23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Jefferson Capital Systems showed up on my credit report with a past due XXXX XXXX bill of {$950.00} from Maryland in XX/XX/XXXX. I contacted XXXX, proved to them it wasnt me, as i was locked up at that time. I also disputed through 3 credit reporting agencies. 
Now, Jefferson Capital is saying the bill was from Maryland from XX/XX/XXXX, but I've lived in NC from XXXX. I cant get them to answer me, and my credit rating says they are counting every month now as a late payment.
Product: Credit reporting or other personal consumer reports

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a XXXX ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the XXXX form.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX sent first letter out to Equifax and XXXX ( regular accounts, medical accounts and bankruptcy ) XX/XX/2021 I sent 30 day comply letter ( certified mail ) it is now 3 weeks past the 30 day mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a report about XXXX XXXX yesterday, and today the credit union got back to me, please consider this case with XXXX XXXX closed.
Product: Payday loan, title loan, or personal loan

Three months ago I took a loan from Affirm to purchase professional services from XXXX XXXX XXXX. Due to the company failing to deliver the service I opened a dispute case with Affirm. Affirm confirmed that I wouldn't need to make payments while the dispute was under review. It took Affirm around 6 weeks to resolve the issue. While the dispute case was open and I was told to not make payments Affirm reported my loan delinquent to credit reporting companies. I reached out to Affirm for an explanation but they are not responsive and refuse to provide explanation. This wrong report has damaged my credit history and score yet Affirm is not responsive for their mistake. My loan number with Affirm is XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I use my annual bonus from my employer as well as my tax returns to prepay a large portion of my student loans ' annual obligation. This allows me to continue to continue to prepay a smaller amount each month so I can stay ahead of the annual obligation. 
Navient 's ( my servicer ) interface, I believe, is intentionally designed to obscure the next date that a payment is actually due. For example, I used a large bonus to prepay {$30000.00} on my private loan, pushing my next due date out to some time in XXXX, but the payment due date still reads XXXX/XXXX/XXXX ( today! ). 
To figure out when my next payment is ACTUALLY due, I have to call Navient. I believe this is intentionally done to confuse customers and extract more payments, for fear of falling behind. 

- XXXX XXXX
Product: Credit reporting or other personal consumer reports

Stated in 15 usc 1681a ( 2 ) Any transactions between creditors and the consumer should be excluded from consumer profile. I have transactions reporting and should be deleted from my consumer profile within 10 days or the next steps will be legal for breaking the law. See below for the law and accounts that need to be deleted. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 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

This is many attempts of solving a problem with Equifax allowing this subprime lender to deliberate make negative points on my credit report, Equifax and XXXX XXXX have just had a lawsuit against them for these same actions, they are in together supplying misinformation, I have filed many complaints against these two, I am going to seek legal advice to put this to rest, both of these companies are very very horrible companies
Product: Debt collection

This is the second notice I have received from a collection agency called " Grant Mercantile Agency. '' They claim I owe {$710.00} to a creditor named as XXXX XXXX XXXX XXXX. I do not know who these people are because I never received a bill from them. I do not have the money to pay this, because I am on a fixed social security income and I do n't even make as much as the the amount I am being bill for. There is no phone number to reach these collectors only an address. I wrote this Grant Mercantile Agency when I first received their notice asking them who they were and why they were sending me a bill and explaining that I had never received any bill for this amount from this XXXX XXXX XXXX XXXX. I told them that I do not have this kind of money to pay for this bill as I have no extra money. No one replied to my letter. Instead I have received a second notice with the amount now at {$740.00}. I think this might be for ambulance service, but I am not sure. At that time I had told the paramedics I did not have any insurance and could not afford to pay for an ambulance. They ignored my request not to be taken to the hospital even though it was NOT an emergency. But I am not sure that this bill is for that at all. There is no clarification from these debt collectors as to what this is about. I think this may also be a scam. I am not even sure that this has anything to do with the ambulance company, because I do n't know if that XXXX XXXX XXXX XXXX is an ambulance service. I do n't really know who they are. When I was taken to the hospital last year, I told the hospital I had no money to pay anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX  gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear credit reporting agency, I am writing to bring to your attention certain information on my credit report that is reported by a company that has sold my debt and no longer has the right to collect on it. I firmly believe that since the debt has been sold, I am no longer obligated to pay it, and therefore, it should be removed from my credit report. 

As per the Fair Credit Reporting Act ( 15 USC 1681 ), it is the responsibility of credit reporting agencies to ensure the accuracy and fairness of the information they report. According to section 611 ( a ) ( 2 ), if a consumer disputes the completeness or accuracy of any information in their credit report, the credit reporting agency must investigate and remove any information that is found to be inaccurate or can not be verified.

