23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/22 a transaction for {$3900.00} was made using funds from my bank account through XXXX. I reached out to XXXX and they were useless and advised I contact my bank since the funds came directly from my bank balance which i did. I spoke to a few specalists and opened a claim for the disputed amount and submitted legal documents stating I had not authorized the transaction. Chase ultimately denied this claim simply because my name matched the name on the XXXX account ( no duh, it was mine and compromised ). They asked me to provide further documentation depsite not having any and I advised them to reach out to XXXX who apparently refused to provide them with anything of relevance one way or the other as well. Why is it on me as an individual to prove to a multinational billion dollar bank that i did not authorize a transaction beyond submitting a legal document stating I did not authorize the transaction? Isnt the whole point of keeping your money in a bank that it will be secure and protected? XXXX did not submit anything to contradict my claim either meaning I have submitted my own legally binding statement versus absolutely nothing contradictory and the bank still refused to take my side. Im out almost {$4000.00} now because of incompetence. That is completely unacceptable
Product: Credit reporting or other personal consumer reports

I do not recognize this. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have had an online savings account with Sallie Mae [ XXXX ] for many years. XXXX or XXXX per XXXX I would transfer money from another bank to my XXXX account and transfer money from my XXXX account to a third bank. I made such transactions on XX/XX/XXXX and on XX/XX/XXXX. All indications on the XXXX website were that these transactions went through. However, I noticed on XX/XX/XXXX that none of the transfers from my XXXX account to thee XXXX bank had been made. I then looked at my XXXX account to find that XXXX took my deposits into my XXXX account but rejected the transfers to the third bank. I called XXXX to find out why and was told that XXXX was closing my account but they would not tell me why nor how to get my money out of the XXXX account. At the same time I was told that XXXX had sent me an email on XX/XX/XXXX indicating their intention to close my account. I did not receive any such email. I was given an email address to ask for reasons for the closure and how to get my money back from the account. I asked and about XXXXXXXX XXXX later received a reply that they can close accounts for any reason and at any time and failed to indicate how I can get my money back.. I received a second email XXXX XXXXXX/XX/XXXX providing a link to a " Notice '' about my account closure and suggesting that I log in to my account to view the " Notice ''. The link was dead and logging into my XXXX account revealed a message saying there are no accounts under that login and password. XXXX has stolen my money and I want it back.
Product: Credit card or prepaid card

Filed a dispute for prepaid damaged goods I received. I submitted 13 exhibits to the credit card company with my dispute to back up my position of the damaged goods produced and delivered by the merchant. I have proof of the upload of those exhibits, I also notified the credit card company that they had an extended warranty policy attached to the use of their credit card use by the consumer which I relied upon and thus used the credit card with confidence due to that feature. 
Credit card company provided a temporary credit and subsequently ruled in my favor with the right of the merchant to appeal their decision. I was notified that any documentation the merchant provided would be sent to me and that arbitration if required would take place The credit card company reversed the dispute initially in my favor stating only that they received documentation from the merchant. They did not provide copies of any documents they stated they would. They claim that I only uploaded 3 exhibits, although I have proof of the 13 uploads on their platform. 
Those so-called missing exhibits were critical in establishing my claim of damaged goods including the acknowledgment by the merchant of the poorly produced and defective product. 

The credit card company made a reversal of the dispute without considering the facts and without extending my right to appeal and view the documents submitted by the merchant. They also indicate that their extended warranty policy was terminated and no longer offered to the users of their credit card. 
I indicated to them that they were required to provide me notice of that change in terms or policy which they never did.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this formal complaint against the following creditors and credit reporting agencies for reporting and allowing the dissemination of inaccurate and unverifiable late payment information on my credit reports : Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Reporting Agencies : TransUnion Experian Equifax The accounts reported by these creditors contain late payment notations that are inaccurate and unsubstantiated. I am requesting a full investigation and that the reporting be corrected to reflect PAANL ( Paid As Agreed, Never Late ) based on the following : 1. Timely Payments Made I submitted all payments on time, most of which were mailed. Under 15 U.S.C. 1666b, creditors must credit payments received by XXXX XXXX on the due date and must provide billing statements at least 21 days in advance of the due date. These obligations were not met.

