23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There has been a derogatory collection placed on my credit file with Jefferson Capital System regarding a XXXX account that I never initiated. This was presented on my report many years ago. I already disputed this item as fraud and it was removed. Here we are again years later and they have placed it unlawfully on my report. This debt is not mine. I never utilized any business with sprint or its affiliates. This is a matter of fraud and my personal information. This item needs to be removed again and permanently from my credit as this is effecting my credit worthiness.
Product: Credit card

XXXX XXXX XXXX ( XXXX ) charge my credit card {$13000.00}. I purchased XXXX XXXX XXXX ( XXXX ) from Next in XX/XX/XXXX thru XX/XX/XXXX totaling ~ {$5200.00}. The insurance was paid in full in XX/XX/XXXX. After the insurance expired I obtained XXXX insurance from another carrier. Then 14 months later, in XX/XX/XXXX, without authorization, Next charged and additional {$13000.00} for " an incomplete WC audit. '' The transaction was not authorized nor involved a product or services. All requested accounting paperwork to complete the XXXX audit was sent to XXXX XXXX from XX/XX/XXXX thru XX/XX/XXXX, on XXXX separate occasions. I was informed by a representative in XXXX that the XXXX audit was completed in XXXX of XXXX. 

I disputed the unauthorized charge immediately. The dispute went back forth for three months, with US Bank removing the charge twice. Then in XX/XX/XXXX, US Bank sided with XXXX XXXX and reinstated the unauthorized charge. 

US Bank has refused to show any paperwork authorizing this charge. In addition, the reinstated charge went over my credit limit in excess of {$10000.00}. 

US Bank refuses to remove the unauthorize charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft through western union i reported it to the bank and provided the information but the bank told me it wasnt enough information but i didnt have much information other than the transaction details and they proceeded to harass me to pay when i had no knowledge of the transactions
Product: Student loan

On XX/XX/XXXX an email was sent out by the department of education, stating that because I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, my federal loans would be fully discharged due to the school being found guilty of engaged in unlawful conduct. During my time at XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I was told I would need to get a private loan because I was longer covered by the federal loans. At the time I was placed under some pressure to get the loans because a new quarter was going to begin. The school referred me to Sallie Mae, originally I was denied due to poor credit, I would later get approved after getting a co-signer. I would later get kicked out of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX due to longer being able to make payments to the school, I still had to pay the private loan which I did, made on time payments for the first 5 year, but the last 5 years were riddle with alot of life problems with sometimes having to choose to make the payment on time over taking care of my personal health. 

Below is a portion of the email, I will include a full screenshot in the attachment section. 

XX/XX/XXXX Dear XXXX XXXX : Subject : Student Loan Discharge Based on Borrower Defense Evidence You have been approved for debt relief under the Biden-Harris Administration ! This is part of the Biden-Harris Administrations commitment to delivering relief to borrowers whose schools engaged in unlawful conduct. 

The U.S. Department of Education ( ED ) has determined that the federal student loan ( XXXX ) you received to attend XXXX XXXX XXXX  on or after XXXX XXXX, XXXX, and on or before XXXX XXXX, XXXX, are eligible for a full discharge.
Product: Debt collection

My former employer XXXX XXXX pays XXXX % of my tuition with XXXX XXXX University. XX/XX/XXXX I enrolled in class and withdrew from the class in XXXX XXXX. I was never sent a bill for the class. XXXX and XXXX had a tuition deferment agreement that no money was paid upfront and XXXX would pay XXXX % of the tuition at the end of the semester. I continued to be employed by XXXX until XXXX XXXX during that time I never received a bill or notice from XXXX or XXXX stating that I owed money. It was my belief that the class has been paid for. 

XX/XX/XXXX I received an email stating that I was being sent to collections for a debt XXXX+. The woman at XXXX I spoke with at the time told me they had been sending bills to my SNHU email ( I never opted into that and since I was only enrolled for 3 weeks I never checked the email account after I withdrew from the school/class. ). 

Obviously XXXX is refusing to pay for the class because I am no longer a employee. 

