23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

XXXX   XXXX    some guy  XXXX   call  ask for me he said the company is going file in court so I said what are talk about h e u no  take about i go no So he told me I took a pay day loan in   XXXX   I told him I have n't been work since   XXXX   XXXX   I never apply for a loan he I was pay it back he did n't no what happen never had pay day loan so he told I to pay  XXXX   XXXX   XXXX   XXXX  pay second payment is  XXXX  plus  XXXX  he said he email document singing them if did n't they going send to jail.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, A victim of Identity theft, request removal and deletion of the listed accounts on my XXXX, XXXX and XXXX XXXX XXXX. XXXX, XXXX. 
Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND COMPLAINT, and Experian provided a vague generic response without justification and assumptions that it did not appear as if I submitted the complaint, when in fact, I did! Experian previous response ( XXXX ) did not address ANY of the disputes that I attached in my initial complaint! I provided the " Experian Dispute Letter dated XX/XX/2020 '' with specific accounts ( XXXX XXXX DEALER SERVICE ( Individual and Joint ) and (XX/XX/XXXX/XX/XX/XXXX XXXX XXXX ) areas on my credit report that displays inaccuracies and/or incomplete information, which they neglect to verify! I attached the U.S. Postal Service Certified receipt card date stamp by their representative on XX/XX/2020! I attached a copy of my credit report showing the differences between Experian and XX/XX/XXXX, which both have inaccurate and incomplete dates! I requested the source or contact information of who they used or how they verified said information on my credit report! I provided proof of my identity and the Experian response letter dated XX/XX/2020, lacking ANY information that DO NOT support their verification process, and yet, I received a generic response that does not show ANY basis that they lifted a finger to look into my complaint! Then Experian had the audacity to accuse me of using an outside source other than myself, when there is no basis of their assumption that this occurred! I feel INSULTED, BELITTLED, and AVOIDED because they refuse to take the time to verify the inaccuracies and incomplete information using a Metro 2 format ( Record Layout ) and e-OSCAR that I pointed out to them in this complaint that is UNEXCEPTIBLE! They should be held accountable for their indiscretions to properly address the concerns listed in my dispute attachments! I am an XXXX veteran that served 24+ years protecting my country, and I do not deserve to be victimized by Experian. If these accounts are not properly verified per the FCRA, the identified accounts must be REMOVED, and if not, I will escalate this matter to the next level!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$340.00} XXXX  XXXX XXXX Balance : {$500.00XXXX XXXX  XXXX Balance : {$0.00} XXXX  Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/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 XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am so confused about your credit bureaus investigation on the accounts, that I am again writing this letter to dispute the fraudulent accounts on my credit report. As you have known, I have submitted the required FTC report I filed on Federal Trade Commission regarding the fraudulent accounts on my reoprt and upon submission, XXXX and XXXX removed the said accounts on their records. I also contacted the companies associated with these accounts and they said they have removed the accounts, so my question is : why are the accounts still reporting on your bureau? 
It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

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

Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer meets FCRA requirements Original creditor name XXXX XXXX I have this open medical bill that does not suppose to be on my credit. According to the rules and regulations. In XXXX, the XXXX XXXX XXXX XXXX announced the National Consumer Assistance Plan ( NCAP ) as part of a settlement with numerous State Attorneys General, which included provisions for the reporting of medical debt.1 As part of the NCAP XXXX the companies committed to no longer reporting medical collections that were less than 180 days past due and removing medical collections that have been paid by insurance. Both of these provisions were intended to prevent consumers credit from being penalized for debts that were not the consumers responsibility to pay. 

On XX/XX/XXXX, the national credit reporting companies voluntarily announced that they would no longer report certain additional medical collections ( Medical Collections Reporting Change ). Specifically, the companies announced that starting on XX/XX/XXXX, the time before unpaid medical collections can appear on a consumers report will be increased from 180 days to one year, and paid medical collections will no longer appear on consumer reports at all. They also announced that beginning sometime in XXXX, medical collections with balances below a threshold of at least {$500.00} will no longer appear on consumer credit reports.2 These changes have the potential to reduce the amount of medical debt reported on consumer credit reports and to benefit some consumers. 

This report explores the characteristics of consumers with reported medical collections and focuses on the current state of medical collections that appear on consumer credit reports and medical collections that are likely to be removed from consumer credit reports in the next year. We use the Consumer Financial Protection Bureaus ( CFPBs ) XXXX Credit Panel ( CCP ) to analyze collections tradelines first reported to a national credit reporting company after XX/XX/XXXX with medical listed as the original creditor type.3 We observe consumers credit scores, census tracts of residence, and other credit information in the quarter before the first reporting of the medical collection. 

I'm requesting that this debt be removed from Transunion, XXXX, and XXXX.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company : Bank of America. 

