23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I did n't realize that these Company 's could get away with scams and defrauding the public and theirs no solution. Asuch as there are some legitimate pay day loans some have gone to extremes to abuse their power. I took out a {$400.00} loan with Big Picture loans and this is one of a nightmare. I should be paying back {$540.00}, I paid XXXX {$140.00} and {$160.00} and the {$400.00} dollars is going no where all I 've paid do n't even go towards the loan this is a scam. Very Criminal Activity being run rampantly in this Country and this needs to stop! I need to see an end to this I will not stop until these Criminals are put out of business
Product: Debt collection

On XX/XX/2020 I recieved a letter from Sequium Assests Solutuions About and alleged dedt of {$42.00} from XXXX XXXX. I Immediately I responded and requested that send any and all information on this alleged debt disputing the debt and sent the letter with a return receipt from the postal service on the same day XX/XX/2020 To sequim disputing the alleged debt, requesting all and any information proof of the alleged debt, the creditor, proof that they are licensed to collect debts in our state etc. At that point it is illegal for them to put a derogatory report on my credit because responed within 30 days and I have never heard of this debt and they did not give me any information etc. I have attached the requested letter that I sent to them. I also contacted them and was hung up on twice. I file a dispute with XXXX.
Product: Debt collection

Meridian Financial Services , INC has sent several forms via mail stating I OWE A DEBT, ATTEMPTING TO COLLECT A DEBT, they also called my phone many of times harassing me about a debt. Meridian Financial Services , INC reported a debt to several bureaus resulting in negative marks on my credit violating my rights to privacy as a consumer.
Product: Debt collection

I have sent several letters and called consumer portfolio services who are reporting a repo on my credit. Today is actually the XXXX day since I wrote them the first time and they refuse to verify the debt. I have asked for a sign contract and also the info from auction as I was not notified of anything. They will not return my calls nor letter. Since they can not verify it should be removed from my credit.
Product: Student loan

I applied to XXXX in XX/XX/XXXX, graduated with an XXXX in XX/XX/XXXX and wanted to pursue my XXXX in XX/XX/XXXX continuing my knowledge in the same field. Unfortunately, all of XXXX got shut down due to fraud and when I tried to continue with my credentials, that I supposedly received already from XXXX, the new institution ( XXXX ) told me no one will be accepting any transfers or credits from XXXX. I am now responsible for a Federal Student Loan through Great Lakes Borrowers and I do n't feel I should be responsible to pay back anything due to XXXX going bankrupt and making promises they never fulfilled also for wasting my time in pursuance of a career that has no credential back up.
Product: Debt collection

I was contacted by a representative of Stallings Financial Group out of XXXX, GA on XXXX/XXXX/2015. I was contacted by XXXX and he did not verify that he was speaking w/ me, nor did he give the mini miranda. They also disclosed all personal information to my sister who is NOT authorized on any of my accounts and now I am totally distraught. I had my husband to call them today ( XXXX/XXXX/2015 ) b/c he is in the collections industry and they were very belligerent and used condescending tones toward him when he tried to help me to resolve the issue in a professional manner. I have also made a complaint to the Georgia Governor 's Office of Consumer Protection and to the Federal Trade Commission as well. My husband also contacted the principal owner of the company who is XXXX XXXX or XXXX XXXX. I do n't know exactly which name she goes by at this time however we tried to make a valiant effort in taking care of this matter rationally to no avail. Also I left a message for her attorney which is XXXX XXXX XXXX and he is listed as the registered agent for Stallings Financial Group. I left a message w/ his secretary who said he will not be back in his office until tomorrow ( XXXX/XXXX/2015 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Mountain Land Collections is reporting erroneously on my credit file. I recently checked my credit and noticed this debt. I called and paid it immediately. I never received any calls, letters, or notices about this debt. I had no idea this debt existed until they reported on my credit file without notifying me and that violates my 30 day right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and notices some unauthorized accounts on my credit report. Under 15usc 1681 a.3, you assumed this role without my permission. not only did you not have my consent, you did not respect my right to privacy, which is 15usc 1681 a. 4. You did not exercise your grave responsibility, your were unfair and impartial.

Transunion has yet to verify or sent verification of a debt that was disputed. with There company.

I sent validation letters to the credit bureau asking them to send proof/ validation of debt, I have yet to receive any sufficient proof of debt.

They also failed to remove the information from my credit report during the " investigation process '' while trying to validate my debt. 

They have provided no substantial proof of debt. Nothing with a signature, contract or any other information that states I owe this company any money. These actions were taken over the last few year and I'm sure they have record of the disputes on file. 