Last month the debt hit my credit report and after speaking with XXXX and National Credit Management who is the Collection Agency for the account, it is clear they do not have a phone number for me or current address ( moved in XXXX XXXX ). 

I do not believe I owe this debt, as SNHU failed to properly notify me of the debt, refuses to validate the debt and has a tuition agreement with XXXX. This bill should have been sent to XXXX XX/XX/XXXX. Even if XXXX had emailed me at my personal email ( which they have on file ) or mailed me a bill or notice in the 10 months following the class I would have handled it with XXXX since they were fully paying the bill.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I have been a long time customer with Citibank, successfully paying bills with them for over 6 years with no late payments or overdraft or anything. I was successfully enrolled in AutoPay with Citi and so did not ever have to check the payments of these bills. On XX/XX/2022, I had a bill due for {$26000.00} and I paid this on XX/XX/XXXX, with the due date of XX/XX/XXXX. I was charged {$330.00} in interest for paying the bill one day late. This comes out to an annualized interest fee of 468 %. I did not receive any notification that the payment was late, that this interest was being applied, and I did not receive any notification that I was no longer enrolled in AutoPay. Because I did not receive any notification, this exact same event occurred in XXXX ( with similar annualized interest rate ). I believe that Citi is intentionally under-notifying their customers so that they can rack up these fees. When I brought this up to the customer service, they denied that I was ever enrolled in AutoPay ( not true ) and that this is not their problem because it is the terms of service. They make it very difficult to tell whether or not you are enrolled in AutoPay both via lack of notification ( for any bills due ) and via intentionally poor user interface on their website. Certainly, if I had known, I would easily be able to have paid these bills with no issue ( as they were paid one day late ).
Product: Checking or savings account

About an hour ago, I received 4 emails. The first was from XXXX XXXX ( XXXX ) : " Thank you for taking the time to meet with me and for setting up your access to Chase Online. If you have not done so already, we encourage you to download the Chase Mobile App1. Together the Chase Mobile App and Chase.com give you the ability to bank virtually anywhere at any time. 

Please feel free to reach out to me directly with any questions. 

Thank you. '' - 2nd email I received, from Chase ( XXXX ) : We ordered your new card As you requested, you've been issued a new debit or ATM card. 

Here 's what comes next : - Your card will arrive in a plain envelope in a few days. 
- You can activate your new card by using it at an ATM or calling the number on the front of the card. 
- If your previous card was in your mobile wallet and you'd like to add your new one, follow the instructions in your wallet app. 
Didn't request a new card? 
Call us immediately at the number on the back of your card or, if you don't have one with you, visit chase.com/CustomerService to find the best way to notify us. 


3rd one, also from Chase ( XXXX ) : We've updated your email address Dear XXXX XXXX XXXX As you requested, we've updated your email address. 

If you didn't request this change : Call us immediately at the number on the back of your card. 

If you don't have a card, you can visit chase.com/CustomerService to find the best phone number. 


4th one, from Chase ( XXXX ) : Your email address update is complete If you asked us to make this change, you're all set. 

If you didn't make this request, call us immediately at XXXX or visit chase.com/CustomerService. 


***I wrote back to the first one, and XXXX XXXX back to me telling me to call him at the number below. I didn't call, and came to this website to report what happened. Yikes.
Product: Credit card or prepaid card

Cash app has reset my password sends me notifications to my email not associated with the account. I have asked them to do the following. 
Link all account to email and phone numbers to one account. 
Reseting password continuously. 
Reported problems regarding sending notification to emails not on profile. And not receiving notification on email associated on profile. I have been told by cash apps that has confirmed by text. When I email them the tell me to change password and pin. 
I am currently a victim of id theft. 
I have had cash App accounts on theses emails and phone number listed below. 
XXXX personal XXXX XXXX business XXXX XXXX XXXX XXXX personal XXXX I believe XXXX XXXX XXXX XXXX XXXX It seem that every email I have created has been compromised. 
I have no idea if other accounts have been created. 
I have been told by my XXXX  credit id theft stated my phone numbers have been compromised my a XXXX XXXX. During the time I use my phone with another carrier. 
When I look on my back logs on my phone the information states I have multiple devices on my account. 
I have reported this to you with XXXX  account who breached my information. 
I have submitted a XXXX  sent them every card number and email I can Remember. 
Please contact me at XXXX XXXX XXXX XXXX XXXX md XXXX. 
I currently work at XXXX XXXX  at XXXX. My current number is XXXX. 
Please help. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'd XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received a fraudulent inquiry on my Equifax credit report titled XXXX/XXXX. I called the XXXX XXXX that same day to remove the inquiry. They created a fraud case and I received a copy of the letter they sent to Equifax to remove the inquiry. After 2-3 months of no change to my credit file, I called XXXX  XXXX once again. They created and fraud case and requested that Equifax remove the inquiry. No change once again. I called Equifax numerous times and they consistently advise that I need to contact lender. I faxed Equifax a police report, FTC affidavit, copy of letters the XXXX XXXX sent to Equifax, copy of ssn and copy of state ID. I had actually listed another fraudulent inquiry on this fax submission that was for XXXX  XXXX/XXXX inquiry from XX/XX/2018 and they removed this one on XX/XX/XXXX but not the XXXX/XXXX. I constantly called Equifax and they have advised that they can not remove the inquiry, put me in hold for several minutes ( 40+ ) and transfer me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whenever I review my credit score on Transunion, I see interesting information. Example : An increase of my XXXX card by {$120.00} resulted in a 12 point drop in my credit score. That does not make sense at all. 
In addition, a current property loan is not showing. The original mortgage company sold my loan to XXXX. XXXX still has not reported credit activity. 
I am just lost on this credit thing. Why is the score always dropping in spite of the fact I have an excellent payment history on my credit reports?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX refused to issue me his last name or company identification number. This is a financial company that refuses to help in any manner. The company stated that I had no outstanding Loan with this company, and all my payments were on time and completed paid off. I haven't used this company in XXXX to XXXX years. I stated that my credit is showing delinquent payments, closed and paid off. This is negatively affecting my credit score and i need to remove it. I also let them know I was going to dispute this and already know they will try to answer back, so can we resolve this issue, or issue me a memo type of a letter to send into the credit burros letting them know I do not owe anything, I have not been behind on payments, and the account is completely closed. Even if they would do a total deletion that would be fine, they told me contact my credit burros. This company is listing false items on credit reports and I need this repaired immediately.
Product: Credit reporting or other personal consumer reports

I took a look on my credit report and these inquiries unauthorized and fraudulently reporting on my credit report ( XXXX XX/XX/XXXXXXXX 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

On XXXX XXXX I was involved in a head on collision that left the XXXX XXXX XXXX completely totaled. The XXXX was towed to the tow lot while I was rushed to the XXXX XXXX. I called XXXX XXXX XXXX to inform them what happened. They explained to me that the car had Gap Insurance on it and that if it was completely non salvageable that it would be taken of my record. I called the XXXX XXXX lot to check the status of the car they stated it was in the lot still. For 3 mths I was given the run around from XXXX stating their insurance person said it is not salvageable and that they couldn't use it for parts. I called the tow lot to see if I could get my belongings in the car the tow lot supervisor instructed me that I could do a release of property with them. I went to complete the process and was told that XXXX picked up the car. I called XXXX where they stated they hadn't picked it up and than referred me back to XXXX XXXX XXXX. XXXX XXXX Lot stated it was picked up on XXXX XXXX by XXXX. XXXX than stated they picked up it as a REPO, which in their definition a REPO is for Non Payment not due to a accident. My XXXX was still and still is in the XXXX XXXX  Lot waiting to be auctioned off. According to the tow lot they can't auction nor go in the car due to it being a XXXX with XXXX  and XXXX on the driver and passenger seats. The windshield and back seat having extensive damage. The car is in no shape repairable nor able to have parts sold from it. 
On the credit report XXXX stated it was a natural disaster but on the next line stated it was a Repossession. My car note was due the following week of my accident and when I called to info the lender they stated they hadn't known about it but would know within a few days and appreciated me calling right after it happened and that it would be written off since it was due to a accident and they would send an adjuster to verify the damage. I stated I was going to have my adjuster come out XXXX stated that would be fine but I later found out they sent a request for their adjuster to go out and I was charge for him to go out as well as for XXXX moving the car from the XXXX XXXX to the other parking lot instead of allowing it to sit until I had received my belongings or spoken to both XXXX XXXX and XXXX to find out the next steps in this horrible ordeal. 
The report states a natural disaster and repo it isn't the later part but the natural disaster, I just want this to be solved and me to stop going back in fourth communicating with parties that should've properly document and spoke to me regarding the car situation since it was mine and I had majority belongings and business artifacts in the car.
Product: Consumer Loan

