23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I've tried to explain I did not give written consent for uplift to furnish my information on my credit report and that payment history is inaccurate and reported wrongfully
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX I was contacted by a collections agency regarding a delinquent debt with XXXX XXXX around {$110.00}. I told them I did not have any outstanding debts with XXXX and they had the wrong person. I followed up directly with XXXX XXXX, my cellphone provider, and XXXX XXXX validated that my account " has always been in good standing. '' Monday XX/XX/XXXX, at XXXX EST, I was contacted by " Jefferson Capital Systems '' headquartered in XXXX XXXX, Minnesota again on my personal cellphone number. The representatives name was XXXX and he was in calling from XXXX, XXXX. 
XXXX was collecting an outstanding debt as a result of a delinquent account held by XXXX XXXX in the amount around {$110.00}. 
I insisted that this was not my debt, stated I already told them the last representative this in XX/XX/XXXX, I had previously called XXXX to make certain my account was in good standing, and " Jefferson Capital Systems must stop calling me concerning an outstanding this debt with XXXX. '' XXXX pressed me to validate my date of birth and last four of my Social Security Numbers. I refused three times because I am not legally required tto do this, he is a stranger, and this debt collection is illegitimate & not mine. 
XXXX said he would read the last four Social Security numbers of the person responsible for the debt. 
I said that is illegal for him to do. I do not want to know their social security numbers, and I want nothing to do with this. I told him stop calling me. 
XXXX then said the only way the calling can stop is for him to read the last four social security numbers aloud to me and I had to say whether they were mine or not. If not mine, then and only then, I would stop receiving debt collection calls from " Jefferson Capital Systems concerning outstanding this debt with XXXX. '' I reluctantly agreed. XXXX  read out loud the last four Social Security Numbers. 
I stated : " No. Those are NOT my last four Social Security numbers and you must stop calling me. '' He agreed to stop calling me. I said I was reporting this to the CFPB and he said " XXXX you're taking this too far. '' Call ended. 
Phone number from : XXXX Phone callback number ( per XXXX ) : XXXX
Product: Debt collection

American Express Credit Card Company sued me during COVID-19 when the government issued a lock down due to the COVID-19 pandemic. American Express never notified me that they were going to sue me because of a debt. I had absolutely no idea that I would be sued by American Express. They never contacted by phone, email or letter to inform me that they filed a lawsuit against me. The debt collector pretended as if he was a law official and it seemed as if I committed a crime. This was cruel and illegal and all the debt should be forgiven, removed, nullified and deleted. This illegal action committed by American Express and the debt collector has damaged my credit score. They need to be banned and never do business again.
Product: Debt collection

This company is trying to collect a debt that was the result of identity theft and or unauthorized use. I have never authorized XXXX XXXX to bill me for any services or products. I have attempted to talk to the company directly, however ; no one in the customer service department was willing to help me. I have already filed a report with the FTC and have provided it to the credit reporting companies. I have included a copy of my Identity Theft Report filed with the FTC and have forwarded the complaint number to the local authorities.
Product: Mortgage

I have a " Home Equity '' line of credit with Bank of America ( BofA ). THE ACCOUNT # IS : XXXX. 
I am XXXX years old and I 'm retiring. In order to reduce my monthly payments on this account, I went in person to BofA in downtown XXXX XXXX, CA and asked if I paid down my loan amount from about {$220000.00} to about {$120000.00} ( a payment of {$100000.00} ) would that reduce my monthly payment? I was told " yes '' and my new monthly payment would be about {$1000.00} a month instead of my usual monthly payment of about {$2300.00} per month. This is a big monthly reduction of my monthly payments since I 'm retiring. This transaction took place in XXXX, 2015. Now BofA will not reduce my monthly payment after I paid down this account by {$100000.00} in XXXX, 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the company the following letter - and I got no response. They did not validate the debt under FDPCA and ignored 1692G of the FDPCA.

