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

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$890.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$680.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX  XXXX Balance : {$43.00} ; XXXX  XXXX Balance : {$32.00} ; XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX LA XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I had an XXXXXXXX XXXX on XX/XX/XXXX and set up a payment to be made towards Capital One automatically for my payment due date of XX/XX/XXXX of {$500.00}. This was made through their automated system. The payment was not made as it was requested and in XXXX had realized this, now making my XXXX payment 30 days past due. This mistake on Capital One 's part has affected my credit in such a negative was that it has dropped my score where I can no longer apply for certain things like a home refinance or other credit cards. I went ahead and made my payment again by phone to be deducted that day, where it was finally drafted as requested. But I still have a derogatory mark on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint about the inaccurate reporting of late payments by XXXX XXXXXXXX XXXX on my credit report. According to their records, several payments have been flagged as late, even though they were made on time. This misinformation has caused unnecessary harm to my credit score and could negatively impact my financial opportunities. As someone who works hard to maintain a good financial standing, its incredibly frustrating to see this kind of error go unaddressed. These inaccuracies are not only misleading but also unfairly damaging to my creditworthiness. Ive taken the time to review my records thoroughly and can confirm that these late payment reports are entirely incorrect.
Product: Debt collection

XXXX is Reporting a debt from a collection agency named Southwest Credit Systems. I have disputed the claim once and it was reinstated. This collection is a cable/cell phone bill of {$100.00} with a collection amount of {$220.00}. I have called the collection agency and spoke with them for over 1.5hrs and the discovered after many attempts they could not verify any active account with all my personal information provided. I spoke with a XXXX XXXX an account rep @ XXXX she told me there is not active account. I asked for a letter or email of proof and she stated no letter or email statement could be provided because there was no active claim account. I have disputed twice with XXXX and they refuse to remove the negative claim that is not mine. I used XXXX XXXX which is XXXX XXXX have been a customer for 15+ years ask for them to run my info for any unpaid or collection and there is nothing active or delinquent on their end. XXXX This is my last option according to XXXX for resolution. Looking at there credit report I may have fallen victim to identity thief or lumped into a similar name situation as there is an address on my credit report that I don't recognize and a city I have never lived in. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve this reporting issues multiple times using online reporting via the credit bureaus websites which includes Experian, XXXX and XXXX as well as writing letters to companies for resolution. 
The credit bureaus just comeback within a few days as verified without research without looking at provided documentation. 

XXXX  XXXX : Opened XX/XX/XXXX Settled on XX/XX/XXXX In my negotiation with the XXXX XXXX representative, we agreed on the settlement amount with the understanding within 30 day it will deleted from my credit report. Documentation will be provided. 

XXXX XXXX : Opened XX/XX/XXXX Charged Off for Bankruptcy on XX/XX/XXXX This account was apartment of my bankruptcy is still shows in negative standing evening though I carry a Bankruptcy on my credit report and all the other account turned positive or deleted complete. In speaking with Colorado Bankruptcy Court, I was informed that that I am being penalized twice with this account being shown in a negative status and with Bankruptcy. 

XXXX XXXX XXXX XX/XX/XXXX This account was paid directly to the XXXX, but it still shows on my credit report, they are unwilling to delete even thought the primary creditor took payment and said that the collection action will be cancelled.
Product: Checking or savings account

My mother found 2 certificate of deposits in an old safety deposit box in XXXX, NC. One CD is for {$1000.00} and the other CD is for {$1400.00} that were purchased by her by were for myself when I was little. They were issued by the XXXX XXXX  XXXX  XXXX XXXX in XXXX, NC. Upon further research, it was determined this bank is now Truist. When she went to the bank to attempt to cash them in, she was told there was no record of them and they would not be able to give her the money earned. 

I have attempted to get ahold of Trust to see if anyone could help me but have had no luck and would like to cash in these CDs so I can put the money in savings as my mother had originally intended when she purchased them in XXXX  and XXXXI have attached a picture of the CDs to this complaint.
Product: Mortgage

We applied for refinance with Chase. The underwriter asked for additional assets. We emailed about additional asset options several times, but never heard back and shockingly found out that our application was denied on the basis of insufficient asset. The denial decision was ungrounded. We have enough assets. Counting in any of the additional options in our email, we should have enough assets. However, our communication and efforts to discuss these additional asset options kept being ignored. Our application was denied before anyone responded to us regarding those asset options. We deserve more fair treatment, after such a long period of waiting, than simply being dismissed without reasonable communication.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle, numerous times and discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering. My last funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected protected consumers but has also let repeat offenders to exploit the system, leaving userss vulnerable to scams. The lack of accountability transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

this lender is passing the buck the have received my complaint and now sending me correspondence to claim to another part of their organization they already have the complaint as the primary contact
Product: Debt collection