THE ACCOUNTS ON FILE FOR XXXX : XXXX XXXX XXXX XXXX FOR {$2300.00} FOR TRANSUNION IT IS XXXXXXXX XXXX XXXX FOR {$2300.00} ALSO FOR TRANSUNION : YOUR ONLINE SERVICE ISNT WORKING FOR MY ACCOUNT AND THIS IS PREVENTED ME TO MONITORING, USING AND ACCESSING MY CREDIT!
Product: Debt collection

I, the natural person and consumer, did not receive any information regarding this alleged debt placed on my consumer report by SPRING OAKS CAPITAL. Nor did I receive the information required per 15 USC 1692g ( a ). As such, pursuant to 15 USC 1692c ( c ), I refuse to pay this alleged debt. SPRING OAKS CAPITAL have failed to provide adequate validation of the debt, such as proof of the existence of the alleged debt and outstanding balance, proof of a contract verifying SPRING OAKS CAPITAL can legally collect, and proof that SPRING OAKS CAPITAL is the current holder of the instrument. SPRING OAKS CAPITAL is violating Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. This company claims that the alleged debt was originated from XXXX XXXX XXXX yet SPRING OAKS CAPITAL is the company listed on my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have filed multiple different disputes with Equifax for an account on my credit with XXXX XXXX XXXX that was opened under fraud. Each time there is no resolution, the account continues to show up on my report causing me to lose time by filing disputes and delay any credit related purchases that I may have. XXXX and XXXX have both already removed the account without delay. Complaints have already been filed with the FTC and Equifax still will not take action.
Product: Vehicle loan or lease

The issue is about the additional monthly lease charge made by J. P. Morgan Chase Bank ( hereinafter Chase ) on behalf of XXXX XXXX XXXX at the end of the Lease XXXX : XXXX of a XXXX XXXX XXXX WA, with XXXX : XXXX. 

The amount of {$310.00} was erroneously included in the Payoff for Lease Vehicle Purchase Letter issued by Chase on behalf of XXXX XXXX XXXX on XX/XX/XXXX for a total of {$15000.00}. At the time of issuance of the Payoff letter, all 36 monthly lease payments had been completed. This error led to the overpayment of {$310.00} when on XXXX XXXX, XXXX XXXX XXXX received the payoff check issued on my behalf by the XXXX XXXX XXXX XXXX for a total of {$15000.00}, for me to pay the purchase price of the above referenced vehicle. 

I've had numerous calls with Chase regarding this matter, and my final attempt to amicably resolve this issue was a letter dated XX/XX/XXXX that I sent through certified mail to XXXX XXXX XXXX, to which I enclosed the following documents : XXXX. Letter from the XXXX XXXX XXXX XXXX dated XX/XX/XXXX, with XXXX pages attached to it. This letter and its attachments serve to confirm that Check number XXXX for {$15000.00} was delivered to XXXX XXXX XXXX on XX/XX/XXXX, and was endorsed on the back by Chase Auto Finance on XX/XX/XXXX. 
XXXX A printout from my Lease account of the above referenced vehicle, which shows that on XXXX, XXXX XXXX XXXX XXXX applied as a XXXX monthly Lease payment the amount of {$310.00}, even though my Lease Agreement on the above referenced vehicle was for 36 monthly payments, and the Lease was agreed to end on XXXX. Since the XXXX payment was processed on XXXX, when XXXX XXXX XXXX issued the Payoff for Lease Vehicle Purchase Letter on XXXX, there was no monthly payment due. Additionally, as the Check issued by the XXXX XXXX XXXX XXXX to pay the purchase price of the vehicle was received by XXXX XXXX XXXX on XXXX, this is prior to the expiration of the Lease Agreement, there is no doubt that the payoff check for a total of {$15000.00}, included an overpayment of {$310.00}, which XXXX XXXX XXXX is obligated to refund. 

As I never got a response to my XX/XX/XXXX letter, on XX/XX/XXXX, I once again called Chase, and was told to go its branch in XXXX, MO, to fax tmy XX/XX/XXXX letter and supporting documents to their office, which I did on the same XX/XX/XXXX. 

To this day, XXXX XXXX XXXX has simply ignored my claim that they need to reimburse me the {$310.00}, as this is an additional monthly lease charge that I did not have to pay. 

I hope through the CFPB we can bring this issue to a final resolution. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

After a detailed review of my latest credit report, I found multiple accounts that I believe are incorrect and were added without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 


Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have been identified as a victim of XXXX XXXX. Per 605C please remove all items on attached list from my report and provide me with updated report after items have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting that my account has late payments but they are not reporting it correctly and I have asked for a dispute and Experian did not correct the wrong information. XXXX wrote me a letter about my missed payments and it does not reflect my credit report. They did not report the 1st missed payment and the account has no date listed when it will be removed. The has been going on since XX/XX/XXXX. 

acct XXXX open date XX/XX/2012
Product: Credit card

On XX/XX/XXXX, I applied for a Bank of America Visa credit card and was approved for a limit of {$2500.00}. I used the card and paid off the full amount. However, in XXXX, the credit was closed and removed from my credit report without any notice or adverse action letter explaining why it was closed. On XX/XX/XXXX, I received an alert indicating that my XXXX score had dropped by XXXX points due to the Bank of America account # XXXX, which showed a late payment for XXXX and XXXX and a balance of {$2100.00}. This information is incorrect ; the balance should be {$400.00}. I spoke with XXXX representatives who acknowledged that the account was closed in error in XXXX and was reopened in XXXX without notifying me. As of XX/XX/XXXX, they were supposed to contact all bureaus to correct the errors.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND FTC REPORT SENT!!!!!!!!!!!!!