Please be advised this 1692g letter is for all!!! Accounts you have listed under my name that are inaccurate and now you are in violation of 1692 ( E ) subsection 8. 

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. 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. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney. Additionally, according to Metro 2 compliance, you are not listing the first date of delinquency on XXXX  or XXXX  as required under Metro 2 - another reason for deletion.
Product: Credit reporting or other personal consumer reports

My information has been taken and used several times to get different accounts. I have reported this. I have an police report and a federal trade commissioner report as well. The credit bureau yet still reports inaccurate information on my file with no urgency to remove. This has effected me very bad because I cant even use my own credit effectively I pay all my bills on time and struggled to maintain a good credit to my credit being destroyed by someone else. The bureaus be no help to people effect by identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The judge issued orders in my divorce decree XXXX XXXX XX/XX/XXXX date of court entry that my ex was ordered to pay Symphony ( XXXX ) off on XX/XX/XXXX, date of the home sale with those funds. It was left delinquent 90 days into XXXX and is on my bureau reports. I attempted to contact Symphony myself and they assured me that my name was not on this account, however that was all they could tell me, so how was this then reported as my delinquency? I sent complaints to all three bureaus full of documentation. They never responded and never removed it. Transunion sent a copy of my report with the Symphony account entered twice, once correctly and never replied to removing the incorrect one. They have her new address on my report in XXXX, her family home in XXXX XXXX and other homes I've never lived in. They also don't list three paid off homes, another in XXXX, TX, 10 cars, 50 credit cards, or student loans for three degrees.This false information is causing rejections and inquiry alerts that continue to mount as she continues to do whatever my ex is doing. 
I also sent XXXX a certified letter-to XXXX XXXX at the NY Corporate office asking why the XXXX account is closed. I lost XXXX in bonus XXXX money with the loss of this card. The tracking number is XXXX XXXX sent on XX/XX/XXXX. I received no answer and no {$500.00} in earned money. Their people applied my payments from a checking account they entered incorrectly-one digit off and charged me XXXX per error, and I paid it immediately on the telephone with my acct number in hand-no problem. THEY WERE ADVANCE PAYMENTS. I went to their XXXX XXXX location and no one would help me. I want my money that I deserve, My bureau shows never late and I never receive If it was investigated it would have been repaired! 
I am a highly educated man of means and I demand they repair their errors.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved.I request investigation and removal of these items, as it incorrect and does not reflect my true credit history. 

I dispute the following hard inquires on my credit report : -XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX2023 -XXXX XXXX on XX/XX/XXXX2023 -XXXX XXXX on XX/XX/XXXX2023 XXXX XXXX via XXXX on XX/XX/XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX23 XXXX XXXX XXXX on XX/XX/XXXX2023 XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX2023 -XXXX  XXXX XXXX XXXX XX/XX/XXXX2023 -XXXX  XXXX XXXX  XXXX XX/XX/XXXX23 XXXX XXXX XXXX XXXX  on XX/XX/XXXX2023 -XXXX XXXX on XX/XX/XXXX2023 -XXXX  XXXX XXXX  XXXX  on XX/XX/XXXX2023 -XXXX  XXXX XXXX on XX/XX/XXXX2023 XXXX XXXX XXXX on XX/XX/XXXX2023 UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), SECTION 611 ( 15 U.S.C. ~ 1681i ), UNAUTHORIZED INQUIRES MUST BE REMOVED. PLEASE REMOVE AND INACCURATE INQUIRES.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient is reporting that i made payments to them when i did n't. They are also saying that i was late on a payment that was recently made. Which i never made a payment. They restarted the clock on my account, so now the SOL has restarted. I am also in school and all of my school loans are in deferment. This loan should still be in deferment until XXXX 2017. They keep raising the interest on the loan which is making it 10 times harder to pay it off. They did not notify me that they were putting that i made any payments and they are harassing me every day calling me about loans that i owe, that should be in deferment. If you were to look at my other school loans, they are on deferment. i want them off my credit report because they are reporting false information and i am trying to rebuild my credit and this is not right to report that I 've made any payments just so they can restart the clock on my account and i now have to wait another 7 years. i never made a payment because my loans are supposed to be in deferment just like my other school loans. The loan is three times the amount of the loan that it as originally.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Money transfer, virtual currency, or money service

