23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received the attached letter dated XXXX XXXX, 2017 from Jefferson Capital Systems , LLC advising I owe XXXX {$780.00} and they will accept {$310.00}. I have no idea from this debt arises and this is a third-party vendor attempting to collect a debt. I believe it is invalid due to the Fair Consumer Protection Act and the Federal Trade Commissions ordinances and laws to protect consumes from such predators.
Product: Debt collection

CAVALRY PORTFOLIO SERVICES is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with CAVALRY PORTFOLIO SERVICES. I have never received any correspondence from CAVALRY PORTFOLIO SERVICES stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with CAVALRY PORTFOLIO SERVICES for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that CAVALRY PORTFOLIO SERVICES owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Instead CAVALRY PORTFOLIO SERVICES has just provided a couple bill statements, I have been advised legally this is not sufficient. Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. CAVALRY PORTFOLIO SERVICES refuses to comply and has constantly changed the dates on my credit file, I believe in an attempt to make this a valid debt. CAVALRY PORTFOLIO SERVICES is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure CAVALRY PORTFOLIO SERVICES understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues. CAVALRY PORTFOLIO SERVICES even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in CAVALRY PORTFOLIO SERVICES ' and my  best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act DEPT OF EDUCATION/XXXX  Account Number XXXX, XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX  Account Number XXXX, 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 an account without my written instructions.
Product: Credit card

XXXX XXXX credit card last year I had XXXX credit cards XXXX XXXX closed all accounts for fraud XX/XX/2016 account XXXX XXXX say on account Bal. XXXX I went in my my bank account every account is paid thought my bank account this account is not in my account XXXX XXXX is asking for money I do have the card never did.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 - Incorrect Name XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX XXXX Incorrect Address These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

HSA Bank recently changed their site app. I requested a distribution for medical expense in the amount {$110.00} in early XX/XX/year>. They issued a check for {$1100.00}. To correct this discrepancy, I sent a direct deposit of the difference ( {$990.00} ) which they credited as a contribution for XXXX. I am XXXX  and over XXXX and can not make any further HSA contributions. I contacted them on XXXX XXXX. A supervisor, XXXX, told me that they had to cancel the check for {$1100.00}, reissue a check for {$110.00}, and I would have to request a refund of the contribution. I submitted the forms for refund of the {$990.00} contribution, as well as a form to correct the erroneous contribution for XXXX I saw no activity on my account. Approximately a week later, I called. I was not allowed to speak with XXXX. The new supervisor told me he would cancel the check, but I had to request a new distribution for the {$110.00}. When asked about the return of the {$990.00} contribution and correction of the contribution foXXXX XXXX he said that they had received the paperwork and were working on correcting it. I have since tried to reach them about this issue and have been told that it was being processed and that I should receive the {$990.00} shortly. This week I received the paperwork back stating that no contribution had been made, and I needed to fill the paperwork out again. I have since called several times but am getting the run around.
Product: Debt collection

In XX/XX/2022 I was served with court documents to answer to a debt with Credit Corp Solutions that they were trying to sue me for. I don't have any debts with this company. Due to the fact I have never been sued before I had contacted the company to ask what this was about and they just told me it was a debt that was owed to them. I never owed a debt to these people they can after me threatening a lawsuit against me. Originally the company that I reached ( XXXX XXXX ) XXXX XXXX  told me that they sold my information to Credit Corp Solutions and that they had written it off. Also during that time I had my credit reports all shutdown because they were fraud being done under my name as well. I tried to work out something with them but they refuse and decided to persue trying to sue me after I have repeated to them numerous of times that I don't have anything to give them. I told them that I don't have any money and that I lost everything due to COVID but also I knew that there was a bill passed where If you had a certain amount of medical debt it would be wiped away but unfortunately this company still came for me for XXXX and then additional XXXX for court fees anyway. I tried to work out a lower amount with them and they refused so they told me I had to pay {$100.00} a month until its paid off. These people are scamming people out and something needs to be done about it I told them that I would try and pay that amount knowing that I don't have it just so I wouldn't go to XXXX. My parents as in the process of.helping me get a attorney because of how they mishandled this when situation. There are numerous complaints with the XXXX XXXX XXXX about this company doing illegal tactics and harassing people as well. All of the complaints are saying a lot about what I am saying too but now I seeking action against them soon for this I had no idea on how to properly handle the situation at the time I have attached all my supporting documents to why I should not be responsible to pay this company that
Product: Credit card

In their terms and conditions, they state that after 12 months of perfect on time payments, I will get my security deposit back and my card will then be turned in to an unsecured line of credit. It has almost been 5 years since I have opened the card. They refuse to give me my security deposit back, even though I have a perfect payment history. I never have missed a payment. Every time I call them to get answers, I get none.
Product: Debt collection

I noticed a negative entry on my XXXX and XXXX credit reports from a company called Jefferson Capital in XX/XX/XXXX. 

I contacted them and was told they were collecting a debt for XXXX, as I asked for a supervisor, the next person stated they were collecting for XXXX!, then a 3rd company called XXXX. 

The 4th person I spoke to stated they wanted me to start paying them?

I don't any of these companies anything.

I tried contacted them again several times and tried to see if they would rather be sued or settle with me. I contacted this morning XXXX and the person who was dealing with this refused to answer my query of a settlement, but started rattling off incorrect data about these collections they were trying to collect. 
He stated they ceased collecting on XXXX in XXXX ( A Lie ) Then an incorrect date about XXXX like a robot. 

He even tried to state that they NEVER placed anything on any credit files? ( Another LIE )
Product: Credit card or prepaid card

XX/XX/XXXX, I charged a purchase to my new credit card, but submitted an electronic payment to my old Banana Republic credit card. My checking account with XXXX XXXX verified that the amount was cashed on XX/XX/XXXX. 

The purchase was returned, and I received an email from Banana Republic on XX/XX/XXXX confirming that the purchase was received and I would receive an eGift card. No eGift card was received and my account was charged late fees. 

XX/XX/XXXX, I received a letter from Barclays with the date of XX/XX/XXXX stating that a provisional credit was posted to my account was posted. The letter asked for proof of payment. I contacted XXXX XXXX and we held a conference call with Barclays to resolve the situation. The XXXX XXXX verified that the bill was paid electronically and that they would send documentation of the payment via fax and or mail to Barclays. 

XX/XX/XXXX, I received a letter posted XX/XX/XXXX, stating that the credit of {$180.00} was rescinded due to lack of proof of my payment. I called XXXX XXXX and we contacted Barclays again. In our discussion the representative of Barclays confirmed that they had received my {$170.00} payment to my old account. 

XX/XX/XXXX, I received a letter posted XX/XX/XXXX, that proof of payment was needed. I called XXXX XXXX again, held a conference call, and XXXX XXXX submitted proof of payment for a third time. 

XX/XX/XXXX, I received a letter posted XX/XX/XXXX, that they could not complete my request for my {$170.00} request of my payment. 

XX/XX/XXXX, I received a check for {$4.00}. XX/XX/XXXX, I mailed a letter of complaint to XXXX XXXX, XXXX XXXX  XXXX, XXXX, DE XXXX. 

XX/XX/XXXX, I received three letters from Barclays. Two letters, one dated XX/XX/XXXX, and one dated XX/XX/XXXX, state that they are unable to complete my request for my payment of {$170.00}. One letter, dated XX/XX/XXXX, stated that Barclays is reviewing my dispute and I should give them at least 60 days. I have been trying to resolve this dispute for six months.
Product: Credit reporting or other personal consumer reports

An inquiry was made by XXXX XXXX XXXX XX/XX/XXXX and reported to Experian. I did not make this inquiry. My account at XXXX XXXX  was open on XX/XX/XXXX. I already had an account for my car, and did not make this inquiry. I did not give XXXX XXXX permission to look at my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that I recently initiated a request with a credit reporting agency to conduct an investigation into my credit report. This request was made due to the presence of certain inaccuracies that I observed within my account. Following my request, your agency proceeded with a verification process to determine the accuracy of the reported information. 

I was subsequently notified by your agency that the results of their investigation concluded that the information contained within my credit report is indeed accurate. However, despite the thoroughness of their research, I have personally identified additional inaccuracies that persist within my credit report. 

In accordance to the fair credit reporting act, account XXXX XXXXXXXX account XXXX XXXX  XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been blately ignoring my dispute for a year now against a Child Support Derogatory that's been hindering my livelihood for 8 years. I never gave written, verbal or digital instructions as it relates to this Derogatory, for Transunion or XXXX CHILD SUPPORT to communicate or report anything on my Consumer Report which is a Clear violation of my Consumer Rights Title 15 U.S.C. 1681b ( a ) ( 2 )... I was never notified by Transunion or XXXX CHILD SUPPORT of the fact that a public record was being placed on my Consumer Report which has created an adverse effect on my employment status ( another violation of my Consumer Rights Title 15 U.S.C. 1681k ( a ) ( 1 ) )... I've been told by an employee of Transunion that I should just wait for this inaccurate information to fall off of my Consumer Report within its 8 year of being reported and the employee also stated that the company has been ignoring my letters of dispute purposely under the impression that I was not myself and I had a professional assisting me with my dispute without verbalizing such claim. The fact that their misusing my identity while reporting inaccurate information " which is another violation of my Consumer Rights '' Title 15 U.S.C. 1681e ( b ), is absurd! this is clearly Identity theft as well as a host of other violations that I can go on and on with and I do intend on exercising my Consumer Rights Title 15 U.S.C. 1681n ( a ) ( 1 ). Also, Transunion has blocked me from making a dispute on their website..
Product: Debt collection

XXXX XXXX XXXX were contacted and proof that the expenses on that account were done by me. They replied back with a copy of the credit card statement showing the purchases but no receipt proving that was an authorized purchase done by me. in another word, the company was unable to provide proof and evidence that the purchases were done by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX For the period of XX/XX/year>, XX/XX/year>, XX/XX/year>. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TRANSUNION. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach, which has resulted in identity theft. Fraudulent accounts have been opened in my name, and I am requesting that the following accounts be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
The fraudulent accounts are as follows : XXXX. XXXX XXXX XXXX XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$1000.00} XXXX. XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$00.00} XXXX. XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$160.00} XXXX. XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$00.00} XXXX XXXX XXXX XXXXXXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting collections to my Trans union credit report from XXXX Cable ; Acct # XXXX, date XX/XX/2016. Cable services were transferred to a different residential address but with the same cable provider. All outstanding charges were paid to XXXX, prior transfer of services or re connection. Per a XXXX representative, this old account isnt in collections ; nor was authorized to be sent to a collection agency. Ive sent multiple requests to have this false information validated and deleted from my credit report. XXXX has maliciously ignored my request. The next option is consulting legal action with my attorney, of this false information being report.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX This company is reporting negative remarks and late payment in my credit report after I have filed XXXX  XXXX on this account. This letter is regarding the account I have listed with this company. This is a formal notice that claim is disputed. I'm advising you that you have violated the Bankruptcy Code and permanent injunction provisions, basically a cease and desist letter is sent. The case law is pretty clear that a violation of the discharge injunction is punishable with sanctions for damages incurred by the Debtor, which would include reasonable attorneys fee, Thus, the end results will be that the violating creditor will have to fix negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

usc section 1681 states that there must be written authorization from the designee for any inquiries and also section 609 of the fcra states there must be signatures in order for this to be legal these are illegal practices by these companies and if not seased now i will take legal action immeadiately these inquiries are unknown and unauthorized
Product: Credit reporting or other personal consumer reports

These accounts do not belong to me. 
XXXX  XXXX account XXXX amount {$5800.00} XXXX  XXXX account XXXX amount {$1500.00} XXXX  XXXX account XXXX XXXX XXXX XXXX account XXXX {$2600.00} i sent them certified mail several times to address this matter and no response at all i have proof that i sent and they received because they signed for it. they are trying to collect the wrong thing they dont have the right to collect on this account. i never signed anything with this company. i even sent it to experian, Equifax and XXXX and nothing was sent to me to validate this debt or any of the above according to the law 15 us code 1681 procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifes the agency directly or indirectly through reseller of such disput the agency shall free of charge conduct a reasonablie reinvestigation to determine whether the disputed information is inacurrate and record the current status of the disputed information or delete the item from the file in accordance with paragraph 5 before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Product: Credit reporting or other personal consumer reports

I initially disputed two items with NAVY FEDERAL CREDIT UNION by sending letters on XX/XX/XXXX, and again on XX/XX/XXXX. I have proof of delivery for each dispute. Under 15 U.S.C. 1681i ( a ) ( 1 ), the credit bureaus were required to complete their investigations within 30 days by validating the disputed information with Navy Federal Credit Union and providing me with copies of any documentation associated with these accounts bearing my signature. However, they failed to investigate within the legally required timeframe. 

To date, I have not received any validation of these fraudulent accounts, and my credit has suffered significantly as a result. When I contacted them to request deletion due to their violation of the law, I was informed that they could neither remove the items nor provide documentation proving that the accounts belong to me. 

Their failure to comply with federal law exposes them to legal liability, as established in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX. XXXX XXXX, XXXX ), where the court held that credit bureaus can be held liable for failing to investigate disputes within the required timeframe. I request immediate removal of these unverified accounts from my credit report and appropriate corrective action to address their non-compliance.