23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX, I received a letter dated XX/XX/XXXX, in the mail from a XXXX XXXX XXXX Out of XXXX , Kansas . 
In the letter they stated they had purchased my account from XXXX XXXX with the last transaction date of XX/XX/XXXX and owing {$1100.00}. They wanted me to pay them {$850.00} to settle the debt or it will be placed for legal action. I immediately called the number, but only got an answering machine. I did leave my name, number and a message stating that this was NOT my account. 
1. I have NEVER had a XXXX XXXX account, nor any other jewelry account. 
2. They mailed this letter to a former address that I haven't lived at since probably XXXX. ( However, I live in a small town, so the mail was forwarded to my present address ) 3. I have divorced since I lived at the former address, and did not use the last name I use now, that this letter was addressed me to at. 
4. I keep an eye on on my credit reports and this charge from XXXX XXXX has never shown up on any of my credit reports, If it would have, I certainly would have contested it, as it's not mine. 
5. I called XXXX XXXX Customer Service and they told me they did not find me in their system and to call XXXX who is over the charged off accounts to see if they have my name there. However, they were closed when I called. 
My conclusion is this seems like either a scam on XXXX XXXX part, or somebody opened an account fraudulently under my name, or they have my identity mixed up with another person with the same name. 
Whatever it is, I am upset over this, and I will press charges if needed against whomever is behind this.
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a 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 XXXX 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 XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I was trying to pay a bill to XXXX XXXX for my daughter 's college to XXXX XXXX XXXX for the amount of {$900.00}. I was charged twice on this date. I disputed one of the charges with my credit card company, Chase Freedom. On XX/XX/XXXX, I received payment back from XXXX XXXX XXXX for {$900.00}. I called Chase Freedom to cancel the dispute on XX/XX/XXXX, due to the fact that I received a refund check from XXXX XXXX XXXX that uses XXXX XXXX. When I cancelled the dispute, Chase Freedom rebilled XXXX XXXX for {$900.00}. XXXX XXXX uses XXXX XXXX  and they never recieved the rebill amount of {$900.00}. I called Chase Freedom back in XX/XX/XXXX and was told that Chase Freedom released the funds on XX/XX/XXXX and that the funds of {$900.00} was accepted on XX/XX/XXXX. They told me there is not a routing or processing number to verify where it was sent. I sent all this information along with my credit card statements to XXXX XXXX XXXX so that they could pass that information along to XXXX XXXX, which is XXXX XXXX. XXXX XXXX  can not find that transaction at all. I went into XXXX XXXX XXXX on XX/XX/XXXX and spoke with XXXX who is the head of the business department. Together we both talked with Chase Freedom on the phone. We were hung up on twice and told that Chase Freedom did send a rebill amount of {$900.00} to the initial merchant but that they did not have a tracking or processing number because " that is not how they work. '' They said the credit card statements I have is proof enough that a payment was made. XXXX and I both stated that without a tracking or processing number it doesn't prove that the money went to the correct account. I was told there was nothing that I could do, and that I was out of the {$900.00}. I asked if I could dispute the rebill charge and I was told that it was too late. I have called many times since XX/XX/XXXX in regards to this problem and kept getting the same answer that there is no more information that they can give me.
Product: Checking or savings account

On XXXX I was expecting my direct deposit of {$300.00} in my 360 checking account from my employer and it was not in my account. I called Capital one and the customer service representative said there were technical issues that would be fixed by end of day. End of day came and nothing, Friday XXXX came and at this time XXXX  I have yet to receive my money or any explanations from capital one. Capital one is withholding not just my direct deposit but also many other people, an institution should not be allowed to do this but yet allow payments to come out of the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an XXXX account on my report multiple times and Equifax claimed to verify/update the account. The claim was NOT TRUE. I sent a factual disputes to them showing the error on my reports and showing the inaccuracies between them and XXXX requesting them the delete the account multiply times because they failed to report the account accurately in prior requests THE DID NOT. I filed a complaint last month adding the screen shot of the inaccuracy showing on my report and THEY COPIED the HIGH BALANCE from the screen shot to attempt to solve the CFPB complaint but they did not investigate anything they just updated the XXXX  account show what the XXXX report high balance showed on the screenshot. They also reage the account stating the 1st date of delinquency was XX/XX/2021 which is inaccurate. They are still reporting inaccurate information and disregarding the request for the information to be deleted because they can't provide accurate information. They are violating the FCRA regulations and I will contact a lawyer next if they continue to disregard the law in reporting this inaccurate account instead of deleting it.
Product: Credit card or prepaid card

this pre paid card has to be registered before you can use it, I have purchased several of them in the past week. They can not be registered becaue their horrible website doesnt work, and it's been down for a while! They do not disclose this when you are on thier website at all, and you keep trying to put in all the info many, many times with no success! thier website is horrid and it should be noted in large print that it is down!!!!!!!!!
Product: Checking or savings account

I had two college savers accounts for around a decade, that suppose to result in XXXX $ bonus when my kids finish high school. Recently rates went up for investment accounts and I had no interest on these two college saver accounts for a decade, $ collecting dust. So I inquired customer service over the phone about minimum balance to carry to do not loose the bonus. The response was - no minimum balance, just continue deposits requirement. I moved most money to CDs. Bank sent me letter that they converting my college savers to one deposit savings accounts as a result. I tried to fight that, but was told there were electronic notifications about conversion. I didnt find any notices. And no one is helping to resolve and restore my college savers account as this product is outdated. I m furious about keeping tens of thousands without any interest in this cheater bank for decadeWhen you ask about CD rules like early withdrawal penalty- they dont know what it is. So play this game at your own risk and face consequences, because they dont know their own policies and have no accountability for their misinformation to clients.
Product: Student loan

I logged in to get my XXXX  interest statement and found that my 4 payments that have been coming out of my bank account since my loan returned to repayment in XXXX have not been applied to my account which is serviced by Ed Financial on behalf of the Dept of Education. 

So not only is my account showing delinquent for 4 months, they have not applied my payments. When I asked in a chat when it would be fixed I was told due to backlogs this would be a few weeks. So after my next payment is due. 

I was told I should not use autopay. I was not even aware the payments were lost until I went to file my taxes  and wanted the tax statement. So who knows how long this would have remained this way had I not checked. 

They have to know and fix this in a more expeditious manner than saying it could take a couple of weeks is unacceptable when they have had my funds for up to 4 months. 

My account is being mismanaged and its very troublesome since repayment is a big character indicator to other creditors.
Product: Debt collection

I enrolled in a debt consolidation program over 2 years ago with XXXX XXXX XXXX XXXX XXXX ), I included an outstanding debt to a CBNA Citi Best Buy credit card. At the time the final debt owed was {$1400.00}. During the process of negotiations, this account was sent to a Collection agency listed on my credit report as XXXX XXXX XXXX. XXXX eventually negotiated this account with the collection agency ( not original creditor ). They agreed to reduce the original amount of {$1400.00} to {$960.00}. I am currently paying this off in the following : I started paying {$10.00} a month XX/XX/XXXX until XX/XX/XXXX. {$30.00} a month starting on XX/XX/XXXX until XX/XX/XXXX and then {$60.00} a month thereafter until the final payment is due on XX/XX/XXXX. 

This collection agency is deliberately reporting inaccurate information to the the credit reporting agencies even after several attempts to correct by contacting them and disputing. They are reporting a collection balance currently of {$2000.00}. The balance was never that amount and I am not sure why they continue to report inaccurate information. While they have a right and obligation to report the information, it must be reported correctly and that is not the case.
Product: Payday loan, title loan, or personal loan

I took out a loan with this company back in XXXX, XXXX. For the amount of {$2000.00}. The company deposited {$500.00} into my account and kept {$1500.00} in their savings account. I was told I would have access to this money, once I paid off the rest of the loan in full. I paid off the remaining part of the loan on XX/XX/XXXX. When I paid it off, I was told I would not have access to the savings until the payment was processed. The payment was processed two days later ( XX/XX/XXXX ). From this day after, I have tried to withdraw my money, however within 24 hours. The money is always returned to the Seedfi saving account. I have reached out the company multiple times. They told me to wait a week for their system to update, then I will be able to withdraw the money. I have waited a week and my withdrawal is still not working. The money is still being deposited back into my account. I think the company is trying to keep my money, in order for me to take out another loan with them.
Product: Vehicle loan or lease

