23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For the last few years I have attempted to pay this debt and get more information. The debt amount is always different each time I call. The manager refuses to send me more information on this increasing amount of debt on my credit report. I made my last attempt to take care of these items on my credit report from the same debt collector. On XXXX/XXXX/XXXX at XXXX : I called and asked to speak to a manager. XXXX claimed to be the manager. I asked her for more information on this money that I owe of XXXX or XXXX. XXXX quoted " XXXX, '' and stated that she could not give me information. She stated I owed XXXX+ dollars and not the XXXX, XXXX dollar charges on my experian credit report. I told her that I want to take care of this but I ca n't pay XXXX dollars to Commercial Trade Bureau if I do n't know what its for! She told me she recalled me calling before and the answer is still the same that she ca n't give me any information on the account. She is rude and unprofessional when I asked for her last name she hung up on me! I got no information. I have been disputing this for the few years and it 's still on my credit report. The information is conflicting with the XXXX credit bureau, the commercial trade and what I have. This is suppose to fall off XXXX XXXX but now XXXX is stating that it was pushed back to XXXX XXXX. I ca n't get any information from the original holder at the clinic. XXXX mocked me and stated that she does n't care that " it will just stay on my credit report '' I have no Idea why I owe XXXX dollars to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX when I became disable and stop working to XXXX XXXX card DID transfer money from my other credit card to a fake XXXX XXXX account! 
In XXXX I notified the credit card companies that XXXX  has set up a fake account and is taking money from my accounts with them< I canceled all my accounts with the one that kept sending money to XXXX fake account! 
There have been several class action lawsuits again XXXX for this and other violation of the laws! 
XXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX took me to XXXX XXXX, XXXX XXXX  The case was XXXX XXXX 

CITI Bank took me to the XXXX, XXXX XXXX XXXX dismissed due to the above proof of XXXX card past actions!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX inaccuracies and unauthorized inquiries on my credit file from the same company that I have reached out and they confirmed I have no accounts with them but they continue to furnish untrue information on my credit file
Product: Credit reporting or other personal consumer reports

Im in shock after finding inaccurate accounts on my credit report today. Ive always been diligent about checking it, and now, out of the blue, these errors have appeared. I tried refreshing the page, praying it was a browser glitch, but nothing changed. The inaccuracies remained. Im begging for the documents I sent to be carefully reviewed so this nightmare can finally end.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian Lawsuit.

I was definitenly impacted by Experian. Hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''.

But i don't see any details about your investigation.

A fine will be applied soon if proper investigation is'nXXXX applied too. 

Please provide details to investigation or delete accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this issue with the debt collector because this is not my account. I have been a victim of idenity theif. I have asked that several times to investigate this item. The item listed below is the account that is not mines : THE BUREAUS # XXXX**** XX/XX/2017 {$500.00}
Product: Debt collection

On XX/XX/XXXX a collections account was added to my consumer report by a collections company by the name of Zion Debt Holdings in the amount of {$1900.00}. The claim this account is an OPEN account that was opened on XX/XX/XXXX. I personally have NO knowledge of this debt nor of this collections account. On XX/XX/XXXX, I called Zions Debt Holdings and requested a validation of debt, as was told I was NOT able to get one and that she would not send me anything and she then disconnected the call.
Product: Money transfer, virtual currency, or money service

Using the virtual money transfer process It was not explained to me how the process works when used. If I make a mistake and send money to the wrong person how would I be able to correct my error. 
On several occasions, I dont have the exact dates on which these issues occurred BOA would mot be helpful in resolving the issue of reversal exchange.
Product: Credit card

Overview of Citibank Credit Card Experience : Balance Transfer Issue Recently, I encountered an unsatisfactory experience with Citibank regarding a series of balance transfer offers. Despite making a timely payment to pay off a large balance transfer offer that was due on XX/XX/year>, Citibank incorrectly applied the payment to a different balance transfer offer with a higher interest rate. XXXX correctly applying it to the offer that was at 0 percent. 

Upon inquiring about this error, Citibank informed me that I should have waited until the following month ( XX/XX/XXXX ) to make the payment. However, if I had waited until XX/XX/XXXX, Citibank would have charged me an entire month 's worth of interest on the balance transfer offer due on XX/XX/XXXX, which went from zero percent to 19.94 percent! 

As a result of Citibank 's incorrect payment allocation, I was penalized with interest charges for the month of XXXX. When I questioned the bank about the appropriate time to pay off a balance transfer offer when it comes due, they provided no clear guidance. 

This issue raises concerns about Citibank 's unclear policies and the potential for customers to be misled into incurring unnecessary interest charges. It is frustrating that Citibank 's actions appear to be a deliberate attempt to maximize their interest revenue at the expense of their customers. 

I am highly dissatisfied with the way this situation has been handled and the lack of transparency from Citibank. I urge the bank to address this issue and provide customers with clear and accurate information regarding balance transfer payments to avoid similar problems in the future.
Product: Credit reporting or other personal consumer reports

The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

According to the Fair Credit Reporting Act 15 USC 1681 Sec 602 - " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. 
I have the right to make sure my private information isn't shared which is backed by 15USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the customers nonpublic personal information. DEPARTMENT OF EDUCATION /AIDVANTAGE is a financial institution under that title. 15 USC 1681 section 604 a section 2 states that " in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. DEPARTMENT OF EDUCATION /AIDVANTAGE the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
Any and all consent to XXXX, XXXX, DEPARTMENT OF EDUCATION /AIDVANTAGE whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise the non-disclosure option. DEPARTMENT OF EDUCATION XXXXAIDVANTAGE. never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states " except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information. 
Any other adverse item of this information, other than records convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 US Code 1681s-2 ( A ) ( 1 ) States " a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 15US Code 1681 states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title '' XXXX and XXXX are not maintaining reasonable procedures. Also, 12CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of an unauthorized account on my credit report and to request its immediate removal based on my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable laws.

Recently, I became aware of a fraudulent account listed on my credit report that I did not authorize, open, or consent to in any form. This account was the result of a scam wherein I was deceitfully manipulated into releasing personal and sensitive information under false pretenses. The perpetrators of this scam used my information to open an account in my name without my knowledge or approval, leading to a significant and unwarranted financial liability reported on my credit report. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), particularly sections 1681i ( Procedures in case of disputed accuracy ) and 1681s-2 ( Responsibilities of furnishers of information to consumer reporting agencies ), I have the right to dispute inaccurate or fraudulent information in my credit file and to demand an investigation into these discrepancies. 

Additionally, the FCRA grants me the right to : Request the credit reporting agencies to block reporting information related to identity theft ( 15 U.S.C. 1681c-2 ).

Have any inaccurate or fraudulent information corrected or removed from my credit report within 30 days of my dispute ( 15 U.S.C. 1681i ). 
Place a fraud alert on my credit report to prevent further identity theft or fraud ( 15 U.S.C. 1681c-1 ). 
I assert that I am a victim of fraud and identity theft, as defined by the FCRA, and I have taken the following steps in accordance with the law : Placed a fraud alert on my credit files with all major credit bureaus. 
Reported the fraud to the Federal Trade Commission ( FTC ) and obtained an Identity Theft Report. 
Filed a report with my local law enforcement agency. 
Enclosed with this letter are copies of the FTC Identity Theft Report, the police report, and documentation highlighting the fraudulent account on my credit report for your review and action. 

Given the circumstances and in accordance with the FCRA, I request a thorough investigation into this matter, the removal of the fraudulent account from my credit report, and confirmation that this correction has been made. Please ensure that this account and any associated inquiries or collections are permanently deleted, reflecting the true state of my credit history without the impact of this fraudulent activity. 

I appreciate your prompt attention to this serious issue and look forward to your response confirming the resolution of my dispute within the mandated 30-day period as required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan for a vehicle that i have never had along with an address that i have never resided in.The amount for the vehicle was around {$18000.00} and the amount that it says is delinquent is around {$9800.00} The lender is Global lending
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting me 120 days late on the XXXX - partial account # XXXX. This account has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days late on an account that has {$0.00} balance and {$0.00} past due.
Product: Credit reporting or other personal consumer reports

They are reported the spelling of my name along with old addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

A certified letter was sent to Amsher Collection Services on XXXX XXXX United States Postal Services display " delivered '' from a company representative on XXXX at XXXX pm ; Tracking # XXXX ) displaying their Violations of Fair Credit Reporting Acts. Amsher Collection Services has ignored the complaint, failed to respond and failed to delete the company 's fraudulent reporting to XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX ( XXXX ) CC : Federal Trade Commission ( FTC ) CC : XXXX, XXXX, Transunion Dear XXXX FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit card

Discover perjured themselves before the Bureau - perhaps knowing they could get away with this by simply bribing the right people in the government - by lying in writing that a credit report was pulled or was going to be pulled for a credit limit decision- when I was literally told on the phone while applying that not even a soft pull would be done. Discover may try to destroy bank records by destroying audio recording of that phone call, because they need to cover up why bank supervisors are spreading disinformation, but I made a decision to make a request based on disinformation given to me deliberately by the bank. Furthermore, because Im just a XXXX  XXXX, they refused to even contact me ( like they would have a white person ) regarding the original complaint here or even attempt to explain to the Bureau why they were intentionally spreading disinformation to customers on whether a credit report soft pull was being done.
Product: Debt collection

Upon checking my credit report a account by the name XXXX XXXX is reporting on my credit report that I do not own I have never had a account with company and never gave this company permission to report on my credit report.

15 USC 1681 c ( 2 ) A consumer reporting agency shall block the reporting of any information in the file that the consumer identifies as information that resulted in an alleged identity theft not later than 4 business days after the date of receipt. It has been passed that and you are in violation of this law because I am a victim of identity theft.

This account should not be furnished on my consumer report as they are in violation under 15 USC 1681 b permissible purpose of consumer reports ( a ) in general subject subsection ( c ) 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with WRITTEN CONSENT to report anything on my consumer report which violates my rights as a protected consumer. And I never gave any collection agency or consumer reporting agency consent.

15 USC 1681 section 604 ( a ) 2 It also states a consumer reporting agency can not furnish a account without my written instructions. 

PLEASE DELETE IMMEDIATELY!!!!!
Product: Vehicle loan or lease

JP Morgan Chase, N.A. on XX/XX/XXXX sent a letter of extortion for a loan that has already been paid off. I have since sent them the letter below and have not heard a response. However, they are still trying to repossess a truck that has already been paid for. See letter below : JP Morgan Chase N.A. 
XXXX XXXX XXXX XXXX Floor New York New York XXXX XXXX Attention : Chief Accountable Public Officer Via Fax : XXXX RE : Notice of Billing Error per 15 USC 1666 To the Honorable Chief Accountable Public Officer, Greetings : Trustee/Attorney is aware under provisions set forth at 31 USC 5118 ( d ) ( 2 ) as of XX/XX/XXXX there is no legal tender only notes. Notes can not contain a gold clause, as evidenced by your demand for tender of Payment a specific specie of United States money or currency. Said claim is in violation of 31 USC 5118, the text of which shall be recognized by JP Morgan Chase N.A. as legal evidence of the laws of the United States general and permanent in nature set forth, and evidences JP Morgan Chase N.A.s violation of the Act of State doctrine and extortion. Trustee/Attorney believes that all statements received from JP Morgan Chase N.A within the last sixty ( 60 ) days with regard to your attempts to collect a debt ; contain the following billing errors : 1. Statements reflect an extension of credit which was not made to the obligor by JP Morgan Chase N.A ( 15 USC 1666 ( b ) ( 1 ) ).

2. Statements fail to reflect credit issued to obligor by signature and delivery of Unconditional Promissory Note, charged to Trusts accepted Treasury credit card by JP Morgan Chase N.A in substitution thereof per 15 USC 1642.

3. Statements fail to reflect proper payment made to JP Morgan Chase N.A by obligors financial institution ( 15 USC 1666 ( b ) ( 4 ) ).

This notice is based upon the attached documentary evidence.

Trustee/Attorney requests following documentary evidence to support JP Morgan Chase N.As claims that You extended credit to obligor, and that any presumed assignment of future payment rights to JP Morgan Chase N.A under any power of attorney, whether express or implied is not void.

It Is So Ordered. It Is So Ordered. It Is So Ordered.

/s/, Trustee By : __________________________, Attorney/Heir In fidelity.

Date Signed : __________________ ************************************************************************************************************************ DELIVERY VERIFICATION In the presence of myself and the Father, who sent me ; hereby verify that on : _______________ We, as nobody deliver via First Class United States Mail, personal service, and, or electronic service, the foregoing documents to the Church in Philadelphia in accord with the Fathers Will at : Acts 5 : 29 and Revelations 3:7-13 AKJV 1611 ; for execution by His Angel : Addressees : JP Morgan Chase N.A . 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I contacted my current lender to refinance my current mortgage, to free up room on my line of credit, with a cash out 15 year loan. 
Throughout the process I made it clear that I wanted to keep the HELOC ( 2nd ) and pay it off. This {$200000.00} line of credit is very important as I am a XXXX XXXX and need to expand. 
At the signing of closing documents we noticed a form to terminate the HELOC. We declined to sign and we immediately called our mortgage broker who stated just to decline signing the form. We did not sign the form and wrote 'declined ' as instructed. 
One week after closing we find that the lender requested termination of our HELOC. They stated it was their error but that there was nothing they could do to correct it and our timeframe for the right to cancel had expired. 
We went up the chain of command but was told nothing could be done to correct the error. 
We are now without any line of credit We feel they completed this loan process fraudulently.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inquiries that are reported on my credit report that I never gave consent to. These is a violation of my rights to privacy.
Product: Debt collection

they started contacting me last week about a debt some company owes XXXX. I advised them that i was not that company and tat they should stop calling and e mailing me immediately. yet they continue to call a number that is on the do not call list and continue to e mail me after i have repeatedly advised them via e mail and when they call me that i am not the person they are looking for they told me quote we will haunt you till this is paid and we don't care what you say or do we will not stop calling you .... They have also been threatening my credit score and my access to credit. since i have near perfect credit this is most distressing. I am over XXXX and XXXX and worked very hard to ensure i have great credit. to have a company like Access Receivables Management threaten to destroy me and my credit is very distressing. the account number they are calling and e mailing about is XXXX Access Receivables Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX