23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I changed the online bill pay system 's account to pay from on a Chase Car Loan. The old account that it was going to pull from was an account that was being closed because of a recent divorce. The account did not have enough money to cover the cost of the car payment. For some reason, the payment went through the old account and not the new one. Because of this the old account went negative ; now, when my exwife and I are trying to close the account, we owe money to the bank. I called Chase and was asked if I'd like to reverse the loan payment and make a new one. When I said yes, I was transferred to " XXXX ''. XXXX told me that there is nothing he can do. I asked if he was able to verify that the old account is no longer associated with the car loan in any way. He verified that to be the case. He acknowledged the account that the funds should have come from. But, in the end, he told me that there is nothing they could do. He admitted that the money did not come from the correct account. When I asked to speak to a supervisor, he informed me that he is the supervisor. I asked to speak to his supervisor and he told me that I can't. I'm not sure how this is acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX {$97.00} no valid claim ... account was settled with original creditors by insurance carrier and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX {$0.00} Account Name : XXXX  Account Number : XXXX {$0.00} Account Name : XXXX  XXXX Account Number : XXXX - {$0.00} Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX  - {$1200.00} Account Name : XXXX  XXXX XXXX Account Number : {$1200.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account XXXX is a fraud account it supposed to be removed from my experian credit report my social security number is XXXX I filed a federal trade commission identity theft report on file please have experian remove the account in 24 hours
Product: Debt collection

I keep getting phone calls to my cell phone at XXXX XXXX ( in some cases straight to voicemail ) from supposedly TitleMax at XXXX XXXX saying I ( they think I am a guy named XXXX ) need to resolve it now or they would take legal action. Every time I call them I am told my number will be removed, usually after an interrogation ( I give no personal info beyond my clearly not XXXX gender and my name plus the fact that I have zero loans with anyone ). They clearly do not remove my number. I am only person in household, am not XXXX, don't know XXXX, have no mortgage, have no car loans, -- my only debt is credit card and store neither of which I believe TitleMax handles even if I were XXXX.
Product: Debt collection

I sent a certified letter on XX/XX/2019 to Enhanced Recovery Company ( ERC ) addressed to XXXX XXXX requesting validation ; The following items in my initial validation letter were as followed ; - Agreement with your client that grants you the authority to collect on this alleged debt. 
- Copy of the original contract/application that bears the original wet signature of the alleged debtor wherein he/she agreed to pay the creditor. 
- Date this alleged debt became payable. 
- Date of original charge off or delinquency. 
- Verification that this debt was assigned or sold to collectors ERC - Complete accounting of alleged debt. 

I then received a response to my validation letter on XX/XX/2019 from ERC, stating the following ; " Please find the enclosed documentation as it relates to the account '' only to find all they provided was partial bills from the original creditor. 

All of which was not enough to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe any debt to my prior landlord ( XXXX  XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I paid my rent in full and on time and provided notice of my intent to vacate the property per the terms of my lease at the end of my lease term. I did not cause any damage to this apartment. In this instance, my prior landlord is engaging in extortion, using intimidation and threats to compel me to pay money that I do not owe. I was referred to a collection agency XXXX XXXX XXXX XXXX XXXX and this debt has damaged my credit score. This debt has been pursued for several years even as I have filed disputes. I have attempted to communicate with XXXX XXXX XXXX. My mail was returned because XXXX XXXX XXXX moved and left no forwarding address. I sent my communications to the address XXXX XXXX XXXX provided the credit bureaus and includes on their correspondence to me. XXXX XXXX XXXX is being intentionally evasive. It should also be noted that XXXX XXXX XXXX is not a reputable company as they have at least 963 Consumer Financial Protection Bureau complaints ( mostly for improper debt collection practices ). XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has not provided any proof or documentation of damages ( including requested photographs, repair costs and invoices for repair services or materials ). I filed a complaint with the Indiana Attorney General, XXXX XXXX XXXX and various other consumer affairs agencies when this debt was initially pursued in 2015. Pursuit of this debt constitutes fraud and harassment by my former landlord. I have attempted to work with Equifax to have this item removed from my credit report utilizing the dispute process and have provided ample evidence that I do not owe this money. Including this debt on my credit report violates the Fair Credit Reporting Act as this debt is inaccurate and unverifiable. As XXXX and XXXX can not prove damages, I do not believe my credit should be harmed. Equifax is not doing proper due diligence to ensure the accuracy of my report. My report is a vital financial resource and damage to it creates great economic implications for me. I will file suit against my prior landlord and name Equifax in that suit if they fail to promptly remove this item from my credit report. Pursuit of this debt constitutes fraud and harassment by my former landlord and Equifax is complicit in that harassment given the validity their agency attributes to this debt by listing it on my report. Please note, I am an attorney. My damages are documentable and factual as I am attempting to purchase a home and including this item on my report damages my credit thus increasing my interest rate. Please note, I have also filed a Consumer Financial Protection Bureau complaint against XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX complaint # XXXX ).
Product: Money transfer, virtual currency, or money service

I have a small account with Coinbase. All I want is a phone number and address to keep in my files in case I go under a bus and my children need to close the account. I tried 5 times through their website, but they clearly rely solely on automated answers and never provided. This should not require a government complaint ( which I also mentioned in my last message, hoping that might elicit a real answer ). I understand the staff is remote, but so am I, yet my employer ( XXXX XXXX XXXX ) still has a phone and address. Hiding from customers is not a good look.
Product: Mortgage

I HAVE APPLIED WITH CITI VARIOUS TIMES TO GET A MODIFICATION AND GET ME CURRENT ON MY PAYMENTS. I HAVE TURNED IN ALL MY DOCUMENTS TO THEM WHENEVER THEY ASKED ON MORE THAN XXXX OCCASION. NO ONE IS HELPING ME, IN FACT I NOW HAVE A SALE DATE OF XXXX/XXXX/XXXX WHICH THEY ARE PRETTY MUCH TELLING ME TOO BAD!! I HAVE HAD OVER 50 % LOSS OF INCOME WITHIN THESE PAST FEW YEARS. I WAS FIRST DIVORCED WHICH LOST HALF OF INCOME BEING CONTRIBUTED TO THE HOUSEHOLD, AFTER MY EX HUSBAND PASSED IN XXXX THEY STARTED CHARGING ME FOR HIS MEDICAL EXPENSES WHICH I WAS NOT ABLE TO AFFORD AND WAS FORCED TO FILE FOR BANKRUPTCY. THEN IN XXXX XXXX I HAD XXXX WHICH I HAD XXXX FOR AND 3 MONTHS LATER I WAS FIRED FROM MY JOB I WAS AT AND WAS JUST LEFT WITH ONLY MY SOCIAL SECURITY. NOW IN XXXX XXXX I WENT TO THE DR AND THEY TOLD ME TO GO TO THE EMERGENCY ROOM ASAP BECAUSE I HAD XXXX AND THEY XXXX. I WAS ALSO INFORMED XXXX AND IT XXXX. I HAVE LOST SOO MUCH AND HAVE GONE THROUGH ENOUGH. PLEASE HELP ME SAVE MY HOME!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Obtained a loan through XXXX XXXX Bank in XX/XX/XXXX for a XXXX XXXX XXXX. Contacted the company to arrange for late payment they claimed was never made and repossessed our vehicle a few days later without any legal notice. Because we were not made aware of the repossession, we thought our car was stolen. After finding out it was repossessed, we were not given the information as to where the vehicle would be sold or the option to pay the past due balance. I was not aware until this year that by Nebraska law you must give written notice before repossessing a vehicle. After selling the vehicle at auction, they showed a remaining balance that we would be responsible for. I understand that is how that situation works however, the bank has held on to the loan since the repossession in XXXX and has increased and decreased the balance without any payments coming from us. Since auctioning the vehicle, reporting of late payments after a repossession occurs is an error. I have disputed this many times and the bank had even agreed to remove it from my TransUnion credit report but, have not for my other credit bureaus.
Product: Debt collection

Resurgent Capital Solutions has been emailing, texting and calling from a private number since XXXX XXXX. As you will see in the screenshots provided they called from a private number @ XXXX XXXX, which is before the beginning of the timeframe that debt collectors are required to follow. Next they are sending multiple emails per week and also texting me in between their emails which is also against the requirement for frequency of communication. I have never received a debt validation document as also required by federal guidelines from this company. I dont have a contract with them for the amount they are stating I supposedly owe. I believe this is harassment and they have not followed federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ) -- The amount of XXXX USD was paid in full over 3 months ago and the information has not been properly updated by XXXX. 

In addition, this is causing the credit agencies to falsely list that I have not paid off this balance for bank closure. 

Furthermore, it lists that I conducted " abuse or bank fraud '' of which I did nothing of the sort. Bank of America unexpectedly, and quite ditsatefully added in overdraft fees when I explcitity signed that I would not like any overdraft services. Fast forward a few years and I find that I have a closed BAC account that listed as " abuse and or fraud ''. 

This should be criminal as it has hindered my ability to do many things of which is open a simple bank account. 

XXXX XXXX, please fix your reporting and list that I have paid the account in full. At this point due to your obvious mistaking I would go further and reccomend a complete deletion from my report. Thanks.
Product: Student loan

I have contacted XXXX XXXX   several times. 
I wish to settle my student loan amount I have a loan amount right now that totals {$56000.00} I don't believe it to be fair or accurate to be charged such a high amount when I went to a private college where none of the credits are accepted anywhere. 

