23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Please pull the phone records for a conversation that took place approximately XXXX XXXX 2015 between myself and a XXXX  customer service agent. I had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months after graduation. So I called in because I had graduated only 3 months prior. The representative told me that I was correct and that XXXX starts sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the XXXX customer service agent on approximately XXXX XXXX 2015 I waited another 3 months in " grace period '' and it goes by and all of the sudden XXXX XXXX  notifies me that approximately 45 late payments were posted to my credit report. 1 for every sub-loan account on record with XXXX, and for every month, for 3 months in a row totaling to approximately 45 late payments. Even if it was true and I was late I would 've been late paying one payment per month not one separately for every single sub-loan account with XXXX! 45 late payments is malicious and has indescribably made my life a living XXXX. I 've been rejected to buy a house, I ca n't get a decent rate on my car loan, and basically my credit score has been brought down to the XXXX 's solely due to XXXX XXXX customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with XXXX 3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals have been rejected too. I have called in and talked to customer service representatives who have confirmed that this has been a problem with many others and they told me to keep submitting more disputes ; which I have to no avail. I have also hired XXXX XXXX which I have been paying {$100.00} a month for, for over 2 years and they have filed many, many disputes with all 3 reporting agencies against these XXXX false reporting s. All of this time, money, and energy has been to no avail. This is ruining my life. I graduated and I got a good career and I have had my XXXX  student loans set to Autopay ( never missed or late ever ) and yet I am be rejected for a home mortgage and can not move forward in life. Please help me consumer financial protection bureau! Please do n't let them just ruin my life!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FOUND INFORMATION THAT I BELIEVE IS FRAUDULENT IN MY CREDIT REPORT THIS INFORMATION IS DEROGATORY AND DAMAGING TO MY CREDIT. 
PLEASE HELP ME TO CLEAR THIS ERROR.
Product: Debt collection

A so called recovery place tried to get me to pay {$830.00} today by days end or face a {$5000.00} judgement in court for a old credit card I never had. Says from XXXX in which is impossible because I didnt have a capital one card between these yrs. What is the statue of limitations on these matters!!
Product: Student loan

I had a consolidation loan in 1997 with XXXX of {$84.00}, XXXX the loan changed to the current navient. In short I have paid a totall amount of {$150000.00}. Of the amount paid {$130000.00} has gone to interest, {$4900.00} has gone to fees and only {$11000.00} has gone to the principle of the loan. My current balance is {$94000.00} which is {$10000.00} more than the original amount. I do n't understand this loan and have always felt I 'm getting ripped off!!! I have an automatic withdrawal every month of {$970.00} and interest rate at 8.750 percent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> LexisNexis XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear Consumer Relations, I am writing to request a security freeze on my LexisNexis consumer report. My consumer report. I understand that LexisNexis allows consumers to place a security freeze on their reports to prevent unauthorized access and potential identity theft. 

Please process this request promptly and confirm once the security freeze has been successfully applied. If you require any further information or documentation, please do not hesitate to contact me at the address, email, or phone number provided above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I recently applied for a debt consolidation loan to pay off XXXX creditcard debts with Capital One, but I was told that the XXXX creditcard debts had been discharged. Capital One continues to send mebills every month and I send them checks for those cards. 
If the debts were discharged, the bank is allowed a tax deductionfor uncollectible bad debt, but they are collecting payments every month. How could the debt be UNCOLLECTIBLE? Each monththe statement shows a REMAINING balance. If the bank wrotethis debt off, where are my payments being credited too? 
Is the bank entitled to a tax gain, as per the write off, while stillcollecting payments? If not where are payments going?
Product: Checking or savings account

I opened the account with SoFi ( worst decision I have ever made ) on XX/XX/XXXX and the last direct deposit was made XX/XX/XXXX. I have never taken money out of the account. They froze my account in XX/XX/XXXX stating that my account was flagged for suspicious activity. I called them immediately to request that they unfreeze my account, and the individual I spoke to said it would unfreeze within a week of investigating the activity. I called them several months later on XX/XX/XXXX to see why my account was still frozen. The woman I spoke with said they had no way to directly identify the problem as the department that monitors accounts is different and she could only put in a message for them. She reportedly sent a message asking that they review my account and stated that hopefully this will speed things up. She could not give me a reference number regarding my claim, and did not even provide her full name. As of the date of this complaint ( XX/XX/XXXX ). My account remains frozen. I need access to my money so that I can transfer it to a bank that can provide basic banking and helpful customer service. SoFi is the worst.
Product: Mortgage

On XXXX Chapter XXXX Bankruptcy was filed in Federal Court here in XXXX Pa. However despite being presented with these documents Wells Fargo is refusing to honor this
Product: Credit reporting or other personal consumer reports

I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to verify my identity. 

I recently applied for a loan and was denied. I checked my credit report and noticed some accounts that are fraudulently on my credit report without my consent or authorization. 

These debt collectors are claiming that I owe them and are reporting negative information which is damaging my credit worthiness. They have not validated the debt to show any contract between them and I, to justify their claims that I owe them, and when I contacted them, they sent me frivolous automated responses that did not address my concern. 

Also, the credit bureaus are not conducting a reasonable investigation and are allowing the reporting of this fraudulent information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I was divorced in XXXX and as part of the divorce our house XXXX XXXX XXXX XXXX Ohio was awarded to my ex-wife. In XXXX she filed for bankruptcy and including her condo fees and house mortgage in it. This was used to refinance the house and my name was taken off the loan per the court documents. The credit brearuou claims my name is still on the load and has refused to take it off. Court documents indicates otherwise. 
I want my name to be taken off the loan from Welsfargo and the credit brearou or credit reporting. 
The credit reporting company has refused to take my name off the loan despite serveral calls to them with documentation proff. The credit reporting company say it has to come from Welfargo Bank and they are not doing it.
Product: Credit card

I received a call from XXXX XXXX XXXX asking if I could hear them, I said yes, they a woman static in my phone said she was chase bank calling about my account. I do not use chase bank, may have in past? I then hung up. phone came up from California on my XXXX phone on call history. XX/XX/year>. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been working on getting my credit in great standing to buy a house. In this time I have been strictly repairing my credit. With verification letters being sent out first. I have yet to receive any information or updated status on this account. Status dates have not change since XXXX on this account which means the account was not investigated but said to have been verified and continues to report on Experian and XXXX. XXXX XXXX XXXXXXXX XXXX hasnt responded to the dispute and failed to launch an investigation into this account within XXXX  days which is required by the Fair Credit Reporting Act XXXX XXXX. Experian and XXXX  are reporting different information, one shows the account has been sold to XXXX XXXX and another shows its has not been sold. In XXXX of the attached photos you will see That XXXX is reporting as the collection and original creditor with no consumer dispute added, which means no investigation has been done and multiple violations of the FCRA. I am requesting that this inaccurate information be deleted from my credit file immediately. XXXX XXXX XXXXXXXX XXXX has violated federal laws and continue to report negative information on my file without launching an investigation that is required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has taken more than 30 days to respond to an investigation request from XX/XX/2019.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt you say I owe you. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative marks is found or continues to report on any of my credit reports by your company of the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with FTC and other state of federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any informa
Product: Debt or credit management

My Experian credit APP has been hacked and my information has been compromised due to Experians lack of proper members information security.
Product: Debt collection

This debt has ALWAYS been in dispute- The dept was for the EXTRA cleaning do to daily use when my son 's apartment was exited. I made SEVERAL attempts to clear and or verify information with the apartment complex, XXXX XXXX XXXX, including filing a complaint XXXX XXXX, but XXXX never provided evidence of their billing. Their billing did not match the exit papers nor the condition of the apartment and to me was clearly fraudulent. I provided all information to Hunter Warfiled and they have removed my credit dispute from XXXX.
Product: Credit card or prepaid card

Called Customer Service representative and they stated I have a XXXX credit limit. I was incorrectly informed and the actual credit limit was XXXX. I had unknowingly gone over my credit limit several times and never had any issues or high minimum balances or delinquencies until XXXX XXXX. 

I made 4 on-time payments ( XXXX for XXXX, XXXX for XXXX, XXXX for XXXX, XXXX for XXXX ) which was putting my account balance below the credit limit. I got a call from collections stating I was past due on my accounts for XXXX XXXX and XXXX XXXX. I had explained I had made multiple payments on the account for those months on time so they should n't be past due. The representative stated that even though I was making payments and my balance amt was below the limit I was n't making the full minimum payment and thus they were charging me with being delinquent on my account. Upon this knowledge I rectified the situation immediately and paid beyond the minimum payment even though my account was below the credit limit just to stop the delinquent status and it has been in good standing since. As a result they are reporting to credit agencies that I had be delinquent payments for XXXX XXXX and XXXX XXXX. I have tried to call customer service several times and told I needed to send a dispute letter ( which I have sent 3 letters XXXX XXXX, XXXX XXXX and XXXX XXXX to the XXXX XXXX office. I have never gotten a response back despite the customer service representative telling me they needed to respond in 30 days.. My last call was XXXX asking to speak with an actual person to resolve this and was told to send another letter ( Which I have sent once again on XXXX/XXXX/XXXX ). At this point I need further assistance or a live contact within the company to be able to assist with this issue.
Product: Debt collection

Calls me every single day as well as repeatedly calling family members and former workplace.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Unauthorized Inquiry
Product: Debt collection

Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX Per law, 15 USC 1692c ( c ), if a consumer notifies a debt collector that the consumers refuses to pay a debt the debt collector must cease all communications, this includes debt being reported to credit agencies. 

I have sent this company a cease and desist and the company has refused adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter. The company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of CA. Credit bureaus have all been notified as well and has refused to cease collection reporting for said accounts advised. 

Please have the company crease all collection activities as this is my final attempt to complain outside of court.
Product: Debt collection

I have been receiving calls on my work phone about an unpaid debt from someone named XXXX XXXX. This person does not and has not ever worked here and this number has been used by my company for many years. I receive a call about once a week and have been receiving them for a few months now. The call is automated and I am never connected with an actual person that I can talk with to correct this issue. There is a phone number listed at the end of the call.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/year>.
Product: Credit card or prepaid card

On XXXX XXXX someone applied to two different credit card companies without my permission. I have contacted each company involved and they stated they will complete an investigation. But it will take some time to remove this information from my credit. I do not want this to be on my credit as I am not the person who authorized these cards. XXXX and XXXX XXXX also know as XXXX XXXX are the two companies who issued the cards.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I contacted XXXXXXXX XXXX to terminate my role as an authorized user of this account. I requested that my ECOA ( Equal Credit Opportunity Act ) status be updated to reflect this change as " T '' ( terminated ) and that the account balance be set to {$0.00} on my credit report. 
XXXXXXXX XXXX confirmed they were processing the update but have since failed to provide a written letter confirming this action. 
Despite my attempts to follow up, my credit report has not been updated accordingly, and the balance associated with this account still appears under my credit profile.
Product: Checking or savings account

When I opened my checking account with U.S. Bank, I never opted in for automatic overdraft protection. In reviewing old U.S. Bank statements, I learned that the fees in excess  of $ 200+  dollars originated from an unauthorized debit transaction that U.S. Bank  decided to pay, which caused my account to be overdrawn by  less tha n one d ollar ( {$1.00}   XXXX   ) ; I believe the exact amount was {$0.00} (   XXXX   XXXX   ).     U.S. Bank has charged numerous fees all as a result of this transaction. They charged overdraft fees, negative balance fees, and interest, I believe, was another fee that was posted to my account.     They 've since sold this debt at least twice now, and when I received the collection notice from each of the d ebt collectors to  whom U.S. Bank sold this account, I asserted my right under the Fair Debt Collection Practices Act to demand validation of the debt. As a result, b oth debt collectors returne d the debt back to U.S. Bank.     On  XXXX   XXXX ,    2017, I re ceived a correspondence from U.S. Bank in which they erroneously claimed that I sent a cease and desist letter to their debt collector, when, in fact, I demanded validation of the debt.     So far, I have had to spend approximately {$15.00} sending certified letters to U.S. Bank and their debt  collectors. I b elieve U.S. Bank will continue to try to collect on this invalid debt, continue to damage my credit, and they will never admit fault in this matter. This is why I have escalated this matter to the CFPB.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX.
Product: Debt collection

XXXX XXXXXXXX XXXX {$820.00} i try to contact XXXX XXXX XXXX and now they sold my debt to credit collection servic and no one is helping me i cant get in toch with debt collector XXXX XXXX Submit this complaint NOT a COMPANY XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received an " Adverse Action Notice '' of unable to extend credit for Loan requested {$5000.00}. However, I did not apply for this loan. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV XXXX, Phone XXXX have sent this notice to me dated XX/XX/2022. 

Since I also had array of charges on my 3 credit cards between XXXX, XX/XX/2022, my XXXX XXXX card was charged {$320.00} from XXXX. I have {$260.00} Pending charge from XXXX on my XXXX XXXX card. I have {$370.00} charge from XXXX on my XXXX XXXX XXXX  XXXX Card. All three charges were not authorized by me. 
I do not want to contact XXXX XXXX XXXX by phone to give any more personal information. I will write to them to deny any application submitted with them and ask them to remove the inquiry on my credit card.
Product: Debt collection

I contact the creditor numerous times that the debt is not mine. The creditor has not validated the account but yet still placed the account on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and I feel the investigation was invalid due to inconsistency
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding TransUnions failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX I sent all the bureaus supporting documents in regards to accounts being fraud and not belonging to me due to identity theft/fraud. I am a victim of this and the bureaus have still kept an account that does not belong to me on my files. It needs to be removed asap. Also there is a capital one account that has me listed as a n authorized user. When I called the company to remove me they said they had done so but it is still showing up. it needs to be removed. I did not authorize these companies to furnish this information at all Per 15 usc 1681b. The account in question is the XXXX XXXX card. and capital one card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact XXXX, XXXX and XXXX  in regards to frauduelent loans, and other credit issuing. I was homeless since XXXX until recently have signed a lease. There shuould not be any home loans, credit cards report or other due to me being undomicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion did not correct all the records as I requested in the last case # XXXX.