2. No Statements or Late Notices Were Provided I never received any billing statements or written notification informing me that my payments were considered late. This lack of notice violates both common billing practices and my rights as a consumer, leaving me no opportunity to address or contest the alleged delinquencies.

3. FCRA Violations Inaccurate & Improper Reporting The Fair Credit Reporting Act ( FCRA ) requires that all information furnished to credit reporting agencies be accurate, complete, and verifiable : 15 U.S.C. 1681 Section 602 states that the purpose of the FCRA is to ensure fair and accurate credit reporting, along with protection of consumer privacy.

15 U.S.C. 1681 Section 604 ( a ) outlines the permissible purposes for accessing and using consumer credit information.

TransUnion, Experian, and Equifax have failed to uphold these standards by accepting and reporting inaccurate late payment data from the above-named creditors without proper verification or validation.

Requested Resolution I am not requesting deletion of these accounts. Instead, I am requesting that each of the accounts in question be updated to reflect PAANL Paid As Agreed, Never Late. If these creditors and credit bureaus can not provide full, verified evidence of a legitimate late payment and proper notice, they are required under federal law to correct the inaccurate information.

I respectfully ask the CFPB to investigate this matter and take appropriate steps to ensure compliance with the FCRA and other relevant statutes. Please confirm receipt of this complaint and inform me of the results of your investigation.

Thank you for your time and support in this matter.
Product: Credit card or prepaid card

Someone open account in my name online and its on my credit report they never allowed me to open the account
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX : {$480.00}
Product: Credit reporting

My deceased mother 's name, was added to my Equifax Credit report, as my previous name.
Product: Credit reporting or other personal consumer reports

This account is a result of fraudulent activity. This account was excessively over charged overdraft fees and duplicate unauthorized transactions. The company is using a third party that I have no contract with to call me, send letters and add adverse information on my credit report. These companies together has caused me financial and emotional distress. This account has caused me to financially scared causing me to be denied credit and or charged higher interest rates with low tier creditors.
Product: Debt collection

Portfolio Recovery calls Every day, all day long calls from all different area codes through out the United States just constantly. Since I have this phone number back in I guess XXXX of 2020 I have tried blocking the calls but they still find a way around this by calling from different area codes all day long. I don't know how they keep getting through. I block one number and another one pops up a few minutes later. This is insane.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaint regarding fraudulent items on my account. Despite making XXXX attempts to resolve this issue, the fraudulent items have not been removed, and the matter remains unresolved. Since then, I have made XXXX attempts to get these items removed. I have attached copies of all relevant correspondence and documentation for your reference. By this lack of resolution, I am now seeking assistance from you. Please provide a detailed update on the status of my complaint and the steps being taken to correct the issue. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXXXXXX : {$240.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXXXXXX 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 : {$1500.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Violations of Federal Debt Collection and Credit Reporting Laws Dear Sir/Madam, I am writing to file a formal complaint against JEFFERSON CAPITAL SYSTEM for violations of federal laws governing debt collection practices and credit reporting. I believe my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) have been infringed upon. The specific regulations that have been violated are as follows : 1. 12 CFR 1006.34 ( b ) ( 5 ) : According to this regulation, debt collectors are required to provide specific information regarding the debt, including the name of the creditor to whom the debt is owed. In my case, JEFFERSON CAPITAL SYSTEM failed to provide this information, which has left me unable to verify the legitimacy of the debt.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section mandates that debt collectors must provide information about my right to dispute the debt. JEFFERSON CAPITAL SYSTEM did not include this critical information in their communication with me, thereby depriving me of my legal right to dispute the debt within the 30-day period.

3. 12 CFR 1006.34 ( d ) : This regulation requires debt collectors to send a written validation notice within five days of their initial communication with me. JEFFERSON CAPITAL SYSTEM did not send this notice, which is a clear violation of my rights under the FDCPA.

4. 15 USC 1681-S 2 ( 7 ) ( A ) : Under the FCRA, specifically this section, furnishers of information to credit reporting agencies must correct and update information to ensure its accuracy. Despite my repeated requests, JEFFERSON CAPITAL SYSTEM has failed to correct the inaccurate information they reported to the credit bureaus, negatively affecting my credit score and causing undue harm.

Given these violations, I request the CFPB 's immediate intervention to ensure that JEFFERSON CAPITAL SYSTEM complies with federal laws. I also seek the removal of the erroneous information from my credit report and appropriate remedies for the distress and financial harm caused by these unlawful practices.

Please find attached copies of all relevant correspondence and documentation to support my complaint. I am available for any further information or clarification needed to expedite the resolution of this matter. 
Thank you for your prompt attention to this serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. Equifax, XXXX and XXXX are reporting XXXX inaccurate late payment for the XXXX XXXX XXXX XXXX with the account number XXXX. This includes late payment ( XXXX ) 60 days from XX/XX/. This is incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in XXXX, XXXX and Equifax in violating my Federally protected rights. To add to this, I did not give ( Credit Bureau ) written instruction/permission to furnish these inaccurate late payment ( XXXX ) on my consumer report of file, thus violating XXXX XXXX. XXXX b ( a ) ( XXXX ). It is clear that XXXX, Equifax and XXXX have violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Product: Debt collection

I opened an account with TJMAXX rewards Synchrony bank on XX/XX/XXXX and bought an item for the amount of {$31.00}. We never received the credit card nor did we receive a statement until about a year later and it had incurred interest of {$340.00}. We disputed this with the collections agency and agreed to pay the original amount of {$31.00}. We sent the check and did not hear anything from them again until the end of XX/XX/XXXX when we got a letter from the collections agency that we owed over {$400.00}. We received no notice and we paid the original amount. We have a check to prove that we paid the amount.The collections agency and the credit card companies don't seem to have any information and no on is answering our questions. We want to resolve this and will pay the original amount of {$31.00} but because we never received any statements or even a credit card, it doesn't seem fair that we are being charged so much interest when we didn't even have any account information.
Product: Checking or savings account

I am a capital one customer and I still havent received my direct deposit paycheck today! The bank sent out an email stating the problem should resolve by Friday morning ( today XX/XX/year> ) and now its almost XXXX! I live paycheck to paycheck and this is affecting me tremendously. Capital One needs to offer an incentive at least {$200.00} for this trouble that is causing issues with MANY other people. Please help get this fixed!
Product: Debt collection

I went to purchase a new vehicle and to my surprise I had a debt on my credit report that I was not aware of and had never heard company. The company is National Credit Systems for {$6600.00}, says original creditor is XXXX XXXX, it was reported on XX/XX/20.
Product: Debt collection

I am writing in response to a collection company ( Second Round LLC ) that is reporting an alleged debt ( # XXXX ) on my credit report that they have not, to date, been able to provide me with supporting legal documentation stating that ( 1 ) the debt belongs to me ( 2 ) the fact that they have the legal authority to collect anything from me.
I have sent this company debt validation request multiple times, disputed this alleged account with XXXX, XXXX and XXXX when I first received correspondence from them in 2016. In return, ( Secound Round LLC ) sends me an acknowledgement of my request for validation and ask for me to supply " their company '' with documentation of my personal information in order to validate this account. I 'm baffled because I do n't understand, how they are validating the information with the credit Bureaus but do n't have the information?! This derogatory information remains on my credit report to date without being validated. How does this happen? How is that even possible?
I initially disputed the information with Second Round LLC back in 2016 requesting debt validation to include the alleged balance and calculation from the opening to the closing of this account, it being sold or transferred, proof that the account is correct and information that the statute of limitations are valid with the alleged account and have not expired, signed documents showing that I agreed to pay this debt and agreement that grants them the authority to collect this debt. To date, I have not received any legal obligation from them that I am responsible for this debt. The company in question Second Round LLC, has been unable to provide me with any form of legal validation. This is inaccurate
information and therefore ; according to the law should be deleted from my report because it has not been validated by the company actually providing the information. I am asking for a complete removal of this account from all three of my credit reports immediately. Per the FCRA, the credit bureau is required to report timely and accurate data and any inaccurate information that can not be validated should be deleted.
Product: Debt collection

On XX/XX/XXXX I was involved in a car accident which led me to XXXX XXXX where I spent two hours having medical attention. Two weeks later, I received two bills for {$90.00} and {$480.00}. I paid the {$90.00}, and I gave them my automobile insurance info for them to ask for the {$480.00} payment. They did not contact the company, and they kept on sending bills to me. The last bill I received from them in XX/XX/XXXX was over {$500.00}. 
on XX/XX/XXXX, a credit collector called me asking me how I could pay the bill. Once again, I gave the credit collector my accident claim number to enable them to better handle the case. They sent a bill of {$4600.00} to XXXX XXXX ( my insurance company ). XXXX XXXX paid {$3600.00}. 
On XX/XX/XXXX, I received a bill from XXXX amounting to {$1000.00}. I refused to pay because XXXX fraudulently charged me a bill of {$4600.00}.!!! Remember!!! the bill was over {$500.00}. 
Today, XX/XX/XXXX, I received I received a letter from a credit collector asking me to pay the the remaining {$1000.00} by XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

THE NAMES, ADDRESSES, BIRTHDAYS ARE INCORRECT CAN THEY BE REMOVED PLEASE AND THANK YOU BLESSING AND HAPPY HOLIDAYS TO YOU AND YOURS. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ONLY XXXX XXXX  XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, KS, XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve an issue with XXXX XXXX about the incorrect late payments posted on 3 credit agencies I had a loan and I always paid on time - 0 late payment during Covid I called and applied for a forberance and I was told that my payment - during forberance where not going to be reported as late. 
instead XXXX reported me late for 3 times I m now pulling a loan for a mortgage and those 3 late payments are affecting my ability to get a good deal with the Lender XX/XX/2022 I received a letter from XXXX with the verbiage '' the disputed information is accurate as reported " XX/XX/2022 after i re-disputed I have got the same letter XXXX XXXX after a 3rd dispute I have got the same letter they are not doing what they said- they are harming my credit after I was promised three times from them - i called 3 times for the forberance - that i could stay assured NO Late payment were going to be reported as late. 

In 6 year of the life of the loan not 1 late payment- this is on all the 3 agencies credit report what they are doing is wrong and unfair- they need to correct and keep up to their promise!! 

Thank you for reading so far. 

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

I contracted XXXX, XXXX, and XXXX on XX/XX/2018 and XX/XX/2018 requesting personal information be updated and provide documents in support of my request. 
I.M FILING A COMPLAINT BETWEEN XXXX XXXX XXXX XXXX, AND XXXX XXXX  AND XXXX. I HAVE REACHED OUT TO XXXX, XXXX  AND XXXX  TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH XXXX  DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS. MY DISIRE IS TO HAVE THE OUTDATED AND FALSE INFORMATION DELETED FROM MY REPORT. 

I file a dispute with XXXX and XXXX if reference to XXXX XXXX XXXX about a {$3300.00} on my account. I also sent XXXX XXXX XXXX a register letter disputing this posting and asking for verification of debt. Enclose is the information that they forward to me from another company. They provided no documents showing I have any debt with then, also XXXX XXXX XXXX failed to notify the XXXX or XXXX of the dispute. XXXX is reporting inaccurate information in reference to XXXX XXXX, they are reporting the date of the last activity instead of the date of first delinquency. Im requesting these items be deleted from my report.
Product: Credit reporting or other personal consumer reports

i did a credit check to see about my file and noticed there are fraudulentt accounts on my file these need to be removed asap this is a VIOLATION of the law 15 USC 1681s-2 says nobody shall support to not furnish any information relating to a consumer reporting agency if the person knows or ha reasonable cause to believe that the information is inaccurate. these need accounts should be deleted and removed within 4 days of receiving this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard inquiry on my transition credit report dating XX/XX/2022. For a XXXX XXXX. 

This was not authorized. 

I only have 2 credit cards. And have made no recent inquiries. 

I have reached out to them and have not gotten a return call since XX/XX/2022. XXXX. 

Please advise.