23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I submitted a complaint to CFPB on XXXX/XXXX/2015 about Jacobs Marsh LLC repeatedly contacted myself concerning a debt owed that is not mine. Case number : XXXX. 
The company responded to my complaint on XXXX/XXXX/2015 by stating : " we have removed all active numbers that are associated with XXXX XXXX 's phone number. " This Company has not removed all active numbers that are associated with my phone number as stated as I am still receiving calls from Jacobs Marsh LLC so I am summitting again the same complaint. 
I have their number on my caller id with dates and times with the last one received XXXX XXXX, 2015 from : ( XXXX ) XXXX
Product: Student loan

Hi, I have experienced multiple issues with the XXXX program and I have concerns I was lied to and set up for a trap to pay them money while not receiving valuable knowledge. I have expressed my concerns of lack of resources provided and lack of support from slack channels and lack of activity or communication from the team to check or track progress. I was reassured I would owe no money unless a job offer was assured, however, when I expressed concerns to XXXX. I was only made aware that I have to pay them money ( which technically they already have via the Loan ) and answered XXXX of my concerns through the email thread I can provide. Additionally, I have read recently of the illegal practices done by XXXX and lawsuits against the company which was the main factor of my decision to reach out to them. Please assist me in cancelling the loan as this program is clearly a trap for paying them money with XXXX valuable resources. 

Please provide me with my options. My goal is to remove the loan from credit report and I will go beyond in making sure this program does not trap any other students. 
Former Students Are Suing For-Profit Coding XXXX XXXX ( XXXX ) CFPB Takes Action Against XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for Deceiving Students and Hiding Loan Costs | Consumer Financial Protection Bureau ( consumerfinance.gov )
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX - XXXX ; XXXX XXXX XXXX ; XXXX- XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 an 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: Checking or savings account

On XX/XX/XXXX, I called and asked to close out XXXX XXXX  accounts. Made sure of the address that the checks were to be mailed to. Told the checks would be mailed XX/XX/XXXX. Called them XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. To this date the only letter or email I have received from them says the accounts were closed, on XX/XX/XXXX, that is all. No letters or emails about where the funds where sent to, or if they have been cashed, or what the amounts the checks where made out for, or what names the funds where made out to, or what address the funds where mailed to, nothing in writing from Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016 I received a letter from a collection agency demanding payment for an account that I did not open. I began to investigate immediately and discovered a payment was deducted from my bank account that I did not authorize for a furniture store in XXXX. I was able to dispute that transaction and the bank reimbursed me my funds. I then called the furniture store who informed me that the furniture was at an address in XXXX. I have never lived in XXXX and definitely did not purchase furniture from this store. I informed them that this was identity theft. I filed a police report and contacted the collection agency who stated the issue will be resolved. I began receiving threatening phone calls and decided to check my credit report. Needless to say this fraud is reported my credit report. The issue was not resolved. The lender is XXXX XXXX for {$1300.00}. I was able to dispute and have it removed from one credit bureau but now they are reporting it to another one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been attempting to submit a dispute via the website and the phone but have not had any success. They make it extremely difficult. 

The debt collector is in violation of consumer rights under the FDCPA. I currently have federal charges against the debt collector. 

Please see attached exhibit.
Product: Mortgage

On XX/XX/XXXX, I closed on on a cash out mortgage refinance through SoFi to lock in a lower mortgage rate as well as consolidate a SoFi personal loan. The refiance was funded and cash was sent to pay off my old mortgage fairly quickly ( by XX/XX/XXXX ) but my SoFi personal loan has not been funded yet. My understanding was that funding should occur fiarly quickly after a 3 day waiting period after closing. I also understand that the longer my personal loan is not funded, the longer I am being charged interest on two loans.
Product: Credit card or prepaid card

The issue arose from the confusion regarding the global entry statement credit of {$100.00}. HSBC Bank advertised that card holders " can redeem XXXX Cash Rewards to receive a {$100.00} statement credit to cover the [ Global Entry Application ] fee. '' I applied for Global Entry via Trusted Traveler Programs of Department of Homeland Security and paid {$100.00} with my HSBC credit card on XX/XX/2020. I called HSBC customer service regarding not receiving the cash rewards points of XXXX on XX/XX/2020 and they advised me that to redeem the global entry statement credit of {$100.00}, I need to have XXXX cash rewards points on my own. That means HSBC Bank will not provide the XXXX points to me. This is misleading advertisement because usually I can redeem cash rewards points for cash back to use as statement credit. XXXX points is equivalent to {$1.00}. It doesn't require this promotion to redeem rewards points as statement credit. The customer service team of HSBC Bank agreed that the statement is confusing and raised the concern to HSBC Bank. HSBC Bank responded that the statement is not legally wrong ; therefore, HSBC Bank is not liable for misunderstanding. 

Due to this advertisement, I applied for global entry to take advantage of the benefit from my HSBC credit card. Now, I have to cover my own expense because of HSBC Bank 's misleading advertisement.
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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$160000.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX, Senior Counsel for XXXX XXXX XXXX XXXX XXXX had XXXX XXXX updat the bureaus to remove all negative information and it was to be update as of XX/XX/year>. I previously filed a CFPB complaint under number XXXX. 60 days is unacceptable, I need this updated today. I have lost too much already and I need to know if I need to consider other actions because I have lost two homes already.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a text from a # stating that there is a suspicious transfer from XXXX and it asked me to reply yes if I authorized and no if I did not. 
I replied no and shortly after, i got a call from XXXX. 
I talked an imposter that pretended to be a bank of America Customer Service Representative. 
He told me that my account has been compromised that that the perpetrator has scheduled XXXX dollars in total to be taken out of my account. 
He then told me that I will need to transfer money to a temporary account and that all the money will be credited back to me once investigation is over. 

He has walk me thorough creating a new recipient and provided a new phone # each time since it would expire after 24 hours. He walked me through receiving a message from bank of America or approve transaction and it should reflect on my account once I replied yes that it was being on process and the next following day, it should clear. 

He had instructed me to transfer money in XX/XX/XXXX at XXXX and was on the phone for 39 minutes and money was transferred with total amount {$3500.00} ( XXXX transaction XXXX and XXXX transaction {$100.00}. 
He then told me that I will be doing this for 3 days so total amount of XXXX can be transferred and that my money will be safe. 
He called me back XX/XX/XXXX around XXXX and I did the same transaction which totaled to XXXX dollars and also XX/XX/XXXX at XXXX which totaled to XXXX dollars. 
Once I was done with the transfers that week, he told me that I would receive a call the following week and would have to transfer another XXXX. 

He continue to contact me from the same # and gave me updates that my case is being investigated and they'll continue to send me updates. 

I got another call the following week XX/XX/XXXX around XXXX and he had walked me through transferring another XXXX dollars. 

I noticed that the amount of money in my account was decreasing so I called Bank of America the same day but could not get through as their customer service line is close and will be open the next business hours. 

I called the next following XX/XX/XXXX and talked to a representative and let them know my situation. The representative I talked to said that there was no notation about someone from their team reaching out to me those days I transferred money. They then transferred me to Fraud department and I filed a claim. The representative told me that they will be doing an investigation and on the XXXX day I should get an email from Bank of America that will give me an update of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act, XXXX, XXXX and Experian has violated my rights. 

15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it and address used to open account ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX  FTC REPORT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were made without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), you are required to block and remove this information resulting from identity theft upon receipt of my request. 
Fraudulent Accounts : XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Student loan

Dear Consumer Financial Protection Agency, I write to report the predatory Student Loan repayment practices of ACS/XXXX. 

My Federal Stafford Loan payment is due on the XX/XX/XXXX of each month. 

I made a XXXX payment ( nearly XXXX dollars more than the required monthly amount ) for XX/XX/XXXX at XXXX The {$150.00} payment was then scheduled for XX/XX/XXXX ( please see attachment ). 

However, ACS/XXXX did not process XXXX payment amount until XX/XX/XXXX, and charged me a {$5.00} dollar monthly late fee. 

