23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio recovery Associates continue to contact me every time they see a number change on my records. I am contuing to receive letters from Portfolio Recovery Associates to make a payment along with the letter it ays Due to the age of this debt, we will not sue you for it or report payment or non -payment of it to credit bureau. 
I was threaten by an associate name XXXX that she will go into my bank account. Portfolio Continue to harass me so much in calls til I started getting chest pains and shortness of breath. Portfolio Associates will yell at you constantly agrue with you and if you hang up the phone they will continue to call you back by phone. I ask them not to contact me they continue to do so my number has been change I applied for credit XXXX 2016 I did not give my number to portfolio Recovery the associates lie about when they purchase the collection. Portfolio Recovery has been harassing me for over 8 years Portfoli Recovery contacted harasssng me as of now. Porfolio Reovery is not listed on my credit reports But I am still receiving data that Portfolio Recovery is still acquiring to all my credit report bureaus, after being deleted from all XXXX credit reports and still demanding payments from me. I sent a cease and desist letter.
Product: Credit card or prepaid card

Capitol One sold my account to XXXX XXXX XXXX, XXXX. I was not aware of my rights at the time when I first contacted Capitol One in regards to this debt. I now know that my rights are being violated under the Fair Credit Reporting Act. The collection agency that brought my account do not have an address for me to submit any information to in fact only their name appears on my credit report preventing me from defending myself.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I had XXXX unauthorized transactions. I had called and let the financial institution know. I was sent an email of the transactions which I was to either fax or reply back. I filled out the forms needed and faxed and replied. A few days later, I received an email that the complaint was denied. 

We received a dispute from you on XX/XX/year> totaling {$2400.00}, including the following transaction ( XXXX ) : Date Description Amount Disputed Amount XX/XX/year> MONEYLION PAY TO XXXX XXXX {$1200.00} {$1200.00} XX/XX/year> MONEYLION XXXX XXXX  TO XXXX {$200.00} {$200.00} XX/XX/year> MONEYLION XXXX XXXX TO XXXX {$500.00} {$500.00} XX/XX/year> MONEYLION XXXX XXXX  TO XXXX {$500.00} {$500.00} I have resent XXXX to XXXX times to get this resolved. I can't access the account at this time. I have called to get this resolved and nothing has been done. I would like to receive my money back in the form of a check because I do not want to do business with this financial institution anymore. 

It seems that someone within the institution has an account with the institution and has access to account or at least my account. 

I asked if there were any security measures to prevent that from happening and I was told no. 

Spoke to a rep and she said that it was resolved and I told her it was not and that I want my money back. She said she would email me or call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts as soon as possible. 

DPT ED/XXXX  XXXX {$160.00} DPT ED/XXXX XXXX {$1400.00} DPT ED/XXXX  XXXX {$2900.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$2000.00} XXXX XXXX  XXXX {$4600.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$530.00} XXXX XXXX XXXX {$82.00} XXXX  XXXX  XXXX  XXXX {$100.00} XXXX XXXX   XXXX {$270.00}
Product: Debt collection

Jefferson Capital Systems LLC is continuing to report and trying to collect on a fraudulent collection account on my credit report even after disputing several times that the debt does not belong to me, and I have no knowledge if this account. They have continued to remove and reopen the account with a new date, attempting to extend how long they can report I assume and failing to provide validation of proof. Nevertheless, I have vehemently denied this debt and would like a full investigation into their practices.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$17000.00}
Product: Credit reporting or other personal consumer reports

As outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), it is crucial to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound regard for consumer privacy. Entities like XXXX, XXXX, and XXXX operate as consumer reporting agencies, while I stand as the Consumer. It's imperative for me to protect my private information, reinforced by 15 USC 6801, emphasizing the Congress 's policy for financial institutions to uphold customer privacy and safeguard nonpublic personal information.

Jpmcb-Card Services falls under the definition of a financial institution. According to 15 USC 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish consumer reports based on the explicit written instructions of the related consumer. Neither Jpmcb-Card Services nor the consumer reporting agenciesXXXX XXXXXXXX, and XXXXhave my consent to furnish this information, written or otherwise. All previous forms of consent, whether verbal, non-verbal, or implied, are hereby revoked.

Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution must inform consumers of their right to prevent the disclosure of nonpublic personal information to third parties, which Jpmcb-Card Services failed to do. The reporting of adverse information about my account, as per 15 USC 1681C ( a ) ( 5 ), without my permission, is unlawful.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate consumer information to reporting agencies, while 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. 

XXXX, XXXX, and XXXX are not upholding reasonable procedures, as required by law. Finally, as per 12 CFR 1016.7, I am exercising my right to opt out of the reporting of my credit balance and credit utilization immediately.

Thus, based on these regulations and statutes, I demand that XXXX, XXXX, XXXX, and Jpmcb-Card Services cease reporting my information without my explicit written consent and respect my right to opt out of these reporting services.
Product: Consumer Loan

Hello, I received a letter from Ally Financial inc.and Ally Bank, that they settled a lawsuit with XXXX government agencies -- the U.S. Dept. of Justice and the Consumer Financial Protection bureau -- over allegations of discrimination in auto financing. and that a credit will be reflected in my next billing statement. I was told that the credit would be applied to the principle, but when checking my ally online account history, the XXXX credits {$48.00}, of that {$24.00} went to finance charges, {$94.00}, of that {$47.00} went to finance charges. QUESTION : Is n't that whole amount to be applied to the principle?
Product: Student loan

To Whom it May Concern I have sent 3 letters to all 3 credit reporting bureaus. They have never gotten back to me on the information on their " investgativion ''. I contacted the Dept of Education and never heard back from them either. I have never been late on my loans as I have been in school. I am not sure why this is reporting this way and this is very alarming. I need this information fixed and reported correctly to all the credit bureaus. 

THis accout is reported 6 times late on all 3 bureus DEPT OF ED/AIDVANTAGE Acct # XXXX
Product: Student loan

My Student Loans were being serviced by Great Lakes but were transferred to Nelnet last year. When they were with Great Lakes, I paid them during the Covid Forbearance period and got them down to about {$42000.00}, I had 3 sets of loans, one for {$7000.00}, one for {$14000.00} and another for {$21000.00}. When they were transferred to Nelnet, it shows a balance of over {$45000.00}. It's like Nelnet did not apply any of the Covid payments. 

I've tried calling them but can not get connected to anyone. I've tried submitting a complaint thru their electronic submissions. I get no answers. This has been going on for months. I've asked for statements from the Great Lakes period, no response. I know it's law that financial institutions are required to keep a minimum of 5 years of statements on record. I want those statements. 

It was even a hassle just to get the tax information for 2023 with Great Lakes. I had to go off a digital message telling me the amount of interest paid rather than an actual tax form. 

I even tried reaching out to the Department of Education and got nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I am being hit with a hard inquiry from XXXX XXXX/XXXX   which I did not make. I never authorized any Inquiry or applied for any card. This is fraud.
Product: Checking or savings account

My XXXX IRS refund was sent to Bank of America on XXXX XXXX. When my bank account didnt show the deposit that the IRS confirmed I checked my routing number and account number on my 1040 tax forms. I then realized that Id made a mistake and added an extra digit to the last XXXX of my account number. I immediately called my bank and explained my issue. They stated that when they receive an incorrect account number that doesnt match the name on the account the funds are IMMEDIATELY sent back. I then went into a branch for assistance and was told the same exact thing. At no point was an investigation offered to assist with the location of the deposit. I then called the IRS and inquired if the funds were sent back to them so that they then could issue a paper check of my refund. As of today XX/XX/XXXX the IRS has confirmed that Bank Of America has NOT sent back the funds. I am now waiting on the results of an IRS trace of my funds which could take up to XXXX months.
Product: Credit card or prepaid card

There was a balance on my credit report of {$680.00} and I settled with XXXX XXXX for {$300.00}. Then, Capital One updated my credit report to only reflect a {$300.00} payment, leaving a balance of {$380.00} and my credit score dropped 90 points. How can do they do this? I did my research and found this is a violation of the Fair Credit Reporting Act. I have spoken to several people at Capital One and they assured me it would be reflected to a XXXX balance and now it is n't. I am trying to get a mortgage and I paid this account to satisfy my debt and now it just hurt me more than paying.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute these fraudulent accounts following information that appears on my Equifax, XXXX, and XXXX report for fraud.

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX {$810.00} XXXX XXXX XXXX date opened XX/XX/XXXX {$880.00} XXXX  XXXX XX/XX/XXXX {$5200.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$1000.00}
Product: Credit card

My name is XXXX XXXX XXXX. Yesterday, XX/XX/XXXX, at XXXX XXXX EST I opened a mail letter from Discover. I then discovered a brand new credit card. I thought this card was a replacement for my current Discover card. I was in a hurry to leave because I was headed out soon to grab dinner with my significant other. I then activated the card through the QR code provided from Discover on the card. I noticed someone was off. When I went to activate this card it was asking me to create a user ID and make a whole new account. 
Once I logged in after the account was created, it had a different credit limit than what I originally had. I had a XXXX credit limit and this new one was only XXXX. I then got my other discover card out and noticed the card was set to expire in XXXX. I then called discover and spoke with their fraud team at XXXX XXXX eastern time. I believe I spoke with XXXX, who then submitted the card for fraud and had it cancelled. I truly believe someone has my personal info and my SSN. I do not know what their intent is but my my best guess is to sell and use my SSN and personal info elsewhere. 
I do not think their intent was to actually use the card but to see if my information was valid and worked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account information comments/remarks are reporting incorrectly/erroneously from Midland Credit Management. This collection agency continuously reports the account as " Account information disputed by consumer '' in the comment/remarks. 

I am no longer disputing the account information and have expressed this to the collection agency 's attorney ( XXXX XXXX XXXX ) on several occasions XX/XX/XXXX, then again XXXX XXXX and XXXX XXXX to discuss payment arrangements with each call. 

I have contacted all three credit bureaus to have these dispute comments removed several times and each time the credit bureaus complied to my requests to remove the comments, but Midland Credit Management and/or their collection attorney ( XXXX XXXX XXXX XXXX adds the dispute comment back onto my credit files each month.
Product: Student loan

For 12 years I have been struggling to repay my loans. I have had multiple forbearances and deferrals. Whenever I did contact navient about my struggles that was their suggestion. I have for the past several years contacted them multiple times to figure out how to lower my payments, repay faster and consolidate my loans so I wasn't paying 4 different interest rates for the next 30 years. I have never been able to get help. They contact me when my payment falls behind and tell me they can help and then when I agree they tell me they can't help. I still have 20 years left on my loan, I have barely made a dent in the repayment and I just want to get a normal repayment plan for a few years and be done with them. I have to take to 2 separate sections of the company to deal with my private loan and federal loan. Every time I call I get transferred multiple times and become so frustrated, half the time I don't understand what they are telling me. I spend long periods of time on the phone with them trying to understand how my payments work, I confirm my understanding of what my payments will be and then the best time I talk to someone I find out my understanding was incorrect. This company is horrific to work with. I was XXXX years old when I got these loans not really understanding what I was doing and at XXXX years old I still have 15-20 years before I can pay these loans. It's unrealistic for any person trying to manage a family to pay student loans for 20 years. My original loan was approximately {$20000.00} and I still owe {$16000.00} after 12 years. Please help.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX and Experian for reporting inaccurate late payments on my credit file despite repeated disputes and proof that the information is incorrect. 

What Happened? 
I have been disputing XXXX inaccurate late payments with both XXXX and Experian for months regarding the following accounts : XXXX XXXX ( Auto Loan ) Closed/Paid Off American XXXX Finance XXXX XXXX Loan ) Closed/Paid Off XXXX has already investigated XXXX disputes and removed the late payments, correctly reporting both accounts as paid as agreed with no late payments. However, XXXX and Experian continue to inaccurately report these accounts as having late payments, despite the clear evidence proving otherwise. 

