23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This was is not my account, yet it keeps showing up on my credit as as delinquent account. Now it show as a charge off. Below are the dates and amounts from : Credit Acceptance XX/XX/XXXX {$2600.00} XXXX charge off XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$1700.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$860.00} XX/XX/XXXX {$660.00} XX/XX/XXXX {$540.00}
Product: Student loan

My Private Student Loans were serviced by XXXX XXXX prior to the 2014 split into XXXX XXXX and Navient. I repeatedly asked XXXX XXXX representatives to be enrolled in the 12-month rate reduction program, and was supposed to be enrolled in the program in early in 2014. However, when I contacted XXXX XXXX after the 3 monthly payments were made the representative stated that I " was n't eligible for that program, but I can make 4 weekly payments instead ''. I have NEVER been able to coordinate the 12-month rate reduction program with either XXXX XXXX or Navient since early 2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name Is XXXX XXXX XXXX ; my current address is XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX, Phone : XXXX, Birthdate : XX/XX/. I checked my credit reports and noticed some inquiries from companies that I did not give consent to access my credit reports, I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I did not initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FCRA. The following companies did not have permission to request my credit report : SEE ON THE ATTACHED CREDIT REPORT. I once again demand the removal of these unauthorized inquiries immediately. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I consistently contact the credit bureau via their online dispute center and via phone to remove the hard inquiries on my account because I am a VICTIM of their Inquiry issue. 

I still have these hard inquiries on my account that have not been resolved. I've stated the inquires next as a resolution.
Product: Debt collection

Notified by XXXX XX/XX/XXXX about debt to LVNV Funding Requested verification & item was removed from credit report Recieved communication from Resurgent Capital on XX/XX/XXXX that LVNV submitted a debt to " prelegal '' status XX/XX/XXXX I received no communication from LVNV Funding or Resurgent Capital until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this issue with all three credit agencies to get them to agree to remove the negative items from my credit report. This have been going on for years now and I have reached out to credit repair companies with little or nothing with no resolution. Right now I have two bankruptcy on my credit report. A XXXX  XXXX and XXXX, but they are the same case and this type of reporting is not right. I have also sent them documents showing this with no response. So if you are trying your best to better yourself and get your credit back right why wouldnt they try and help. Also I believe that statutory timeline as defined by the Fair Credit Reporting Act ( FCRA ) for at least the XXXX  XXXX bankruptcy because thats been on my credit report since 2016. So if you guys can help in any way that would be greatly appreciated. Thanks and if you need me to send in any documentation please let me know.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$280.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$95.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - {$830.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$99.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$390.00} XXXX  XXXX XXXX - XX/XX/XXXX - {$830.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX {$770.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$760.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$570.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$270.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1400.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

My account was Hacked on the week of XX/XX/XXXX to XX/XX/XXXX. A total of approximately {$5300.00}. My card was with me at all times. 
ATM withdrawals, purchases at XXXX XXXX, XXXX, all purchases made in XXXX NY. I dont leave there! My residence is XXXX OH and work in XXXX XXXX Michigan. 
I contacted the bank the first time XX/XX/XXXX and a claim was submitted. 
I reached out again XX/XX/XXXX because I havent Heard back and they told me the claim was denied and close the claim. They also told me they send me a letter notifying me, that I never received. The bank is saying that my pin was used and refused to pay my money back. 
They also refuse to provide me with assistance on documentation that I can provide to retrieve my money. My claim # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dignifi reported a 30day late payment on my credit report for XX/XX/XXXX. I called them immediately upon seeing this, I was told by the customer service representative XXXX, that my payments were never 30 days late and that I need to submit this in writing and fax it to them. I did exactly what was asked of me. It was confirmed on my credit report. I called them back and spoke to customer service supervisor, who reviewed my account and verified that info not have any 30 day late payments and indicated I need to fax ( again ) a letter indicating this information. I made a payment XX/XX/XXXX which was late however not 30 days late. I again submitted a payment on XX/XX/XXXX and paid the account off on XX/XX/XXXX never submitting a payment over 30days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according to the Fair Credit Reporting Act, this creditor XXXX account # XXXX XXXX reported a 30 day late XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX reported a 30 day late XX/XX/2021 has violated my rights. Under 15USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states the consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

NOW COMES the XXXX XXXX XXXX, Executor, and for the Complaint against JEFFERSON CAPITAL SYSTEMS , LLC, states as follows : Facts XXXX XXXX XXXX XXXX received notice of an unverified debt b. The original creditor has verified settle of all debts held in past years c. Despite this, JEFFERSON CAPITAL SYSTEMS , LLC, has continued to attempt to collect on the alleged debt. 
XXXX JEFFERSON CAPITAL SYSTEMS , LLC actions violate several state and federal laws and regulations. 

Claims for Relief Count I : Violation of the Fair Credit Reporting Act ( FCRA ) a. EFFERSON CAPITAL SYSTEMS, LLC has improperly reported the alleged debt to consumer credit agencies, violating the FCRA by failing to ensure the accuracy of the information being reported. 

Count II : Violation of the Fair Debt Collection Practices Act ( FDCPA ) b. JEFFERSON CAPITAL SYSTEMS , LLC violated 15 U.S.C. 1692 et seq. by continuing to pursue collection of a debt that has been set-off, using misleading, false, and unfair collection tactics.

Count III : Defamation of Character c. JEFFERSON CAPITAL SYSTEMS , LLC has damaged XXXX XXXX XXXX and the Estate reputation by reporting inaccurate and defamatory information to consumer reporting agencies. 

Count IV : Unauthorized Use of Personal Information d. JEFFERSON CAPITAL SYSTEMS , LLC has unlawfully used the XXXX XXXX XXXX 's personal information in attempting to collect on a debt for which no valid agreement exists. 

Count V : False Representation and Identity Theft e. No authorized representative from the Estate of XXXX XXXX XXXX has ever signed any agreement with JEFFERSON CAPITAL SYSTEMS , LLC. JEFFERSON CAPITAL SYSTEMS, LLCs actions amount to false representation and identity theft. 

Count VI : Collection by Extortionate Means XXXX JEFFERSON CAPITAL SYSTEMS , LLC has attempted to collect the alleged debt by extortionate means, which is prohibited under applicable law. 

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

I just noticed on my recent XXXX  credit report and also when I pulled my credit on XXXX XXXX that XXXX XXXX XXXX is NOT reporting my paid loan which I have had with them and paid on time for three years now!!! They were reporting it!!! This is causing my credit score to drop as it looks like I have only had credit established for a year and a half which is untrue and it is also pulling my score down due to looking like I don't have a auto loan plus my perfect pay history for this amount of time is also pulling my score down, which is causing me to have to borrow at subprime rates when I have paid perfectly for most of my life!!!!! 

I am going to sue them and all of the credit reporting agencies and WILL contact XXXX XXXX to help me do so if they don't get my accounts corrected NOW and going forward!!! it is the CFPB 's job to make sure they are all reporting correctly and if they do not to sue them themselves and fine them for breaking the FCRA!!!! FIX MY REPORTS and sent me a physical copy of each report from XXXX, XXXX  and Equifax showing all is correct as well as a copy to the CFPB for my file with them, do not close this complaint until all is correct!!!!!! This will be the last car loan I will take out with XXXX XXXX XXXX due to all of the problems associated with it too!!! I want the credit reporting agencies held accountable for their mistakes as well, financially!!!!!
Product: Credit reporting or other personal consumer reports

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account- XXXX XXXX # 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. 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 reporting or other personal consumer reports

I have notified BOTH XXXX  AND Experian multiple times stating that this is NOT MY ACCOUNT and it still remains on my credit report. Both XXXX and Experian are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY.
Product: Credit reporting

I have many things on my credit report that do n't belong to me. Their are addresses that I have never lived at and my name is spelled wrong as well.
Product: Debt collection

I recently filed a complaint on this company about a few months ago. They company stated that the XXXX told them they made repairs. The XXXX  lied and said they did. Upon moving out, we had an agreement because I stopped paying the rent due to them not making repairs. They agreed if I moved out, they were not going to repot to collections because I didnt have to pay anything. I moved to XXXX not knowing they repotted me anyway. I was turned down because of them. If I wouldve known they reported me, I wouldnt attempt to apply for another place. Not only that, I cant even become a XXXX XXXX. They are ruining my whole career because they lied. I called the XXXX and asked them why they lied. They hung up on me and now they not even taking my calls. I really need a place for me and my grand babies snd now I have to XXXX XXXX XXXX XXXX XXXX. I have a whole XXXX XXXX in XXXX XXXX and I cant use it because of their lies. Im feel like the deceived me. I took their word instead of taking them to court. If this font come off my credit I have to go all the way back to XXXX XXXX  to file a lawsuit. Im in a whole different city and state and living with different people.
Product: Credit reporting or other personal consumer reports

To whom this XXXX concern, My name is XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C Section 1681-2 ( a ) and ( c ) and 15 U.S.C section 1681-B, to demand the immediate removal of the accounts listed here and on my reports. These accounts were added without my written consent, violating my rights as a federally protected consumer. Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both unauthorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts. Unauthorized Hard Inquiries Not Authorized : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Enclosed are the following : 1. A copy of my Identity Theft Report and proof of my identity.

2. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
3. A copy of the XX/XX/year> police report I appreciate your prompt attention to this matter and await your reply. 
I have disputed this information a few times already and they keep coming back verified. I need a reinvestigation. With the CFPB suing XXXX for sham investigations, I have a feeling the other bureaus might not be doing full investigations. This information needs to be blocked. If for some reason you keep denying my FCRA rights, I will seek legal action.
Product: Vehicle loan or lease

I made a payment from my XXXX  Account of XXXX XXXX dollars to my WellS Fargo Loan account on XX/XX/2022. 
The Check from XXXX was received by Well Fargo. XXXX and I see the copy that Wells Fargo accepted and we also see they made a one digit mistake when depositing the money and put it into the wrong account. I called after a few weeks and asked what the status was and was told they would move it to my Loan account. That never Happen. So I reached out again end of XXXX. Then Wells Fargo said yeah they closed that account and I would get a check by mail. XXXX within 2 days. Again that never happened. Now the last information stating we are reviewing and that was 2 weeks ago. 
So since XX/XX/XXXX Well Fargo has had XXXX dollars of mine, that did not go against the principle and I had to make three payments since this payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are deleted right away. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

THE DECEPTION OF TD BANK I submitted an application for a collateral loan with my passbook savings account as the support. The loan amount was {$5000.00} over 36 months. The payoff was completed in 15 months and to my surprise, my collateral was not in existence any longer. Why is a collateral in place when there is no intent on the lenders part to reinstate the original property?
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  regarding an unauthorized hard inquiry on my consumer file. XXXX  did not properly investigate the dispute. The telephone number listed on the inquiry is a non-working number. Additionally, the company claimed they did not request my credit profile although it shows up on my XXXX consumer file. 

Furthermore, I called XXXX again to inquire about receiving {$1000.00} compensation for the false reporting. I received a callback from XXXX on XX/XX/2021 before XXXX PT. XXXX removed the inquiry but stated I could not be compensated just because I asked. XXXX violated the FCRA and I am entitled to compensation.
Product: Credit card or prepaid card

Incident : - A credit card was stolen from the home mailbox in the afternoon of XX/XX/2021. The police report number is XXXX. See the attachment reportXXXX. 
- Unauthorized charges were made between XX/XX/2021 and XX/XX/2021 at multiple local retail stores. Total amount of the unauthorized charges is {$1000.00}. 
Actions taken : - Contacted Chase Card Service and Fraud Department via phone on XX/XX/2021 and they opened the investigation. The bank has initiated the investigation. 
- Chase Fraud Department sent a secure online letter on the result of the investigation on XX/XX/2021 and the bank denied the recovery of unauthorized charges {$900.00} total. See attachment Chase_unauthorized transaction.pdf. 
- Contacted Chase Fraud Department via phone on XX/XX/2021 to contest, however, the bank denied the claim. Requested the account to be closed on XX/XX/2021. 
- Sent the copy of the police report via email on XX/XX/2021 to Chase Fraud Department and requested a written response of a new investigation. Bank has not responded after 72 hours.
Product: Mortgage

I was advised the day before my dead line that I wasnt going to be able to move forward with the purchase and I wasnt able to get my denial letter from the mortgage company, therefore hindering me from obtaining my deposit back from the XXXX .... the mortgage company manager stated that the loan officer had removed my application from their system prior to leaving the company so they cant provided me with any documentation. My deadline was XX/XX/XXXX and my loan officer told me on XX/XX/XXXX to pull out! Giving me no time to react with such short notice.
Product: Mortgage

My mortgage was sold to Freedom Mortgage in XX/XX/XXXX. In XXXX of XXXX Freedom Mortgage increased my monthly payment by approx. {$1000.00}. When I called I was informed it was due to the estimated escrow amount for taxes. I asked to make my normal payment ( {$1800.00} ) until the correct amount of taxes could be resolved which they accepted. They did not tell me at the time the amount would not be applied to my account. I called again in XXXX and was told they would take XXXX, XXXX and XXXX 's payments back to the end of my loan so they could resolve the tax issue. In XXXX they sent me paperwork for that to happen however, the document required us to agree to the inflated monthly amount. We could not agree to paying an extra {$1000.00} a month. The escrow department told me they were contacting our local property and school tax departments to resolve the issue. This never happened so I had to send them the tax bills myself. Early in XXXX the escrow department entered the new tax amount which reduced my monthly payment to {$1800.00}. However, they have refused to allow me to make the payments for XXXX, XXXX and XX/XX/XXXX because they are still showing the payments due for XX/XX/XXXX through XX/XX/XXXX at the incorrect amount. They are requireing me to make the full incorrect amount they say is due before they will bring my account current. The amount is almost double the actual {$5500.00} that is due. I have called them weekly to try to resolve this issue that is their mistake and have been unable to do so. I was told again today that I have to pay the incorrect amount and they would send me a refund check. The refund amount they have calculated ( {$2100.00} ) is still in excess of the actual amount due. We don't have the amount they are asking for. As senior citizens we budget carefully and only have the amount I have been saving each month that should have been the correct payment. All we am asking is to pay what I actually owe. Freedom Mortgage is using deceptive practices and taking advantage. This was their error and expecting us to pay for their mistake. This has reduced my credit rating from the high XXXX 's to XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus last XXXX XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and realized I had damaged on my credit report. According to the 15 U.S.C 1681 law there should not be any damages on my report. That is deformation to my character I didnt authorize these companies.
Product: Student loan

Federal Student Aid says XXXX Ineligible Payments Says : Deferment or Forbearance not eligible for XXXX XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) CALLED student Aid XXXX @ XXXX and they advised : XXXX - XXXX Forbearances, XXXX - XXXX Forbearances, XXXX - XXXX Forbearances XXXX XXXX - XXXX Forbearances Then called XXXX on XX/XX/XXXX XXXX XXXX and they advised : They are not seeing all those Forbearances that Student Aid is showing on my account. They are showing : Administrative Forbearance ( XXXX said this should count ) XXXX : XX/XX/XXXX - XX/XX/XXXX & XX/XX/XXXX - XX/XX/XXXX General Forbearance ( pause in payment ) Note : I did not request a pause in payment XXXX : XX/XX/XXXX - XX/XX/XXXX ( 2 months ) XXXX : XXXX - XX/XX/XXXX ( 3 months ) XX/XX/XXXX - XX/XX/XXXX : ( this was a pause in payment while XXXX form was processing. 

I have a copy of the Forbearance list that XXXX is showing. Also, advised me to call Fed. XXXX XXXX but they are no longer in business. I have submitted XXXX complaints with Student Aid & they closed it out with no explanation. I discussed it multiple times with representatives on chat. I sent a letter to Student Aid on XX/XX/XXXX & they received it I think on XX/XX/XXXX. I have a certified mail receipt. Still no response.