This has happened several times with ACS, and is not only unacceptable but unlawful. 

When I called and asked for a credit for this monthly fee, I was informed that, although I had paid in advance, there was nothing ACS/XXXX could do, and they further indicated I will need to make my monthly payment even more days in advance to prevent them from egregiously charging me inexplicable fees. 

Please help. 

Respectfully, XXXX
Product: Credit reporting or other personal consumer reports

Account name : XXXX Account number : XXXX Date opened : XX/XX/scrub> 2024. 

Account Name : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/scrub> 2024 This account was opened and furnished as the result of a data beach/identity theft. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.. This account is reported in accurately on the balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which Portfolio recovery Associates did continue to furnish my public information without having permissible purposes, pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. This company is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. Until this alleged debt is validated by proof of contractual agreement it is illegal for this company To continue to furnish this alleged debt on to my consumer reports. This company may be held liable pursuant to federal law title 15 USC 16810 and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law. 

Full Name : XXXX XXXX Address : XXXX XXXX XXXX Michigan XXXX SSN : XXXX
Product: Debt collection

Not many actions taken by myself on this issue. I would like to report on a 10 year auto loan a company is attempting to collect on. I've received 3 different calls from different companies on the same debt. Here are the dates/times. 

First call received on XX/XX/XXXX from XXXX from a XXXX XXXX XXXX XXXXXXXX. 

2nd call received on XX/XX/XXXX from XXXX from a XXXX XXXX XXXXXXXX. 

3rd call received on XX/XX/XXXX from XXXX.
Product: Credit card

CareCredit or otherwise known as XXXX XXXX  closed my account without giving a 45 days notice which I read was a violation of the Truth in Lending Act. I was making on time payments ( paying extra far in advance ) because they said that since I agreed on the terms and agreements that it can be closed to XXXX bounced payments that it automatically closes. The payments were done far in advance and I would pay daily since I get paid daily at my work, but the daily pay systems crashed unexpectedly. Once I could fix it the next day, I had called and had the payments stop until XXXX at my work was working again which took a week. CareCredit is refusing to do the right thing and fix this issue or let me talk to their corporate attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Convergent Outsourcing made a soft inquiry on my XXXX credit report without my authorization, permission and/or permissible purpose. I do not and have never had an account or any business with Convergent Outsourcing. Nor have I even given Convergent Outsourcing permission to obtain/pull my credit report in any manner, whether a hard or soft inquiry, Convergent Outsourcing had absolutely no permission nor authorization or permissible purporse to pull and/or obtain my credit report from XXXX or any other credit reporting agency/company. This is a clear violation of 15 U.S.Code 1681b and illegal.
Product: Credit card or prepaid card

Okay I got issued a American express serve card last year well about 6 months ago someone stole it out my purse. I called American Express and ordered a replacement card okay being I forgot my username and password and I didn't have my card 15 digits to retrieve it I couldnt update my mailing Info to change my address.so they mailed it to my old address I havent seen it yet.i called them and changed my address and still havent received my card I have XXXX on it from my stimulus check. I would really like to get my card.
Product: Credit reporting or other personal consumer reports

First, Columbia debt recovery has a {$60.00} collection on my account for an apartment that is charging my wife for cleaning, even after she provided proof that carpet cleaners were hired. To make matters worse, it is showing up as a collection account on my credit bureau report twice. I have disputed it and it remains.
Product: Debt collection

FAILED TO PROVIDED ME WITH DETAIL REQUEST FOR VERIFICATION! - I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. Otherwise, please provide me with your documentation showing that this account does indeed belong to me. Please send me copies of the contract used to establish the account with my signature on it. Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. Sincerely yours,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I was charged {$860.00} for an auto bill pay that I never authorized. I have never paid my credit card this way. So I called Wells Fargo to complete a payment reversal on my account on XX/XX/XXXX, they mentioned that it would take 3 business days for this action to be completed. It is now 4 business days and they are suddenly changing their tune and have not given me back my {$860.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX Date Opened : XX/XX/2021 Balance : {$300.00}