23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Jefferson Capital Systems is attempting to collect a debt for XXXX XXXX medical credit card. The company has made numerous payment agreements which included an auto-draft payment directly from my account. This payment was not drafted on several occasions resulting in late fees, along the with cancelation of the payment agreement. There was another agreement beginning on XXXX stating the debt would be reduced from {$2500.00} to {$1200.00} which was to be paid over 6 monthly payments. The first payment was made on the date of the agreement. The company requested my debit card information to be spoken aloud over the phone. This information was requested several times to authorize multiple payments although only one payment was due. On XX/XX/XXXX Jefferson Capital Systems was contacted in order to make this months payment. When the representative answered the call and established my account he informed me that the payment agreement that we had previously made had " expired ''. I informed the representative that I had not been informed of any " expiration '' dates for the agreement. I requested the information be provided that detailed and terms and conditions of the agreement to which I discovered there is no available information. The representative would no longer honor the agreement and requested that the payment be made in full, or in two payments.
Product: Credit reporting or other personal consumer reports

I would like to dispute these unauthorized inquiries on my XXXX and Transunion report. 
XXXX XX/XX/XXXX XXXXXXXX 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 accordance with the fair credit report act XXXX XXXX XXXX XXXXXXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX A states I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I received my credit report from XXXX and there is a record of inquiry from American Express that XXXX shared " as a result of my action. '' I never applied, have had, or authorized American Express to access my account. This obviously affects one 's credit score. They either have a forged document or they purposely attempted this action on my credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX and Transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX and Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ). 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB/s recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB rake action to ensure XXXX and Transunion complies with federal law and provides consumers with the necessary proof of investigation. 
Below I have listed the accounts that have not went through thorough investigation. 
- XXXX XXXX XXXX for {$270.00} - XXXX XXXX XXXX for {$10000.00}
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have no knowledge of the accounts listed below. The accounts were place on my credit report that seems to be fraud activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to dispute they would not removed the fraud inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX knowledge of account XXXX foursight capital XXXX -this inquiry is on my credit report twice and is fraud XXXX XXXX XXXX XXXX XXXX XXXX fraud I have no knowledge of account XXXX XXXX XXXX XXXX fraud account is on credit report twice XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX  fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXXXXXX fraud account XXXX XXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX fraud account
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CHARGED AN INQUIRY TO MY REPORT WHICH I DID NOT RECONIZED BEING IN THE EARLY MORNING HOURS ACCORDING TO MY XXXX REPORTS AND I SEE THAT IT HAS BEEN REMOVED FROM XXXX BUT STILL REMAINS ON TRANSUNION. I NEED THIS TO BE REMOVED RESPECTFULLY.
Product: Credit card or prepaid card

I have a credit card with Comneity Bank called XXXX Credit Card. There website has been down at least 6 weeks. You have no idea when a payment is due on the account. I called in this past month and they took the payment over the phone, a day after the due date. 

I just called in and asked that they verify that my bills are digital because I am in the process of moving. I was told that I have to go online and make the request. Keep in mind that their website is down. What do I do as a consumer with this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion to request a verification of information in my credit file. The following accounts are reporting inaccurately on my credit file : XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX. On credit file they are reporting these accounts are included in XXXX  in the pay status section on my credit report. In the remarks they included XXXX XXXX  and XXXX XXXX respectively. They also reported they closed XX/XX/XXXX and XX/XX/XXXX respectively. How can anyone file for to different XXXX ( XXXX XXXX then XXXX with two different creditors )? 
By law you can only file for one or there other XXXX! 

If they conducted an actual investigation wouldn't they discover these are two different XXXX? I dispute that I am liable for either of these accounts and they belong to XXXX XXXX XXXX XXXX. 

I have included documents with my legal name XXXX XXXX XXXX XXXX not XXXX XXXX XXXX XXXX. XXXX
Product: Checking or savings account

My old name XXXX XXXX XXXX was used to open a Bank of America account with account number XXXX opened XX/XX/XXXX and closed XX/XX/XXXX closed under XXXX XXXX XXXX XXXX SC XXXX. I havent lived at this address in over 9 years and last name changed almost 7 years ago to XXXX XXXX XXXX. They also opened an XXXX account under my prior last name XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX  Collection Agency- Account Number # # # # # # XXXX ( no account number provided ) has violated my rights : 15 U.S. Code 1681 Section 602 A- I have a right to privacy.

