23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I signed up for 3 month XXXX membership to XXXXXXXX XXXX in XXXX XXXX in XX/XX/XXXX. Winter special they offered. 
I suspended membership in XX/XX/XXXX. 
They confirmed they have record of this. 

I was billed for continued membership in mid XXXX. When I called the office they said it was for continued membership. I informed they I will not be returning and this must be cancelled. I paid the {$50.00} in good faith. 

I got another bill for {$50.00} in XX/XX/XXXX to continue the membership and was informed my CC on file was not valid. 

I informed them by phone and followed up email that this was cancelled in mid XXXX and I did not renew in XXXX as I am not on that area. 

I called the location to complain about this and they said I renewed but I signed nothing. 

I just got a debt collection letter from First Credit Services saying I now owe {$190.00}?? 

I responded to the letter by email stating all of the above. 

I do not owe any funds as I informed them in mid XXXX when I paid them {$50.00} for something I did not owe at that time but understood possible conflicts in communications. Now this is starting again!! 

This is a scam. I did not sign up for any on going membership.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX are listing information in my report that is not mine. I have previously disputed this, but nothing was fixed and removed. I filed an Identity Theft Report with the FTC for the accounts listed below, and inquiries listed below, and want these erroneous accounts removed asap please due to the harm it is causing my credit reports and score and financial well being. 

Erroneous accounts needing to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires needing to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Info that needs to be deleted : Address XXXX XXXX XXXX XXXX, XXXX, UT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint is related to EXPERIAN Report Number XXXX, dated XX/XX/2018, in which EXPERIAN continues to erroneously claim that I own XXXX/XXXX XXXX   Account XXXX. Since I have never had any account with this bank, EXPERIAN 's " reinvestigation '' of my dispute clearly was cursory and negligent.
Product: Money transfer, virtual currency, or money service

I accidentally sent {$500.00} to the wrong person through Zelle, and unfortunately, there was no disclaimer at the time. Despite trying to contact the recipient, I was unable to recover my money. This happened at XX/XX/scrub>XXXX XXXX XXXX XXXX. I contacted XXXX XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted both Transunion and the company below regarding reporting Inquiries that I DID NOT AUTHORIZE. Transunion stated that I should reach out to the company which I did one company rep from XXXX XXXX XXXX ( Inquiry : XXXX. XXXXXXXX XXXX  ) stated that they didn't see any of my information regarding an inquiry and XXXXXXXX XXXX XXXX  ( Inquiry : XXXX. XXXX XXXX ) has no direct number to speak to someone using the number provided by Transunion. Ive tried numerous time to dispute the item and its coming back verified but I'm unable to get it verified when I'm calling the company and transunion to verify it myself which leaves me to believe that they aren't being properly verified. these inquiries are causing a major impact to my credit score and I will like them removed from my report Immediately
Product: Credit reporting or other personal consumer reports

they violated my rights as a consumer under XXXX and I need these items blocked and deleted off my credit report Account Self/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act USC 15 1681 section 602a states " there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy ''. My rights to privacy as per the Privacy Act of 1974 have been violated by JEFFERSON CAPITAL SYSTEMS subsidiary to XXXX XXXX, XXXX, XXXX, and XXXX. ( 18 USC 241 ) XXXX, XXXX, and XXXX are consumer reporting bureau 's and I'm the consumer. i have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. JEFFERSON CAPITAL SYSTEMS has violated my federally protected rights under colorable of law, and their own CORPRATE CORE VALUES AND POLOCIES specifically 18 USC 242, as well as Failing to follow federal law and FDCPA and many more. I've inquired injury and mental stress emotional damage and injury to my consumer report to provided for my family. JEFFERSON CAPITAL SYSTEMS has committed SECURITIES FRAUD by obtaining and trying to collect from a certificate of indebtedness without the proper authorization, furnishing false and misleading statements on my report, 18 USC 1028, 15 USC 1681b, states who can authorize that and i did not. continuous violations need to be met with compensation due to my federally protected rights being violated, and they refuse to follow the law. 15 USC 1681a ( 2 ) ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681e states " ever consumer reporting agency shall maintain reasonable procedure designed to avoid violations of section 1681c of this title and limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX, and XXXX are not maintaining reasonable procedures.
Product: Debt collection

I had a dispute with XXXX University last month for {$42.00}, Client Accounts Number XXXX, and Accounts Receivable Resources Account # XXXX. When I called yesterday and today, they claimed it verified it was valid. Still, they didn't send me anything to prove that saying that it was valid and won't help me redispute or dispute it again because I disagree with it, and they keep hanging up on me and getting smarts to me over phone calls.
Product: Credit reporting, credit repair services, 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 No : XXXX and Account name XXXX XXXX XXXX XXXX XXXX  No : XXXX, has violated my rights. 

1

5 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.

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

XXXX XXXXXXXXhard inquiry that I never did myself
Product: Credit reporting

Tranunion recently decreased my credit score by XXXX points after receiving certified requests for historical records. Transunion has also decreased my score by mass points twice in the recent past after filing disputes and complaints to BBB and to this agency. The exactness and timing is fact proven that their malicious actions are in reactions to the aforementioned. Regardless of which model is used XXXX XXXX or XXXX the deduction is recorded as a mass XXXX point reduction without just cause. The matter has been referred to legal counsel.
Product: Credit reporting or other personal consumer reports

I Tried to fix an account that show balance and wrong status in my credit report. I tried to open an investigation multiple time in Experian, XXXX and XXXX. I do not received any response. I open a Fraud Alert because I see my report and I found that account. I completed an FTC report and send it again to the three mayor bureaus and again, no received any response or any letter from them.
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 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  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: Debt collection

Debt was paid to SW Credit Systems, for a XXXX bill. SW Credit systems was called and I was told that XXXX would have to remove the debt from my credit report. I then called XXXX and was told that SW Credit Systems should have removed the collection off my credit report beings they were paid. 
The collection shows it is still under SW CREDIT SYSTEMS as XXXX XXXX XXXX as the creditor.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT According to per XXXX XXXX XXXX I DIDNT AUTHORIZE THE REPORTING OF THE ACCOUNTS UNDER XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding two inaccuracies on my credit report, which I have repeatedly disputed with the credit bureaus. Despite my efforts, the bureaus either claim the items have been " verified as accurate '' or fail to properly address my disputes. The details of the accounts in question are as follows : XXXX ( Account Number : XXXX ) - Reason : Identity Theft This account is not mine. I have submitted a fraud affidavit, police report, and other supporting documentation under the protections of the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which allows for the blocking of fraudulent information due to identity theft. However, the bureaus have continued to report this item and provided no meaningful explanation for how it was verified. When I contact XXXX directly, they refuse to give any information, citing my identity theft report. As per XXXX XXXX Equifax Information Services, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), credit bureaus must conduct a reasonable investigation, which they have failed to do. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - Reason : Failure to Send Billing Statement, Late Payments Reported in Error XXXXXXXX XXXX has reported late payments for periods during which I did not receive a billing statement, a clear violation of the Fair Credit Billing Act ( FCBA ) 1666 ( 15 U.S.C. 1666 ). Under the FCBA, a creditor is obligated to send a billing statement at least 21 days before the payment due date, and failure to do so voids any late payment penalty. Additionally, the inaccurate reporting of these late payments also violates the FCRA 1681s-2 ( a ), which mandates that furnishers of information report accurate and complete information. Based on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ), I am entitled to have these inaccuracies corrected, and my account updated to reflect positive payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX XXXX continues to show on my credit report as XXXX XXXX off 's. The account was paid of XX/XX/XXXX. I have sent multiple letters to XXXX, Equifax and XXXX as well as to XXXX regarding this. They claim they have investigated it but they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX The above XXXX XXXX Is in violation of my right. 

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Also as well In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat d payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against JPMorgan Chase Auto as I have disputed their reporting of an old auto loan that has been paid off and their reporting on my Credit Reports. I've submitted disputes to JPMorgan Chase starting back on XX/XX/2021 and again on XX/XX/2021. They received my letters on XX/XX/2021 and also on XX/XX/2021 and they neglected to mark my Credit Reports with Disputed Comments. I've enclosed copies of the USPS Certified Letters, along with the confirmations that they received and signed for these letters. I've also attached copies of my Credit Reports from XX/XX/2021 ( well past the 30 days required by Federal Law and the FCRA ) showing they didn't mark my reports with the required " Disputed '' comments. In addition, the address they provide on the Credit Reports is not an accurate address as it is a forwarding address ( this information was provided to me over the phone, also on a recorded call ).

Per the FCRA and FEDERAL LAW, JPMorgan C
hase failed to mark my Credit Reports with the required Dispute remarks. By violating the FEDERAL LAW and the FCRA, it has interfered with my ability to obtain further credit. This is a violation of my rights as a consumer and must be removed from my Credit Reports. The Reports sho
w their lack of attention to my dispute and failure to follow the regulations of marking my Credit Reports with the appropriate dispute remarks.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi, I've contacted XXXX XXXX times and requested them to submit a reimbursement request to Zelle for the following below. XXXX  has noted that I need to contact Zelle directly. I contacted Zelle directly multiple times and they told me I have to go through XXXX since the transaction was performed there. Formal {$900.00} reimbursement request needs to be submitted. 


On XX/XX/XXXX, we we reached out to about available XXXX XXXX tickets from XXXX  ( the id of the account ) on XXXX. This user informed us that she had tickets available that she would not be able to use and just wanted to get what she paid. We paid {$900.00} for the tickets as indicated in the transfer request. I am including a copy of the transfer request as documentation. Here are the key details from the Transfer request in clear text : To : XXXX XXXX at XXXX From : Interest Checking - XXXX Sent : Thursday, XX/XX/XXXX Deposited : Thursday, XX/XX/XXXX Speed : Within minutes Reason : XXXX XXXX XXXX XXXX Payment ID : XXXX After the payment went through XXXX  asked for a screenshot of the transaction which we sent to her. Further XXXX  noted that her partner would verify that he received the payment and she would transfer the XXXX tickets to my XXXX account. XXXX  then said her partner was working and would let us know when off. Later that night we were informed her partner was working a double shift and she would get it all sorted out in the morning. XXXX continued delay tactics and we sent a request for a refund of the {$900.00} which remains un-fulfilled. Zelle portion : On XX/XX/XXXX, XXXX XXXX sent a formal request for refund to Zelle at https : //www.zellepay.com/support/report-scam including all of the details reported above. We have still not yet received a refund of our fraudulently stolen money.
Product: Credit card

Kickoff Lending LLC is inaccurately reporting a charged-off account on my credit file across all major credit bureaus. The reported balance is {$6.00}, with a {$2.00} past-due amount as of XX/XX/XXXX. The account was allegedly opened on XX/XX/XXXX, and marked as closed with a charge-off status. I do not recognize this account, and it is being reported in error. Additionally, when I previously disputed this account, the reporting became even worse, further damaging my credit standing.

Under 15 U.S.C. 1681i ( a ), credit reporting agencies ( CRAs ) are required to conduct a reasonable reinvestigation of disputed accounts. The continued reporting of an account that lacks verifiable documentation violates the Fair Credit Reporting Act ( FCRA ) and constitutes both willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o. Additionally, the fact that my prior dispute resulted in worsened reporting suggests a failure to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ).

Resolution Requested To correct this inaccurate reporting, I demand the following actions : 1. Permanent Deletion of This Account from All Credit Bureaus If Kickoff Lending LLC can not provide verifiable, legally admissible documentation proving my liability, this account must be permanently deleted from XXXX, XXXX, and XXXX, per 15 U.S.C. 1681i ( a ) ( 5 ).

2. Method of Verification Disclosure Under 15 U.S.C. 1681i ( a ) ( 7 ), I demand that the credit bureaus provide a detailed description of the method used to verify this account, including the specific sources relied upon. A mere automated verification from the furnisher is not legally sufficient.

3. Removal of Any Negative Notations Resulting from My Prior Dispute My previous dispute should not have led to more damaging reporting. This action demonstrates a reckless disregard for accuracy and must be rectified immediately.

4. Written Confirmation of Deletion If the account is removed, I require written confirmation from all three bureaus stating that it has been permanently deleted and will not be reinserted unless the furnisher provides certified documentation ( per 15 U.S.C. 1681a-5 ). 

Failure to comply with these requests will leave me no choice but to escalate this matter, including filing complaints with the Federal Trade Commission ( FTC ), state regulatory agencies, and seeking legal action for damages under 15 U.S.C. 1681n. 

I expect XXXX, XXXX, and XXXX to take immediate corrective action.
Product: Credit card or prepaid card

Complaint about Chase/XXXX Credit Card Offer I was prompted on XX/XX/XXXX to pay for XXXX XXXX flights costing {$2100.00} with a new Chase/XXXX Signature credit card by a promotion on XXXX 's website. The advertising asked that I apply for the credit card and immediately pay for the flight I was currently booking ( see attached document and link ) to obtain XXXX bonus XXXX after you spend {$2000.00} on purchases within the first 3 months of account opening '. I assumed payment of the flights would allow me to access the XXXX bonus XXXX. After going through the lengthy process of applying for the card, instead of being taken straight to the payment section to pay via my new card I received this email message ( on XX/XX/XXXX ) : 'We have received your request for a Chase credit card. We'll let you know our decision by U.S. mail. This could take up to 30 days. ' ( see attached email ). 

This of course made it impossible for me to take advantage of the stated offer to : 'Yes, I'd like to apply for the Card and use it to pay for this flight ' and obtain the XXXX bonus XXXX. ( See PDF of Offer ) On complaining to Chase that the 30-day approval procedure rendered the offer to apply and pay for flights with the card ( and obtain the promised Bonus XXXX ) an impossibility, I received the vague statement below. This whole offer seems like bait and switch to me. 

Date : XX/XX/XXXX XXXX From : Chase Card Services Subject : Re : Rewards Inquiry Message : Hello XXXX, Thank you for contacting Chase regarding your XXXX XXXX account. My name is XXXX and I am an Account Manager within our Secure Message Center. Our Email Specialists have taken the time to escalate your message for review of the account. I understand and respect your position regarding this issue. 

I'm sorry our efforts to assist you did not result in the outcome you had expected. We ask that you trust that this decision is the same for all customers. We feel adhering to the policy for all customers is the best way to remain fair and consistent. 

The offer terms are provided when applying for the card. 
There may be different offers available based on the link using to apply for the card. I apologize that the terms are unable to be changed. I appreciate your feedback and thank you again for your time. 

We appreciate your business and thank you for being a Chase customer. 

Sincerely, XXXX Senior Service Specialist XXXX ext XXXX Tuesday through Friday, XXXX XXXX. to XXXX XXXX. Central Standard Time