23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing this complaint against Jefferson Capital Systems for attempting to collect a debt that I do not owe to them. The alleged debt originates from XXXX XXXX ( XXXX XXXX ) for a defective refrigerator they sold me and refused to repair. XXXX subsequently charged off this debt years ago and benefitted from an IRS tax credit. 

At no point have I conducted business with Jefferson Capital Systems on or about XX/XX/year>, nor have I entered into any financial agreement with them regarding this debt. They are now attempting to collect {$2000.00}, an amount they have reported to XXXX, XXXX, and XXXX, negatively impacting my credit report. Since XXXX charged off this debt and received a tax benefit, Jefferson Capital Systems has no legal standing to collect it. 

Additionally, XXXX failed to send me the required IRS Form 1099-C, which should have been issued when they charged off this debt. This raises concerns about whether XXXX properly reported the charge-off to the IRS, potentially indicating tax fraud. If XXXX received a tax credit on the charged-off debt, then they have already been compensated, and Jefferson Capital Systems can not legally collect on this debt. 

Violations of Federal Law : Violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e Jefferson Capital Systems is engaging in false, deceptive, or misleading representations by attempting to collect a debt that has been charged off and already tax-benefited by the original creditor. 
Misrepresenting the legal enforceability of a debt is prohibited under the FDCPA. 
Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 Jefferson Capital Systems failed XXXX properly verify the debt before reporting it to the credit bureaus. 
Under the FCRA, a debt collector can not report inaccurate, misleading, or unverifiable information on a credit report. Since I do not owe Jefferson Capital Systems anything, this entry should be immediately removed from all three credit bureaus. 
Potential IRS Violations 26 U.S.C. 6050P requires creditors to issue a 1099-C tax form for any debt discharged or canceled in excess of {$600.00}. 
Since XXXX charged off this debt and claimed a tax credit, they were required to issue me a 1099-C, which they failed to do. 
This failure to issue the proper tax documentation could be an attempt to avoid IRS regulations and constitutes potential tax fraud.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

JP Morgan Chase gave me the wrong payoff on my home. I was told by Chase that my payoff included my original loan amount as well as my loan modification I had done a few years prior. I even have a letter signed from an officer at Chase stating that my payoff included XXXX. I sold my house and made {$13000.00} only to find out that I owed {$15000.00} after closing, which is the amount for modification. I had to return money and give an additional {$2500.00}. I would have not sold my home if I knew this. I was misled in believing that when I sold my home I would actually make a little money to help with my debt because the payoff was supposed to include the loan and modification. I am a recently divorced single mother of a toddler and an infant. This ordeal has cost my children their home. I have no home now and no money thanks to Chase.
Product: Checking or savings account

2 of my checks were stolen from a mailbox. The checks were changed and made out to people I don't know and different amounts.they stole {$15000.00} from my account.this happened in XX/XX/2022. The money still hasn't been returned to me. When I first filled the complaint, I turned in a police report and provided all paperwork that I was asked for. I was told that it could take up to 3 months. I am given the runaround and I had to keep turning in copies of the same carbon copies of the checks and the bills I was paying with them. I had talked to XXXX XXXX at Key Bank and XXXX XXXX in client relations XXXX. This is a lot of money to me and I just don't know what to do anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS IN VIOLATION THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. 
XXXX XXXX XXXX .... Balance : -, XXXX XXXX  XXXX .... Balance : -, XXXX XXXX XXXX XXXX : {$6700.00}, XXXX XXXX XXXX XXXX : {$8300.00}, XXXX  XXXX XXXX .... Balance : {$950.00}, XXXX XXXX XXXX .... Balance : {$11000.00}, XXXX XXXX XXXXXXXX XXXX XXXX. Balance : {$1600.00}, XXXX XXXX FOR XXXX .... XXXX XXXX {$4200.00}, XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX : {$530.00}, XXXX  XXXX Balance : {$800.00}, XXXX XXXX XXXX... XXXX : {$3200.00}
Product: Student loan

As part of the CARES act interest on Federal Student Loans was to be waived due to Covid 19. I am still being charged interest. Navient states that my loans don't qualify because they were not funded by the US government even though they are federally subsidized student loans with interest rates set by congress.

I don't care who lent the money, they are federal student loans that are guaranteed by the US government so I should not be charged interest on the loans during the period that the CARES act covers. Navient is charging interest on these loans in violation of the act.
Product: Checking or savings account

I opened Citi Priority Account in late XX/XX/2021. After a few days, Citi bank locked my account due to fraud protection and took more than a month to unlock my account. During the time under investigation by fraud protection team I did not deposit any fund to the account. After the account is unlocked, I deposited new fund over {$50000.00} in total to Citi Priority Account. Finally Citi declined me the welcome bonus offer as they said I didn't put money in in the first 20 days.
Product: Credit reporting or other personal consumer reports

I have attached a FTC report containing 5 fraudulent accounts with this report as well as these 3 fraudulent inquiries ( XXXX XXXX  ) ( XXXX XXXX XXXX ) ( XXXX  XXXX ) all listed on my TransUnion report.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX ( XXXXXXXX XXXX  ) Account name : XXXX XXXX XXXX ( XXXX XXXXXXXX ) has violated my rights. 

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

These Accounts doesn't Belong to me : 1. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please Remove This Inaccurate Account 3. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report. 

4. IThe following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number  : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, This correspondence is in response to the complaint LexisNexis Risk Solutions Inc. ( LexisNexis ) received from your office on XX/XX/2022 on behalf of XXXX XXXX in which XXXX XXXX XXXX alleges he is a victim of identity theft. 

We're pleased to provide the additional information your office requested please view attached documents. 

XXXX XXXX XXXX sent documents LexisNexis requested to verify XXXX XXXX XXXX identity such as ( state identification, billing document, social security number, and final FTC affidavit
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ) specifically, CashApp fail to take timely and effective measures to prevent and address fraud on their platform, leaving account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Election Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss and seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$470.00}
Product: Credit card or prepaid card

On XX/XX/2022, I paid my SoFi personal credit card statement balance in full ( over {$2500.00} ). The credit card company 's own app showed that the payment posted ( not pending, but posted ) on XX/XX/2022. The payment is also shown as having been drafted from my checking account at another bank. I have tried to use the card, but it is being declined. I called customer service and was told that the payment posted but that I would need to wait another 2-5 business days before the payment would actually be credited to my account. I don't understand why they are showing the funds as posted, drafted out of my deposit account, but SoFi will not acknowledge that payment for several additional days. I have never missed a payment and have not overdrafted this account. It appears that the card company is using my funds for several days before after the payment is shown n SoFi 's system as having been posted. This practice of essentially holding funds for a week is depriving me of my use of the funds without compensation. At minimum, it is deceptive and misleading to relay to a consumer that a payment is " posted '' but then failing to actually apply it to the statement balance for several business days. This has caused embarrassment to me when the card was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$300.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit card

The Legal entity ( GECRB HBC ) is reporting negative debt on my credit file, but this company does not exist as doing business in XXXX and the contact number provided for the negative report belongs to Synchrony Bank XXXX. XXXX XXXX XXXX, FL XXXX in the United States. I called Synchrony bank at the number reported on my credit file ( XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX ) and spoke to XXXX. XXXX checked for my name XXXX XXXX and my date of birth in their records and stated : " we do not have you in our records on file maam ''. GECRB XXXX is not a legal entity doing business in XXXX. I would like this negative report removed from my credit file from XX/XX/XXXX -Equifax confirmation # XXXX. Attached Document : print screen of my XXXX credit report on XXXX XXXX, XXXX Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written to XXXX, Equifax and XXXX 3 times in regards to XXXX   XXXX ( as well as several other issues on my credit report ). XXXX  took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Product: Student loan

XXXX XXXX XXXX told me they were taking over my loan because I am a XXXX XXXXr in the XXXX repayment program. They told me not to deal with XXXX anymore. I paid them {$700.00} and I do n't have that kind of money. They directly lied to me. They stated they would be managing my loan.
Product: Bank account or service

1 This complaint is directed to XXXX XXXX XXXX JPMorgan Chase, to personally answer these questions. 
1. ( a ). I have a checking account with JPMorgan Chase account XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/16 I called Chase to dispute XXXX charges on my debit card under The Fair Credit Practice Act. 
XXXX. I talked to a claims person who refused to make a claim, she violated the XXXX by not opening a dispute on these XXXX charges to my account. 
4. On XX/XX/2016 this unqualified supervisor in Claims close my account because she said I had to many claims on my account. 
5. I would like a copy of the written policy on how many claims a customer can make on his account. 
6. All claims I have made on my account has been ruled in my favor by JPMorgan Chase. 
7. Please have Chase send me the written policy that if a customer makes a certain amount of claims, Chase can close there account. 
XXXX. JPMorgan has caused a injury to me bt closing my account with out a chance to respond to there allegation that I made XXXX many claims on my account. 
9. I am a XXXX senior citizen.
Product: Payday loan, title loan, personal loan, or advance loan

We, XXXX XXXX XXXX XXXX, financed a {$50000.00} solar panel system through GoodLeap, facilitated by XXXX XXXX XXXX. My contract with XXXX XXXX included a XXXX labor warranty, which was a key component of the system 's value. XXXX XXXX has since filed for XXXX  XXXX bankruptcy ( XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX  ), rendering the labor warranty void. This materially diminishes the value of the financed system, as I am now responsible for future labor costs. XXXX has refused to provide any resolution despite repeated attempts to address this issue, leaving me to pay for a system that no longer holds its promised value. 
Additionally, during the sales process, XXXX XXXX XXXX, the vendor for XXXX XXXX, engaged in misleading and deceptive practices, including : - Misrepresentation of the financial benefits of the solar system, claiming substantial savings that have not materialized. I was informed my electric bill credits would be far higher than the {$50.00} {$80.00} I currently receive monthly, while my financing payment is {$310.00} per month, resulting in a net loss. 
- Misleading statements about tax credits. The salesperson falsely promised that the tax break would fully cover a portion of the system 's cost, which has not occurred. 
- Failure to provide accessible customer support to address concerns during the cancellation window, effectively preventing me from canceling the contract in a timely manner.
Product: Student loan

I have been contacting MOHELA and FSA since XXXX of XXXX trying to get payment counts, date I reached eligibility for PSLF and IDR forgiveness, and when I will receive a refund. I have several tickets open with MOHELA and FSA since XX/XX/XXXX but no one has provided this information. Ive only received XXXX call back from a supervisor in XX/XX/XXXX who stated another ticket has been opened for review. Still no response from MOHELA or FSA.
Product: Debt collection

The Bureaus Inc, has stated per " No. of Months ( terms ) '', I have a '1 month term '' with them for account # XXXX. This is incorrect. This was charged off by XXXX XXXX, there are no more terms with them. What terms and agreements did I sign and agree with The Bureaus when they purchased this debt? None. So this is inaccurate. ( Please note : even the 2 year payment history states " CO '' /Charged Off, so no payments past due to The Bureaus ). Please send proof of contract signed with The Bureaus for this " 1 month term '' that I signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Data breach. Extention of credit fraudulently. Meanwhile credit score too low for me to pull it.
Product: Debt collection

I received an email from XXXX XXXX, ( XXXX ) XXXX from MCA Collection Agency on XX/XX/year> that belittled me. She was trying to bully me and even threatened me to pay the bill. She told me that she would report me to urgent care from which the bill is from to inform them not to service me anymore if I need medical attention. She told me I wasnt intelligent because I didnt pay my bill. She sent me a copy of my license as well which I find a breach of privacy
Product: Debt collection

I m the victim of an on-line work at home scam, the work was to be a purchasing agent, the scam involved paying off my credit card balances so that I could then make purchases to be shipped, the scammer used an account from XXXX XXXX XXXX  to pay off the balances of 3 capital one cards and one card from XXXX XXXX, when I called the banks to seek fraud protection, they conducted an investigation and stated that because I made the purchases it was not fraud, when I further tried to explain that when the payments were returned back to XXXX XXXX that the XXXX XXXX account was fraudulently obtained and funded that credit cards by money transfer from a XXXX XXXX account, XXXX XXXX advised there was nothing they could do and refused to help.I have the account number and routing number that was given to me by the scammer and I have all the email documentation, a police report and a letter from the state attorney General, the banks say they conducted an investigation but did not want any of my documents to assist them on my behalf, XXXX XXXX wont discuss the matter with me stating they do not give out third party information and since I am not a customer with an account, they can not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently reviewing my credit report, I noticed these accounts are still being reported inaccurately. I have sent them correspondence disputing this inaccurate information. CREDIT COLLECTION SERVICES has failed to provide me with a copy of any viable evidence, bearing my live signature. I have never done business with CREDIT COLLECTION SERVICES, nor have I signed any contracts with this company. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. I am requesting CREDIT COLLECTION SERVICES delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports along with the false information.
Product: Debt collection

I sent Bank Of America a letter onXX/XX/XXXXand I am requesting that someone please investigate the matter ASAP.
Product: Credit reporting or other personal consumer reports

Now Equifax is making matters worse for me they removed and valid current addess that they had n placed one they never should had removed I told them not to remove the XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL keep that on my file do not remove besides them adding other current valid addess XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX harm still being caused by them XXXX XXXX XXXX And two unauthorized inquires XXXX XXXX XXXX XXXX XXXXXXXX that I do not have any open accounts nor ever any relationship with