23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I federally protected consumer XXXX XXXX rights have been violated. For almost two years Ive been battling with Jefferson Capital Systems LLC over a debt Ive deny obligations of. Jefferson Capital Systems LLC purchased my information from XXXX XXXX XXXX since then Jefferson Capital Systems LLC took it amongst themselves to attempt to take me to court which their motion was deny by the judge. For almost two years Jefferson Capital Systems has caused me emotional distress where I have loss sleep, frequent headaches, anxiety, weight all due to this improper debt. I believe its time this back and fourth and constantly violating my consumer rights from Jefferson Capital Systems Stop immediately. Jefferson Capital Systems LLC have completely ignored both affidavits neither have they rebutted either one as well as my cease and desist letters
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 XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX**** Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a medical collection on my report. Not only does it violate HIPPA it is also reporting incorrectly. I have medical insurance and my insurance has covered all of my medical expenses in the last 4 years. I have contacted the company as well as filed a dispute with the credit bureau
Product: Credit card or prepaid card

Original Issue Interest charge ( {$100.00} ) on a direct deposit cash transfer offer ( XXXX ) revived in mail, dated XX/XX/XXXX. Also please review another offer ( XXXX-here the reference to direct deposits was clearly called out ) dated XX/XX/XXXX. As you see, the most important aspects of this offer-XXXX ( card purchases and direct transfers are NOT eligible ) was not displayed or mentioned along with the original text and instead it was hidden in small fonts in the footnotes.
Product: Debt collection

l hope this message finds you well. I am writing to formally request the removal of the charge-off listed on my credit report. 

This charge-off occurred on XXXX, and I acknowledge that it was due to this company fraudulent charging me after I received a invoice for XXXX XXXX I kindly ask you to consider my request to remove this charge-off from my credit report, as it has significantly impacted my credit score and ability to secure future financing. I believe that demonstrating my commitment to rectify my financial obligations warrants a reconsideration of this charge-off. 

Please find attached [ mention any supporting documents, e.g., proof of payment, correspondence, etc. ] that further support my request. I appreciate your time and understanding regarding this matter. It says {XXXX clearly this company added more fees. Also, since its a charged off form I would like a company of the invoice for legal purposes so I can file it on my taxes. 

Thank you for considering my request. I look forward to your prompt response.
Product: Credit card

I applied for a Chase Freedom Unlimited Card with an advertised promotion to receive a {$200.00} statement credit after {$500.00} of purchase in the first three months. ( Remains as advertised on website https : //creditcards.chase.com/cash-back-credit-cards/freedom/unlimited ) I was approved for this card on XX/XX/year>. I was continually shown this $ XXXX {$500.00} deal during the application process and applied for this card entirely to take advantage of this promotion. I was never told that I did not or would not qualify for this deal, including upon being approved for the card. I did suffer a small hit to credit score in order to apply for this card, as it added an additional 'hard pull ' on my credit card. 

After spending {$500.00} I called the company to inquire the status of my statement credit, the company then informed me that I did not have the $ XXXX {$500.00} promotion on my card and would not be receiving the credit. 

The first two representatives told me that the promotion I was seeking never applied to the Chase Freedom Unlimited Card, and when I found the information advertising it with the card I applied for, I called back and was escalated to a supervisor, who told me that my promotion was changed to a new promotion, where I would receive 1.5 % on my first {$20000.00} of purchases in the first 12months and attempted to convince me that this was a better deal. I have never and will never attempt to pay that much on this card and would never receive the " additional '' rewards. I understand that all similar programs are subject to approval, but I was never at any point informed my promotional offer was changed, and that changed caused material financial harm. 

I have suffered damage to my credit score and {$200.00} in lost promised rewards, without any notification or acknowledgement from the company.

I asked the company for anywhere I could submit a complaint regarding this issue, and they provided only a mailing address of a 3rd party company and refused to provide any email or survey form.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I do not own this account from capital one with a balance of {$290.00} opened in XX/XX/year> I have submitted to the credit bureaus and they have failed to remove from my credit file This is not my account I do not own this account nor am I an authorized user. Please remove
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of an unauthorized credit inquiry that appeared on my credit report. I am disputing the reporting from XXXX XXXX XXXX, XXXX, XXXX and XXXX. Upon reviewing my credit history, I discovered the presence of a hard inquiries dated XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX that I did not authorize or initiate. I am also disputing unauthorized credit inquiries from First Investment SVC dated XX/XX/XXXX and XXXXXXXX XXXX XXXX XXXXXXXX dated XX/XX/XXXX. 
Per 15 U.S Code 1681 ( b ) Permissible purposes of consumer reports, Except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. A consumer shall notify a consumer reporting agency through the notification system maintained by the agency under paragraph or by submitting to the agency a signed notice of election form issued by the agency. 
Upon receipt of notification of the election of a consumer under through the notification system maintained by the agency, a consumer reporting agency shall inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency and provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established at the time the consumer provides notification through the system.

The inclusion of this inquiry has raised significant concerns as it has adversely impacted my credit score and financial standing. I have attached supporting documentation, including copies of my credit report highlighting the unauthorized inquiry, as well as evidence of my non-engagement with the aforementioned creditor during the stated timeframe. 
Per the FCRA as a federally protected consumer, I am have opted out of all authorization that I, the consumer, may have given you. Per 15 U.S. Code 6802 all written, unwritten, verbal or non-verbal authorization has been opted out of effectively immediately and indefinitely. 
I have urged XXXX XXXX XXXX, First Investment SVC, XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, and XXXX to conduct a thorough investigation into this matter and promptly remove the disputed inquiry from my credit report. Given the potential implications on my creditworthiness and financial well-being, I requested that this issue be addressed within 30 days to ensure the accuracy and fairness of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Equifax to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was the XXXX day of XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Equifax at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of XXXX  you all are causing me. I've been in hospital twice XXXX  over this. It's not fair and federal laws are being broken at this point.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Early Warning Systems XXXX XXXX XXXX XXXX XXXX, AZ XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX To whom it may concern : It has come to my attention that Early Warning is willfully not complying with the FCRA. I have attempted on several occasions to obtain information in your database which you report to my consumer file and each attempt you have stated that you do not have access to the information I have requested and refused or ignored my request to remove the items from my consumer file. This puts Early Warning in direct violation of the FCRA which I will sue for. 





Section 1681g ( a ) ( 1 ) requires that a consumer reporting agency " upon request,... clearly and accurately disclos [ e ] to [ any ] consumer :... [ a ] ll information in the consumer 's file.... '' 15 U.S.C. 1681g ( a ). A consumer reporting agency is liable for " actual damages '' if it negligently fails to comply with this requirement, 15 U.S.C. 1681o ( a ) ( 1 ), and it is liable for " actual damages, or statutory damages ranging from {$100.00} to {$1000.00}, as well as punitive damages and attorney 's fees '' if it willfully fails to comply, 15 U.S.C. 1681n ( a ) If you can not comply or refuse to comply with the above mentioned FCRA regulation Section 1681g ( a ) ( 1 ), I demand Early Warning remove all disputed items/accounts from each of the referenced Case IDs above. 



In addition, Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section- Please send information from YOUR database. Not information that you have to acquire from XXXX XXXX XXXX or XXXX XXXX XXXX XXXX for the investigation. 



Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation.
Product: Checking or savings account

on XX/XX/XXXX I sent a XXXX payment to the incorrect recipient. I called the recipient '' XXXX '' the next day when I realized, and contacted XXXX. she sent me the confirmation letter from her bank that she had filed a claim as well. 
I contacted Wells Fargo on the XXXX and was told they would file a claim. It would take up to XXXX business days to get a response. I contacted Wells Fargo on the XXXX and they told me my claim had been closed because they had found that their was no fault on their end and they would not be issuing a provisional credit. 
I then pushed them to explain to me what the next steps should be, in order to get my {$1600.00} returned. They said they filed a request from the recipients bank on XX/XX/22 and should get an answer by the XX/XX/22. 
I called XXXX. again on XX/XX/22. they told me again that my claim was closed and that they could not say when the recipient 's bank would be required to contact them or guarantee that I would get my money back. I transferred 3 times each time to someone who could not answer my questions. The 3rd time I had to hang up because the hold was too long. 
At that point I contacted XXXX and was informed XXXX was its own entiity and I should contact them. In turn XXXX told me I should contact Wells Fargo because they were the only ones who could file a claim to get funds back. Not the Recipient. 
So Wells Fargo spent 15 days wasting time instead of getting this issue resolved.
Product: Debt collection

I have disputed this bill from the beginning with at and t. I have asked for them to verify the charges and explain to me what exactly they are collecting. I have not gotten one collection call from this company. I called today and spoke to a rep that informed me that this account was placed with them on XX/XX/18 and was immediately submitted to the credit bureau to impact my credit not given me a chance to dispute it with IC systems. The only reason that I am aware of this collection attempt is because I got an alert from XXXX. This is in violation of my rights. I also requested with the rep today that I fall under the sscra for military spouses.
Product: Credit reporting or other personal consumer reports

I reported to Equifax that XXXX XXXX XXXX XXXX of XXXX was reporting to them fraudulently. I opened an account in XXXX of XXXX and closed that account in XX/XX/XXXX and the account was paid in full in XXXX of XXXX. All XXXX bureaus reflect this. Equifax reported me in XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was paid in full in XX/XX/XXXX and I asked for XXXX to close the account and paid it in full at that time. XXXX took my payment and told me the account is now closed. Other agencies reported as closed and paid in full. Paid as agreed. The XXXX XXXX XXXX dates and action that Equifax is reporting is not accurate. I have reached out to Equifax and XXXX for a resolution with no one getting back with me. This is fraud and I need my account updated correctly as I was not a card holder of XXXX during the inaccurate reporting. Nor was I ever late with them. Nor do I owe them any outstanding balance.
Product: Student loan

My mother has been paying this loan we took out together for about 8 years now. I am unable to pay anything towards it at this time and paid very little in the past so honestly I have not paid much attention to it and her payments until recently. The original amount borrowed was XXXX. The school told us it was the best loan, cheapest and easiest to deal with. We have had no prior loan experience. And none of my other siblings attended college so we were completely new and in the dark about it and used the school financial adviser for our information. They told me, at just XXXX yrs old and very naive, and my mother, who just lost her younger sister in a XXXX, that I was eligible for financial aid but had missed the deadline so I could apply the following year when application opened again and they would cover most of if not the full loan. So we trusted them and jumped in. Well that was all untrue. I signed up for the financial aid immediately after I graduated and was told that was not allowed bc I had to sign up BEFORE I went to school not after ... So back to today, My mom recently showed me a bill which shows we 've paid about {$27000.00} at this point but the balance is still just over {$50000.00} ( Come down only about {$4000.00} ). We are in over our heads and the loan company has not been helpful with options. They gave us our XXXX allowed forbearance early on and had us pay just interest at XXXX point for a year or two as well if I remember right ( I can get all this exact info later if needed ) but otherwise it seems we 've exhausted all our option and now my mother is about to move out and wo n't be able to afford the bill so she wants me to pay it and with my own children to care for ( including tuition for XXXX ) and a high rent for our home plus car payments etc there 's no way I can do this. I am so worried about my kids and I ending up on the streets over this and my older son having to leave his school and really need some help getting some of the {$27000.00} paid towards the loan itself and not whoevers pocket its going into, or getting the loan lowered and affordable. Also the school president at the time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX MA was apparently stealing money at the time I went to school and I ca n't help but wonder if he paid of the financial aid woman to lie to us incoming students about getting financial aid just to get us to get loans to pay him : ( Please help if you can. Thanks XXXX
Product: Checking or savings account

I contacted Wells Fargo due to unarthurized Charges proved I was a victim of a identity theft by sending proof of police reports and also a claim for my stolen merchandise they denied my claim XXXX when I really dident arthurize any transaction its been a tough year for Y family and I during COVID I want my money back they are stealing people money
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX. I Recently sent in a dispute to Transunion Around XX/XX/XXXX, that took over 30 days with no response. After that I sent in another request for the unverified accounts to be verified or remove and still some accounts show up on my credit unverified! I thought it was the law for these items i have no idea about on my credit to be verified to me or removed. Can someone please help me get this situated because the credit bureaus are not doing they job
Product: Mortgage

My loan was bought by Mr. Cooper in the first part of XXXX. It has been nothing but a nightmare since they took over. They can't seem to figure out their bi-weekly auto pay. The first 7 times I called in I had an automated message tell me they are to busy to talk to me and then it hung up on me. Seven Times! I have never had to work so hard to make a company take my money. I have had to call every other week since they have gotten their hands on my loan. Did I mention they want to charge {$20.00} to take a payment over the phone? or that they want to charge {$2.00} to auto draft a bi-weekly payment? I am at the point were I am just going to refinance even if the rates ar n't quite as good just to get away from these guys. If you have the option don't deal with them. They are super rude and kind of shady.