23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear CFPF associates, In XXXX, I agreed to XXXX XXXX  insurance for one of my Citibank credit card accounts only because I misunderstood or was misinformed about the cost. When the paperwork arrived, my wife informed me of the actual cost. I was going  to cancel it, but my wife asked me to keep it. In XXXX, I was diagnosed with a new XXXX  and XXXX  XXXX  that I was unable to manage. In XXXX, I had to stop working and applied for long term XXXX. I continued to pay all of my debts as usual. My wife reminded me about the Citibank acct. with the XXXX XXXX and I applied for their job loss benefit in which they freeze your acct. In XXXX of XXXX, I received notification from XXXX XXXX that the job loss benefit was accepted and implemented. A few months after, I notified XXXX XXXX that I received a fully favorable long term XXXX ruling and sent them a copy of the ruling, SSA approval letter and the medical documents used to make the determination. I also applied for their XXXX XXXX long term XXXX benefit in which they pay the balance of your acct. over 24 months up to {$10000.00}. A few weeks after, I received a response from XXXX XXXX stating that they accepted my long term XXXX status, but requested that my physician fill out and sign a form. After receiving the form, I dropped it off at his office. The following week, on my next appt., I reminded him about the form, he informed me that he couldnt do it. He stated that he doesnt do any of that paperwork for credit card companies, nor does he know any other neurologist that do, due to the risk of having to appear in court and being inaccessible, in case of a dispute. This is when all of the problems started. Attached is a narrative of what followed along with complaints to the parties involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

As being a victim of identity theft. I have repeatedly sent all files and documents to XXXX and EXPERIAN. These companies will not follow cfpb guidelines for all identity theft cases. It has been 120 days and they will not remove all accounts that was opened fraudulent in my name! I have sent everything they needed to prove my case. Under your code of 605B " BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT [ 15 U.S.C <1681 c-2 ] theses companies are not following this rule.
Product: Credit card or prepaid card

I received an unsolicited Visa debit card in the mail at my home. The card also misspelled my last name so likely fraud is involved either with a third party or US Bank not vetting their databases. I tried contacting US Bank via the website and toll free numbers on the form/card and can not reach anyone directly. The number/email are strictly for card activation. If my credit has been run without my authorization I will be taking action.
Product: Credit card or prepaid card

In XX/XX/2019 I took advantage of a 0 % promotional balance transfer offer from XXXX XXXX   However, every month I have been charged the minimum finance charge of {$2.00}, even though no other purchases have been made. 

I have contacted the company several times without an adequate explanation.
Product: Credit card or prepaid card

I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Product: Mortgage

My ex-wife tried to refinance her home, the home had a 2nd on it from HFC. The loan would go through because HFC reported that I still owed money on the loan. HFC reported that I owed {$5000.00}, plus interest for the last 5 years, meaning I owe them {$10000.00}. 
The 2nd from HFC was included in my bankruptcy 5 years ago. The debt was paid and the bankruptcy court sign off on my case about 5 years ago. 
I believe that HFC is acting in bad faith by not accepting the payoff, in addition they have had the 5 previous years to notify me of this debt, they have n't, nor does a failure to pay a debt show up on my credit reports. I believe HFC is wrong. 
If HFC underreported the debt owed, they had ample opportunity during the bankruptcy process to amend the dollar amount of the debt. HFC never corresponded with the Trustee who was managing the bankruptcy account or the courts. I believe they purposefully are trying to act in a fraudulent manner to take money that they are not owed on the 2nd trust of deed. I want HFC to sign off and take the lend off the debt that was paid off by the bankruptcy.
Product: Credit card

Our American Express/Jet Blue credit card was re-assigned to XXXX. We have elected not to enroll with XXXX but instead to enroll elsewhere. American Express is now denying us access to our card statements ; we will have to enroll with XXXX to view them, at a cost of {$40.00}. Apparently we were warned in our XXXX statement that we would no longer have access to our records, but did not see the warning. It will be difficult to file our taxes without access to these financial records. Apparently Amex would like us to pay off the balance of our card without being able to verify the amount owed.
Product: Student loan

In XXXX of XXXX, I spoke with American Education Services about a forebarance on my loan. This was granted from XXXX - XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, a collection agency calls me because my loans are 37 days late. 

They verify the the status of the loan was forbearance and stated the servicer was attempting to still debit my account. So, while offering me an entitled forbearance, they were also attempting to debit my account, and reporting me to the credit bureau. 

When I spoke with AES via email they stated no, there was not forbearance on the account. Only one that was not yet approved submitted XXXX/XXXX/XXXX. I had faxed for additional time. 

