23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Email : XXXX Date : XX/XX/2024 Jefferson Capital Systems XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX Subject : Notice of Dispute and Request for Debt Validation** Account Number : XXXX To Whom It May Concern, This letter serves as my formal Notice of Dispute regarding the alleged debt associated with the above-referenced account number. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this debt. 

Please note that I do not acknowledge or admit responsibility for this alleged debt. I am exercising my rights under the FDCPA to dispute this claim and request that you provide the following documentation to validate the debt you are attempting to collect : Proof of the original agreement : A copy of the signed agreement or contract between me and the original creditor that demonstrates I am obligated to pay this debt. 
Itemized account statement : A detailed breakdown of the debt amount, including principal, interest, fees, and any additional charges. 
Proof of assignment or ownership : Documentation showing that Jefferson Capital Systems has the legal right to collect this debt, including the chain of custody if the debt was sold or transferred. 
Verification of compliance : Proof that this debt complies with all applicable state and federal laws, including statutes of limitations. 
Additionally, until the requested information is provided, I request that you immediately cease all collection activities related to this account, including reporting this alleged debt to any credit reporting agencies. If this debt has already been reported, please update any credit reporting agencies to reflect that the debt is under dispute. 

It has come to my attention that Jefferson Capital Systems has a history of lawsuits for violations of the FDCPA. For example : XXXX v. Jefferson Capital Systems , LLC : Your company was accused of sending misleading communications to consumers, and the court denied your motion for summary judgment, allowing the plaintiff 's claims to proceed. 
XXXX XXXX Jefferson Capital Systems , LLC : Your company was accused of filing a lawsuit without proper documentation and failing to send demand communications before initiating legal action. The court found that the plaintiffs claims under the FDCPA were valid and allowed the case to proceed. 
I urge you to ensure full compliance with the FDCPA in this matter to avoid similar legal consequences. 

You have 30 days from the date of receipt of this letter to respond with the requested documentation. If you can not validate this debt, you must cease all collection efforts and remove any negative information related to this account from my consumer reports. 

This letter is not an admission of liability for this debt and does not authorize any further collection activity. All correspondence regarding this matter must be in writing and sent to the address listed above or via email at XXXX. 

Sincerely, XXXX XXXX
Product: Credit reporting

Transunion has listed wrong information in my report. 
Attached files are my id, proof
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I am writing to formally request a reinvestigation of inaccuracies on my credit report, as provided for under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Despite my previous dispute and your subsequent investigation, the inaccuracies I identified remain on my credit report and have not been corrected. I believe this situation violates my rights as a consumer under the FCRA.I am in disagreement with the accounts listed below, which still appears on my credit report even a first investigation. I would like these item immediately reinvestigated. The inaccuracies are highly injuring my credit score.in accordance with the fair credit reporting act, public law 91-506 title VI section 611 provide the names and business addresses of each individual with whom you have verified these items with please send an updated copy of my credit report, after your reinvestigation. 

XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/XXXX I submitted a dispute with Equifax since they are reporting my bankruptcy as a chapter XXXX when it was instead a chapter XXXX. ( Equifax Confirmation Number : XXXX ) After the issues my wife had she suggested I submit the complaint through the CFPB which she had done. I 've submitted two complaints for the same issue through CFPB, and when calling was informed that there were issues with the system causing me not to be able to log in to view the complaint. Both we closed with the same failed result. Equifax still shows a chapter XXXX instead of a XXXX. Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX I will attached the documents from my wife 's complaint for the same issue showing that they were able to resolve it after the first attempt through the CFPB. It also includes a copy of the discharge letter from the Chapter XXXX trustee.
Product: Credit card

Hello, I previously typed up an extremely detailed complaint and my laptop battey died. I am going to keep it simpler this time. 

I made a purchase from XXXX in the amount of {$640.00} on XX/XX/2023. 
The order took two+ weeks to be fulfilled. I called XXXX daily, and several times per day requesting updates as this was an XXXX XXXX order ( Delivery was supposed to be made the following day, which is why I placed the order in the first place- I needed the order, the next day ). Each day I was given a new estimated delivery time and and another false promise/excuse for the delay. I run and own a business which heavily relied on the timely deliver of the security cameras I purchased. 

To make a long story short : In the end, I contacted XXXX and explained the entire situation to them, I explained that this delivery delay caused me to loose a customer loosing me far more then the cost of the goods. They accepted responsibility and offered a full refund. They said that an Email would be sent to me confirming this, shortly as the reps computer was running slow. Well, an email was never sent and since this was my XXXX time calling XXXX, I went to Amex and disputed the payment instead. Unfortunately, both attempts to receive what I was promised, a full refund, have completely failed. So, here I am, taking yet another step to yet again ask for a full refund. Amex did not research the dispute properly. Amex informed me that the order had been received and indeed, it had been received. The issue is that as a prime member, I was offered next day shipping. I did not receive next day shipping. Things happen, which I understand, so even if it was within the next THREE days that would not have been a big deal. However, this was for more then reasonable, it took over HALF A MONTH. So, in other words, I did not receive the service that I paid for as promised by the merchant. I should have been fully refunded. XXXX is a large company and so is Amex. There are recorded calls regarding this situation. XXXX promised a refund and did not deliver. My business earns {$1000.00} per day. If I am unable to receive a full refund for this transaction, i will be seeking legal remediation to recover the original transaction cost, recoded phone calls and a {$1000.00} per day for every day that the package was delayed. Please, just refund me the originals transaction so I can stop spending all my my time fighting this.
Product: Debt collection

I was charged {$96.00} for a diagnostic repair on XX/XX/2019. The amount of {$96.00} was paid the same day to the technician. I received an email confirmation. However, sometime sss the XXXX company sent me multiple invoices saying I still owed. I told them on multiple conversations that I had already paid the debt in question in full. They told me I had to prove that I had already paid my bill. I explained that I complete my fiduciary duty when I paid for their services on XX/XX/2019. I also purchased a new {$700.00} replacement dryer from XXXX months after paying for the diagnostic repair. 
It is unethical and careless of XXXX to force a paying customer to prove that they paid for a service, where they were the ones responsible for sending the invoice. Had I not been a responsible consumer and kept up with the invoice/receipt from 5 months ago, I might be responsible for paying this inaccurate debt. XXXX sent this debt to collections after being told multiple times that the debt had been satisfied.
Product: Credit card or prepaid card

I refer you to my prior complaint XXXX. This was a complaint against City Bank who refused to address an erroneous or fraudulent {$1000.00} charge on my credit card. Once you got involved they almost immediately reversed the charge. They did not, however, address the interest and fees they applied based on the erroneous charge. They are still charging interest and fees and refuse to address the issue. All of this interest and fees are based on that {$1000.00} charge. I have paid any charges that I actually incurred in full every month. I have monthly statements from Citi as well as my bank verifying those payments. I've talked to Citi personnel on the phone and have sent them letters. 
They have also filed derogatory reports related to my credit. 
They have harassed me at work, on my cell phone, on my home phone and through emails. I hate to bother you with this but I'm at a loss as to what I can do and thank you for any assistance you can offer
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account was settled a couple of months ago. XXXX, Experian and XXXX are not showing the correct information on balances, that the account was settled and amount paid, etc. This information needs to be updated to be correct or delete this accounts from the the reports.
Product: Credit reporting or other personal consumer reports

Reporting agencies XXXX and Experian continue reporting incomplete and inaccurate information on my credit report even though when my initial inquiry was submitted to the CFPB they claimed to have updated and removed all inaccuracies. According to the Fair Credit Reporting Act " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected within 30 days ''. I need to have this account being reported inaccurately removed from my credit history this will be my third complaint to the CFPB. I went ahead and reached out to the original creditor directly in order to verify the account information with them. I have attached that letter below as well as their response to that letter. The account information was not verified as they only responded with statements of the account history and no documentation possessing my signature or any other such documentation and the account mentioned in their response letter was not the account listed on the credit report sent over to them ; as you can see from the copy of the credit report attached below. Therefore the information from both parties is incomplete and inaccurate and should be removed.
Product: Debt collection

This company calls XXXX times a day, every day, calls my work phone and cell phone after being told a long time ago not to, and has called multiple times after XXXX. XXXX times they will call and nobody will be there when I answer, and they never identify themselves through voicemail.
Product: Checking or savings account

I was made XXXX  on my Fiance account - I verified everything with BOA including the copies of the will. 
They will not release the funds in accordance with NJ state law & are freezing the account because of an outside influance that has made untrue alligations. 
I provided them with all of the information required & I was assured by XXXX bank managers that the funds would be released- I am now 60 days and had to hire legal counsel.
Product: Student loan

On XX/XX/XXXX I was granted an administrative forbearance until XXXX  due to some person issues within my family and lack of employment. However I received another notice that my repayment will start XX/XX/XXXX. I have tried to contact someone via phone only to be met with a busy signal or waiting on hold for hours. I attempted to use the chat and was told I needed to resubmit another application. This is extremely frustrating because I am getting no answers as to why this changed. I am not able to submit an online application I have to print the application. I dont have access to a printer.
Product: Credit card or prepaid card

XXXX ) A charge of {$16.00} was processed on my Wells Fargo credit card on XX/XX/XXXX ( Can be found in the pdf statement dated XXXX ). Reference number XXXX XXXX ) I got a notice of a pending payment on my credit card, so I paid the balance off on XX/XX/XXXX ( Can be found in the pdf statement dated XXXX ) XXXX ) I realized the transaction was a fraudulent transaction and reported it to Wells Fargo ( Can be found in the image file XXXX ). 


XXXX ) WF fraud team got in touch and wanted me to contact the merchant ( XXXX ) directly. I got in touch with XXXX and got the charge revoked. The card was linked with a different user account ( no information on whose account it is ). Card unlinked from account XXXX ) WF fraud and customer care team confirmed that transaction has been disputed, promised written resolution and refund of paid amount ( {$16.00} ). Credit card cancelled due to fraudulent transaction XXXX ) Same charge re-appears in the statement a couple of months later ( Can be found in pdf statement dated XXXX ). Interest has been charged, the payment is not reflected and a late payment has been reported to the credit agencies XXXX ) I try to get in touch with XXXX fraud team online and over the phone. No response from either team XXXX ) I physically go to a XXXX branch and have a staff member connect me with XXXX fraud team. I am assured that my balance is clear and my credit report is clear as well. I checked my credit score and the late payment is still on my record ( as of XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. I ask Experian XXXX and XXXX Can you please delete and block the following information on my credit report. XXXX, XXXX and Experian refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't belong to me.To delete and block the follow fraudulent accounts, per the FCRA 605B. 
See attached
Product: Credit card

Subject : Complaint against Macys of payment for account # XXXXXXXXAttachments : XXXX = XXXX PagesDear Sir/Madam, On XXXX XXXX, XXXX I 've visited Macy 's store at XXXX XXXX NY I purchased the items shown in the attached receipt page # ( XXXX ) paid all in full, while I was paying I requested the discounts announced all over the store, the cashier mentioned that the savings are available on a condition if I issued Macy 's card which was received a month later and was never used as I never went to the U.S.A again. 

Nevertheless, in XXXX XXXX I 've received a bill from XXXX requiring a fees of {$84.00} which they mentioned it is the card fees I immediately issued a check valued XXXX to cover the currency difference as shown in Page # ( XXXX ). At XXXX XXXX I returned back from traveling and founded a punch of bills from Macy 's for delayed payment with added interests which exceeded 150 % in 6 month although in page # ( XXXX ) it is clearly mentioned the annual interest is 24.5 % which is {$21.00} / {$84.00} by XXXX XXXX, XXXX ; I immediately called Macy 's who confirmed the check was issued on time but they mentioned it did n't go through because it is coming from XXXX bank which I could n't believe. 

Any way reference to a call from Macy 's payment research referred to notice payment employment # XXXX I 've reached an agreement with Macy 's to send a money order of US {$110.00} as shown page # ( XXXX ) money order # XXXX issued in US funds with a bank proof that this money dated XXXX XXXX, XXXX and a prove of payment received from Macy 's on page # ( XXXX ) and page # ( XXXX ). 
In addition to the above agreement we also agreed that any fees or interest is not my responsibility since I 've shown the good will through the last period since I 've received your bill I 've immediately sent you check but for different reason you were not able to cash the check which is not my mistake and not done on purpose ; therefore I 'm not responsible for any further fees or interest as your Macy 's card was never used by me and my accountant never had returned or rejected checks and in addition to that in XXXX XXXX I 've instructed Macy 's to cancel this card. 

I 'm astonished from the latest bill dated XXXX XXXX, XXXX of a value {$190.00} fees for what? As shown page # ( XXXX ), I 've never used your card and I 've asked to cancel it since XXXX XXXX. 

I am expecting that this issue would be ended ASAP and I should receive from Macy 's a letter that this case is finalized and I do n't owe Macy 's any money. 
Please revise the above attachment including all poof documents included in the XXXX pages and a separate attachment from XXXX of XXXX services customer protection page # XXXX, accompanied with other proves that I 've sent this payment to close the case of this bill. 

Finally, I would like to inform your stores management and company that I was shocked from the level of disqualified service of treating customers this was the worst treatment I 've received in my life which was not expected from such a big famous store. 

Thanks and best regardsXXXX XXXXCell : XXXXXXXXEmail : XXXXXXXXXXXX
Product: Payday loan, title loan, or personal loan

This company is a unlicensed loan lender in my state. From XXXX I have borrowed {$2100.00} and have paid back {$2400.00}. I have over payed them {$310.00} in fees and interest. I have emailed them asking for a refund in the amount of {$310.00}. They claim I still owe them an additional {$1300.00}. I also told them in my state since they aren't licensed I owe only the principal amount. I have paid the principal and asked them to consider my account paid in full. I want a refund in the amount of {$310.00} sent to me by paper check and for my account to be marked paid in full. In my state if a company isn't licensed they can't charge fees or interest. They claim to be exempt from the law, they are a native american tribal lending company. I have revocated automatic achieve authorizations and wage assignment 's from them also.
Product: Credit reporting or other personal consumer reports

XXXX XXXX DOB :XX/XX/XXXX XXXX  XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : Dispute 1 Account Number : XXXX Source of dispute information : XXXX  XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

Dispute 2 Account Number : Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Dispute 3 Account Number : Source of dispute information : XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 4 Account Number : XXXX Source of dispute information : XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 5 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 6 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Dispute 7 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Lease Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Dispute 8 Account Number or other information to identify account : Source of dispute information : Type of disputed information : Dates associated with item being disputed : Explanation of item being disputed : INQUIRIES : Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX  XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 



Sincerely, XXXX XXXX