23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I realized today that Jefferson Capital Systems XXXX is on my credit reports.The information being reported is FALSE and Jefferson Capital never sent me anything regarding this alledged debt before reporting this FALSE adverse information on my XXXX XXXX and XXXX credit reports, because it does not belong to me. 
I will sware in a courtroom that I never had an account with XXXX or Jefferson Capital. 
I am requesting complete validation in accord with FCRA 809 and dispute this debt in its entirety. I also request that Jefferson Capital send to me the purchase agreement that Jefferson Capital has with the alledged original creditor XXXX. 
I am also demanding this alledged debt be removed from my credit report immediately from ALL credit reporting agencies that Jefferson Capital may be reporting to.

Section 1006.34 clearly states that I should receive notice of debt before it was placed on my credit reports ( s ). Jefferson Capital knows or should have known this. Remove this information from my credit reports immediately or I will seek legal representation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX   XXXX account for months. XXXX and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : CKS Financial CKS Account ID : XXXX Balance : {$17000.00} Current Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX of XXXX XXXXXXXX XXXX  Original Account Number Ending In : XXXX
Product: Checking or savings account

An unauthorized person withdrew {$1700.00} from my Wells Fargo XXXX account and deposited it into an XXXX XXXX account that I do not have access to. I received XXXX email alerts from Wells Fargo notifying me of the suspicious activity. I then submitted a claim to Wells Fargo and they denied my claim and said it is a valid transaction. They refuse to reimburse my money.
Product: Consumer Loan

Received an e-mail from the company below demanding pay from a loan that I did not make. The address in the bill is different then mine and the name does not have a middle initial, also I do n't know how they got may e-mail. 

Do n't know if this company is legit. 

e-mail from XXXXXXXXXXXX XXXX XXXX ( 2 days ago ) to me XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : Loan # XXXX Dear XXXX XXXX, This e-mail is to inform you that we will be debiting your account for the outstanding payment due or fees of {$290.00} on XXXX/XXXX/2016 XXXX 

Sincerely, LoanMe , Inc . 
XXXX This communication is an attempt to collect a debt and any information obtained will be used for this purpose. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
Product: Checking or savings account

On XX/XX/23, I deposited a check for {$1800.00} via Citibank Mobile Check deposit. I received an email confirming the deposit and saying I would receive more information about the status of my deposit shortly, but I never received any other communication. On the evening of XX/XX/23, I chatted with a citi rep via online chat and was told my funds would be available XX/XX/23. This rep also told me I would be informed of any delays via writing. On the morning of XX/XX/23, my funds were not available and I was told there was an additional delay placed on the deposit. I spoke with 2 Citi CSRs, the Citi Technical Suport dept, then finally Citi XXXX XXXX -- I told them in no uncertain terms I wanted a copy of the notice I should have received informing me that my funds availability was delayed. XXXX called me back about 1 hour later and informed me that there is an ongoing issue where required notices are not being mailed to Citi customers, and that while he apologized there is nothing he can do and there was no way I could receive a notice in writing about the delay on the funds from my deposit. He then hung up on me. The terms and conditions of my account state that " Our general policy is to make funds from any type of check deposit available to you no later than the first Business Day after the day of your deposit. '' The terms further state " If we decide to place a longer delay at the time you make a deposit, you will be provided a notice that lets you know when your funds will become available to you. If your deposit is not made with a teller, or we decide to take this action after you have made your deposit, we will send a notice to you by the next Business Day. " It is UNACCEPTABLE for XXXX to state that I can not receive a copy of the notice the terms & conditions of my account state that I will receive.
Product: Bank account or service

I have n't been able to see my bank account details on Citi Online for the last few months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was disputed because the first date of delinquency was reported incorrectly by Bank of America, N.A. Neither XXXX nor XXXX were able to verify the first date of delinquency reported by Bank of America, N.A. and deleted the account from my record.
FCRA 623 ( a ) prohibits furnishers of information from reporting information to a credit reporting agency if the furnisher knows or has reason to believe that the information is inaccurate. The statute defines reason to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts as to the accuracy of the information ( 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and ( D ) ). The deletion of the account by XXXX and XXXX because of their inability to verify the information casts substantial doubt as to the accuracy of the first date of delinquency being reported by Bank of America, N.A.
According to XXXX, dispute results are not shared by credit reporting agencies because only the business knows which of the consumer reporting agencies have received disputed information ( see attached ). Bank of America has failed to notify XXXX that the information they are reporting regarding this account was deleted by XXXX and XXXX because they were unable to verify the first date of delinquency reported by Bank of America, N.A.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX ( Original Creditor : 11 XXXX  ) Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companys updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. 



