23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX claims Bank of America transferred servicing of loan number XXXX to them. Loan number had a XXXX balance when Bank of America transferred it. However, XXXX indicated the loan was greater than {$80000.00} past due when transferred. 

On XX/XX/XXXX, XXXX Bank of America 's Loan XXXX reinvestigation indicates the loan balances are XXXX, date closed XX/XX/XXXX. Notwithstanding, the loan history does n't show any delinquencies after XX/XX/XXXX. 

Therefore, XXXX/XXXX/XXXX, the loan balance was XXXX as well. There was no balance due when the loan was transferred to XXXX. At the very least, XXXX 's transfer loan data should be the same as their predecessor 's. 

I 've been disputing this collection since XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Dear Jefferson Capital Systems , LLC, I am writing to formally demand that you immediately cease and desist from reporting inaccurate, outdated, or unverifiable information regarding Jefferson Capital {$300.00} Account number XXXX This communication serves as official notice under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my XXXX credit report, I discovered negative information you reported that I believe violates my consumer rights. Specifically, [ describe the issue, e.g., the debt you are reporting is inaccurate, unverified, or has exceeded the statute of limitations for reporting ]. Under federal law, all information furnished to credit bureaus must be accurate, complete, and verifiable. 

Furthermore, your continued reporting of this information constitutes harassment and a violation of my rights as outlined in the FDCPA and FCRA. This letter serves as my formal dispute of the information reported and a demand for its removal. Additionally, I request that you provide : 1. Verification of the Debt : Provide all documents, records, and evidence substantiating the validity and accuracy of this account.

2. Immediate Correction : Remove the inaccurate information from my XXXX credit report if verification can not be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Macy 's account was closed and charged-off. Macy 's kept the account in-house and I made payment arrangements to pay the account with XXXX XXXX XXXX XXXX. For each month that I made a payment, Macys ( Citi ) continued to report the account as charged off each month. The definition of a charge off : A statement by a creditor ( = someone who is owed money ) that a debt will probably not be paid and is counted as a loss. For most account types, a charge off will occur after 180 days of missed payments. 

A charge-off can only occur ONCE in the lifetime of an account. A charge-off is a single ( singular ) statement that an account most likely will not be paid. 

Macy 's ( Citi ) Is re-reporting the original charge-off that occurred on the account every month EVEN WHEN I HAVE BEEN MAKING PAYMENTS. 
XXXX shows FP for this account every month which means Failed to Pay. On another screen in XXXX it shows CO every month for Charge off. This is NOT fair credit reporting. An account can only be charged off ONE TIME. Why does a creditor, that keeps an account in-house get to continuously report the account as a charge off every month? Not a single person from Macys, Citi or the CFPB could show me anything in writing that states If a creditor keeps your charged-off account in-house they can report the charge-off every month until paid I am going to need to see proof of that in writing effective before my accounts were charged off to agree with this process. 

Fair credit reporting is important. My account was charged-off, I take responsibility for that, and I am paying off the balance. You all need to do one-of-two things. Add a CP for charge off being paid or charge off in payment status OR only show the original singular date of charge off. THAT is accurate credit reporting. Showing FP and CO every month for accounts that are or are not being paid is malicious and spiteful. 

I dont want this changed on just my account, I want it changed for EVERYBODY and I want it retroactive for all the accounts that are impacted. My account was in good standing for 5 YEARS before I reached my financial fail and this is the payback I get for paying this account IN-FULL, balance fees interest and all. They get a tax write-off for the charge off. Do they have to pay the IRS back?? 

I want to see documentation that this creditor can perform this type of monthly negative reporting on my credit report in writing or I want all the credit reporting RETROACTIVLY changed for EVERYONE who has had this experience with any and all creditors.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the EXPERIAN credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

I took advantage of XXXX online promotional offers on Bank of America credit card. XXXX of the XXXX have XXXX % APR until a certain date. The XXXX APR is XXXX % until XXXX, XXXX. At the time of applying online for the direct deposit offer, the information provided informed me of the basic terms. Interest would accrue at a rate of XXXX percent until XX/XX/year>, then any remaining balance would accrue at XXXX  % apr. It did not mention how payments will be applied inconjunction with any other promotional offers on the account. The customer service agent stated that promtional offers are paid off in the order of expiration, which was my understanding when I applied. I was then informed that a majority of the {$3200.00} payments I made over the last XXXX weeks was being applied to the offer that expired at in XXXX  because in the fine print of the credit card statement it states the any payment amount over the minimum balance will be applied to the promontional offer with the highest interest rate. And there was no way to apply my payments to the offers with XXXX  % apr until I pay off the offer with the higher rate of XXXX. Resulting in me likely be force to paid over XXXX  % interest on XXXX rather than XXXX on the same amount. Had it been clear I would not have taken advantage of the offer
Product: Credit reporting or other personal consumer reports

Since XX/XX/2024 till now I've filed multiple disputes regarding my student loans being totally discharged and paid in full. There is XXXX MONEY OWED TO XXXX XXXX XXXX. ALSO XXXX XXXX XXXX is reporting a COLLECTION ACCOUNT in the debt amount of {$10000.00}. This account was opened online fraudulently due to identity theft. I never resided at the address on this account. This address is not on my credit report. PLEASE DELETE THIS FRAUD ACCOUNT FROM MY CREDIT FILE.
Product: Credit card or prepaid card

I bought tickets to a show for XXXX from the merchant XXXX XXXX. My card was charged for XXXX - the merchant had added over XXXX in service fees to the purchase after checkout. This higher amount showed up on my credit card as a charge and in a receipt the merchant mailed me. 

I immediately notified the merchant that I only agreed to the initial price and that the service fees were never presented to me until after the fact in the receipt I was emailed. I told them that I did not agree to the amount I was charged but they refused to reverse the charge or stop the " order. '' I had not received any merchandise or services at this point. 

Since the merchant refused to remedy the situation I contacted my credit card company, Citi, and started the process to execute a chargeback. After taking some information such as the name of the merchant, the nature of the dispute, and my account information, Citi issued me a conditional credit for the chargeback. 

XXXX months later Citi sent me an email saying that they reversed my chargeback and included documentation from the merchant regarding the purchase such as email correspondence between myself and the merchant regarding the attempt to remedy the situation as well as the merchants policies. 

I was never given a chance to present any evidence regarding the fraudulent charge on my card. This evidence would have included the fact that I immediately contacted the merchant to resolve the issue, the fact that I never accepted delivery of tickets to the show, and a long history of predatory overcharges to other customer 's credit cards from this same merchant. 

The merchant was given ample opportunity to make their case to Citi and I was n't given any. This seems like textbook credit card fraud to me which Citi was totally complicit in.
Product: Money transfer, virtual currency, or money service

My previous case ( XXXX ) with suntrust/truist was closed and somewhat resolved. I was notified that check # XXXX was sent to my previous address, but I never received the check as that address on file was incorrect. Truist representatives are still no help in trying to get another check issued for {$340.00} to my correct address which is XXXX XXXX XXXX. If possible I would like for another check to be issued as I never received the first one. Thank you.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  XXXX This account is listed innacurately amongst all 3 credit bureaus. The " Date of Last Activity '' is showing a different date each for Experian, XXXX and XXXX. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) 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. 

This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.
Product: Money transfer, virtual currency, or money service

My account was hacked and I filed a dispute back in XXXX and I was trying to add information to them disputes but I was not able to my dispute was filed one day then the next day it said that the dispute was found valid so I waited to file another dispute because I did receive a email saying that my account has been flagged I was not going to let a theft happen with my hard earned money I had to file a police report which took me a while because my identity had been stolen and I wlhave been working with many different creditors and companies trying to gather information when I filed a dispute in XXXX paypal found all the dispute in my favor and said they were unauthorized so I did no wrong I still wasn't able to provide information that helped my case but the case was ruled in my favor and after it was ruled in my favor my account was shut down then a 10 second review my account was immediately banned and my money is being held I have attached a police report which shows that my identity has been stolen and my accounts have been compromised so if I need to provide more information that helps my case and get my account unlocked I have more information that proves further in depth that I have had my identity stolen and accounts hacked have sent as much information as I can the only question I have is my did paypal choose to dispute some of the items I disputed back in XXXX and close majority of the items saying no error occurred and I was abusing the system back in XXXX I was never allowed to give any additional documentation to help my case it was reviewed in 1 day and said no I know my case has not been reviewed because I never was allowed to send additional information when I disputed the items a second time so within 1 day paypal found that everything I disputed was intact fraudulent without me ever sending any additional information but also closed all cases in my favor and locked my account I just want to know why I wasn't able to provide information the first time because my account would not have been locked if I could have provided a legally binding document like an police report which states that I was a victim of identity theft and had my identity stolen
Product: Debt collection

I have asked LJ Ross Associates to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I havve been paying my student loans rigurously. On XX/XX/XXXX XXXX reported a late payment which was not my mistake and have not removed it form the 3 credit reports  until today.. It has been the mistake of all the representatives that are not doing the job correctly and are reporting whatever they want. I contacted them to removed the late fee from my 3 credit report agencies. 

Yesterday and Today I had received 2 alerts. XXXX is reporting again on all the 3 agencies. 

XX/XX/XXXX, reported late again ( 2 negative items on XXXX ) Yesterday XX/XX/XXXX ( 3 late negative items ) when I have been paying on time I am tired to deal with XXXX. 
they keep changing and sending letters of changes on the loans and kept changing the due dates as they pleased. MY payment dates are on the XXXX of each month and they kept changing date and loan terms, then they report you as late. 


everytime I have a problem with them I need to recur to this agency becuase they lock the phones, theire representatives dont answer correctyl. Even if you pay your loans on time. They keep calling you to make payments that are already made.
Product: Payday loan, title loan, or personal loan

I borrowed several loans from this company and paid them ALL off. I went in another time to borrow some money and I remember not borrowing the full amount of my approval because I wanted to be able to pay it back. I borrowed about a XXXX dollars. Well, something happened and I had to go inpatient for 90 days. When I came back home my car was gone, everything I had was gone, someone I trusted robbed my whole life. So ofcourse I filed a police report, etc. 
Well, I got a call from the loan company and I explained to her how I had just got back and where I had been and that my car was gone. They said they needed a police report. But when I called back and gave her the police report information she then said that wasnt enough! Now in order to stop the interest, they said, they needed the car. I said I dont have the car cause if I did i would turn it in! I didn't have it! Period. How am I supposed to pay this off if the interest is so high already and now I can not stop it and im just coming back with nothing. Oh well she said. 
Well, I tried to get ahold of someone else in corporate office but they are not reachable. They have no way to talk to someone in the upper levels. I tried. I found some corporate office in Georgia but there is no number to call. I called the local office and asked for this information and they said they couldn't give it to me. 
With no luck there, I gave up. So now they send me letters every month. I borrowed a XXXX dollars and I owe XXXX dollars?! This is purely insane, purely interest too. I do not know what else to do so hoping that CFPB can help me to rectify this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Validation of an account being reported by Lexis Nexis. I have information from the original account holder that states they have never given any of my information personally to Lexis Nexis or any other data furnishing company. I sent Lexis Nexis a validation letter on XX/XX/2020, which they received on XX/XX/2020 certified mail. I have not received any mail from them to date.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Equifax Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand tp see verifiable ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the original creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX. XXXX XXXX In addition,

DELETE all non-account holding inquiries over 30 days old. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were opened using my credit profile that I filed for identity theft due to : XXXX XXXX XXXX XXXX - {$410.00} XXXX XXXX - {$12000.00} XXXX XXXX XXXX - {$710.00} XXXX XXXX - {$1600.00} XXXX XXXX XXXX XXXX - {$180.00} XXXX XXXX XXXX - {$240.00} Midland Funding LLC - {$710.00}
Product: Credit reporting or other personal consumer reports

This company has refused to remove inaccurate information from my credit they have not sent me anything with my signature on accounts that are not mine. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy 15 USC 1681b 2. They also have no permission to rep ANYTHING using my info pursuant to 15 USC 1681 4.
Product: Mortgage

My home equity line of credit with TIAA bank was recently handed over to XXXX for XXXX While still under TIAA, I was able to make payments online to both principal and interest any time I wanted. Now that XXXX has switched over to XXXX, I have only once been able to make a payment online. Every other time, I have had to call them, wait on hold for at least 20 minutes each time, and have often been given incorrect information about my ability to make a payment. 

Here 's the timeline : XX/XX/2021 - I received an email stating that my TIAA HELOC would be transferred to XXXX for XXXX XXXXXX/XX/2021 - received an email stating that I had a new loan number ( at this point i could still login and make payments on the old website ) XX/XX/2021 - I set up my new username and password on the new site and received an email stating that my registration was complete. However, I could not use the site to make a payment. I got an error stating that I had to call to make a payment. 

XX/XX/2021 - I got another email stating " Your mortgage servicing transfer is complete! '' - Still could not make a payment online XX/XX/2021 - I called to make a payment over the phone. Was transferred a bunch of times. Finally got to a person who said they could only take a {$10000.00} payment, which is what I did. She applied my interest-only payment of {$830.00} and the rest to the principal. 

XX/XX/2021 - I once again had to call to make a payment over the phone. They would only take a {$10000.00} payment. Even though I had just made a payment, they applied {$1000.00} to my interest-only payment and the rest to the principal. 

XX/XX/2021 - I tried to make a payment online. Got the same error message. I called and after 20 minutes of being on hold, the call was disconnected. I called back to make a payment and was transferred 3 more times. The reps are always friendly but it seems like anytime they get a call they don't like, they just transfer it back into the queue. I worked in a call center years ago so I know that's a thing they do. The 4th rep I got to was helpful and said that I could make a payment over {$10000.00} but he just needed to get supervisor approval, which he did. 

I'm not entirely sure my variable interest rate is being calculated properly but I haven't been able to work out the numbers just yet. 


XX/XX/2021 - I was finally able to make a payment online in the amount of {$17000.00}
Product: Mortgage

I received a catastrophic injury to my XXXX, I had XXXX surgery XXXX months ago. My pay benefits from XXXX ran out in XXXX of 2015. I was forced to retire at age XXXX. My monthly income has been severely decreased, and I am barely hanging on to my home. I reached out to Keep Your Home California ( KYHC ) for help. KYHC found that I am eligible for a principal reduction. I order to get a principal reduction, I must work with my loan servicer, Bank of America. Bank of America is refusing to give me a loan modification thru their Hardest Hit Fund- Principal Reduction Program. My eligibility with KYHC will expire on XXXX XXXX, 2015. I have sent in evidence of my physical condition, doctors verification, pension award letter and more. Bank of America is unwilling to help. Bank of America is insisting that I commit to a short sale, or keep the Balloon ARM mortgages that I have with them. The same type of mortgage that I had with Countrywide. I am current on my mortgage payments for now, however I am not sure how long I can keep up with these payments. My second mortgage will increase next month. I really need help with Bank of America before it is too late.
Product: Debt collection

I have been getting few calls a week since XX/XX/XXXX of last year from Capital accounts. I have asked them many times that that I do not owe or know of any company by the name of XXXX. I have never lived or been to XXXX. They have failed to validate this account or send me any documents. I have advised them if they represent Open XXXX of XXXX XXXX, then my balance with them is only {$200.00} and I be gladly pay for it, as long as their negative reports gets removed from MY CBR. 
This Company always calls from a Local number but that are not in XXXX nor have any office here in my Home State. Every time I tell them this, they either Hung up or call the next day. I have asked them not to contact me on My Mobile phone, but they still do. I have yet to receive a single document or a letter from them. I respectfully dispute the validity of the debt and the amount.