23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Jefferson Capital Systems knowingly lied to the credit bureau about re-aging a collection adding three years to what I still do not now is a valid debt.

I submitted a dispute via XXXX and Jefferson lied and said it met FCRA rules considering I haven't had the account in 5 years -- ans had a current account with XXXX until I switched providers last month can't be true.
Product: Checking or savings account

XXXX XXXX & XXXX, XXXX a total of 6 QuickPay Payments in the amount of {$10000.00} was taken out of my Chase Business Checking account and sent to random emails. Chase never notified me and this activity was not part of my normal activity. I received an insufficient fee on my personal acct and I went online to transfer money when I noticed these transactions. I immediately notified Chase and on XXXX XXXX went into Chase at XXXX XXXX XXXX XXXX location and closed account & then opened a new account. On XXXX XXXX, Chase credited me the amount temporarily and then on XXXX XXXX, without any notice reversed the credit leaving my account overdrawn. My payroll money and receivables came in an immediately were taken out to offset my overdrawn account. At that time I was not been able to pay any of my present bills, payroll or rent. I went to the police and filed a report. I also spoke to Chase Fraud claims dept and the only thing they stated is there was no new device and Ip was in vicinity of my address, Chase closed the fraud claim and said I allowed someone to get on my computer. I repeatedly tried to open this claim with new information, stating I was not in New York city when this occurred and that I did not allow anyone to come on to my computer during this period. I originally when making a statement when Chased pressed me if any one accessed my computer I told them that Microsoft came on the computer to help me setup the Outlook but this is not the computer I do banking and this was my boyfriend 's computer and he made a statement stating this. My boyfriend does not have my Chase Banking information. Chase would not re-open case saying this was not fraud and it was my fault but they will not give me any proof. They will not state where the money went ( ie bank accounts, etc ), they will not state the IP address and they will not give me the device this was used on. I thought as a consumer, the bank accounts are insured up to {$250000.00}. It is very easy for them to say this is not fraud and yet not give any information. I was told I would need to sue them to Subpoena records and get my money returned. In the meantime, they have taken $ XXXX and left my account overdrawn XXXX and keep calling me to pay this and if I dont they will charge off and ruin my credit. To note, I have been trying to get a mortgage and with all this activity it has put me in a compromising situation in getting a mortgage, fees and stress. 

Please advise what can be done here.
Product: Credit card

Yes I had someone steal my card and go on a shopping spree in a span of two days. They shopped at XXXX different stores. Navy Federal denied my claims saying they couldnt find a billing error.
Product: Student loan

Received a payment confirmation notice on XX/XX/XXXX for {$4000.00}, another payment confirmation notice on XXXX for {$2000.00}, and another payment confirmation notice of {$2000.00} XX/XX/XXXX due to the payment reversal of the XXXX payment. I checked my Edfinancial account again and it stated that my loan balance was {$0.00} on XX/XX/XXXX. The morning of XX/XX/XXXX, I got a email notifying me that every payment got reversed. I will accrue interest on XX/XX/XXXX if these payments are not paid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account number : XXXXXXXX XXXX XXXXXXXX Account number : XXXX. XXXX XXXX XXXXcount number : XXXXXXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX : Account number : XXXX. XXXX XXXX XXXX Account number : XXXX. XXXX Account number : XXXX. XXXX XXXX Account number : XXXX. XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX Account number : XXXX. XXXX XXXXXXXX Account number : XXXX. XXXX XXXX XXXX Account number : XXXX. XXXX XXXX XXXX Account number : XXXX. XXXX XXXX XXXX Account number : XXXX. XXXX XXXX Account number : XXXX. XXXXXXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXXXXXX Account number : XXXX.
Product: Credit reporting or other personal consumer reports

I bought a minivan with my wife at the time through XXXX ( a XXXX owned company ) financing. We got divorced and as part of the mediation stipulation prior to the final divorce hearing, I was ordered by a judge to cede ownership of the vehicle to my now ex wife ... ..which I did in 2020. My ex wife subsequently stopped making the payments on the mini XXXX and it was repossessed. XXXX is reporting 18 months of late payments and the repossession of the vehicle which was not in my ownership on my credit report, and despite the vehicle being sold by XXXX and the debt being charged off using XXXX XXXX dollars, I can not get a loan to participate in XXXX XXXX as a result of a foreign company not recognizing a XXXX judges order between XXXX XXXX citizens in a court of American law. XXXX is a foreign company triple dipping on the loss of the vehicle, and probably demanding my ex pay too... .quadruple dipping on us XXXX, taking advantage of us tax laws and falsely report information preventing us XXXX from participating in commerce
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2020 i was shopping for the best rates for my car loan and as a result my credit reports have been hit multiple times within the given 14 day period. I thought the rule stated I woukd only be assessed one point? This bank hit my credit twice on separate occassions the same week.
Product: Credit reporting or other personal consumer reports

First incident : Chase account was reported twice for the overdue balance/closed account. Once in XXXX and recently. 