Allied Interstate of MN, mailed me collection letters and statements regarding the XXXX   XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( MGA ) claiming In  owed about {$20000.00} in educational debt. As a result of these letters and this company hovering into my credit reports, I scheduled them in my Chapter XXXX bankruptcy. Later, I learned that neither this company nor their attorney were licensed to practice law or collect debt in Michigan. I also learned that Michigan Department of Education does not farm out its collection. To add " fuel to the fire '' of this fraud, the Attorney General of Michigan filed in his Brief in a Motion to Dismiss that I owed nothing to Michigan, and that even if Michigan were allowed to make a claim it would not have done so. Later, another law firm ( hired by XXXX also of MN in MI ) appeared to front or cover for the legal status of XXXX and its out-of-state attorney to participate in the adversary proceeding stemming from this debt. As such, it appears this XXXX XXXX XXXX XXXX 's law firm in MI was knowingly trying to make this debt valid so as to use XXXX XXXX documentation as its own. This is massive fraud! Now I am still working through this by obtaining the 100-page PDF on AA and its license history. The XXXX XXXX   XXXX listed a XXXX, MI, ( XXXX it ) address as the headquarters of XXXX. Also that is also the mailing address on the statements that XXXX mailed to me. Additionally, I spoke to their Chief Legal Counsel and Chief Compliance Officer, XXXX XXXX XXXX of California, when he was in New York, Summer XX/XX/2017, about who could receive legal service of the second summons and complaint in MI. The Bankruptcy Court required that an officer of the company be served. He gave me a bogus address. So his affiliation with the parent  companym, XXXX, may also be at issue here. I filed a formal complaint with the Michigan licensing authorities, because I have to undo what damage their false documentation as a " servicer '' has done. They were not a servicer. They were a third-party out-of-state unlicensed-in-Michigan debt collector, pretending they had the full weight and authority of Michigan behind their collection efforts. This is very serious. The XXXX. attorneys are calling themselves a " substitute guarantor '' when they too are merely a third-party debt collector. Neither has standing. Neither was contracted by Michigan. Reading the papers filed, it would seem as if Michigan itself is confused, because their own attorney general conflicts with the letter submitted by XXXX. 's attorney to the court, as as assignment, with a redacted copy of a fake document that once belonged to Allied Interstate. Jail seems appropriate for all of them. I hope the authorities agree.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has pulled my credit several times causing hard inquiries bringing credit score down, when request once in XX/XX/XXXX and XX/XX/XXXX both paid for by loan officer.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes b
ut is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
4. Immediate notification to all major credit bureaus ( Equifax, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach.

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties.

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Payday loan, title loan, or personal loan

I had opened a plan with synchrony bank on XX/XX/XXXX and got {$6000.00} credit with no interest if pay full in 18 months. On XX/XX/XXXX when I was trying to make my first payment and set up an auto pay, I accidentally paid in full, and then I immediately contacted with synchrony, and they said that they will send me a refund check and restart my plan. On XX/XX/XXXX I received the check which issued on XX/XX/XXXX. On XX/XX/XXXX I start over the pay period. On XX/XX/XXXX I check my bank account and noticed they charged my over {$1800.00} interest charge on purchases. 
Synchrony count the months from XX/XX/XXXX to XX/XX/XXXX so they said I didnt pay in full on time. It was TOTALLY INCORRECT. When I accidentally paid in full on XX/XX/XXXX, the system told me the period was ended and I cant reopen by myself. Until XX/XX/XXXX I was able to make a payment. The period should be counted on XX/XX/XXXX or XX/XX/XXXX.
Product: Debt collection

2016   XXXX   XXXX  fo r Target Stores, is claiming  I owe but I paid them in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account # XXXX 30 days late in XX/XX/2019.
Product: Credit card

To whom it may concern, Back in XXXX| made several large purchases on my credit card totaling {$4500.00}. And to my dismay I realized that this company was charging me excessive amounts of interest to almost XXXX XXXX month additionally on my card... in addition to thatthis time last year stuff kept happening to my account like statements get switched to email statements and payment alerts got turned off my accountwhich created late fees ( like now they are telling me I went online and switched my account AGAIN to online statements by email only ) I would have never done this knowinglythis caused missed payments and late feeswell last year they reversed some of the {$29.00} late payments... but not this year and the late fee almost doubled This company uses unfair tactics in their billing... you can schedule payments but you can not make additional payment without canceling the scheduled paymentif you pay after XXXX on your due date thats another late fee and they are in a different time zone an hour ahead... the list just goes on and on with the hidden tactics and fees... I paid over {$1000.00} towards the card last month so when I didnt receive my text message reminder or my paper statementI assumed that I was exempt from payment this monthbut when I looked at my locked account I noticed a whooping {$40.00} late fee on my accountThis Whooping {$40.00} late fee is almost double the typical late fee amounts ... when I realized that 2-3 days laterI immediately went online and made another {$620.00} paymentso I called capital one to explain what happened and requested the late fee waived and was immediately denied the waiverthis is pure gouging and I would like an investigation of my entire account for this past year because the interest charged seemed excessive for the balance on the card ... my statements and alerts keep getting turned offThis CapitalOne savor card has been unfairly gouging me for a year now and their practices need to be investigated. I believe they are targeting and taking advantage of the elderly too
Product: Credit reporting or other personal consumer reports

I am disputing the following negative items that continue to appear on my credit report : XXXX XXXX XXXX - {$2000.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX These items remain unverified despite my repeated attempts to dispute them. I have submitted multiple requests, provided detailed information, and followed all proper procedures, yet no corrective action has been taken. This lack of resolution has caused me significant financial difficulty, and the stress from dealing with this issue has deeply affected my mental and physical health. It is unjust to leave these inaccuracies unaddressed while they negatively impact my life. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and transparent credit report. These unresolved items are a direct violation of my rights, and I request immediate attention to investigate and either verify or remove these negative entries from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occassions, I have disputed a XXXX XXXX XXXX / XXXX XXXX XXXX   account that was paid in full to the creditor on XX/XX/XXXX. I have sent the documentation that I received from XXXX to XXXX  and Experian that the credit card was paid off and was reflecting a XXXX balance. The dispute continues to come back verified and the account still remains with a balance on my two credit report. I have contacted XXXX  and they advised I contact the two credit bureaus ( XXXX and Experian ) and have them call XXXX with my authorization to verify the status and balance of the XXXX account. I have called XXXX  and they refuse to call XXXX  and have let me know it is not a policy of theirs to do so. I am beyond frustrated and hate going around in circles. I am trying to obtain an updated credit report so that I may apply for a mortgage and this is preventing me from doing so.
Product: Debt collection

Collection company is trying to make me pay a collection fee for a debt that I paid years ago to the doctor and I do n't know how this company thinks it can collect from me. Their statements shows an original balance of {$0.00} but they want a collection fee of {$7.00}. They are threatening if I do n't pay, " Do not delay. Credit information is now being accessed for employment & apartment qualifying ''. Another threat is " Procollect will delete your account from your credit report and reduce the balance by 50 % if payment of {$7.00} is received in our office no later than XXXX/XXXX/2015. " I do not owe any debts and this is a scam.
Product: Debt collection

Good morning, I have told Equifax that the inquiries did not originate from me nor did i authorize them
Product: Credit reporting, credit repair services, or other personal consumer reports

On a few separate occasions I have disputed with all three credit bureaus Equifax, XXXX, and XXXX  pertaining to a credit card with XXXX XXXX XXXX  acct # XXXX for the date of last activity, payment history, status * and the dispute was returned verified. After some further investigation on my part, I am also concerned that these accounts may not belong to me, and/or the reporting to Equifax, XXXX and XXXX  may be inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), this Notice includes Identification of the specific information being disputed XXXX, XXXX  and Equifax reporting for Acct Number : acct # XXXX The basis for the dispute : For Payment Status Equifax is reporting Charge-off, XXXX  is Reporting Charged off as bad Debt, while XXXX  is reporting Unpaid balance reported as a loss by credit grantor. For Worst Delinquency Equifax is reporting Bad debt/collection, XXXX  is showing Not Reported, and XXXX  is reporting Charge off/Other Derog. On Equifax Acct # XXXX status is closed, but reports payment history with a 90+ Days Late only on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no dates were reported on XXXX. Also, for the Close Date XXXX is reporting XX/XX/XXXX as a close date while Equifax and XXXX are not reporting a close date at all. For Date of Last Activity, Equifax is reporting XX/XX/XXXX ; However, XXXX  is reporting XX/XX/XXXX and XXXX  reported as Not reported and closed as charged-off without a date of last activity. Also, for Terms Equifax and XXXX  are not reporting while XXXX  is reporting Revolving. Lastly, for High Balance Equifax and XXXX  are not reporting anything while XXXX  is reporting a high balance of {$450.00}. 


I have sent them excerpts of my credit reports showing how these accounts are reporting
Product: Debt collection

Could you clarify the debt collection notice I received from XXXX XXXX XXXX, dated XX/XX/XXXX? The notice refers to a debt originally owned by XXXX XXXX  XXXX and now claimed by Jefferson Capital Systems , LLC, as the creditor of the account. The debt in question is related to a XXXX XXXX account. I am particularly concerned because the notice includes references to various corporations. I would like all relevant documentation supporting Jefferson Capital System XXXX 's authority to collect this debt as soon as you can. 
Theres another issue that concerns me. I recall asking for documentation of this same authority before, on or about XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, during which I received a response from Jefferson Capital Systems , LLC, acknowledgment of my request, and confirmation that this account was closed, further acknowledging that they were terminating collection action, dated for XXXX of XXXX.