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

I believe my information was compromised either due to a hack or someone obtained it illegally another way but It was used to open accounts that I have never done business with and now they are coming after me for the debt. These include XXXX XXXX XXXX, XXXX XXXX, the bureaus, XXXX   XXXX and XXXX  XXXX XXXX. Please help me get these fraudulent accounts off of my credit permanently. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again this another complaint against the student loan company American Education Services which is formerly the name of XXXX XXXX. I have filed complaints before in regards to their third-party collection practices. Allow me to refresh your memory : case # XXXX which involved XXXX XXXX and XXXX  and resulted with this company ceasing all collection activities against me ; case # XXXX which involved the law firm, XXXX XXXX XXXX XXXX and resulted in a Notice of Discontinuous that was filed in NY Supreme Court ; case # XXXX which involved the law firm, XXXX XXXX XXXX in which they claimed that the file was closed and left their office in XX/XX/XXXX.

However, I happened to check my credit score and decided to get my credit report. I found all this derogatory information on my credit report by American Education Services or AES/XXXX. On my credit report from XXXX in their comment section they claimed, " Transferred to recovery status updated XX/XX/XXXX. '' They also claimed that this account was first reported in XX/XX/XXXX meanwhile my account was opened on XX/XX/XXXX. My first initial payment to this company was on XX/XX/XXXX, My last payment to them was on XX/XX/XXXX. On my credit report from XXXX XXXX they claimed my last payment was on XX/XX/XXXX. Notice the difference of the last payment dates! In their remarks section they stated " Transferred to Recovery < > Unpaid balance charged off. '' Also this derogatory information is scheduled to come off my report in XX/XX/XXXX. However, this is the first of many derogatory complaints from this company XX/XX/XXXX, & XXXX. I will be filing separate complaints for each of them. I currently have disputes opened against them with XXXX XXXX and XXXX, I have to mail a request for a credit report with XXXX   because for some reason they would not allow me to get my credit report online. I do intend to file legal action against every last one of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Eqifax Mortgage Sol Unauthorized, do now know who this is. 


XX/XX/2019 Eqifax Mortgage Ser Unauthorized, do now know who this is.
Product: Credit card or prepaid card

I made all payments on time for a long time according to them, then since XXXX about they claim that my financial institution kept taking my payment s back from them after they had notified me that my payment has posted. they also state that I didn't tell XXXX XXXX  XXXX  to take the money back. Contacting them is extremely difficult because you have to battle a automated machine to get to a person who can't speak XXXX and they keep you on the phone for 30 minutes before you can get transferred to a supervisor where you are put on hold for about 30 to 45 minutes. then you have to repeat this process again and many times are hung up on and have to repeat this process. After hours of this you might get to the fraud division who blame everything on a other bank that by their admission i didn't order or authorize the taking back of the payments but state they I have to keep making payments or else even though they keep losing them or destroy my credit rating and continue to fine me for late payments. I told them I will not pay until they put things back and pay me for all the time I have put in to report this. the fbi and secrete service both say they do this to make yu give trying to reverse this and make you pay these fines.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Checking or savings account

Received call from XXXX XXXX XXXX Government ID XXXX. 
He stated that my identity has been used in Texas and opened several bank accounts that were used for drug money. Also a XXXX was rented in my name that was confiscated in a drug raid. Supposedly used by me. I have not been to Texas in years. I do not have an account at Chase bank, XXXX XXXX XXXX or any others that he named. He said that the FBI was investigating me. When I asked to speak to them he said he was providing the report. The number he called from is XXXX XXXX XXXX. Can you please help with this situation.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report that found a hard inquiry that does not belong to me
Product: Checking or savings account

Dear Supervisor, Today I went to my branch to remove the excess funds from my account which has been closed. Prior to my account being closed there was {$1000.00} deposited! I desire the account closed and for my excess in funds mailed to me as soon as possible. The branch told me to call customer service in XXXX Oregon. Because they had nothing to do with the account? This doesn't make any sense but customer service on the phone told me to go to the branch. It seems no one is aware of the proper procedures. 
Just return my excess funds in the account as soon as possible.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Covington Credit due to XXXX XXXX XXXX trying to collect an alleged debt that has not been validated. I am filing a complaint against Covington credit because they are listed as the original creditor of the alleged debt, and XXXX XXXX has no verifiable information such as a website, phone number, address, and they are not listed on the CFPB or XXXX 

Additionally, XXXX XXXX has failed to provide their license to collect debts in the state of Texas. After conducting my own search through the Texas State Comptroller, I have found that XXXX XXXX XXXX is not registered to conduct business in Texas. Their business transactions have also been forfeited in the state. These actions indicate that they are engaging in illegal business practices within the state. How did Covington credit sell this debt to an unregistered business? I am convinced that they both are illegally trying to collect from consumers. 

Given these violations, I am requesting the immediate removal of this tradeline from my credit report. Furthermore, the information reporting on my credit report is inconsistent between all 3 credit bureaus. I am attaching an invoice for the damages caused by their negligence and FCRA/FDCPA violations. I am requesting that Covington Credit remit payment to the address listed on the invoice. Failure to comply will result in legal action, where I will seek statutory and punitive damages for their unlawful practices. 

Covington Credit has also been accused of a loan churning scheme according to the CFPB and I will use this information in court.
Product: Debt collection

The balances and information that this collection agency is reporting is inaccurate. The same original creditor is reporting two different balances and the two separate charges for the same thing ( two separate amounts ). I've reached out to the collection agency and the original creditor to resolve issue. Original creditor can not tell me what the balances are. Regardless of terminating lease early, they can not verify what the balance is for and what the other collection company is collecting for. Of course the collection agency is going to stand firm that the information is correct, it is not! I will be seeking legal action against these people.
Product: Vehicle loan or lease

Good Evening, I would like to file a complaint against Chrysler Capital. I obtained an auto loan from them in XXXX of XXXX. The terms are 60 months at 18 % with a monthly payment of {$310.00}. According to my account statements, I've paid them over {$9300.00} since the beginning of my loan and my principal has only reduced by {$840.00}. I borrowed {$13000.00} and my payoff is currently {$12000.00} through XX/XX/XXXX. I did miss a few payments and my loan was deferred for a few months due to Covid-19, But this doesn't add up. I've contacted Chrysler Capital several times and they keep stating that the payoff amount is correct. I'm looking for any assistance you may provide.
Product: Debt collection

XXXX agreed to remove tradeline if I paid a large lump sum instead of via a payment plan. I paid and the tradeline was not removed.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Re : Acct # Ending in XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # ending in XXXX, which you Claim was charged off. Yet again, you have 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. 
As per the FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your report. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 
I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, to formally defend yourself. My contact information is as follows : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last 4 of SSN # XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/22, I received a text message asking if I had authorized a XXXX  transfer of {$3500.00}. I answered NO. I then received a call from the Bank of America customer service line alerting me that there was fraud suspected on my account and in order to cancel out this transaction I would have to XXXX {$3500.00} to my own phone number. I did this ( where it worked on/off ) until XX/XX/22 for a total of {$14000.00}. I then called Bank of America on my own and they told me that this is a scam they have often seen and that I have been sending money to scammers the whole time. Im not sure I will get the funds back because the funds were technically authorized by me.
Product: Checking or savings account

Bank closed my account at there discretion which I find odd Ive had that account for almost a year already and now that Ive deposited a large amount to my cash account they suddenly closed it Prior to it being closed Ive done a bank transfer to transfer my money to my other bank account before it closed I try reaching out several times via phone but goes to a recording
Product: Student loan

I refinanced my federal student loans with XXXX, who sent my loans to the processor, Mohela. In addition to making my monthly required payments, I have started making additional payments each month in order to attempt to pay off my exorbitant student loans ( which started at just over {$240000.00} ). Until last week, I had been able to apply my additional payments to principal. The lender is now trying to make it harder to pay off my student loan by rejecting my payment instructions and stating that all payments need to go to interest first, even discretionary extra payments. These sorts of unfair practices to make it more difficult to pay off student loans are the exact types of practices the CFPB has come out against : https : //www.consumerfinance.gov/about-us/blog/you-have-right-pay-your-student-loan-fast-you-can-without-penalty/. I have contacted my lender, but they have refused to change their new policy and honor my payment instructions. Below is the email I received from Mohela : Dear XXXX Member, We are writing to inform you of an update related to your payment instructions at MOHELA. Per your Loan Agreement, payments will be applied to accrued interest to the date the payment is received prior to your payment being applied to principal. Your payment instructions are not consistent with this requirement ; therefore, we will need to amend those instructions going forward. Effective immediately, payments will be applied to satisfy accrued interest prior to being applied to principal. 

For additional information or any questions, please contact a Specialty Servicing Specialist at XXXX.
Product: Debt collection

I am guessing that this account was sold to Galaxy International Purchasing , LLC under false pretenses, I will not pay this bill until XXXX XXXX XXXX AKA XXXX. XXXX sent someone out to fix the wiring that their electrician messed up. I was going to pay for myself up front until they began to be rude, tell me how long I had and who I needed to get to fix it. I had covid and that didn't matter t them, so now they can send someone out to fix the problem or I will have my landlord start the process of suing them. I refuse to spend my money up front and wait until they feel like paying me back
Product: Payday loan, title loan, or personal loan

These people are calling my daughter, my parents who are XXXX years old. Last call was on XXXX to my parents upsetting them. On XXXX they contacted my daughter who live in Pennsylvania and works for the Federal Government and this jeopardizes her job. 

The reason for the mistake is the payday loan people double payments which forced the bank to close my account due to insufficient funds when my rent check, insurance checks everything bounced. I was then given a 3 day notice to quit. I almost became homeless. 
They call 5 to 6x times during the day while I'm at work STOP IT!!!!!!!!!!!!!!!!!!!! 

I already have a garnishment from the IRS, STUDENT LOANS, FRANCHISE TAX BOARD, so I don't know how they aspect to garnish my wages. I am not an expertise on the law but I already have 3 garnishments
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I was told I couldnt move in my place because of eviction on my credit frim XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

credit company ( XXXX  ) will not remove this and the opening date is incorrect name : XXXX XXXX date opened : XX/XX/XXXX balance date : XX/XX/XXXX balance amount : XXXX status : closed Credit company ( XXXX ) will not remove this old account, this account is closed but they have it listed as opened. 
name : XXXX date opened : XX/XX/XXXX balance date : XX/XX/XXXX pass due amount : XXXX balance amaount : XXXX 1.Credit company ( transunion ) will not remove this old account delinquencies name : XXXX XXXX date opened:XX/XX/XXXX balance date:XX/XX/XXXX account status : as agreed 2.Credit company ( transunion ) will not remove this old account delinquencies name XXXX XXXX XXXX date opened : XX/XX/XXXX balance date:XX/XX/XXXX account status : as agreed
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX both XXXX and transunion were notified that they had 15 days to stop publicly furnishing private information of mine. Its been well over 31 days actually. XXXX XXXX company was the only one who updated my account via XXXX but XXXXXXXX XXXX XXXX XXXX and aspire are all credit card companies who sent my public information to a 3rd party ( all 3 CRAs ) to furnish publicly. Furnishing recent and high balances is a ftc violation an fcra violation and invades my privacy rights. If my limit is {$800.00} transunion is not allowed to publicly furnish transactions and experiences over {$800.00} they are guilty alongside XXXX and XXXX this violates the Privacy Act of Consumer Financial Information Ru of the Gramm Leach Bliley Act. According to FCRA 15 U.S.C. 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) states consumer reports does not contain any report containing information solely as to transactions and experiences between the consumer and the person making the report. Transactions and experiences are the same as recent and high balances that CRAs furnish against my will which is an invasion of my privacy and these companies need to stop violating my consumer rights
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 XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXXXXXX Account Name : XXXX XXXX  Account Number:XXXX and list of Inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently updated my credit report and found that an account I had previously disputed and removed because of identity theft has been reinserted without any notification to me. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if any account that was removed from my credit report is put back, I must be notified in writing within five business days. I did not receive any such notice, which violates my rights. This account is not mine and is the result of identity theft. Under the FCRA, 15 U.S.C. 1681c-2, accounts that are proven to be from identity theft should be permanently removed from my credit report once identified. By putting this account back on my report without telling me and without my consent, the credit bureau has broken the law and violated my rights. I am asking that this account be immediately deleted from my report again and that I am provided with written confirmation of this. I also want to make sure that my rights are respected in the future, and that no more fraudulent accounts are added back to my report without following the proper procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00}