23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Jefferson Capital claims to have bought a supposed debt I owed to XXXX for cellular service. They then hired an agent, XXXX XXXX, to try to collect on this old debt. XXXX XXXX sent me emails. When I denied owing the debt, asked for supporting documentation, and if they would be paying me the money that XXXX owed to me for failure to provide service, XXXX XXXX sent an email saying that they would no longer peruse the alleged debt. Note, they never provided any documentation to support the alleged debt. These emails with XXXX XXXX occurred around XX/XX/XXXX of this year. 

I was then contacted by mail by Jefferson Capital, which sent a letter claiming that I owed them money that they claimed I owed to XXXX. Again, there was not supporting documents for the alleged debt, just their claim. When I called Jefferson Capital and gave them their account number on the letter, they insisted that I provide them with the last four digits of my social security number or they could not help me. I told the agent he did not need that since he had their account number, that I disputed the debt, and that they needed to send me documents show that the funds were supposedly owed. 

Jefferson Capital did not do so. Instead they sent me a form letter saying that they will cease collection activity until verification of the debt is provided to me. Huh. They have been requested to provide such information and rather than doing it, their agent said they would stop trying to collect. By trying to collect without providing that information I think they violated the Fair Debt Collection Act. By failing to provide that information after continued collection activities, I think they again violated the Fair Debt Collection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for conventional home loan and got a report from loan company with all inaccuracies which hurt so much. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and According to 15 U.S.C 1681e [ b ] and 15 U.S. Code 1681 [ 5 ] these accounts are in violation of not reporting 100 % accurate. Definitely a defamation to my person.

The reporting agencies stated that these accounts were properly investigated and came back as verified. However, this is not true when there are several inaccuracies showing on my report. 
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

XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. Account Name : XXXX XXXX XXXX ( original creditor name, XXXXXXXX XXXX XXXX  ) XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX XXXX  ( original creditor name, progressive ) XXXX. Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 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 an 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.
Product: Debt collection

I did not consent to nor authorize, nor benefit from the account XXXX XXXX XXXX XXXX of PayPal Credit. Block and Remove account XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX of PayPal Credit is using unlawful extortionate means to commit abusive, deceptive, and unfair debt collection practices in order to bring harm to me for an alleged debt that has not been validated. All PayPal Credit management, supervisors, and employees are in violation of a Cease-and-Desist order and are continuing to invade my individual privacy despite not validating this alleged debt per Federal Law. Pursuant 15 USC 1692g ( c ). I have not validated this alleged debt and my failure to dispute the validity of this debt shall not be construed as an admission of liability. PayPal Credit are in violation of 15 USC 1692d ( 4 ) for debt parking and 18 USC 1028A for aggravated identity theft for furnishing these alleged debts to my consumer report that has not been validated.
Product: Mortgage

I have applied for loan modification and the lender keeps saying will submit it for underwriter review. However, it never happened and they called me again and again for the wrong information. They said they need this and that for complete but they never told me when we follow up. All they said they told me being review. Now foreclosure sale is coming and they tried to delay and said they wont be able to review my application due to foreclosure sale date. I want to try to have modification and keep my house and I am old and unable to move out. They are being treated us unfair way
Product: Vehicle loan or lease

On or about XX/XX/XXXX, XXXX Bank started the transfer of their loans to PNC Bank, with PNC Bank taking over on XXXX XXXX. We had an auto loan with BBVA, with our payments on automatic draft. We were unaware and not notified of this change. Our drafts stopped, so we mailed checks to BBVA, with all of them being returned. We did our own research and found out what change had taken place, so we asked for the correct mailing address for payments, PNC could not give me any info on my loan, including payoff, payment or loan balance. I sent payments, and they were also returned. In XX/XX/XXXX, PNC Bank reported our account as a charge off, after PNC sent a repossession company to pick my vehicle up and receiving money over the phone from my checking account, along with XXXX mths of payments setup for draft, to catch up the payments we had tried to so desperately send to both banks for several months. We were also unaware the reported a charge off on this account until we called for a payoff on XXXX XXXX and the dealership said they couldnt pay a charge off account and PNC would not give them a payoff amount or why it was charged off. I want this charge off removed from all credit report agencies immediately, as I feel as if PNC Bank and BBVA Bank failed to notify us of such a drastic change, leaving us in the dark of where payments needed to be sent, or that our loan had even been transferred to them. PNC Bank did not have our correct address in their system either.
Product: Credit card