I turned in my leased Infiniti G37 to Nissan on XXXX XXXX 2014 as part of my agreement to lease a new Nissan Altima. The car dealership did not return ( ground ) the car to its parent company until XXXX 2014. Resulting in false missed payments and serious delinquencies reported on my credit report.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, purst to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e .

It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing.

I believe these remarks do not reflect my current commitment and responsibility toward my financial obligations.

I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report.

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within a reasonable timeframe, such as 3 days from the date of this letter.

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

XXXX XXXX XXXX  Update status on dates followed to current status/paid as agreed. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.
Product: Credit card or prepaid card

I had XXXX stolen from my card and my card provider card.com refuses to return my money
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of my XXXX XXXX  bankruptcy on my credit report. Recently, I contacted the bankruptcy court and was informed that my bankruptcy case was not ( and never are ) reported to the credit bureaus. Additionally, the bankruptcy court advised me to reach out to the credit bureaus directly to understand how my bankruptcy information was reported and identify the reporting entity. 

Here are the falsely verified accounts on my credit reports that pertain to or were part of the bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In each previous dispute, this information has been falsely verified. As per the Fair Credit Reporting Act ( FCRA ), I have the right to receive validation of these falsely verified accounts. Therefore, I kindly request that you investigate this matter thoroughly and provide the following information : Details of the validation process or procedure used by the credit bureaus to verify account information. 
Identification of the entity that reported this information.
Product: Credit reporting or other personal consumer reports

I am disputing incorrect personal information appearing on my Equifax credit report. The report inaccurately lists the name " XXXX XXXX '' and the address " XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, NJ XXXX ''. I have no connection to this name or this address, and they do not pertain to my account. I request that Equifax promptly investigate and remove these inaccuracies to ensure my credit report reflects only correct and accurate information, in compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several despite 's to experian regarding a account that DOES NOT BELONG TO ME! Experian contacted the account holder which is XXXX XXXX XXXX. XXXX XXXX sent me a letter asking to contact them and I did by mail and also by phone. I spoke to XXXX XXXX and also to XXXX XXXX which they couldnt find the so call account at first and then when they did find it, it wasnt my full name and they had a address that wasnt associated with the city or state I have lived in for over 30 years. So they advise me to contact the identity theft department which I did I called XXXX XXXX XXXX and I left a message and I havent received a call back. I contacted XXXX and the person wouldnt repeat there name and I asked to send me proof of this account and I have received any documents at all! I called experian XX/XX/2020 at XXXX I spoke with a young man which I told him every word that I am typing in this complaint. I stated the company havent sent me proof of this account and they are keeping on my credit report, so I asked experian could they provide me the proof of the account that XXXX XXXX sent them to verify that the account is mine. The experian employe on the phone said THEY DIDNT SEND OR PROVIDE US WITH ANY DOCUMENTS THAT THIS IS YOUR ACCOUNT and they couldnt send me proof because they dont have it!!!! I have follow every step and Experian is breaking the law by not blocking this account which this has cost me allot and have been a major burden!!! Under section 611 ( a ) ( 5 ) ( i ) experian are required by law to verify the accuracy of the account in question with documentation showing my signature on any contract that relates to the creation of the said account! The law is clear that a credit reporting agency does not comply with the verification requirement of 1681i if it simply parrots the information providers electronic response! Which is what they have done here! Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted!!!