23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased a coffee maker from XXXX, that I ship back to them. Capital One issued a temporary refund, then several months later I was charged for it, putting me over my credit limit and decreasing my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and discovered several accounts in my credit report that appeared too not have been mine, i contact the companies trying to find out how they got my information and why they were reporting negatively to my credit report they were not having they just wanted me to pay for something that is not mine realizing i was not getting anywhere with them. i made a fraud report with the identity thief at the web site ( Will add report ) in accordance with the fair credit reporting act convergent the accounts have violated my rights 15.us1681 section 602a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. I would like to have these account listed on my report to be deleted of my credit report permanently not to be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

several letters sent to the credit reporting agency asking to validate the debt, police report filed and sent to credit agency requested several times via section 609 of true validation. agency reported back verified, not validated. complaints filed with ftc and multiple letters sent asking for validation. have tried to call in and no help. 
collection remains unvalidated and has been removed from other credit reports Jennifer CUSHMAN, Plaintiff, v.

TRANS UNION CORP., Defendant.

No. 95-CV-1743.
Product: Credit reporting, credit repair services, or other personal consumer reports

reviewed my Consumer Reports and noticed that I had 1 late payments on an account 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 account : Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Product: Student loan

I have submitted multiple Public Service Loan Forgiveness certification forms over the years, and have received a letter back indicating that my payments were counting toward PSLF eligibility. However, when I finally made it through all 120 payments and should have been eligible for forgiveness, I was told by XXXX that, in fact, my repayment plan does not qualify for PSLF, and that I'll need to select a new repayment plan and start over on those 120 payments. This is shocking and devastating news, and I feel like I was misled here tremendously. I feel like I'm being denied loan forgiveness based on a technicality that I wasn't even made aware of. I've stayed in public service all these years, accepting lesser pay, believing that at least I'd get a break on my student loans. I feel betrayed.
Product: Checking or savings account

On XX/XX/2020 three transactions were made on my accounts. The first one was a transfer from my saving to my checking in the amount of {$2000.00} cents to my checking, that was the entire money that I had in my saving, leaving my saving account with a balance of XXXX. On the same day a withdraw of {$1600.00} and another withdraw of {$1500.00} was made on my checking account leaving my account with {$160.00}. I called Citibank on the same evening of XX/XX/2020 to let them know that I didnt make these transactions. Citibank told me they were going to investigate and they sent me a letter telling me they are not going to refund me because the transactions were made with my debit card and pin # and since I didnt report that I lost my card, they are not responsible. My card was always in my possession and no one knows my pin # therefore I didnt have any reason to call them and let them know about my card. 
Please help me resolve this case.
Product: Debt collection

XXXX XXXX is XXXX. 
XXXX and can not pay debt due to his XXXX. 
It is the responsibility of Medicaid and Medicare of whom is Responsible for XXXX XXXX. 
XXXX has to attempt to collect from XXXX and XXXX. 
XXXX is sending threatening notices to my residence after XXXX XXXX repeatedly asked XXXX to stop sending letters to my house. 
XXXX XXXX spoke with Supervision of XXXX and informed XXXX of the situation. 
XXXX has sent XXXX XXXX XXXX different letters for collection for a 2022 debt that XXXX XXXX is not aware of A debt was never attempted to be collected or asked for in 2022. 
XXXX is spamming XXXX XXXX mailbox. 
Please ask XXXX to Cease and desist all Spam letters.
Product: Mortgage

I am having a very difficult time with Select Portfolio Servicing. After my CARES ACT COVID Forbearance SPS is refusing to review me for a loan modification to fix the past due balance. I have submitted but it gets kicked out. I am now back to work full-time. My income was greatly affected by the pandemic. I was told when I went into the forbearance that SPS could resolve at the end. Now that I am back to work my income qualifies for approval. I am not trying to lower the payment. Just get back to current. 
I am filing a complaint to help save my home and get my modification documents in review.
Product: Debt collection

This Collection must be reported in error. Please provide me with the Validation of Debt and stop reporting it without VOD. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST remove this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion stil showing this account open and is on my bk.
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 privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 persons knows or has reasonable cause to believe that the information is inaccurate.
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 XXXXXXXX XXXX XXXXXXXX Account Number XXXX, Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX, Account Name XXXX XXXX XXXX Account Number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX XXXX XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX  XXXX XXXX Account Number XXXX, Account Name XXXX XXXX  Account Number XXXX, Account Name XXXX XXXX  Account Number XXXX, Account Name XXXX XXXX XXXX Account Number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX Account Number XXXX has violated my rights. 15 U.S.C 1681 section 602a states I have a right to privacy. 15 U.S.C 1681 section 604a 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 my make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven ( 7 ) 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.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital one 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 in 60 days 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 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 8
Product: Credit reporting or other personal consumer reports

