23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I consolidated my loans originally in 2007 for a certain amount. After I consolidated and signed my consolidation papers, the servicer added an additional {$100000.00} into the consolidation without my knowledge or approval. Now Im being forced to pay for loans that I didnt take out.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX we called our mortgage company ( Bank of America ) and asked if we could refinance at a lower rate with some additional funds to help us get through this difficult time ( unemployment ). It was then that we were offered a Home Equity Interest only Line of Credit. At the time the real estate market was booming and they offered us a huge loan. we were told we would qualify for the HARP program just take the line of credit, in addition to that, we were working with a representative never actually getting a modification payment. We were offered a payment that was higher in fact, so high we couldnt make the payment. This continued with XXXX XXXX a new representative because the other one was laid off. XXXX stated if I show good faith by making 3 payments they would continue to work with us and find a way to consolidate both loans. I asked XXXX XXXX If they could apply a percentage of debt forgiveness to make both loans affordable. Instead my 1st mortgage loan was sold to XXXX leaving me no other option but to pay both loans individually. Unfortunately for me I was not knowledgeable enough to get it in writing her promises before making those payments. 
The two loans would have totaled XXXX a month totally unable to make that payment while on XXXX. 
I have since called them imploring them to please work with me even as recently as XXXX/XXXX/XXXX. My original mortgage was with boa and they sold the loan to XXXX as soon as i made 3 very high payments to them deceiving me by not combining the two loans making them affordable to us. They lied so many time to me and worst part is they never gave me a modification. They never explained to us the fact that the mortgage was a priority not the line of credit. I never would have fell behind if i was n't paying the interest on the line of credit. I did n't understand my allegiance belonged with my mortgage. THEY ARE THE ONES WHO TOLD US WE WOULD NOT BE ELIGIBLE FOR ANYTHING BECAUSE WE WERE NOT LATE WITH ANY PAYMENTS!
Product: Debt collection

I had a contract for an auto loan with a co buyer the co buyer went chapter XXXX to pay off car loan. this was a two party contract with buyer and co buyer. On XX/XX/2020 Financial Assistance Inc made this an individual account without my knowledge and put it in collections as my sole responsibility in the amount of XXXX I disputed through XXXX who only showed the contract with buyer and co buyer not as an individual account. Does a collection agency have the right to change a contract without the persons approval is this fraud.?
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with Experian and XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that these accounts must be investigated and updated XXXX XXXX XXXX XXXX XXXX Balance {$870.00} ; XXXX XXXXXXXX XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance {$4000.00} ; XXXX XXXX XXXX Balance {$33000.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$39000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This Information is Incorrect, remove. 

XXXX XXXX This Information is Incorrect, remove XXXX XXXX XXXX XXXX This Information is Incorrect, remove XXXX XXXX XXXX  XXXX This Information is Incorrect, remove The following personal information is incorrect. 

XXXX XXXX, XXXX. XXXX, NY. XXXX
Product: Credit card or prepaid card

On XX/XX/2020, the day these fraudulent charges were discovered. XXXX XXXX reported the charges to an XXXX agent ; the result of which the agent determined that the charges were fraudulent and that XXXX XXXX was not liable. The amount of these fraudulent charges were {$12000.00}. 

On approx. XX/XX/XXXX or XXXX, 2020, Amazon Visa unilaterally charged XXXX with approx. {$8900.00}. These charges were again disputed by letter on XXXX XXXX, 2020. See Attached letter to Chase Bank. 

All of the charges listed in the attachment from Chase Bank were fraudulent and unauthorized. These charges were made after XXXX XXXX took my credit card which was then sold to another scammer. 

Most of the merchants in the detail printout I have never visited or made any purchases for example, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, or the XXXX XXXX. 

Chase states next to each transaction on the printout of fraudulent charges, that " you have received the benefit from this transaction ''. This is inaccurate as I did not benefit from the transactions because I did not make any of the purchases nor did I authorize the fraudulent charges. Chase has not contacted XXXX XXXX as of this day, XX/XX/2020, nor have they contacted me, the cardholder, for a sworn statement. Chase has not shown any video with my image making these transactions. 

**Please note : On the attached affidavit, it states that the fraudulent charges are highlighted in yellow. However, I have attached the current printout from Chase so the charges will not be highlighted in yellow.
Product: Credit reporting, credit repair services, or other personal consumer reports

The JPMorgan chase & Co is not following the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROMIBITION ( A ) Reporting information with actual knowledge of errors 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 inaccurate.

As Defined by the IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax Return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
By Definition The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account JPMCP CARD, ACCOUNT # XXXX as a debt is inaccurate. 
15 USC 1681 s-2 Says you JPMorgan chase & Co are a furnisher of information to a consumer reporting agency.

YOU ARE PROHIBITED BY LAW to furnish inaccurate information. so they should delete account JPMCP CARD, ACCOUNT # XXXX FROM MY XXXX, XXXX, XXXX and to consumer reporting agencies. 

this is the tracking number # XXXX and attached file to show proof of violation
Product: Credit card

I am disputing the collection account with CAINE & WEINER XXXX account number XXXX, dated XXXX, with a balance of $ XXXXThis account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that CAINE & WEINER XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

Hi, I have submitted request multiple times to have the extended fraud alerts removed off my credit file from experian, transunion and XXXX. I have uploaded and sent all required documents and have not been able to get this accomplished.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. 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 paymen t reported in 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 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
Product: Debt collection

A collection under my name is reflecting my credit report bureua, impacting my report negatively. 
I contacted the company Enhanced recovery corporation at tel. XXXX, i spoke to a representative name XXXX and supervisor XXXX XXXX, asking information on this case. 
They explain that it was a account for XXXX on a adress that doesnt belong to me, they ask me to contact direct tv since they dont even have my social securitu number and the adress that reflects on the account its not mine. 
I spoke to XXXX, and they told me that they would contact Enhanced recovery corp, to alllow 10 business day for this collection to be remove from my credit since it didnt belong to me. 
The collection is still on my credit report and when i now call Enhanced recovery corp, they tell me, that they cant talk to me about this account since it doesnt belong to me. 
This collection is really affecting my chances to buy a property, and i will appreciate your help.
Product: Payday loan, title loan, or personal loan

Loan was paid in full on XX/XX/XXXX resulting in a over payment of around {$650.00}. Few days after loan was paid, I called and requested a refund on the over payment. Towards end of XXXX, I called to see what the stasis of my refund was and the gentlemen stated a check was mailed on XX/XX/XXXX and due to the pandemic, the postal services were being delayed even though I've received all other mail correspondence pertaining to the loan being paid in full. I also checked with my local post office and was told that there were no delays in the mailing service and everything is on schedule. So I waited and called them back on XX/XX/XXXX and let them know I still haven't received the refund check. Now they tell me the check was not mailed on XX/XX/XXXX but was mailed on XX/XX/XXXX. Today is XX/XX/XXXX and still haven't receive my refund. After checking into this loan company, I see they have multiple complaints against them for doing the same thing and giving consumers a hard time refunding money with the XXXX. These complaints stem back several months way before the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquired on my credit that could have been avoid due to XXXX computer coding error my credit information has been compromised. I made several attempts by mailing letters to these companies and all three credit bureaus informing them that they were reporting inaccurate information on my credit report and to please remove the inquires. I have attached to send letters to XXXX, XXXX, and Experian to resolve this matter.
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 XXXX XXXX, XXXX XXXX  XXXX and all payments were placed on Autopay. 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 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 those account 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 XXXXXXXX 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
Product: Debt collection

Neither the medical center ( XXXX XXXX XXXX ) nor the debt collector ( Receivable Management Systems-RMS ) that the medical center referred my debt to would accept payment directly. XXXX XXXX XXXX refused to take my payment over the phone and refused to take my credit card information. I replied to XXXX XXXX XXXX 's request by USPS mail and included my credit card information. They returned it without accepting and taking payment. I spoke with RMS several times beginning in XXXX and documented several conversations with a " XXXX '' and a " XXXX ''XXXX XXXX XXXXXXXX. Again, even the debt collector refused to take my payment over the phone. They said I could only make a payment online. Additionally, RMS now claims that while the original debt owed to XXXX XXXX XXXX is {$250.00} RMS now requires a payment of over {$440.00}, XXXX an additional fee of over {$190.00} ( an increase of over 156 % ). At first XXXX claimed that the original fees owed were {$350.00}, an increase of {$98.00} and then claimed in a separate call later that same day that the new amount owed is over {$440.00}. Not only do I believe these fees to be unreasonable, but they are also in fact predatory. The last communication of Total Balance owed that I received from XXXX XXXX XXXX was for {$250.00} is dated XX/XX/year>. I tried many times to speak with " XXXX '' and " XXXX XXXX '' in Billing XXXX XXXXXXXX XXXX XXXX XXXX after receiving the notice, we tried many times to settle and resolve the debt. They refused to take my credit card information over the phone. We then mailed our credit card information to XXXX XXXX XXXX. They again refused to accept payment and claimed that it's too late and because they have already sent my debt to collections, they will no longer accept any settlement of my debt. They explained that even if we came into their office with cash, they would not accept a settlement of my debt. We have made several calls into both RMS and XXXX to try to resolve this debt. Without any progress or success. As of today XX/XX/year>, my husband made a payment online with RMS ( XXXX XXXX on my behalf to pay the amount owed to XXXX for {$250.00} - Account # : XXXX Reference # : XXXX # : XXXX - Customer Service # : XXXX I believe that I have satisfied my debt and request that the debt should be considered settled without any additional monies or fees owed to RMS nor XXXX. RMS demands additional payments totaling fees of over {$190.00}. Again, this collection fee is unreasonable and predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting 30day late payments on three of my accounts XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Pursuant to 15 U.S Code 6802 States that a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any personal information. Transunion is the third party and is in direct violation of this code. This type of reporting is also violating my right to privacy. Privacy Act 1974, Transunion never disclosed to me that I could opt out but assumed I opt in to this negative reporting, THAT IS INFACT IDENTITY THEFT.
Product: Credit card

CAPITAL ONE FINANCIAL CORPORATION XXXX XXXX # XXXX ( sec ) XXXX Capital One XXXX XXXX XXXX Virginia XXXX My XXXX is XXXX XXXX and this XXXX is the most dishonest and incompetent company Ive ever dealt XXXX and I know of every single lawsuit against them and class action and their check cashing ponzi Scheme with the Italian mafia that total XXXX transactions and over a XXXX in fraudulent transactions! 
They are in Direct violation of the Deceptive practices act, the truth in Credit act, FCRA, Fdcpa, and federal law of every kind! This is a demand that their executives and office of the president fix my account limit and take off the hold and give me a XXXX dollar limit on the XXXX XXXX and take off the restriction that has been on my XXXX XXXX and raise the limit to at least 2000. Ive done the identification process XXXX times and 5 times with a specialist on the phone while I uploaded everything and they verified everything and still wont let my card work.. The Trustee of their indenture agreement is XXXX XXXX XXXX XXXX XXXX XXXX  and I will sue everything that you have for the dishonest conduct
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax announced on XXXX XXXX that the suffered a massive security breach which may have compromised the personal data for millions of Americans. I checked the " https : //www.equifaxsecurity2017.com/potential-impact/ '' website to see if I was potentially impacted. The website stated that my information may have been compromised.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX was bought by Accelerated Inventory Management , LLC and my loan was assigned to XXXX XXXX. For XXXX years I have been trying to discuss my loan with XXXX XXXX finally a company individual called me and stated he has my loan and he was a collection agent. I requested his full name and address, phone number so I can send a validation in debt letter. He directed me to pay {$2500.00} in installments for XXXX year to remove the debt! I stated no I have already paid a total of {$23000.00} towards the debt and when I requested a hardship payment plan through XXXX XXXX customer service account manager the collection agent stated if I do not make these payments they would place a lean on my home and garnish my wages! I reminded him of the Fair Debt Collection Act he told me he did not care just pay your bill you have a week to make a decision and hung up the phone! I called the original lender XXXX XXXX to discuss who was this third party the individual stated they sold my account! We discussed my agreement before they sold my account that I agreed to schedule my payments under a hardship program due to my spouse having undergone several operations and incurred medical expenses. Later I made another call to discuss my payment plan and the customer service representative stated there is no plan that employee no longer works here and your account was written off after 120 days non-payment. They never provided me the opportunity to resolve my debt? I requested a manager to authorize to play back the recording of our conversation discussing the hardship payment plan? Management never returned my call, letter, email nothing? I submitted a formal Consumer Financial Protection Bureau Complaint first on was no response, the second was an incorrect answer to my validation of debt discovered the account manager no longer works for lending club! Now on XXXX XX/XX/2023 I was served a summons by XXXX XXXX XXXX XXXX I was being sued by Accelerated Inventory Management , LLC. Which I sent legal answers to the summons and filed to include registered mailed to the attorney XXXX XXXX. All parties involved would never discuss or have a solution now they are taking me to court after years of non response. This has been a total nightmare and harassment of the worst kind they are operating like Loan Sharks breaking every Fair Debt Collection Practices Act Collection unfair debt collection practice! Reminder I was always transparent never avoiding the lender but they disappeared for years now coming after me legally with no validation or my stellar payment history before the hardship.
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTED WITH PROOF THAT I AM PROTECTED WITH THE ADDRESS CONFIDETIAL PROGRAM FROM THE STATE OF TEXAS FOR PVER FIVE YEARS YEARS THEY REFUSE TO REMOVE.
THEY HAVE NOT REMOVED ONLY ADDING THE XXXX XXXX USED TO RECEIVE MAIL MY DRIVERS LICENSE IS THE XXXX XXXX  AND THIS HAS CAUSED A BIG MOVE AND MISPLACEMENT