15 U.S. Code 1681 Section 604A- A consumer reporting agency can not furnish an account to my credit report without my written instructions.
Product: Mortgage

Ocwen Loan Servici  ng  messed up my escrow account and increased my payment from approx. {$600.00} per month to over {$1100.00}. This caused me, as a single mother of  XXXX  minor children, to go into foreclosure. I repeatedly filled out the RMA loan modification requests ; more than 10 times in fact. Finally, after literally years of sending the RMAs over and over again and begging them constantly for a loan modification, Ocwen finally sent me a loan modification titled "  Home Affordable Modification Agreement ''. T he modification was incorrect in the amount owed, it said I owed {$130000.00}, when in fact I owed approximately {$93000.00} . ( th e original loan amount was {$77000.00} and I had paid on it for years prior to Ocwen 's mess up with my escrow account ) Even though the amount they claimed I owed was wrong, I accepted it anyway to save our family home. I accepted it, but asked them to correct the balloon payment that was attached to the modification agreement at the end. The balloon payment at the end should have been {$38000.00}, not {$93000.00}. I explained to Ocwen over and over again to please look at their modification agreement and then look at their attached balloon payment. It was simple math on the modification document and the balloon payment attached to the modification agreement was wrong. I begged them to just fix their error and told them repeatedly we would accept the modification agreement ( even though it was tens of thousands more than I owed ) with the balloon payment fixed to reflect the actual modification document it was attached to, i.e., {$38000.00} balloon payment at the end, not {$93000.00}. I have had to pay attorneys to fight the foreclosure for years, I have paid forensic auditors to show  Ocwen  I did n't owe what they claimed, etc. I was willing to pay way more than I owed them if they would just fix the balloon payment. This is almost hard to believe that this is not purposeful fraud on Ocwen 's part. Obviously, we all see in the media the multiple times your office, the CFPB, and  XXXX   XXXX   XXXX   XXXX  's Office of Mortgage Settlement Oversight has fined Ocwen for this exact kind of false and deceptive trade practices. Please, please please help me before Ocwen causes us to lose our family home. I am a struggling single Mom. Our home is all I have. Thank you.
Product: Credit card

Details of the Issue : On XX/XX/year>, I reported three fraudulent charges from XXXX on my Barclays credit card, totaling {$230.00}, {$470.00}, and {$890.00}. 
I immediately closed my credit card after reporting the fraud. 
Barclays initially reversed the charges but later reinstated them after the merchant provided documentation claiming the charges were valid. 
Why the Charges Are Fraudulent : I never made any booking through XXXX. 
Barclays provided me with booking details, showing that the reservation was made under the name XXXX XXXX, using the email XXXX. 
My actual email address, which is linked to my Barclays account, is XXXX do not own or use an XXXX account. 
The fraudulent booking was for XXXX XXXX  in XXXX, XXXX, from XX/XX/year>, to XX/XX/year>. 
I have not traveled to the XXXX in years, nor was I traveling during this time. 
Evidence Submitted to Barclays : I provided Barclays with multiple forms of proof showing that I was in XXXX, Texas, from XX/XX/XXXX to XX/XX/year>, and then traveled to XXXX, Georgia, for my bachelorette trip. My supporting documents included : XXXX camera footage with timestamps confirming my presence at home. 
Credit card transactions in XXXX, some of which were made using my Barclays card. 
Flight details showing I traveled from XXXX to XXXX on XX/XX/year>. 
Transaction from the XXXX XXXX on XX/XX/year>. 
Attempts to Resolve the Issue : I attempted to contact Booking.com directly, but their system requires a booking number and PINdetails I do not have since I did not make the booking. 
I called Barclays again and explained the situation, but they refused to reverse the charges. 
Request for CFPB Assistance : Barclays has failed to properly investigate my dispute, despite clear evidence of fraud. I am requesting the CFPB to intervene and ensure Barclays : Reverses the fraudulent charges and credits my account. 
Conducts a proper investigation in compliance with the Fair Credit Billing Act ( FCBA ).

Improves its dispute resolution process to prevent similar consumer issues. 
I appreciate your prompt attention to this matter. Please let me know if further information is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX are in violation of the FCRA. They are reporting inaccurately on my Consumer reports account number : XXXX.The date opened is inconsistent. Transunion has- XX/XX/2022 XXXX has XX/XX/2022, XXXX has - XX/XX/2022 as well as the date of last active ; Transunion has XX/XX/2022, XXXX has XX/XX/2022, and XXXX XX/XX/2022. Remove this account from my report for inaccurate reporting.
Product: Debt collection

I reviewed my Consumer Reports and noticed that there was an inaccurate account on my credit report. 
ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX 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. 
they are illegally reporting and I request specifically the alleged original purchase agreement and the agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt is valid. You must show proof that you legally own this alleged debt and that it is accurate and complete. 

I am requesting immediate deletion of all prior reporting made to any consumer reporting agency. XXXX, Equifax, XXXX, and XXXX. You must cease collection efforts until this alleged debt This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am writing to complaints on wrong information on my credit report. Following Addresses are inaccurate and not my current or correct address : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. Following inquiries are on my report that were not applied for by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL The following employers are on my report are not accurate or current : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent letters to Experian by certified mail correcting inaccurate information on my consumer report and also proof of verifiable information. I have also provided documents to the agency to prove the inaccurate reporting. Under the FCRA my privacy and rights have been violated. I demand the accounts in question to be deleted. Also XXXX XXXX XXXX and XXXXXXXX XXXX  were not disputed at all. I demand also to have said address XXXX XXXX XXXX XXXX XXXX, Ohio XXXX be deleted from my consumer report due to I have demanded and shown proof of my address. 

XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A States that I have a right to privacy 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written permission 15 U.S.C. 1681 A ( a ) ( 2 ) VIOLATION OF PERMISSABLE USE
Product: Checking or savings account

My husband does construction and was given a check for material and labor for a job. The check came back and now the bank has frozen my account with no information as to why receiving a bad check has frozen my account as I am not at fault. The bank will also not give me a timeline of when my account issue may be resolved or let me speak to someone who is investigating the situation. I was given no notification that my account was being restricted other than logging into my account to find I could not make any transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed a loan account on my credit reports ( Transunion, XXXX and XXXX  ) as fraudulent, because it does not belong to me, since it first appeared. I even set up a fraud alert. Now, this fraudulent account is showing up as a collections account. The credit bureaus refuse to remove this fraudulent account from my reports. Please, help.
Product: Debt collection

XXXX XXXX from XXXX XXXX XXXX responded to a previous claim that " XXXX recalled an account '' What I am referencing does not state XXXX, it states 11 CHARTER COMMUNICATIONS for an amount of XXXX she also lied and said they do not handle credit reporting. Well please explain why XXXXXXXX XXXX XXXX is on my credit with 11 charter communications listed as the original creditor. 

Once again, I never received any information in regard to this fraudulent account that your company ILLEGALLY placed on my credit report without properly notifying me and giving me the opportunity to properly dispute, which is an FCRA VIOLATION on XXXX XXXX XXXX part as a debt collection company. You have laws that you have to abide by. 

Now I have provided you with an identity theft report from the government website FTC again. This is a second attempt that I'm noting to inform XXXX XXXX XXXX, that they are reporting fraudulent information on my credit report. According to the FCRA laws you are REQUIRED to STOP REPORTING fraudulent information and remove it from said persons credit report once you are made aware and given a government document stating such, please do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft Ive noticed 7 credit accounts opened under my name that i never authorized to be opened.I first noticed these accounts opened when I interested in purchasing a home and the realtor i was working with did a credit check on XX/XX/XXXX. The accounts opened date back to XXXX I dont believe in having debt so i never use credit cards. The actions that ive taken is file an identity theft claim at my local police department in XXXX, New York like my lawyer advised me too. I then went ahead and submitted the police report and affidavit to all 3 credit bureaus ( XXXX, Equifax, XXXX  ). They failed to act on the information provided and did not provide me with their verification methods. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The consumer bureaus only added a fraud alert to my credit report no accounts have been removed even though they have not been able to verify this information my life and my families life has been drastically affected by these malicious actions and the failure of the credit bureaus to uphold the law.
Product: Debt collection

I called Receivable Management Services on XX/XX/XXXX and was given a settlement amount to clear a XXXX XXXX balance of {$73.00}. I accepted the settlement amount and paid by phone. I requested a settled in full letter and for my credit bureaus to be notified immediately. As of this morning, XXXX was notified that I only made a payment of {$73.00} and the account status is listed as UNPAID with XXXX due.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I XXXX XXXX went to my local bank ( XXXX XXXX XXXX ) to apply for a loan for a travel trailer. My credit report was pulled with an unknown account linked with all my personal information. I had NO knowledge of this account and did not open it ( XXXX ). The account is now considered a charge off ( according to the printed report that my bank gave me that day ). The date showing opened was XX/XX/XXXX. I have also contacted the company XXXX XXXX to let them know this was NOT my account and I did not open it under my authorization. They would not help me at all and ended up closing the case. I filed a police report ( breach of trust ) with XXXX XXXX XXXX 's Department ( XXXX XXXX XXXX ) and contacted XXXX XXXX AGAIN and gave them the case number and they reopened a case that is now showing under investigation. I also contacted Experian to let them know the fraud situation as well. I spoke with an XXXX today ( XX/XX/XXXX ) at XXXX XXXX XXXX XXXX department and he also recommended that I reach out to the Federal Trade Commission to also report the situation. I have also received a letter from the debt collector asking to pay {$5000.00} back. I did in fact contact the company ( XXXX XXXX XXXX XXXX ) and told them the entire situation and how the account was fraud and I XXXX XXXX did not authorize any purchases linked to the account. If anything else is needed please contact me at : XXXX.
Product: Credit card or prepaid card

I have a Barclays credit card and have had them for XXXX plus years. I have made my payment on time with no late payments. I just received notice today that they have lowered my credit amount. This in turn will hurt my XXXX XXXX which is a XXXX. A company that does this must face the consequences of a bad business practice. They did not base this decision on my XXXX XXXX ( since it is XXXX ) and not because I have ever missed a payment or have ever been late. In fact, I've never been late. Baclays is a high interest rate credit card and they don't offer any rewards. Once I pay off this card, I will close it. I will also recommend that others do not use Barclays or any of its products. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX