23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I would like to report an unfair debt collection from XXXX XXXX XXXX XXXX Round XXXX XXXX XXXX XXXX IL. I had been a resident of Smile student living from XX/XX/2021 to XX/XX/2021. It was my first time staying in the United States and I was made to pay around {$1200.00} as a non-refundable deposit to Smile student living ( for the purposes of cleaning and damages once I move out ). After I moved out I was sent a notice to pay {$650.00} by XXXX XXXX student living saying it was for cleaning charges. My lease did not mention anything as such since I already paid the amount before moving in. When I asked for an itemized bill for the additional charges and the bill from the companies they claimed to have hired ( for cleaning, repair, etc ) for the said {$650.00} charges, they did not send it. A couple of months later I received a notice from XXXX collection solutions instructing me to pay it. I contacted the student legal services at XXXX and they said they would talk to the XXXX collection agency. After that, I did not receive any notices from them. However, all of a sudden my XXXX XXXX went down by XXXX points today. I do not understand what to do about the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Out of nowhere, XXXX added 25+ delinquent student loans accounts to my credit. I tried to to dispute it for over 1 year and has ruined my credit. I even resorted to the FCRA which clearly states in Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. And they admitted that they can not show me the original documents because everything is submitted electronically. They're literally in violation of the FCRA. I demand immediately removal of said accounts or I'll take legal action via trial by jury pursuant to the 7th amendment.
Product: Credit card or prepaid card

{$190.00} electronic payment that was made electronically from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to Bank of America on XX/XX/2022. Bank of America said that they are unable to find the payment, and XXXX XXXX XXXX  confirmed that they executed the payment properly and that it was received by Bank of America. I submitted requested copies of Bank statements and Proof of Electronic Payment from XXXX XXXX but Bank of America it said can not find the payment. The payment was intended to pay my XXXX bill statement account XXXX but, by mistake, it was sent to an old/closed VISA account XXXX. In any case, the money was transferred to Bank of America and they should be able to trace the transfer with the Proof of Electronic Payment which is a Bank-to-Bank tool for tracing payments. It is incredible that Bank of America can not find the funds credited to them even with the Proof of Electronic Payment. Please help, Thanks, XXXX XXXX
Product: Debt collection

Constant, daily calls, sometimes multiple per day regarding a finance loan for a XXXX XXXX. I am not this person nor have I have ever had any business with Capital One.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. 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 XXXX XXXX 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 reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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. 


XXXX XXXX XXXX XXXX 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! 

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

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # 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 furnish a account without my written instructions
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against JEFFERSON CAPITAL SYST or egregious violations of my consumer rights, as protected by the Consumer Financial Act. It has come to my attention that JEFFERSON CAPITAL SYST placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt.

I hereby declare my revocation of all communication channels with JEFFERSON CAPITAL SYST, including txt messages, emails, and phone calls. I insist on engaging exclusively through written correspondence.

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that JEFFERSON CAPITAL SYST provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If JEFFERSON CAPITAL SYST is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

The date on my consumer report indicating that I opened an account with JEFFERSON CAPITAL SYST is blatantly false. I neither received any services or products from JEFFERSON CAPITAL SYST nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights.

Moreover, it has come to my attention that JEFFERSON CAPITAL SYST is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.

The actions of JEFFERSON CAPITAL SYST constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ,12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions.

Please keep me informed about the progress of this complaint, and I appreciate you attention. 

JEFFERSON CAPITAL SYST- $ XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau ( CFPB ) Complaints Department, I am writing to file an urgent complaint regarding the unlawful debt collection practices of Fair Collections & Outsourcing , Inc. ( FCO ), a debt collection agency. 

XXXX has unlawfully obtained and utilized personal and non-public information from XXXX XXXX XXXX  without permissible purpose or my explicit consent. Despite repeated requests, FCO has failed to provide a debt validation letter or obtain my explicit consent for the acquisition and use of this information. 

Additionally, FCO has engaged in collection efforts without legal basis, violating provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically sections 1681a, 1681n, and 6802b. These actions have resulted in significant financial losses and emotional distress, exceeding {$10000.00} due to the retraction of credit by creditors and repeated denials of credit opportunities. 

I urgently request your intervention to address these egregious violations and ensure that FCO is held accountable for their unlawful conduct. I seek remedies for the damages incurred and request that all collection efforts by FCO cease immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On I discovered ( Account Control Technology , Inc ) had been re-inserted into all my three credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 accounts with XXXX XXXX XXXX. Both accounts were paid off in full XXXX balance on the 1 on XXXX XXXX 2018. The other account was paid in full XXXX balance on XXXX XXXX 2018. Company had reported to all 3 bureaus on XX/XX/XXXX to XX/XX/2018 that accounts had XXXX balances and accounts reported being closed XX/XX/XXXX to XX/XX/XXXX XXXXWhich was correct and accurate. They then reported XXXX that both accounts still had original balances and I was hit with missed payments late fee 's on both accounts. this dropped my credit down XXXX points. I have my receipts of payment made in full and lien release paper and title to my vehicle witch was used as collateral. I had submitted numerous disputes with all 3 bureaus. to the extent of physically mailing in everything I'm going to attach to this. Contacted the company numerous times to. They tell me they never got paid. Which is a lie thank goodness for receipts when payments are made. Cant prove they received cash without them! They change there story all the time to. Never the same dates amounts complete bogus. They refuse to remove this from my credit along with the 3 bureaus. Showed the company copies of my receipts they refuse them how's that even possible? Then the posted amounts taken from my bank account. Still not good enough. there monthly billing statement reflecting the XXXX balances still not good enough. I got nothing else to show or prove..
Product: Debt collection

Medical bills were to be sent to auto insurance company for car accident. The was never sent to insurance company for processing, How Remex Inc a debit collector got my phone and acquisitions that they sent me statements and I did n't respond. They never sent any thing and didnot even have the right information. Even after i ask them to send me a bill they gave me the run around and also filed false information on my credit report.
Product: Checking or savings account

We were victims of wire fraud involving our CapitalOne account on XX/XX/XXXX. We sent about {$32000.00} to pay what we thought was the remainder of balance on our flooring purchase. We were informed on XX/XX/XXXX by the company that they were hacked with several other customers involved. We initiated recall with CapitalOne on XX/XX/XXXX. We are now at almost 6 weeks and still don't have an answer. We feel we are in the dark. XXXX is unable to help since we do not have account with them. CapitalOne is telling us they are waiting for XXXX to respond, XXXX is only able to tell us and only after filing a complaint that they have responded to CapitalOne. It appears that the two banks are responding but not communicating. We are unable to speak with anyone from Capitalone directly involved with figuring out this wirefraud, only that they will forward my message to the proper department. We have been customers with CapitalOne savings for more than a decade starting in XXXX with XXXX, subsequently taken over by CapitalOne. CapitalOne has used large sums of our funds for their investment with a very miniscule return for the customer.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXXXXXX 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : On-Time Payment : I made my payment on time, as evidenced by the attached bank statements showing the payment was processed well before the due date.

Clerical Error : I believe there was a reporting error, as I have never missed a payment for this account. A review of my payment history will confirm this.

Payment Confirmation Provided : I have attached additional documentation showing that the payment was made in full and on time, as confirmed by the creditors own records.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I have contacted Transunion Several times over the phone trying to get them to remove an unauthorized account from my consumer report XXXX XXXX XXXX Account ending in # XXXX. Dates contacted XX/XX/XXXX, XX/XX/XXXX, XXXX with no success. 
I am a consumer and per Title 15 USC 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 
I never received anything from Transunion asking for my consent regarding this alleged account. 
Transunion has not been fair nor impartial for placing this alleged unauthorized account on my consumer report. 
The adverse information prevented me from gaining new employment in these grave times during this pandemic. IT'S NOT FAIR. I am a single mother doing the best I can and you have no RIGHT to place this unauthorized information in my report. 
Furthermore, I want my ENTIRE Credit File pursuant to Titel 15 USC 1681g ( ANY and ALL information that has been reported on me ). 
If you can not provide a contract between Transunion and I the Consumer REMOVE the XXXX  ACCOUNT IMMEDIATELY! As I am in the process of seeking legal action. This must stop!
Product: Money transfer, virtual currency, or money service

I checked all my US Bank records, there was ONE document I missed when I first sent the complaint to US Bank. Complaint number XXXX in the amount of {$18000.00} on XXXX XXXX, XXXX, another {$10000.00} on XXXX XXXX, XXXX, in the Total amount of {$28000.00}. with the same address, recipient, account but two different amount. 

Beneficiary Account number : XXXX Recipient Bank : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  Recipient NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( next to 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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX & XXXX # XXXX Account name : XXXX XXXX  XXXX # 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 furnish a 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.

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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Vehicle loan or lease

I have contacted Wells Fargo several times for the information I was provided by Wells Fargo lawsuit against them. I am concerned I have some one in the company my personal information and I still have not received my lawsuit money from them yet. Please help and tell what I need to do
Product: Debt collection

This stems from a mortgage debt that was foreclosed and settled/chared  off seven years ago. This company keeps calling and saying I owe mon ey, though this matter has been finalized for years.
Product: Credit card or prepaid card

In XX/XX/XXXX I made a payment on my Target store credit card. I did n't realize that the payment was returned until I could n't log into my account one day and found out my account was showing delinquent. I called customer service and was told my online payment was returned unpaid by my bank. She explained that the XXXX in front of my account number were not showing up on my stored account info. I was charged an nsf fee as well as a late fee. This month I made my payment online and was very careful to enter all the numbers as shown on my checking account ( exactly as I do every other bill I pay ). Once again the payment was returned and I was charged an NSF fee. I pay all my bills this way and have never had an issue with any other company. I believe it is their system that is not recognizing the XXXX in the front of my account number. This time I contacted customer service right away ( I 'm not late yet ) and explained and asked if they will waive the fee and they told me no. This is not right and I think it has to be happening to other people. I think it is terrible that they are charging me for something that is clearly an issue on their end. As I stated, I have never had this issue with another company and I pay all my bills this way.
Product: Checking or savings account

I went to open account at XXXX XXXX tried opening online it said congratulations they sent my card I went to bank was gon na make deposit said they closed my account it was on early warning got in contact with Wells Fargo they told me someone opened account under my name Now I cant open bank account never called back never took me off list Now what shall I do XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I scheduled a payment to Citi through my credit union 's online bill pay. The date to pay BY was the due date from Citi on my statement ( XX/XX/XXXX ). The credit union sent a check instead of an ACH ( they do not allow me to choose ). The check arrived LATE due to Trump Administration 's slow down of the mail! Now I got a late fee ( they reversed that ) and interest charges ( I was informed by XXXX at Citibank that that is a " legitimate '' charge so they can't reverse the charges, even though I have stellar credit and never had an issue, even with any other credit provider! ). Now I have to pay over {$45.00} for the slowness of the U.S. Mail. I have filed a complaint with my credit union.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Ending in XXXX This card reflects delinquency in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, this account has payment protection on it. First, the card had been attempting to collect on the delinquent payment and knew it was due to a job loss, but never applied the credit protection program that I had been paying for ( a subsequent bill is attached showing the charge for credit protection ). <P/>Specifically, please pay attention to pay 5 of the attached where it reflects the charge for the credit protection as :XX/XX/XXXX CREDIT PROTECT XXXX XXXX XXXX XXXX {$1.00}, I have had this protection program since the accepting the card. <P/>Additionally, once the payment protection program was contacted they were to make all back payments, as well as remove the negative marks as it was an essential part of acceptance of the credit card as I had a reasonable expectation under the UCC section 2-201, that the minimum monthly payments would be made during the time of my job loss, and no derogatory marks be reported at inception and as a result of the promises made by the credit protection team. Further, the fact that XXXX XXXX XXXX attempted to collect on the debt knowing I had lost my job and not applying the credit protection program during our first communication in XXXX is a violation of UCC section 1-304, as XXXX XXXX XXXX was acting without good faith and with unclean hands.