23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

VALIDATION AND CEASE AND DESIST Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Jefferson Capital Systems : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contrac
t exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your company on XXXX of XXXX  and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2020 is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/2020 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THAT INQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSED I RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIRE FROM XXXX  XXXX XXXX  XXXX ON XXXX. PLEASE DELETE THIS INQUIRES. I HAVE NEVER HAD A XXXX  XXXX ACCOUNT
Product: Credit reporting or other personal consumer reports

I recently reviewed a an opt of my credit file and found information to be inaccurate, incomplete or unverified. XXXX investigated and deleted the account with XXXX XXXX. Account number XXXX. I provide a copy of the deletion results to XXXX and Transunion but they refuse to follow the laws they have in place. If one bureau finds an account to be inaccurate, incomplete or unverifiable, they must share the information with all reporting agencies.
Product: Credit card

I disputed a charge on my Visa card from XXXX XXXX back in XX/XX/XXXX in the amount of {$2700.00} for a keyboard I had purchased that did not arrive in the condition it was supposed to be in. The keyboard was returned to XXXX XXXX and the amount was credited back to me. In the meantime, my Extra Points Visa Signature Card issued by Barclaycard continues to charge my account for the above stated amount despite the fact that I have complained numerous times that there was only XXXX purchase, it was returned to the merchant and I do not owe any money. I do not have anything in my possession. I was told by the agent several times that it is an error on their part and it will be escalated and removed from my account. This has not happened. Since XX/XX/XXXX, the charge continues to appear on my account. It is affecting my credit score and is wrongfully subjecting me to a liability I should not have. They are doing nothing to resolve the problem and I require assistance in getting this cleared up permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling numerous of health issues and back in XXXX I was XXXX following an XXXX  XXXX. I had to stay in the hospital for a couple weeks upon discharge and arriving home I begin getting calls and letters concerning accounts I had no knowledge of opening. I also noticed things with my bank accounts that had unfamiliar charges and withdrawals. I am a victim of identity theft and would like all accounts removed from my credit. I have tried to communicate with the companies to address the matters one company in particular was very rude with a couple of employees who were very aggressive and threatened me on the call and via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern this is my second time making a complaint because Comenity Bank still reporting an inaccurate account on my credit report. They claimed they have sold this fraudulent account Victoria Secret account number XXXX to XXXX XXXX XXXX XXXX on XXXX and Express account on XX/XX/XXXX. I sent comenity bank a certified letter with a return receipt on XX/XX/XXXX. They responded back letting me know they sold both accounts but still they are still reporting it continuously on my credit report. XXXX responded back saying inserting they reply from my last CFPB complaint here as follow. 

Company 's Response XXXX XXXX XXXX, XXXX ( " XXXX '' ) investigated your complaint. We previously closed the XXXX accounts ending in XXXX and XXXX, requested that the consumer reporting agencies remove our tradeline for the accounts from their consumer reports, and ceased all communications regarding collection of the XXXX accounts unless otherwise permitted or required by applicable law. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. 

This is proof I will in close the picture of this response as of today these accounts never been reporting from XXXX XXXX XXXX XXXX. They responded with the wrong account number for Victoria secret account number supposed to be XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear : TransUnion I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX  XXXX resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

18 USC 1028A establishes the offense of aggravated identity theft. This statute became law in the United States in 2004. It prohibits the use of identifying information belonging to another in two instances first, in connection with certain federal offenses and second, in relation to terrorism offenses.
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. And there is also a violation of code 15 USC 1681s-2. Also according to the FCRA a consumer reporting agency must provide reasonable procedures to assure the maximum possible accuracy of the info concerning the individual about whom the report concerns. : STUDENT LOANS : DEPT OF EDUXXXX XXXX XXXXXXXX, DEPT OF EDUXXXX XXXX XXXX $ XXXX, DEPT OF EDUXXXX $ XXXX US DEPT OF EDUXXXX XXXX XXXX.
Product: Checking or savings account

Subject : Complaint Regarding Unfair and Deceptive Overdraft Practices by Navy Federal Credit Union Complaint : I am writing to formally lodge a complaint regarding unfair and deceptive overdraft practices by Navy Federal Credit Union ( NFCU ). These practices have affected me on multiple accounts and are consistent with allegations made in recent lawsuits against NFCU.

Issues : Deceptive Fee Assessments : NFCU has charged multiple overdraft fees on my accounts for transactions that, based on the terms provided, should not have incurred such fees. These fees were assessed even when my accounts appeared to have sufficient available funds at the time of transaction authorization.

Unclear and Misleading Disclosures : NFCU has failed to provide transparent and accurate information about how overdraft fees are assessed. The disclosures do not sufficiently explain how transactions are processed and how fees are calculated, leading to unexpected and unjustified charges.

Unfair Practices : NFCU has engaged in practices such as transaction re-sequencing to maximize overdraft fees. This method processes larger transactions first, causing smaller transactions to overdraft multiple times and resulting in excessive fees.

Impact : As a result of these unfair practices, I have incurred significant financial hardship due to excessive and unwarranted fees across multiple accounts. I believe these practices violate consumer protection laws and do not align with fair banking standards.

Requested Resolution : Refund of all overdraft fees assessed unfairly or improperly on my accounts.

Revision of NFCUs overdraft policies to eliminate re-sequencing and provide clear, detailed disclosures regarding transaction processing and fee assessments.

Investigation and enforcement by the CFPB to ensure NFCU complies with applicable consumer protection laws and prevents further harm to members.

Personal Information :
Product: Debt or credit management

The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate.

o My student loan shows a period of delinquency when I was actually in an income-driven repayment plan.

o Im the victim of identity theft and I dont recognize one or more of the accounts on my report.
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing severe financial and emotional distress. I became aware of fraudulent items on my credit report, indicating potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted written requests, and provided all necessary documentation to support the removal of the fraudulent entries. Regrettably, despite my ongoing efforts, the unauthorized items remain on my credit file, negatively impacting my creditworthiness. I request that you thoroughly review this information and take immediate action to rectify the situation. The continued presence of these fraudulent items on my credit report is not only affecting my ability to secure credit but also causing considerable stress and anxiety. If my concerns are not addressed within the specified timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing citi credit card on my credit report when it is showing in XXXX charged off/closed. My XXXX report is not showing that card on my report nor is XXXX showing that on my report. All 3 reports only show 2 bills that I have outstanding with XXXX and XXXX score of XXXX and XXXX. While XXXX is showing XXXX. I am not saying that didn't happen with citi however, it is not showing on the other 2 credit bureaus because it was CLOSED. It is no longer open. All 3 credit bureaus should match.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : Experian : XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX : XXXX XXXXXXXX XXXX : {$3500.00} XXXX XXXXXXXX Balance : {$2300.00}
Product: Mortgage

I ( XXXX XXXX ) have a mortgage that I took out in XXXX with my husband ( XXXX XXXX XXXX. 
We received notice on XX/XX/XXXX that our loan servicer would be changing as of XX/XX/XXXX to the Money Source. Our property taxes were due on XX/XX/XXXX. The Money Source took XXXX weeks to find our loan. Once they finally acknowledged having our loan, I asked whether they would be paying our taxes on time. They claimed that they would pay our taxes from the escrow account that we had set up when we took out the mortgage, but then they also recommended that we pay the taxes ourselves to avoid the late fee. So I paid them on time. I incurred an additional cost for processing the payment via credit card because I was not able to get an answer until the day before the taxes were due. I asked to be reimbursed. 
Rather than be reimbursed, the Money Source released a large portion of my escrow account to me via check, which I had asked them NOT to do because of frequent mail thefts. This took me at least 4 calls ( though I can check my cell records to be sure ), speaking with about a dozen separate people over the course of three weeks as well as sending written and email correspondence. By the last of these calls, I had received a supplemental property tax bill. I asked whether I should pay that bill. The Money Source told me it would be paid out of my escrow account. Then I checked my account the day after it was due ( XX/XX/XXXX, the bill was due XX/XX/XXXX ), and the amount had not been taken out of my escrow account. So I called today ( XX/XX/XXXX ). When I called, I was first told that the Money Source would pay it, but it would not be the same day. I informed them that I would not wait because I had already confirmed that the bill would be paid more than 45 days ago ; if they were going to pay the bill, they would have paid the bill already. Then, the service representative changed tactics, claiming that the Money Source had decided they would not be paying the supplemental tax bill on XX/XX/XXXX and had sent me correspondence. I am signed up for electronic correspondence. I never received any notification through the electronic system and double checked this morning to confirm that was the case. I also checked my email and confirmed I did not receive any notification/letter/email telling me the same. I also have not received any paper notification or call from the Money Source that might have informed me of the same issue. I have now incurred about {$500.00} in additional costs from paying my taxes online ( and needing to use a credit card, for which I was charged almost {$280.00} more ) and from a late fee on this last bill and from a late fee that I incurred for paying one of my supplemental property tax bills late ( just shy of {$250.00} ). 
After I called on XX/XX/XXXX to report the issue, I was told that I would get a check for the full amount within 30 days. Now, I'm being told they will not resolve the issue until XX/XX/XXXX, but they refuse to tell me how much they will refund me if anything. In total, I have spent likely around XXXX hours trying to resolve these matters. I would never recommend the Money Source.
Product: Credit card

When I had been complaining to BOFA earlier this year they send me paper asking to file this complain in writing. I went to my bank the main brunch and asked for the forms to file complain. The associate told me it is no special forms and she will help me in communication to credit card division management. She did and she told me it is no need to file the formal complaint anymore since the complain was went into desired division. All I need is to wait for the answer on my request. So that, I did not send the annual amount because I was waiting for investigation and answer. Soon I had received the reminder from Credit Card division asking to proceed the payment. I call and explain to associate I am in complain and waiting for an answer. I was asked if I can pay any amount now. I was agree to pay {$50.00}. However, the bank start to charge me the late fee and increase payments percentage. This was not what I should inspect accordingly the bank associate which had helped me by mediating. I can not increase my monthly payment up to level of new demand and my debt is increasing every month since then.
Product: Debt collection

I have reached out to Equifax regarding a collection that is reported on my credit profile by XXXX XXXX XXXX. I have asked Equifax many times to properly investigate/validate this collection because I do not recall signing a contract for the services neither did I sign a contract with XXXX XXXX XXXX  establishing an agreement to pay them anything. I've asked Equifax to provide me with an original contract that I signed for the services that were allegedly provided and/or an original contract between me and the collection agency ( XXXX XXXX XXXX ). In order for anything to be reported on my credit report, I have to give my permission. Usually this is done when a contract is signed. Therefore, I asked Equifax to provide proof that I gave permission for XXXX XXXX XXXX to report anything on my credit profile. Equifax is reporting damaging information on my credit report without my permission.
Product: Consumer Loan

Exeter Finance allowed my signature to be forged on documents for a vehicle without my consent and without me being there in attendance. When I approached them they suggested that I submit Identity theft report, I did that, and Exeter Finance deemed my claim frivolous. I 'm demanding justice in this matter. This is my final attempt before pursuing legal action. This is not a request for validation or verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2013 I notified the three bureau 's of fraudulent accounts reporting on my credit report that continue to report despite the fact I followed the appropriate steps to prove the accounts do not belong to me. Please see accounts below that does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have sent a follow up 2nd Request for these accounts to be removed because I have not received responses from some of the bureaus in regards to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I receiced my consumer report now I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items asa soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Sir / Ma'am, Please be advised that this is my SECOND attempt, seeking your assistance in this matter. I sent you certified mail back on XX/XX/XXXX regarding no correspondence from the credit bureaus dealing with a complaint about accounts that haven't been verified. I simply requested that the bureaus show proof that the debt belonged to me. All 3 bureaus had already exceeded the 30 day allotted period when I reached out to your company on XX/XX/XXXX. On XX/XX/XXXX, I received a response from Equifax and XXXX  stating that the debt had been verified. The response letters from 2 of the bureaus, which I will upload were dated : Equifax XX/XX/2021 XXXX  : XX/XX/2021 XXXX  : No response as of the date of this writing As previously stated the date of XX/XX/XXXX was in excess of the 30 day mandate by at least a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

I was contacted by DCI about a XXXX XXXX  bill. I explained that I filed bk on XX/XX/XXXX and they were automatically included since it was under 500.00. The representative told me that since the account did not go delinquent until XX/XX/XXXX that it was not included. I explained that I was disputing the account because the account has been past due since XX/XX/XXXX and that it was included and that the amount was incorrect. I notified the company that I was disputing this account and they have made no attempt to validate. This is not a valid debt.
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to run my credit as my information was entered in a data breach.