I have submitted multiple disputes to both credit bureaus, providing the necessary documentation, yet they refuse to correct my report. This has negatively impacted my XXXX XXXX and financial opportunities, even though both auto loans were paid off in full and never late. 

Actions Taken by Me : I disputed the inaccurate late payments with XXXX and Experian multiple times. 
I provided them with proof from XXXX showing that these accounts should be reported as on time with no late payments. 
I requested that they update my credit report to match the correct reporting by XXXX, but they have failed to do so. 
XXXX Requested from CFPB : I am requesting that XXXX and Experian be required to correct my credit report immediately by removing the inaccurate late payments, just as XXXX has already done. I am also requesting that they provide a valid explanation as to why they continue to report incorrect information despite clear evidence. 

This issue has caused unnecessary damage to my credit profile, and I seek urgent intervention to ensure fair and accurate reporting. 

I appreciate your assistance in resolving this matter as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTED WITH EQUIFAX BACK IN XX/XX/XXXX REGARDS TO A RE-AGED CLOSED ACCOUNTS THATS STILL SHOWING ON CREDIT REPORT THAT WERE FROM XXXX AND XXXX CONFIRMATION # XXXX for {$11000.00} AND # XXXX {$1500.00} According to the Fair Credit Reporting Act ( FCRA ), negative entries can remain on your credit reports for 7 years from the " Date of First Delinquency '' ( DOFD ) .Equifax back in XXXX Credit report confirmation # XXXX clearly shows the original DATE OF 1ST DELINQUENCY XX/XX/XXXX AND XX/XX/XXXX AND REFUSED TO CORRECT IT. Enclosed is a copy of that report
Product: Credit reporting, credit repair services, or other personal consumer reports

I received from the company GIS a copy of a background check made on behalf of XXXX XXXX XXXX. 
They stated in the report with this words, a issue o authenticity of my social security. " XXX-xxx-xxxx May have a issued as part of the SSA Randomization program. Please work with candidate to validate Authenticity '' As per our conversation they GIS and XXXX XXXX XXXX wanted me to send them my SS card to prove its authenticity. Because the report issuer its supposed to find the right information before issue any report, I denied to send them the requested SS card. 
I dispute the issue asking them to go to the proper authorities to validate the authenticity of the document. Adding to them the following, that if something is wrong with the card, I would not be the correct source to provided such a sensitive information. 
They close the dispute and nothing was resolved. 
I call them so many times and they said that it was close and period.
Product: Credit card or prepaid card

On XX/XX/XXXX I was researching options to open a new credit line for my business XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I was shown a sponsored XXXX advertisement for a Capital One Credit Card ( who I have been a customer with for XXXX years ). 

I did not realize after applying that it was having me open a nearly identical card ( XXXX XXXX ) to the XXXX I have ( XXXX XXXX XXXX  ) -- I thought I was just raising the credit limit on my XXXX XXXX XXXX. 

I do not need or want the " XXXX XXXX '' because the card features are not useful to me or my business. 

I called into Capital One and talked with a representative right after the card was opened and I realized this -- they told me the application department would be able to fix it, but they were closed ( since it was a XXXX ). 

I was also, told by another representative to apply for another card ( " XXXX XXXX '' which I did ... and was then declined. ) The reason I was declined : The " XXXX XXXX '' card was still in processing even though I had been given confirmation it was approved -- so I was told wrong by a representative and now have a negative second hard pull on my credit -- which is totally not fair because it was an automatic reject and the representative gave me bad information. It is apparently a recorded line so it can be listened to again. 

I promptly called Capital One on XXXX  morning XX/XX/XXXX and after speaking XXXX representatives they told me they couldn't help -- my request was to simply switch the card type of " XXXX XXXX  '' account into a " XXXX XXXX  '' I feel misled as a consumer and Capital One did not adequately advertise their financial products. Furthermore, the representatives employed by Capital One gave me misinformation that was deleterious to my credit score.