23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

ISSUE : XXXX XXXX mishandled or misapplied loan payment, incorrectly charged {$35.00} late fee, charges an exorbitant " servicing '' fee per transaction, and refused to answer any questions about payments. 

BACKGROUND : I have two outstanding Perkins loans from XXXX College for {$2300.00} and {$1700.00}. XXXX XXXX, a subsidiary of XXXX XXXX XXXX, services those loans. I made my first payment for about {$50.00} after my loans exited deferment. I did not receive a notice that my payment did not go through. My subsequent bill advised that I owed 2 payments for {$110.00}. I immediately made a payment on XX/XX/XXXX with an additional " service fee '' for {$1.00}. I made sure to enter in the correct bank account number. I received a payment confirmation on XX/XX/XXXX at XXXX XXXX. I did not receive any notice that my payment was declined or cancelled. 

On XX/XX/XXXX I received a " Second Past Due Notice '' advising that I owed {$130.00}. I immediately went to XXXX XXXX 's website and opted to make a debit card payment ( in lieu of a payment from bank account ). The requested amount was {$190.00} -- this was a different number than the {$130.00} quoted on their past due notice. I made a debit card payment. XXXX XXXX   charges an additional {$8.00} " service fee '' to process credit card/debit card payments. The total amount I paid was {$200.00}. I received a confirmation email at XXXX XXXX that my payment was received. 

After, I attempted contact XXXX XXXX 's customer service through the chat box. XXXX was the customer service agent that responded to me. I asked 1 ) why my payment did not go through ; 2 ) why they charged such a high service fee for credit cards ; 3 ) and if they had any record of my payments. She flatly refused to answer my questions. She advised I should contact my school, XXXX College.  After asking why she could not answer my questions she proceeded to immediately terminate my conversation with her, close the chat box, and making it impossible for me to copy and paste our conversation. 

COMPLAINT : 1 ) XXXX XXXX is mishandling student loan payments and unfairly and unlawfully charging late fees. 2 ) XXXX XXXX refuses to engage with student borrowers, answer questions, and provides false and misleading information to student borrowers.
Product: Credit card or prepaid card

On XX/XX/XXXX, my XXXX XXXX account was used to purchase {$860.00} worth of items from XXXX. This purchase was fraudulent. It was made without my knowledge or consent. I was contacted by Chase by an email alert of the transaction. I immediately contacted Chase and notified them of the fraud. I changed the shipping address for the items on XXXX from one in California to my usual XXXX shipping address in Alabama. When the items arrived, I returned them to XXXX. I have proof of the return. 
The fraudulent charge first appeared on my statement from Chase dated XX/XX/XXXX. I contacted Chase when I became aware of the fraudulent charge. Their Fraud Department said they investigated the fraudulent transaction. Their response was that I am liable for the charge since my account was used to make the purchase and the purchase was shipped to my address. 
I complained to Chase by phone a second time and received the same Fraud Department response. It is true my XXXX XXXX account was used to pay for the items purchased at XXXX, and it is true they were shipped to my address. However, it is also true the charge was fraudulent I DID NOT CONSENT TO THE PURCHASE AND IT WAS MADE WITHOUT MY CONSENT. 

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

The credit bureau keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681 i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681 b ( 1 ) the credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Debt collection

This is new information on this debt collector/ law firm that goes by Gurstel Law Firm PC. I attempted to settle this matter with this company by writing a letter to the XXXX XXXX XXXX. The letter was delivered to the front desk reception area or mail room at XXXX AM on XX/XX/ 2022, Tracking number XXXX. The letter i wrote pointed out a list of serious federal violations that the debt collector may be committing against me. XXXX XXXX 's debt collection/ law firm continues harass me about payment of a alleged debt I do not owe his company. Again, I never had a contract with this debt collector. But this company feels entitled to payment. Now the company is mailing threating letters to me in an attempt to extort money from me by threating to sue me if I do not pay. This is a violation of 18 USC 876. Gurstel 's Law firm claims they are attempting to collect a debt on behalf of XXXX XXXX which is a credit card company but pursuant to 18 USC 894 no person shall attempt to collect any extension of credit. Also, I made a phone call to XXXX XXXX on XX/XX/2022 around XXXX PM. I was connected to a representatives by the name of XXXX, I asked XXXX what was the status of my account and he says my account has been sent over to XXXX XXXX XXXX XXXX XXXX XXXX ) A XXXX XXXX XXXX. XXXX said this was the only company to handle my account. If a employee of XXXX XXXX is telling me he knows nothing about Gurstel Law Firm PC but multiple employees and attorneys at Gurstel Law Firm PC are saying they are attempting to collect a debt on behalf of XXXX XXXX. This sounds like it may be Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ). 

I've attached the threaten letter sent to me, saying Gurstel Law Firm PC will sue me if I do not pay within 10 days. I marked the letter for multiple violations please see attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A  ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX XXXX XXXX with the balance of XXXXacct. # as disputed by consumer within 30 calendar days since my first dispute on XX/XX/2016 and how I`m entitled to XXXX per occurrence for this violation. 

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 623 ( a ) ( 1 ) ( A ) if the XXXX XXXX XXXX with the balance of XXXX-acct is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

The item listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and you violated this law. 

I hereby demand immediately deletion of XXXX XXXX XXXX with the balance of XXXXacct. # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ). 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A  ), which you failed to mark as disputed within the first 30 days of my first dispute in 2016, which entitles me to XXXX for damages and other violations. I have copies of every credit report since 2016 showing you have violated the FCRA.
Product: Debt collection

I purchased a product from an online boutique in XX/XX/XXXX. I never received the merchandise and after many attempts to resolve with the merchant I filed a dispute to get my money back with Affirm. I paid in four installments through Affirm. I began the dispute in XX/XX/XXXX one of my cases were closed in error and I reopen the case in XX/XX/XXXX. The case is still pending resolution and I have been notified now that the debt has been charged off and will be sent to collections. I have also disputed this with my bank and have received two out of the four installments refunds. As the remaining two are also still pending resolution from my bank which takes roughly 45 days. I want this case resolved as refunded and removed from affirms records. I never received the merchandise and I have provided proof of that.
Product: Money transfer, virtual currency, or money service

Paypal have frozen my account on XX/XX/XXXX.and put a hold on {$9.00} USD for 180 days! 
after 180 days. on XX/XX/2020, PayPal Transformed XXXX USD from my account to their account. look at the picture down below. This is just unacceptable. 

i have invested a lot of money in inventory and advertising etc.I have worked hard for my money and it's disgusting what they are doing. They like to prey on smaller businesses who they feel don't have the means to fight back. That's complete robbery being performed under another name i was selling shovel.and all my orders were shipped and delivered through USPS.. 
they don't reply to my emails their phone lines are closed.
Product: Credit reporting or other personal consumer reports

I appreciate you making an effort to remove and repair some of the data on my credit report, but there are still items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or omitted as soon as possible. 
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: Debt collection

I am not liable for this collection debt with XXXX XXXX who sold my personal info to Portfolio Recovery Associates " without my consent ''. I do not have a contract with XXXX XXXXXXXX or Portfolio Recovery Associates, I have requested & " They did not provide me with the ( original contract or application ) '' like I asked after explaining that the account was fraud. they sent me a bill not the actual contract or agreement or my consent to even forward my personal information in the first place Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has already bin removed due to non ownership. XXXX XXXX in the amount of {$3000.00}
Product: Credit card or prepaid card

I reached out to Destiny over XXXX  month ago by telephone to let them know I have received their phone calls and I was unable to pay them XXXX in minimum payment because I have other debt obligations and my work hours were reduced due to XXXX. The representative told me they didn't have a program they could offer me. Because I haven't been able to pay all the late fees, interest, and minimum payment they are asking for, the card is seriously over the limit. I am reaching out to CFPB because I haven't been able to obtain appropriate help on my own to help resolve my debt. I would like to know if you are able to modify the payment for a few months to help me get back on track. I receive calls and texts but they refused to help me with an affordable repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX loan for a XXXX XXXX was not total cashed out according to the guidelines of the XXXX claim checklist filed with XXXX XXXX XXXX. The credit report show that the balance was charged off at XXXX. The balance should.be XXXXThis is affecting my debt.to XXXX XXXX and the vehicle was wrongfully repossessed... I have most documentation and will observe and report accordingly... 

XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

As of XX/XX/2023, I have successfully paid off the account balance and received a deletion. At the time of this complaint this account is still showing on my credit report.
Product: Credit reporting or other personal consumer reports

These are inquiries showing on my credit report that I did not authorize
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain items on my credit report that I believe to be inaccurate. Enclosed with this letter is documentation providing evidence that the accounts in question are not accurate. 

The errors on my credit report have caused me considerable frustration and concern. Despite my efforts to address these inaccuracies, they continue to negatively impact my financial reputation. 

I have attached a letter detailing the inaccuracies in question and providing evidence to support my dispute. It is essential that these errors are promptly investigated and corrected to ensure the accuracy of my credit report. 

I demand immediate action to rectify the inaccuracies on my credit report and restore the integrity of my financial profile. Furthermore, I expect transparent communication throughout the resolution process. 

Please provide me with written confirmation of the actions taken to address these inaccuracies and any updates or changes made to my credit report. 

I am deeply disappointed by the lack of accuracy and accountability demonstrated in the handling of my credit report. I urge you to prioritize the resolution of this matter and restore the accuracy of my credit profile without further delay. 

Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : [ XXXX XXXX XXXX ] Consumer XXXX : [ XXXX ] Consumer SSN : [ XXXX ] Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX 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 : [ XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX Reported Balance {$0.00} with a bal. of {$0.00}, XXXX XXXX ( CLOSED ) Account Number XXXX Reported Balance {$0.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. 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 ComplaintFTC Report Number : XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate correction action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Auto Account Number : XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 

I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 

Thank you for your immediate action to this issue. 

XXXX XXXX
Product: Debt collection

security credit has continuously kept on sending me collection notices after I have stated that i am a victim of identity theft.
Product: Debt collection

am writing to formally submit a complaint regarding multiple unauthorized accounts reported on my XXXX and XXXX credit reports by the following companies : Credence Resource Management I C System Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX ( listed twice on my report ) XXXX XXXX XXXX 
XXXX XXXX I have no relationship with these companies and have never opened accounts with them. While these accounts have been successfully removed from my XXXX credit report, they remain on my XXXX and XXXX reports, negatively impacting my credit score. Additionally, these companies have repeatedly contacted me and failed to provide sufficient validation of these alleged debts, despite my clear disputes. Their actions violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Details of the Issue : Unauthorized Accounts : I have never opened or held accounts with the companies listed above. Despite this, they have reported accounts under my name to XXXX and XXXX, XXXX XXXX to Validate the Debt : Despite my disputes, these companies have failed to provide validation or proof of the alleged debts as required by law. 
Harassment : These companies have continued to contact me regarding these alleged debts, causing undue stress and harassment. 
Violations of Credit Laws : Fair Credit Reporting Act ( FCRA ) : The companies have furnished inaccurate information to XXXX and XXXX without proper investigation or validation. 
Fair Debt Collection Practices Act ( FDCPA ) : These companies have engaged in harassing communication and failed to validate the alleged debts within the required timeframe.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX  XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year>
Product: Debt collection

I contacted XXXX/resurgent To pay the XXXX that I owe for a XXXX account. I asked that if I would be able to have a pay to delete done and I was told no they would accept payment but this would still show negativity and would not remove from my credit. I just want to pay this have it completely removed from my credit and move on with my life
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I believe we need to eliminate any incorrect accounts from my credit report. Could you review the documents? Some accounts listed have reporting inaccuracies, incorrect amounts, and erroneous dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting these updates from collection agencies that I do not owe at all this is under the law 15 usc 1681 XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XXXX {$860.00} XX/XX/XXXX XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX All these are reporting opened accounts but they are closed and its tarnishing my character and Im trying to purchase a home and cant do so because they are reporting false information about me
Product: Debt collection

XXXX Is calling my principal and coworkers threatening to arrest me at my job. They have all my personal information and it 's scary they are harassing me giving my coworkers my social security number just discusting
Product: Credit card or prepaid card

On XX/XX/2020, XX/XX/XXXX closed down all 5 accounts I have with them without notification. I received a letter from them with the reason of closing down the accounts. The reason is high risk of failure to pay with no credit agency reported as part of the decision. All accounts with XX/XX/XXXX were in good standing and never late paid. XXXX XXXX limit XXXX with Balance of XXXX, XX/XX/XXXX limit of XXXX with balance of XXXX, XX/XX/XXXXlimit XXXX with balance of XXXX, XXXX limit XXXX with balance of XXXX, XXXX limit XXXX with balance of XXXX. All said account are been paid accordingly. When these accounts were closed, it hurt my credit by -38 points. I tried to get a clarification from the grantor but none was ready to give me a good reason for closure of these accounts.