23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was four days late with my payment. Navient contacted me. I told them I would pay at the end of the month-still within 24 days of due date. I told the rep to stop calling and I would take care of it. The calls continue. Five times a day at my home number and my cell number XXXX. I emailed and they responded that they would note my account, and the calls would stop. Instead I am getting more calls at both my home and cell phone numbers. I have paid them over {$85000.00} over the past 30 years and they intend to get another {$75000.00} over the next twelve years even though the original loans from the XXXX equal less than {$35000.00}. I told them they may legally have me enslaved to pay them over {$150000.00} for a {$35000.00} loan ( the actual money I had and used ) due to compound interest and rewriting my original loans into a consolidation, but I have a right to not be harassed. I want them to stop calling and harassing me.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Midland for Incorrect Reporting In regards to XXXX XXXX XXXX XXXX XXXX account number ending XXXX Amount {$3700.00} Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against XXXX regarding an entry on my credit report that I believe is inaccurately classified as a charge-off. Specifically, this entry should be considered income, as I did not receive a XXXX form to account for this amount. 

Under IRS guidelines, a charge-off should be reported as income if it meets certain criteria, and I believe that this entry is not accurately represented in my credit report. I request that this be investigated and removed from my credit report, as it does not reflect my true financial situation. 



I appreciate your attention to this matter and look forward to your prompt response.
Product: Debt collection

I filed a dispute with all three credit bureaus against Jefferson Capital and the results came back as accurate. Its impossible! The collection was for a cell phone company that we dont have here in Colorado XXXX They claim it was opened XX/XX/2022 but I lived in Colorado and was on my husbands phone plan and then we switched to XXXX. I can prove that. I think I am a victim of fraud bc prior to that I was on my daughters phone plan. Its been 6 plus years since I moved to Colorado. I need help because according to the fair credit reporting act, the company needs to provide certain information which they did not do. Please help me! I have worked really hard on my credit and after all these years this is ridiculous. I have never received anything in the mail regarding the collection and have zero prior knowledge of this. I know that they have to provide the original contract, account number, date and proof that I own the account and none of that is on my credit reports!!
Product: Checking or savings account

Im gon na do my best w/dates. Memory issues. I complained through your company and received a refund somewhere in the area of {$3000.00}. Thank You. But after more investigation I found one year that TCF charged me in the area of {$13000.00}!!!!! In overdraft fees that not only did I not authorize I actually went into the XXXX XXXX branch where Im sure they have copies of the exact date and times I was inside which is only a hand full.That day inside the he I was speaking with a rep from your company on this and even sent original Tcf statements showing the dates ( approx ) a year, the massive amount of TCF unlawful charges they charged my account in 12 month period. I specially went there that day to specifically to demand if there is no money in my account I do not want you to be nice and let it slide along with {$37.00}, $ XXXX. If the money aint in the account DO NOT LET IT GO THROUGH, PERIOD!!! XXXX XXXX XXXX. I know There is settlement in place for victims of this greedy with willful and won ton evil intent took our hard earned money! And the CEO OF TCF Yacht has the name OVERDRAFT on it??? The arrogance of this man. Basically said to me XXXX I got your money .Thank you keep banking with me and Ill keep treating you just like everyone else, my word Anyway about the settlement. Im in one of the 5 states Illinios. And mine is a rather large amount. Please let me know what to do to get involved in that settlement over XXXX? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has reinserted an account that was from identity theft. XXXX has failed to block accounts from identity theft. That is a violation 15 U.S.C. 1681-1681 and 605b The reinsertion of identity theft accounts on your credit report is a serious violation of the Fair Credit Reporting Act ( FCRA ). When an individual is a victim of identity theft and fraudulent accounts appear on their credit report, federal law provides specific protections and procedures under the FCRA to help victims rectify the situation and remove the fraudulent information from their credit report [ 1 ].

