23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by a company called Student Advisors in summer of XX/XX/2017. They claimed they were working with the Federal government to help people out of student debt by consolidating multiple loans into one with a lower interest rate. In order for these services, they told me they charge a fee ( around {$1300.00} ) which I could pay in installments. I signed up for this, and signed an agreement that outlined the services they stated they were going to provide. One month later when I realized my student loans were not consolidated, I tried calling Student Advisors, and did not get an answer. I tried multiple phone numbers, left multiple messages, and never heard anything backfor months. Eventually I just gave up and chocked it up to a missed opportunity/near miss. That was until several months later when I checked my credit report and saw a credit account opened under my name from a company called XXXX XXXX. I looked into this and realized that this was the fee I was paying for the loan consolidation which I enlisted for. I called XXXX XXXX to cancel this account, stating to them that I never received the services I signed up for. They told me that they are just a third party, who bought my contract from student advisors. They said they could not close my account, and I still owe them all this money, and that they can not do anything about it because I signed a contract. No matter how much you try to reason with these people, they argue because they know they are wrong. This is criminal, and they should be persecuted by the law. They keep telling me to take it up with Student Advisors. How can I take something up with a company that doesnt exist, or if they do, wont return my calls. Even when I explain to the people at XXXX XXXX that in my contract there is a clear clause that states all payments shall be returned to consumer if the product isnt delivered, they still argue. You cant argue with this, and we need to get the Federal government involved here. This is no different than financing a house, but then not getting the house yet still being responsible for paying for said house.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding this late payment, and they have approved updating the accounts to " closed or open /never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

Jefferson Capital sent me a bill saying I owed them money on a old XXXX  acct 12 years old to be exact! They are redating this account which I have been told is illegal in the State of NY and plus the fact the original acct is over 12 years old and in the State of NY its 6  years. This company is ruining my credit on all major credit reporting agencies This is false  dating and is illegal - Please help
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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

Relay closed my account, I have asked them to send the balance of {$4900.00} to the bank account because I'm not in US, they refused to do so. And insist on sending check to registered address, I can receive mail in this address anymore.
Product: Student loan

I have tried multiple times to get my payments lowered with Sallie Mae with them knowing my financial situation you would think they would understand but basically they dont care about your other bills just as long as you pay them. I recently received a billing statement only to be shocked that my amount due has gone up once again and this time I was not even notified that my payments would be increasing, I am enrolled in automatic payments so had I not read the actual billing statement I wouldnt have known because again I was not notified my payments were increasing. Each time I have reached out to Sallie Mae I have been told i am not eligible to get my payments lowered or even worse told a manager or supervisor would return my call and no one even calls. I reached out to legal representation and decided not to proceed but now that they have increased my payments without notice and will not working with me with lowering my payments I will be moving forward and continue to file complaints on this horrible business
Product: Debt collection

Sunrise Credit XXXX refuses to remove a debt that I have already paid directly to XXXX and XXXX in the amount of XXXX. I was told to email Sunrise the confirmation number of the payment accepted by XXXX and XXXX, I have done that and the debt remains on my credit report, and is hindering my credit at the moment.
Product: Credit card

On XX/XX/XXXX, I received two emails from XXXX, with the first saying " Congrats, you're an administrator at your company '' and the second saying : We've successfully received your order. 
XXXX XXXX : XXXX Order Placed : XX/XX/XXXX XXXX, Thank you for shopping with XXXX Your order is processing and we'll email you as soon as it ships. Click below to view your order details and the latest status information. 

I immediately logged into my account and noticed that someone had hacked into my account, changed my password, added a company ( XXXX XXXX ), and managed to place an order using my credit card and email address to the following address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX, XXXX. Note that both the billing and shipping address were the same. I currently reside at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX. I have lived in XXXX since XX/XX/XXXX and have never lived in XXXX XXXX 

I notified XXXX of the fraud, and managed to kick the other person out of my account. XXXX claimed to try and cancel the order, but failed to do so and said that they wouldn't refund me due to the product leaving their distribution center. 

