23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a XXXX XXXX account back in XXXX it is a closed account and paid in full. The company is paid in full on all credit reports. This company is closed and paid in full and the credit reports reflect this. I tried contacting XXXX XXXX and they are no longer in business and now this company Jefferson Capital Systems LLC shows up on my report. A collection company called Jefferson Capital Systems LLC put on the credit bureaus that we owe money to them. I have documents from credit bureaus that this account is paid in full. Please help as no one at the credit bureaus are even looking into my accounts. This company is trying to collect something that is not owed to them. This company has impacted my credit horribly and they should not be allowed to get away with it. I am sending the credit information showing this company is fraudulently reporting and refuses to remove it. The credit bureaus are not taking the time to investigate the companies actions. Below is the information they are reporting to all three credit agencies. I called the company never heard of me. FRAUD! 
JEFFERSON CAPITAL SYSTEM Last reported XX/XX/XXXX {$6000.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 9 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements This is what it states on credit bureaus but it is fraud and does not meet FCRA requirements. It is actually violating FCRA in sections 608 and 611. Please investigate thoroughly as this company is violating FCRA and FDCPA very badly and falsely putting information on my credit reports under collection.
Product: Credit reporting or other personal consumer reports

Credit karma has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where credit karma has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or men need disputed accounts, as credit karma 's XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer was affected by covid-19 and had some financial hardship and had a late payment placed on my consumer reports by XXXX XXXXXXXX in XX/XX/XXXX. Because of the uncertainty of the given pandemic which caused me to be unempolyed I removed all of my credit cards and other accounts off of auto draft to be able to remain stable during the pandemic. I called each company including XXXX XXXX to ask for an extension on the payments. After receiving an alert from credit karma stating that I had a missed payment I immediately call XXXX XXXX to correct the issue. After speaking with the representative they said that I called in a day after the payment was actually due which made me 30  days late. I explained the situation to XXXX  XXXX and told them that I thought I called in on time and if they would please update the information. They stated that they could not because it was technically late. I then explained that I have never been late on any payment with them in 6  years since I had my account started in XXXX. They said I had to 1st bring the account current then they could " potentially '' remove the late payment. I paid them immediately that day even though I was in a financial hardship to keep my payment history in tact. After making the payment and waiting 30 days nothing changed. This is highly unreasonable considering I was affected by the pandemic financially and I explained to them what happened and how I thought I called in time along with me making a payment that day even though I really could not afford to and in 6  years of no late payments ever they refused to update this information on my credit reports. I have reached out several times over the last 11 months in an attempt to clear this matter up along with writing them a letter asking for them to remove the late payment in goodwill due to my perfect payment history with them for the last 6 years. I'm coming to the cfpb because I need help and I know that due to covid-19 that there has been exceptions and grace extended to those who were impacted by covid-19 and encountered financial hardship. Please help me resolve this issue as it is impacting my reputation, character and credit standing. I have attached a copy of the goodwill letter that was sent in to XXXX XXXX headquarters on XX/XX/XXXX.
Product: Debt collection

I XXXX XXXX do not owe credence resource management any money. Im asking them to ceast and defrain. All communication should be done by postal service. Stop calling my cell. If u continue to call Ill sue u under fcra law. I request also not to put this account on my credit report as I do not owe this company any money. I understand this company is a debt buyer and I do not have a contract with this company. Ceast now
Product: Credit reporting or other personal consumer reports

I have put in NUMEROUS disputes with XXXX because they seem to mix mine and my TWIN brothers information. They have his personal information under mine, his social security number is under mine and his XXXX XXXX credit card account is also under my name. Ive had a recent issue with them before with a previous credit card and now I am going through this again after just getting the other account taken off after A YEAR. I am not happy that information is being mixed and my credit is being messed up because of it! Same goes for XXXX and Equifax!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written Citibank twice. They say that they have reported correctly, however it appears they misunderstand what the actual problem is. I do not dispute late payments prior to XX/XX/XXXX. They acknowledge correctly that my last payment Was for {$2700.00} back in XXXX of XXXX and that there is currently a XXXX balance. The account was closed at that time and there has been no activity on it. However around XXXX of XXXX all of a sudden they begin to report that there were late payments for several months in XXXX and XXXX. How could this be since my last payment was in XX/XX/XXXX and the balance is still at XXXX? They consistently do not respond to my inquiries regarding specific information of balances and proof of any late payments in XXXX or XXXX. This is because they have no such information because that account has been closed for the last 4 years. Apparently there is an error somewhere either on their end or perhaps a credit bureau has some mix up of accounts but this matter has negatively affected my ability to get a conventional mortgage loan. Please Have someone to trace details and source of any such balances or late payments in XXXX and XXXX to find out the source of the error ; and as I'm certain that no information can be found, I requested that those erroneous entries be removed from my record so that it shows that there was absolutely no activity for that account since it was closed back in XX/XX/XXXX. Your assistance would be very very much appreciated.
Product: Bank account or service

I wrote XXXX checks from my credit union checking account to deposit into my Regions Checking account. Both checks cleared my credit union account with the amount deducted the next business day. Regions has almost XXXX week later now held these funds for fraud monitoring till next month even though they have received these funds. They claim a confidential source has indicated that the checks may not clear. They have also retroactively returned ACH payments from different merchants and banks well after they were approved. I contacted the local branch in my city who said that only the branch where the account was opened, which is out of state, could assist. Regions has received an almost {$20000.00} interest free loan from me, is holding our money without any ability to access it, creating return check fees to our credit card and auto loan institutions and damaging our internal ratings, and insulted us with a claim of confidential information of non-payment. This claim is patently false as the account the check is drawn from is my own and my credit union has already sent them the funds. I believe this claim is used as an unsubstantiated excuse.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX and the credit reporting agencies for continued violations related to the account XXXX - XXXX. I have been disputing the inaccurate and unverifiable information on this account for over XXXX months, yet the errors remain. This is a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Issues and Violations : Inconsistent Reporting Across Bureaus : The reported balance is {$10000.00} across all bureaus. 
However, the high balance is inconsistently reported : Equifax and XXXX report a high balance of {$0.00}. 
XXXX reports a high balance of {$18000.00}. 
These discrepancies are unacceptable and reflect a failure to maintain accurate and consistent reporting. 

Contradictory Payment Status : The payment history reflects late payments while simultaneously indicating the account is charged off with no further payment obligations. This inconsistency undermines the validity of the reported information. 
Duplicate and Conflicting Comments : Comments state the account was closed due to inactivity and also charged off. How can an account be inactive yet continue to generate derogatory marks? 
Failure to Validate the Debt : Despite repeated disputes for over XXXX months, neither XXXX nor the credit bureaus have provided adequate validation for this debt. Reporting unverifiable information is a direct violation of the FCRA Section 609.

My Frustration and Damages : I am beyond frustrated with the incompetence and disregard for my rights displayed by XXXX and the credit bureaus. This ongoing issue has caused significant damage to my credit profile, preventing me from accessing fair financial opportunities. The fact that this inaccurate information continues to be reported after XXXX months of disputes is inexcusable.
Product: Debt collection

i recently check my credit ON XXXX XXXX and seen 2 negative items from NATIONAL CREDIT ADJUSTERS SAYING THAT I OWE ( 2 ) ALLEGED DEBTS,1 FOR XXXX AND THE OTHER FOR XXXX WHICH I DO NOT OWE.I SENT THEM A CERTIFIED LETTER WITH A COPY OF BOTH LETTERS ATTACHED ASKING FOR THE INFORMATION CONCERNING THESE ALLEGED DEBTS ON XXXX XXXX, IN WHICH I HAVEN'T HEARD ANYTHING FROM THEM.
Product: Debt collection

My Public Student Loan Forgiveness application was approved in XX/XX/year> and the remaining debt was forgiven. A system error ( MOHELA confirms it is an error ) during an upgrade caused balance to reappear on my account in the amount of about {$250.00}. I have requested the error be fixed on XXXX separate occasions, and they have assured me they will fix the problem and place an administrative hold on my account to stop collections. Yet, I still get harassing calls and emails about the debt behind past due within a month of each complaint to them. 

Now, the debt shows as more than 90 days past due and will be reported to the credit bureaus. I requested an immediate remedy, but I got the same " I've reported it and it will be fixed soon '' answer. 

The debt is not valid, they admit it. Yet, they still try to collect and are going to send a negative report to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX and I am writing to delete the following information on my credit report. The items I need deleted are listed in my report. These items on my report are causing me to not get approved for a house and vehicle. I am a victim of identity theft and did not make these charges on my report. I ask that the items be permanently deleted to correct my credit report. I reported these issues to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Again I ask for these items to be permanently deleted.
Product: Credit reporting or other personal consumer reports

I have submitted disputes with XXXX regarding their reporting of an incorrect collections account ( National Credit Systems ) on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have submitted and mailed court documents along with my identification documents to verify that they are reporting inaccurate information. I have called to speak with XXXX customer representatives regarding this case on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite calling and speaking with managers and consumer affairs, nothing has been corrected in the reporting of this account. No actions have been taken by XXXX.
Product: Student loan

I have private student loans from Discover Student Loans ( original lender XXXX..The Student Loan Corporation ). XX/XX/XXXX, the co-signer of my XXXX loans filed for bankruptcy. This placed my loans in the delinquent category because of XXXX 's policy and were reported as negative accounts on my XX/XX/XXXX/XX/XX/XXXX credit report even though I was diligently making payments and have continued to do so from XX/XX/XXXX-XX/XX/XXXX. I have been denied online access to my account since the bankruptcy was filed and have been sending in checks each month as an established payment plan in XX/XX/XXXX. XX/XX/XXXX, after reviewing credit reports from all XXXX agencies, I wrote a certified return receipt letter to Discover Student Loans asking them to amend negative accounts since I had not missed payments. This was denied. More recently, I received an email and have been receiving numerous harassing daily calls to repay. Again, a payment plan had already been established XX/XX/XXXX and I have been making payments.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX  has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is wrongfully reporting inaccurate information to the credit bureaus. This item was already removed from all three major bureaus as a result of the account being fraudulent. XXXX is violating my rights for their own financial gain and I am livid! Litigation will be filed towards the company if this harassment doesn't stop.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

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

Early XXXX, Capital One closed my Walmart credit card which had a small credit on it. 
I immediately called Capital One to inquire. They told me it was closed on error and they would look into it and I would receive a call in 7 to 10 days. I called back about every 2 weeks and always got the same response that Cap One would call me back in 7 to 10 days. 
To date Capital One has never called me. 
On XX/XX/2022 I called Capital One again, and this time they informed me that it was closed because I requested it close. I offered to provide full medical records as only someone with psychiatric issues would close an account then call 6 times to inquire why it was closed. 
On the XX/XX/XXXX Capital One informed me they had sent a check for the credit about a month prior. Unlike the 5 promised return calls, this was also not done. They told me they would overnight the check as well as a detailed explanation. I did receive an overnight package but with no check or explanation, but generic information about my card. 
One of the items included was a copy of the contract which stated if money is owed at the end of a billing cycle, a {$39.00} fee would be assessed each month.. 3 billing cycles have now passed and not only have I not seen a check, Capital One has never called me back in-spite of numerous promises to do so. 
In addition, Capital One violated the Federal Fair Credit Reporting Act for incorrectly reporting that the card was closed on my request
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I signed up for US bank silver checking account using a promo which would give me {$200.00} once I meet the criteria. The criteria was to make 2 bill payments of {$25.00} or more and my account will be credited with {$200.00} in 60 days. 
I met the criteria on XXXX XXXX XXXX. Its been 68 days and I have n't received the {$200.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in to be removed. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 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! Delete the late payments from my consumer reports
Product: Payday loan, title loan, personal loan, or advance loan

I have put reply within my dispute that is attached. The credit Union has not responded to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 i spoke with XXXX on behalf of equifax Id # XXXX. she refused to accept my passport card and ftc report to have fraudulent accounts removed and said she would only do so if i sent my social security card in to them which i said was personal.
Product: Checking or savings account

On XX/XX/XXXX at XXXX my credit karma spend account was frozen with my tax refund in it. I called credit karmas number on the back of my card the entire day and everybody I spoke to could not tell me why. They are still holding my money without explanation. They send an email about contacting support on the phone yet support on the phone just tells u to look out for an email. Then they say they dont have access to that information. Ive called the owner of the company which is XXXX and they tell me to call credit karma. I call their supportive bank on my card which is XXXX XXXX  and they tell me the same thing. I call the fraud department and they said my card isnt locked but they have no access to anything else. They all give the run around with no explanation to why my account was frozen with my funds nor what to do nor when it will unfreeze. Every transaction on my account was made by me. Ive even verified all transactions then they say my card is not blocked anymore but when I go to take my money out my account is still frozen. I look at reviews and dozens of people are having the same issue with this company freezing and stealing their tax refund deposits. I just want my money. They will not even close my account because I have money in it yet will not give me access to my money. There is absolutely no reason for this. Further more I have my state refund set to come in here as well and will still have no access to my funds. Ive contacted every bureau or company I can think of and I am not receiving any explanation nor any help with this problem. I can not believe that XXXX XXXX supports and recommends this company to use for receiving tax refunds. I was a loyal customer for 6 years and now will never again use XXXX XXXX credit karma nor any other company owned by XXXX and I recommend everyone else to do the same.