23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today I received a letter from Brown and Joseph for {$69.00} from XXXX who did an audit of which they asked me to provide. 

The letter threatens legal action, additional fees, etc. all for an adjusted value, no phone calls, and my insurance agent who sold me the plan never knew either. 

The adjustment would be them owing me money for overcharges as I had less than expected revenue and less employees. The charge is fraud and the attempts to collect are against the FTC rules by threatening legal action without even attempting to validate the debt.
Product: Debt collection

ive gotten behind on my tower loan payments due to work, working in the car business and sales are down. my pay has drastically changed due to car business. store manager XXXX, is calling me everyday twice a day and even twice a day on my job. i went by the store and tried to pay XXXX dollars and she wouldn't accept my payment. also threaten to take me to court.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to allege misconduct during Attorneys representation of others ( BNY ) in cases numbered XXXX and XXXX ( XXXX ) Failing to disclose relevant facts Making partially true but misleading statements Omitting information that is equivalent to an affirmative false statement Offering evidence that the lawyer knows is false Attorneys failed to file and waiver the BNY and document Filing Notification of Affiliates, These missed deadlines have caused delays in my cases and harassment and order default. 
This situation has caused us significant hardship, as we are unable to access our home. 
I have attached copies of emails sent to the authorities as evidence of my claims. 
I request that this complaint be investigated and that appropriate disciplinary action be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been closed and charged off with the original bank and I do not have a signed contract with XXXX XXXX or Jefferson Capital Systems nor have I done business with XXXX XXXX or Jefferson Capital Systems. I have a right to demand a signed copy of such contract between XXXX XXXX JeffersonSystem and myself.
Product: Debt collection

I have disputed the debt numerous times and XXXX XXXX refuses to validate the debt. I need it removed from my credit reports as it is in federal violation of 15 U.S. Code 1692G. I need this removed from my credit reports immediately or they will be subject to a fine. They are reporting inaccurate information.
Product: Mortgage

I paid off a loan 9 years ago and had XXXX negative entry attached. The last date reference this account should was XXXX2006. I have asked Bank of America to remove the information off my credit report. The mortgage was to XXXX XXXX XXXX XXXX XXXX It never went to collection was in good standing. I want nothing more to do with Bank of America and they she be held accountable for reporting this negative and will not remove it. It 's going into its approaching 10 years
Product: Student loan

I consolidated my loans in XXXX of 2009 to become eligible for the public service loan forgiveness ( PSLF ) program. The servicer at the time was XXXX. Despite documentation from XXXX that my loans were consolidated as income contingent in XXXX 2009, email proof I continued to argue for income contingent between XXXX and XXXX 2009, and documentation supporting that my payment should have been {$0.00} and qualified for PSLF, the current servicer XXXX has taken over a year to review my appeal. I have provided supplementary material twice and requested to see the documents provided by XXXX demonstrating I requested a forbearance when it would not be in my best interest and I have proof to the contrary. My requests for documentation have been ignored. Each time I provide material I receive an email stating that information provided by XXXX shows that my payments did not count -- yet I 'm not being allowed to view that information. This assertion, if not corrected, will cost me 7 months and XXXX {$3000.00}. I had an attorney send in a letter in XXXX via certified mail. We were afforded no response and I was required to re-upload the documents in XXXX despite having the mail receipt. 

This issue is similar to the issue I faced with XXXX where my repeated requests to lower my interest rate to 6 % were ignored. For 14 months I have been trying to find the number of payments and dispute those payments and I 'm being slow-rolled, kept in the dark, and provided with non-responsive answers. I am happy to provide your office with the letters I have written, the letter prepared by the attorney in the legal assistance office at XXXX, all of the enclosures backing up my arguments, and the non-responsive emails provided by the servicer. 

The cost of a lawsuit will most likely exceed {$3000.00} and the 7 additional months it will take before my loans are forgiven. I am being treated as if there is no recourse mechanism. I know there are XXXX other individuals facing similar issues with the PSLF program stationed in my area alone. For instance, if a servicemember pays just XXXX dollar more than what is owed, the payments do n't count and they tack months on the back end towards forgiveness ( that practice smacks of loan-shark-like tactics ). I had to fight for months to have my loans consolidated and I have to fight each time my loan is transferred. I hate to reach out for help but XXXX has exhausted my patience. Any help you could provide would be much-appreciated. 

My issues started after I consolidated into the PSLF program after I graduated from XXXX and started in the XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Paypal frozen my account and wont let me withdraw my funds, i submited a payment for a service and they didnt send the money, instead of that they hold the money and block my account permanently, i cant acces my money, and is more than a thousand dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept of ed. {$63000.00} Tax lien {$82000.00} XXXX XXXX {$1800.00} Tax lien XXXX {$430.00} Tax lien {$13000.00} On several attempt I have contacted the bureau to investigate these account due to the being fraudulent account and or doesn't belong to me. I have asked that they investigate them and sen me supporting document and not just say that the account was verified as that is what happened. The felled to comply and send supporting document as I feel sas if the account may not have been investigated properly.
Product: Credit card or prepaid card

{$2000.00} amount on credit card debts. Interest just got really high with no notice send to me. I had to go bankrupt.
Product: Credit reporting or other personal consumer reports

I was completely shocked when I checked my credit report this morning and found inaccurate accounts on there. I can't understand how this even happened! I always review my credit report regularly, but this time, these discrepancies just appeared out of nowhere. I even refreshed my browser thinking it might be some kind of glitch, but nothing changed. The incorrect accounts were still there. I am asking that my documents be thoroughly reviewed, as I never want to feel this uncertainty again.
Product: Mortgage

YOUR COMPLAINT I never received a PURCHASE MONEY LOAN CASH ADVANCE from Wells Fargo Bank NA or any of its associates, So there is no debt of a mortgage if there is please provide me a copy of my wet ink signature on your purchase money loan cash advance I received. This corporation is in violation of identity theft as they continue to fraudulently operate against my Trust and Estate claiming and reporting against my employer in the amount of XXXX please let WELLS FARGO BANK NA SHOW US THE PURCHASE MONEY LOAN CASH ADVANCE bearing my wet ink signature we hold no contract so what is this.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report noticed I had fraudulent accounts on my report. Ive disputed this information numerous times and it still remains. The account went from a collection to closed account when in fact its child be removed from my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I have received my credit report from Experian I have contacted XXXX XXXX numerous times and even disputed it with the Credit Bureau XXXX I am requesting a XXXX Adjustment to remove the late payments. 
I know this request is unusual, but it is ruining my good credit standing, and I have never received proof of accuracy after any failed dispute.
Product: Student loan

I am and have been a XXXX XXXX XXXX XXXX XXXX veteran of the XXXX XXXX. Navient, the holders of my loan did not inform me I had the right to have it forgiven under the federal XXXX XXXX XXXX XXXX discharge program. When I informed them of the situation they up it under forbearance, then when that time was up they attempted to charge me, then extended it again for three months. I just now found the CFPB is filing suit for this practice. Please have this information removed from all three of my reports until the findings are satisfied. My account number with Navient is XXXX.
Product: Credit reporting or other personal consumer reports

I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). 

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 16811 ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

They must be blind because everything is inconsistent.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding persistent inaccuracies in my credit report Specifically, the phone number listed on my credit report is outdated and incorrect, which has caused difficulty resolving identity verification issues with potential credit lenders The phone number currently listed on my credit report is XXXX ( incorrect phone number ). My correct, current phone number is XXXX ( correct phone number ) Under **15 U.S.C. 1681e ( b ) **, credit bureaus must follow " reasonable procedures to assure maximum possible accuracy '' of consumer report information. An outdated phone number violates this requirement, as it prevents lenders and other authorized parties from contacting me to verify or resolve credit-related matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/2021, First Bank did an unauthorized hard inquiry into my credit report. I applied for a personal loan on XX/XX/2021, and I authorized that hard inquiry. When I was approved for the personal loan with a very high-interest rate despite my excellent credit, I asked them to provide the credit score they were using in order to base the interest rate of the loan. I explicitly told them to not check my credit score again because they already had that information from XX/XX/XXXX, and that the credit report is good for 30 days. But despite my warning to not check my credit score again, they did a second hard inquiry on the XXXX without my knowledge or consent. I want to dispute this unauthorized hard inquiry since it was excessive and unauthorized. I have decided not to take the high-interest loan they offered me, and I am still looking for another loan provider, this second unauthorized hard inquiry, lowered my credit score by 3 points and will affect the interest rate of the personal loan offer with another financial institution.

Address of the First Bank branch in dispute : First Bank Attention : XXXX XXXX, Branch Manager XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Thank you for your attention, XXXX XXXX XXXX
Product: Debt collection

Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

XX/XX/XXXX, I was solicited by Capital One to consent to a pre-approved credit card, which was advertised as having " No hidden fees '' on the promotional mailer, and in television commercials running at the time. On XX/XX/XXXX I paid my balance on time and in full ; on XX/XX/XXXX I was charged interest in the amount of {$110.00}, which was interest from the time of the prior statement cycle to the time my payment posted ( again, on time ). This card has no " grace period, '' which is deceitful, and relatively unusual, if my other cards are any indication.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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.
Product: Credit reporting or other personal consumer reports

Tried to send in dispute filed a report with FTC and nothing has been removed
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The Equifax credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX HM XXXX XXXX Balance : {$300000.00} ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX : {$32000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the presence of fraudulent items on my credit report and to request their immediate removal. These fraudulent items are tarnishing my credit history and causing undue harm to my financial standing. 

Upon reviewing my credit report, I discovered several unauthorized and fraudulent entries, including [ describe the fraudulent items in detail, such as unauthorized accounts, inaccurate information, etc. I can assure you that I did not initiate or authorize any of these transactions, and they are therefore fraudulent and erroneous. 

I have previously submitted disputes regarding these fraudulent items on [ dates of previous disputes ], providing supporting documentation, including any supporting documents. However, despite my efforts, the fraudulent items persist on my credit report. 

The continued presence of these fraudulent entries not only damages my creditworthiness but also undermines my ability to access credit and financial services on fair terms. Additionally, the failure to promptly address and remove these items suggests a lapse in your organization 's responsibility to ensure the accuracy of consumer credit reports. 

Therefore, I urgently request that you take immediate action to remove all fraudulent items from my credit report. Specifically, I request that you : Conduct a thorough investigation into the fraudulent items in question. 
Remove the fraudulent items from my credit report without further delay. 
Provide me with written confirmation once the fraudulent items have been successfully removed. 
Implement measures to prevent similar fraudulent entries from appearing on credit reports in the future, including enhancing security protocols and verification procedures. 
I expect a prompt and satisfactory resolution to this matter. Failure to address this issue promptly will leave me with no choice but to escalate my complaint to higher authorities and seek legal remedies to protect my rights under the Fair Credit Reporting Act. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

In XX/XX/XXXX, someone used identity theft information applying checking account and credit card at JP Morgan Chase. The fake individual used my identity to apply for checking account # XXXX and Credit card account XXXX opened on XX/XX/XXXX. THe person owed {$24000.00}. The person address is XXXX XXXX XXXXXXXX XXXX XXXX  { XXXX XXXX XXXX XXXX Florida XXXX. Phone XXXX XXXX XXXX. I never live in XXXX Many retail purchases were done in Florida at many stores in XXXX and XX/XX/XXXX. During that time, I was in XXXXXXXX XXXX hospitalized for major operations. I have reported this identify theft and fraudulent credit card and checking account opened under my name without my knowledge and the purchases where the crime took place I was NOT in the location. However, Chase continued to stand by the claim that the account is mine. I have reported the identity theft to FTC and local police. I also visited local Chase Branch to request closing of the accounts. I still have not heard anything. The first contact from Chase was in XX/XX/XXXX when Chase Fraud Department called me ; I cooperated fully with them but at the end they told me there is a checking account still active and made payment before but withdrew it quickly and that checking account was still opened. This is all come to surprise to me. Therefore, I went to the local Chase Branch to clarify this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureau to check and make sure everything was complete, and accurate to 15 USC 1681 I ( 5 ) I waited 30 days and received my investigation and noticed everything was still the same. 

And I searched the company, gave my information to different collection agencies this is not accurate I am going to attach account numbers. 
There is same account but different collection agency please take it seriously I have a right for dispute duplicate account from same company this is violation this is impacting me from moving forward I attach my previous credit report in my new credit report to show how equfax violated my rights Collection Agency XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/2024, asking for my address to be update so i can remove other address from my credit report that is no longer associated with myself. I emailed XXXX XXXX and he responded that everything was ok and he updated my address. This morning on XX/XX/2024, i get an alert from my credit report saying i added a new address and it was not correct it was bell banks address. I emailed XXXX XXXX again and he said he updated it again. I also called in to express my issue and they said that they updated and it would take about 30 days which is unacceptable. I have a fraud alert on my credit report and this is causing me so much stress. There is a lot of fraud going on and this ran me through the roof. I also asked them for their mistake to waive the 30 day late reporting off of my credit report and still no response. This was an easy fix and now i am stressed out because i have to contact my credit bureaus to fix the problem and wait 30 days for their mistake i want something resolved about this before i take further action. This is not ok due there is a lot of fraud going on so XXXX XXXX can just update my information he needs to be removed from the company because its causing me a lot of stress trying to fix his mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I received a letter from XXXX that they received a negative finding from a company called EARLY WARNING, XXXX XXXX XXXX XXXX, XXXX AZ XXXX. This notice stated I could receive a free copy of this report by going to https://consumerservices.earlywarning.comI downloaded the form, filled it out and faxed it in on XX/XX/XXXX.I received this report on XX/XX/XXXX as an attachment to my personal email at XXXX.This report contained every type of identity information known to mankind, specifically Routing numbers and account numbers of banking information, most notably my current XXXX account, and specifically EVERY transaction taking place in my XXXX Account.On XX/XX/XXXX I met with the Assistant Branch Manager, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  DE T: XXXX and showed her this report.  She stated that she was NOT aware that Early Warning was reporting detailed transaction information on my XXXX Checking account.  She escalated this to its corporate office in XXXX  PA. I received an email from a XXXX XXXX RE: Case# XXXX and her direct line is XXXX.  Because of some medical appointments I was unable to contact her as of the date of this complaint.  Yesterday, XX/XX/XXXX, I spoke to Attorney XXXX XXXX XXXX of XXXX as a telephone consultation. Based on the information I sent him he recommended I contact the Delaware State Attorney General at my earliest convenience.I do believe this is a blatant violation of privacy on both parts of this EARLY WARNING company as well as XXXX as I believe XXXX is releasing this information to EARLY WARNING without my permission and EARLY WARNING is providing it to any company who will pay for the report.