I tried to change my checking account address after I moved. In the bank of America app, I was able to change the mailing address but I was not able to change the physical address. And I contacted bank of america customer service, they told me I need to go in a financial center in person in order to change the physical address. I went in on XX/XX/2023, at XXXX, and one manager assisted me and he told me he successfully changed my physical address. That's a lie. Because I found out two days later my physical address is not updated. Then I called them again, and this time one customer service told me the manager from Bank of America didn't do nothing and I am not able to change my physical address because my physical address was oversea when I set up the account 5 years ago. And now they told me I can not change my address, because I am a XXXX XXXX. Although I don't own the propoerty, why should I keep the same address? Bank of America lied to me and discriminated against XXXX XXXX Why ameicans can change address but legal XXXX  can not? I need them to appologize for wasting my working hours, lying to me and discriminating against XXXX XXXX And I want to change the physical address.
Product: Student loan

I was not late on my payment, but they report it late. XX/XX/2016. I would like this corrected on my Credit report.
Product: Money transfer, virtual currency, or money service

XXXX The PayPal account for the email above was given {$25.00} from my account. The email had been changed on my account and the charge was made. there was an additional charge for a service fee of {$2.00}, making the total that was taken out of my account {$27.00}. 
I requested the money back from the individual, but I don't believe they will give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and noticed a couple hard inquiries that I do not recognized or gave consent to. 

XX/XX/21 - XXXX XXXX XXXX XX/XX/21 - NOWCOM/Westlakes Fiancia  XX/XX/21 - XXXX XXXX XXXX XXXX I called these companies and they were not able to provide me with details regarding the hard inquiries. Please I want these removed from my credit report. 

I called XXXX about these hard inquiries and they refused to help me. Please CFPB help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$2500.00}
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 ( 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. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove ASAP.
Product: Credit card

account continues to become compromised beginning in 2015 after attempted wire transfer from this credit card to a NY address. Bank transferred my account to Barclay. have had several problems of not being able to use card, have been told by customer service I am not making payments on my statements. While I have paid all accounts owned for credit cards in full every month. When asked to speak with fraud dept they stated there is no one to speak with, I just need to make more payments. Have had charges of $ XXXX {$3.00} charged to card, that I did not make, reported to card company, and reissued new card. When I logged on to account, it will state I have new cards to activate, yet I had not requested any and have the card in my possession. To date account problems unresolved and no investigations initiated.
Product: Credit reporting or other personal consumer reports

I have filed three disputes with XXXX and they have consistently reported inaccurate information on my credit file. Most recently I filed a complaint with your organization. This is the results of XXXX investigation.
Product: Debt collection

As of today XXXX XXXX XXXX. I herby declare i am unaware of this debt.

According to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I did not have an opportunity. 



I did not recieve any letter or notification from this company within the 5 days of this account being opened. I did not have an opportunity to address the alleged debt prior to this company billing me for it and placing the account along with its experiences on my credit report. If in fact you believe you gave me proper notification, which would give you legal right to assume the debt belongs to me due to unresponsiveness, please send me the ORIGINAL DOCUMENT containing the CERTIFIED RECIPT WITH THE DATE, MY NAME AND SIGNATURE PROVING I RECIEVED IT AND WAS MADE AWARE WITHIN THE PROPER TIME FRAME. 



ALSO, according to 15 U.S. Code 1681b ( a ) ( 2 ) for Permissible purposes of consumer reports A consumer reporting agency may only furnish my information to a third party or affiliate company unless it is for a court case or In accordance with the written instructions of the consumer to whom it relates. Please also furnish the ORIGINAL DOCUMENT OF WRITTEN INSTRUCTIONS THAT I GAVE YOUR COMPANY PERMISSION to report this ALLEGED DEBT to a third party without my consent and other affiliates with whom i have no business. THIS LETTER SHOULD ALSO HAVE MY SIGNATURE PROVING IT WAS ME AND I GAVE WRITTEN INSTRUCTION AND AUTHORIZATION TO DO SO. 



You have 30 days from the date of this notice and complaint through the CFPB to furnish the document of me giving your company written consent/instructions to furnish my information to others without my consent and to provide proof via green certified mail receipt, containing my signature, proving that i was made aware of this alleged debt within the 5 days of its inception.
Product: Bank account or service

Provision of inconsistent, unclear information regarding required steps associated with management of account on behalf of mother 's estate in relation to joint account held by designated executor and mother, and refusal to negotiate deposit of third party check from FDIC ensured bank. Details : After my mother 's death on XXXX XXXX, XXXX, I went to local Wells Fargo XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) on XXXX XXXX, XXXX to provide bank with notice of death, provided an original copy of the death certificate, closed my mother 's credit card and debit card, and request information regarding any additional steps I would need to take with the bank as designated executor under my mother 's will ( and named joint account holder ). I was told no further action was required on my part. In course of managing my mother 's state, o/a XXXX XXXX, XXXX, I identified a possible fraudulent charge against the joint checking account, went to local bank ( XXXX XXXX location, XXXX ) ; reported this to banker, who contacted fraud line and also at my request, asked for verification that death certificate had been processed. The banker stated that the unit she was speaking to stated it had not been processed, and then indicated the unit had also informed her that I would not be permitted to deposit a check ( in the amount of XXXX ) from a third party bank check written to my mother 's estate unless I presented a " certificate '' for the court where her will was probated. I asked for clarification regarding the nature/type of certification, and was told that again I needed to present a " certificate '' and set up a separate estate account as well. I was also informed that Wells Fargo was not obligated to negotiate any items under a deceased party 's name absent the " certificate '', would not accept a certified copy of the probated will or any other documentation apart from the " certificate '', and would not accept the deposit. I indicated that the documentation being requested was unclear, that I had received no information to this effect from the XXXX branch, and indicated that I would be contacting the CFPB with a complaint regarding failure to provide clear, written policy information when requested. At this juncture, the unit speaking to the banker said they were escalating my inquiry to another unit. At no time was I permitted to speak directly with the contacted units, although the banker asked if I could and indicated to me that the unit would not speak directly with customers and now legal counsel would be involved. I was also admonished that the bank would need to investigate further.
Product: Debt collection

