23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is in reference to Jefferson Capital Systems , Inc. This debt has been sold multiple times and each new company reports the account to my credit with the date that they purchased it, which is incorrect. This bureau can see that I have reported this debt as fraud on XX/XX/XXXX. The original date that this account went into arrears was in XXXX. Yet, it is reported to my credit with a date of XX/XX/XXXX. This is significantly infringing on my XXXX window. The time doesn't restart just because that's when they purchased the debt. Further, I have provided XXXX with a police report and shown that the account was a fraud committed against me when XXXX of their own employees stole my information and added lines to my account without my knowledge. However, they have determined that just because I knew the individual that it could not be fraud, which is absurd. People commit crimes against people they know all the time. The amount of the debt is currently listed as {$3800.00}. 
This debt should be at a point where it is not even reportable any more, as it is XXXX, which is 7 years after the original delinquency in XXXX.
Product: Credit card or prepaid card

I signed up Upgrade card in response to the attached promotion offer through XXXX XXXX. My card was approved XX/XX/22. I spent XXXX immediately and paid it in full XX/XX/22. After that I made some purchases and made a total XXXX on time consecutive payments. 
I called Upgrade several time, they confirmed to me I have fulfilled the promotion requirement and I will get the XXXX promotion credit. 
Now they told me I was under different promotion offer. The point is if I applied the different offer why don't they told me that while I called them after I spent XXXX. 
Besides, while I called them none of their agent told me I need to open their checking account and make 3 ATM card purchases. My checking account was open XX/XX/22, 2 months later. That is the proof I was not signed up the offer for XXXX credit after 3 ATM purchases. Otherwise I will not open a checking account 2 months later.
Product: Credit reporting or other personal consumer reports

4th request Subject : Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I forwarded correspondence to your attention requesting the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft. To date YOU HAVE FAILED TO REMOVE THE ITEMS WHICH IS A VIOLATION OF THE LAW. 
I am writing to formally request, for the third time, the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Equifax data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. The fraudulent accounts in question are as follows : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX As per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party.

I expect a written confirmation from your office once the fraudulent accounts have been blocked and removed.
Product: Consumer Loan

My husband surrendered a vehicle that we jointly owned in his chapter XXXX bankruptcy. Before his confirmation, I contacted Chrysler Capital to see if they could put me on a program to pay back the arrears while I continue making payments on the car. The customer service representative said that the trustee in my husband 's bankruptcy case has not released the vehicle from the bankruptcy yet. I waited another week until I called again, this time I was sent to the bankruptcy department. The bankruptcy department immediately told me that I had to give them {$10000.00} in order to keep the car. I told them the vehicle has XXXX miles on it and could they work with me ; they told me no. A week later, I get a letter in the mail stating that I had better give them {$38000.00} by XXXX/XXXX/2016 or they will repossess the car. I do n't think that it is fair that they treat me this way, especially when I am trying to keep the only vehicle I have and protect my credit. 

Can you help me please?
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have inaccurate late payments on this account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Account : ( XXXX ) : ( XXXX ) Please remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures algin with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I cosigned a private XXXX XXXX Loan for my wife. In XX/XX/XXXX, we had financial hardship and the loan went into default. The last payment on this loan was in XX/XX/XXXX. XXXX XXXX NEVER reported to the credit bureau the loan going into default in XX/XX/XXXX In XXXX, XXXX XXXX sold the loan to XXXX who took it over and reported the loan being in default in XXXX, which is not accurate, and therefor it re-ages the loan by 2 years which is also illegal. I have made multiple disputes on my credit report about this issue and it has not been fixed. I have also contacted XXXX directly and they refused to update the information correctly on my report. XXXX told me my last payment was in XXXX so requested proof from them of the last payment on the account and they could not provide it. I have bank statements attached that prove when my last payment on that loan was in XXXX of XXXX and no further payments were made after that point
Product: Credit card

Company Reporting information I have know knowledge of and do not want Reporting to my consumer report I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit card or prepaid card

XX/XX/XXXXIn XX/XX/XXXX my husband and I went to the sears store to purchase a refrigerator and we wanted to use our current citicard to make to the purchase. BUT the sears sales person insist that if we apply for a sears card there will be no interest charged for the full purchase $XXXX (the total charge for the fridge), and we would just make our monthly minimum payment.I setup bill pay on my bank account because I travel a lot and do not want to miss my payment.OnXX/XX/XXXX after returning from my travel, I received a sears bill in the mail. I opened it and noticed the there was interest charged. So I called immediately and spoke to Mr.  XXXX  about the situation. He explained that not only was I charged for the last two months but I was also charged differed interest for the last years totaling XXXX  interests that are added to my total balance. I WAS VERY DISAPPOINTED BUT he could do nothing to resolve the situation.So I was transferred to supervisor XXXX  (ID XXXX). But he refused to acknowledge that the sales rep did not disclosed all the facts and refused to reverse the interest charges.on XX/XX/XXXX  I spoke to ACCOUNT managers MISS XXXX  MISS XXXX,  MISS XXXX   Miss XXXX  and other customer service Mr. XXXX, Mr. XXXX and all of them refused to address the matter and resolved the issues. SEARS SALES REP LIED TO US This sears citi card company are cheating the American people by not disclosing all the fact and are lying to their customers to get them to sign up for their store credit card(claiming there is no interest charge for the total  purchase but later start charging interest). This is their CHEATING SCHEME.  Cfpb PLEASE HELP STOP THIS CHEATING. THANK YOUSincerelyXXXX and XXXX XXXX
Product: Debt collection

After reviewing my credit report I found an entry on the report from a debt collector which goes by the name of SUNRISE CREDIT SERVICE XXXX. Their address is XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, NY XXXX company is also listed on my credit report. There phone number is XXXX The original creditor is XXXX XXXX  I was informed by a man from XXXX XXXX, which is a company that assists consumers correct inaccurate information off of their report, that a DEBT COLLECTOR can not collect this debt. He actually informed me that this practice of trying to collect this debt in their name is against the law, XXXX. I would like a response from this company justifying by law and preferably through the FAIR CREDIT REPORTING ACT. How their actions are justified. I am also demanding that it be removed from my credit report. I would also like to know who at the XXXX XXXX XXXX allows this information on the reports and how does it get added to consumers reports. Who grants the authorizations for the information to be placed on consumers reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a continuation of my complaint, XXXX, where I provided documentation showing multiple payments were not credited accurately on my credit report. 

XXXX XXXX responded back via this portal as follows : " Although we have received payments on your accounts on or around XX/XX/XXXX and XX/XX/XXXX, many of these payments did not satisfy the full minimum payment due, or were not received. Ive enclosed a copy of your statements from XX/XX/XXXX to XX/XX/XXXX for your accounts, which shows the minimum payment due and the payment received. '' The problem with this response is that it fails to acknowledge the agreement XXXX XXXX provided to me during that time in effort to catch up on my balance. 

The agreement stated that my account would be made current once I made three consecutive payments for a specific amount on each of the three cards. The response quoted above suggests that I was not credited for making payments for the months in question because I " did not satisfy the full minimum payment due. '' However, the true " full minimum payment '' was determined by the agreement and not by what was listed on the statement. In order to reinstate my XXXX XXXX accounts, I HAD to make the full minimum payment as defined by the agreement, for which I did, evidenced by the fact the accounts are now in good standing. 