XXXX closed my account ( XX/XX/XXXX ) while having me on a payment plan to pay off the account and never notified me of the closure. They claimed they sent mail to my home but I have opted out of paper mail, and never received an email or app alert telling me it was closing, just that I had monthly payments due.
Product: Mortgage

My escrow account is reflecting a lower amount on the customer facing website/software that I log into than what the representatives see on their side. My view states the escrow is at {$120.00}. However representatives on the phone are stating that it contains {$1200.00}. Which is it? Why is your customer software reflecting a different amount?
Product: Student loan

Navient is practicing fraudulent and deceptive practices with its student loan repayment processing. When attempting to repay student loans Navient calculates the amount due three ways ( 1 ) Total Amount Due ( 2 ) Current Amount Due and ( 3 ) Unpaid Fees. Navient has two options to repay those amounts ( 1 ) Quick Pay which is the Total Amount Due OR ( 2 ) Custom Pay which allows you to manually input payment amounts totaling the Total Amount Due. However, this is a fraudulent and deceptive practice because the Borrower is forced to pay the Total Amount Due regardless of intention or desire. The Borrower can not pay the Current Amount Due or Unpaid Fees as the system would suggest. ( See attachment for clarity ) Further, when attempting to complete a Custom Pay Navient forces the Borrower to pay the Total Payment Due ( rather than the Current Amount Due ). The repayment tool does NOT allow the Borrower to pay the Current Amount Due.

The fraudulent and deceptive practice becomes even more apparent when attempting to make a payment to Unpaid Fees. When selecting to make a payment of Unpaid Fees the tool calculates the Unpaid Fee amount and submit that payment amount toward interest and principal, NOT toward the Unpaid Fees as the system indicates. Thus, the Borrower CAN NOT pay the Current Amount OR Unpaid Fee Amount. 

In this case, the unpaid fees occurred in XX/XX/2012. Thus, Navient has been calculating and receiving an additional {$81.00} per month and allocating it toward principal. Borrowers under IBR plans have been paying, and Navient has been receiving, amounts that are more than required under law. 
It took me 8 years before I figured this deception out. I am sure hundreds of other Borrowers are incurring the same fraud and deception as I have, costing them hundreds and thousands of dollars per year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank sent me an email stating late comment reporting on my personal credit report will be removed for XX/XX/XXXX and XX/XX/XXXX. This letter was dated XX/XX/XXXX and also there was a Universal Data Form included as proof it was submitted. However, it was not updated on my personal credit report. I have contacted the company and was told it was completed but its not reflecting as corrected on all credit bureaus. This is for the PayPal Extras credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing Personal Information, Collections, Inquiries ( See Attachments ) Inaccurate Personal Information ( Name, Address, Employment, Social ) Collections ( see attached ) XXXX XXXX  XXXX XXXX XXXX XXXX FDCPA & FCRA Violations ) Requesting ( Validation, Verification, Proof Validation Letter Sent, Address on file for consumer ) ( All Documentation in Cease and Desist Letters ) Attached Hard Inquiries ( no authorization ) Permissable Purposes
Product: Debt collection

On XXXX i sent a complaint about this company for attempting to collect a debt that is not owed, this company has contacted me numerous of times after 9pm and have now been calling asking for someone else then hanging up, on XXXX this company was suppose to send a validation of debt out and today XXXX i have yet to receive a validation of debt from this company, please i ask that this debt be removed from my credit reports across the or i will pursue legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX Bankruptcy 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX  I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 or other personal consumer reports

I am filing a complaint against XXXX and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The errors are as follows : XXXX XXXX XXXX {$4700.00} XXXX  {$28000.00} XXXX XXXX XXXX XXXX {$20000.00} Acct XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report and saw inquiries that I don't recognize and want them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commission 's IdentityTheft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX showing XXXX my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide with the exact source where you received such information, so I may take appropriate legal action
Product: Prepaid card

I have not been able to use my RUSH card for emergency situations sch as traveling to see my kids and also pay bills. I think it is flat wrong to be hung up on by service reps, and lied to at every turn. I need to get my money out of this system ASAP
Product: Mortgage

My loan was transferred to Mr Cooper on XX/XX/2024. 
I've noticed there are six fraudulent payoff quote requests against my loan. The dates of the payoff quote requests are XX/XX/XXXX ( XXXX requests ), XX/XX/XXXX ( XXXX requests ), XX/XX/XXXX ( XXXX request ) and XX/XX/XXXX ( XXXX request ). 

There are fees ( {$20.00} for each request ) for these fraudulent requests added my monthly statement. 
I would like to request stopping this from happening again, checking how this has happened without my knowledge and refunding me the fees related to these fraudulent payoff requests. 

I've reached out to Mr Cooper customer service via live chat, requesting fees associated to these fraudulent payoff quote requests be removed but the customer service representative told me that is not possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified.

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. ( Bureau ) 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 Bureau is 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. 

XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} or XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Bank account or service

In attempt to cancel checking accounts with XXXX XXXX Bank through website ( I work as XXXX and can not make it to bank during working hours w/o loss of income ) I received service fees. I paid the one I am responsible the remaining were caused by lack of proper communication on the part of the bank. This information has been sent to the collection agency. They have provided no reply except for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone XXXX my XXXX  a few years ago when I was at a car wash and I see now that they have opened accounts using my information, I am a victum of identity fraud and i am XXXX off. I need my reports corrected as soon as possible.
Product: Debt collection

After signing up for just internet service ( high speed home service ), at the rate of {$40.00} per month. I signed up with the guarantee that if not satisfied with the service that I could cancel the service. After attempting to resolve the added on charges, which exceed the {$40.00} contractual signed documents. I was then sent a {$130.00} and {$160.00} bill for which the service was misrepresented. The services I received were extremely slow and charges were not what was agreed upon. So in contacting XXXX  and speaking to the customer service representatives and not coming to any conclusion. XXXX decided to send my account information to collections, resulting in damaging my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking to all my credit reports and doing follow up and I have some inaccurate information. My current and accurate address is XXXX XXXX XXXX XXXX XXXX LA XXXX I need properly update ADDRESSES to reflect my accurate information. 
Please remove the follow addresses they are not mine : XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Please delete this account from my file it was settle in full with the original creditor and I do not understand how it is listed as Paid collections when I paid the owner of this debt before it was in collections, Error please delete ASAP! 

XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to these inquiries and have strong suspicions of fraudulence. I urge you to conduct a comprehensive investigation and expeditiously remove them from my credit report.
Product: Money transfer, virtual currency, or money service

Money received last XX/XX/2020. My paypal account was put in limited account, can not withdraw and transfer money. Need to wait for 180 days. After 180 days, money can not transfer & withdraw to linked bank and put to 180 days limitation again for the 2nd time. I want to get my money from Paypal. I waited long time, still can not get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

[Letter # 4] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {
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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX Balance : {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

My original loan was for XXXX XXXX. Im now in collections for Past Due Amount {$14000.00}. I have asked for interest and late fees to be dismissed as well as making a settlement offer. The company is unwilling to help with these requests. My loan amount keeps getting higher and Im unable to catch up. I cant make this loan payment. Its affecting my credit and ability to move in any payment resolution. Theyre sending me to collections
Product: Mortgage

My wife and I are currently in the end stages of refinancing our home. Escrow has noticed us that Tesla, the company that holds our Solar Lease, is now requiring a {$150.00} price processing fee before they provide a UCC release. This is not the first time weve refinanced having these solar panels, but it is the first time Ive heard of this type of processing being demanded which if not provided will result in the refinance not being completed. I believe the CFPB should look into this type of price gouging for a document that should be provided as a regular part of business.
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. 

1. Did not consent to unauthorized inquiry. 
XXXX Inquired on : XX/XX/XXXX Please Remove It From My Credit Report. 

2. Did not consent to unauthorized inquiry. 
XXXX XXXX Inquired on : XX/XX/XXXX Please Remove It From My Credit Report. 

3. Did not consent to unauthorized inquiry. 
XXXX XXXX Inquired on : XX/XX/XXXX Please Remove It From My Credit Report. 

4. Did not consent to unauthorized inquiry. 
XXXX Inquired on : XX/XX/XXXX Please Remove It From My Credit Report. 


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.