The second was said after I protested the not current statement was " your debt to income ratio is way off ''. I asked numerous times what my options are and how long do I have before any foreclosure proceedings would begin. NO answer. Just repeating. I believe and probably many others have found themselves in this situation. I believe they are negligent in the way this was handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of first delinquency for this debt is listed as the XXXX of XX/XX/2014, and as such it has passed the six year statute of limitations in Colorado for leasing/rental debt. As such, this debt is no longer collectible in court. 

Furthermore I have been in contact with XXXX XXXX over the last few weeks in an attempt to collect this debt, and they have been unable to recover any records to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX ; XXXX XXXX XXXXXX/XX/2022.
Product: Student loan

Dear Mohela, I am writing to formally dispute an incorrect late payment that appears on my credit report. Upon reviewing my report, I noticed that a late payment was reported for XXXX and XXXX. I believe this information is inaccurate and request that it be corrected or removed as soon as possible. 

I kindly ask that you investigate this matter thoroughly. If you find that the late payment was reported in error, please update your records and notify the credit bureaus of the correction. Additionally, I would appreciate receiving written confirmation once this issue has been resolved. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. Please consider this letter my formal request for an investigation and resolution of this issue. 

If you require any further information or documentation, please do not hesitate to contact me at XXXX. I look forward to your prompt response. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports, I have identified some information that were not authorized. I'm a victim of Identity theft and this information is not mine.
Product: Credit reporting or other personal consumer reports

These items have been hurting my score significantly and I need them removed asap. These negatives items are stopping me from getting a house for my family. It's been far too long and nobody has helped me yet. Please get all of these items removed.
Product: Credit card or prepaid card

I was denied credit by Amex in XXXX, XXXX which is unlawful pursuant to XXXX XXXX XXXX To the extent that a creditor considers credit history in evaluating the creditworthiness of similarly qualified applicants for a similar type and amount of credit, in evaluating an applicant 's creditworthiness a creditor shall consider The Equal Credit Opportunity Act ( ECOA ) was signed into law in XXXX and prohibits lending discrimination in all aspects of a credit transaction.
Product: Vehicle loan or lease

I was denied for a motorcycle loan by the bank name- Sheffield Financial XXXXdivison of XXXX XXXX  based upon my immigration status. 

I'm on XXXX XXXX  XXXX  and I need to get my visa renewed every 3 years until I receive my GreenCard which is set by USCIS. 

Sheffield Financial denied the loan application with me having XXXX credit score and zero late payment or any other issues with my financial status but just because of my immigration status! 
I have the call recorded with the bank accepting the denial reason. I can present as needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity documents where stolen from vehicle and a police report was filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ha s disabled the ir online dispute system and provided a phone number to call in its place that is only for ordering a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to a previous case I opened at the consumer financial protection bureau that is now closed the creditor XXXX collection services account number XXXX has mailed me a letter stating they will remove the account from all national credit reporting agencies. This has not taken place on my Experian credit report. I demand this be corrected as this account does not belong on my credit report as it was fraud and has been promised to be removed by the original creditor who is XXXX who than sold to XXXX collection and is reporting incorrectly negative on my experian credit report as it should not show at all because i was told it will be deleted. This misleading fraudulent delinquent account needs to be removed. I demand you update this information and reflect it correctly on my credit report as it should not show at all since this account was fraud and does not belong to me I demand you delete I it immediately.
Product: Checking or savings account

Bank of America allowed XXXX XXXX XXXX in unauthorized withdrawals from what appears to be fraudulent electronic withdrawals to major corporations. I need assurance that all theses funds will be returned immediately so I can pay my bills. 
They should not have bankers hours for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX Credit usage 100 % Balance {$1200.00} Balance updated XX/XX/XXXX Credit limit {$800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1700.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX