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

I have tried contacting XXXX XXXX but no one answers the phone or call back. I tried sending letters requesting information. The letters are returned but I use the address on the website. I am requesting a copy of a XXXX for a XXXX XXXX XXXX XXXX for XXXX or XXXX. I never received a copy. 

The information you reporting to the credit bureaus are inaccurate. I am not sure how the credit bureaus are verifying information from you when I can't even get ahold of any one from the company. 

I do not any account information. Please use my name to find the info you need.
Product: Credit card or prepaid card

I have been reaching out to Capital One about several credit cards that have been opened in my name with either a different social security number, date of birth, or address. I have disputed the accounts based on finding out the credit cards were opened in my name. Capital One refuses to remove the accounts and now I can't get any credit with them because they say I had bad credit history with them which is not true.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX
Product: Bank account or service

I discovered a check I wrote to pay a bill, never was received by the person it was sent to and that whoever stole it, wrote their name in above the payee and cashed or deposited it. My bank can see it was obviously altered and have sent it to the other bank as a fraudulent item, but they are not giving me " provisional credit '', even though their customer service has told me that their policy is to receive a credit within 7-10 business days. Today is the XXXX business day since I reported it. This is a business checking account with Umpqua Bank. I have called several times and no one can explain to me why I have n't received a credit. Only that it can take up to 90 days for them to get money back from XXXX XXXX XXXX who processed the fraudulent check. The check is # XXXX for {$1700.00} written to my XXXX, XXXX XXXX.
Product: Debt collection

Re : Follow-Up Complaint Regarding Jefferson Capital Systems , LLC To Whom It May Concern, I am submitting this follow-up complaint regarding Jefferson Capital Systems , LLC for inaccurate reporting of a debt on my credit report, resulting in significant damage to my financial reputation and credit score. While I appreciate that Jefferson Capital Systems has terminated collection efforts and requested deletion of the tradeline, this error has caused me quantifiable financial and emotional harm.

Basis for My Claim for Monetary Damages : 1. Reporting Inaccurate Information : Jefferson Capital Systems , LLC unlawfully reported a debt that they have now admitted to be invalid, as evidenced by their response stating they terminated collection and requested deletion.

2. Impact on My Credit Report : The inaccurate tradeline caused a significant decrease in my credit score, leading to : Denial of credit opportunities. 
Higher interest rates on existing or new financial obligations. 
Emotional distress and time spent disputing this inaccurate information.

3. Negligence and FCRA Violation : Under the Fair Credit Reporting Act ( FCRA ), creditors and collection agencies are required to ensure accurate reporting. The failure to validate the debt before reporting it constitutes negligence, and I believe I am entitled to monetary compensation for damages resulting from this unlawful action.

Relief Sought : I am requesting Jefferson Capital Systems , LLC compensate me for the financial and emotional damages caused by this inaccurate reporting, in the amount of {$10000.00}. This amount reflects the harm to my creditworthiness, my financial opportunities, and the emotional stress incurred. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter further and assist me in securing fair compensation from Jefferson Capital Systems , LLC for their error and negligence. 

Thank you for your time and attention to this matter. Please let me know if additional documentation or clarification is needed to support my claim.
Product: Debt collection

Around XX/XX/XXXX I opened a credit account with the Army & Force Exchange Service ( XXXX XXXX XXXX ). The account was initially in good standing but was eventually charged off. Of course I was aware of the debt but was unable to pay due to my financial circumstances. I never received any debt collection notices from AAFES. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX veteran and I receive benefits from the VA and social security benefits. When I began receiving social security XXXX benefits in XX/XX/XXXX, AAFES began garnishing {$140.00} a month from my pay and never sent me any notice or statement. I had to contact them to receive a statement. Since XX/XX/XXXX, I have not received any correspondence from AAFES. According to the only statement I received my initial balance was {$2700.00}. Between the date of the initial balance and XX/XX/XXXX AAFES has charged me close to {$3300.00} in interest charges. 
I contacted AAFES to attempt to settle this account on XX/XX/XXXX and was told by the representative to email back on XX/XX/XXXX to see what can be offered. I explained the desperate situation I was in with my family and finances and that it was urgent that this account be settled. I waited as instructed and then was told by the initial representative and a member of management that they will not offer a settlement on my account because they are receiving treasury offset payments ( that guarantees collection of the total balance ). As stated previously, I am a XXXX veteran on a fixed income and the unfair collection of this debt is creating a hardship on me and my family. It is also absurd to be collecting over {$3000.00} interest charges which will continue to accrue while collecting my treasury payments. I made several attempts to contact this company and they refused any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have purchase my vehicle back in XX/XX/XXXX. End of XX/XX/XXXX I tried to get a refinance with my vehicle an I have been denied due to capital one not reporting my payment history from XX/XX/XXXX to XX/XX/XXXX. This has affected me from getting my refinance. Filed a Dispute with them once got a completion an no fix. Tried another Dispute was put down for completion again with no fix. Im sick an tired of getting pulled around with a issue that has nothing to do with me. Its affecting my life because of them. What can I do to fix that ASAP
Product: Debt collection

account is stating inaccurate reporting account open as XX/XX/XXXX with Account type as OPEN, I XXXX detail as COLLECTION and Account status as DEROGATORY with a {$410.00} and XXXX late. Yet, Reporting date last payment as XX/XX/XXXX while payment history is reporting payments all the way from XX/XX/XXXX to XX/XX/XXXX being OK as agreed. This makes no sense with date last payment. There is no way account can be all of the above at the same time. Now, there is no possible way that account was first reporting date of last payment way before account was even open. Account is currently reporting OK as agree all the way from XX/XX/XXXX to XX/XX/XXXX with charge off XX/XX/XXXX still reporting account being opened with comments of collection account with the same balance of {$410.00} there is no way that account can still be reporting payments up to XX/XX/XXXX and balance continues being the same. if information was to be right there should be no balance at this point.
Product: Debt collection

I have written to the company a total of 4 times. I have stated I had no acknowledgment of these account ( s ) and was asking for documentation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my physical signature. If they have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by not complying with what is being asked. Midland has also tried to reword my dispute. I disputed the account as " not mine '' and in response they said I disputed " incorrect balance. '' That is not what was disputed. The accounts as a whole are being in question. Please rectify these accounts as for this company has prolonged this for months!
Product: Credit card

My statement just cycled and it is not reflecting the Federal Reserve interest rate decrease that occurred last month as my APR prior to the Federal Reserve interest rate decrease was 29.99 % and since the statement just cycled it should be reflecting 29.49 % and it isn't therefore I called Barclays and they said that I would receive a letter indicating any reduction and I explained to the representative that I don't receive any letters from any card issuers about Federal Reserve interest rate decreasing on account it just gets adjusted properly on the account but the representative wanted to argue with me about on the phone so I have now CLOSED THE ACCOUNT and they lost me as a customer!!
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 XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through Navients predecessor, XXXX XXXX, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XX/XX/XXXX. My loan was taken out in XXXX with XXXX XXXX and had a low score. The loan had 7 months of delinquent payments prior to XX/XX/XXXX. Navient haven't sent me a notice regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Names : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Collecons : 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 Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Collecons : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Collecons : 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 or other personal consumer reports

This is my formal complaint to EXPERIAN. I am seeking the correction of inaccurate and fraudulent accounts in my credit reports to accurately reflect the correct information. I assert that the accounts in question were made on erroneous and unverified. In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant accounts. The portrayal of inaccurate and fraudulent accounts in my credit report are deemed violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this information.
Product: Debt collection

I have been disputing with a collection agency by the name of Eastern Account System that has reported a bill to the credit reports that is inaccurate. The company was contacted numerous times in writing and by telephone. I have certified letters that were sent to the company dating XX/XX/2019, XXXX  2019, and my third letter will go out tomorrow as that will be another 30 days the company has refused to reply. 

In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Eastern Account System. 

Also, I had informed them that any negative marks found on my credit report XXXX from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if Eastern Account System can not validate the debt, they must request that all crediting reporting agencies delete the entry. 

Again, they have not sent any evidence nor have they responded to any of my letters.
Product: Debt collection

I received a bill in the mail from Phoenix Financial, current creditor XXXX XXXX XXXX XXXX XXXX. for a medical service from XX/XX/2018. I went to an emergency room in  XXXX, VA for a XXXX XXXX due to a XXXX XXXX. I received a bill from the hospital, and I paid it in full. Now, two years later, I receive this bill. I called and spoke with a man who said lots of people have been complaining about the same issue. The issue is that the doctor or doctors that worked at that hospital decided to bill for some sort of service WITHOUT sending a bill. They just made up a bill, and sent it to either Phoenix or   XXXX for collection. If I had received a bill in a timely manner, I would have paid it, or worked out something with my insurance. The man offered me a discount if I paid up immediately. He also said that they couldn't go back that far to have any insurance adjustment made. 
Once I mentioned that I may have to take this up with my attorney, which I fully intend to do, the man became unsure of himself, as if he had to now speak to me " off the script. '' His last words to me were, and I quote, " I will file it correctly. Have a nice day. '' So, whatever this was about now was not even filed correctly! 
I spoke to XXXX at the Ohio Attorney General 's office, who told me to contact ConsumerFinace.gov to file a complaint.
Product: Checking or savings account

I have just recently noticed that my email account had charges posted then erased idk who would have my email account password tho and I'm apparently missing XXXX that seems to have vanished I cant trace it other than my mailed bank statements which happen to say something about online game idk what game exactly but somehow it was used online alot
Product: Debt collection

I asked them to stop writing me about a debt I am not liable for.
Product: Credit card or prepaid card

XXXX XXXX XXXX fraudently charged me {$5000.00} for legal services not rendered. I raised the complaint with American Express and AmEx refused to assist me.
Product: Credit card or prepaid card

Dear CFPB : Please accept and investigate my ongoing dispute for a {$400.00} erroneously debited from my prepaid account stemming from a failed ATM withdrawal transaction occurred on XX/XX/20 in XXXX convenience store located at XXXX XXXX, XXXX TX. 

Please find the attached documents including a failed receipt transaction submitted XX/XX/20, again on XX/XX/20 and on XX/XX/20 to American Express BlueBird proving that I had received {$0.00} cash except for a receipt showing that the transaction had been failed. As of today, I did NOT receive any proof or receipt from the ATM Operator that any cash had been dispensed as it should have, or any proof such as video footage as to whether any cash had been dispensed from the machine. Although I did return to the store to dispute a failed transaction, I did NOT, however, get a refund or support for a resolution. I hereby attest that the ATM did NOT dispense any cash as requested, and therefore, my prepaid account should have received a credit for a {$400.00} that had been previously debited in error. As the ATM machine could be faulty or potentially been compromised, I truly regret to use an ATM machine there where not located in a bank or not operated by a bank As the store or by the ATM machine has a camera, I hereby ask that the store and/or the ATM operator will review and provide footage of the related incidence in dispute. I'd appreciate a prompt and fair investigation and resolution to the matter. Meantime, I respectfully ask for a provisional credit of {$400.00} to my Bluebird account while waiting for additional proof and resolution. Thank you XXXX XXXX
Product: Student loan

So, I was told my loan would be taken care of by this company ameritech financial, I was paying them faithfully. They always wanted me to send them copies of things and I never understood why. This was going on for years actually I believe and then I get an email saying fraud? I need to get to the bottom of this and hopefully get my money back and figure my loans out. I paid alot for school and to have to restart will be devastating.. please help!!!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I received a letter stating I owe a debt. I sent a dispute letter as the debt is not mine as i have no knowledge of the debt, I do not owe the debt or have any responsibility for it. In the letter I requested the following. XXXX. **Verification of the Debt** : Documentation confirming the debt 's validity and a detailed explanation as to why I am legally obligated to pay the current creditor. This should include a copy of any agreement I purportedly signed, agreeing to the terms of the debt. 
2. **Original Contract** : A copy of the original contract or agreement, including terms and conditions, applicable fees, interest rates, and any " wet '' ( original ) signatures. 
3. **Payment History** : A complete payment history for this account, including any payments made to the original creditor, to verify the accuracy of the amount claimed. 
4. **Itemized Account Information** : Detailed account statements from the last XXXX balance to the present, outlining all transactions, interest charges, late fees, or other charges that have been applied. 
5. **Proof of Ownership** : Documentation proving Portfolio Recovery Associates XXXX XXXX or legal acquisition of the debt, including the purchase agreement. 

they are making false statements, and request this issue to resolved.