Once again, I request XXXX XXXX update my credit reports accordingly to reflect my XX/XX/XXXX and XX/XX/XXXX payments.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by [ Credit Bureau Name ] . Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 

After reviewing my credit report dated XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Account Name : XXXX Account number : XXXX XXXX. High Balance Discrepancy : o XXXX reports a high balance of {$6100.00}. 
o Experian reports a high balance of {$6100.00}. 
o XXXX reports a high balance of {$5900.00}. 
XXXX. Last Verified Date : o XXXX : XX/XX/XXXX. 
o Experian : Not reported. 
o XXXX : Not reported. 
XXXX. Date of Last Activity : o XXXX : XX/XX/XXXX. 
o Experian : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
XXXX. Date Reported : o XXXX : XX/XX/XXXX. 
o Experian : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
XXXX. Account Description : o XXXX : Profit and loss write-off. 
o Experian : Unpaid balance reported as a loss by the credit grantor. 
o XXXX : Amount in high credit original charge-off amount. 
XXXX. Payment Status Discrepancies : o XXXX : Charged off as bad debt. 
o Experian : Unpaid balance reported as a loss by the credit grantor. 
o XXXX : Charged off account. 
XXXX. Days Late - 7 Year History : o XXXX : No late payments reported. 
o Experian : 60 days late once, 90 days late once. 
o XXXX : 60 days late once, 90 days late XXXX times. 


Given these discrepancies, I request an immediate investigation into these inaccuracies and prompt correction of my credit report. Enclosed are copies of my credit reports from XXXX, Experian, and XXXX highlighting the inaccuracies. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ] I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received an e-mail from experian.com stating my " request '' to block my personal information due to Identity Theft was denied. The e-mail requested that I send in copies of my personal information to verify my Identity. I phoned Experian today at XXXX to request a copy of the " request '' and I informed the Membership Dept, Dispute Dept and Fraud Dept that I Did Not Make the " request '' ( I was transferred to all Depts ). I was told by all three Depts that I was unable to get a copy of this " request '' and that they did not have the request on file. This is very disturbing to me and seems as if someone is being allowed to access my credit profile and report without my permission. I do have a Credit Freeze and Fraud Alert in place.
Product: Debt collection

XX/XX/XXXX the debt collection agency Century Financial Services through their law firm XXXX XXXX XXXX obtained a judgment against me for credit card debt I defaulted on. Since then and at least on four occasion they offered me settlements that I never answered to. On XXXX XXXX, XXXX then sent me an information subpoena that I answered to because they were saying that I might be arrested if I did not reply. Later on after they got my answer they called me on my cell telling me that they did not have XXXX but XXXX judgments for a total of more than XXXX. To avoid to get myself in trouble I told them that I did not know what they were talking about and ask them to send me all information by mail. Rather than sending me the requested information on XXXX/XXXX/XXXX they notified me that they were applying for a wage execution order at the XXXX, XXXX County Court. 
The reason of my complaint is that I know Century Financial Services buys defaulted accounts from credit card companies in bulk for pennies to the dollar, then inflates the debts with various service charges before attempting collection from people like me. 
I do not understand why Century Financial and XXXX XXXX XXXX engage in such activities while your organization has ordered them to stop on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

PRO COLLECT {$3600.00} XXXX {$1400.00} XX/XX/year> As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

On XX/XX/21 I received by mail a Walmart Mastercard issued by CapitalOne bank. I did not apply for this card. This is the 3rd year in a row that I have received a credit card not applied for by me always between XXXX and XXXX, always a credit card affiliated with a big box store ( XXXX, XX/XX/XXXX XXXX, now Walmart ) just after my fraud alerts from the previous instances expired on the 3 credit reporting bureaus, XXXX, XXXX and XXXX. 

1 ) I called the " Administrator '' of Mastercard at the # found in the credit card packet : XXXX and spoke to " XXXX '' who was very nice and said he had to transfer me to Fraud in CapitalOne Bank. He would not give me a direct phone # for them and said he could not cancel the card. 
2 ) I was transferred to " XXXX '' at CapitalOne who asked for my date of birth and last for digits of my social. I refused and asked to be escalated. She would not give me a direct phone # in case we were disconnected. 
3 ) I was transferred to " XXXX '' who insisted I could get no further unless I at least gave the last 4 digits of my social and I very reluctantly did. She said our phone call was being recorded. 
4 ) She SAID but who knows, that she cancelled the card.

