23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

We vacationed in XXXX in XX/XX/2024. We made several purchases on our XXXX XXXX credit card issued by Barclays Bank. When we received our credit card bill we noted several fraudulent charges. We disputed those charges and Barclays credited our account for all of them. Later, we received notice from Barclays that they had received proof of the transaction from the unnamed vendor and that they were reinstating the charge. We requested a copy of the vendors letter. It was completely in XXXX and did not identify the vendor. They claimed that a copy of the signed receipt was attached but there was no signature just a letter P that was not it in my handwriting. I explained the discrepancy to Barclays and they said they would reopen the dispute. Today we received a letter from Barclays claiming they recharged our account and suggested that we pursue reimbursement from the merchant. Unfortunately, we have no idea who the merchant is and Barclays has not provided any useful information about them.
Product: Debt collection

CFPB Complaint XXXX XXXX, filed on XX/XX/year>, is still pending a response. Since the complaint Jefferson Capital has transferred the account to to another debt collection agancy, violating the Fair Debt Collection Practices Act 1692-1692p. CFPB Complaint XXXX XXXX states a debt, " was placed with our office by our client, Jefferson Capital Systems XXXX XXXX Unauthorized contact was made. 
In CFPB complaint XXXX XXXX XXXXin response to the correspondence we received via the Consumer Financial Protection Bureau on behalf of XXXX XXXX XXXX regarding the XXXX XXXX debt that we acquired, which is now associated with JCS XXXX XXXX XXXX. In response to XXXX XXXX dispute, we have terminated collection efforts on the debt. Thank you for the opportunity to respond. '' The debt was terminated and no further efforts to collect the debt should occur as there was no " Validation of Debt '' under Federal Debt Collection Practices 1692-1692p, Jefferson Captial Systems XXXX JCS XXXX XXXX XXXX within the thirty-day period. Letter of Validation of Debt was sent on or around XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is incorrect i have never been late. 
30 DAYS LATE XX/XX/XXXX XXXX XXXX/XXXX XXXX   ACCOUNT # XXXX. 
30 DAYS LATE XX/XX/XXXX XXXX XXXX XXXX  XXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine and not related to me. I am victim of identity theft and I do not want to be any longer in a position where I have all these issues in my report. Please remove this account
Product: Debt collection

Prior to any invoice, I received a phone call from XXXX XXXX office attempting to collect {$1600.00} over the phone for payment for a XXXX. I advised that was inaccurate as they were in an in-network provider and I had high cost XXXX XXXX XXXX XXXX XXXX dental insurance and XXXX XXXX health which also had a dental provision. XXXX 's office refuses to take the mandatory write off that she is contractually bound to take as an in network provider. I already paid {$200.00} as reflected on the invoice. Please see the insurance patient responsibility of {$400.00} leaving a total of {$200.00}. remaining due. I requested an updated accurate invoice and XXXX refused. At that time I submitted a accurate XXXX review to which XXXX became enraged and sent my account to collections LESS than 3 weeks after sending the initial invoice. 
I filed an ongoing grievance with XXXX XXXX XXXX XXXX where XXXX is claiming she is not an in network provider in an attempt to harm my credit. Please see attached which clearly shows all facts above including that XXXX XXXX is on-network.
Product: Credit reporting or other personal consumer reports

I sent the attached letter to XXXX XXXX. I also called to try to resolve the issue. When COVID-19 forced the closing of my employer in XXXX of XXXX I called immediately to discuss options. I was not late then, but I asked what I could do in light of what was happening. The representative was kind. She said that, for three months, no late information would be reported on the card. I then called XXXX XXXX XXXX to set up this account with a payment plan. XXXX XXXX refused to work with XXXX despite their attempts to pay the bill, despite what they told me over the phone. Attached is documentation that 1 ) shows the late payments on my credit report, 2 ) shows my employer was closed, 3 ) shows I acted within the bounds of the CARES Act during COVID-19 by calling and with XXXX calling XXXX and 4 ) shows payments which were not applied to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below the company stated that I failed to pay. I have attached proof that I have made payments to the account as agreed to by the bank. I have been trying to work with bank to settle debt. 


XXXX XXXX XXXX XXXX {$27000.00} Installment Negative XX/XX/XXXX Experian Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} {$1500.00} 70 % Revolving Negative XX/XX/XXXX
Product: Checking or savings account

Beginning on XX/XX/XXXX I began having ACH transactions reversed from my business checking account to my creditors. All of the transactions listed below were coded incorrectly. All the transactions were coded XXXX Frozen Account when in fact my account was not legally frozen. The bank verbally agrees that my account was not legally Frozen. They ( branch manager and the asst manager ) say account was never Frozen but yet the ACH department gets their information from the bank as to why ACH transactions are reversed. I did make a deposit in the amount of {$2000.00} on XX/XX/XXXX that the bank put a hold on. They say this is the reason for the returns but that does not explain why I had the return on XX/XX/XXXX that was coded as if my account was frozen and furthermore these other transactions should have been coded XXXX uncollected funds not XXXX Frozen account. The deposit in question never should have been held as it cleared the other bank the same night it was deposited but my bank said the funds couldnt be verified. They already had the funds. I have spoken to the branch manager 3 times, the Asst manager atleast 5, customer service 8-10 times, I have filed a complaint and a dispute with the bank. All I need is a letter from my bank stating my account was never frozen and is a valid account. The branch has contacted the legal department and they are not allowed to write a letter for anyone about anything. I have contacted XXXX and spoke to customer service manager who was the first person to understand the ramifications to my business due the codes being wrong. The bank XXXX manager was supposed to call me but I never heard from them. It has been 6 weeks and no resolution. I have no access to my business line of credit, I have to now hand walk my XXXX XXXX payments in person to pay in cash at a XXXX store for the next 12 months and due to the XXXX return I may not be able to get another working capital loan from XXXX for my business. This has greatly effected my business and I am unsure of the future ramifications to my business. This could honestly put me out of business if it is not resolved and I can not access my line of credit or renew my working capital loan. I started this XXXX in XX/XX/XXXX and my account has been with Huntington for about 19 years back when it was XXXX XXXX. Also, none of the transactions show on my account that they were returned or paid and I was not charged a fee for any of these returns. XX/XX/XXXX- XXXX return code XXXX {$240.00} XX/XX/XXXX- XXXX XXXX return code XXXX {$230.00} XXXX XXXX XXXX return code XXXX {$240.00} XX/XX/XXXX - XXXX XXXX return code XXXX {$230.00} XXXX XXXX return code XXXX {$240.00} XX/XX/XXXX- XXXX XXXX return code XXXX {$230.00} XXXX XXXX ( XXXX ) return code XXXX {$200.00}
Product: Debt collection

Monterey Collection is in my credit report with XXXX XXXX XXXX XXXX debt. I have tried sending validation request for the account. But they never responded to me. Also account keeps coming back verified but the balance is not reporting consistently. This is a violation. They don't have the proper documents to validate the debt. This is tracking # XXXX when I first sent my letter. See attached for proof of inaccuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is double reporting with NAR # XXXX on my credit report. I got scammed via my XXXX   XXXX when someone got my info and had {$5000.00} deposited and then told me to send {$2500.00} of that to them via XXXX XXXX. I got a police report number to file but got a judgement. I was served and signed an agreement with NAR to pay off the rest. XXXX XXXX should be a zero balance and I should not have these accounts as they are fraud.
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 confidentially under 15 USC 1681. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXX 15 USC 1681 section 602 A,  States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

All 3 credit reporting companies show me in bankruptcy when that is incorrect. my bankruptcy was voluntarily dismissed by me ; however, my credit reports do not reflect that and is hindering me from getting an apartment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed a collections account for {$100.00} on behalf of Spectrum, from a company called XXXX XXXX had again surfaced on my credit report. As a result I filed a dispute with Equifax and XXXX on XX/XX/XXXX. I expressed my frustration with this being the 4th time this item had shown up on my reports, but this account was settled on XX/XX/XXXX with a collections collections company called XXXX ( auth code XXXX ). It cleared my bank account on XX/XX/XXXX. I was offered and paid a settlement amount of {$28.00} to close out the account. I made XXXX XXXX collection agents aware of this and I shared this via my dispute with the bureaus and told them if this harassment continues, I will file a lawsuit against XXXX and the reporting Bureau. With the above stated, this complaint is directed at Equifax, because despite filing a dispute, they lowered my credit score by 19 points two days later, while the dispute was still under investigation. Subsequently, XXXX because a dispute was being investigated, did not lower my score. Actually, they increased it by a couple of points due to continued debt decreases. This is grossly irresponsible of Equifax being that a dispute was filed and they can easily check their records to see how often this has surfaced on my report and then removed via previous disputes that I should not be penalized. It honestly feels retaliatory.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 Balance XXXX {$82.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}
Product: Debt collection

Yesterday I received a court summons filed by Levy & Associates, LLC who represents XXXX XXXX XXXX in my PO Box when checking for my car registration. I had contacted the firm while still at the post office to get started in planning a payment arrangement, explaining to them that I had a death in the family and was recovering my finances and getting up to date with a variety of bills along with taking care of the deceased estate and caring for the deceased while she was in the hospital and the XXXX  XXXX. I had explained also that XXXX XXXX XXXX was engaged in theft and filed a complaint against them about that. I contacted them this morning and after being on hold for a hundred years and several attempts, I reached a non-attorney debt collector by the name of XXXX, who stated that I need to recant my complaint with the CFPB before they can talk to me. I then contacted the CFPB and was informed that they had no right telling me that. I then attempted to call them and with no avail.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have tried many different ways to get these items removed. I am now pending litigation on Experian. This is my last effort in contacting them before filing with the courts. I am insisting on a credit block being issued immediately pursuant to 15 usc 1681 605 B ( A ). I have attached all documents needed according to the law listed as well as several others listed in my letter attached that i've not only sent but also done CFPB complaints to no avail. There is clearly no investigation being done at all, no communication back to my requests within the letter, and no proof of the items I've asked for either. Please ensure all items listed in this report are taken care of. If you are having issues removing the late payments, remove the accounts altogether such as XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

The self account reporting is also not only not my account but is incorrectly reporting transaction history. You cant be 120 days late, 150 days late, CO, XXXX blank months, and then back to 120 days late.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX TX - XXXX - XX/XX/XXXX - {$140.00} XXXX - XXXX - XX/XX/XXXX - {$160.00} XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$2800.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX  - XXXX - XX/XX/XXXX - {$140.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$140.00} XXXX - XXXX - XX/XX/XXXX - {$200.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$210.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$320.00} INQUIRIES : XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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. 
XXXX Account # XXXX XXXX XXXX XXXXXXXX A, 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 or other personal consumer reports

I started the car loan in XXXX, the car was repo in XXXX after making payments, XXXX realized it was mistake and released the car immediately with no additional fees, the next month I saw a fee for XXXX dollars when I questioned it they told me they have the right to charge since the car was picked up, I was not late and made payments see attached. 
In XXXX, the car was list as destroyed by natural disaster, at the time the car was total out but XXXX could not confirm the information requested by the insurance company, so the claim was never granted. XXXX closed the matter even though I was still making payments. They conveniently came back in XXXX and open the account. In XX/XX/XXXX, XXXX came an repo the car, I was making payments. 
XXXX is a fraud, they do not honor their payment extensions, they do not post payments correctly and they are inaccurately reporting this account to all three credit bureaus. They have this account listed as repo in XX/XX/XXXX, and that they have no information on me paying in XXXX. They are hurting my credit and me obtaining a new vehicle because of this inaccurate information. They say I still owe XXXX after paying from XXXX XXXX, my loan was up in XXXX. So how did my credit report get updated to reflect a repo in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my consumer reports and noticed some hard inquires that were not authorized by me the consumer. Theses items are effecting me negatively and were not made by me the consumer.
Product: Credit card

I had serval thousands of dollars of fraud on my Citibank credit card in XXXX after your company erroneously sent a replacement card to the wrong address. I paid approximately {$760.00} and disputed the charges which were ultimately determined by Citibank to be fraud. That money was never returned to me. I need all money owed to me refunded and sent to my new address below. I contacted your company attempting to resolve this issues several times and was finally told to write a letter with the information below to this address. Please let me know if there is anything else I need to do. 

I contacted CitiBank via a phone call on XX/XX/XXXX after being notified by a third party that the money was owed to me. They told me to mail the information to them which I did the same day. I mailed them the information above with additional credit card information. I have still not been contacted by the company. Since then I have spent hours on the phone trying to resolve the issue with CitiBank without success.
Product: Debt collection

I provided the correct information to the company they choose to not send the claim to the correct claims address to be paid.. I answered everytime they called an gave them the correct information to send claims to but they never sent them. Instead sent to collections even though they had a claims address for XXXX XXXX on file. I called my insurance they said company never sent anything. I called XXXX XXXX representative stated a completely different address they sent claims to told her this was incorrect she stated will theres nothing we can do thats were we sent it talk to collections. 

Attached is the correct claims address when checking there records you will see they did not sent here
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed claims against XXXX and XXXX over 33 days ago with CFPB regarding a fraudulent account on my report. I have been trying to work with both the creditor and the credit bureaus to have this account removed from my credit report. I also mailed in a letter to the creditor asking for documentation showing my signature or consent to open this account under my information over 43 days ago which I HAVE NOT RECIEVED. This creditor has failed to provide me with supporting documentation verifying the debt and ownership documentation, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). This account was opened fraudulently WITHOUT MY KNOWLEDGE OR CONSENT. I am a victim of identity theft! Reporting Agencies can not furnish accounts WITHOUT my WRITTEN consent and collection agencies must! Please block and remove these collections and accounts from my credit report, Pursuant to Section 605B of the Fair Credit Reporting Act, and send the required notifications to the furnishes of this information. 


XX/XX/2023 XXXX CFPB Claim # XXXX XXXX CFPB Claim # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, This Consumer Note is my official call for you to discontinue reporting of the items below-displayed and the aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and otherwise physically verified and validated claims. Due to at least these few compliance issues in your current reporting, I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

Please delete the following unverified fraudulent account : 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

In XXXX I reached to the credit bureaus Experian, XXXX and XXXX and public record was removed from my reports i have provided them with documentation showing that this public record was removed from XXXX  and not my other reports