23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I 've sent Experian XXXX letters with a full consumer statement regarding fraud that occured on my credit report. They stated on the last complaint response that they would " verify '' the public record. I have not received anything. This is keeping us from getting a home. See attached Department of Justice report ( end of attachment ), fraud affidavit, and certified receipts. 

It 's upsetting that the Experian takes advantage of consumers by leaving accounts on credit reports just so they can make more money on negative reporting. 

Thank you for your help to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several attempts I've made to inform credit bureaus that I've been the victim of identity theft and that I want to check certain entries in my files that the fraud has left behind. The documents I'm looking at have nothing to do with any purchases of products or services or financial transactions that I've made or approved. Please erase from my credit report any information that was allegedly obtained by fraud or extortion, assuming no one is looking. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I noticed an unauthorized XXXX transaction to a XXXX of {$300.00} on my chase account. I called chase claims and reported the transaction, they asked me all the questions they are required to ask and said within 10 business days I would get a decision or temporary credit. On XX/XX/XXXX I received a letter that they were not going to refund my money and they couldnt do anything because the transaction was authorized through XXXX  and it was out of their jurisdiction. I tried to call chase to dispute because I did not send this money! Chase told me it was out of their hands and that I had to call XXXX claims and they gave me a number that didnt even work, nobody answered and I ended up speaking to nobody. I was left discouraged, sad, and frustrated because that was literally my last {$300.00} I needed that money desperately. I dont know any XXXX XXXX I dont have any XXXX in my phone book, and I dont have any conversations with an XXXX in my texts either. I have been receiving various scam texts and texts and calls from weird numbers that I do not answer ever since.
Product: Debt collection

I am writing to formally file a complaint regarding the debt collection practices employed by the law firm, Lloyd & McDaniel , PLC, on behalf of XXXXXXXX XXXX. I believe that their actions violate my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), and I seek your assistance in addressing these violations. 

I have outlined the specific issues and the relevant violations below, based on my Affidavit of Truth : Violation of 15 U.S.C. 1692a ( 6 ) - Debt Collector Definition : Lloyd & McDaniel , PLC is acting as a debt collector, yet they have failed to provide proper verification of the debt as required by law.

Violation of 15 U.S.C. 1692c ( a ) - Communication Restrictions : Despite my explicit request to cease all communication, Lloyd & McDaniel , PLC continues to contact me regarding this debt.

Violation of 15 U.S.C. 1692c ( 3 ) - Ceasing Communication After Request : I formally requested that no further communication be made, yet they persist in contacting me regarding this alleged debt. 

Violation of 15 U.S.C. 1692b ( 2 ) - Unauthorized Disclosure of Information : The debt collector has disclosed details of this debt to third parties without my consent, violating my privacy rights.

Violation of 15 U.S.C. 1692b ( 5 ) - Continued Contact with Third Parties : Despite my request, Lloyd & McDaniel , PLC continues to contact individuals not involved in the debt collection process.

Violation of 15 U.S.C. 1692d ( 2 ) - Harassment or Abuse : The conduct of Lloyd & McDaniel , PLC has been excessively harassing, including multiple calls within short periods, unwarranted threats, and verbal aggression. 

Violation of 15 U.S.C. 1692g - Failure to Provide Debt Validation : Lloyd & McDaniel , PLC has failed to provide the legally required debt validation notice, including proof of the amount owed and the creditor 's identity. 

As a result of these violations, I have already formally requested debt verification from Lloyd & McDaniel , PLC, and demanded they cease all communication with me. However, they have failed to respond adequately or cease their unlawful actions. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Lloyd & McDaniel , PLC complies with the FDCPA and other relevant consumer protection laws. I have attached a copy of my Affidavit of Truth for your reference, which outlines the full details of these violations. 

Thank you for your attention to this matter. Please keep me informed of any updates regarding this complaint.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX, XXXX, MN XXXX Subject : Cease and Desist Letter Regarding Credit Reporting To Whom It XXXX Concern : I am writing to formally request that Jefferson Capital Systems cease reporting inaccurate and/or unverifiable information on my credit reports in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The account ( s ) in question are as follows : Jefferson capital system Llc XXXX I believe the information reported is inaccurate or unsubstantiated, and I have disputed the matter with the credit reporting agencies. This account does not belong to me Under the FDCPA, I am requesting that you cease all communications with me regarding this matter and remove the account in question from my credit report. If you believe you have verifiable documentation proving the accuracy of this account, you must provide it to me within 14 days of receipt of this letter. Otherwise, I expect this item to be removed immediately. 

