23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In a response on XX/XX/year> to a complaint about an illegal lawsuit the company agreed to contact their attorney and cancel the suit. 10 days later no paperwork has been filed with the court supporting this and the hearing is still scheduled for XX/XX/year>. 

The attorneys for ford motor credit company have typically electronically filed documents which typically are approved by the court within 24 hrs. 

It appears the agreed upon and documented first steps in resolving this matter ( canceling the lawsuit action ) have not taken place in a reasonable amount of time, especially with the court date quickly approaching. 

This has delayed my defense actions unreasonably and causes me to continue to incur costs associated with the defense. 

This information can be referenced from complaint id XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed off letters to transunion disputing a few things and they send back a letter that is actually illegal according to a fcra lawyer. I am attaching copies of that letter a long with the letter I sent to transunion that they claim looks like it didn't come from me. The letter they sent to me was dated XX/XX/2022 so that means they have until XX/XX/2022 to investigate or delete it this is a law. I am a consumer and the law states I have the right to dispute anything on my credit report and transunion has to investigate it. Enough with the games, what is it going to take to make them do their job? Again if this is not investigated and completed by XX/XX/2022 then again by law it has to be removed. The first letter is the illegal letter transunion sent me and the second letter is the letter I sent transunion
Product: Debt collection

I am filing a formal complaint regarding an inaccurate account reported on my credit file by Portfolio Recovery Associates , LLC. I have never had a contractual agreement with this company. It appears that the original creditor, XXXXXXXX XXXX, transferred or sold my account without providing proper notification. 

This failure to notify me constitutes a violation of Fair Credit Reporting Act ( FCRA ) Section 611, which ensures the accuracy and fairness of information reported on consumer credit files.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I moved recently to my new house and was trying to transfer my previous apartment on a sub-lease. I posted vacant apartment advertisement on wXXXX email XXXX phone XXXX. 
I received XXXX offers for rentals, first one by a man from XXXX who was moving to Washington DC, in chain of emails he sent me a check from his company, which never arrived and later on contact I never heard from him back. 
Few days later another man with name XXXX XXXX XXXX Phone XXXX, email XXXX XXXX emailed me a check of first months rent and deposit amount total {$XXXX}. Instead of this amount he sent me {XXXX} check XXXX. XXXX, which I deposited in my account, and following day it went through, and amount came in account. He then asked me to return his extra amount as his company included his moving expenses in the final check. In a written e mail he provided me Bank of America account with routing number for the transfer. Which I did following day. 
Today XXXX/XXXX/2021 when checked my account I saw an over-draft fee on my account by the Bank, that meant that the check that he had sent me via email bounced back, it did not go through while the amount I transferred to the account he provided, it went through. ( See attached print out of the email with account information. 
I spoke with Bank of America and reported a financial fraud and scam. Bank of America gave me fraud claim tracking number XXXX. 
In this scam I am victim of financial fraud and I have suffered losses of {XXXX}. 
I want this case to be investigated. 
I also want to report the other person who was trying to use similar methods of fraud from XXXX. I am providing his emails that shows people like them are out doing frauds with innocent people like me. Their modes operandi is same. 

Applicant
Product: Debt collection

Someone opened an account with my social I didn't have any knowledge of this account. I am asking that it be deleted.
Product: Credit card or prepaid card

Wrong address. No activity. Asked for a card. Interest building? Credit card default.
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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. 
I HAVE NOT SUPPLIED PROOF UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS ud PURSUANT TO 18 USC 8 , L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO -15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814.
Product: Checking or savings account

Account was overdrawn and I cant sign in to see the dates
Product: Credit reporting

In XX/XX/XXXX I filed a Chapter XXXX XXXX Bankruptcy. I completed the plan and in XX/XX/XXXX it was discharged. Seven years have passed since I filed the Chapter XXXX XXXX Bankruptcy which is the statute of limitations for reporting a Chapter XXXX XXXX Bankruptcy as public record. I have repeatedly asked Equifax to remove this information from my credit report. They have reported to me and the CFPB repeatedly that they have, yet as the attached document shows they continue to report it.
Product: Mortgage

Freedom Mortgage sent a pay-off statement to the Escrow ( refi ). The pay-off included a late fee charge of {$150.00}. I disputed the amount and Escrow mentioned that companies " usually '' add this and reimburse at the close. The Pay off was sent to Freedom on XX/XX/XXXX. When we received our full statement from Freedom XXXX XX/XX/20 XXXX, the document did not indicate any line item to reimburse the late fee. I called Freedom twice and agents just told me that they " do not '' see any charge for the unpaid fee. I have tried asking Escrow to reach Freedom for an explanation. My ask was to receive a full line by line accounting of what was charged and reimbursed. Since we were not late in the payment- where did the {$150.00} charge end up?
Product: Checking or savings account

On XX/XX/XXXX I filed a dispute totaling $ XXXXfor charges that weren't mine. 3 days later I received an email stating that the dispute was denied and with absolutely no reasoning. I contacted customer service and asked why the claim was denied and the lady couldn't tell me because there was no reasoning provided. Chime claims that they put in a rebuttal for that claim and the very next day I received another email stating that the rebuttal was denied as well with no reasoning! Again XXXX  XX/XX/XXXX I received an email stating my card was denied and I didn't know why because I didn't try to use it! I went onto my chime account to see once again the same company drained my chime account! So XXXX contacted customer service again and spoke to someone who claimed she was a supervisor, she told me she filed another rebuttal for the first claim I filed that was {$2200.00} and another claim for the newer charges totaling {$1000.00}! This is twice now my account has been freaking drained and I am left with absolutely no money nor can I get a straight answer from these people.
Product: Debt collection

Subject : Formal Complaint against JEFFERSON CAPITAL SYSTEMS LLC Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against JEFFERSON CAPITAL SYSTEMS LLC for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that JEFFERSON CAPITAL SYSTEMS LLC placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt.

I hereby declare my revocation of all communication channels with JEFFERSON CAPITAL SYSTEMS LLC, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that [ Debt Collector ) provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If JEFFERSON CAPITAL SYSTEMS LLC is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

The date on my consumer report indicating that I opened an account with JEFFERSON CAPITAL SYSTEMS LLC is blatantly false. I neither received any services or products from JEFFERSON CAPITAL SYSTEMS LLC nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights.

Moreover, it has come to my attention that JEFFERSON CAPITAL SYSTEMS LLC is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.

The actions of JEFFERSON CAPITAL SYSTEMS LLC constitute clear violations of XXXX XXXX XXXX ( d ), XXXX XXXX XXXX ( c ) ( XXXX ) ( i ), XXXX XXXX XXXX ( b ) ( XXXX ), and XXXX XXXX XXXX XXXX ( XXXX ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 

Please keep me informed about the progress of this complaint, and I appreciate your attention.
Product: Debt collection

LVNV Funding LLC Address : XXXX, SC XXXX Phone # XXXX XXXX  XXXX XXXX  XX/XX/year> This company is breaking the law by failing to provide proper validation details as required under 12 CFR1006.34 ( b ) ( 5 ). Despite this, theyve added a collection to my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear XXXX, I am writing to dispute an unauthorized inquiry that appears on my credit report. I noticed the inquiry while reviewing my credit, having proof that my information was involved in a data leak, I know that these inquiries were made without my permission or proper authorization. 

The inquiries in question are as follows XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX. 
XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORT ACT XXXX ACCOUNT # XXXXXXXX XXXX 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 SETION 602 A. STATES I HAVE THE RIGTH TO PRIVACY 15 U.S.C. 1681 SECTION 2 : IT ALSO STATE A1 CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUN WITHOUT MY WRITTEN INTRUCTIONS
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Debt Collection Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Company Complained About : XXXX XXXX XXXX XXXX Complaint Details : I am submitting this complaint against XXXX XXXX XXXX XXXX for attempting to collect a debt that I do not recognize and have no legal obligation to pay. I have never entered into any contract or agreement with this company, and they have failed to provide sufficient validation of the alleged debt despite multiple attempts on my part to request this information. 

I have contacted XXXX XXXX XXXX XXXX several times, requesting validation of the debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, they have not provided any documentation proving that I owe this debt or that they have the legal authority to collect it. Instead, they continue their collection attempts without proper verification, which is a violation of my consumer rights. 

I am requesting that the CFPB investigate XXXX XXXX XXXX XXXX for their failure to comply with debt validation requirements and ensure that they cease all collection activities related to this unauthorized debt. Additionally, I would like all negative reporting regarding this alleged debt removed from any credit reporting agencies if applicable. 

Requested Resolution : XXXX XXXX XXXX XXXX must provide proper validation of the debt, including original creditor details and proof of my obligation to pay. 
If they can not validate the debt, they must immediately cease all collection efforts. 
If this debt has been reported to any credit bureaus, it should be removed immediately. 
I appreciate the CFPBs assistance in resolving this matter. Please confirm receipt of this complaint and inform me of any next steps in the investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent lexis nexis a dispute letter in XXXX and according to USPS they received it XX/XX/2021. 30 days have elapsed and still no reponse!
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX {$780.00} XXXX XXXX XXXXXXXX XXXX XXXX {$6300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX {$600.00} XXXX - XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} INQ : XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting

I have been trying to get a copy of my credit report from equifax for months. I tried annual credit report.com no such luck it told me I did n't answer the questions correctly. Which tells me something is on it that should n't be because the questions were about mortgages and I do n't have a mortgage. I have called them. Did n't get anyone that I could understand and I sent in a form and got it back telling me I did n't send ID and attached to the form is a copy of my ID. I tried to sign up for the plan at equifax.com and get it online. no such luck. I 've also tried for several weeks to get the pin number to remove the freeze from several years ago. No such luck there either. I keep getting the run around.
Product: Money transfer, virtual currency, or money service

This problem is with Coinbase, LLC ( www.coinbase.com ) On  XXXX   XXXX ,  2017 i trie d to transfer  XXXX    XXXX    from my Vault on their system, the transaction was not working and was stuck in a " Approval needed status, so i cancelled the transaction and recieved a confirmation the transaction was cancelled, however the amount was still subtracted from my balance putting me into a negative balance situation.     I Immediatly opened a case with coinbase support and have asked for updates daily since then with absolutely NO response from them and the account is still in a negitive balance situation.     i Hereby request that the  XXXX  transaction be removed since it was cancelled and should not be showing on my account.
Product: Bank account or service

I called TD Bank and asked how much it would be to protest a check tat their customer wrote since he has refused to come into pay for it. After keeping me on hold for over fifteen minutes they informed me that they do not protest checks. In New York we need to protest a check before we can go to the police to try to recoup our loss
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First off your a bunch of lousy discriminating XXXX XXXX Now say you can't handle this one Equifax and XXXX are falsely reporting that my car is delinquent with a balance of XXXX. I paid my car off nearly 2 years ago. I have forwarded documentation and the dealership as well a 2nd time. I have been penalized for their deliberation neglect I filed a dispute over a month ago and they refuse to correct my report
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was paid in full and never late. For Apple CardXXXX Bank XXXX XXXX XX/XX/ 2020 amount {$770.00} and XX/XX/2020 amount {$780.00} was never late and the status of my account is reporting 60 days late, incorrectly!
Product: Debt collection

My wife was in an apartment at XXXX XXXX and i had signed for the apartment so she could have a place to stay and she apparently left the lease early and now it has affected me This was in XXXX and it is over 7 years old and i would like this removed from my credit report
Product: Credit card or prepaid card

Capital One took over the credit card program for Cabela 's in XX/XX/2018. They changed my account number and my due date before sending me a new card, which meant I was unable to access my account to pay on time. They then charged me a late payment fee and interest, removed the interest grace period and then started charging residual interest even when my account was paid in full. I have never had a late payment on this card until Capital One took over. It was Capital One 's poor handling of the transition that caused the late fees and interest, and when trying to remedy with Capital One, they were rude and condescending on top of it all.
Product: Student loan

Firstmark, the servicer of my student loan, is showing my balance about {$5000.00} over what it should be. I have contacted them numerous times both via email and telephone regarding this. On the telephone I keep getting told that this will be corrected. Over email I keep being told they need 5 business days. The have arbitrarily and erroneously decided to add money to my balance and refuse to fix it. This is also a zero interest payment so when they do decide to stop breaking the law, they need to make sure that my payments have been applied properly. My credit score went down because of this added debt. This is absolutely ludicrous and I need this fixed.
Product: Checking or savings account

2 separate deposits made into my SAVINGS account at a Chase ATM at XXXX XXXX XXXX XXXX, XXXX, TX XXXX at XXXX on Saturday XX/XX/23. First deposit read {$1300.00} and second deposit read {$1700.00}. There was a total of {$4500.00} in crisp {$100.00} bills. I have contacted the bank and they have escalated the case. Claim number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been loyal card holder with TD Bank/Target services since 2016, never missing a payment and enjoying the card provided to me. At the beginning of the Pandemic of Covid 19. I was having a issue with payment problem with my Target Card. From there I called in to their customer representative services to get the problem resolved as my credit is very important to me. I was advised a resolution to my problem by putting my account on automatic payment as the representative did. This year as I am in the mix of trying to get a new mortgage I pulled my credit report and was shocked to see my payment history with that account had changed which I was never late on. I am deeply concerned as this has hindered my ability to obtain the credit needed to progress forward in my life. As I am loyal and grateful customer of TD Bank/Target I hope we can get this issue resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking you to open an investigation against the Experian credit company for having a wrong private information, this information has been publicly shared for more than a year, creating serious financial problems of reputation and prestige to me. 
Experian is putting in the credit system that I have an account with " XXXX '' # XXXX and that account is in delinquency. 
The listed item is entirely inaccurate and incomplete and represents a very serious error in my reporting. 
That account is from 2017 and I pay it in full, I have all the original documents, I give them a copy of them, and there is no record of that debt. 
Experian has never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. 
Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information. 
Experian is committing a violation by 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act