23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX from JPL Recovery Solutions has been harassing my friends and family members, even immediately after I called and spoke to them. They have no reason to talk to any of these people, unless it's to get my whereabouts, and since I am in contact with them, this is nothing but harassment of them and me. 

I told XXXX, I regret this situation. I acknowledge my obligation. Im committed to repaying you in full, and as quickly as is possible. My financial situation is difficult and unclear at this point. I will be back in touch with you in two weeks to discuss a repayment schedule. 

XXXX would not accept this and kept harassing me on the phone. When we hung up he immediately called a friend of mine, woke her up, and harassed her to " Get information on XXXX. '' In addition, they have attempted to contact the mother of this friend ( whom I have never met ) to talk about this delinquent loan as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX/ DEPT OF ED & they told me I've never missed a payment, yet Experian and XXXX refuses to remove me from being listed as late on 8/19-10/19 on the accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experian and XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update the late dates from these accounts : XXXX XXXX XXXX XXXX XXXX AL XXXX, XXXXDOFED XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}
Product: Credit card

My complaint is specific to Comenity Bank - Bread Financial : When attempting to pay a store card that is managed by this entity, it is exceedingly difficult to simply log into the account to do so. Each time, an error message stating, " The contact information you entered doesn't match our records... '' appears, despite all of the information being correct. Upon requesting a reset of the password as a workaround, the same message appears with instructions to call Customer Care. After calling customer care, a representative will advise they are sending a link, via email, to allow you to log in. After asking why a link is needed, the representative states the site ( which is physically listed on the credit card ) is not working, but the link will work. 
This exact situation occurred in different years ( XXXX & XXXX ) for different cards ( one for women 's lingerie store and the other for a sporting goods chain ). 
One might argue a payment could be made via the site without logging in ( XXXX XXXX ), however, this method does not allow the consumer to view charges and activity. In addition, the information regarding current charges is not accurate. I made a large purchase yesterday and today the credit line indicates I have used none. This is misleading to the consumer and could lead to overage on the card for those who are not careful. 

Having learned my lesson with this company, I will be cancelling this card effective immediately ( XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

I am submitting to request several remaining credit inquiries that were unauthorized to be removed from my credit report again. I received a copy of my credit report and became aware of three inquiries that I did not authorize. They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. In keeping with the Fair Credit Reporting Act, I am asking that my request will be proceeded immediately and any and all unauthorized inquiries removed from my credit report.
Product: Credit card or prepaid card

Hi, I opened a BestBuy/Citi card in XX/XX/2019 to purchase an XXXX  at BestBuy. I had cash and the guy talked me into this Citi card. I was told I could make cash payments and Citi would credit my XXXX account first. I had 6 months to pay off the XXXX or interest charges would apply. 

I paid off the account in full before the XXXX due date and Citi XXXX  me around, XXXX  me around, XXXX me around. denied all reality ( just like the president! ) XXXX  me around and made up a XXXX late fee ... they reversed and sent me an email saying so. I've asked them to close my account multiple times and now they want to charge me interest on the late fee they invented two   months ago and reversed. I made a payment when some bully XXXX customer service person insisted my payment be applied to the previous month ... the conversation became so nonsensical I felt XXXX. I mean it, XXXX is the right word for these XXXX. 

I want this account closed. I owe NO late fee and they are making up pure XXXX. This account is paid in full. In XXXX I owed a balance of {$170.00}. for work on my car. I transferred that full balance to XXXX   XXXX  so I would be completely DONE with the XXXX known as Citi ... but they won't close my account, re-invented the late fee after crediting my account properly, and demanding payment like it's legit. It's NOT legit. 

Honestly, Citi repeatedly makes it intentionally difficult to make payments, have those payments credited properly, and I don't have the time or energy to mess with them any more. They will hurt my credit and hurt me financially, like the pandemic hasn't done enough ... in XXXX my credit score was XXXX, now it's XXXX. XXXX the big banks for making life a nightmare for regular people. I'm not paying this made up late fee, extra interest and fees. I hate Citi and just want this account closed. I can not believe they're not doing this to thousands of people. 
XXXX XXXX
Product: Vehicle loan or lease

To whom it may concern, This regards XXXX and Ally Financial, XXXX payments were made through my XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX to my loan with Ally financial electronically payed and have receipts from XXXX to prove that Ally did receive monies. 

On XXXX 2024 of amount {$420.00} On XXXX 2024 of amount {$200.00} Both payments were not shown and balance not reflected as such. 
Now in collection status. 

Thank you XXXX XXXX XXXX
Product: Debt collection

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX Md, XXXX ] [ XXXX ] [ XXXX ] Date XXXX XXXX  [ XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX CA XXXX XXXX ] Subject : Dispute of Credit Report Entry Dear Sir/Madam , I am writing to formally dispute an item on my credit report that I believe to be inaccurate or incomplete. Please consider this letter as my official request to investigate the matter as per the Fair Credit Reporting Act ( FCRA ). 

The specific entry I am disputing is as follows : Account Name : [ Resurgent/LVNV ] Account Number : [ XXXX ] Disputed Amount or Issue : [ My account has been reported to a debt buyer without my approval and the amount is {$620.00} ] I believe this information is inaccurate because [ I believe the entry is incorrect because Law 15 USC 1692c which states, if a consumer notifies a debt collector that the consumer refuses to pay a debt. The debt collector must cease all communications. But I have been getting harassed daily from the debt collector and I would like for this collection be removed from my account ]. I have attached supporting documentation to assist in your investigation. The documents include [ I have email receipts and pictures being constantly harassed. ]. 
I request that this information be thoroughly reviewed and, if found to be inaccurate, corrected or removed from my credit report. Please notify me in writing of the results of your investigation, as well as any actions taken regarding this dispute. 
Thank you for your prompt attention to this matter. If you need any further information or documentation, please do not hesitate to contact me at [ XXXX ] or [ XXXX ]. 
Sincerely, [ XXXX XXXX
Product: Credit card

I was notified of a hard inquiry to my credit. Upon looking, I saw an inquiry from Capitol One, an institution I have no banking, lending, or credit relationships with. I froze my credit and placed fraud notices on it as well. I contacted Capitol One applications, where representatives named XXXX and XXXX informed me that an application for a XXXX XXXX card had been made in my name. They flagged it as fraud and said they would terminate the application. I requested a copy of the application and confirmation in writing of our conversation and the closing of the account, which they declined to provide.
Product: Credit reporting or other personal consumer reports

I send letter to Transunion with my ID to correct my address and this has not been done, my address that appears in the report is incorrect, my current and correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I include a copy of my ID and my pay stub that reflects my current address
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this letter in attempt to REMOVE some erroneous and incorrect items from my credit report, before I seek remedy. First of all, I would like to mention Public Policy HJR of 1933 a.k.a Public Law 73-10 which suspended the GOLD Standard and exempted US citizens from paying debts, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I DEMAND these be removed IMMEDIATELY. Also according to 18 USC 1028A if I did NOT give TRANUNION, XXXX, and XXXX, written consent to furnish this information, that would indeed be identity theft.Pursuant to 15 U.S.C. 1692k any debt collector that fails to comply with any provision of this sub chapter with respect to ANY person is liable to DAMAGES. that I am I have listed the accounts above, and I DEMAND each and EVERY ACCOUNT AFOREMENTIONED ABOVE BE REMOVED IMMEDIATELY.
Product: Mortgage

I applied for a loan modification but was denied. Previously I applied for a modification with the same everything except for I was farther behind and it was approved. I declined due to receiving assistance with the arrearages. Why would it be denied this time when it was approved previously.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution procr was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Keep getting repeated robot calls from this company, Convergent, all hours of day and night. The problem is that I am not XXXX?? and do not have any bad debt.. My FICO score is XXXX and no bad credit on my file for over 30 years. The calls keep asking for a XXXX?? ( can not spell the last name ). I have called them and asked them to remove my name from call list as there is no XXXX?? at this number. They promise to do so, but calls continue. Latest call was this morning at XXXX XXXX. The number that called was from XXXX, but called ID states it is from Convergent. I have also gone to their web site and filled out the form to stop the calls, but they continue this harassment. Wish the CFPB could help me.
Product: Credit reporting or other personal consumer reports