I GOT MY ALLY CASH BACK XXXX CREDIT CARD ON XXXX XXXX. I HAD GIVEN MY CREDIT CARD ACCOUNT TO XXXX FOR MONTHLY PAYMENT. XXXX WAS TRYING TO TAKE MONEY ON XXXX XXXX, BUT THIS BANK REFUSE THEM. AL THOUGH I ACTIVATE THIS CREDIT CARD IN XXXX.BUT THIS BANK HOLD MY CREDIT CARD ACCOUNT WITH OUT INFORMING ME. I DO NOT THEIR CUSTOMER SERVICE. THEY DO NOT HAVE ANY RESPECT FOR CUSTOMER. ALTHOUGH, I MADE PAYMENT ON THEIR WEB SITE ON XXXX FOR FIRST STATEMENT FROM MY CHECKING ACCOUNT. THEY CAN NOT CONFIRM MY PAYMENT. THIS BANK DID NOT TOOK OUT MONEY FROM MY CHECKING ACCOUNT AS OF XXXX. GENERALLY, CREDIT CARD BANK TOOK TWO TO THREE DAYS TO WITH DRAW FROM OTHER CHECKING ACCOUNT. BUT THIS BANK TOOK MORE THAN A WEAK. THIS CREDIT CARD WAS ISSUED BY TD BANK, NEW JERSEY. I DO NOT APPRECIATE THEIR CUSTOMER SERVICE AT ALL.
Product: Debt or credit management

XXXX XXXX XXXX has not paid my XXXX XXXX debt. The company holding my money is Global Holdings llc. I can not get a statement to tell me where my money is ( {$6300.00} ), because I can't get my phone call answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX working with XXXX at XXXX XXXX. Said I owe {$2600.00}. an if paid in 30 days it would not go higher. Attached are the payments. they said it would be Reported to the Credit Reporting Agency 's. National Credit Systems is handling this, and laughing every time I call to have my report updated. National Credit Systems should be sued so they close their doors. the Malpractice they do.
Product: Payday loan, title loan, or personal loan

I received a call from a company called XXXX XXXX XXXX claiming I had a lawsuit against me by Ace cash express for breach of contract for a loan they claim I took out in XX/XX/XXXX. Had told me a letter was sent to me certified mail and they were going to come to my house for me to sign documents. I asked to have this rescheduled so I had time to look into the company and the person who called. They said my loan was {$700.00} but they didn't understand why my payoff was {$690.00}. They claimed Ace cash was suing me for over {$2000.00} according to Texas state law they were allowed to charge over 3x 's the amount owed. I contacted Ace cash immediately today on XX/XX/XXXX to which they claimed the did not harass their clients like this. 
They continued to contact family members in a different state claiming lawsuit and requesting information for a background check. 
I asked what jurisdiction and county this lawsuit was out of and they could not give me that answer. I was then hung up on.
Product: Checking or savings account

I received an offer from Chase to open a saving and checking account which I did on XX/XX/XXXX. I was told from a Chase representative I could take a picture of my check and deposit it in my new account so I did that on XX/XX/XXXX in the amount {$2000.00}. After about and hour I received an email your deposit have been received and funds will be available on XX/XX/XXXX. Immediately I called and spoke with a representative who gave me false information. I called again about 5 to 6 times and got false information again. Finally I went to a local branch on XX/XX/XXXX. I showed the representative that the check had been cashed on XX/XX/XXXX from my bank. Now today XX/XX/XXXX and Chase is still holding my money with a restriction and refuse to release my money until XX/XX/XXXX. to mail a check to me which will take other 3 to 5 days to get to me. They have already verified that they have my {$2000.00} in there bank but is refusing to release my money to me.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$610.00}.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Name : XXXX XXXX XXXX XXXX XXXX : XXXX Section 1681e ( b ) : Accuracy and fairness of credit reporting requires credit bureaus to maintain accurate and complete information in credit reports. 

Section 1681i ( a ) ( 6 ) - Responsibilities of Credit Reporting Agencies Purpose : Details the responsibilities of credit bureaus to correct or delete inaccurate or unverifiable information after a dispute. 

I have been suffering from inaccurate reporting by the credit bureaus from a very long time. I see that none of the bureaus are accurately reporting anything and they are very inconsistent across all XXXX credit bureaus. I have disputed multiple accounts that don't belong to me and even after disputing them, all I get is that the dispute is complete and no action was taken. 

I firstly would like to know what action the company has taken. I would like to know what action was ensured to see that the account actually belongs to me. I would like to get a response within the the next XXXX business days from the reporting burueau of what information they took in the reinvestigation process. 

I would like to get details such as date opened, my signature, my name, address and any other information they XXXX have regarding these accounts. If they don't provide this information, they have violated my rights and I would like to get a {$1000.00} check for each account that was incorrectly reported. 

The following accounts should not be on my credit report. XXXX was already complete and no action was taken. I want to know what investigation they took giving a step by step procedure : XXXX. XXXX XXXXXX/XX/XXXXXXXX XXXX Account no. XXXX XXXX.XX/XX/XXXX XXXX : Account no. XXXX XXXX. XX/XX/XXXX XXXX : Account no. XXXX XXXX. XXXX XXXX : Account no. XXXX XXXX. XXXXXX/XX/XXXXXXXX : Account no. XXXX XXXX. XXXX XXXX : Account no. XXXX If they don't provide me with this information, I would like to have them removed immediately. I also want to ensure that these accounts ever get reflected on my account. Details of the investigation can be emailed to : XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute under 15 U.S. Code 1681o Violation of Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to file a dispute regarding certain accounts listed on my credit report, as they were inaccurately reported and in violation of my rights under 15 U.S. Code 1681o and the Fair Credit Reporting Act ( FCRA ). I have reason to believe that the following accounts have been inaccurately reported, and I am requesting a formal investigation into these accounts to ensure compliance with FCRA requirements : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} I request that these accounts be fully investigated for accuracy, as I believe they may not be properly reported or may not belong to me. I am entitled to have my credit file accurately reflect my financial history under the Fair Credit Reporting Act. Please notify me in writing of the results of your investigation and provide a corrected version of my credit report once all necessary updates have been made. I expect this issue to be resolved promptly in accordance with 15 U.S. Code 1681o, and I reserve the right to take further action if the violation is not addressed accordingly. Thank you for your attention to this matter. Please feel free to contact me if you need any additional information or documentation to process my dispute. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2021, at approximately XXXX Am I called Chase bank to discuss a charge reversal for an online purchase. The XXXX phone operator instructed me that I needed to speak with XXXX to pursue the dispute. I then googled the XXXX customer service number and called the number that come up in the search ( XXXX - XXXX - XXXX ). I was instructed by the person that represented themself as the XXXX customer service representative that for them to help me with my refund that I would need to follow instructions such as downloading and application onto my computer so they could help with my charge reversal. 

I followed instructions as I was under the impression that I was speaking with XXXX. They told me that my computer screen would need to be turned off remotely during the refund. I was then held up on the phone waiting for upwards to 1 and 1 1/2 hours as the XXXX '' impostor instructed me that this was a necessary part of the refund process, telling me that their server was being slow, etc. Making various excuses to make me wait longer. Eventually I became frustrated and asked the person to stop helping me and let me go from the phone call. I realized that I could turn my computer screen back on by brightening the screen and I witness unauthorized activity happening in my online bank account. I ended the call and saw that my Chase bank account was missing {$4900.00} worth of funds had been wired transferred from my account without my authorization or consent. I immediately called Chase to freeze my account and file a claim. I made an appointment the next day to close my account and open a new one. Chase then sent me a claim denial letter stating We are denying your claim because during our review we found that you did not take the appropriate steps to protect your account from theft or unauthorized use. We will not reimburse your account. I visited a Chase branch and requested that my claim be reopened and filed a Police report with the XXXX Police Bureau. Chase then denied my claim a second time without allowing me to submit my police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Letter on XX/XX/2023, to XXXX, XXXX, AND TRANSUNION to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802, No financial institution is supposed to share my information with third-party people, much of this information was also mistaken, fraudulent, or perhaps even possible identity theft. These are clear violations of my federally protected consumer rights.
Product: Bank account or service

I made a deposit at a Chase ATM on XX/XX/2017 in XXXX, CA for {$900.00} and the ATM only credited me {$800.00}. On XX/XX/2017, I withdrew {$500.00} to only receive {$280.00} from the same ATM in the same city. So in total I was shortchanged {$320.00} from XXXX different transactions that occurred from the SAME ATM. I expect a credit fo {$320.00} as this is in no way acceptable. When I deposit money at an ATM, I expect to receive no less than the amount that I deposited. Therefore, I would like a full credit for {$100.00} on the XX/XX/2017 {$900.00} deposit and {$220.00} for the XX/XX/2017 {$500.00} withdrawal. I do not know what is wrong with this ATM but I demand the {$320.00} be credited back to me ASAP as explained previously.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions Dispute Department XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : DEMAND REMOVAL OF FRAUDULENT & FUTURE-DATED INQUIRIES To Whom It May Concern : I dispute the following inquiries on my TransUnion credit report as fraudulent, unauthorized, or future-dated, violating FCRA 604 and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : Future-dated inquiry ( XX/XX/XXXX ). 

XXXX XXXX  XX/XX/XXXX Violation : Future-dated inquiry. 

XXXX XXXXXX/XX/XXXX Violation : Future-dated inquiry. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : Unauthorized access. 

XXXX XX/XX/XXXX Violation : Future-dated inquiry. 

Legal Demands : Delete all listed inquiries within XXXX business days. 

Certify in writing that my report is accurate. 

Failure to comply will result in : A CFPB complaint and XXXX XXXX lawsuit for willful noncompliance. 

Legal action under FCRA 616 ( up to {$3500.00} per violation ). 

Enclosed : Credit report excerpts. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX