23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I had a XXXX account in XXXX, XXXX that I closed because I was moving out of state ( to XXXX ). I took all of the equipment less than a week prior to me moving, to the local branch that I normally dealt with and paid them in full so it would be one less thing for me to worry about, this was XXXX 2012. I never once received any correspondence indicating there was an issue until XX/XX/XXXX when it mysteriously showed up on my credit report as not being paid. I contacted them directly and they investigated and wanted me to fax them a receipt, however I told them I did n't have it anymore since it had been over 2 1/2 years and if there had been any problems with it, I should have been notified long before 2 1/2 years and it also should not have been put on my credit report without notifying me first. The XXXX representatives I discussed it with agreed with me, however they said there was nothing further that could be done beside talk to their collections department. I spoke to them and all they wanted to do was discuss payment arrangements which I explained I was not interested in because the bill had already been paid once and I had no interest nor was it fair for me to have to pay it twice. I also filed several disputes with Equifax because XXXX kept reporting it as an active debt, however XXXX currently shows it as a closed account. I explained this to Equifax in my dispute that if XXXX has it closed that they should be reporting the same. In fact, Equifax removed it but then added it back which I did n't understand, but they continue to say after each dispute I make ( I 've made at least XXXX ), that the debt is valid, however it is not and it is hurting my credit and I need it removed.
Product: Credit card or prepaid card

Good morning, I applied to the Chase XXXX XXXX Membership Credit Card XX/XX/XXXX around XXXX. The reason for applying is because i was booking a stay at XXXX XXXX XXXX for an event on XX/XX/XXXX. While i was on the check out page, to the right side under " total charge for room '' right under that, was a second box with bold " Earn {$300.00} in XXXX XXXX, plus XXXX Bonus Points '' and then it has this : Price For Stay : {$1100.00} XXXX credit : - {$300.00} Total After XXXX credit : {$840.00} XXXX applied and got approved for {$18000.00}. I call Chase to see how I can use this specific card for my Hotel Stay as advertised and I am told that I can not use it until it arrives. I am okay with that, I call chase again the next day to expedite the card as customer service suggested. When I call, the credit specialist tells me that the soonest they can ship it is in 7-10 business days. I can't wait 7-10 business days because my event is in 2 days. The advertisement is misleading, telling consumers that they will be able to use that credit card toward their CURRENT purchase. I don't stay at XXXX, I would have NEVER applied to this Credit Card if it was not for me being able to use it on THIS hotel stay as they advertise. Now I am stuck with a XXXX Credit Card that I will not be using.
Product: Credit reporting or other personal consumer reports

I TOOK THE LOAN FROM THE CREDIT UNION IN XXXX  OVER 9YRS AGO AND THEY AUTOMATIC ADD REPAYMENT INSURANCE ON IT SO WHEN I STARTED PAYING THE LOAN I FELL SICK AND CAN NOT GOING TO WORK SO MY INCOME STOPS AND I CONTACT THEM ABOUT THE SITUATION AND I WANT THE INSURANCE TO CONTINUE THE PAYMENT AND THE COMPANY SAID THE INSURANCE CAN NOT PAY AND I TOLD THEM THE PURPOSE OF THIS INSURANCE IS WHEN THINGS LIKE THESE HAPPENING THEN IT TOOK OVER AND THEY SAID NO SO I CALLED THE INSURANCE COMPANY ABOUT IT AND THEY MADE THREE WAYS CALL BETWEEN ME AND CREDIT UNION AND THE INSURANCE COMPANY SAID I AM RIGHT SO THE CREDIT UNION SHOULD LEAVE ME ALONE AND CONTINUE WHERE I STOP AND WE ALL AGREE SO 3DAYS LATER THE CREDIT UNION CALL ME AND SAID THEY ARE GOING TO REFUND ALL THE PAYMENT I MADE FOR THE INSURANCE COVERAGE AND REPORT ME TO THE CREDIT BERAU WHICH THEY DID AND I TRY TO DISPUTE IT AND IT ALWAYS COME BACK AND IS STILL SITTING ON MY PROFILE FOR ALL THE CREDIT REPORT AGENCY LIKE XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please see attached docuasments. Do not close this complaint stating it is not me. I am a natural person and a consusfamer.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Complaint Regarding Collection Agencies Failing to Provide Written Notice of Debt and Dispute Rights Dear CFPB, I am filing a formal complaint against Jefferson Capital Systems for failing to provide me with the legally required written notice informing me of my right to dispute a debt, in violation of the Fair Debt Collection Practices Act ( FDCPA ).

According to the FDCPA, debt collectors must provide written notice of the debt within five days of their initial communication, including details on how to dispute the debt. However, I have received collection attempts from Jefferson Capital Systems, regarding XXXX {$1700.00} but they have not sent me any written validation notice outlining my rights. 

I have repeatedly requested verification of these debts, yet they continue to be reported on my credit report without proper validation. Since these collection agencies have failed to comply with federal regulations, I am requesting that these accounts be removed from my credit reports with XXXX, XXXX and XXXX. 

