23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps reporing incorrect information after the amount owed has been settled with a collection agency they contracted. I paid XXXX  on XX/XX/2020 in the amount of XXXX which was the agreed upon settlement offer. They acted on behalf of XXXX XXXX so this account is paid in full and satisfied.
Product: Student loan

I have student loans with the University  of XXXX back in XXXX-XXXX, University  of XXXX from XXXX, XXXX XXXX university ( Parent Plus ) from XXXX-XXXX and XXXX-XXXX and XXXX university ( Parent Plus ) from XXXX-XXXX. 

Over the years I have not had the money to pay and what should be a principal amount under $ 150K in loans is now upwards of $ 650K which includes interest based on deferments and forbearance requests as I could never get Sallie Mae or Navient to get me on a repayment program that agreed to on the phone. 

I am currently repaying 1 of 2 loans ( one is mine ) and the other was cosigned by my wife as that was the only way I could get a consolidation loan even though my wife doesn't and can't work. I have asked to have her released off the note so that if I die she isn't responsible for $ XXXX in loans that isn't hers but they refuse. 

My current loan payment on loan XXXX is {$1700.00} per month which took almost a year to come up with after being told they could get me a payment of {$1000.00} per month. Had I not started paying this amount my loan would have started the default process in XX/XX/2019. 

What's worse is that loan XXXX has a balance of $ XXXX and I can only imagine what my payment will be on that when it comes out of forbearance. I had to use the forbearance as I  could not get navient to get my payment low enough to be able to pay both loans at the same time. 

I honestly don't know how I will ever get these paid off at an 8.5 % interest rate and don't have good enough credit to refinance so that I can get my wife off the loan. Who let 's someone use 20+ years of forbearance and deferment? It's like giving an alcoholic a drink each day after he finishes his alcoholics anonymous meeting. 

I was finally at the point in my life about 10 years ago that I could afford repayment but could never, ever get anyone to get me a repayment plan that I could afford. My attorney told me to just pay something ; however, if I didn't pay the full amount I would be in default. 

I NEED HELP!
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 to any 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

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, TransUnion, and XXXX are governed by 15 USC 1681. And they violated my rights numerous of times. 

I demand the accounts listed below be removed because they are fraudulent and open without my knowledge or consent. 

XXXX  XXXX XX/XX/2019 XXXX XXXX XX/XX/2019
Product: Credit reporting

I HAVE WRITTEN EACH CREDITOR AND TRIED CALLING WITH NO SUCCESS THEY DO N'T WANT TO HEAR THAT THESE DEBTS ARE NOT.MINE. I GOT HELP FROM THE IRS SO THEY FLAGGED MY SOCIAL SECURITY NUMBER. BECAUSE I 'M THE CLEAR VICTIM OF I 'D THEFT. 
XXXX, XXXX, XXXX XXXX AND XXXX ARE CLEARLY NOT ME, I 'VE BEEN WITH XXXX.FOR XXXX YEARS, NEVER XXXX, AND I DO N'T EVEN KNOW WHT the others ARE. 
EASE HELP ME, I 'M TRYING TO GET MY CREDIT UP TO BUY A HOME. PLEASE HELP ME TO ERASE THESE CREDITORS? THANK YOU XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I received email from MoneyLion saying that I am late on making loan payments and must pay {$360.00} by XX/XX/22 or the account would be sold. I am not sure if that means to a debt collector or I will be taken to court. I tried calling them several times and even submitted a dispute on XXXX XXXX a month before because I had seen this account on my credit report and reported it as fraudulent. I do not know who opened this account but it was not me and Im questioned how a loan was taken out without verification of photo license or other means to secure accurate identification.
Product: Debt collection

I have paid this debt that was an amount not covered by my insurance upon the first notification. I have gone in person to the Provider and they have apologized and stated the debt collection company is acting outside the agreed guidelines and I should have never received a demand for payment from the debt collection agency. I have now received another demand for payment for a debt that was properly paid.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX credit of XXXX dollars which I applied for went into my husband account on XX/XX/XXXX I was told and show I was only have to pay the principal and a interest of XXXX dollars they caused me to loose everything buy lieing to me and threating me with lawsuits and jail time can u please help withdraws from XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan was denied my right of credit by AMERICAN EXPRESS . I was notified of this transgression of my rights, specifically 15 USC 1601 The Truth in Lending Act by AMERICAN EXPRESS on XX/XX/2021 via US mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by AMERICAN EXPRESS took adverse action against me, denying my rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00}. AMERICAN EXPRESS are now civilly liable to pay me for the damages.
Product: Debt collection

I was called by an unknown number and they left a voicemail from a XXXX XXXX. ( Sidenote a quick XXXX search of XXXX. XXXX XXXX XXXX ' will shed some light into this matter ) The voicemail reads as follows, " Hello XXXX XXXX this is XXXX XXXX with XXXX XXXX I previously left you a message notifying you of a civil claim today is XXXX, XX/XX/XXXX. It is in your best interest for either you or your attorney to contact us no later than the close of business if you wish to put a stop order on any legal action being taken pertaining to the XXXX XXXX XXXX XXXX XXXX. The number is XXXX when calling in XXXX refer to case number XXXX you have been notified the day and good luck '' I was NEVER left a message by this man or anyone at this company. The first time I hear from them I'm being threatened to be sued? The " good luck '' part at the end is what extremely angers me. To try to intimidate me into paying today so I won't have civil suits against me. So I did a quick google search and saw a large number of people referring to this man and company by name as a debt extortion scam. I called him back and let him know that I need information on this account and to call me back ASAP. Today is not the day to call and threaten my freedom and I will do everything in my power, if this man and company is indeed a scam, to bring light to this unbelievable tactics of trying to force someone's hand to pay. Whether it is a scam or not, no consumer should have to be in fear of legal action from one phone call you can't even get a response from. Please let me know if there's anymore information I need to submit. I have the voicemail saved and would be happy to send it. Thank you very much.
Product: Debt collection

Never been notified of debt execpt when filed XXXX XXXX. They are trying to collect on a debt from a bill of sale from XX/XX/XXXX. To this day of the complaint never receipt any information on it. Also they never filed for a lean on the property. 

Also read this law. ( Thanks to a law passed in XXXX, the statute of limitations of debt in New York is three years, which means that's how much time a debt collector has to file a lawsuit to recover the debt through the court system ). 

If I amd reading the right right that was passed then the statute of limitations has passed because they bought the debt on XX/XX/XXXX and we are in now XX/XX/XXXX. 

The Bill of sale was never dated when signed. 

The most recent the tried to collect was around was on XX/XX/XXXX. I do have docket if needed. 

The Company is : Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Debt collection

XX/XX/2024 Reference : XXXX I've sent multiple notifications requesting the original security transfer agreements indicating that the debt has been sold, but I haven't received them yet. Recently, I received statements from an additional collection company attempting to collect from me. However, their name doesn't appear anywhere on my credit report. I'm now reaching out to ask you to request clarification from the third-party regarding who I'm supposed to pay, as I'm confused at this point. 
================================================================= XXXX, I requested specific information, and now I see another party involved, XXXX XXXX XXXX XXXX XXXX Who exactly holds the contract from the original creditor? Despite my previous requests, you have not provided this information. Consider this my final notice before taking legal action against all parties involved, including you personally. 

Once again, I am writing to request validation of a debt that your agency is attempting to collect from me. It has come to my attention that there may be potential violations of tax fraud laws associated with the securities involved in this alleged debt. 
As you are aware, tax fraud laws prohibit deceptive practices related to taxation, including failure to report income, underreporting income, and misrepresentation of transactions. Given the complexity of securities transactions and the potential for securities involved in this debt to not be registered with the Securities and Exchange Commission ( SEC ), I am concerned that there may be violations of these laws that need to be addressed. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of the debt, including documentation proving that I owe the debt and that your agency has the legal right to collect it. Additionally, I request any information related to the securities involved in this debt, including documentation of their registration status with the SEC and any relevant tax reporting information. 
Please provide the requested documentation within 30 days of receipt of this letter. Failure to do so may result in further action on my part, including filing complaints with regulatory agencies and seeking legal remedies for violations of consumer protection and tax fraud laws. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation. 
Govern yourself accordingly! 
Sincerely, XXXX XXXX XXXX, agent for XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We were on and protected by the FEMA/Government forbearance after Hurricane Irma, during which time both myself and my wife 's credit report was negatively impacted when our mortgage company XXXX XXXX reported us as late on our mortgage. I called and was told there was " a mistake and some ... a few customers were mistakingly reported to the Credit Bureaus but they would issue a retraction ''. Mine was corrected, my wife 's however was not. Ive called several times on this matter and either their computers are down or something. I called this morning XXXX/XXXX/XXXX to try to get this taken care of. The customer service rep puts me on hold then comes back a few minutes later to tell me I will have to pull a copy of my wife 's credit report from one of the 3 bureaus and then fax or mail it in. I asked why I would have to do that now when I did n't have to do that before? She said she was n't sure but if I wanted it fixed thats what I would have to do. I said no I should n't have to spend my own money to fix a mistake your company made. And then I asked to speak to someone in that investigation department. She said she is that department. I asked why when I called the other day I was on hold to be transferred but their computers were down? ... she said that I called a different department, I said no it was customer service. So now customer service is the investigation department I guess. I should not have to go through this much trouble to fix a mistake on their part. I do believe they are discriminating against me as I filed a complaint on them before for their terrible customer service and mishandling of my mortgage and this is how they retaliate. I also just this past week opted out of a mortgage modification with them after they told me I would not be able to make my XXXX payment and would have to wait till XXXX to make my first payment. I said XXXX no I am not going to be late on my mortgage and go through all this again. The rep told me well thats how this works, you have to be behind if there is a hardship. I told them to cancel the modification I opt out. Today since my account was just unlocked to make my payment before the XXXX, I find another {$20.00} fee accessed to my payment. When I asked the above first mentioned rep she said it is a XXXX XXXX XXXX that was made to the account on XXXX/XXXX/XXXX. I said no my mortgage has been current as of XXXX and I will dispute any other fees as you guys already charged me two {$20.00} fees ( FEMA Natural Disaster Billed Fee ) while under the forbearance. 

The former complaint I filed was closed after the mortgage company sent in a bunch of misinformation and out right lies regarding contacts, dates, etc, to which I never got the opportunity to rebuttal. I would hope this complaint is received with more merit and a little investigation into XXXX handling of mortgages and credit reporting!
Product: Debt collection

I 've been sued in XXXX XXXX while I live in XXXX. The debt, if any, was not acquired while I lived XXXX. I lived in XXXX XXXX for 3 years, XXXX, after I retired from active military service. I moved back to XXXX XX/XX/XXXX, for medical treatment. I was not properly notified, the debt is 7 years old, passed the statute of limitations XX/XX/XXXX as well as in XXXX XXXX. The funds are exempt from collection, ( social security for XXXX, veteran compensation, ). XXXX XXXX, XXXX is the collection company in the states, represented by XXXX attorneys & counselors at law in XXXX XXXX. I am a XXXX veteran, if forced to attend to court in XXXX XXXX will require me to acquire great deal of expenses to include, travel with my caregiver, car rental, lodging, creating an unnecessary financial and mental burden. Causing me physical and mental distress.
Product: Credit reporting or other personal consumer reports

Me and my fathers information was stolen. We have since then continued to file a dispute with the company over and over for the last several years since XXXXWe have requested documentation along with 2 different police reports as well as the FTC. Per learning more about credit reporting, they are still attempting to collect upon a debt that not only me but my father have provided detailed information regarding the identity theft. In the state of Texas there is a statue of Limitations for attempting to collect on a debt. Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years. The debt per what is reporting on the credit beauru became repossessed in XX/XX/year>. The vehicle was then sold and charged off as XX/XX/year>. Still to this date they are still attempting to collect on a debt that we have continued to dispute but will not respond back to any of our letters nor notices. I am wanting to have this account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started receiving alerts on my Transunion credit report and noticed that there were inquiries that I do not recognize. As I researched the inquiries I noticed that they are from banks for auto loans. I already have a car that 's paid for, so there 's no reason for me to apply for auto loans. I ask that this issue be investigated. If you find that these inquiries do not belong to me, I DEMAND that you delete them immediately. If these inquiries come back verified then I DEMAND PROOF of verification because I never authorized these inquiries. The inquiries needed to be removed are : 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: Payday loan, title loan, or personal loan

XX/XX/XXXX, I made a payment of {$140.00} towards my bill with acima. I talked to the rep on the XXXX of XXXX about it and I asked the rep how much was left to pay off my loan before the XXXX buy out. He told me I had till XX/XX/XXXX. I instructed him that I paid the remainder off on the XXXX. The rep said ok will I call it in or do it online. I told him online. He said ok. I then paid off the account on the XXXX and received an email that I paid off my account. Today XX/XX/22, I checked my credit history and acima was still on their but saying it was active and I owed {$1000.00}. I called them and the lies started. I was told my the supervisor that even though I paid the remainder I didn't call it in to cancel the monthly payments so they tried to pull out the {$62.00} on the XXXX and it didn't work so they reopened my account. I've worked with acima before and never had I ever had to deal with this. They said the only way I can cancel this account is to pay them {$62.00} plus {$25.00} for the processing fee even though I told someone in advance and I paid it off in full. Not to mention I didn't receive any information that a payment was declined and my account was re-opend. the supervisor said my account was " pre-closed '' meaning it's not fully closed until the account is paid off. Which, it was!
Product: Debt collection

I had a contract with XXXX company in exchange for getting treatment for my teeth and receiving aligners. The company went bankrupt, closed all stores, stopped responding to any calls or emails during my treatment. I stopped paying the monthly payments when I stopped receiving aligners because the treatment was not complete and therefore, they did not fulfill their contract duties. XXXX XXXX XXXX kept sending me emails that I owe money, but I dont. Because they breached the contract. Now they sent me to debt collections and an agency called Tek Collect is reaching out to me to collect payments. They also added it to my credit reports and affected my credit score. I reached out to them via email to dispute the debt explaining everything and that I do not owe any money. I also requested documentation of any charges I owe and why. They never responded back to me. I need this to be resolved and removed from my credit report. I have proof and documentation.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX  - XXXX - {$0.00} XXXX  - XXXX - {$0.00} Bankruptcy XXXX  XXXX Bankruptcy - XXXX XXXX  XXXX Bankruptcy - XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to US BANK. In my credit report from XX/XX/2024, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I reached out to XXXX XXXX XXXX XXXX concerning an improper delinquency past 30days hit my credit and decreased my score by almost 90 pts. I have spoken with three agents and a young man. No one could given me any documentation to show what is going on to support the past due amount. The company stated I had missed a payment last year in which why would you wait 8months later to contact me. The manager would never return my calls and I still have to get this resolved for my home purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance {$7700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250.00}