23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

January Technologies Inc is attempting to collect some Unknown debt I have no knowledge of. I have never signed any contract with this debt collect. 


I Declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by Federal and State LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes A FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable under 18 U.S.C. 1621 This item found within my credit report is not related to any transactions that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for contacting me without my permission 15 usc 1692b ( 4 ) 15 usc 1692b ( 5 ) This debt collector is also in violation of 15 usc 1692b ( 2 ) which states a debt collector shall not state that such consumer owes any debt ; below is attached letter from debt collector with highlighted violations. 

I invoking my right o f remedy under 15 usc 1692c ( 2 ) I want {$1000.00} for harassment, and violating my rights.

I am also invoking my rights to cease and desist all forms of communication, and that means placing this account on my credit report which is a means of communicating with me. 15 usc 1692c.

15 usc 1692c- 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been harassing me as well as illegally reporting an " Alleged '' credit card in my name with a past due balance. I have taken all steps including filing an ID Theft Report as well as the CFPB. This has been going on since XXXX of 2018 with them continuing to report this credit card on my Equifax credit report under my name and social security number. They have received direction from the South Dakota Attorney General 's Office stating this is an ID Theft incident and are refusing to comply with the Attorney General 's Office directive. They can not provide any contract bearing my signature, they are not licensed to operate in South Dakota and refuse to follow South Dakota Law or Fair Debt Collection Practices Act, and Fair Credit Reporting Act for the past six months.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX Account number XXXX. 
XXXX XXXX XXXX - Account number XXXX. 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not an error and I'm writing this complaint on my own behalf. On XX/XX/21 I sent dispute letter to Lexis Nexis regarding some incorrect information being reported on my consumer report. I have proof of receipt attached below. Guess what To this date I have NOT received any response to my complaint and as a Military Veteran who fought for my country to have to continuously fight for what in right in my OWN country is adsurd!!! This is not only adding to my XXXX I suffer from but also keeping me from being able to refinance my home. This is too got XXXX XXXXXXXX for something that should not even be an issue there is no reason that a company should not respond!!!!
Product: Student loan

Interest fees keep changing. XXXX {$7300.00} and XXXX {$6500.00} and XXXX  {$7000.00} Now they are adding another yr. to two and 7 mo to another. Thought it was 10 yr. fixed. 
They make it impossible to pay off. Certain I am being ripped off.Read about similar stories online. and lawsuits pending.
Product: Debt collection

On XX/XX/2021 a validation letter was sent to Con Col Management ( XXXX. XXXX XXXX ), this company never responded with validation. I am requesting complete validation or these items need to immediately be removed from my report. I need ALL DOCUMENTATION REQUESTED. I would like a complete breakdown of all charges and also signed XXXX release with my signature. If this can not be provided I would like this to be removed immediately. Attached is the original request for validation. On the letter shows for each account being requested as well. 

Thank You
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Jefferson Capital Systems is calling me 2-4 times daily - from different states and numbers XXXX they called 6 times- when I answer they hang up - today I got a summons to appear in court- they are suing me for a debt that is past limitations & that was negotiated and charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote a letter to XXXX XXXX so I could obtain all of the documents from my loan for a car financed through them, as well as any info on a repossession. I never heard back from them. I looked online to make sure I had the correct address. I did, however they had a different XXXX XXXX for credit report disputes so I wrote to the different XXXX XXXX because I wanted to make sure they would receive my request for validation. I have yet to hear back from them still. Yesterday I received a notification on my XXXX XXXX that they increased the balance on my CLOSED loan which has been closed since XXXX. This is against the law and I am very close to consulting an attorney. You can not increase a balance on a closed loan on which I don't even own the car anymore. Then I received an email from them that invited me to sign up for a law suit against them. I don't know what is going on, but they need to immediately remove this account from any credit bureau reporting and adding new charges to a CLOSED LOAN FROM XXXX.
Product: Mortgage

I have a reverse mortgage and the lender is trying to foreclose on me because for one month I had to go out of the country and I fell ill and they are claiming I didnt live there and they are also NOT willing to give me a payment plan to repay the taxes I owe in the amount of {$11000.00}. I offered a contribution amount and the rest in payments and they refused. I am XXXX years old on a fixed income, I am going to pay. For {$11000.00} they want to put an XXXX year old on the streets. Please do not allow them to do this, I have other friends and their reverse mortgage servicer allows them payments for when they fall behind. Please God Help me.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any relevant information on this matter, and the company proceeded without my approval.
Product: Student loan

For months we have been given the run around with being double charged for student loans we paid off through XXXX. Navient calls daily with the same demand for us to pay student loans that have already been paid. ( FRUSTRATED ) On XX/XX/2016 I paid XXXX {$28000.00}. 
Navient has duplicated my student loans somehow. 
They have double charge me. Navient is showing XXXX separate accounts for me. 
We have paid these loans off. ( with the exception of roughly {$350.00} dollars ) Could you please help me as it is adversely effecting my credit score and causing my family and I an incredible amount of stress! We are trying to buy a home and these credit dings are preventing us. 
Please feel free to contact my wife or I. 
Thank you in advance for your help!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/24 XXXX XX/XX/24 XXXX XX/XX/24 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/22, I tried closing my account that's associated with the email XXXX multiple times! I couldn't because it was limited ( no reason was given ). I even uploaded my driver 's license ; instead of further verification, the account permanently limited -- -there was no mismatch, for the record! I want my account closed -- -that 's all I wanted! They have no right to keep my data in their system! " Once an account is limited there is nothing we can do. '' What a disgusting company!
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Bank account or service