In parallel, I notified Chase and had them mark the {$940.00} charge as fraud while also canceling my credit card. They said no problem and I went ahead and changed all of my passwords for all accounts ( banks, newsletters, health, and more ), thinking that was the end of it. 

On XX/XX/XXXX, I received a letter from Chase stating that they looked into the matter and the investigator came to the conclusion that the fraud was not fraud and I'm on the hook for the {$940.00} charge. I contacted them immediately and was told that while investigating, XXXX claims that it was me who placed the purchase... even though the whole reason for this is that I never placed the order and it was fraud! I live in XXXX and have no secondary business called XXXX XXXX... 

When I pressed the Chase agent over the phone, he says that XXXX claims that it's impossible to have their accounts hacked. I begged the agent to reopen the case, and I shared all of the details, including the XXXX invoice, my home address, and more. I told the Chase agent to look through my Chase banking history, where he will notice that the last time I visited the greater XXXX area was XX/XX/XXXX, and that the only time I've ever stepped foot in the XXXX was for an XXXX game back in XX/XX/XXXX. 

I've tried having XXXX refund me, but they keep telling me that there's nothing they can do since the product was shipped out to the fraudster. 

On the other hand, Chase keeps telling me that I placed the order... even though I obviously didn't. 

Can you please help me? If this was only $ XXXX, I wouldn't complain but we're talking about a significant charge of {$940.00}...
Product: Credit reporting or other personal consumer reports

Your Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, Pa XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

15 USC 1681 a 48 My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information. 
15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! 
Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. 
XXXX Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX Pa XXXX I request several time to have my information updated and its still old outdated information on my consumer report
Product: Student loan

The struggle continues with my situation. I am frustrated as how you can offer XXXX XXXX  XXXX XXXX forgiveness if you base this grant on SSD guidelines as you clearly do not understand when this benefits ends due to reaching full social security age vs. having a 5 to 6 year review. Not all recipients of SSD have a review of benefits as they reach full social security age and flip to those benefits. Perhaps if I had been diagnosed earlier than within 12 months of my full retirement age, I would have been given a review date. However based on my diagnosis which is an automatic grant of SSD benefits I doubt that I would have been placed on a review. 

I have continued to contact them- they offer a benefit they do not understant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the credit bureaus regarding an account that was reporting on my credit report that I settled some time ago, however they wrote to tell me that this account was verified as not been closed, yet on the credit report the status on all three ( 3 ) bureaus said " Closed ''. I voluntarily returned my motor vehicle back to Toyota Motor Company and we settled this account from XX/XX/2012 but this has still been affecting my credit report and I do not know what to do. I wrote Toyota financial about this issue and still waiting for a response. I would really like to settle this issue and have this account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention credit bureau I am writing to dispute the collection that recently returned to my credit report after it had been removed. According to the fair credit reporting act, the collection should not have returned after the removal.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$2600.00} with Amsher Collection Services ... ... Account Number XXXX I do not have a contract with Amsher Collection Services , they did not provide me with the original contract as i requested with my signature and ID verification.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, I want to bring to your attention a discrepancy in a charged off car loan account XXXX. My name is XXXX XXXX XXXX, and I am concerned about a reported late or missed payment. Pursuant to my rights under 15 USC 1681E ( b ), I request a prompt investigation into this matter.

I also kindly urge you to rectify the reported late or missed payment on my account. It is crucial for my credit history and financial standing that accurate information is reflected in my records, as this incorrect information is currently defaming my character. This matter has recently caused me mental anguish, as well as embarrassment because I was denied credit on multiple occasions because of this matter at hand.

Furthermore, 15 USC 1681a ( d ) ( 2 ) ( B ) provides for all extensions of credit which were derived from a credit card to be excluded from consumer reports. Credit card as defined in 15 USC 1602 ( l ) is any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This means you broke federal law knowingly and willfully, which makes you liable under 15 USC 1681n, which carries penalties of {$1000.00} per violation.

I appreciate your prompt attention to this matter and expect a resolution that involves the removal of any erroneous late or missed payments from my account and all 3 agencies. Please acknowledge receipt of this dispute letter, and initiate the necessary investigation per the provisions of 15 USC 1681E ( b ), and resolve this matter amicably according to the FCRA.

Unless you can prove to me that this reporting is lawful you agree to : Remove the late or missed payment indefinitely XXXX out the balance of the account indefinitely Keep the age of the account indefinitely Change the account status to open indefinitely Change the payment status to current indefinitely Delete the repossession remark indefinitely Thank you for your understanding and cooperation. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I sent Amex and their registered agent a billing error notice. They have 30 days to reply. As a consumer, they failed to apply a credit that I am due, and also they withheld this disclosure from me. Pursuant 12 cfr 1026.13 this constitutes as a billing error. Amex is notorious for shutting down consumers accounts due to us exercising our consumer rights. Pursuant 12 CFR 1026.11, when a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall credit the amount of the credit balance to the consumer 's account. Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer. Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. Also in my letter I stated what they can and cant do to the consumer. I feel as Amex has taken a advantage of me for a long time. They withheld this disclosure while I was paying them when I was due a credit. Im demanding my credit be applied every month as stated. The same letter was also sent to The Alabama Attorney General.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I submitted disputes and was advised that I was not specific with my dispute when I clearly stated that there are factual errors with the amount listed on my Experian file there are 2 accounts with XXXX  XXXX there response was I did not indicate the issues which to be more specific for them the charged off amount is at XXXX but why is there a past due amount at XXXX how do I owe more on a account that's been charged off with a higher debt and why is there a past due amount acct # XXXX that's a major violation of false and inaccurate amount I should not have a past due amount the other acct # XXXX : charged off amount XXXX past due amount XXXX same issue as the first I should not have a past due amount there are incorrect factual errors on these 2 accounts that must be DELETED ASAP
Product: Mortgage

There was fraud committed on my loan when it was originated in XX/XX/XXXX. The loan origination company intentionally switched me as the primary borrower and made my ex-wife as the primary borrower and the mortgage company intentionally used the wrong social security number on the loan application as mine so that my debts would not show up on the credit report in order to qualify my ex-wife for the loan. 
As a result of this fraud, I have been unable to refinance the loan in my name since my divorce in XX/XX/XXXX because every mortgage company that I applied for a loan told me that the loan with Chase was not mine because it does not show up on my credit report. Consequently the loan has gone into foreclosure due to my inability to refinance at a lower rate. 

I have also submitted a complaint by fax.
Product: Payday loan, title loan, or personal loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

Experian XXXX Rent Bureau XXXX XXXX XXXX XXXX ( XXXX ) RE : Willful Non-Compliance I initially sent a formal dispute on XX/XX/2024 your company responded XX/XX/2024. The results came back verified accurate. After reading the FCRA 15 USC 1681 ( a ), I now realize that credit reporting must be fair and accurate. Sub Section 4, states that consumers have the right to privacy. My privacy has been grossly violated which brings me to violation 1 of the many. Somehow, I was opted in to your credit reporting so therefore I have the option to opt out. As of XX/XX/2024 I am opting out. Your company is party to libel, defamation, and slander of my character and ability to pursue happiness. This report under the FCRA is not fair or equitable to me in any way. While understanding the FCRA, it states, an investigative consumer report must include personal interviews. Please provide expeditiously, the information of date, time, and with whom you spoke to obtain the interview. Please be advised, I am aware that factual information should not be used directly from the creditor. I am also aware that for items to be reported to my credit report there should permissible purpose. The FCRA outlines 2 reasons for which one can report this information, you have neither. However, if your company does have a permissible purpose, I request you to mail that to me within the next XXXX ( XXXX ) days. Also, if your company does have any documentation of me opting in to your company reporting, I am now opting out as XX/XX/2024. Additionally, the FCRA finds your company as a ( Reseller ), and I am aware that you generate capital ( make money ) from the reselling of my personal information.

In order to avoid a lawsuit, you must comply with the following settlement demands : 1. To delete any and all of my personal information from your database and never report it again.

2. The settlement agreement of {$2500.00}