Furthermore, section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act states that if a debt has been sold or transferred to another party, the original creditor no longer has the right to report or collect on that debt. Therefore, any information reported by the original creditor regarding the sold debt should not be present on my credit report. 

I kindly request that you conduct a thorough investigation into the reported debt and verify whether the creditor still has the right to report it. If it is determined that the debt has been sold and the reporting company no longer has the right to collect on it, I urge you to remove all information related to the debt from my credit report. 

Please provide me with written notice of the investigation results and any actions taken within the specified timeframe as required by section 611 ( a ) ( 1 ) ( A ). Additionally, I would appreciate receiving a copy of my updated credit report once the necessary changes have been made. 

I trust that you will handle this matter with the utmost diligence and resolve it in a fair and timely manner. Thank you for your attention to this dispute. 

Sincerely, 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

Hello. I did not give consent to the credit bureaus ( XXXX, XXXX and Experian ) to add my bankruptcy to my credit report. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  states that they do not report to the credit bureaus. Can you please verify how this information was added? Thank you.
Product: Student loan

I have had multiple occasions where Sallie Mae has rejected my automatic bank account payments ( which I signed onto solely so I could reduce my rising interest rates ), which then resulted in a $ XXXX/month late fee, a ding on my credit score, and less opportunities to reduce my interest rates. I am currently in a standstill where I have my LOWEST interest rate at just under 8 %, and my highest at 10.25 %. Despite making over $ XXXX a year out of school, I am struggling to pay my ~ $ XXXX/month payment to Sallie Mae, and upon my times of calling have not been offered any solutions to reduce my rates aside from forbearance, which would result in a vast increase in interest buildup and a fee to even begin the forbearance. Sallie Mae has not been able to offer my any repayment options and basically has said that I need to seek outside options to refinance, however I do not have a co-signer figure to do so, and am rejected by said organizations despite on-time payments and my income.
Product: Mortgage

I owned a home and sold it and closed on the loan on XXXX XXXX. XX/XX/2014 I had a loan modification and received money form HUD that was due to be paid back at the time of the sale. When the loan was refinanced, I was told this was rolled in to the original mortgage rather than being paid as a XXXX mortgage. When the title company showed the second mortgage, the escrow company called and asked was it to be paid out separately, and was told by the mortgage company it was rolled in at the time of the refinance and was reflected in the higher mortgage payment and interest rate. Just 4 days before closing on XXXX XXXX I was told was this was not true by Guild Mortgage and that the XXXX and XXXX mortgage had to be paid off. I asked for confirmation and was not given sufficient documentation that the loan was not rolled in. Nor why my mortgage and interest rate was significantly raised at the time or refinance. from 3/25 % to 4.75 % XX/XX/2014. I would have asked for a different selling price had I been made aware that the HUD loan was to be paid separately IN Addition to the mortgage as a subordinate deed of trust.. I believe the mortgage company did roll the HUD loan, but had no supporting documentation or paper trail. This costs me over XXXX in profit and no one would help me and they said it was a communication error. I also did not have the information or the opportunity to resolve it during closing as the buyer had to close on XXXX XXXX and threatened legal action while Guild insisted that there was no evidence that the new amount reflected the inclusion of the XXXX HUD loan. I do n't see how someone at the mortgage company could tell me the seller and the escrow officer the same thing and then change at the last minute especially as it showed up on the Title as a separate line item ( # XXXX ) and I and the escrow officer specifically asked about it. The closing and settlement process was a nightmare and not characteristic of my genuine good experience with this mortgage company. They have failed to respond to my requests for additional information or the request to explain the difference in the stated amount for loan and principal plus interest to be {$1400.00} among and the discrepancy with what I was paying. I certainly would have had to sell my house if the payments were truly not loan and not what my regular loan statement indicated.
Product: Debt collection

I told them to stop calling and to use only mail. And yet I get 7 calls a day every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert to my email address from XXXX. The email states that an inquiry was made by XXXX XXXX on XX/XX/18. I have not applied for any vehicle loans in over 4-5 yrs and certainly not XXXX nor have I given anyone any authority to apply on my behalf. I called the number listed as XXXX and was transferred from customer service then to service and repair then to first national card of Delaware fraud dept. Not one person was of any help. I dont know who initiated the attempt for credit and I need this hard inquiry deleted from all credit depositories. 