I had a loan through a bank that was discharged and cancelled and I paid taxes on the amount as income. However they are still reporting the charged off amount on my credit report as a XXXX dollar balance on my charge off when the debt was cancelled and not owed anymore.
Product: Debt collection

I received letter delivered by a state marshal from the court stating I'm being sued on XX/XX/XXXX. I never received anything from the creditor or the collections agency stating the debt was transferred or that I have right to dispute the debt. In XX/XX/XXXX I called original creditor to see if they would work with me to lower my payments as I had been in the hospital and unable to pay and they refused to. I asked them to then close the account and they didn't. I enrolled the debt into a program to reduce my debt and I never heard anything from the creditor nor received anything from them or any collections agency until XX/XX/XXXX when I got the letter of lawsuit.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed all inaccurate info and violations done by XXXX. They did not properly investigate the CRAs did not properly investigate. My privacy and fcra rights were violated. This account is reporting late payments no proof. This account is reporting 4 times with 2 account numbers each bureau is reporting different information to the same account a FCRa violation. This account is attached to an address not mine another violation. XXXX is asking me to update information because they dont have any on file which is suspicious why would you furnish this account is mine but asking me to update my information. They were sent a cease and desist and have not followed through. The CRAs did not verify accounts over a year ago. I never received any opt out letters or form of communication through dept of ed and they are furnishing inaccurate personal information to a third party which are CRAs without my consent. They violated the truth lending act
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to the XXXX XXXX department for XXXX XXXX XXXX regarding inaccurate items on my credit report regarding my payment history. It has now been 75 days and I have yet to receive a response back regarding the update of payment history with this company. This has caused me so much distress, because I am unable to apply for new credit with a " 60-Day Late '' status on a Mortgage account, as this is highly frowned upon. I demand that these accounts be quickly brought current.
Product: Mortgage

XXXX My wife has fixed rate interest with citizen bank 4 % for 10 years agreement. 
Based on the agreement it will be 4 % per year but now citizen bank charged 4.750 %. 
I called to ask why it more than that we agreement. The representative said that the interest rate will base on federal interest rate not citizen bank loan rates. 
Since the federal rate higher so my wife has to pay more. 
I feel that we have been missed leading from citizen bank because at the day my wife sings the agreement. The person who assistance us told us it will be no more than 4 % interest rate for 10 years agreement. She didn't say anything about the federal interest rate. I just learned from calling today. 
If we have XXXX versions of the agreement? 
XXXX, 4 % interest rate with the citizen bank. 
Second, Floating rate with federal interest rate. 
The citizen bank mislead us about the 4 % interest rate for XXXX. If the citizen bank put the Federal interest rate on everyone?
Product: Consumer Loan

When I purchased a vehicle from XXXX XXXX in XXXX NY, I paid {$5000.00} as a down payment on a vehicle that cost {$10000.00}. The remaining balance was to be financed and paid in 1 year. The amount financed did not reflect the down payment and the amount financed was not the price that was agreed upon. The numbers were modified without my approval or consent. There is a huge discrepancy in the amount agreed on at the dealer and what the finance company had.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

I request that the following actions be taken immediately : Investigation of the mentioned violations.

Removal of the unauthorized accounts from my credit report.

Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months. 

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions I have requested that my personal information be updated and included proof, as I only report my name one way EVER! 

I have never gone by any variation of my name other than XXXX XXXX. 

I have never reported to any creditor, bureau or legal entity, my name in any other way.
Product: Mortgage

The loan officer XXXX XXXX with SECURITY NATIONAL MORTGAGE gave a pre-qualification for {$230.00} to buyers making a little bit over XXXX p/year. Once under contract and within 2 weeks to close escrow she gave a denial letter saying that the buyers did n't get approved because they do n't get paid by the hour as they told her but they get paid by piece. She had the XXXX and paycheck stubs from the buyers since the day they applied for the loan and it 's very clear that they are getting paid by piece. She lied to the sellers agent by saying that the buyers lied to her and when she realized that the buyers were going to lose their earnest money for being dishonest she back out of her story saying that it was their supervisor who miss-informed them and that they did n't know that they get paid only by piece. However it is very clear in their pay check stubs and XXXX how they get paid.and how much. If she were to look at those documents for one minute she would realize that they do not qualify for a {$1500.00} monthly payment when between the XXXX of them have made {$21000.00} this year and it is evident ( on the paycheck stubs and XXXX ) that they get paid by piece not hourly. Her negligence cause the seller to lose XXXX other offers that were submitted for the house and has created a big hardship as she needed to sell her house right away to comply with other obligations. Because of her negligence the buyers lost money having an inspection done on a house that they were not going to be able to buy as in reality they do n't qualify for a hose in this price range. She gave a pre-qualification an issued XXXX XXXX saying that the buyers were approved for this loan when the reality is that they were never going to be able to purchase the house they were under contract.
Product: Mortgage

I submitted a mortgage application with a mortgage banker, XXXX XXXX, who works at the XXXX XXXX Branch of BMO Harris Bank ( XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ). He mishandled the application so badly that we would have been unable to close on our home at the already agreed upon date. As a result, we withdrew the application and secured a mortgage through another bank. The current issue I have is that XXXX XXXX and BMO Harris Bank ( including his supervisor, XXXX XXXX, and the branch manager, XXXX XXXX ) refuse to return my {$490.00} application deposit. As unprofessionally as my application was handled, at this point, I simply want my money back.