Please note that this letter serves as formal notification of my dispute and request for action. Any further reporting of this information without proper investigation and verification may constitute a violation of the FCRA and FDCPA, for which I reserve my right to pursue legal action. 

I request that you provide written confirmation of your compliance with this request. 

Thank you for your immediate attention to this matter. Please direct all future correspondence regarding this matter to my address listed above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX, last $ of SS : XXXX. I saw that I had XXXX debts on my credit report. It has been over 30 days since I have been trying to get the debts verified. The XXXX debts were from XXXX and they are now with National Recovery Agency. 
Every time, we reach out to them, they have different information. 
My credit repair consultant sent them a letter yesterday after being rushed by someone who did not want to help. 

Here is a copy of the letter : Please receive letter and supporting documents of Validation of Debt Request for accounts listed above that we already sent to you on XXXX/XXXX/2015. We called on XXXX/XXXX/2015, a representative stated that your company will send the validation of debt within 2 weeks. We called back again on XXXX/XXXX/2015, another representative stated that the file was still with the compliance department. We just called back and spoke with a representative named XXXX who did not take the time to verify any information or asked any additional question but just told us that you only verify information through fax and rushed us to hang up It is very frustrating that the 3 times that we called that we have received different information and that XXXX would not even take the time to gather appropriate information, even after we clearly explained to her that last time they told us that the file was with compliance and to call back within 2 weeks. 
It is either that you are not able to verify the debt or your associates are poorly trained. Either way, per the FCTA, you had 10 business days to verify the debts and it has been one month. 
So, you have 24 hours to verify the debt or send a " pay per delete '' letter ; otherwise, we are submitting a complaint to the Consumer Financial Protection Bureau in regards of your inappropriate care and service to our client. 
If you are not able to validate debt, please send " Pay Per Delete '' letter to : XXXX XXXX XXXX # XXXX XXXX, RI XXXXEmail : XXXXXXXXXXXXThank you for your cooperation and your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The amount of loans supercedes that in which I actually received. 
XXXX XXXX XXXX. 
The final aid administrator fraudulently taken Ioans out using my personal information.

I'm requesting all student loan debt be forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute the inaccurate reporting status on my XXXX XXXX  account, which is negatively affecting my credit profile. The account in question is currently listed as " Payment after charge off/collection Settled - less than full balance. '' I wish to bring to your attention that this matter has already been settled, and as a result, the payment status should not indicate " In Collections '' or " Charge-off. '' I kindly request that you promptly investigate this issue and update the reporting status to reflect the accurate account status. The inaccuracies in the current reporting status are misleading and are having a significantly adverse impact on my creditworthiness. I want to emphasize that the account in question has already been resolved through a settlement agreement. As per the Fair Credit Reporting Act ( FCRA ), it is crucial for the information reported to be fair, accurate, and up-to-date. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. In light of this legal requirement, I kindly request that you take the necessary steps to rectify the inaccuracies in the reporting of my XXXXXXXX XXXX account. Please update the status to accurately reflect that the account has been settled and is no longer in collections or charged off. I really do appreciate your attention to this matter and look forward to a timely resolution. Thank you for your prompt action in resolving this dispute.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 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 information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of Disclosure. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 12 CFR 1016.1 Purpose and scope. treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices,12 CFR 1016.4 Initial privacy notice to consumers required. ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

( i ) Duration of consumer 's opt out direction.

( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.

I am OPTING OUT from XXXX XXXX willfully adding nonpublic private information to the third-party agencies, such as XXXX, Equifax and XXXX consumer reporting agencies without my consent. THIS IS A NOTICE.AGAIN I AM OPTING OUT FROM XXXX XXXX REPORTING SERVICES 15 U.S. Code 6805 - Enforcement Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.
Product: Student loan

On XX/XX/XXXX, I requested contact information and an address for the persons/department at University Accounting Services ( UAS ) so they could receive my XXXX XXXX XXXX XXXX Payment Request ( Payment Request ). An XXXX XXXX XXXX can be used to pay off federal student loans and I have a XXXX Loan with UAS. UAS is not registered with the XXXX XXXX XXXX XXXX and UAS needs to fill out a voucher to receive payments from my XXXX award. During this call I asked for an email after the phone call to confirm they are looking into the problem. I received no email confirmation. 

On XX/XX/XXXX, I called again to find out that this request was never looked into. I restated my initial request above and asked for a call back from a supervisor, as well as an email, confirming they are looking into my problem. I received no call back and no email. 

On XX/XX/XXXX, I called to follow up. I was able to speak to a Team Lead, who provided me with the standard address, generic email address and the general phone line. She admitted she wasn't sure what department would handle this request. During this call, I also requested my late fee be removed since I have been troubleshooting this payment request since XX/XX/XXXX. The Team Lead stated they would submit a request to remove the late fee with a XXXX. 

Later on XX/XX/XXXX, I called XXXX and they suggested I get a direct contact and email address from UAS. This would ensure that my Payment Request could be delivered to the correct address and potentially have the voucher filled out quicker to avoid additional late fees and interest. Later that day I called UAS back, an agent answered and told me they could not provide any phone numbers or email addresses for other departments because UAS keeps that internal. I then requested to speak to the Team Lead and the Agent stated that this request would need to be sent to a supervisor, requests take 10-14 business days, and that I can't submit another request because the Team Lead submitted one for me already. 

Since XX/XX/XXXX, I have been the only party to initiate correspondence about my XXXX XXXX XXXX XXXX Payment Request. I feel that there is too much " red tape '' at UAS which is causing my problem to go unanswered and unresolved. UAS has not handled my request in a timely or effective manner, causing more interest and late fees to add up on my account. My next payment is due at the end of the month and I am not confident they are taking steps to help me pay off my loan.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit card or prepaid card

Hi : I have tried to obtain copies of my old credit card statements so I could help other agencies, including Kansas Attorney General, with specifics. 

I requested copies of these verbally and in writing. I was told they would not provide this information. 

I believe their behavior is unethical and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 at XXXX, I spoke to a Barclays Bank representative that identified himself as " XXXX XXXX on a recorded line. I attempted to make a payment and was refused by the representative. They then proceeded to lock me out of the account so I could not make an online or mobile payment. I have a recording of the company refusing to allow me to make a payment. They then reported late/no payment to my credit report and added late fees even though they refused to accept my payment information. My payment information was never collected to apply to the account even after I stated I am trying to make a payment and close the account. Then they decreased the credit limit, all negatively affecting my credit score which led to me losing a house I was under contract for because my score dropped significantly when pulled right before closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$690.00} XXXX  XXXX XXXX XXXX Balance : {$260.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance XXXX {$4500.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Re : Disbuting Alleged Late Payment on Credit Card SYNCB/AMAZON PLCC XXXX XXXX XXXX XXXX, FLORIDA XXXX XX/XX/XXXX Date Opened XX/XX/XXXX Date Closed XX/XX/XXXX DATE REPORTED Individual Account Revolving Account CHARGE ACCOUNT Balance : {$0.00} Company named above claims that I paid the balance 30 days late. 

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that paid my balance late in XX/XX/XXXX. 
This company has failed to show, what item or service I paid late for. How or what item or service was purchased and paid late for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit. 

I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation, since the account was opened in XXXX ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items and/or using their credit card ; 4. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such late payment reporting. Thus failed to do so. 

It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureaus : XXXX ; XXXX and XXXX.
Product: Debt collection

See attached photo below to pair with the comments below. 

# XXXX : A state ID was said to be provided. There is an expiration date of XX/XX/year>, which could not be accurate as I would have been XXXX when this said ID was issued. 
# XXXX : In the State ID # slot is a phone number and not an actual ID number. If you scroll down there is that same XXXX number in the home phone number section. 

# XXXX My listed cell phone number and reference cell number are eerily similar. With just the last digit being changed. 

# XXXX XXXX XXXX is not my friend, she is actually my mother. Yet, the contract has her listed as a friend. 

# XXXX It is then said that I provided a photo identification of my license. However, there drivers license number listed, etc. 


There are many discrepancies within the contract. Upon requesting validation of this debt, the debt collector left this part of the contract out although it was previously discussed and I made them ( XXXX XXXX ) aware of the inconsistencies then. I have yet to resolve this matter with this company.
Product: Debt collection

This company is billing me for something I have no knowledge off and I have had it removed from my credit before and they put it back on my credit profile under a different collection company
Product: Credit card or prepaid card

I was charged an annual fee in XXXX for the year ahead. Then they stopped charging the fee for this type of account and changed the terms of the cash back adding a requirement to open a checking account to get the rate. This is theft and a change to contract terms without the right to opt out. I am requesting that the fee of {$99.00} to be refunded due to my inability to benefit from the cash back program as agreed in the contract without taking on additional expense and effort on my part.