Subject : Notice of Default and Opportunity to Cure REF : Dear XXXX, I am writing to notify you that your actions in connection with the alleged debt have led to a default on your part. This letter serves as a Notice of Default and provides you with an opportunity to cure the identified breaches in accordance with applicable laws. **1. Default in Arbitration Agreement ( Federal Arbitration Act ) : ** - **Remedy : ** Cease all collection efforts immediately and proceed to arbitration. - **Legal Reference : ** Federal Arbitration Act ( 9 U.S.C . 1 et seq. ) **2. Violation of Privacy Laws and Unauthorized Reporting ( 15 USC 6801-6808, 15 USC 6802 ) : ** - **Remedy : ** Cease any unauthorized reporting and rectify the violation of privacy laws. - **Legal Reference : ** 15 USC 6801-6808, 15 USC 6802 **3 . Fair Credit Reporting Act ( FCRA ) Violation ( 15 USC 1681 ) : ** - **Remedy : ** Ensure accurate reporting and validate the debt appropriately. - **Legal Reference : ** 15 USC 1681 **4. Forgery Allegations ( Fair Debt Collections Act - 15 USC 1692e ) : ** - **Remedy : ** Provide the original expressed written consent to be a debtor/consumer or cease collection efforts. - **Legal Reference : ** 15 USC 1692e **5. Responsibilities of Furnishers Violation ( 15 U.S. Code 1681s2 ) : ** - **Remedy : ** Comply with responsibilities as furnishers of information. - **Legal Reference : ** 15 U.S. Code 1681s2 Failure to cure these defaults 21 days from the date of this letter will leave me with no option but to pursue legal action to enforce my rights and seek remedies under the applicable laws. I will seek damages, injunctive relief, and any other remedies available under federal law.
Product: Credit reporting or other personal consumer reports

I have items listed on my file that I did not charge. 
ACCOUNTS : XXXX XXXXXXXX XXXX  {$15000.00} XXXX XXXX XXXXXXXX {$7000.00}
Product: Vehicle loan or lease

This loan was charged off and closed by the company and is still affecting my ability to get any auto loans or use my credit because it is being reported even though it is a closed account.
Product: Vehicle loan or lease

We had a 42 month lease which was due to terminate in XXXX of XXXX. We paid off the balance remaining in order to fulfill our financial responsibility to the lease. The car was under the allowed mileage and in good shape. The lease was terminated on XX/XX/XXXX. On XX/XX/XXXX we received the attached letter ( dated XX/XX/XXXX ) which indicates a Gross Early Termination Amount of {$13000.00} and also indicates that the amount may be more. My husband and I called Chase immediately and spoke with XXXX ( XXXX at XXXX EST  XX/XX/XXXX ). XXXX was unable to explain why we received the letter and or explain the gross early termination amount. At one point she admitted the letter must have been sent in error but was still unsure of why we received the letter. We then asked to speak with a manager, XXXX ( XXXX at XXXX EST XX/XX/XXXX ) who was also unable to explain the charges or why we received the letter. This is concerning when no one at Chase can explain why we received a termination letter in the amount of {$13000.00} with the chance that it could be even more. The letter attached is deceptive to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Commonwealth financial Systems debt amount is XXXX account # XXXX opened on XX/XX/XXXX and XXXX XXXXy amount XXXX the account number # XXXX this was opened in XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY CHECKED MY CONSUMER REPORT AND SEE SEVERAL UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. SEE LIST BELOW : XXXX. XX/XX/year> EQUIFAX XXXX XXXX XXXX. XX/XX/year> EQUIFAX XXXX. XX/XX/year> EQUIFAX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX. XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to fix this issue, XXXX address is a non-existing address, the other is a XXXX XXXX . I tried to open a TransUnion service account it's going nowhere 's The people on the phone are not in the XXXX and know very little XXXX they said they need my address. I gave it to them, it's been the same for XXXXyrs. Furthermore, I get put on hold hang up or silent call, it goes nowhere. I don't think they understand you and they're trying to get a translator. Not only that, but I just wanted to correct an address on my credit report that was wrong. 
Is there another way I can dispute my credit report with TransUnion
Product: Mortgage

I lost my job in XX/XX/XXXX. I have been seeking work befitting my qualifications and experience as a XXXX XXXX XXXX. I applied for Mortgage Forbearance through Truist Bank. I was granted XXXX for XXXX, XXXX and XXXX. I was current on my mortgage payments. I made the payment for the month of XX/XX/XXXX. I have missed XXXX and XX/XX/XXXX. 