I request that the CFPB investigate this matter and take appropriate action against these agencies for failing to uphold their legal obligations.
Product: Credit reporting or other personal consumer reports

I made a payment to Kohls. Always pay full balance. Per my bank ( when looking at back of check ) Kohls cashed it but assigned it to the wrong account. My correct account number was typed on the front of check. It was cashed and posted before payment was due. I sent a copy of the front and back to the address they provided. They still whacked my credit score and sent another letter about them being unable to research payments sent through your banks online XXXX XXXX service. Please help. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Portfolio Recovery -Calls approximately 5 times per week -Calls from multiple numbers ( more than XXXX different numbers ) -Calls from XXXX numbers AND local state numbers -Calls starting at XXXX am and throughout the evening ( typically morning and afternoon ) -Does not leave messages -Does send paperwork to residence I have received phone calls from this company for more than 6 months, up to XXXX whole year. They call from multiple numbers, at least daily. When I go to block a number, I see each number has called me frequent times over the course of the year, but each number is different throughout the week. I have received physical paperwork from this company, so when I go to contact them regarding the debt, I will have a point of contact to call. However, I had to tell them to stop calling me because they call ALL THE TIME and never leave a message for me to contact them. While I understand they are collecting a debt that I owe, there is no reason for them to call me near daily and disrupt either my sleep or work. I keep my phone on silent just so they do not disturb me during work hours or while I am resting before work. It is a shame because I keep my phone available in the event of an emergency and tend to miss important phone calls throughout the day. 

XXXX ... .. XXXX ... .. XXXX ... .. XXXX XXXX ... .. XXXX ... .. XXXX ... .. XXXX XXXX ... .. XXXX ... .. XXXX ... .. XXXX XXXX ... .. XXXX ... .. XXXX ... .. XXXX ( These are only a few of the numbers they have called from in the past XXXX months )
Product: Credit reporting or other personal consumer reports

They keep stalling my credit letters i send to them, this is the second time and it is really pushing me back from getting approved for anything due to all inaccuracies on my credit report!!!
Product: Vehicle loan or lease

I had a lease with GM Financial from XX/XX/XXXX until XX/XX/XXXX. I made every payment on time with auto pay and never had any issues. I returned the vehicle to the dealership in XXXX of XXXX and double checked GM Financial 's website to ensure that my last payment had been made. I regularly check my XXXX credit score through a couple of apps and everything was normal just recently, my score dipped from XXXX to XXXX unexpectedly. It showed that I had a missed payment, but for the life of me I couldn't fathom what had been missed. I got in touch with a friend who told me about XXXX XXXX XXXX and later this website ) as a way of tracking my credit more directly and getting some answers. It turns out that GM Financial had assessed me with end of lease fees in the amount of XXXX and never notified me. The dealership never said a word, and I had absolutely no idea that these fees were owed. Upon discovering this ( maybe 20 or 30 minutes ago ), XXXX, I immediately logged into the GM Financial website and paid the amount. I asked if they'd be able to help me out and remove this from my credit rating since I've never had any issues in the past and I was literally unaware of the fees, and they said that my only option was to contact the credit bureau 's directly and hope for the best. I'm happy to supply further information as needed, this whole experience has been frustrating, scary, and completely unexpected.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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.

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 ) ( a ) 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. I request delete the not authorized hard inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>
Product: Debt collection

I have received numerous - hundreds, if not thousands of calls from this company. I recently pulled a credit report and attempted to pay the debt. They refused to provide information and now they have told me they refuse to speak to me, or to provide information on resolving the debt unless i obtain a lawyer. I have attempted to send them payment to resolve the debt and they are refusing to provide information on the debt amount, and payment remittance address. The service reps have repeatedly been disrespectful, demeaning and down right rude. I requested a letter that they would remove the debt with payment in full, they refused and sent me to a website with generic information. The service rep - XXXX XXXX then stated " I dont really care about your debt of {$700.00} as much as my job and I will not help you with your problem anymore ''. Absurd tactics from this company.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft through Transunion and I am submitting a claim due to the Consumer Civil Penalty Fund. 

The Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act or Act ) establishes a Consumer Financial Civil Penalty Fund ( Civil Penalty Fund ) into which the Consumer Financial Protection Bureau ( Bureau ) must deposit any civil penalty it obtains against any person in any judicial or administrative action under Federal consumer financial laws. Under the Act, funds in the Civil Penalty Fund may be used for payments to the victims of activities for which civil penalties have been imposed under Federal consumer financial laws. In addition, to the extent that such victims can not be located or such payments are otherwise not practicable, the Bureau may use funds in the Civil Penalty Fund for the purpose of consumer education and financial literacy programs. This rule implements the relevant statutory provisions by articulating the Bureau 's interpretation of what kinds of payments to victims are appropriate and by establishing procedures for allocating funds for such payments to victims and for consumer education and financial literacy programs.

I have lost a lot during the years and have tried to fix this issue several times. I ask that I am put on the Civil Penalty Fund list for reimbursement for losses.

I have also been denied homes due to inaccuracies on my credit report. This has prevented me from being able to rent. I want to file an additional claim about the denial of renting due to these inaccuracies.

I ask that all collections and inaccuracies cease during the validation process.
Product: Debt collection

During a purchase at a gas station on XX/XX/year>, I was informed that my debit card was declined. After checking my account for transactions and balances, I learnt that my bank ( Webster Bank ) withdrew {$1000.00} from my account to offset a past due balance on my personal loan with them, which left a balance in my account of {$450.00}. I was completely surprised and thrown off guard. 

After contacting the bank to inquire about the withdrawal, I was that the withdrawal was made to offset the backed loan payments, I asked how they could justify making a withdrawal from my account that left a - {$450.00} balance in my account. They said when they look at accounts, they only pay attention to available balances and not pending transactions. Their actions severely affected my ability to meet my basic needs, without warning. While I do understand the agreement to offset, it is inhumane, in my opinion, to take money that a consumer does not actually have. They could take an amount without placing one 's livelihood at risk. 
the next day I called the bank again, because I was hit with a {$35.00} insufficient fund fee after they allowed a transaction to go through, knowing that no funds were available, and then told these fees would continue to happen until I balance out my account, which can not happen until my next pay period on XX/XX/XXXX. This is an unfair practice on the part of the bank. I am appalled that banks are allowed to do this and put people 's survival at risk, and I hope my complaint will help others who experience this same kind of mistreatment from banks.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later i have not recieved a repsonse yet. I feel like i'm being taken advantage of and being ignored of my disputes section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting 10 year old information and nothing current. Called them and they stated I had no negative reports. But I was denied increase of credit from XXXX due to their statements- did not pay as agreed. I have an XXXX to XXXX on XXXX and XXXX. The only employment Transunion had was from XXXX They told me XXXX XXXX XXXX pay for their information and XXXX does NOT. I have had two jobs since then 5 years at one and 7 at the other. My loans are at a different credit union and have been since XXXX If they are NOT going to give out correct information nor fix it when I call or write they have no business being a credit reporting company that their information is used to obtain correct reports. My credit person at Transunion could not understand what I was telling her. Asked for a supervisor and she refused. Asked for someone that English was their first language and she refused.
Product: Credit reporting or other personal consumer reports

I have inquiries on my transunion report that I didn't do 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I paid my mortgage below 78 % as of XX/XX/2019. It is my understanding that once below 78 % PMI should be removed automatically by the servicer. After my XX/XX/2019 payment still had PMI I called Guild Mortgage to ask why it had not been taken off. The representative said it is supposed to automatically be taken off, however, I need to request it be taken off in writing and it will take an additional 2 months after my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry # 1 : XXXX Inquiry from XX/XX/XXXX - I moved into a new apartment but I specifically told them not to do a hard inquiry on my account as I instead paid a deposit and gave automatic payment banking information which they said would be enough to avoid receiving an inquiry.

Inquiry # 2 XXXX Inquiry from XX/XX/XXXX - I do not recognize this and I was not doing any kind of activities at the time to warrant a hard inquiry.

Inquiry # 3 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.

Inquiry # 4 XXXX Inquiry from XX/XX/XXXX- I did not give any authorization for this inquiry and do not recognize it.

Inquiry # 5 XXXX  Inquiry fromXX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.
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 XXXX Account Name : XXXX : Account XXXX Account Name : XXXX/DOFED : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account XXXX : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 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, credit repair services, or other personal consumer reports

I submitted A dispute prior with all 3 consumer reporting agencies several times in regards to the " XXXX XXXX XXXX  XXXX '' that appears on my credit report with A balance of XXXX. All 3 consumer agencies updated the account with disputed but did not remove the account. When I received the updated report in the mail it had this account came back as " Verified ''. I then reached out to XXXX XXXX XXXX  card directly and they informed me they had not received the prior disputes from the consumer agencies. They then opened there own investigation and determined this account was NOT my account and in fact A fraud account. I am wondering how was all 3 consumer agencies able to " VERIFY '' an account that the company itself is saying is invalid and fraud? : I went onto the equifax website and could not submit documentation because it still says under investigation. However XXXX  and XXXX both say online that I am unable to dispute the information again due to the prior disputes. I have attached the letter I reached on XX/XX/20 from XXXX XXXX XXXX card advising and confirming that the account was fraud and did not belong to me. They also advised they will remove any reporting from all 3 consumer reporting agencies within 45 days. I should not have to wait on this company to reach out to remove this fraud account when I have submitted several disputes and the consumer agencies failed to properly veriy the account according to the FCRA. I am also requesting that all 3 consumer reporting agencies have my name listed correctly as XXXX XXXX as I have sent my drivers license and social several times to have my personal information updated. My last name is no longer XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/2020 and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting.