23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Creditor : Jefferson Capitol- attempting to collect {$720.00} from an old XXXX account. 
XXXX had made fraudulent sales of supposedly new phones, however, they were used. I had physical proof of this- the phone I received, I found to have very personal photographs of it's previous owner still on it. 
XXXX adamantly denied this for quite some time, during which I stopped my service with them as a direct result of their fraudulent business practices. Finally, a XXXX supervisor seemed to understand the problem, and he told me that he would zero my balance and I owed nothing. However, he refused to give me this in writing.. I guess he was just lying to me, as it seems was/is common for XXXX. 
This account has been sent to collections, I have disputed it, it has been removed from my credit report.. years ago. 
Now, Jefferson Capitol, seems to think this account is valid again for some reason, which is absolutely astounding to me. 
Reasons this account is illegitimate - -There is, or so was told to me, no more contract existing on this account, it was zeroed out. 
-There were fradulent charges made to this account, by XXXX XXXX, feaudulently selling used phones as new. 
XXXX  violated it's customer 's privacy in selling these used phones with the prior owner 's personal information still on the device. 
XXXX told me I had a XXXX balance as result of all of this and closed this account, or so I was told. 
-This had then been sent to collections, but has subsequently been disputed and hence removed from my credit report, further proving the illegitimate collection efforts. 
-I am now having to go through all of this headache again, and while XXXX has understood the situation and removed it from their credit report, XXXX XXXX not understanding the situation and is not removing this from their credit report.
Product: Student loan

Previously, I filed a complaint XXXX regarding how FedLoan Servicing was counting my qualified payments for XXXX. 

On XX/XX/XXXX, FedLoan Servicing provided the following response and my complaint was closed : " The Office of Consumer Advocacy ( OCA ) at Pennsylvania Higher Education Assistance Agency ( PHEAA ) performed a review of your account. Specifically, we reviewed your payment history, your repayment plan history, and your forbearance and deferment history with each of your servicers. Please Note : PHEAA conducts its student loan servicing operations commercially as American Education Services and for federally-owned loans as FedLoan Servicing. In your inquiry you expressed concern regarding the number of payments credited toward your pursuit of loan forgiveness under the XXXX XXXX XXXX XXXX ( XXXX ) program. Our review of your account determined that you submitted Employment Certification Forms ( ECF ) that were approved for the following periods : XXXX XXXX Government - XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX, Ga XXXX Defender Standards - XX/XX/XXXX To XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX To XX/XX/XXXX, Ga XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX Government - XX/XX/XXXX To XX/XX/XXXX, XXXX XXXX Government - XX/XX/XXXX To XX/XX/XXXX, And XXXX XXXX Government - XX/XX/XXXX XX/XX/XXXX. You have made 105 XXXX-qualifying payments. You can view additional details online at MyFedLoan.org. If you have additional questions regarding your account, please contact FedLoan Servicing at XXXX. Loan representatives are available Monday through Friday from XXXX XXXX to XXXX XXXX XXXX. '' In fact, on my online FedLoan Servicing account the payment tracker was updated to 105 qualifying payments. On XX/XX/XXXX, I received a letter from FedLoan Servicing stating that my XXXX for XXXX had been approved, which was the period of employment that was in controversy previously. 

Shortly before the New Year, I checked my online account again because I had submitted another ECF for XX/XX/XXXX and XX/XX/XXXX and wanted to check the status. I found that my qualifying payment tracker was back down to 93 and the payments made during XXXX were now, again, not qualifying. Of course, when I call or chat with FedLoan Servicing, no one can explain to me what is going on. I need this fixed, again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has inaccurately reported my having paid my home loan late. 
I would like to get XXXX XXXX or the appropriate entity to correct this reporting with my credit agencies. 

As background, I refinanced my home loan through XXXX XXXX in XX/XX/2020. In more than a decade prior to refinancing, I had never been late for a loan payment. 

With the refinancing, I set up an automatic electronic transfer from my bank account to XXXX XXXX for payment every month. At first, this worked seamlessly. 

In XXXX, I was notified that my XXXX and XXXX payments were overdue. I contacted my bank, which indicated that the payments were made on time -- one on XX/XX/XXXX and the second on XX/XX/XXXX. Nonetheless, on XX/XX/XXXX, I made another payment for the amount of both months combined to ensure they were paid. 

