23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The collections agency Jefferson Capital has made a claim to my XXXX  credit report for a sum of money equaling {$1100.00}. My report states the original creditor is klarna credit. I have never done business with either of these companies. The only credit card I have ever aquired is my XXXX XXXX  account. The only other debt I am responsable for is my federal student loans and a XXXX  XXXX car loan. Any and all other debt claims are false. I have not signed anything authorizing or agreeing to these companies mediating credit or debt. This false claim has damaged my credit score causing my one and only credit card to slash my credit limit further harming my credit score. I have not even received any contact from the collections company. The only reason I noticed this was by checking my bank provided FICO score. So far I have taken steps to add fraud alerts to the credit reporting agencies. I have also submitted a complaint against Jefferson Capital with the XXXX XXXX XXXX XXXX XXXX XXXX. I have also sent a letter to the collector per the advice of the XXXX  requesting information on this debt and the proof they think they have that I owe money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$230.00} XXXX  XXXX XXXX Balance : {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I had my credit checked by a lender to see how much i coIuld be approved for to buy a home. I was informed that i had two paid off mortgages on my credit since XXXX, and also {$550000.00} debt that someone had bought a {$600000.00} home in XX/XX/XXXX. It only showed up on Experian. I called experian to see why all of this was on my credit. I was informed that my credit has been merged with a lady by the name XXXX XXXX XXXX. I was also inform that it would be taking off it was and it also took my credit down 38 points. No one has ever heard of this happening before I FEEL LIKE MY INFORMATION was used all this time and i dont feel like it was a mistake i feel like they have been using my credit since XXXX and they would have kept using it if i had not have try to buy my own house i would have never known.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has denied me my right to have a debt verified in accordance with the Fair Credit Reporting Act Section 609. XXXXXXXX XXXX nor Equifax has not provided sufficient evidence to prove that I actually owe this debt. This is now my third attempt to have this company validate this debt. I need to see the paperwork/contracts you have from this debt. Present the terms and conditions that gives the interest rate. I am requesting all documents in whole, pertaining to this alleged contract/assignment of debt from all transactions up until this point. It has been over 30 days and XXXX XXXX NOR EQUIFAX has verified this debt as requested since XX/XX/2023. They keep updating the debt as valid although it has been deleted from my XXXX  credit report. This is a violation of my consumer rights and my next step will be a LAWSUIT.
Product: Credit reporting or other personal consumer reports

reviewed my consumer reports and I noticed that I had five late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with the maximum accuracy. I have never been late on payments for this account that I have included a screenshot inside this complaint on dates of ( XXXX, XX/XX/XXXX, and XXXX, XXXX, XX/XX/XXXX ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks! Please see screenshot attached
Product: Prepaid card

I have been trying to spend {$100.00} on my XXXX XXXX XXXX since around XX/XX/XXXX. I've attempted to use it at several different online stores and, every time, Amex declines it. 

I would like the {$100.00} as a check and then I will actually be able to go spend it. These gift cards are shockingly difficult to use.
Product: Vehicle loan or lease

I the consumer and natural person was denied credit by Ally financial. When I apply for credit. the equal credit, opportunity act adverse action against the consumer is against the law, which is : 15 usc 1091c. And is pursuant to civil liability under 15 usc 1602 Also violating 15 usc 1642 15 1681m an 12 cfr 1002 because I the consumer made an application in good faith but credit was not issued My social security number defined as a credit card 15 usc 1602. Proof of fraudulent activity on behalf of ally financial Ally financial fails to resolve this matter or compensate me for the use of my securities. I will hold ally financial criminally a civilly liable for all actual damages pursuant to 15 usc 1681 an 15 usc 1681o. I will follow up with an invoice for 1000 per violation XXXX XXXX XXXX XXXX ( without prejudice )
Product: Credit reporting or other personal consumer reports

Credit Collection Services are reporting illegally on my XXXX credit report this company is clearly in violation of my consumer rights Act 15 usc 1692gThis company has not given any validation that this is even my account therefore these actions may constitute fraud under both federal and state laws.please help! Original creditor XXXX insurance alleged owe amount {$610.00}
Product: Credit card or prepaid card

I ordered merchandise from XXXX. ( {$37.00} ). The seller never sent it, it was not received by me at my address. Seller refused to reship or refund or make a claim with his shipper.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian lower my credit score due to an inaccurate payment status that was made by XXXX XXXX in XX/XX/2017. XXXX XXXX has corrected my positive payment history and Experian is still refusing to recalculate my credit score as raise it back to the status that is was in before this inaccurate, negative information was place on my credit file.
Product: Credit card or prepaid card

During the time of my marriage, I decided to get a TJ Maxx credit card which is through synchrony bank. Unfortunately, my husband left me and took the clothes that I purchased. I am now going through a lawsuit with synchrony bank. I have never hard of retail stores suing and winning lawsuits. I saw that synchrony bank with to another law firm in order to get me to pay. I fell on hard times really bad, got evicted from my apartment, hourly job that doesn't pay much, and they are a very hard to reach company to work out options. I am never getting another retail card again and of course, I haven't shopped in TJ Maxx in ages every since this happened.
Product: Money transfer, virtual currency, or money service

Marcus by Goldman Sachs saving holding my money its going on a month now cant login they keep telling me 7-10 business days Ill be receiving my affidavit XX/XX/XXXX it was sent out still dont have nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter ( Tracking # XXXX XXXX XXXX XXXX XXXX ), a notarized affidavit and a copy of my photo ID to Experian that was received by them on XX/XX/XXXX. I notified them letting them know that these accounts were not mine. At that time, Experian only deleted the inquires that were on the notarized affidavit, but they never removed the accounts that were listed. Because its been more that 30 days, I later sent another certified letter, notarized affidavit, FTC Report # XXXX, copy of my credit report and my photo id by certified mail # XXXX XXXX XXXX XXXX XXXX that was delivered to them on, XX/XX/XXXX, XXXX XXXX in XXXX, TX. On both occasions Experian was notified and sent all the documents they needed, and they still ignored me. Therefore, Experian has violated the FCRA in pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft clearly after I have told them that I did make this FTC report . I did not receive goods and services, so the FTC and identity block is valid.
Product: Credit card

I opened up a XXXX credit card and proceeded to do XXXX balance transfers. The balance transfer of XXXX of the credit cards has never shown up on their end. I did a balance transfer to pay off {$XXXX} to my XXXX credit card. XXXX doesn't not show this transfer going through. I have asked XXXX to provide me with all the details of the transfer to provide XXXX and XXXX can only get the Trace ID and Customer ID and XXXX says XXXX isn't enough. They need proof showing XXXX digit payee account number/external bank account details. XXXX refuses to provide me with that information. This was processed on XX/XX/XXXX and cleared XXXX on XX/XX/XXXX. The amount was {$XXXX}, trace ID XXXX and XXXX ID XXXX. I keep calling and have been for months and no one will help me and now I owe XXXX credit cards {$XXXX} which I believe to be fraudulent.
Product: Credit card or prepaid card

Mountain America credit union I had {$1000.00} visa it was almost maxed out. It was at {$980.00}. They allowed somebody who called in to pay the {$980.00}. They then allowed that same person to transfer {$990.00} from my XXXX to my checking account And take the money out of my checking account XXXX different times the person, then canceled all of the payments to my credit card and employee. Mountain America Credit Union told me that it was a man that knew all of my security codes. All of my security words, my password and everything, but he had a heavy accent, when I complained to Mountain America Credit Union about it, they said that they could do nothing for me other than get me a loan to pay the debt off. I refused, and they said that they would take me to court. I agreed to take the loan if they could get me the payment where I could afford it They ended up getting a payment that was double the amount I can afford, sued me and got a judgment against me for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a loan servicer XXXX  has not provided the required disclosure that give me the option to opt out of having any information reported about me. If you are using Department of Education as your backing then you are 15 USC 1692f false and misleading practices to collect a debt. A consumer report does not include transaction or experiences between the consumer and the person making the report that's a violation of 15 USC 1681b. The Federal Government is backed by the Credit of the people does not say corporations or banks in fact 12 1431 States that banks have the power to borrow. So I need for XXXX to show proof that there was actually a " loan '' because I know for fact that there are no such thing as a " loan '' for a consumer. Failure to do so will result in actual damages and fraudulent practices.
Product: Debt collection