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I tried to increase my credit limit on my XXXX XXXX XXXX Card ( with Chase ) multiple times but it has been denied almost every time. 
They gave a very awfully low credit line of {$1000.00} on my card. Because of this credit limit, I couldnt even buy my favourite products from XXXX during the XXXX XXXX XXXX Sale ( XXXX XXXX ). It is an irony that I can not use my XXXX XXXX card on XXXX days to buy products off XXXX. 
This credit limit is the least of any credit cards I have and Chase wont increase for some non-concrete reasons. 
They dont even try to listen to customers perspective and just keep denying extra line of credit. My monthly income is three times more than Chases credit limit. It is that meagre. 
I believe that Chase treats me unfairly and is discriminating me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  ( XXXX ), ORIGINAL CREDITOR ; XXXX XXXX  XXXX SOLD TO, XXXX XXXX XXXX ( XXXX ) has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the rights to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish am account without my consent.
Product: Debt collection

XXXX, 2022 I received an alert about an collection account from NTL Recovery Agency, I've called and spoken with NTL and explained to them that this account has been resolved with another agency, NTL Recovery Agency refuses to remove this collection off my report, this is unacceptable and Unprofessional.
Product: Vehicle loan or lease

Purchased a car from XXXX of XXXX on XX/XX/XXXX and the finance manager stated the only way to get the loan was to buy the extended warranty but that I could cancel it the next day for a refund. Tried the next day all the way through XX/XX/XXXX - XXXX kept saying the cancellation had been processed many times and finally she gave me a number to call after 18 months and the people there stated that XXXX dealer had the money and they were the ones to issue the refund. 
Called XXXX XXXX and she stated that the warranty could NOT be cancelled after lying and deceiving for 18 months!!!
Product: Mortgage

I have been trying to get my home repaired for two years, with the insurance company eventually paying after the claim went to appraisal. Pennymac has the insurance checks but does not release until it has passed inspection. When it was time for an inspection, they advise I have to request, then wait to be contacted by the 3rd party inspector ( 7 days ), then schedule several days after contacted. I have had several inspections cancelled after I had already taken off work, without notice. When the inspector finally did arrive, he arrived 2 hours early, then left without performing the inspection. I took off work early to meet him, but he refused to come back at the scheduled time, advising I must start the scheduling process over again. He ended up having me take pictures and sent them to Pennymac, with his write up ( from an inspection he did not do ), and Pennymac determined my work was 50 % complete and would issue 50 % of the funds. My house repairs are completed 2 weeks after the scheduled inspection, and I still have not received any funds. I spoke with customer service, again, and they initiated a dispute, freezing even the 50 % payment, making me restart the inspection request over again because they reviewed the previous inspection ( which never happened ), and determined it only 60 %. When asked what the recourse is to have accountability, or to even expedite the final inspection to pay the contractor, they advised that there was none. Now, my repairs will be completed and I will have to pay more than {$75000.00} out of pocket until they can go through the process to get me scheduled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022 to " Investigate every piece of information '' on the accounts I have listed below. Also I have attached the CFPB complaint I sent out and here is the Tracking # XXXX According to the FRCA " The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts still not reporting 100 % Accurate. And According to the FRCA 15 USC 1681 Everything has to be 100 % Accurate. Also I have my credit report showing these inaccuracies. 

List of Accounts : Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX If you look at All my credit report from TransUnion, XXXX, and XXXX The " XXXX XXXX XXXX is reporting Account type : Open on TransUnion and XXXX but on XXXX it shows " Debt Buyer '' on there so how is this 100 % accurate? 

Look at " XXXX XXXX  XXXX '' as another evidence of inaccuracies. It shows " Balance updated XX/XX/2022 '' on Transunion but On XXXX it shows " Balance updated XX/XX/2022 '' also " Terms 1 Month '' and " Past Due Balance {$2200.00} ''. Which is NOT REPORTED on my TransUnion report. So How is this Verified? 

Also Look at XXXX XXXX XXXX More inaccuracies it shows On TransUnion Account # XXXX, On XXXX Account # XXXX. THIS IS A BIG INNACURACY FROM MY PROOF AND EVIDENCE Shown this a Violation of my FRCA USC 1681 ( e ).
Product: Debt collection

Midland Funding has all my information. I did not sign a contract with Midland for any debt.

they keep making harassing phone calls and are telling me that she has something for me and she is coming to get me. I have no clue what she is referencing. I do not know what debt they bought. I did not sign a contract with Midland ever in my life. I do not know what documents they have to have my social and date of birth. Very upsetting to know they can use my social and dob to threaten me. XXXX told me I was stupid and she will not let me talk to her to resolve any issues. She is not professional at all. She told me i need to show up for court today XX/XX/XXXX but nothing is at the courts office.
Product: Debt collection

I received a notification from the 3 credit reporting agencies of a collection on my credit report. However, the collector has never reached out to me or made contact of any kind. Isn't this against the law? My credit is very important to my job and now I will have job issues because of this. I have perfect credit. Never missed a payment in my life. How can they just put something on my credit report without making any attempt to collect the dept? 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and I would like to inform you of the inaccurate reporting on my creditfile. See list below. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
I am writing to request the verification of information regarding specific accounts listed on my credit report in accordance with the Fair Credit Reporting Act : Section 609.In pursuant to the FCRA section 609 ( A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with Transunion. Further I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my Transunion consumer file.I am disputing and requesting full verification on the following accounts. 

It appears that thereare 10 - 14 installment accounts under XXXX XXXX  XXXX account number XXXX originated from a school that I never attended or enrolled at or agreed to attend. 
XXXX XXXX - account number ending in XXXX originated from a school that I never attended or enrolled at or agreed to attend. 
XXXX - account reporting opened in XX/XX/XXXX. 
XXXX XXXX XXXX - account reporting opened in XX/XX/XXXX XXXX XXXX/ XXXX XXXX account reporting opened in XX/XX/XXXX. 
I would like to verify that these creditors obtained my information legally by requesting that they provide me with the original sources of the information they received. This should include the identity of the individuals who requested my credit reports, all original documents and agreements, and all other relevant documentation. If you are unable to get this information for me, please remove these items immediately since the accuracy of what is being reported to my credit file can not be verified. 

Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurateinformation be immediatelyremoved from my credit file. 

If any item ( s ) return as verified please provide all records in regard to FCRA section 609.

I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notificationof the appropriate corrections and updated credit reports at no charge. 
Thank you for your attention to this matter.
Product: Credit card or prepaid card

At the time I saw charges on bank of America I claimed fraud because it wasn't me that authorized it. 

XX/XX/2022 XXXX it was concluded that the merchant provided a receipt to have received the serviced.. Of course it was received..it 's unauthorized to begin with... I didn't receive it. This was sent via letter on XXXX. No I don't have it.. I teared it up today I was frustrated with bank of America. 

The others charged successfully disputed. 

I called a 7 to 8 times to find out pending claim and i gotten mix answers yes I have one no I don't have one and I did have one and it was the XXXX. I checked and saw there's another pending XXXX for XX/XX/XXXX claim id XXXX that's pending when. I check the bank of America app... I was confused on the phone, I mentioned about family members who makes unauthorized charges and it was the Tennessee rep taken it sorry it was a family member, it's not subject to fraud. Once said can't be removed I didn't even know that rule ... in the future how do you claim fraud if you didn't know anything about it in the first place and I was doing my due diligence to dispute them as I checked my account. I saw the unauthorized charges and did dispute. 

It's just frustrating, I thought it was successfully fraud claim and saw to my surprise a charge.and now a pending...
Product: Checking or savings account

Wells Fargo was having agents come to my XXXX  school and was having students  open accounts with them. I have not heard anything from my account since and alot of money was put into that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2011, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ) indicating that my ( current/never late ) vehicle loan was being amortized due to my credit card ( delinquent and late due to loss of employment ) account since my credit card had not been paid. At the time, I inquired how this could happen when my car payments were on time/never late, even after relocating out of the country ( my car payments were transferred online from XXXX XXXX to XXXX ). I was told that due to my credit card being delinquent, I would have to refinance my car loan with another company as there was nothing else they could do despite the loan NEVER being late. Fast forward after my second return to the states, the vehicle was repossessed and sold. <P/>I never received a ledger for this account, nor any bill of sale information to determine how much this vehicle was sold for and how much was applied to the balance. This loan also included GAP insurance and other financial protections that I paid an additional {$70.00} a month for, and none of the benefits from those protections were applied to the " remaining balance '' after selling the vehicle. <P/>While reviewing my credit reports, I noticed that late payment dates occur on this account where the account was never late ; additionally, I personally have witnessed how the " Account Balance '' on the account magically changes from {$2800.00} to {$4400.00} and back again EACH time I file a dispute with the three credit bureaus to have the correct information reporting about this account.