23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Jefferson Capital Systems contacted me to collect debt. I sent a letter asking for XXXX. Proof that Jefferson Capital Systems legally owns this debt, including documentation of the sale or assignment from XXXX XXXX to Jefferson Capital Systems. 
XXXX. A detailed breakdown of the debt amount, including any interest, fees, or other charges applied. 

They never responded. However they updated my credit report remarks with Account information disputed by consumer, meets FCRA requirements.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified several errors. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to verify the accuracy of these accounts. Reporting unverified information without proper validation within the legal timeframe is not permissible. I request that you investigate and correct the following accounts listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet someone was trying to get credit cards in my name applying for all kinda stuff..
Product: Checking or savings account

On XXXX XXXX XXXX XXXX I called my bank Chase Jp Morgan XXXX I noticed an unauthorized charge for {$63.00} on XX/XX/XXXX with the following description " XXXX XXXX XX/XX/XXXX XXXX Dollar XXXX X XXXX ( XXXX XXXX ) ( ... XXXX ) '' on my checkings account via my debit card. 

I never made OR authorized this transaction and called on XX/XX/XXXX to report the fraudulent transaction. The representative from Chase on the phone then disputed the transaction on my behalf, which resulted in my current debit card being terminated and the amount was refunded immediately. 

However, onXX/XX/23 I see that the chargeback was reverse and that amount of {$63.00} was taken from my account again. On XXXX XXXX XXXX XXXX I called the bank and asked why this chargeback was reversed and the bank said that the merchant submitted information that proved that I made the transaction. They said they could not give me the information via email or over the phone and that I needed to wait XXXX days to receive it via regular mail. 

I finally received the information on XX/XX/XXXX and reviewed the docs. The merchant submitted a blank form with no identifiable information that proved that I made the transaction. The unauthorized transaction had no information to link to me. The address was blank. The XXXX was blank. The Name was blank. There was no information whatsoever in the document that the merchant provided that linked the transaction to legitimacy. I have attached this document in my attachments for your reference. 

On XX/XX/XXXX I called the Chase JP Morgan XXXX department again to notify them that I received the paperwork and that there was no identifiable information to link the transaction to me at all. I spoke to XXXX in the chargeback department. XXXX proceeds to tell me that this transaction was filed as a " Item Not Received '' and not as a " fraudulent transaction ''. I went on to explain to XXXX that this is not possible as I called and Chase literally cancelled my card and on the phone filed this as a fraudulent transaction. She said on her system that it was Item not Received! As a result Chase said they can not escalate the chargeback to pre-arbitration. However, this is not my mistake, I called and the phone call was RECORDED where I told the representative it was a fraud transaction. However, the representative messed up the reporting and as a result I'm stuck with a transaction I never even authorized. 

The entire experience has been jarring. I really hope CFPB will investigate how ridiculous of a round-about way they have treated me. 

The case number with Chase JP Morgan for the chargeback is # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed wrong information 3 times starting XX/XX/XXXX but I did it in XXXX also they continue reporting and letting XXXX XXXX abuse my credit reporting information that is in my bankruptcy to which they agreed to in court I might add. I have given Experian proof that I have paid as agreed but they keep letting them harass me by reporting twice a month that I am Late. Under the bankruptcy they agreed to the terms do they get to be under the bankruptcy which is already on my credit and also report like I dm not under the bankruptcy. No other company under the bankruptcy is doing that how is this legal.. I have not missed no one payment in fact I have paid more. XXXX is a bank I never signed a contract with. They obtained my information because they merged with XXXX XXXX which I did have an account with in which I am in good standing with.. so how is this possible???? I never had an Account with XXXX ... Never signed a contract with them. They obtained my information because they merged with XXXX XXXX once again
Product: Vehicle loan or lease

XX/XX/XXXX Complaint against : Capital One Auto Finance Account number : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX IN XXXX To Whom It XXXX Concern : Capital One Auto Finance called me daily for a month, I kept telling them my husband lost his job and we could not pay. Finally when we got behind I asked for lower payments. 
Capital One offered an extension to the loan for two payments, two payments would be put on the end of the loan. 
They called it an extension, but really its a forbearance agreement. 
We have great credit, I want to make sure we keep our credit clean as we are already back on track with our finances after a few months of hardship. 
I was clear and asked very pointedly if our credit would be affected, Capital One said no it would not be affected negatively because I made this agreement with them. 
To my horror Capital One put a 30 day late on my credit. 
I called Capital One on XX/XX/XXXX and then on XX/XX/XXXX ( the department was closed on Sunday ) to discuss two things : 1. I have not received via email or mail the forbearance agreement/extension agreement. 
2. I have called multiple times as this agreement has to be faxed back by the XXXX I am told. 
3. The 30 day late needs to be removed as I was told if I did the agreement my credit would be safe and Capital One would not give any negative marks. 
When I called on XX/XX/XXXX I spoke to XXXX who said that I am still behind. How can that be? I asked he said because you still owe a payment. I said but the last two payments from XXXX and XXXX are at the end of the loan, so I owe XXXX? He said, no you are behind. 
This is not acceptable. You can not have it both ways where you put payments at the end of a loan and also hit my credit for being late! 
Also, I still have not received the email or anything via mail with my agreement attached/sent. This is very scary as I am told the agreement will be voided if I dont send that information in! 
And they are debiting my account a payment on the XXXX, I was told it had to be by the XXXX in order for me to keep my credit from being harmed. I am not sure why the XXXX as that is not my due date each month. 
Please assist and thank you in advance. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I've been disputing with the credit bureaus ( XXXX, Experian, XXXX XXXX ) and the furnishers ( XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX ) since XX/XX/XXXX, and as recently as XX/XX/XXXX & XX/XX/XXXX, to have an account removed from my credit report. I've identified all of the inaccurate & inconsistent information that was being reported, and I've sent both the bureaus and the furnishers physical evidence that this account was paid in full to the original creditor as " SATISFACTION OF MORTGAGE '' to which I've maintained constant communication. Their letters and website states If you have documents that release you from this obligation please forward a copy to us. Upon request, I've repeatedly asked proper documentation that identified the original creditor, open/close dates of the account, binding contract ( s ) and other vital information. None of these entities has presented anything tangible thus far ( bureaus and the furnishers ), but they've all ignored me. For example, on XX/XX/XXXX, I've disputed with XXXX XXXX, certified mail to their Indiana office with information identifying myself, account #, and the release " SATISFACTION OF MORTGAGE ''. They said my letter was illegible ( when I typed ), there was no account #, no signature and that I didn't provide enough information for them to identify the account. The they referred me to their California office and I disputed with them on XX/XX/XXXX, they sent me the same response. Ive disputed with XXXX  XXXX XXXX on XX/XX/XXXX, they ignored me and referred me to XXXXXXXX XXXX. I have copies of their response letters. I've submitted my fourth dispute with XXXX on XX/XX/XXXX by certified mail, about inaccuracies with a certain account, days later received an email that showed they were re-investigating the wrong account, after I've provided them with the correct account number. On XX/XX/XXXX, I called their customer service # to rectify the issue with an XXXX representative and they continued to give me grief and told me they couldn't do anything about it. As I've mentioned earlier, Ive pulled my credit report from reliable sources for the 3 major bureaus, and theyre all inaccurate, inconsistent, and the two furnishers have been inaccurately reporting from multiple offices from different states. The bureaus refuse to make the corrections and properly investigate my account. Ive attached copies of my credit reports from XXXX, XXXX   Experian, XXXX XXXX, the certified release, a response from one of the debt collectors and I've placed RED ARROWS where there are inaccuracies and contradictions. Every time that I've checked my updated reports over the months, information is always different rather than correct. Ive read, reviewed, and Im exercising my rights as a consumer, while these companies know the law and are required to follow the law, but refuse to abide by them.
Product: Student loan

I submitted an income driven repayment plan and a loan consolidation plan through studentaid.gov in XXXX. EdFinancial processed the consolidation part quickly but will not respond about my Income driven repayment plan form. I downloaded a copy and submitted it directly to EdFinancial but still no response. With payments due to resume I would like an my plan to be processed.
Product: Credit reporting or other personal consumer reports

I have had my Chime Credit Builder Card since XXXX with no issues. Chime claims to send balance and payment history monthly to all three credit bureau 's. I noticed on my XXXX credit report that my payment history has not been updated in 6 months ( XX/XX/XXXX ). I contacted Chime, and they informed me send information monthly to all three credit bureau 's, to contact XXXX. XXXX claimed they haven't received any information to update, and suggested I file a dispute. I file a dispute on the account with evidence account information has not been updated in 6 months. Chime 's response was " the information is correct. '' Which it is not. After XXXX I found there are multiple users with this issue. I e-mailed them, explaining the information was in fact not correct, with the screen shots, and they once again suggested to contact XXXX. They advertise that they report, when in fact, it seems they have stopped that effective XX/XX/XXXX for multiple customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, and XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX have 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 an account without my written instructions.
Product: Debt collection

I Have not received proof of bill, The Consumer Credit Reporting Act Requires anything on a credit report for the person when asked to provide proof of debt including full break down of charges, This has not been supplied to me, It is also against the law for this person to have my medical record since I have not given them access under HIPPAM they are therefore not allowed to view my medical information, I request that they immediately cease all activities and remove my record from their system and remove the report from my credit report as they are not allowed to have it there with being able to prove exactly what it was for and service rendered with a break down. It is showing they Sold to them by XXXX XXXX XXXX XXXX, and It was listed as them before on my credit report
Product: Debt collection