Since I had yet to secure a job, I applied again for Forbearance in the middle of XX/XX/XXXX. My credit score was XXXX in the month of XX/XX/XXXX. It was my understanding from all sources of research, including the CFPB website, that if one was current as of the time Forbearance was granted, one could not be subsequently be declared Delinquent, as in fact, the mortgage should still be considered current. 

Imagine my surprise to learn that Truist had declared me Delinquent and crashed my credit score by XXXX points. I have notified Truist that they can not wreck a credit that I had been painstakingly building for years. They keep lying to me that they could report me as delinquent to Credit Reporting Agencies. This is just not right. This would lead to a perverse outcome where somebody who is struggling would find it even harder to get back on their feet, due to wrecked credit!
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

UCB started calling me today XX/XX/XXXX while I was at work. They left a voice message saying they were trying to collect a debt. When they bought my account from another bank in XXXX, I was very up front with them : Please only contact me in writing. Im not trying to hide from them. I didnt demand that they cease communicating with me completely. I just asked them to put everything in writing so I would always have a paper trail. Ive paid what I can on the account for the past couple years, and they have my e-mail address and my current home address on file if they need to get in contact. The phone call today was completely out of nowhere and it disregards the earlier agreement. This is a violation of 15 USC 1692c in the Fair Debt Practices Act. Im attaching the confirmation their compliance department originally sent me in XXXX, where they acknowledged my request and stated they wouldnt call me anymore. Im also attaching a screenshot of todays phone call.
Product: Checking or savings account

XXXX XXXX XXXX keeps trying to debit my account with Bank of America snd my account is constantly being hit by fraudulent charges that BOA credits and then reverses. They are not in my side and have gouged me financially with multiple overburdening overdraft charges. I called them several times to be met with brick walls what they are doing has to be unlawful
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Student loan

I am completing a XXXX and had placed my private loans from Navient in " in-school deferment '' status. They were suddenly placed in repayment status recently despite my being in school full time. The promissory notes for the loans which were serviced contains a section which states that whenever I attend a university which is eligible for signature student loans, then my loans will be placed in deferment automatically, whether I request a deferment or not. Upon calling Navient, I was told that it was their policy that private student loans can only be deferred for 48 months while in school. This is contradictory to the promissory note I had signed. I brought up this point and was told that I still could not receive the deferment. The promissory note also describes how any changes to terms outlined in the note would need to be approved in writing by XXXX the lender and borrower. I did not approve of a limit to in-school deferments and filed a complaint with the company. I would like this issue looked into as it seems to violate the terms of the original loans, which were issued by XXXX XXXX before Navient began servicing the loans in 2014. 

I have attached my original loan documents along with the promissory note I signed. On page XXXX can be found the terms of in-school deferments and on page XXXX is a paragraph stating the following : " Any such sale will not result in any change to the loan terms or the loss of any advertised borrower benefits, which will continue subject to their original terms and conditions. However, student loan terms and advertised borrower benefits may change if I choose to consolidate my loans. '' I have not consolidated and believe I have a right to the in-school deferment as outlined in the promissory note in the in-school deferment section on page XXXX.
Product: Debt collection

I received an email saying I owed a debt of {$370.00} to XXXX XXXX XXXX. However, I have never had an account with this company and, upon further investigation, learned that the name associated with the account was " XXXX XXXX. '' This is not my name and I don't know anyone by this name. I have also had the email address used by the debt collection agency for many ( ~13 or 14 ) years, so it is unlikely that it ever belonged to anyone else. After googling the name XXXX XXXX it appears that someone of that name died in 2014, so it seems like this may be an old debt rather than a case of a debtor supplying creditors with a false email address. It seems possible that this is simply an attempt to frighten random email addresses into paying off a debt of someone who has been deceased for a while. The debt collection company was TrueAccord, who stated that they were operating on behalf of XXXX XXXX XXXX. The person who emailed me was XXXX XXXX ( XXXX ).