I received a very threatening ( firm ) voice mail to call XXXX XXXX XXXX. I called the number provided and was told that they have been trying to reach me to collect on a repossession that I filed bankruptcy on in XXXX. 
They argued with me and were pretty XXXX  when I questioned them.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX - XXXX, XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We are currewntly getting a mortgage. In 2018 XXXX  XXXX placed a Negative entry on my credit report. For XXXX XXXX XXXX in the amount of {$900.00}. This account at XXXX XXXX XXXX was immediately paid in full the account closed. The creditor recalled the account number XXXX. A request was sent to the three bredit bureas to delete the item. XXXX XXXX deleted. XXXX deleted. Equafax refuses to delete the item. We have called them, confirmation number XXXX. We have filed 3 disputes. We have sent them letter by fax explaining this. We have sent them the letter from XXXX XXXX requesting they delete the entry as the account was recalled by the creditor. 
Our mortgage closes XX/XX/XXXX. WE MUST HAVE THIS REMOVED By EXUAFAX Please help me!!! 
XXXX XXXX
Product: Student loan

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in XXXX  that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Ive sent a debt validation letter via certified mail with no response, over 30 days. Zero payments are being processed but theres a huge $ XXXXAidvantage loan on my credit report which is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows a inquire on my credit report XXXX-17 but I never gave them written authorization to run my credit.
Product: Credit reporting or other personal consumer reports

I don't recall having a contractual relationship with this XXXX XXXX , XXXX Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus XXXX XXXX, Transunion, XXXX  XXXX on multiple occasions asking them to remove the bankruptcy ( reference number : XXXX XXXX from my credit report. I have not given consent for them to report this information and 15 USC 1681 a 4 states that, 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. This information on my credit report is invading my privacy.
Product: Credit reporting or other personal consumer reports

Unable to access credit report online with Equifax. Information was requested regarding Identity. That information was provided XX/XX/ and the site is still blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send to Equifax,XXXX and XXXX, to remove this studetn lona or update, this was not remove due to bacnkcrucy, we all know student loan cant be remove with that, i have pay this and send them proof, even like that they live this ask discharge on bancrulcrucy, this was pay from my bank account. please update.
Product: Debt collection

I never lived at this location. This location my be for my ex spouse. I reached out to FAIR COLLECTIONS & OUTSOURCING several times to state to them that this is not my account. I contacted them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Currently on my XXXX report it is still showing on my report. This is affecting my ability to obtain new lines of credit and life and need to be taken off. 

Collection Agency : FAIR COLLECTIONS & OUTSOURCING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX 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. 

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: Credit card

I recieved XXXX notices about denied applications I have not applied for. I have recieved a XXXX, a XXXX XXXX, and a XXXX notice for denied applications. I have also revieved a XXXX XXXX card that i have not applied for. I did not put those applications through. These applications were submitted XX/XX/24. I have talked with XXXX to dispute these inquires on my credit. I was told to submit to FTC for next steps.
Product: Debt collection

On XXXX XXXX 2017, I refiled a dispute with XXXX XXXX on a debt that a collection agency reported on my credit report. XXXX XXXX reply was that the debt was accurate, I sent to them documents that prove that I paid this account in full and nothing was farther owed on this account. The same collection agency had reported this debt on my wife credit report than removed it saying that they had been paid in full, this is not true because, me and my wife paid this collection agency nothing at all,
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX, XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the removal of incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED INFORMATION ON THIS ACCOUNT SEVERAL TIMES, ASKING THEM FOR THE METHOD OF HOW THIS ACCOUNT WAS OPENED AND ALSO THE ORIGINAL SIGNATURE ON THIS ACCTOUNT. THEY REFUSED TO SEND ME ANYTHING KEEPING ADVISING THAT THE ACCOUNT IS SOLD TO ANOTHER LENDER. SO WHY IS IT STILL BEING REPORTED TO THE CREDIT BUREAU BY THE COMPANY AS LATE.NO VALIDATION AT ALL SENT TO ME LIKE REQUESTED SEVERAL TIMES..
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/2023 and notice there were hard inquiries that dont have permissible pourpse to be on there. These hard inquiries are hurting me from getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

When I try to call and make a 'principal only ' payment they leave me on hold for hours and come back and say they can't guarantee my payment will all go to principal! When I'm completely up to date and always have been? They won't let me pay down this loan or are making it almost impossible!