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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number : XXXX XXXX 1979 XXXX XXXX XXXX XXXX OH XXXX Dear, JEFFERSON CAPITAL SYSTEMS XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of the assignment contract and any contract or agreement signed with my name in ink with your company or the original creditor. Please also supply me with a copy of proof that you are licensed in my state ( OH ), and provide me with your license number. ( If applicable ) In accordance with the Fair Debt Collection Practices Act ( XXXX  ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. XXXX  of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. XXXX  that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
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. Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account Name : XXXXXXXX XXXX XXXX XXXX  XXXX, Account name : has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 ( AX ( 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. If you can not provide documentation, you must remove these from my credit report, thank you Sincerely Yours
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/ Balance : {$2500.00}, XXXX XXXX XXXX XXXX XXXX  Open Date XX/XX/ Balance : {$2700.00}
Product: Credit card or prepaid card

We ( XXXX XXXX ) and myself ( XXXX XXXX ) were in XXXX XXXX on a cruise XX/XX/2019. We were approached my a woman and convinced her into going into XXXX. They told XXXX that they could remove the bags under our eyes. The operator XXXX would take care of it. I told XXXX I have very XXXX XXXX. He said no problem and I could return it this happens. That night I XXXX XXXX on my XXXX. I have photos of it. I was told the price was {$290.00}. The charge which was processed was {$340.00} on my credit card, that was the first issue. Then another man used something on our necks to remove wrinkles. That was another {$2000.00}. We didn't leave with the products they were to be mailed to XXXX XXXX 's house at XXXX XXXX XXXX, XXXX XXXX, Fl. The next day XX/XX/XXXX in XXXX. XXXX I tried to call them to tell them not to mail the package as I XXXX XXXX from the product. There was no answer nor an answering machine to leave a message. I still have the record of the call on my XXXX. We got back Sunday XXXX late. The first thing Monday XX/XX/2019 morning I called my credit card Barclays Bank to file a dispute on both charges. XXXX also filed a dispute with her bank XXXX XXXX. XXXX also called and spoke to XXXX and told them not to send the products and that we weren't going to accept the package when it comes. The notice came and XXXX took the notice to the post office and marked it REFUSED RETURN TO SENDER. I have all the tracking information from the post office including where they signed for the return of the package. XXXX 's Bank XXXX XXXX credited her back the monies back. I also copies of her credits. 
I also sent all my documents and pictures to the CEO XXXX XXXX of Barclays Bank. I never got a response from him. I got a denial from the dispute department. I wasn't the courtesy of a response from the CEO XXXX XXXX. As a retired XXXX of 31 years I don't understand how one bank protects their customer and the other doesn't. I always protected my customers XXXX has both the products and my monies totally {$2300.00}. I am a recent widow and hope you can help me. I can send you all the documentation. I can't scan it on my computer. 
Thanking you in advance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX cell
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXX XXXX*Date Opened : XX/XX/2010 Balance : {$0.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found discrepancies in some of the information provided. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the law, it is mandatory for the three credit bureaus to verify these accounts. Failure to validate these reported accounts within the stipulated legal timeframe constitutes impermissible reporting of unverified information. The following erroneous details in my credit report require thorough investigation and correction : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX : {$7300.00} XXXX XXXX {$13000.00} XXXX XXXX : {$1200.00} XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXXXXXX Balance {$5900.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$310.00} XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The credit agency is showing two hard inquiries on my credit reports I dont know who applied but it wasnt me.
Product: Debt collection

I owed a debt for a hospital bill. The hospital called me several times trying to settle my debt. I explained that I received several bills from the emergency visit and it was going to take a while to pay them all off. I had made payment arrangements already with the hospital doctor, my doctor and the XXXX  and at this time I was not able to support any other arrangements but as soon as I was able I would make arrangements with them. I did talk to them a few more times and relayed the same information. I had not heard from them or anyone about this debt for several months but I came into money and was able to pay the bill in full. I called the hospital they took payment and sent me a receipt. A day or 2 later I went to work about found that Borenstein and Associates has filed a lawsuit against me for the debt. Previous to this day, XX/XX/2020, I had had no contact in any way with this firm. When I called they stated that the hospital should not have taken my payment and that they were the owners of the debt. I stated the debt had been paid. They insisted that I owed them {$400.00} for attorney fees and if I didn't pay them today there would be {$100.00} added to the charges. I was never given notice of debt or an opportunity to validate or dispute the debt. Per the Fair Debt Collection Practices act, communication in the form of a pleading in a civil action can not be treated as an initial communications. This was the ONLY communications I received from Borenstein and Associates. These collectors are asking for more than 60 % of the actual debt as " attorney fees ''. These fees seem extreme. Total debt due and paid was {$600.00}. They are asking for fees of $ 400+ for collection fees. This seems extreme considering they have actually never attempted to contact me to collect the debt as required by law.
Product: Mortgage

I am writing to bring your attention to a concerning issue regarding a loan modification process with my loan servicer, " XXXX, '' that has left me feeling confused and taken advantage of. In late XXXXXXXX XXXX XXXXXXXX, I encountered some financial difficulties due to the impact of XXXX pandemic, which to me falling behind on my mortgage payments. At that time, I was only XXXX month behind on my mortgage. Upon contacting XXXX for assistance, I was informed that a loan modification could help me get caught up with my mortgage payments and that the amount due would be placed at the end of my loan prior to closing. This seemed like a viable solution to my situation, and I proceeded with the process as advised. However, the experience an unexpected turn when the documents provided for me to sign by a notary revealed that my loan servicer was requesting an additional {$67000.00}, far exceeding the amount I was behind on. The speed at which the notarization process took place, prevented me from realizing the discrepancy in the requested amount, until later, when I received a letter from HUD in XXXXXXXX XXXX XXXXXXXX, notifying me that I would be responsible for the substantial sum of {$67000.00} at the maturation of my loan. The revelation came as a shock to me, as I had anticipated that the loan modification would cover the shortfall in my payments and not incur such a significant financial burden. I immediately reached out to XXXX to seek clarification on why {$67000.00} was requested when my arrears were less than {$3000.00}, and why the difference was not returned to me. Regrettably, my attempts to address this issue with the loan servicer have been me with unhelpful responses, leaving me feeling helpless and concerned about the implications of this unexpected financial obligation. I am deeply troubled by the lack of transparency and communication surrounding this matter, which has caused me significant distress and financial uncertainty. I believe that there has been a misunderstanding or an error in the handling of my loan modification request, leading to unjustifiable charges that I am now being held accountable for. If we had known that this would be the outcome of the loan modification, we would not have pursued this. We would have went an alternate route. In light of these circumstances, I am seeking your assistance in investigating this issue and advocating for a fair resolution on my behalf. I respectfully request that the Consumer Financial Protection Bureau intervene to review the loan modification process with XXXX, ascertain the reasons behind the excessive charge of {$67000.00} from HUD, and help me dispute and rectify this unjust imposition. I appreciate your attention to this matter and thank you in advance for your prompt assistance in addressing this pressing concern. I look forward to your guidance and support in resolving this dispute and achieving a satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries done by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, were not authorized.. I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report
Product: Student loan

To whom it may concern : I took out a signature XXXX  loan for {$40000.00} from XXXX XXXX back in XX/XX/XXXX, with my father as a co-signer. By the time I was scheduled for my 1st payment in XX/XX/XXXX, my loan had already accumulated $ XXXX in capital interest. I made $ 100 monthly payments for approximately a year when I noticed an additional $ XXXX was added in capital interest. When I contacted XXXX XXXX, they stated I needed to increase my monthly payment amounts to $ XXXX to resolve this issue. In XX/XX/XXXX, my account was transferred to Navient for {$48000.00}, despite having paid over $ XXXX+towards my loan. I then continued making monthly payments of $ XXXX and have paid over $ XXXX and my current balance remains $ XXXX. During that time, I requested to have my father removed as a co-signer and was not explained the proper process, nor was I given any options to resolve my ongoing issues. Most recently, in XX/XX/XXXX, I was denied again because of some credit issue that I couldnt understand. 
Then finally I started hearing about settlements and loan forgiveness that were available to those that were Navient and XXXX XXXX I contacted Navient, along with various other places to see if I qualified. I kept being pushed from one company to another and then was told to wait for a postcard in the mail to tell me if I qualified. I never received the postcard, nor was it ever confirmed that I qualified for a settlement or loan forgiveness. 
I am looking to find someone that can provide me with guidance on finally ending this horror. I have spent over a decade making loan payments and still owe the same amount. I dont know if I qualify for any program or grant or forgiveness or if there is any solution that can possibly help me move forward. Please provide me with any help that is accessible to you. Please help those like me get out of this horrible mess. 
Sincerely XXXX XXXX XXXX # XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need theses account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call in the middle of the work day yesterday from a " Process Server '' representing XXXX XXXX or XXXX XXXX as I was told on the phone. I received a call from XXXX XXXX, and I explained to her that I couldn't talk to her at the moment because I was in the middle of a XXXX meeting for work. I asked her to call back at a later time. She then proceeded to repeatedly dial my number three more times. After this she called my teenage daughter while she was at school. My daughter called me hysterical saying that a lady said that I was being sued and proceeded to give her all of my personal information, name, date of birth, and social security number. She told my daughter that I would be arrested. She then contacted my estranged husband, and told him the same thing. I got a call from him a few minutes after my daughter. They both took down the phone number I was to call, XXXX. I called the number and spoke to XXXX at XXXX XXXX or XXXX XXXX ( she gave me both names ) and explained to her what happened. This morning I received another call from XXXX XXXX from the number XXXX. I answered the call and asked Ms. XXXX who she works for. She advised that she works for the " government '' for the state of Texas. I asked her to confirm the above number and she said " if that's what came up that's the government number, but it doesn't take inbound phone calls ''. I asked her to confirm that she was a " Process Server '' and that she did contact my daughter and husband and give them person private protected information. She confirmed. I explained to her that I would be reporting this incident and then hung up. She proceeded to call my cell phone three more times after this encounter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of multiple unauthorized inquiries from my credit report. As outlined in the Fair Credit Reporting Act ( FCRA ), a consumer report may only be accessed with a permissible purpose, as stipulated by 15 U.S.C. 1681b. This statute requires that credit inquiries be based on legitimate grounds such as consumer authorization, a court order, or a transaction initiated by the consumer.

Upon review of my credit report, I identified numerous inquiries that I did not authorize and that do not meet the permissible purposes defined by the FCRA. Furthermore, 15 U.S.C. 1681e ( b ) obliges credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. Additionally, 15 U.S.C. 1681s-2 ( a ) and ( b ) holds information providers responsible for reporting accurate information and not furnishing details if they have reasonable cause to believe the information may be inaccurate. 

Given these legal requirements, I request that the following unauthorized inquiries be immediately deleted from my credit report : Unauthorized Inquiries to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized by me, and no permissible purpose exists for these entities to access my credit report. Therefore, I request the immediate removal of these inquiries from my credit report and that you provide a written confirmation once they have been deleted. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me should you require further information.
Product: Bank account or service

I opened a HSBC choice checking in XXXX through a sales rep over the phone and was confirmed that I was eligible for a {$350.00} promotion offer for opening the account. 4 months down the line, I even got the rep at HSBC acknowledge that I was guaranteed to get the {$350.00} and that I could store his chat for records. Today, I received an email from HSBC stating that I had a credit card that they closed in XXXX due to non activity. I was informed that because of a credit card that I became ineligible for the bank promotion. This was never informed during account opening and it seems like a bait and switch on the part of HSBC. If it was an issue, why wasnt i informed when I opened the account when I gave my SSN and all other supporting documents to open my bank account. I should have been ineligible at that time as well but on the contrary they even confirmed that I should get my bonus by XX/XX/XXXX. I would like to get my {$350.00} promotion
Product: Bank account or service

When I was going to get gas I swiped my card and come to find out that it was denied. I then checked my phone and found it was put on hold. I called Rushcard only to find out that the option to speak to someone was no longer there. They changed their automated system did not send out an email about it and now there 's no way for me to talk to a customer service representative now. I tried writing their ticket department and told them that my card was put on hold. They took a day and a half to respond and then told me they looked into it and found that it was on hold and told me to call their customer service line that has absolutely no way for me to talk to an actual person. That is why I am filing this complaint