This is just one of many issues with this company.
Product: Debt collection

My credit score dropped XXXX points, and as a result from Sequium Asset Solutions from XXXX XXXX, I have NEVER EVER used XXXX nor have I ever agreed to use their services. and it is causing my credit score to drop several points. I have no idea who these people are.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Date open XXXX XXXX {$1200.00} XXXX a victim of identity theft and this account was not created by me. Account published by XXXX and XXXX. 

XXXX XXXX Bank XXXX. XXXX Date open XXXX XXXX {$660.00} XXXX a victim of identity theft and this account was not created by me. Account published by XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I have called this company and requested them to stop a payment. I was told that I can not stop the payment. They will continue trying to pull from my bank even though I requested them to stop. I then asked for my remaining balance which they could not tell me, I didnt ask for the amount that I have paid towards this loan which the representative told me she could not calculate or see, and then asked why I was not able to log onto my online account to see the balance or the remaining amount, and she said its an issue with IT theyre aware of I let them know its been months since Ive been able to see my online account Ive been locked out they could not reset it for me. I didnt ask for the corporate number. She gave me a different number for the same office when I called back I spoke to the same representative XXXX I didnt ask to speak with the right corporate office and she said her manager would call me tomorrow and that she did not have any of the information for their corporate office or for any of my loan information, and that I could not log on to my online account to see it myself. This was a {$300.00} loan I took out years ago and I wanted to know the amount I had paid towards it.
Product: Debt collection

Please review attached documentation. 

First notice of dispute with debt validation request sent on XX/XX/2020 - no validation response from M & T Bank Second notice of dispute sent on XX/XX/2020 - no response from M & T Bank 2nd Debt Validation Letter sent on XX/XX/2020 - awaiting response from M & T Bank
Product: Credit reporting or other personal consumer reports

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information XXXX have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

In regards to Public Record U.S. Bankruptcy Court ( reference # XXXX ). 

In addition, the court has stated, " The United States bankruptcy court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumer files. '' Therefore this information has not been verified for accuracy and does not belong to XXXX XXXX XXXX ( XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a XXXX  in an LLC. We opened a bank account at XXXX  and they asked if we wanted a credit card. We said, only if will not affect our personal credit because we new that starting a new business it had the potential to fail.

The banker told us that it would only be on the companies credit report. A year later, we had to close the business and the unpaid credit card showed up on my credit report.

I contacted XXXX  and they said that the banker shouldn't have told me that. There policy is to report it on a personal account.

Not that I want to ruin the credit of my partners, but this makes no sense. Pick one partner to report it on their credit.

The purpose of an LLC is to protect your personal accounts and keep your business and personal account separate.
Product: Checking or savings account

I opened a Citizen 's Platinum checking account on XX/XX/2018 for a promotion of {$400.00}. I completed the requirements and was suppose to receive the bonus after 60 days. It has been more than 90 days and Citizen 's bank claimed the offer was not attached to the account and refusing to award the bonus. I clicked through the advertisement attached. I should not be punished because the website didn't include the promotion correctly. 
They are withholding the bonus until and charging me monthly fees in the meantime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am a first time customer for purchasing a new vehicle in my name. When I was offered for a deal on a new car. I was told by the car dealership that it would be several such as 2 to 5 loan members that will be credit reporting my credit score.. Due to this I seem to look on my credit report and it has been dozens of car loan lenders attached to my account which took a huge toll on my credit score. It has been hard for me finding a house credit score to XXXX dramatically dropping. All lenders that I've seen on my credit report is not recognizable anot recognizable and I would like you guys to please please see into this situation.
Product: Debt collection

Dear FTC and CFPB, I am writing to file a complaint against Jefferson Capital System LLC. I believe that the collection agency has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ).

The collection agency has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ), but they have placed a collection on my consumer report. I have been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

The collection agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agency without providing any/all disclosures required by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1661-52 ( 7 ) ( A ). 

I am requesting that the FTC and CFPB investigate this matter and take appropriate action against the collection agency. 

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

In accordance with the Fair Credit Reporting Act has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried this a couple of times and customer service would NOT remove the inquires and their is even a fraud alert on my credit report in reference to the fraudulent inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX These Inquires NEED to be deleted as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act conversion account # s listed below has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights 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. 

The accounts that violated my rights are : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX- XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Zombie mortgage scam. I filed a XXXX XXXXXXXX in XXXX which got rid of my mortgage and removed it from my credit report, XXXX XXXX has changed their name multiple times within 6 months and now calling themselves XXXXXXXX XXXX. This mortgage company should not be on my credit report but it is. I have asked XXXX or XXXX XXXX or XXXX XXXX XXXX or XXXXXXXX XXXX to correct and remove from credit report but they have refused to give me any assistance. They violated Regulation Z part of the Truth In Lending Act with this Zombie mortgage. I didnt receive any statements from them notifying me that after 7 years of removal from credit reporting they would put it back on.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Reported : XXXX. XXXX, XXXX + {$11000.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX + {$10000.00} Closed XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} In good standing XXXX XXXX XXXX XXXX LATE PAYMENTS Credit usage XXXX  % Balance {$1700.00} Balance updated XX/XX/XXXX Credit limit {$2200.00} It's normal for the credit card balance you see on your credit report to be different than the XXXX on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 

Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card These lenders have accessed your credit file : XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Debt collection

IC System Inc XXXX repeatedly collecting the same amount that I HAVE DISPUTED WITH XXXX CREDIT BUREAU back on May 27the 2020 this bills with the original creditor belongs to XXXX. I disputed this account because I never have anything open with XXXX lI never have any Phone etc with XXXX Never Never had anything to do with XXXXl no past account or No previous account. 

XXXX I.C system INC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone XXXX Report number XXXX Im disputed this again with XXXX the same thing it shows Potentally Negative by XXXX even XXXXhough I disputed it XXXX reported my credit is a Potentially Negative ... how they report this uncorrected information while Im disputing this is not my account.
Product: Money transfer, virtual currency, or money service

I have chime banking and I had a scammer ( unknowingly at the time ) tell me that I can get XXXX in bitcoin if I make a deposit of XXXX . I was fishy about this and asked how trustworthy is this company which is XXXX XXXX XXXX. 
They have a chat app and I communicated with them through the chat box. They told me the company is trustworthy and I decided to give the company a try buy adding the XXXX to my account and I was told prior to making the XXXX $ that its only a one time fee. Unfortunately after making the fee, I was told to make another XXXX $ fee which didnt make sense because I was told it would be just 1 fee of XXXX XXXX I automatically knew it was a scam and decided to ask for a refund and the company told me no. I reported it to my chime bank and they did nothing to help me.
Product: Credit card or prepaid card

I opened a credit card about a month ago from Capital One. Part of the activation process required submitting an ID through their automated system. The automated system failed to process my ID. This resulted in a " restriction '' of ALL of my Capital One accounts such as checking, savings, and other credit cards. What i mean by " restriction '' is that i was no longer able to modify any of my information such as an address change. I had recently moved and needed to do so. This was especially important because i had a negative balance in my credit card of {$4300.00} and needed them to send a check. 

However this was not possible because it meant changing my address which i was unable to do. I called capital one many times, even escalated through multiple supervisors and went as far as manually submitting different types of documentations to them to validate who i was so that they could unlock my accounts. Their site says that a permanent residency card is a valid form of ID yet they refused to take it. 

As a result i had to tell them to mail out the refund check to my old address and hope that the USPS address forwarding works. Capital one should be ashamed of themselves for not accepting a permanent residency card as a valid form of identification. They asked me to get a driver license but i refuse to do so because i have no need for one.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ( S ) # XXXX, has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I disputed a tradeline from XXXX  XXXX XXXX with Experian on XX/XX/2020 that came back verified XX/XX/2020 from Experian. On XX/XX/2020 another letter asking was sent for method of verificati

on ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). ). Experian failed to provide this within the 15 day time period. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Since Experian is now in violation of the FCRA, I am reaching out to your agency to see if we resolve this with the tradeline being deleted due to improper investigation if one even happened at all, Incorrect information reporting and Experian failure to provide method o
f verification in a timely manner. If we are unable to resolve this and get the tradeline deleted I will be forced to file a suit against Experian.

All supporting documents have been attached
Product: Student loan

Hello. 

I am in a repayment plan with Navient for loans taken out for my daughter, starting in XX/XX/XXXX. 

I asked Navient to temporarily hold payments in XX/XX/XXXX. I was granted 6 months with no payment. I requested an additional 6 months with no payment and was denied. Also, my payment went up. 

I originally requested a reprieve based on loss of income. My wife lost her job. But for the previous year, she had been sick and it took a year for a diagnosis. She is still unemployed and na not be physically able to return to work - which has cut out income in half. 

What can I do to get rid of these loans or before a much power payment. I have tried on multiple occasions to negotiate with Navient to no avail. 

Thanks!