Hi Navy Federal Credit Union Support Team- I noticed several fees on my Navy Federal Credit Union account that I would like to ask for a refund on. I have been a loyal customer of Navy Federal Credit Union and hope to continue, but these fees are becoming really frustrating .... Especially when there are now so many fee-free banks and its been such a tough year! 

Can I get a refund on the {$240.00} from my transactions below? 


Overdraft Protection Fee ( XXXX ) OVERDRFT FEE - XX/XX/XXXX - {$20.00} Overdraft Protection Fee ( XXXX ) OVERDRFT FEE - XX/XX/XXXX - {$20.00} Overdraft Protection Fee ( XXXX ) OVERDRFT FEE - XX/XX/XXXX - {$20.00} Overdraft Protection Fee ( XXXX ) OVERDRFT FEE - XX/XX/XXXX - {$20.00} Overdraft Protection Fee ( XXXX ) OVERDRFT FEE - XX/XX/XXXX - {$20.00} Overdraft Protection Fee ( XXXX ) OVERDRFT FEE - XX/XX/XXXX - {$20.00} Overdraft Protection Fee ( XXXX ) OVERDRFT FEE - XX/XX/XXXX - {$20.00} Overdraft Protection Fee ( XXXX ) OVERDRFT FEE - XX/XX/XXXX - {$20.00} Overdraft Protection Fee ( XXXX ) OVERDRFT FEE - XX/XX/XXXX - {$20.00} Overdraft Protection Fee ( XXXX ) OVERDRFT FEE - XX/XX/XXXX - {$20.00} Overdraft Protection Fee ( XXXX ) OVERDRFT FEE - XX/XX/XXXX - {$20.00} Overdraft Protection Fee ( XXXX ) OVERDRFT FEE - XX/XX/XXXX - {$20.00} ATM Fee - Withdrawal XXXX XXXX XXXX ATM FEE - WITHDRAWAL - XX/XX/XXXX - {$1.00} Thanks a ton, XXXX
Product: Student loan

Navient has sent multiple letters stating the formal last date to work with them, but they continue to keep the loans active past the dates they provide. So theyve been providing false information that ultimately is leading to more late fees and interest building up. Additionally, theyve contacted people who I havent spoken to in decades and people Im only friends with on social media in order to contact me, which has been awkward and embarrassing to explain and left these people feeling harassed by a company they never gave permission to communicate with them.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) CoMMUnication WitH tHe conSUMeR GeneRallY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) CeaSinG coMMUnication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.

( Pub. L. 90321, title VIII, 806, as added Pub. L. 95109, XXXX XXXX XXXX XXXX XXXXXXXX. XXXX. ) I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists pursuant to 18 USC 8, L owe no debt, this company is violation my consumer right to privacy pursuant to 15 USC 1681-B2 company has no permission to report my information per 15 USC 16814 .
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX
Product: Debt collection

I have contacted the collection agency AD Astra directly, as well as, XXXX, XXXX, and XXXX since XX/XX/ 2019 disputing the error that is being reported in the amount of {$3200.00} Account Number XXXX ... and the amount of {$310.00} for Account Number # XXXX ... This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Product: Credit card