I understand that it is my responsibility to pay the student loan and I agreed to do so however I would like to do so by settling it completely instead of it accumulating more interests and fees.
Product: Vehicle loan or lease

Turned in Honda at end of lease. Honda did not ask for any payment/ turn in fee nor notify me that any payment would be due. XX/XX/XXXX, I receive this " Lease End Statement Details '' letter which states " per your request ... ''. I did not request a lease end statement details report, so I set the letter aside and did not take action. Because I did not request any such letter ( unlike it stated ) I assumed it was a fraudulent document, as it did not look official and did not include a payment slip or envelope. The letter stated there was an amount of {$360.00} due. If there was an amount I did owe, I expected the Honda dealer to collect the payment from me at the time I turned in the car, or send me a bill that looked similar to all my lease payment statements, that I could then pay. I never received any additional correspondence or Bills from Honda. I notice my credit score dropped dramatically and after requesting my credit report, see that Honda had sent this outstanding balance to collections. Aside from the attached letter, I did not receive any formal bill or notification that I owed this turn in fee. I am more than willing to pay anything I owe, but expect to receive a statement with bill pay slip. I will be calling Honda tomorrow, XX/XX/XXXX.
Product: Debt or credit management

I was charged for credit repair services from Lexington law upfront and monthly and services were not done.
Product: Credit reporting

This complaint is against Equifax. The other XXXX agencies removed these withdrawn tax liens last year. I have called and fax and mailed document and today was my final straw. I spoke to XXXX in the Customer Complaint area and he look at the documents that I sent from the IRS and he still would not withdraw them from my account. I spoke to my local county tax department where they was filed and they are showing withdrawn.. 

I lost my chance securing some credit I needed because of this lien. ( I also have that letter ) I do n't have enough money to hire a lawyer so I am hoping that you will help me. He told me it up to me to supply them whatever they wanted and I told him with my dispute they should verify with the county and IRS but he refused. 

I have names, dates and documents to support my claim. 

You are my last resort. They are not treating me fair and their holding my credit score hostage in the meantime. Equifax 's credit score is at least XXXX points lower than the other XXXX reporting agencies. 

PLEASE HELP ME!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card account opened in my name and used to ship items to address XXXX XXXX XXXX XXXX NE from the information I have been able to gather. I owned my own house and was paying a mortgage at XXXX XXXX XXXX XXXX XXXX ne XXXX when this account was opened and used to buy girls clothes, a vacuum and other misc items I would have had zero use for. My XXXX email account was breached and hacked in 2016 as well as XXXX. I have sent letters and identity theft report documents. I learned that I was a victim of identity theft just here recently by the IRS and Ive been trying to dispute this for years not knowing my rights under FCRA and now they will not remove the inaccurate reporting and negative information about me after receiving information that this account is not a result of me receiving goods or opening this account. Is it possible to get the IP address of where this was opened from? Its not from my house which would further validate this.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible, and that tracking these transactions was unfeasible. The CFPDs fighting indicate that Zelle has not only neglected to protect consumers, but also allow repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to inform you that these hard inquiries were not authorized by me and I wish to have them deleted. Some person or persons within your consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is XXXX. 
Since I never gave permission for anyone to inquire about my Credit Status, they are unauthorized. Furthermore, their continued existence on my Credit Report represents inaccurate information, which under the Fair Credit Reporting Act, must be removed. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX SERVICES XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX As I am sure you are aware, Section 1681 ( r ) of the FCRA prohibits such acts and provides for the following sanctions : Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency 's files to a person not authorized to receive that information shall be fined under title 18, United States Code , imprisoned for not more than 2 years, or both. 
This letter shall further serve as demand that your agency thoroughly investigate this matter and provide me the result of your investigation forthwith. Moreover, I expect your agency to immediately cease all such communications to unauthorized third parties. 
Sincerely, XXXX XXXX
Product: Debt collection

Sent documents on XX/XX/2021 indicating my remedy for violating 7 Federally Protected Consumer Rights under 15 USC 1692 and 1681 to avoid suit being filed in court. Invoice amounted to {$7000.00}, XXXX maximum for each violation committed by Jefferson Capital Systems , LLC. 
All but 1 remedy was acted upon. 1 ) zero the balance on the account and 2 ) deletion/removal from consumer reporting agencies **Failure to 3 ) compensate myself for every violation labeled in attached exhibits provided to Jefferson Capital Systems , LLC that violated FDCPA
Product: Debt collection

I previously submitted a dispute for Santander on my XXXX  report and they reported it as correct however it is not. They continue to report a late payment each month even though the account is closed. XXXX  refuses to allow me to submit a new dispute even though they are reporting it wrong and it is seriously affecting my credit. Dates of previos payments and total due are wrong XX/XX/XXXX Santander Consumer XXXX Web ID : XXXX {$430.00} XX/XX/XXXX Card Purchase XX/XX/XXXX Santanderconsumerusa XXXX TX Card XXXX XXXX XX/XX/XXXX Santander Consumer XXXX Web ID : XXXX {$430.00} This was reported as a charge of in XXXX with a balance of {$14000.00}. Then the amount increased after the charge off was reported XXXX XX/XX/XXXX Santander Consumer XXXX Web ID : XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX Santanderconsumerusa XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX Santanderconsumerusa XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX Santanderconsumerusa XXXX TX Card XXXX XXXX This company has several lawsuits pending for unlawful practices
Product: Credit reporting or other personal consumer reports

Since XXXX I have been sending my id and not getting responses and being told my info was never received or told inaccurate info about resetting my password. GET ME INTO MY ACCOUNT. I just waited 30 days for a response that had NOTHING to do with what I asked!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, and XXXX ) credit report, and I noticed some late payments posted on my credit report : Freedom Mortgage Corp XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]