Later in XXXX, XXXX XXXX again notified me about the two overdue payments -- for XXXX and XXXX. I again called my bank, which indicated that the payments ( the first two and again the follow-up third ) were made. I contacted XXXX XXXX, which indicated that the money may have been returned to me. 

I then made the payments with a written check, rather than by electronic transfer. 

Attached are letters from my bank, XXXX, indicating that the payments were made to XXXX XXXX in a timely fashion prior to XXXX and XXXX, and then again the third payment to pay an additional time, all by electronic transfer. 

I'd like to get my credit report cleared up. I understand that I've been reported to credit agencies as having made delinquent payments. Can you please remove this credit complaint from my records at XXXX XXXX and with the credit agencies. 

Please have someone contact me to discuss and let me know if you need any further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax, my data was part of the recent security leaks. Their website provides no information, and to sign up for protection you must waive rights to file lawsuits.
Product: Mortgage

I began working with XXXX XXXX XXXX through the XXXX  XXXX   XXXX  Grant Program. I am an XXXX in the state of Georgia and found out about the XXXX XXXX XXXX grant program online. Once filled out the information online I was contacted by XXXX XXXX. I explained that I was looking to buy a home and wanted to take advantage of the grant that they were offering to XXXX looking to purchase in XXXX XXXX. She informed me that she wanted to do an initial mortgage pull so she could see where I was with my credit score. I consented. The score was in the mid XXXX so I worked on my credit, Payed off 5 hard inquiries and was able to get the firms who had the debt to notify the lenders, and was able to get the lenders to notify the credit Bureaus within a months time. My score went up to XXXX from what I could see on s third party company XXXX XXXX. I knew my score could be higher or lower but did not want it again until I was sure it was at its highest. XXXX XXXX, asked if I wanted her to do a second mortgage pull on my credit to see exactly where it was. I told her I did not want the credit pull to affect my score. She assured me multiple times that it would not affect my score because it was being pulled within the 45 day mortgage pull limit. Under the terms that my score would not be affected I gave consent. She did a second mortgage pull and my score went down the very next morning. I worked so hard to have it go from XXXX and her pull brought it down. I immediately called her and she said she did not know why the score went down. I informed her that I get immediate notifications and the notification I received was because their company placed a hard inquiry on my credit file when they did the credit pull. Company name XXXX XXXX. She assured me my score would not be affected. I asked her to have her company remove the hard inquiry they placed on my file and she stated they can not remove their hard inquiry from my credit file because I have consent. I then explained that I gave consent under the terms that my score would not be affected. She then said she would contact her supervisors to see what could be done. Her supervisor called me and said she spoke to her supervisor XXXX XXXX and she said they can not remove the hard inquiry that was placed in my credit file under false pretenses. I am furious that this company has taken advantage of me and my personal information. Their credit score requirement was XXXX. XXXX knew I wouldnt have reached there credit requirements and her crippled my ability to quality for other companies to assist me. Others need to be aware of there dishonest practices so they dont have the same thing happen to them.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Western Funding on XX/XX/21. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Western Funding took cash. The finance charge is supposed to include insurance, Western Funding had me purchase my own separately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax repeated ly from XXXX to XXXX XXXX to dispute an auto account with XXXX XXXX auto finace on the payoff on XX/XX/XXXX. Where XXXX  XXXX auto fince was over paid on XX/XX/XXXX was not late I sent them all the documentation proving my point the pandemic had started on XX/XX/XXXX there was a Stay at home order issued in XXXX Florida I traded my car into XXXX XXXX XXXX They overpaid the payoff by XX/XX/XXXX to XXXX XXXX in California. XXXX XXXX Auto is trying to ruin my credit They refuse to correct the error NEVER have I been late on any car loan ever I have had many the pandemic caused the payoff to get there by end of the month when the payoff was still good and in fact overpaid XXXX XXXX sent an overpayment check to me XXXX for XXXX. I was never late on the payoff my car was traded in Nobody was at work due to pandemic they did pay off my car by end of the month before the payoff was due and the pandemic had started Equifax refused to fix this based on all the correct documentation I had provided them twice Now today XX/XX/XXXX, XXXX their representative said they no longer have documents oh well guess your late it stays I have never had an agency behave like this deliberate to ruin my credit these calls are recorded she refused to give me s a supervisor I am a victim of fraud and identity theft I watch my credit carefully. I was never late both Equifax and XXXX XXXX auto are wrong in this matter. I need help I am just a consumer I need the right thing done here. I cost money to make copies all the time I was hurt during the pandemic a nationwide stay-at-home order was issued in XXXX of XXXX. Please help to get the truth out XXXX XXXX auto is a large company and refuses to do the right thing so does Equifax
Product: Vehicle loan or lease

I purchase new care from XXXX XXXX XXXX on XX/XX/XXXX. At the time of purchase XXXX owner sold my loan to Santander USA which is a subprime auto lender affiliated w/crysler which was on same lot as XXXX Dealership and owned by same man. Santander was sue by 34 states in XXXX for deceptive and unfair business practices. I've had my car 3 years on XX/XX/XXXX and I don't even own a tire on the car. Santander has taken all my pmts interest only and my APR is 26.32 %. I'm XXXX yrs old. Santander has submitted negative info to credit agencies and I've been forced into oppressive conditions unable to trade in or refinance car. I've been put in a position to default or continue to let them steal my money. I was sent email XX/XX/XXXX that {$4200.00} was paid in principal but now I'm told it was a mistake.
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. 

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  has violated my rights. Or 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 card

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. sent me a letter that they had been retained by Discover card notice of opportunity to contact within 30 days to dispute the debt, and a statement they are a debt collector. The letter was delivered uncertified. I responded on XXXX/XXXX/2015. In that letter, I asked XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. to validate the date. The letter stated to respond to a specific Notary Public who would verify and validate receipt of said validation within 30 days. The letter was sent by certified mail and received by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. on XXXX/XXXX/2015. I pulled my credit report and saw that this debt had been charged off. I then was served with a lawsuit on XXXX/XXXX/2015 by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. regarding this matter. My issue this firm stated they were retained by Discover card. That claim is patently false, since the debt was charged off. If Discover Card was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter, This indicates that they obtained this debt as third party debt collector. the statements made by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has extended this fraud into court.
Product: Credit reporting or other personal consumer reports

I've reached out to Equifax about the reporting of my credit. I have no score nor any accounts. Equifax told me to notify my monitoring company and I did and XXXX XXXX referred me back to Equifax so this is a back and forth thing and nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting ActXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX  XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX/2023 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I requested that the following account be verified or removed immediately. 

Name of Account Account Number Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX CAPITAL ONE XXXX Validate Account The credit bureaus response was that they verified the accounts. I have since pulled my credit reports and there are still inaccuracies on the report.

15USC. 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, credit repair services, or other personal consumer reports

Ive never looked into my credit before, and there was nothing in there, now when I just checked today XX/XX/XXXX, it had three soft inquires, from a auto loan. I do not own a vehicle. Due to the pandemic times are hard enough, now this is really weighing down on me.
Product: Vehicle loan or lease

My information is on somebodys car loan and it bringing my credit score down.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts are in violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A : States that I have a right to privacy and that the entities furnishing my information are required to provide accurate and complete information to credit reporting agencies.

15 U.S.C 1681 section 604 A Section 2. States a consumer reporting agency can not furnish an account with my written instructions
Product: Credit card or prepaid card

I booked a trip and paid in XXXX of 2021. The same day I booked the trip I noticed that the terms of the hotel were incorrect. The ad stated that it would be " Breathless Adult Only '' resort or similar. The hotel was not similar. The same day I called the company that I booked the trip to cancel. They would not cancel. I then contacted the credit card company ( citi ) to dispute the charge. They told me 90 days to dispute, I sent them the info they requested. I did not go on the trip. I called and emailed several times to get the dispute resolved. I was hung up on several times and told I need to speak to different departments. The dispute was closed and then reopened. I was told it would be handled and it would not be a problem. Now they are charging late fees and affecting my credit and it still shows the dispute is open.
Product: Student loan

Approximately around XXXX of XXXX I received loan with consigner XXXX XXXX ( XXXX ) estimated to be around {$17000.00} to attend XXXX XXXX XXXX. I only attended for the XXXX  XXXX  and XXXX XXXX  of XXXX. Around XXXX of XXXX I was out because the staff was saying that I needed another loan to attend. Fees above was not the only one I also have another {$8000.00} one from the school thats on my XXXX  which I believe was categorized definitely from the {$17000.00} one that Im not understanding what it was used for. I cant recall any contracts with signatures agreeing to all of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 19. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX BANK XXXX XXXX A Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.