THANKS IN ADVANCE Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX Date openXXXX Account Number XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT_ Account Amount_ {$9700.00} Account Name XXXX  Date open_XXXX  Account Number_XXXX Reason for dispute_WITHOUT EFFECTIVE CONSENT Account Amount {$2800.00} Account Name BANKRUPTCY Date openXXXX Account Number XXXX Reason for dispute_WITHOUT EFFECTIVE CONSENT Account Amount__
Product: Checking or savings account

A personal check that I mailed via a XXXX mail drop on XX/XX/2022, was subsequently stolen and cashed. It was cashed on that same day after the thief changed the name on the check as to who is was made out to. 

When I wrote the check, it was made out to XXXX XXXX XXXX XXXX XXXX XXXX. 
I had no reason to think that there was anything amiss with my check until approximately 2 months later when the bookkeeping firm that should have received my check, emailed me to say that they had never received my HOA dues for XX/XX/2022. I had no idea what they were talking about. I checked my bank statement. It showed the check # XXXX having been cashed on XX/XX/2022 for {$820.00}. The transaction looked exactly as it had looked every month for a number of years. 
It was only when I clicked on the small check icon and opened the check view, that I realized that someone had changed the Name on the check and cashed it. It was at this point that I contacted Chase to let them know what had occurred. 
I went into my local Chase bank that day to get things straightened out. I was told that I would have to make an appointment and to come back the following day. When I returned the following day, my current checking account was closed and a new one opened. 
I contacted Chase on several occasions about this matter. They kept telling me that they could not reimburse my checking account for the {$820.00} because I did not report the issue within their 30 day timeline. I told them, repeatedly, that I didnt know it had occurred until my XXXX bookkeeping company contacted me approximately 2 months after the check had been cashed. They didnt care that I didnt know it had occurred within their 30 day period. I called them 3 times only to get the same reply each time. 
I received a letter from them on XX/XX/2022. It stated : Your claim has been denied because your time frame to request reimbursement has passed. 
As I mentioned previously, the transaction on my online statement looked identical to every other transaction that I had made with my XXXX company. The thief did not change the check number or the dollar amount. Therefore, I had no reason to think that anything amiss had occurred. 
I have been a customer of Chase Bank for over 50 years. I am appalled that they will not cover the {$820.00}.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXXXXXX
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. 

these inquiries need to be removed XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX CARD Inquired XXXX On record until XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XXXX record until XX/XX/XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XXXX record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX  Inquired XXXX XXXX XXXX XXXX XXXX Inquired XXXX and 1 more XXXX XXXX, Inquired XXXX XXXX XXXX Inquired XXXX and 98 more XXXX XXXX XXXX Inquired XXXX and 1 more XXXX XXXX XXXX Inquired XXXX and 8 more XXXX Inquired XXXX and XXXX more XXXX Inquired XXXX and 70 more XXXX Inquired XXXX and 18 more XXXX Inquired XXXX and 2 more XXXX Inquired XXXX and 2 more XXXX XXXX Inquired XXXX and 98 more XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX  Inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX and 10 more XXXX XXXX Inquired XXXX and XXXX more XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX  Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX SO XXXX XXXX XXXX Inquired XXXX XXXX XXXX I 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

After several disputes Equifax showed 6 accounts as not reporting ( see enclosed report pages ) but now they are back on my report. Please remove the following accounts : XXXX XXXX never late XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX  XXXX paid in full XXXX XXXX XXXX paid in full XXXX XXXX XXXX never late
Product: Credit card or prepaid card

I asked Wells Fargo to add an authorized user to my credit card a few months ago. Without explaining to me this would be creating a new credit card account, they gave me a new credit card for my employee to use. As of yesterday XX/XX/2022, my employee informed me her credit card was no longer working. I called Wells Fargo on XX/XX/2022, and I was informed it is because her card has not been paid off. I was under the assumption that she was sharing my credit line and has been paying my own card. Wells Fargo opened a new credit card account under my business name without the proper disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue 1- XXXX XXXX is reporting the same negative account to XXXX twice but, will two different sets of data. 

Issue 2 - Both are wrong as this item was paid and the date of last activity is over 7 years. 

Issue 3- XXXX is showing {$5900.00} charged off with a balance of {$5900.00} and a XX/XX/XXXX for date of last activity Issue 4- Experian is reporting a paid charge off with a date of XX/XX/XXXX. 

NOTE : XXXX XXXX fully removed the derogatory account as they should have because it reached 7 years of maturity