5 ) Unlike the other 2 times this happened to me with XX/XX/XXXX CapitalOne said they will only respond to my concerns by phone, not in writing, and it will take 60 to 90 days for them to call. I do not answer my phone if the caller id is from someone I do not know to avoid scams. Unlike to other 2, CapitalOne said that they will not alert the 3 credit reporting bureaus of the fraud, I have to do that myself. 
6 ) The above practices are totally unacceptable, they must respond in writing and must do their jobs to properly report the fraud ; 7 ) Why does this keep happening? 3 years in a row all within 30 days of my fraud alerts expiring ; 8 ) I believe that this is happening due to a breach within one of the entities, XX/XX/XXXX or XX/XX/XXXX 
9 ) I think it is incredible, disgusting and unconscionable that I can now rate the victim experience between 2 banks in their fraud practices.

10 ) I want there to be an investigation to discover the source of who is making these applications using my information, why is no one doing that? 

Please note that CFPB has my past fraud incident on file. They were able to get a written response from the bank and I was able to follow up with that person and that bank from there. I desire the same outcome in this instance and most importantly I want to know why this keeps happening!
Product: Credit card or prepaid card

I REPORTED FRAUD ON MY CHASE VISA CARD AFTER I RECIEVED MY STATEMENTS AND SAW A CHARGE THAT I DID NOT AUTHORIZE AND I HAVE NO IDEA WHO THIS COMPANY IS XXXX XXXX XXXX   THAT CHARGED MY ACCOUNT FOR XXXX. I CALLED CHASE VISA AND SPOKE TO A REP WHO FILED A FRAUD COMPLAINT AND SAID THAT I WOULD GET MY CREDIT BACK ON MY CARD, WELL CHASE VISA SENT ME A LETTER SAYING THAT THE CHARGE WAS TOO OLD AND THEY WERE NOT GOING TO GIVE ME THE CREDIT BECAUSE THE CHARGE WAS FROM XX/XX/2010. I REPORTED THIS CHARGE BACK WHEN I SAW IT ON MY STATEMENTS AND NOTHING WAS DONE SO I REPORTED IT AGAIN.. THIS WAS MONEY THAT WAS TAKEN OUT OF MY ACCOUNT WITHOUT MY AUTHORIZATION.. I LIVE ON A FIXED INCOME AND I CANT AFFORD TO HAVE MONEY TAKEN FROM ME FOR SOMETHING I DID NOT CHARGE MYSELF.. PLEASE HELP ME GET MY MONEY BACK
Product: Checking or savings account

On XX/XX/year> navy federal allowed money to be pulled from my account even though I had the money in there it was on a hold before I can use it but then it still pulled and charge me a overdraft fee of {$29.00} dollars
Product: Mortgage

I am particularly concerned after doing some research about my home i purchased in XXXX XXXX. 

The information I discovered has led me to want to investigate this mortage. As, a first home owner i felt that I was a victim of " equitty Skimmping '' and neglience. Over the years when I was unable to resell my home for nearly the cost of what I paid for it. 

My research conducted that, the house was purchased prior on XXXX/XXXX/XXXX for {$130000.00} and Taxes Assesment at $ XXXX I bought this same home In XXXX XXXX ( less 6 months ) as a young niave XXXX time home buyer. I realized I was over-charged for the home and also taxes. I was led to believe the house cost {$220000.00} $ and {$130000.00} ( Taxes ). I also feel that the appraisal was manipulated and would like that investigated as well. Although in XXXX the market was high however I felt I was targeted and taken advantage of. In addition, I have doubt that the house never was worth or close to {$220000.00} of what they charged me. 

IF you take a look on XXXX, you would also see where I attempted to put house on market and it never sold.In fact im currently in a upside down mortage. 

I dont understand how do a property town tax go from asessment of {$72000.00} to {$130000.00} less than 6 months without any updates. I felt that I was targeted and taken advantage of. 

I believe that this was " Property flipping '' fraud. The home was purchased and resold within a short time frame at an artificially inflated value. This sale involved a fraudulent appraisal, which indicated that renovations were made to the home, when, in fact, there were none, the renovations consisted only of minor cosmetic improvements such as paint. I would like this matter investigated