I believed this was a car accident when I was in the XXXX  and I advised many times that Im not responsible for the bill and why is this on my credit report when the person responible insurance company was billed and its their responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with IXXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTION account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this collection, including this incorrect information from my personal profile. A copy of my XXXX XXXX and drivers License are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX , U S DEPT OF EDXXXXL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma applied for there previous approved but to get turned down
Product: Debt collection

XXXX XXXX  XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

When We My Wife and I Applied for a home loan & Credit card this was reported XXXX XXXX XXXX Plus XXXX XXXX XXXX 39 Serious Delinquency 18 Number of Account Delinquency 13 times since Delinquency is too recent or unknown 14 Length of time account have been established 20 length of time derogatory public record or cllection is too short This was reported from all 3 credit account on Notice to home loan applicant by attached plus XXXX  was written off XXXX not XXXX  & should have been removed SOURCE : XXXX XXXX XXXX XXXX XXXX  TRANUNION I witness these account myself on dispute sight Now the companies are deniding credt information that was posted and given
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Student loan

They took a payment when I was on a forbearance. I have been trying to get the payment returned and a letter for my bank due to the bounce check charges it caused since. I was told 26 business days, after that I was told they would escalate, a month later I called again and was told it was escalated but nothing has been done but its not closed and they don't have a time frame. They should not have taken the money to begin with, have agreed they should not and that they will return it but still have not done so. I would like the refund and a letter stating it was taken from my bank in error. I did attached a screen shot of the email telling me about the forbearance but they have since changed systems and I no longer have access to the actual letter since it was in the old system
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now and I feel like nothings being done, I sent you my first letter on XX/XX/2021 but to this day your inaccurate reporting still affects my credit nor I get a response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will seek legal action due to all the troubles you caused me. My information was impacted by XXXX  data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries that I do not recognize or have authorized. 

XXXX XXXX XXXX XX/XX/XXXX Chrysler Capital on XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't understand why only Equifax report this account XXXX XXXX XXXX as late when in fact it is not paid late, the account is current not 120 days late since XX/XX/2017 ... Equifax did not give me evidence or verification as to why they will not reverse the late payments. I was not late on the month it shows on the report, I have receipts to prove this. CFPB please step up and fix this ASAP please
Product: Debt collection

We took possession of our current residence in XXXX of 2011. Since moving in, we have received account notices and debt collection notices for the previous owner from PNC bank. We have put the letters back in the mail marked return to sender, we have contacted PNC bank, they just make more work for us. There seems to be no way to tell them to stop sending his mail here... and there seems to be no consequences for them continuing to send us his mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have recently got my credit report and notice some inquires that i do not recall, and there are errors in multiple accounts, i would like these inquires removed asap, i have certified mailed all the documents and my credit reports to transunion XXXX and XXXX,
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 - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$2600.00}
Product: Student loan

I agreed and did pay {$180.00} Monthly to a company named Ameritech Financial who told me they dealt directly with who held my student loan at the time. Over a period of time my loan was bought and sold a few times and I had a hard time keeping track of the company who had it, the balance and other things. I noticed every time my loan was moved Ameritech would contact me an RE-establish a commitment for me to pay them an amount of money based on my monthly loan charges.They convinced me that they would get the loan company to lower the monthly rate and that they would make the payment on my account through their services. I checked my credit recently and see that I had negative activity on my account multiple times with the same vendor. I contacted the vendor who was the owner of the loan ( whos name I cant remember at this time ) and was told my account was not current/up to date and that AMERITECH had not been making any payments on my student loan Account for as long as i Have been paying them. The company told me that Ameritechs brand/style of business is to purposely let the account become delinquent. I then cancelled all electronic automatic debits that I agreed to let them take from my account monthly.
Product: Credit card

In XXXX XXXX  I opened a Discover card to use the balance transfer offer. I had an available balance of {$10000.00} to use. I paid two creditors {$4700.00} to XXXX  on XX/XX/XXXX  and {$4900.00} to XXXX on XX/XX/23. The balance amount of {$9900.00} was posted to my Discover account right after the balance transfers were made. Weeks went by and both XXXX and XXXX never received the funds. On XX/XX/XXXX  I called both of those creditors and both stated that they had not received the transfers from Discover. Both creditors advised that I pay my upcoming payments in case the funds didnt post. I waited a week then called Discover on XX/XX/23 to inquire about the balance transfer, since nothing had changed. An employee told me he would have to submit two disputes for those balance transfers and that I would get an answer within 10 days. I called today XX/XX/XXXX  to ask for an update and they were not able to give me one. The status of the transfer to XXXX now says unable to transfer, while the one to XXXX says payment sent. I currently have had to make payments to Discover as well as to the two creditors that I had intended to pay off, even though both transfers are nowhere to be found by any creditor. My credit score has now gone down by XXXX points, and I owe money to all three creditors. Discover has not given a useful update and is not able to provide any additional information about where the money is, yet they still are still posting the balances.