23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I made an agreement with Jefferson Capital on behalf of an unpaid debt to XXXX XXXX. The agreement was to be settled for half the debt and upon receiving the last payment, the debt would be considered paid in full. This company still reports to the creditors that I owe the rest of the debt, when I in fact do not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested credit report from all three credit agency 's already have filled out form requesting credit freeze : and credit report : When it comes to filling out form on line they ask for E-mail address then they want you to become a member which state u can receive a credit report @ no charge
Product: Credit card or prepaid card

Regarding Target XXXX XXXX. 

I changed banks for my personal checking. My autopay with Target would not allow me to change the account because it was too close to the due date. I therefore paid the entire balance of the statement on XXXX. My bank statement and their own statement confirm a {$0.00} balance on XXXX. Despite this, they ran the autopay to the now closed account. This of course resulted in a decline of charges, and the Target XXXX charged me a {$28.00} fee for returned payment. 
I called, and the reps ( 2 ) both agreed that on the date of autopay, no money was due. However no one will refund the {$28.00}. This is fraud. Autopay is not suppose to run if no money is due. They made a mistake, and although they admit to it, I am being held to pay for their mistake. 

Attached you will find my XX/XX/2021 Statement with a balance of {$33.00}. You will also find my XX/XX/2021 Statement showing {$33.00} paid XXXX. Then there is an autopay for {$28.00} on XXXX. This is the amount in dispute, because on that date, there was no money due, as the statement had been paid, and autopay should not have been run. 

I know this is a small amount of money, but it is the principle. I do not owe this. 
I have paid all but the {$28.00} and cancelled my Target XXXX. I just need help to reconcile this issue, which I have refused to pay. 

Thank you. 

XXXX XXXX
Product: Debt collection

I was just evacuated because of hurricane Ian but when I get home I find a lawsuit and they want to put a judgment on me for a court date I didn't know about and dealing with a natural disaster but now I have to deal with this I just wrote them and asked them to verify the debt because my credit was over XXXX but XXXX different loan companies did fraud in my bank accounts and a bunch of inaccuracies and I will complain about the credit agencies after this one but I did some research on this supposed debt that i owe first the original creditor was sXXXX XXXX care credit but now I'm looking and I called and they have the same account on their twice but it's the same account and XXXX say care credit and it was positive and I didn't owe anything than its LVNV and I owe them how could the same account XXXX be in good standing and the other XXXX not and you aren't allowed to have the account on their twice. Also all the information is inquorate anyway and I also filled a police report and then the dates don't add up from when I close XXXX account but then I got another one and the time frame and everything is off but also in this court case they have against me I see in it that apparently I acted like I was being deployed or that I was who thinks of this stuff first off I would never even think of that nor would I ever join I just found that to be really od but I guess that can't be proven so it only my thoughts and ideas but I'm not sending anyone I don't know money and anyone can say anything these days and who tries to garnish a supposed credit debt that isn't even XXXX you don't even know if it was mine or what happened you're not even the original creditor but after we just got done with a hurricane and all the loss already it's just kind of low end but it is what it is I know what I know but what I don't know is who protects us other than our attorney that we pay top dollar for and plus we talking about something almost XXXX XXXX XXXX don't be mad with me because synchrony sold you a wrong debt. I also thought you can't garnish people or take stuff from people because credit debt is a non-secured debt? Also how do I contact the court and tell them I never got the court date and how to reschedule well obviously my attorney can but just so I know for the future.
Product: Student loan

Most recently : XX/XX/2013 Misinformation by phone caused me to be taken off the Graduated Extended Payment Plan of which I had 3 more years until full forgiveness and placed on an IBR plan with a payment that was more than double my previous payment. No disclosure of the increase payment or change of plan was provided for me to make a choice. Over a long series of letters, I find that I can not make the payment they require or obtain full time employment to meet the payment so I am being forced into default. I am nearing XXXX years old, have XXXX for 4 months. I have limited income that is not expected to improve, no savings, little equity. I do n't even go to a hair dresser or out to eat at a restaurant. I 've worked most of my life as a XXXX, have a current credit score of XXXX, but they will break every aspect of my ability to make purchases or even get healthy care loans for the rest of my life. I wo n't even be able to XXXX because the XXXX pay into the governmet retiremt systems, and they will garnish my gross amount of my social security check before taxes and medical premiums are deducted. I have tons of evidence of their lies and misrepresentations and would gladly share those with you.
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education Abolishment To Whom It XXXX Concern, I am filing a formal complaint against XXXX, XXXX, XXXX, and TransUnion for the continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Complaint Details : Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

Failure to Verify Legitimacy of XXXX XXXX has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by XXXX. If this matter is not resolved promptly, I will pursue further legal action. 

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

My Equifax credit report shows none of my creditors have been updated since XX/XX/year>. This issue is only there for Equifax. All my credit accounts on XXXX and XXXX are updated monthly with no issues at all. I called in and did their ID verification by text ( scanned US Passport and selfie ) and they told me they couldn't verify me and to mail documents in. I'm not mailing anything to a company that had a breach. I asked to speak to a supervisor and after a long hold, I got a supervisor who told me I failed verification as soon as he got on the phone. I asked the supervisor what my name was to see if he actually had my credit report up and he didn't even know it ... All he kept doing was lying to me. The fact that this company outsources its support and supervisor to XXXX is insane. This is our personal information in the hands of foreigners... They already had one breach which I was a part of why risk another breach by outsourcing to foreigners when there are Americans who can do this job?
Product: Debt or credit management

I was promised to pay the account off in payments and it would not be put on my credit report, but yes it's on my credit report as a negative Which is impacting my credit report, I reached out to the company which stated they sent letters to XXXX about the account but XXXX did not update my credit report I was told to reach out to XXXX about the matter which I have already a year ago and it's still not taken care of
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or remove these accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

In XXXX of 2020 I disputed XXXX XXXX with XXXX XXXX and the account was deleted. The amount owed is wrong since the collection is apparently a contract penalty for canceling. I never had a contract with the company. I never received any collection info in writing from this company it just appeared on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit reporting agencies. They have not corrected this issue yet. I have gotten my credit reports from them as well and it is showing accounts that are supposed to be closed still open.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act the creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review my credit report, there is an error reporting in my credit files. unauthorized false information report by XXXX XXXX XXXX. I have reach out and have resolve the mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the following inquiry XXXX XXXX XXXX Inquiry from XX/XX/2017. Please investigate and remove from my credit report.
Product: Credit reporting or other personal consumer reports

Equifax is withholding my credit profile from lenders who are requesting my credit report. 

Ive called Equifax over 5 times to get this matter resolved and they would say that there arent any holds or freezes on my credit profile which is false. They are not doing their job and they are holding me up from obtaining credit from my CreditUnion. 

Ive submitted my ID to confirm my information and they still have not updated my file or releasing my info into creditors. 

I have a attached a screenshot of the application denials due to Equifax unwillingness to supply XXXX with my credit report.
Product: Credit reporting or other personal consumer reports

I have been trying to get my credit report, score, and any information from Equifax but every time I try they give me error code NH. I have done everything they told me to do in order to fix this ( including mailing copies of sensitive documents ), but have gotten nowhere with it. I have an admittedly limited credit history, but a history nonetheless. Enough to have a score with both other credit reporting bureaus at least. 
This problem has caused me to be denied from an apartment application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX XXXX listed on my Equifax, XXXX and XXXX XXXX credit report is a fraudulent and unauthorized account, and dont belong to me. I never applied for an auto loan account with XXXX XXXX XXXX. The account is fraudulent and a result of identity theft. I been receiving harassing phone calls at XXXX XXXX and after XXXX XXXX at work and at home from representatives from XXXX XXXX XXXX for a debt thats fraudulent, the result of identity theft, and that dont belong to me. Representatives from XXXX XXXX XXXX has threatened me with death threats, legal action and prison. XXXX XXXX XXXX is in violation of federal law, The Fair Debt Collection Practices Act ( FDCPA ). Its been a frightening and terrifying experience, the way XXXX XXXX XXXX representatives has been calling my phone harassing me non-stop and on a consistent basis. Im in fear of my life. I have contacted the local media, law enforcement, and my U.S. Senator XXXX XXXX in regards to this matter.
Product: Debt collection

On XXXX XXXX, 2017, I received a letter from XXXX XXXX XXXX - XXXX, stating that a creditor, XXXX XXXX XXXX, had referred a debt to them for XXXX} from XXXX XXXX XXXX XXXX ( USA ). 

I responded with a debt verification request on XX/XX/XXXX ( the day of receipt ). On XX/XX/XXXX, I received another letter with an Order attached to the general sessions court in my county. They are supposed to VERIFY the debt and allow 30 days. 
It 's fishy because I have never heard of XXXX XXXX XXXX XXXX XXXX XXXX. What is this " XXXX ''? 

When I checked on XXXX XXXX XXXX 's website, it shows they hire a third party, Resurgent Capital Services, to handle all accounts as well. Who do I officially owe this money to? I do n't remember any {XXXX} credit card from XXXX XXXX. No one is acknowledging my correspondence. 

I have cc : 'd all correspondence to the General Sessions Court in my county as well. Not sure if it will help, but I 'm a single mom of XXXX. Why pick XXXX to start rattling cages. 

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

I went to some car dealerships and my credit was ran more times than I authorized. I would like to have them removed. 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: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, XXXX, AND TRANSUNION ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Product: Mortgage

Faye Servicing purchased our Mortgage XX/XX/XXXX I was told when they purchased our mortgage they were told we did not have property tax impounds which was not true. 
They ran an escrow analysis in XX/XX/XXXX and found we were going to be short our property taxes. 
They raised our payment {$560.00} per month and spread that payment over 24 months. 
Not one person at the company can tell us why I owe over XXXX over two years. My property taxes are XXXX per year. My hazard insurance is XXXX per month. none of that equals XXXX plus for two years. 
Each time I call in I wait 15 to 30 minutes, then get a live person Once i explain the whole story again they have to transfer me to someone that can help me and I get discontented Today I was suppose to get a call back from a Manager/Supervisor XXXX called me but she could not hear me so she gave me what she said was her direct line Well it was not!!!! 
I had to start all over again with someone else who could not help me then i got a manager and he pretended he could not hear me and hung up on me. 
I am very frustrated and just don't understand why this can't be explained to me. I am sending a letter to Faye today asking for them to stop my impounds for taxes and continue to pay in insurance. 
I am hoping they can handle that for us. 
I just do not understand how this happened in such a large dollar amount I do understand that taxes and insurance can go up yearly but not XXXX plus over 24 months. 
I have the original closing statement showing the impounds were correct when we received this loan. 
Please let me know what you would like me to up load. 
Thank you in advance for your help
Product: Credit reporting or other personal consumer reports

The actions that were taken was notifying XXXX and Equifax with letters asking for information and procedure use to determine that the bankruptcies were accurate on my credit report. How can I possible have two bankruptcies in the same year ( XXXX  ) and one in Florida. I am a Georgia resident, that should've been a red flag for you. I wrote XXXX and Equifax numerous times concerning inaccurate on my credit report. I WILL receive a letter stating that it has been verified but how???? And never receive what I am asking such as the procedure, phone numbers, phone number and who they talk with, etc. Never received such information from XXXX and Equifax. Second step, I have reached out to XXXX  XXXX ( CEO ) of Equifax and the Ceo of XXXX concerning my issues with each company and their process of handling my situation. I reached out to XXXX and Equifax again and the same thing, it's been verified. XXXX and Equifax informed me that the bankruptcy court filed the bankruptcy and after reaching out to the Bankruptcy Court. I was informed that they don't have time to report information of such to any agency. I have enclosed all my contacts with the Bankruptcy Court, the credit bureaus and the CEO of XXXX and Equifax. As a veteran and XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX, my wallet was stolen and cause all these issues in my life and XXXX and Equifax has been a pain for individuals like myself, when identity theft and fraud take place in your life. I have alot of inaccurate information on my credit report from XXXX and Equifax, and its like pull teeth with both of them company. I was writing congress concerning the issues that has took place with these companies ( XXXX and Equifax ). I hope you can help me
Product: Debt or credit management

There is a account opened in my name and i didnt authorize it there isnt any proof of my id being shown nor copies of my ssi card or my signature
Product: Credit card or prepaid card

I deposited at {$2500.00} convenience check on the XXXX and then they lowered my credit limit from {$14000.00} to XXXX on the XXXXXXXX XXXX when they did that of course they kicked it back as insufficient funds after 5 days and I had already spent half of it. So I haven't bounced stuff going everywhere and I'm overdrawn about {$3000.00} they won't raise it back up they won't cover the check even though I I'm in good standing with them I'm making payments and doing everything I should be doing
Product: Debt collection

Performant recovery is the designated collector for the Department of Treasury. They instituted a XXXX without following the provisions of 31 U.S.C. 3720 D ( b ) ( XXXX ) by providing notice of their intent to start the XXXX proceedings. The debt is owed to the XXXX XXXX XXXX who have had my XXXX, SD XXXX address since the year XXXX. The Department of Treasury has also had that address as my tax returns reflected that address since the year XXXX. Instead Performant made up an address of XXXX, SD. I have never resided at XXXX XXXX XXXX. We only received street addresses a little XXXX and my new street address is XXXX XXXX XXXX. Then when I requested a hearing on the matter they never gave me Notice of the Hearing and they will not address the fact that they violated my due process rights under the statute. Since Performant has the sole power to request the hearing they are abusing their position by not forwarding my objections to the Administrative Law Judge. Performant 's predecessor engaged in robo signing activities and I am sure that is what happened here. I am recovering from XXXX XXXX and have missed doctor appointments because this money is coming out of my check because my doctors are XXXX miles away from where I live. Performant also refuses to give me an accounting of payments on this debt. I am just seeking the opportunity to negotiate the payments to an amount that I can afford without having to miss XXXX appointments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021. My XXXX  credit report was pulled a couple of times suspiciously. I did not give consent whatsoever. I have already called, emailed, and disputed through mail with XXXX, and the specific companies. ( creditors ) However, no actions have been taken. All I ask for is accountability. Just for the Hard Inquiries to be removed. The companies that pulled my credit are Creditor : XXXX XXXX XXXX, Capital One Auto Finance, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Checking or savings account

I opened an account with Chase Bank at the beginning of XXXX. Around XX/XX/XXXX I made a transfer from XXXX XXXX of {$8000.00} from funds that I won from online betting. I live in the state of Florida and the XXXX XXXX XXXX is legal to use here. Anyway, I made that transfer and Chase Bank closed my account. My funds have been locked up in that account since then and it's about XXXX XXXX that they still have not mailed out to my address. When I call in for an update, every week ( since XX/XX/2024 ) I am being told that they are waiting for information from the sender. I was told to fax documents over to prove that this was me sending this to myself. I faxed them personally and I went into the bank and with the documents and faxed them over to " the accounts department '' to verify my information. This first faxed from XXXX XX/XX/2024 and then in-person at the bank was XX/XX/2024. I called in today, XX/XX/XXXX, again and I was told that there has been no documents recieved. In about XXXX weeks, I have called at least XXXX times a week as well as visiting chase branches in person and still no resolution. I was told from when my account closed that a check would arrive XXXX business days and we're way past that. I don't think any of the customer service agents have any clue of whats actually going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to a company called SageStream , LLC. My credit score is XXXX and my XXXX is XXXX yet they report we have serious delinquencys and other false claims! We can't have excellent credit and have the things they are claiming! I have seen so many complaints about them! They need to be stopped!