reference orig case XXXX ... XXXX XXXX and follow up # XXXX, XXXX XXXX ... This is a REQUEST for information.Please provide SPECIFIC, DETAILED information concerning violations of TILA, and fee shifting provision REQUIRING a defendant to pay plaintiff 's attorney fee 's and costs.ADDITIONALLY, as I interpret the law, I am wholly dissatisfied with SERVICES I purchased with credit card, namely useage of an access check for a 2 % FEE, PAID UPFRONT. I, therefore have the RIGHT NOT TO PAY remaining amount due, which happens to be extorted interest and aggresively extorted " late fees '' ONLY ... Original balance was paid in full prematurely. My RIGHTS are preserved because the purchase was based on an advertisement Chase mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested from XXXX, Experian, XXXX XXXX XXXX to verify with method of verification of an collection account on my credit report from " XXXX XXXX XXXX XXXX XXXX XXXX with letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. As to this date I have not received from XXXX, Experian, XXXX XXXX XXXX any proof that this account is correct, I just receive back a letter stating that the account was verified with no proof. I have attached the letters sent to XXXX, Experian XXXX XXXX XXXX.
Product: Debt collection

On XXXX XXXX, 2016 I received a copy of my credit report and notice an account from Common Wealth Financial that I do not recognize. I sent a validation letter to Common Wealth Financial requesting information on the account they claim I owe them. The letter was sent on XXXX XXXX, 2016. They have not provided proof that this account belongs to me. I also sent dispute letters to each of the credit bureaus. XXXX and XXXX have deleted the accounts however XXXX continues to report this account.
Product: Student loan

As you can see below we made a payment of XXXX dollars on XX/XX/2023. The next day my " scheduled payment '' of XXXX cam out of my checking account after we made a manual payment the day before. In my opinion they should have either cancelled the scheduled payment or applied all but loan XXXX to principal and not interest. However that is not what happened. How can I pay XXXX dollars of interest for 30 days and then pay XXXX dollars of interest the next day for loan XXXX along with interest on all the other loans. I contacted XXXX by phone on XX/XX/XXXX at approximately XXXX EST, and the girl who took my call placed me on hold for 38 minutes and did not come back. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

EXPERIAN - I am very meticulous on watching my credit accounts and credit score, I seen online {$1.00} for a free trial with EXPERIAN for seven days. I paid the amount through my credit card and entered the site and viewed my credit accounts and credit reports with EXPERIAN and all was good! I noticed for a ONE TIME fee of {$39.00} I can have access to XXXX and XXXX my accounts and credit scores. This seemed like a pretty good deal figuring to have complete access to all XXXX Credit Reporting Agencies so I viewed all three agencies and all was good! The next day I accessed the EXPERIAN site again and again attempted to access XXXX and the window popped up stating for {$39.00} I can view all three agencies? Figuring this was a mistake I called EXPERIAN only to find out that that ONE TIME {$39.00} fee is only good for ONE DAY! Nowhere on the window for the charge does it state that the {$39.00} fee is for ONE DAY it just simply says for a ONE TIME fee! This is misleading to consumers and EXPERIAN needs to state that the ONE TIME fee is also only good for ONE DAY! This is an important consumer issue that needs to be addressed immediately to protect consumers and to ensure EXPERIAN is up front and transparent to its subscribers! 
Another point of extreme concern that I have found out is the credit scores that EXPERIAN provides to consumers from XXXX and XXXX are erroneous credit scores! I obtained my credit score through EXPERIAN for XXXX and it seemed to be on the high side? I called XXXX and they said the score I obtained through EXPERIAN was about XXXX points higher than what XXXX had on file for me on that same day and they looked back through a month and my score was never as high as what EXPERIAN provided to me? I called EXPERIAN and explained to them the discrepancy from the XXXX credit score they provided to me and she told me that EXPERIAN uses a different scoring model than XXXX uses? So this is the issue, how can EXPERIAN charge additional money for a credit score from XXXX and XXXX and provide it to the consumer and these credit scores are erroneous and do not even come close to the actual scores on file with XXXX and XXXX! And in this case there is nothing on the EXPERIAN website advising the consumer that the scores from XXXX and XXXX may differ from actual scores because of EXPERIAN using a different scoring model! Again this is a big issue for consumers and needs to be resolved with EXPERIAN!