I try asking information about the dept but wasnt ask if the dept would be removed for my credit report they kept going back and forth about it
Product: Debt collection

XXXX XXXX XXXX XXXX, and Ally Financial Inc., have conspired together to compel me to pay a debt that I do not owe and violate public law. As a consumer credit transaction took place and XXXX XXXX XXXX XXXX, accepted my original promissory note as payment which gave it cash value then they attempted to assign said promissory note to Ally Financial InXXXX, without giving me a full disclosure of their intentions. Also after a very detailed study and review of the monetary system and the federal reserve system, I realised that my original promissory note was the original source of value which gave the credit in said consumer credit transaction. Being so I the consumer in said transaction owed no further obligation to said parties. Due to the lack of a full disclosure I sent a notice of rescission of any security interest given to XXXX XXXX XXXX XXXX. Therefore, Ally financial Inc., has no apparent authority to accept any assignment of security interest from XXXX XXXX XXXX XXXX, on my behalf as Ally Financial Inc., didnt provide any consideration to obtain the original promissory note. Any security interest given was done by misrepresentation, fraud and without a full disclosure. I have contacted both companies via certified mail in the form of a notarized affidavit under the penalty of perjury. Both companies have failed to properly respond to said affidavits and have also failed to take any necessary and appropriate action to reflect the termination of any security interest created under the transaction.
Product: Debt collection

I have received these fraudulent Credit collections on my XXXX  Credit Bureau Report from XXXX XXXX/NAVIENT/XXXX XXXX. I have sent a letter to the company and XXXX dispute stating that I want them removed. I have never taken out a Student Loan and I want these collections removed!
Product: Debt collection

This account was sold to the collection agency that I had no contract with. It violates the state of Texas Civil practice and remedies code. section 16.004 and section 392.307
Product: Mortgage

My mortgage service company, XXXX XXXX XXXX, transferred my home mortgage to another servicing company, Shellpoint Mortgage Servicing. I received letters from Shellpoint stating this would be an easy process and didn't need to do anything re : bank routing # 's etc. 

At this time I paid my XXXX mortgage payment to XXXX XXXX XXXX on XX/XX/year> with a direct payment from my checking account. I have sent Shellpoint a proof of payment confirmation from my bank. 

Shellpoint has called me 4 times to say that I am behind in my payments. The first call was from " XXXX '' and I explained the payment was made to XXXX XXXX XXXX, and she told that would be ok, they just hadn't received the funds from XXXX. There were three more phone calls after that, stating I was delinquent. I go through the whole story and they tell me that they have noted that on the account. If that is true, why are they still calling me? 

I tried calling XXXX XXXX and everything gets directed to Shellpoint. I have called Shellpoint but am unable to ever get through due to " high volume '' of phone calls. I have emailed Shellpoint and am still waiting on a response. Today is XX/XX/year> and nothing has been resolved, nor can I get through to either servicing company via a phone call.
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. 

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. 
The following Account ( s ) : Account # XXXX Original Debt Collector : XXXX XXXX  Debt Collector : XXXX XXXX XXXX Amount : {$1300.00}
Product: Debt collection

Hunter warfield is attempting to collect a debt for a company I do not have a contract with and did not provide validation information with the company international realty listed as the creditor. after several attempt to get documented evidence confirming debt owed to international realty proceeded to report to credit agency falsely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times to have KOHLS/CAPONE vaildate a debt they have listed on my credit report that they claim I owe. My first letter, sent on XX/XX/2021, was responded to with a letter asking me to provide more information about this so called debt. I then sent a second letter on XX/XX/2021 requesting this information be removed from my credit report if they are not able to provide proper validation of this debt. As of writing this today, XX/XX/2021, I received XXXX response to my validation requests for this debt. No supporting documents to prove this is my debt, such as documentation bearing my original signature, has ever been provided to me as requested. I have given KOHLS/CAPONE over 60 days now to zeither validate, or delete this account from my credit report and no response with valid proof has been given. According to the FCRA, KOHLS/CAPONE has violated my rights as a consumer and I'm requesting this account be removed from my credit report immediately.
Product: Bank account or service

I had unauthorized charges on a XXXX account ; those charges were paid by XXXX account ; my bank account was accessed to pay the pay pal charges ... my credit union " navy Federal '' has charged my accounts over ~ {$600.00} in NSF fees and overdraft protection fees I. Conjunction with this google play mishap ; they added ~ {$270.00} in NSF fees after I informed them to close my account it was compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

My infomation was stolen and used in attempt to open fraudulent accounts. my information was also exposed in 2 recent data breaches XXXX  AND XXXX XXXX BREACH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lots of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation. 
I initiated contact with XXXX  through their online dispute database. I listed accounts, addresses, name variations, as well as two SSN 'S on my report that are not mine. This accounts were verified. So I called and spoke to a representative who said these accounts were verified and updated using an electronic method. 
Also stating that no physical verification or validation was needed, and that I would have to file a id theft report, police report and to contact CFPB. I will include my credit report and ID Theft report in this complaint.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to an adequate customer service and unfair practices, which violate 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 significant inconvenience and financial loss and I see appropriate redress for these violations.
Product: Debt collection

The Cash Store has a third party by the name of XXXX that called me at my place of employment from XXXX. Someone by the name of XXXX XXXX, he claimed to be, called several times for me. When he did finally reach me, the gentleman did not state where he was calling from, who he represented and only stated there was a claim filed against me and he was coming to my work to bring it. The caller did not have a professional tone, so It was very intimidating when he was yelling that I broke the law and I could not hide behind my job. After I kept asking who and what, he said he was hired by an agency to handle my claim. A claim he still did not state was. I disconnected after his rudeness was too much and I was afraid, some guy I don't know said he was coming to my work. My general manager began to answer his calls that continued and explained to him that this did not seem legitimate especially because the guy kept yelling. When I picked up line again, I said I was going to call the police, ONE because I didn't know who he was, two because he kept saying I will come to your work, and I will be escorted. I have my general manager, and front desk lead both answered these calls. The 2nd time I picked up the line, he apologized for not letting me know who he was, and gave me a number to call, his representative, to get my answers. The place was XXXX. I am still shook up by all this. This was a 3rd party collection agency. The way this was handled is not professional and in turn gives these people the reputation they have. " Bullies ''. I will look to attain other professional advice on how this was handled. I did contact the Cash Store as well as XXXX XXXX XXXX to see what I could do on my part as far as my debt. I do not believe that these tactics should be legal. He took over 2 hours of our business time as he repeatedly called our business. Again, I have 2 other witnesses on how " XXXX XXXX '' disturbed our flow here. He does currently have my personal number, I will hope that there is something I can do to stop this very unprofessional business practice. I am afraid to go to my car, or leave the building. This gentleman 's last call, he told my front desk lead, to tell my general manager to have me waiting outside for him. As a place of customer service, we do have the calls recorded if there is someone I can submit them to. Please advise.
Product: Student loan

Since XX/XX/2023, I have been in communication with AidVantage regarding my student loans. My request was to remove all my loans from in-school deferment and to switch them over to the SAVE plan that I was previously enrolled in. My income was already verified for another year and application filed on StudentAid.gov was approved. Nothing was done. I called again XXXX and requested the same thing, they said it would get processed and nothing got done. I then called again on XX/XX/2023, and the representative said she filed rushed paperwork in order for them to process my request. I called on XX/XX/2023 to get an update of this and they told me the Supervisor had to rush request it again. I finally received a notice that my request was denied because my loans had been paid ahead by 12 months. I had not submitted any payment for my loans and when I look through previous documents received, part of my loans are on in school deferment and part of my loans are not. No one in Aidvantage is able to resolve this for me. I do not really understand what the issue is either.