If a credit reporting agency reinserts identity theft accounts that have been previously removed as a result of a dispute by the victim, it would generally be considered a violation of the FCRA. Reinserting this inaccurate information without proper verification goes against the FCRA 's provisions designed to ensure the accuracy and integrity of credit reports. Please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to UPDATE these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX OF 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 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: Money transfer, virtual currency, or money service

I used XXXX service to send the funds and receive the item from the person but it was a fraud and I was ripped off. 
I immediately called my bank ( Chase ) and I was told once the money has been delivered, they can't do anything about it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I want removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I owe an apartment complex money so i called and thwy gave me the number to pro collect ... who can not fibd anything XXXX my name or ss # ..and there was no account number kisted on my credit report
Product: Mortgage

My Original loan was with XXXX, and loan has been sold different lenders, My original loan was {$110000.00} with a mortgage payment of {$930.00}, I received a previous mod from XXXX  I did the XXXX payment on time when I made the last XXXX payment they advised me that my loan was declined for a mod and loan was sold again to Shellpoint, I called Shellpoint to work with them and they offered a modification that is unaffordable, the new loan amount is XXXX with a XXXXas deferment payment and {$60000.00} Downpayment.
Product: Checking or savings account

I have several open instantly closed accounts from XXXX. I personally have never opened an account myself and do not believe these are accurate information. Account XXXX and XXXX both.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a 30 day late on my credit report for my HELOC loan so I called in spoke to XXXX on XX/XX/XXXX and asked had any payments been made to my account that was reported she said there had not been any payment received since XXXX. I asked her to remove the late since I would be closing out the loan XX/XX/XXXX by selling my home. She lied and said we would lose our licensing if we did that and that she could not change the reporting. XXXX offered to send a letter stating the payment was made 1 day after the XXXX day. Then retracted and said she would send me a statement when I asked her to email the letter. XXXX advised she would send the statement which I never received. After checking my account there were 2 payments made on XX/XX/XXXX & XX/XX/XXXX that were transferred due to it being late. I never received any correspondence in regard to account being late. XXXX  XXXX  updated on XX/XX/XXXX and I made the payment XX/XX/XXXX. I then reached out to XXXX on XXXX and asked the same on XX/XX/XXXX he said he would check with the collections department and get back to me. XXXX me XX/XX/XXXX to say that she had advised XXXX that she already had a conversation with me and she already told me that she was not doing to do it. XXXX proceeded tTo lie again and say we would lose our ability to pull credit and I said XXXX you and I both know this is not true. I advised her that the lender XXXX XXXX XXXX XXXXXXXX ) advised me to call and see if XXXX  would do a courtesy removal since the loan is closing and I am in the process of getting a new mortgage. I asked XXXX would another financial institution advise this if they would lose their license. I told her that she knew she made that up and that she could if she wanted to. XXXX stated that other financial institution will advise clients to see if a removal can happen and she agreed that they do happen sometimes. I asked for her senior manager after that. The fact that XXXX is lying to not work with me is gross and unacceptable. If the answer was no then it was no need to lie. The fact that payments had been made however not the whole payment but I was not contacted at any point to be reminded. I still have not received my statement in regard to this account.
Product: Debt collection

I'VE CHECKED MY CREDIT REPORT - THERE IS A COLLECTION THAT APPEARED RECENTLY FROM A COMPANY CALLED DIVERSIFIED ADJUSTMENT SERVICE ATTEMPTING TO COLLECT A DEBT THAT I DO NOT OWE. I WAS CURIOUS TO KNOW WHO THE COMPANY IS AND WHERE IT IS REGISTERED SO I CHECKED NMLS CONSUMER ACCESS. DIVERSIFIED ADJUSTMENT SERVICE IS NOT REGISTERED TO COLLECT SUCH DEBT FROM THE STATE OF NEW JERSEY WHICH IS WHERE I CURRENTLY LIVE. THEIR COLLECTION OF DEBT IS INACCURATE AND VERY MUCH FALSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigated them and delete them from my credit report. I also filed identity-theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.
Product: Debt collection

U.S. Collections west contacted me at the place where I rent out a space for employment. Once then identified themselve I asked them to not contact me at that number, I provided a contact number with my home address where I can be reached. This was on or about the XXXX of XXXX. I then receive a letter on the XXXX of XXXX for this debt to my place of employment. Now where I rent the space of for my employment is in jeopardy because of this.
Product: Credit reporting or other personal consumer reports