XXXX and Jefferson Capital is in violation of 15 usc 6801-Protection of Nonpublic Personal Information financial institutions have a duty to insure the security and confidentiality of customer records, protect against threats of security, and to protect against use of such records or information which could result in substantial harm or any inconvenience to the customer. Each Financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' Nonpublic Personal Information. According to 15 USC 6802-Obligations with respect to disclosure of personal information ; a financial institution may not directly or through any affiliate, disclose to a non-affiliated third party any Nonpublic Personal Information unless such financial institution provides to the consumer a notice that complies with 15 USC 6803 . In general a financial instition may not disclose Nonpublic Personal information to a non-affiliated third party unless such financial institution clearly and conspicuously discloses to the consumer in writing, in electronic form, or other form permitted by 15 USC 6804, the consumer is given the opportunity, before the time thay such information is initially disclosed, to direct that such information not be disclosed to such third party, and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. According to 16 CFR 313.4 financial institutions must provide a clear and conspicuous notice that accurately reflects privacy polices and practices to a consumer before you disclose any non public personal information about the consumer to non-affiliated third party. 16 CFR 313.7 states financial institions must provide a clear and conspicuous notice to each consumer that accurately explains the right to opt out. The notice must state that you disclose or reserve the right to disclose Nonpublic Personal information about the consumer to a non-affiliated third party ; that the consumer has a right to opt out of that disclosure and a reasonable means by which the consumer may exercise the opt out right. A complaint will be filed wi the consumer financial protection bureau which is the authority who enforces 15 USC 6801-6805. The Privacy Act of 1974 prohibits the disclosure of a record about and individual from a system.of records absent the written consent of the individual. XXXX and Jefferson Capital are hereby orders to compensate me in the amount of {$25000.00} each for violations of my privacy rights and use and transfer of my Nonpublic Personal Information without my written and express consent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I had applied for a loan modification on my second mortgage. SLS had approved me but the surprise was that the bank asked for a XXXX down payment which I didnt have. I am hoping that the OCC can help me save my home and work out something with my lender.
Product: Credit reporting or other personal consumer reports

I have filed dispute over inaccurate personal information listed on my credit report. I have waited over 30 days and tried to give XXXX, XXXX and Equifax a chance to resolve this issue pursuant to 15 USC 1681s-2-b ( ii ). I filed a re-investigation, and still no lawful response XXXX, XXXX and Equifax has chosen to violate and ignore the statues of the Fair Credit Reporting Act.
Product: Debt collection

I have a workers compensation case that I haven't had to pay any medical bills for in the last year except I keep getting harassed by XXXX XXXX XXXX and emergency for bills I have tried to resolve from the very beginning XX/XX/XXXX is when i used their services. They have sent the bill to several creditors to collect on their behalf. the most recent letter dated XX/XX/XXXX which i have 30 days to resolve. since, I have called them in the past to give my claim number and my representative 's contact info, yet the continue to harass me. my human resources rep at my work has tried to contact the debt collector they will not speak to her, they also insist that the insurance company call THEM to verify the validity of my claim, without looking into it. today ( XX/XX/XXXX ), when I call trying to resolve it, they ask for all my personal info, but wont use it to resolve the issue. They person I spoke to from the agency even told me they'd hang up, even though they're harassing ME for over a year now. they say they have tried to contact XXXX XXXX ( my rep at XXXX -- the insurance company handling my bills ) she says she has not evidence they ever did.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Balance {$7100.00XXXX XXXX XXXX XXXX  {$430.00} Original creditor XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$4600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to finance a car so I have 4 recent inquiries, I downloaded my XXXX report and its showing multiple inquiries that I dont recognize. Some are car inquiries from before my car purchase, the car I had before the one I just bought was bought cash so those inquiries werent mine. Theres also some inquiries from what seems to be credit card for different stores. 
XXXX/XXXX XXXX on XX/XX/XXXX XXXX/XXXX on XX/XX/XXXX Jpmcb auto on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Jpmcb Auto XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX
Product: Debt collection

This is for a medical emergency and follow up at XXXX XXXX. Veterans Administration has paid with me owing only about {$1800.00} (? ). I like to receive payment history from VA and XXXX XXXX. Where does {$8300.00} come from? Did VA pay XXXX XXXX said amount?
Product: Mortgage

Sometime last year, my loan servicing was transferred over to PHH Mortgage. Almost instantly, I started to receive a barrage of emails, and postal letters, and even phone calls trying to upsell me and sending unsolicited requests to try to refinance my house. When i say a barrage, I mean EVERYDAY I would receive a new message in postal mail, and several times a week I would get emails about home mortgage refinancing ... home equity loans... literally anything and everything you likely never wanted to do with your mortgage. It was unending. To the point that I finally reached out to PHH and requested they stop. I got an email saying they would. The torrent subsided slightly... but only slightly. I can not get off their mailing list. I can not seem to get it through their heads to not call me on the phone to try to sell me on some XXXX  mortgage product. They seem to survive by harassing their own customers. I just want to be left alone.