23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Reference Number : XXXX Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in investigating and resolving a matter involving a debt collection agency, Jefferson Capital Systems LLC, regarding an alleged debt associated with the original creditor, XXXX XXXX, under account number XXXX. 


The agency claims that I owe a total balance of {$5200.00} under their current account number XXXX. I dispute the validity of this debt and request that Jefferson Capital Systems LLC provide proper validation in compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), which requires debt collectors to cease collection activities until they have verified the debt and provided documentation to the consumer.

To date, I have not received adequate documentation that substantiates the validity of the debt. As such, I am exercising my rights under : 15 U.S.C. 1692g : Validation of debts.

15 U.S.C. 1692e ( 8 ) : Communication of false or misleading information about a debt.

15 U.S.C. 1692c ( c ) : Ceasing communication upon written request.

Additionally, I request your assistance in ensuring compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specifically concerning the accuracy of information reported to credit bureaus by Jefferson Capital Systems LLC or any affiliated parties. Any unverifiable or inaccurate information must be removed promptly. 



I respectfully request that this debt be removed from my records unless Jefferson Capital Systems LLC can provide documentation proving : XXXX. The original agreement or contract with XXXX XXXX that substantiates my obligation.

2. A full accounting of how the balance of {$5200.00} was calculated.

3. Verification of their legal authority to collect on this debt.

If they can not provide this information, I ask that this matter be closed and the alleged debt removed from my records and credit reports. 



Please notify me of the status of this complaint and any action taken on your part. I am prepared to provide additional information or documentation, if needed. 



Thank you for your assistance in this matter. 



Sincerely, XXXX XXXX
Product: Debt collection

I reviewed my credit report and saw that there were 2 collections on my credit reports from Professional Placements. I don't know who they are and never had any contracts with them. 
I sent a letter to them asking for validation of the debt-showing a contract with a signature between myself and professional placement and have not heard anything back. 

I need this inaccurate information removed from my credit account.One collection is {$89.00} and another for {$3800.00}. 

I don't owe them anything.
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 # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My and my father 's credit reports have become mixed somehow and there are many discrepancies that need to be corrected my father and i share the same name and have had the same addresses, I am currently being charged with Identity fraud tho i never used his information and never attempted credit in his name or social security number many of my inquiries and credit lines are shown to be on his report this information is inaccurate and i am now being criminally charged though i never used his information. 

From XX/XX/2021 to Current the inconsistency are overwhelming as the address i live at and the one he is at are not the same and the reports so that they are and they also list my email and phone numbers as well as my Business on his reports. 

Most of my paperwork pertaining to said information was taken in a search and XXXX thought no real probable cause was established other then hearsay from my father i need this to be resolved with the best efficiency possible to correct the issues and attempt to fight the current charges that are false and do to the reporting agency incorrect information gathering.
Product: Credit card

I have contacted Capital One about a venture card that was opened fraudulently in my name as well as other cards that were accessed at the same time to get these accounts closed and removed from my credit report. I have sent them copies of the identity theft report from identitytheft.gov as well as the police report, yet they are denying my claim.
Product: Credit card or prepaid card

On or about XX/XX/XXXX I initiated a balance transfer in the amount of {$5800.00} from a Chase XXXX  credit card and {$3200.00} from a Chase XXXX XXXX XXXX card to a XXXX XXXX  credit card. 

The balance transfer posted to my XXXX XXXX credit card on XX/XX/XXXX. A corresponding credit to the Chase XXXX  credit card and the XXXX XXXX XXXX card did not post that day. 

On XX/XX/XXXX I contacted Chase to inquire about the status of the balance transfer. I was informed that balance transfer credits take between four and five business days to post and that the XXXX is not counted in this waiting period. Thus, I will be charged interest on the already transferred balance through at least XX/XX/XXXX and possibly through to the XXXX. 

There is no possible way that it really takes four to five business days for this to post. This is predatory and an excuse for Chase to charge interest as well as make use of the funds sent by XXXX before they post to my Chase credit cards.
Product: Credit reporting or other personal consumer reports

Details of the Complaint : On XX/XX/year>, I sent a formal dispute letter via certified mail to Experian, Equifax, and TransUnion, disputing a fraudulent account reported by XXXX XXXX  XXXX XXXX Account Ending in XXXX ) due to unauthorized charges resulting from identity theft. In my dispute, I demanded : XXXX. The immediate and permanent removal of this fraudulent account from my credit file. 
XXXX. That this fraudulent account be permanently blocked from being reported again by XXXXXXXX XXXX  XXXX or any other creditors.

3. That all negative reporting associated with this fraudulent account be removed. 
XXXX. That the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) by properly marking this account as in dispute until their investigation is complete. 
Failure to Acknowledge or Take Action on My Dispute Despite my certified mail dispute being delivered on XX/XX/year>, I have not received any acknowledgment, response, or confirmation from any of the credit reporting agencies. 
Furthermore, they have failed to mark the account as in dispute as required under the FCRA ( 15 U.S.C. 1681i ( c ) ).

Violations of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureaus are required to conduct a reasonable reinvestigation of disputed information within 30 days and notify me of their findings. They have failed to acknowledge or take any action on my dispute, which is a violation of my consumer rights.

Additionally, under 15 U.S.C. 1681i ( c ), when a consumer disputes an account, the credit bureau must mark the account as in dispute while their investigation is ongoing. As of XX/XX/year>, this account remains on my credit report without any notation that it is disputed, further violating my rights.
Product: Checking or savings account

I am writing to file a complaint against Navy Federl Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Payday loan, title loan, personal loan, or advance loan

I have been utilizing cash at borrow for approximately XXXX  months and within the time frame that I have been repaying early If you repay early your cash app limit increases also your ability to request another loan for the amount on the repayment is also available recently I had my cash I borrow account limit reduced to XXXX and It didn't seem to be a problem and now that I am again repaying early and on time it is not allowing me to take out another loan. I have also sent to the cash app support team that this is misleading information and I have also sent screenshots of the rules and regulations of their borrowing I have attached in this complaint screenshots of the attempts to resolve this issue with them and they continue to keep misleading me into debt
Product: Debt collection

Debt collector is reporting a paid debt incorrectly and they are not being responsive in correcting the error. I 'm going through the process of buying a house and this blemish is holding things up.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have a incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Ally received my final payoff for XXXX yesterday and now they are giving me a hard time releasing my vehicle because the managers are mad that I made a complaint with this company. I was told by a customer rep last night on the phone. I keep calling and they put me on hold till the phone is cut off.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY HUSBAND HAS A CAPITAL ONE CREDIT CARD WHICH TO MY KNOWLEDGE I WAS NOT AN AUTHORIZED USER, NOR DID I WANT TO BE AN AUTHORIZED USER. I AM NOT A CO-SIGNER NOR DID I EVER GUARANTEE PAYMENT ON HIS CREDIT CARD ACCOUNT I HAVE MY OWN CREDIT CARDS WHICH I USE CAREFULLY, TO ASSURE THAT I AM ABLE TO PAY IN FULL THE MONTHLY STATEMENTS. I FREQUENTLY MONITOR MY CREDIT SCORE FOR THE PURPOSE OF INCREASING MY CREDIT STANDING. 

IN CHECKING MY SCORE I DISCOVERED A SIGNIFICANT REDUCTION. 

THE REASON? 
MY HUSBAND HAS A CAPITAL ONE CARD WHICH IS DELINQUENT AND BECAUSE OF THIS CAPITAL REPORTED ME DELINQUENT. I CALLED CAPITAL ONE AND SPOKE TO AN AGENT AND TO A SUPERVISOR AND WAS TOLD THAT I HAD ABSOLUTELY NO RESPONSIBILITY IN REGARDS TO MY HUSBANDS ACCOUNT. CAPITAL ONE ALSO OFFERED NO EXPLANATION WHY THEY REPORTED ME DELINQUENT. PLEASE HELP ME TO RESTORE MY GOOD STANDING WITH THE CREDIT COMPANIES
Product: Credit card

I recieved a call from Comenity Bank on XX/XX/XXXX that I missed a payment. I advised the caller that I had not recieved a bill and he agreed to wave the late fee and accept a payment of XXXX and my account would be paid in full. Now Comenity Bank is trying to charge me late fees for a balance that I satisfied. I only recieved a bill in the month of XXXX and XXXX. I spoke with XXXX employees of Comenity Bank and no one would help. XXXX on XX/XX/XXXX @ XXXX. She was condecending and refused to help get the late fees waved. I pay my credit cards in full every month, this was a Comenity Bank error and I should not have to pay the late fees. 

This was all over a {$19.00} purchase. Now they want me to pay {$80.00} in late fees.
Product: Payday loan, title loan, or personal loan

Inability to recognize payments, and now racking up late charges and ridiculous catch up payments and undoubtedly reporting this account late to credit bureaus further ruining my credit.
Product: Money transfer, virtual currency, or money service

I purchased {$110.00} dollars of Bitcoin with my debit card through Cash app. I tried to send it to my virtual wallet and was unable. Cash app stated I needed to verify my identity. I provided my state issued driver 's license that's current along with a selfie as requested. System won't verify They stated I can withdraw it but the system won't allow me. It states my w9 is not updated. I submitted a w9 and now they are saying it takes 60 days to review. 60 days of holding my money XXXX while I'm losing money on Bitcoin. I don't want to be holding Bitcoin. I want to sell or transfer it but they won't let me touch my money! This is outrageous. Forcing me to lose money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests on XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove the following accounts completely from my Credit Report. 
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 reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXXI disputed collection debt with XXXX XXXX XXXX (this is their new name), with all three collection agencies providing copies of cancelled checks from XXXX   throughXX/XX/XXXXwhere the company would return my payments on my debt stating they won't accept it unless I pay the debt in full.  The company initially was accepting my payments but began returning my payments.  I'm on a fixed income due to illness and at the time I was also paying my XXXX, my treatments & for my medication out of pocket and was sending XXXX to XXXX month.  I won my disputes with the credit bureaus and the collection company and as a result, this was removed from my report.  In XX/XX/XXXX, Experian allowed XXXX to put this back onto my report again (Only with Experian); this is fraudulent behavior and I've reached out to Experian, last year and again this year, with no response.  I've also filed a complaint with the AG's office about both companies: Experian & XXXX.  I provided the necessary documentation to successfully dispute and it's unethical at this point to ask me to 'find something' yet again!
Product: Credit reporting or other personal consumer reports

Account Name XXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous debt validation notices to XXXX XXXX XXXX they say I owe XXXX, I never received a response back from the creditor. As per the ( FCRA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FCRA. However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a notice of dispute to Equifax and XXXX on XX/XX/2022. 

It is XX/XX/2022 and I have no response yet. I demand that they delete the accounts that I disputed since they did not respond to investigation in under 30 days.
Product: Credit card or prepaid card

XXXX  % XXXX check could not be processed by a XXXX  insurance carrier. The Check has the customary XXXX line with Routing Transit & Account number along with Item number encoded. 
On the first failed attempt BofA validated the XXXX line over the phone but could not locate an attempt for the item to clear the bank.

After XXXX attempts to process the XXXXl check supplied by Bank of America, I authorized the transaction using the card as the medium. 

In a followup call, BofA refused to honor the promotion by transferring the card based transaction into the promotion. 

In short, this scheme of providing Non-negotiatble checks constitutes a bait & switch in an attempt to defraud the customer. 

I requested he log a customer complaint in their XXXX system, which he committed to do, but could not ( or would not ) tell me if I would be contracted in response to the complaint. 

I informed him that I would make this regulator complaint to be sure the complaint was heard an acted on.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year> ) I'm now requesting this account be updated to paid on time/ never late immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Approximately an hour ago I ordered a FREE TRIAL of XXXXXXXX XXXX XXXX and was charged {$24.00} for the free trial. I immediately requested a cancellation and refund of the order which XXXX did. Now Chime has every excuse under the sun for not giving me my money including the merchant never issued a refund which I have proof they did including case number, chat, and email which I have forwarded to them while also stating it was never taken out of my account which it has and is pending. I do not understand why Chime can not just stop transaction or " loan '' the money to me like every other bank in the world does. 

I have had it. First I have to fight for my direct deposits, then I have to wait days or even weeks for a refund, now I have to fight for a refund that should not have been purchased in the first place.
Product: Debt collection

Please have these debts removed from my credit report if it cant be validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my mortgage sold out to another mortgage company. I was not informed until after I made the payment to the mortgage company. They took my money even after they sold my mortgage and it is showing a 30 day late payment on my credit report. Equifax will not help me with this. I paid that months mortgage and because they sold my mortgage and held my money that months payment was late due the the fact they held my money without even a phone call or letter saying they sold my mortgage.
Product: Checking or savings account

I established a political campaign account account about 4 years ago with PNC Bank, primary account number XXXX : XXXX XXXX XXXX XXXX, XXXX Account. I decided to close the account about 6 months ago and they refused to close the account both in writing and by telephone, asking me nonsensical and numerous questions. Eventually I sent a secretary to case a check for the amount of the balance, about {$2000.00} and they still refused to close the account even though the balance was zero. Now they state as of my XXXX statements that I owe them {$24.00} ; but the statement is not clear as to the amount.
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. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.