23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Checked credit and saw an account from JPMorgan Chase in the amount of $ XXXX. I couldnt get any help with payment deferment or discharged due to undue hardship. I was a homeless vagrant for a few years with no job. Im currently living in between my mom and a shelter. Im also back in school as a XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that XXXX XXXX XXXX  be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX In acgesdance with the fair credit Resort 995 act XXXX  Account XXXX XXXX XXXX, has violated ny rights. Find related content Search 15 USC 1681 Section 602 States I have the right to privacy.

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

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragra the term " consumer report '' does not include + any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 789 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please remove this account immediately
Product: Credit card or prepaid card

XXXX, 2017 XXXX Transaction Details Description- Capital One Payment Transaction Date- X/XX/2017 Posted Date- X/XX/2017 Amount : XXXX Category- Payment Details- N/A Payment History XX/XX/2017 XXXX ... XXXX Social Security XXXX XXXX ... XXXX {$3200.00} Paid
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 ), has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following items to be errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with DEPT OF EDUCATIONXXXX XXXX I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 90, 120 and 150 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the DEPT OF EDUCATION/XXXX but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. DEPTEDXXXX  XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It XXXX Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
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 use 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Mortgage

I am writing to formally request your assistance with an urgent issue I am facing with my mortgage servicer. I was confirmed as a successor in interest before the mortgage was transferred to the current servicer. Following this transfer, I have encountered significant difficulties in applying for the CalHFA XXXX support program, an essential resource designed to prevent housing instability during these challenging times. 

Specifically, the servicer has repeatedly asked me to resubmit paperwork, thereby hindering the processing of my partial claim. This has not only delayed the reinstatement of my mortgage but also jeopardized my eligibility and access to needed financial support. Since the inception of the XXXX program, I have made continuous efforts to comply with all requirements, yet the servicers errors and delays have created unnecessary obstacles. 

This situation is causing me immense distress and is reflective of broader systemic issues that contribute to homelessness in XXXX. As a widow with limited financial means, I feel that the servicer 's actionsor lack thereofhave disproportionately affected my ability to secure my housing situation. 

I urge your agency to investigate this matter and to facilitate a resolution that will allow me to correct my loan issues promptly and reopen my denied case with XXXX. Your intervention is crucial in preventing potential homelessness and ensuring that the rights and dignity of individuals like myself are upheld. 

Thank you for your attention to this critical matter. I look forward to your prompt response and assistance.
Product: Debt collection

I contacted XXXX for account information as it was reporting on my credit report. When looking for account association no information was able to be discovered. I was instructed to file a report with cfpb.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Debt collection

National Collegiate Student Loan Trust has had a law firm to place a title lien on my property. My name is XXXX XXXX and clearly this is a case of mistaken identity bc there are literally thousands of individualswith the same name. However, the above company did not research or clarify any of this info prior to having the law firm/attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ga XXXX go to XXXX County courthouse and place this lien. The law firm or student debt is listed under XXXX XXXX XXXX XXXXr Ga, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Ga XXXX. THEY REFUSE TO CLEAR MY NAME. This has caused a major headache, loss of time and wages, and stress. I am currently having my loan refinanced and wouldn't have ever known this document even existed until they did a title search. This is humiliating and embarrassing. I have spoken to the law firm who has no record of a XXXX XXXX with my date of birth or SS # on file. Who is held accountable for slander of my name and discrimination when mistakes are made. Now I'm forced to get an attorney to rectify what should have never taken place.
Product: Debt collection

I had XXXX at a residence that i moved from and tried to switch it to a new residence. XXXX switched it to the wrong address. We lived at XXXX XXXX XXXX they switched it to XXXX XXXX XXXX XXXX XXXX , in 2015. We paid XXXX there as a part of our rent tot he owner. I never received a phone call, an email or any communications from XXXX that i was being double billed. I recently was alerted by the credit bureaus that a collection account was added to my record from I.C. sytems. I researched and informed them and XXXX that i was not responsible for that bill as i never lived at that address and i never received those services. They are still reporting and trying to collect on that bill.
Product: Mortgage

I have called multiple times and attempted to get escrow amount corrected. I have a homestead on my house that clearly shows the discounted amount, but Lakeview has continued to give me the runaround.

I have been calling for two weeks after uploading the documents they requested. After getting off the phone today and told they are still working on it, I received am email ( ref XXXX ) told that they cant adjust until the end of the year. 

This means they expect me to pay over $ 100 month extra unnecessarily. I am in the middle of a refinance and do not want this affecting me because Lakeview refuses to get account corrected in a timely fashion per FCRA. 

I have made several attempts to get this resolved so I can make this months payment with nothing happening.
Product: Credit card or prepaid card

Hello, I recently moved to a new address in the summer 2018, after applying a new credit card at Chase, they just closed all my wife 's and my credit card accounts with them. My wife and both have excellent payment history with Chase and other financial institutions, and my FICO score is always around XXXX. We never missed a payment and use our cards as normal everyday use. So we totally don't understand how they make this decision. 

Thank XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX my flights were cancelled due to weather. I received a flight and rental car refund to my Lands End XXXX credit card account. On XX/XX/XXXX I requested the credit card company send me a refund for the credit of over {$700.00}. I made the request thru the automated system, but then also spoke to a representative to confirm my request had been received. I was told I should receive a refund check within 10 days. 

On XXXX when I had not received my refund I check, I called again. After speaking with XXXX different people I was advised that because I have a credit freeze on my credit bureau account, my request had been cancelled ( but no one bothered to tell me ). Instead, I was told it was now necessary ( under the law ) for a supervisor to call me to confirm my request. I was further advised that my refund would be made to my checking account ( even though that is not what I was previously told, wanted or requested and I had not provided any account information ). No supervisor or anyone else contacted me after XXXX  to advise me of this and I received no call. On XX/XX/XXXX, I was told my refund request would be forwarded to a XXXX who would call me within XXXX hours to confirm my request. I was told that they could not tell me when to expect the call, but if I did not answer, there would be no message. If I failed to answer, I would get a letter within XXXX weeks that would provide a toll free number to call to confirm my request. I was told the supervisor could not provide the number in a voicemail if I missed the call. 

It is now XX/XX/XXXX, and, needless to say, I have received no call. I believe this refund procedure is a scam to hold my funds like an interest free loan.
Product: Credit card

On XX/XX/year> two fraudulent charges were made on my Chase credit card. Chase 's fraud department immediately flagged them, and sent me a text message. I replied immediately that I did not make these charges, and they responded that the charges AND the card had been blocked, and that they would send me a new card. 

However, two charges for {$530.00} were allowed to go through to the card. I immediately flagged these charges again on the Chase portal, and they closed the card again and sent me another new card. 

Chase claimed that the laptops that were purchased through XXXX XXXX were delivered to my home. When asked to see any documentation they had proving that, they did not provide it. When asked to provide more information they could not. 

I contacted XXXX XXXX on my own, and was able to see that both fraudulent charges were actually picked up in story just a few hours after the charges. I submitted this as evidence to Chase, but they had already closed the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to obtain my credit report online but I can't. I have been able to get them before. The company will allow my credit report to be furnished on it's regular site but I have to pay for it. This is not equitable to me as a consumer. I would like access to my consumer report the same way that I have always had access to my consumer report online. 
The last four of my social is XXXX,
Product: Debt collection

I made a payment to National Credit Systems , Inc on the XXXX of XXXX, 2019 and as of today the XXXX of XXXX, 2019 I have not received any notification for the payment of {$150.00} made, neither they did not notify XXXX XXXX apartment about the payment made and this is affecting me negatively to get a new apartment.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, in light of the CFBP lawsuit highlighting significant issues with Zelle. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX signed for my certified letter requesting validation of a closed account by guarantor. Also asking why they closed my good standing account. This account was closed by XXXX on XXXX of XXXX in good standing and have been reporting payment amounts due and late payments on this closed account to all bureaus. I have received NO response from XXXX or ANY of the three credit Bureaus. I've sent certified letters to Experian on XX/XX/XXXX, NO RESPONSE, XX/XX/XXXX NO RESPONSE, and most recently XX/XX/XXXX, NO RESPONSE yet. XXXX  on XX/XX/XXXX, XX/XX/XXXX and most recent XX/XX/XXXX NO RESPONSE yet. XXXX  on XX/XX/XXXX, XX/XX/XXXX and most recent XX/XX/XXXX NO RESPONSE. Yet I have received another late payment post to my credit reports by XXXX XXXX XXXX. I have asked both XXXX, Experian, XXXX  and XXXX  to remove these inaccurate, false, and illegal information from being reported. I am being ignored and my credit is suffering because of it. I've worked really hard to maintain my good credit and this inaccurate information is hurting badly.
Product: Credit reporting or other personal consumer reports

Inaccurate accounts on my credit reporting and not removed. Victim of identity theft. Experian was notified. Names and addresses have not been removed that are not associated with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial are intentionally and irresponsibly reporting wrong information to my consumer report. Which is a clear violation of the law. The law states that I am entitled to an accurate report, in which GM Financial is in violation of 15 USC 1681e ( b ). 

I reached out to GM Financial on or around XX/XX/XXXX, to ask why they were reporting late payments after my insurance company and I, had made them aware that the vehicle was declared a total loss on or around XX/XX/XXXX. I express to them that they were intentionally trying to harm my name with the consumer reporting agencies and requested that the late payments be removed. GM Financial removed the late payments and payment history from my consumer report and charged the account off on or around XX/XX/XXXX. 

Also, GM Financial received a {$44.00}, XXXX payment on XX/XX/XXXX from my insurance company. However, on XX/XX/XXXX GM Financial charged my account off as bad debt in the amount of {$61000.00} as reported to the consumer reporting agencies. Vehicle was declared a total lost on or around XX/XX/XXXX. 

I am demanding that GM Financial update the Account Status, Payment History, Past due amount and Balance of this account as follows : Account Status : Paying as agreed. 
Payment History : On Time from XX/XX/XXXX to Present Past Due Amount : {$0.00} Balance : {$17000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year>, I disputed inquiries that should not have been made on my credit report. I asked Equifax to investigate. On XX/XX/year>, I received the results of this " investigation ''. They have not properly investigated these inquiries, as I did not authorize any of these companies to pull my credit report. Equifax has refused to investigate and provide proof that I authorized these companies to do pull my credit report.