23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received a letter from XXXX the holder of my student loan, that they transferred my loan to a company called Firstmark Services. I was given contact information and a address for where to send my payments. I registered on their online student loan account, but saw no activity or an account set up for my XXXX student loan. I called Firstmark Services to inquire about my student loan account after I sent a payment to them on XX/XX/XXXX and saw no activity on line. I was told by a loan specialist, XXXX that XXXX never transferred my loan to Firstmark Services. 

I told XXXX that Firstmark Services cashed my check on XX/XX/XXXX. I asked him if the money was never applied to my loan account then where was it applied, he said he did n't know. During the conversation he agreed that I needed a refund for the payment, because it was never applied to my student loan account, because I did n't have one at Firstmark Services. Since XX/XX/XXXX I have tried to work with XXXX to obtain a refund for the payment that was never applied to my account, because I do n't have an account with Firstmark Services. 

XXXX does n't return my calls. He claimed that he put in a requests for a refund on XX/XX/XXXX, but as of today I have received no check from Firstmark Services. I tried to call XXXX but was unable to get pass the automated system to speak to a live person. I have been making the payments to my loan with the previous company, XXXX who XXXX transferred the loan to first before tranfering it again to Firstmark Services. 

i need to get a refund from Firstmark Services for the money I sent to them that is not being applied to my student loan account.
Product: Debt collection

I am writing to you with a sense of urgency and frustration regarding the fraudulent accounts that have infiltrated my credit report. It is imperative that you take immediate, aggressive action to rectify this situation, as it is causing severe damage to my financial well-being, and I hold Experian responsible for allowing these errors to persist. The following fraudulent accounts have been reported on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand that the Fair Credit Reporting Act ( FCRA ) requires credit bureaus to investigate and correct inaccurate or fraudulent information within 30 days of receiving a dispute. It has been well beyond this timeframe, and the continued presence of these fraudulent accounts on my credit report is causing me significant financial distress. I kindly request an immediate and thorough investigation into these matters, followed by the removal of the fraudulent accounts from my credit report. Additionally, I request that you provide me with a written explanation of the actions taken to resolve this dispute within the legally required timeframe. Failure to comply with the FCRA 's requirements may result in legal action to protect my rights as a consumer. I trust that it won't come to that, and that you will promptly address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. i have filed a police report and a report with the company. This account was opened without my consent or knowledge. I have the right to be protected by consumer rights laws.
Product: Credit reporting or other personal consumer reports

I have noticed several accounts on my credit report that do not belong to me, and I have no knowledge or affiliation with them. This is not only unjust but also deeply troubling. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to a credit report that is accurate and free from any erroneous information. These inaccuracies are having a negative impact on my financial standing, and I demand that they be rectified immediately. I expect a thorough investigation and correction of these errors. If this issue is not resolved promptly, I will pursue legal action to protect my rights.
Product: Debt collection

GC services garnishes my bank account for {$900.00} for reasons unknown.
Product: Debt collection

I am unaware of doing business with this company! It looks like my information. Was sold without my consent to Jefferson. Capital. This is clear FTC violation of code 15 USC CODE 1681S-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$25000.00}
Product: Vehicle loan or lease

XXXX of year 2017, for Consumer Portfolio Services , Inc. Offer me a loan for XXXX XXXX and 72 months to pay it off with high interest. Considering the circumstances, I sign the contract. Fast forward Im in my 5 year and was very excited that I was only 1 year too pay this loan off after I paid over XXXX. I was disappointed that the company gave me a statement provided that I still owe XXXX and after I call stated my payoff will be a couple of years from now. I am a hard working XXXX that pay the bill on time and very accountable and dependable. This is company need high attention and investigation. Totally untrustworthy, harassing, fraud, embarrassing, most important negligence of contract. Provide false statements on bills to me and perhaps other customers need to stop and respect good clients that pays there bills not to be ripped off, please support, thanks in advance.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX and this statement is being written by myself. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of the listed accounts. 

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

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under National Credit Systems. I requested a validation on XX/XX/XXXX as there were several discrepancies that were identified with this account that I do not believe I owe. I reviewed my credit report again on XX/XX/XXXX and the account was listed as disputed by consumer and therefore a 2nd letter was sent at this time. Partial verification was received however the documents were incomplete and incorrect ; forms did not include a payment and delinquency history, lease agreement was not in its entirety and amounts owed per the lease agreement do not add up to what is on the ledger, the ledger does not include credit for pet deposits and the apartment number listed is not correct and reports that the apartment was carpeted when the unit did not have any carpets whatsoever. After receiving the partial verification the agency was contacted via phone call on 3 different occasions and 3 different escalations however no corrections have been made. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the debt is correct or valid and this account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this debt belongs to me and all information being reported is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A man named XXXX called my company and said he was with XXXX XXXX XXXX and was trying to collect a debt on behalf of XXXX XXXX ( an advertising agency we use ). He said our company owed {$680.00}. I told him I would look into the matter and call him back. He told me to call him at XXXX. After finding that all invoices had been paid and all checks had cleared, I got suspicious and XXXX  the phone number. I saw that others had reported it as spam and even mentioned a XXXX calling them. 

I then XXXX XXXX XXXX XXXX and called the phone number listed on their website. I was told they do handle XXXX XXXX 's accounts and put me in touch with a representative named XXXX. She said our only balance with XXXX XXXX is {$190.00} and that it is still current. I asked if a XXXX worked for them and she told me there was a XXXX there but she didn't know why he would have contacted me about a past due balance. 

I do not feel that XXXX XXXX XXXX has done anything wrong, but that someone is using their business name to get credit card information.
Product: Debt collection

I have a debt in collections with Hauge Associates , Inc for XXXX debt. I called XXXX to remit payment for my debt via XXXX cards. They informed me that there would be a {$20.00} card processing fee for both payments if I was not able to remit payment via a checking account draw. I complained, and they waived the fee for me. However, I firmly believe this is predatory in nature and they should not be able to charge a fee such as this to any people in debt. As a person with medical debt in collections, my ability to pay excess fees is non-existent. Please prevent this company from charging or threatening to charge a fee for recieving payments. 

There address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt is not my nor do I have the knowledge of owning or opening this account
Product: Checking or savings account

I opened checking and savings accounts with Capital One based on their advertised competitive interest rates, which were promoted as higher than the market average. This offer played a significant role in my decision to bank with them. However, after several months, I noticed that the interest rates applied to my accounts were significantly lower than what was contacted Capital One customer service to address the issue. Despite my efforts, I was only given vague explanations, with no resolution or acknowledgment of the misleading information provided during the account opening process. Additionally, the terms and conditions I reviewed at the time lacked clear details about how rates could fluctuate or the specific requirements to qualify for the advertised rates. 

This situation has caused frustration, as the advertised rates were a critical factor in choosing Capital One. I request a full review of my accounts, a transparent explanation for the discrepancies, and steps to ensure future customers are not similarly misled.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to the nature of " EQUIFAX '' reporting inaccurate information on my credit report which is hurting my credit worthiness. I have contacted " EXQUIFAX '' and submitted documentation that " XXXX XXXX '' removed the collection due to the nature of fraud that was committed in my name. Please see the documented letter from " XXXX XXXX '' stating that this account would no longer be reporting. 
Under 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ). 
This is a clear violation of my rights and violates FCRA LAWS. Section 607 ( b ) of the FCRA provides that [ w ] henever a consumer agency prepares a consumer report it " SHALL follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

" EQUIFAX '' has violated these laws.
Product: Credit card or prepaid card

SUBJECT : Capital One Master Card Account We opened an account with you 16 years ago, in XX/XX/XXXX. We did not understand how cash advances worked or how you charged a higher adjustable interest rate vs the interest on purchases. The way we now understand it is this. If we pay the minimum due, its applied to the purchases balance and nothing is applied to the cash advance balance. The cash advance balance just keeps building with an interest rate of approximately 26 %. Just call us XXXX. Just call Capital One crooks.

After many calls and discussions with many customer service reps at Capital One over the past few weeks, we finally discovered the following : Cash Advances from XXXX XXXX XXXX XXXX in XXXX, MD as follows : XX/XX/XXXX {$100.00} ; XX/XX/XXXX {$300.00} ; XX/XX/XXXX {$300.00} Please be advised that XXXX XXXX XXXX DOES NOT GIVE ANY CASH ADVANCES. THE TWO IDENITICAL AMOUNTS OF {$300.00} ON TWO DIFFERENT DAYS IS SUSPECT. IF AMOUNTS ARE CORRECT, THEY WERE FOR PURCHASES, NOT CASH ADVANCES! We have been paying CASH ADVANCE interest on {$700.00} for 12 years when they should have been PURCHASES???
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 US Code 1681 ( c ) The term consumer means an individual. 5 U.S. Code 552a - Records maintained on individuals ( a ) defines, for purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph. According to 15 US Code 1681e - ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. *****COMPLAINT****** Reporting agencies reflecting inaccurate information on consumer record. PORTFOLIO RECOVERY A, is reporting as an original creditor to XXXX and EQUIFAX. The consumer never entered into an agreement to a loan with this company. The reporting agencies continuing to reflect the collection account on the consumers record will constitute willful non-compliance and under 1681n, section discuses that in general, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Consumer is requesting this inaccurate tradeline be removed immediately or pay {$1000.00} for each month each agency continues to report the tradeline.
Product: Mortgage

On XX/XX/2019 I applied for a Home Equity Line of Credit with Chase Bank and was given a loan number. The process got underway and over the next several weeks I provided all the documents required for the approval process to move forward. I provided several years of paycheck stubs, W-2 's for the last 2 or 3 years, last 2-3 years of official Tax returns as well as homeowners insurance, property tax statements, investment property documents among many other things. All along the same time my Tax Attorney & Tax Accountant ( CPA ) provided me guidance and gave me no reason why I would not be approved for a HELOC. The home was appraised at over {$630000.00} and I owe just over {$310000.00} on the home to the bank which gives me just at 50 % equity in my property. I was approved by Chase for {$180000.00} HELOC which is roughly what was allowed by lending guidelines for me to get as a loan. Long story short is that I was contacted by the bank on XX/XX/2019 and was told by XXXX that they could not extend me a HELOC due to my income to debt ratio. I make about {$130000.00} per year in income from my employer, have about {$8000.00} in rental income each year and have equity in my home as well as all my other investment properties are completely debt free. I have no other debts, no credit card debt, no automobile loans at all and have a FICO credit score of XXXX. When XXXX contacted me about this and gave me the news that Chase could not extend me a loan ; I pushed back and disagreed with the decision. I pushed back even further and told her that if Chase could not extend me a loan then I needed Chase to send me a letter stating such and why as well as send me all the paperwork that went into the decision as to why I was being denied the loan. I then got a call from Chase today XX/XX/2019 where they further explained their decision but after further review they were going to extend me a credit line of {$28000.00} or so. I find this really hard to believe that with my credit score & equity in home that the bank can not provide me access to my own equity in my home. I believe I have been deceived by Chase Bank as their own employees can not agree on what I qualify for by changing their position after I pushed back at the initial decline of credit. I have not received a loan decline letter yet but should receive this shortly. I am not sure if why they would not loan someone with great income, impeccable credit score and no debt other than my primary residence a loan but something is not right about this. Is it because I am a Veteran, is it because of my age, I don't meet their " quota ''? I plan on finding out the answer and will not pursue this matter to the fullest extent of the law and will spend money to prove it to myself or them as to who is right or wrong.
Product: Credit reporting or other personal consumer reports

There are a number of addresses on my credit reports that are not mine. I am attaching my current driver 's license with my current address. I've contacted the three reporting agencies and requested that the addresses be removed and they advised that they could not remove them. Per the FCRA I am entitled to fair and accurate reporting in all areas of my files.
Product: Credit card or prepaid card

Synchrony Bank reported my credit report a 60 days delinquent and they have refused to correct the information being reported on my credit, I have started a dispute with the 3 credit bureau wich XXXX is the only one that was able to correct the information as per the documentation I provided, the other 2 Bureau still pending since Synchrony bank refused to correct the information. 
Attached is the proof where it shows that a check ( check attached ) from a XXXX XXXX account was mailed to Synchrony bank on XX/XX/2019 with my synchrony bank account in the memo line, and a letter printed on XXXX ( letter attached ) from Synchrony bank was mailed to me stating the payment I sent on XX/XX/2019 was unable to post my account because they were having difficulty identifying my account, even though my account number was written on the check ( check attached ). 
After I received that letter a second payment attempt was made to make a payment and as far I was concerned the payment posted my account and received a refund check back for overpayment ( check attached ) about 30 days letter I received a letter printed XX/XX/2019 ( attached ) stating they were unable to post the payment again because they were unable to find the bank information. I attached the information of the XXXX XXXX with the bank information to verify that the check had funds available to be cash. Synchrony bank is reporting delinquency on my credit report and that information is incorrect since I have attached proof showing otherwise.This situation is affecting my life financially since it has had a big negative impact on my credit score and at this point im unable to refinance my XXXX  XXXX for a lower rate due to Synchrony Bank wrongly reported my account 60 days late and they still refusing to help in any way. 
Thank You Very XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion on XX/XX/XXXX and again 45 days later. They are refusing to remove these inquiries from my credit report. I want them removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus put a statement on my report but DID NOT remove the inquiries that were a result of fraud. Delete these immediately. 

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