23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

( JEFFERSON CAPITAL ) IS REPORTING AN ACCOUNT ON MY CONSUMER REPORT THAT IS UNVERIFIED AND INACCURATE. THIS IS A VIOLATION OF THE FCRA AND FDCPA. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. IF THIS ACCOUNT IS NOT DELETED WHITIN XXXX  DAYS I WILL BE SEEKING REMEDY UP TO {$1000.00} PER VIOLATION UNDER THE FCRA AND FDCPA FOR EVERY VIOLATION AND EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY AND PUNITIVE DAMAGES AS WELL. I WILL BE TAKING LEGAL ACTION AGAINST ( JEFFERSON CAPITAL ) BECAUSE YOUR COMPANY IS THE XXXX REPORTING THE ACCOUNT ON MY CONSUMER REPORT. EVEN IF YOU ARE HIRED OR CONTRACTED BY ANOTHER COMPANY, I WILL BE SEEKING AND TAKING ACTION AGAINST YOUR COMPANY. YOU HAVE XXXX  DAYS. THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I signed an auto financing agreement at the dealership XXXX XXXX XXXXXXXX XXXX XXXX and the bank XXXX XXXX XXXX for a XXXX XXXX XXXX. 

I payed a {$1500.00} down payment and agreed on paying $ XXXX for a term of 72 months starting XX/XX/XXXX. 

On the XX/XX/XXXX, my car was repossessed from my house with no prior correspondence. After further investigations, I called XXXX to inquire if they have the car and they confirm that they repossessed the car due to failure of receiving payments. XXXX claims that they do not have any contact information for me except for my phone number. They claim that they called my phone numerous times and sent me several mails. 
I hereby confirm that I have not received any calls from XXXX. I also did not receive any mailing correspondence from them, and that after confirming with XXXX they had the incorrect mailing address and all mail letter sent were returned to them. They also did not have my email. 
XXXX submitted reports to the credit union regarding late payments and repossession of the car, which has severely impacted my credit score, which has decreased from XXXX to XXXX. They also declined my request for installment and request that I submit a full payment of {$24000.00} before XX/XX/XXXX. 

I believe these claims are invalid because of the following : 1- I did not receive any correspondence from XXXX regarding this. 
2- XXXX did not have my correct mailing address or my email. 
3- efforts should have been made to contact the dealership to get my correct contact information. 

Additionally, no correspondence until this date has been sent to me to obtain my personal belongings that were in the repossessed car. 
XXXX have numerous similar lawsuits and allegations for similar claims that can be found publicly online. Unfortunately, I was the victim of their predatory conduct. I am currently pursing legal actions against XXXX. I have no problem in paying the monthly installment as I am a XXXX and I work at XXXX XXXXXXXX XXXX XXXX. I would appreciate your help in removing these claims as it has severely impacted my XXXXedit score and also due to the fact that XXXX did not reach me either via email, mail or phone to get the correct credit card number. 
Please feel free to call me at XXXX to discuss further if needed. 

Thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously tried to have the 3 CRA 's to update my credit report showing the deletion of my Discharged CHXXXX and all accounts that were associated. On XX/XX/2018, Experian deleted and removed item from their credit report. ( Report # XXXX ). According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this  disputed item must be updated to reflect the deletion of the bankruptcy. XXXX has updated credit report but XXXX and Equifax has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company repeatedly to advise the car was purchased back and paid for by the dealership XXXX XXXX XXXX and the funds for the vehicle were cashed in XXXX and the remaining balance was sent and cashed by the company on XXXX XXXX, XXXX. They have now falsely reported to my credit a late payment to a car I have not had in over 6 months and in their system their last payment of record is XXXX which is incorrect. They have made my credit drop 51 points!!!! I even gave authorization for the dealership to contact the lender to provide the check number amount and confirmation of the check being cashed. This is not fair to me or my family!!
Product: Checking or savings account

I had a XXXX transfer out from Citi account to XXXX XXXX  account on XXXX XXXX  2021 and it shows that money came into my XXXX XXXX  account on XXXXXXXX XXXX 2021. But when i checked into my Citi account on XXXX XXXX 2021, it is showing that this transaction is showing as returned now? 
When i contacted Citi about the same, Citi has the most lousy and useless excuse that after my XXXX XXXX  2021 ACH out transaction of {$2500.00} there was another ACH out transfer or {$200.00} from my Citi account to my XXXX XXXX thus {$2500.00} is returned as at a time there could only be one ACH out transfer. Citi Customer should one ACH out transfer only at a time. 

I checked with my XXXX XXXX account. {$2500.00} was there on XXXXXXXX XXXX  2021 and {$200.00} on XXXX XXXX 2021. What Citi is saying is very confusing and not accurate. 

It doesn't appear that Citi knows even the basics of banking. Overall Citi is too big, inefficient and worst customer service folks. 
Moreover why citi returned ACH out transaction of {$2500.00} and why not {$200.00}? as {$2500.00} was first transaction??? 
Very doubtful actions of Citi. 

I have to do another transaction of XXXX from Citi to XXXX  now. 
When checked with XXXX XXXX, they are also not aware of what citi is doing. 
Moreover Citi never sent me an email or communicate that they are going to do the reverse of any ACH transaction.
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 numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXXXXXX Account number : XXXX has violated my rights. Or 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: Debt collection

I tried to communicate and they did not attend to my claim, the charge is excessive, I owed the amount of {$35.00} dollars and now they are charging me {$420.00} for charges. I tried to communicate with the actual company of the amount but I was never able to communicate and now they are charging an excessive amount and the company XXXX does not stop bothering calls from XXXXXXXX XXXX to XXXXXXXX XXXX
Product: Debt collection

I have not received any notification from your company in regard to the alleged debt. I only discovered it because it was added to the following credit agencies ( XXXX, XXXX ). I am requesting an accurate verification of this debt. See the attached document for this submitted complaint. Please do not hesitate to send the requested information to the email address listed on the document. Thank you!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from secti

on 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002
and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Bank account or service

I have had an extra20 account with Santander Bank for over a year, which provides its clients with {$20.00} each month that they satisfy two requirements : 1. Received a direct deposit of {$1500.00} 2. Make 2 bill pays Since XX/XX/2015, I have received the {$20.00} bonus for satisfying these requirements each and every month. During this time, I have not changed anything, and now since the billing period beginning in XXXX, they have refused to honor the promotion. Instead, I was charged a $ XXXX monthly fee, which I was able to get refunded after escalating to a supervisor. Once again, neither the origin nor the amount of the direct deposit has changed over the entire course of my relationship with Santander Bank. I have since spoken with a Santander representative and opened case numbers 4 times, each time being reassured that they would review my account and correct the mistake. 

I was provided no advance notice that my direct deposit would no longer qualify for their terms due to a change in their internal policy. At this point, I am due {$40.00} in payments and they have not been able to resolve the issue. To make matters worse, this resulted in my account incurring fees, requiring me to get them reversed.
Product: Student loan

XXXX in XXXX California, XXXX college and XXXX online are all schools I attended and were a part of the XXXX XXXX lawsuit and I was told over two years ago these accounts would be deleted off my report.. til this day they are still there. I have contacted my loan servicer multiple times and they always refer me to a third party company that informs that there is no timeframe on the deletion. This is unfair practices and it is affecting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

It has recently come to my attention that an auto loan was opened in my name. A while back I received a letter from XXXX XXXX XXXX stating that I had a balance owned of {$8700.00}. This I have never had an auto loan with XXXX XXXXXXXX XXXX  so this took me by surprise. The following info is all of the specifics of the fraud as appears on my credit report. 
Experian Credit Report # XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account type : Auto Loan Date opened : XX/XX/2015 Balance : ( {$8700.00} ) I have since filed a report with the FTC and have attached it to this complaint. The FTC Identity theft report number is XXXX. 
I have provided a written statement on the Identity theft report and also attached a picture of my drivers license and tax documents for verification. I would like the CFPB to investigate and remove this fraudulent item.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS WRONG AND PREVIOUS ADDRESSES ARE WRONG I NEVER USED THEM AND NEVER LIVED AT THOSE PLACES
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report.

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$XXXX} XXXX and XXXX  Date Opened XX/XX/XXXX Balance {$XXXX} XXXX  XXXX OF XXXX XXXX Date Opened XX/XX/XXXX Balance {$XXXX} XXXX
Product: Checking or savings account

I am hard of hearing and often have to use a TTY line. TTY lines have a delay and I get hung up on. Wells Fargo 's phone lines disconnect when switching lines often too. 

The account " available balance '' is delayed, significantly. For example it states " {$400.00} available '' you make a " {$200.00} '' charge, it " suddenly updates '' the balance to say you don't actually have the much. 

I have Overdraft protection off. I opted out of all overdraft protections. Wells Fargo still " lets '' them go through. Debit card is off, Wells Fargo still lets it go through, even when balance is low. Instead of declining it. Wells Fargo stated you must call their customer support to take away the " pre-authorizations '' in order for it to decline. I've done this numerous times and Customer Support says they can't do that, which is contrary to the website 's documentation. 

Being a hard of hearing individual, makes working with this bank difficult. I feel my XXXX right is violated when I attempt to reach out to them. 

Wells Fargo is stacking my overdraft balances. For example I had only {$13.00} left. Wells Fargo allowed a debit charge to go through ( when the card is locked ) and overdrafted it by {$2.00}. Then it allowed XXXX others to go through, and overdrafted. I transferred money to cover it, but, Wells Fargo waited XXXX hours to count the transfer and charged overdraft fees. 

I lost my job and I want ALL overdraft protection off. I don't wany anything to go through if there's no balance and I have communicated this numerous times to Wells Fargo, which is a standard banking product. Wellls Fargo refuses to do this.
Product: Debt collection

I have disputed this account with all three credit bureaus even filed with the CFPB before. This company has acquired information from an account that has my name on it but does not belong to me. I have no idea where this account came from or how it was paid, if it was paid before. I only know about the account because it is showing as a negative item on my credit report now that I am trying to buy another home. I have tried speaking with this company but they only want payment and I am not paying for something that is not mine. I have lived in my current residence for XXXX  years and only have had XXXX credit card companies that I have ever used. I do not know about any others and no one lives with me but me and I get all of my mail so no one can send anything to my home and I not know about it. I want this negative and false information removed from my credit profile as it does not belong to me. The so called invoice that is shared means nothing when I have no idea where it came from, the account is not mine and should be stricken from my profile. This company is only after money and not working to clear false records.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : Me And my Husband XXXX XXXX XXXX was Victims of a Home Invasion in Our Home, many things was Stolen, such as TV Computers, passports, Identification SS # ETC we Made A police Report, But I did Not realize that these Criminals would Commit Crimes Using my Name to Open Fraudulent Accounts. These Accounts was Not Authorize by me Nor My Husband Attached are My ID # SS # and Police Report
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX received all my demand-letters since XXXX along with my lawyer 's letters to fix their fraud and inaccurate information. I never validated the debt, however the bank illegally and without my consent, knowledge and permission validated the debt that was in dispute. See attached letter. Stop covering up this monster bank and act in a good faith, unbiased and fair, not racially motivated. Your agency received in the past my complaint, however kept a blind eye over the XXXX XXXX  XXXXXXXX XXXX violations in my case. Be so kind to review alarming negative records of federal penalties against the XXXX XXXXXXXX XXXX, that raises a red flag. All my communications with the Bank have been witnessed and video recorded. The Bank habitual liars promised several times to reverse their negative reporting and delet that from my credit reports. See attached is my lawyer 's letter. The Bank sent me a letter and I provided with a burden of proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit report agency XXXX report wrong information on my credit report, from my account bank account named Chime. The balance is incorrect, there is no monthly payment for that account. The original balance it said I paid is too high, I never paid that much. All information is incorrect I would like it removed, everything is false. 

Condition Open Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX  Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Secured credit card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Creditor Information CHIME-XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone # : XXXX
Product: Bank account or service

Today, XXXX/XXXX/2015, After trying to contact Bank of America to inquire about 3 consecutive overdraft fees of {$35.00} each that occur on XXXX/XXXX/2015, I could not get this issue resolved. I waited for over an hour to speak to a representative, he seem to not understand XXXX XXXX XXXX that 3 consecutive overdraft fees were assessed while I still had funds available in my account even after 3 payments/transactions that posted onto my account. He kept referencing the overdraft fees to a payment that happened when I still had funds available, but was not making any sense. I, then demanded to speak to one of the supervisors, XXXX XXXX XXXX, and was impolitely addressed to, while I believe her current position was not that of a supervisor due to her rude demeanor. I have been banking with Bank of America for a long time to know that when an overdraft fee is assessed, it is always when a transaction has posted to the account and your balance goes in the negative, not while transactions are in process or pending. I am very unsatisfied with the customer service and I believe this practice is very corrupt. It is very clear where the 3 transactions posted to my account and I was assessed overdraft fees of {$35.00} for each one, while still having funds available and my account not going into the negative/overdraft. In reality, the only transaction which would have caused me to go overdraft would have been the transaction that is " processing '' in the amount of {$190.00} which has not even posted to my account. I have included a screen shot to support my explanation. I demand to have this issue resolved and the overdraft fees refunded for this unfair practice.
Product: Credit card

I have an issue about the points accumulation for the most recent statement on chase card ending in XXXX. 

I tried to contact chase both via phone call and their internal message system to try to fix the issue, but I never got any reply. ( XXXX ) I am including the original message below, and the supporting doc I uploaded to Chase as well in the attachment. 


================================================================= i have a question about the points accumulation for the most recent statement. 

Even I have a reversal transaction ( XX/XX/2023, category as other for rewards earning purpose ) within this statement, I had more spending ( some with category as airline tkts, car rntls, rstrnts for rewards earning purpose ) which leads to a positive statement balance, and which should lead to a positive reward points accumulation on this statement. 

However, I got a Negative XXXX points on this statement. 

Please help to fix the issue, and I am including a detailed dollar amount and reward points calculation sheet for you to review. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to CFPB XXXX and failure by Equifax to follow FDCPA : The underlying issue is that no validation of the debt is provided and Equifax is in violation of FDCPA as furnisher has not provide any information since request in XX/XX/2020 ( OVER SEVEN MONTHS ) Error was detected on my credit report and filed an investigation into the matter utilizing Equifaxs online dispute portal Equifax 's Report # XXXX Written dispute sent directly with the company ( XXXX ) that filed the incorrect information and company has failed to response as of the date of this compliant ( OVER SEVEN MONTHS ) Despite no response from the company, Equifax verified the information Equifax has a duty to validate information, not pass the burden to the consumer. 

This consumer financial protection bureau recently levied a {$500000.00} penalty for this company for violations of the FDCPA. 

Similar to the previous civil ligation, I have received zero correspondents from XXXX. 

Company directly submitted information to credit bureaus without notification or validation and Equifax continues to furnish and sell incorrect information which has caused denials in credit.