I dont know anything about the bill its XXXX and they said its through XXXX I contacted bbb and XXXX said my balance was XXXX
Product: Payday loan, title loan, or personal loan

Well a while in XX/XX/2016 I borrow XXXX dont remember the exact amount, but we had XXXX deaths in the family and I haven't been working they sent an email threatening to sue me in court if i didn't call, but I replied explaining my situation and trying to work with them to pay at least XXXX every XXXX
Product: Debt collection

On XX/XX/XXXX, my father received a call from XXXX XXXX XXXX in XXXX, CA requesting I contact them because they were filing a judgement against me. On XX/XX/XXXX I contacted XXXX at XXXX XXXX XXXX using claim XXXX. XXXX then informed me they were filing a judgement against me for a debt with XXXX   XXXX for the amount of {$1300.00}. 

I explained I had no knowledge of this debt before this call. I asked if I could get proof that this debt or account existed. He told me it did exist he had a credit report from XX/XX/XXXX  that showed the debt and it was connected to my full name and social security number. I then told him I needed some sort of proof that this was my debt and he told me he was taking that as " refusal '' to pay and they would move forward in court. 

I then again said I needed some sort of proof I owed this money and he said my request was unreasonable and " sarcastic '' and accused me of requiring him to send me " a picture of myself when I took out the card ''. Which was never requested. 

I then asked for basic details such as when this card was taken out, when the last time I made a payment was, he then got angry and refused to provide me additional details and told me I would need an attorney to get these answers.
Product: Prepaid card

US Bank Relicard doesn't allow you to transfer funds to a bank account. I bank with a credit union. I have to call to get the limit changed so I can withdraw the total amount my rent exceeds the withdrawl limit so I have to call, request the limitbe removed, wait 2 days, go to US bank and make the withdrawal, then go to my creditunionand depositit just to pay my rent. In addition I am XXXX. I risk going into XXXX  every time I leave my house and I am not allowed to drive due to my XXXX. I have to pay for an XXXX, go to US bank, pay for XXXX again, go to a credit union and then pay for another XXXX to get home. I spend roughly XXXX weekly just to do this 4 times a month. I can not take public transportation due to risk of allergans causing XXXX, venom  from insects and exposure to sunlight that can cause XXXX. It's roughly XXXX a month. Colorado State is using a service that will not validate my perfectly valid account at XXXX and refuses to provide the name of the company validating the account. Inhave been on unemployment in the past and had direct deposit that worked. I have no way to fix this issue. I have contacted US Bank, the governor, the Lt Governor, all state representatives in my district and the head of XXXX in Colorado and no one from the state has responded. US Bank will not address the issue. XXXX will not release the name of the vendor validating financial institutions. My rights as a XXXX person are being completely trampled and absolutely no one cares. I could pay all my monthly bills except for rent with what I pay just for transportation to put the money in my bank account.
Product: Mortgage

I have a satisfied mortgage with Citi Financial but all the lien releases for the property XXXX XXXX XXXX XXXX XXXX were not released. There were a XXXX and XXXX mortgage for the property. I have contacted the company who took over the loan and I have been told there is no recorded. The property was purchased in XXXX  the lien release was done XXXX. This is an oversight by the company which is preventing the sale of the property. Please advise. The one lien release has been obtained but the second release can not be found.
Product: Debt collection

You are claiming I owe you a debt which is inaccurate. Please provide me validation of this debt immediately. As you are no doubt aware, invalidated information must be removed from my credit reports immediately. Please note that I am not concerned with VERIFICATION of this debt. Send me VALIDATION at once. From the date you receive this letter cease and desist from reporting this information onto my credit reports. Continuing to do so violates my rights and i will take action against you. In your validation response, provide me with the following 1. A description of what the money you are alleging I owe you is for 2. A detailed reconciliation of this account and how you have calculated the amount you claim I owe you. An expianation of who the original creditor is. when this account was last paid to the original creditor, and an originating document 4. Send me proof that the statute of limitations on this account has not expired 5. Include your license number ( all of them ), and your registered agents ) information. If you do not have validation or your records indicate you are attempting to collect this debt in error, send me a response stating this and immediately remove this account from my credit reports.