My credit reports are showing 11 recently opened and closed student loan accounts through MOHELA. I last consolidated my loans in XX/XX/year>, and there should not have been any new accounts opened or closed in my name. As a result of the new accounts, my credit score with the bureaus has taken a sizeable hit.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX  XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX for the cancelled debt in order to file as ordinary income. Where is my 1099-C XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX  XXXX terms and conditions they agreed not to share my information with non-affiliates. XXXX and XXXX is not an affiliate of XXXX  XXXX nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Product: Bank account or service

Pnc bank made it after n during a threatening. Encounter n threat. Vs me by staff telling. Me '' XXXX did '' that hed be canceling. My account n that my accountwould be closed with XXXX more. Report vs the bank. With. The. Cfpb. Now tonight im trying to access the account slash make a purchase. N its being declined i demand investigation. Vs pncbank for retaliation. Plus i made civil rights complaints n this is a retaliatory cutting off of my access to my XXXX. Check ssi n other ssa funds by electronical usages based on XXXX resenting. Me making federal governmental. Reports vs a bank thst broke some statutes codes under banking.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern, I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS XXXX XXXX XXXX XXXX XXXX, Ohio XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTHXXXX XXXX. MY ONLY EMPLOYER IS : XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent utility bill for verification purposes, as required by the FCRA. Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance XXXX {$8100.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$620.00}
Product: Credit reporting or other personal consumer reports

This is my complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. I want the Credit Bureaus to fixed this account nor be corrected right away : XXXX XXXX XXXX Balance : {$370.00}.
Product: Credit reporting or other personal consumer reports

I recieved an email from a company called Net Credit saying that I have been denied credit for a loan. I didn't apply for a loan nor have I ever heard of Net Credit. 
I replied to their email and told them that whatever appllication that they recieved was fraudulent. I let them know that I didn't apply for a loan, and to remove the information from the numerous credit bureaus that they reported it to. 
They refused to remove the information and told me that I have to file a police report within XXXX days or they will deny my request. 
The email was sent to me on XXXX No information was supplied regarding the nature of the application or the amount. 
They stated that one of the reasons for the credit denial was due to late mortgage payments. I do not have a mortgage payment, so that information is false. I have also never heard of or or applied for credit with XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
Definite fraud.
Product: Student loan

When they try to collect on the loan I try to set up repayment with loan with their collection department which was XXXX XXXX in XXXX Idaho when we offered to sell them at a settlement they refuse to contact this back we had XXXX XXXX sent out several emails about the offer no confirmation I made a couple of payments to XXXX XXXX then the collection stopped but they were still applying interest I try to repay again another 2 years with another collection agency we offered to pay XXXX at this time we set up payment arrangements try to contact them to begin to make payments but they refuse to contact his back now the interest is out of control looking to collect on XXXX
Product: Credit card or prepaid card

CHASE CREDIT CARD HOLDS PAYMENTS! Payment to Chase Credit Card in Delaware made from XXXX XXXX  in Utah was sent to them on XX/XX/2020. Payment charge appeared on my XXXX XXXX XX/XX/XXXX. As of today, XX/XX/XXXX, 15 days later at almost XXXX  from when payment was sent, in the amount of {$7100.00}, has still NOT been applied to my Chase Account. Chase appears to be holding payment hostage while continuing to RACK up their ridiculous compound interest. This is beyond bad business practice, and should be against the law! I'd like to report Chase 's blatant negligence to apply {$7100.00} to my account as soon as they received it vs holding my funds in their own account. Is this illegal? If not, it should be! Please advise legal actions & proper steps to take against their absurd business practices. How is this company allowed to be in consumer industry?
Product: Student loan

Recently I became aware that one of three of my student loan providers, Navient, reached a settlement to forgive loans provided from XXXX. I qualify for the settlement. On XX/XX/XXXX, I found out that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) paid off my Navient loans ( $ XXXX ) as of XXXX!? 

Some time ago, I reported XXXX  to the credit bureaus because they were showing up on my credit report and I NEVER applied or received a loan from XXXX for school or anything. XX/XX/XXXX, I reported them to the Department of Education because my Navient loans should be forgiven through the settlement instead of being transferred to XXXX. The loan amount from Navient ( $ XXXX ) still shows up on my credit report but under a new name, XXXX.