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

I submitted a letter to the 3 Credit Bureaus last XX/XX/23 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$680.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$300000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute and request the removal of certain items on my credit report that I believe are in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 



Upon reviewing my credit report, I have identified the following issues : Unauthorized Credit Inquiries : a ) XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX c ) XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXX d ) XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX ) XXXX - XXXX of inquiry : XX/XX/XXXX f ) XXXX B - Date of inquiry : XX/XX/XXXX Under the FCRA, I have the right to dispute and request verification of these unauthorized credit inquiries. I have no recollection of authorizing these credit pulls, and I demand their immediate removal from my credit report as they are negatively affecting my creditworthiness. 



Incorrect Personal Information : a ) The following address is incorrect : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX b ) The following address is incorrect : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The FCRA and FACTA grant me the right to have accurate and updated personal information on my credit report. I request that you promptly remove these incorrect addresses from my credit report to ensure its accuracy. 



In accordance with the FCRA and TILA, I also dispute an account that is not mine. The account details are as follows : Account Number : I demand that this account be thoroughly investigated, and its information be removed from my credit report as soon as possible. 



I urge you to take these matters seriously and conduct a comprehensive investigation as required by law. Under the FCRA, you have a duty to investigate and respond to disputes within 30 days of receipt. Therefore, I request that you provide me with a written confirmation of the investigation 's completion and the actions taken to rectify these inaccuracies. 



Failure to comply with the above-mentioned laws and to address my concerns within the stipulated timeframe will leave me with no choice but to seek legal remedies to protect my rights under the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. 



Please provide me with your investigation results at your earliest convenience. I can be reached at the contact information provided above. Thank you for your attention to this matter. 



Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I requested a new card almost a week ago and selected the overnight option so I could get the replacement. It is still not here. Discover needs to fix this process.
Product: Credit card or prepaid card

1. The undersigned requests a review and consideration of the information provided associated the financial delinquent account with CITI Bank. 
2. While XXXX in support of XXXX XXXX XXXX XXXX XXXX XXXX on or about XX/XX/XXXX CITI Bank breeched an agreement based on the Service members Civil Relief Act ( SCRA ) by closing my account and compounding additional interest based inaccurate information. I called and fax my military orders to them informing them that I will be deploying. 
3. While XXXX I manually paid all of my debts telephonically, to include CITI Bank. 
However, after being XXXX for 90 days I received a letter stating that my account was closed. Knowing that my account was current I attempted to contact the merchants customer service, however the call could not be placed from my current austere environment in XXXX additionally this was as the United States was shutting down as a result of the XXXX pandemic it was extremely difficult to get assistance. After many attempt trying to reach customer service, waiting in excess of an hour my communications within the XXXX XXXX XXXX ( XXXX ) would cut out and leave me to restart the process again. Going through the process two to threXXXX time per week, I was finally successful in reaching a customer service representative approximately XXXX or XXXX of XXXX. The representative confirmed that my account was closed and that it had been placed into a collections status. I attempted to further explained the circumstances surrounding my payment history during our conversation she was able researched the account and establish that the subjective delinquencies occurred as the delinquency letter was being sent out but I only got the letter 45 days later in XXXX by than it was too late. The call garnered no new information so I requested to escalate the matter to a supervisor. I felt if I explain the situation then they would fixed the situation about allowing this to go to collection when it was not supposed too. Months went by after redeploying and still under the pandemic I was able to talk to someone that explain to me what they think happen. The account was current but because I was only making minimum payments and was not utilizing the card they had the right to cut it off. Understandable but my concern was why they put it in collection. They could not explain that only telling me that they were sorry. The gentleman did confirm he saw where I sent my order in requesting to be enrolled in XXXX. Explaining to him been enrolled should have prevented that from happen. Again I am sorry and there is nothing else I can do was the final answer. After hearing this I enrolled with XXXX XXXX XXXX to get assistance with the matter I was advise to get in touch with the collection agency explain my situation and they would do their best to get it settle. I have attached my military orders showing proof that I was XXXX during this time and tried to resolve the problem but I was unsuccessful, because they would not work with me on this matter.
Product: Mortgage

My mortgage was transferred from XXXX XXXX to Specialized Loan Services sometime in XX/XX/XXXX. My XX/XX/XXXX XXXX XXXX XXXX taxes were due XX/XX/XXXX. To date, they have not been paid. Both companies are giving me a a run around regarding why they were not paid. 

Also Specialized Loan Servicing mailed me a short-sale package. My loan was not in foreclosure. I called their third party vendor that handles the foreclosure. They said it was mailed by mistake. However, on this month 's statement, there are foreclosure package mailing fees.