23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and misleading reporting of a collection account from " XXXX XXXX ( Original XXXXXXXX XXXX XXXX XXXX XXXX '' for an alleged debt originally from XXXX XXXX XXXX XXXX XXXX XXXX 

Here are the specific violations that require correction or removal of this account : Illegal Re-Aging of Debt ( FCRA 609 & Metro 2 Guidelines ) The collection account reports different " Date Opened '' dates across the bureaus ( XX/XX/XXXX, XX/XX/XXXX ), making it appear newer than it should. 
The original delinquency date should be used, NOT the date the collection agency started reporting. This is a violation of FCRA rules.

Last Reported Date Manipulation ( FCRA 623 ) The Last Reported Date has been updated incorrectly ( XX/XX/XXXX & XX/XX/XXXX ), making the debt look newer, which unfairly impacts my credit score. 
Credit bureaus must not allow re-aging of debt by updating the reported date without real activity. 
Charge-Off & Collection Status Conflict ( FCRA 623 & FDCPA 807 ( 2 ) ( A ) ) The account is labeled as both a Charge-Off and a Collection, which is misleading and inaccurate. It can not be both at the same time.

This constitutes false representation of the debt under federal law.

Inconsistent & Misleading Comments ( FCRA 607 ( b ) ) The account has different comments across bureaus : " Placed for Collection '' ( TransUnion ) " Subject has not satisfied debt '' ( Equifax ) These are inaccurate, inconsistent, and misleading and need to be corrected or removed.

Failure to Validate Debt ( FDCPA 809 ) The debt collector has failed to provide proper validation of this debt.

I am demanding the original contract bearing my wet-ink signature or a full validation of this debt under federal law.

If the collector can not provide this, the account must be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charges on my credit report. I am a victim of identity theft. I would like to request that the following accounts be deleted from my credit report. The following charges were not authorized : XXXX Account # : XXXX and XX/XX/XXXX Account # : XXXX. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amounts be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Payday loan, title loan, or personal loan

They took An unauthorized amount from my banking account. I disputed it with my bank and got my money back. I tried speaking with a supervisor about the wrong amount they took and they basically told me I was out of luck. I did not pay the payday loan because of the bad business. They keep harassing me and have threatened to arrest me. Theyre calling family when I have not given them that information nor permission. This is a horrible company.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX and so forth are getting sued or have been i want what was taken from me
Product: Student loan

I CANT PAY {$500.00} A MONTH IM BASICALLY JOBLESS THIS BUSINESS DEGREE WAS THE WORST POSSIBLE MISTAKE I EVER MADE I CANT GET A JOB WITH IT, CANT AFFORD TO PAY FOR ANYTHING WITH IT CANT GET ANYTHING OUT IF IT IF I COULD RETURN IT FOR A REFUND I WOULD THIS HAS BEEN THE BIGGEST SCAM OF MY LIFE.
Product: Credit reporting or other personal consumer reports

I am a victim of identity Theft. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX, XXXX, has violated my rights. The identity theft also resulted in multiple inquires that I did Not approve at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my transunion credit report on XX/XX/XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

In 2019, I ( XXXX XXXX ) entered Into a consumer credit transaction XXXX, ( American Student Assistance ) became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, XX/XX/2019 I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this American Student Assistance has violated many laws according to truth and lending & FDCPA .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I have attached my invoice and License.
Product: Debt collection

I am writing to file complaint against JEFFERSON CAPTIAL SYSTEMS for their violations of consumer protection laws and misrepresentation of information on my credit report. I request your assistance in addressing these issues and taking appropriate action against JEFFERSON CAPTIAL SYSTEMS : JEFFERSON CAPTIAL SYSTEMS has failed to supply proof under the doctrine of estoppel by silence, as established in the case of Engelhardt v. Gravens ( MO ) XXXX XXXX XXXX. Based on this legal principle, I presume that no proof of the alleged debt exists, and therefore, the debt itself does not exist. I requested that JEFFERSON CAPTIAL SYSTEMS provide me with the completed original contracts, including all endorsements and assignments, pertaining to the account they have reported on my credit report. In the absence of such evidence, I urge JEFFERSON CAPTIAL SYSTEMS to promptly remove all inaccurate or unverifiable information related to the account from my credit report. Furthermore, I request that JEFFERSON CAPTIAL SYSTEMS ceases reporting this disputed information to any third parties immediately. JEFFERSON CAPTIAL SYSTEMS has violated 15 U.S. Code 1692e - False or misleading representations. Specifically, they have committed an act of reporting inaccurate information to the credit bureaus regarding alleged charged-off account, falsely representing them as open balances from the original creditor. It is important to note that charge-off debts must be reported to the IRS on Form 1099-C. Failure to comply with this requirement results in noncompliance with applicable tax laws, rendering such debts ineligible for assignment to a debt collector. Therefore, I request that JEFFERSON CAPTIAL SYSTEMS provide me with the completed original contract, including all endorsements and assignments, pertaining to the accounts they have reported on my credit report, as well as the contract I have with JEFFERSON CAPTIAL SYSTEMS. If they are unable to provide this documentation, I insist that all inaccurate or unverifiable information related to these accounts be promptly removed from my credit report. Additionally, I demand that JEFFERSON CAPTIAL SYSTEMS cease the reporting of this disputed information to any third parties without delay. I want to bring to your attention that JEFFERSON CAPTIAL SYSTEMS have shown a pattern of violating consumer protection laws by purchasing accounts that have been charged off and cancelled by Form 1099-C. I kindly request your immediate attention to this matter and a thorough investigation of the reported violations by JEFFERSON CAPTIAL SYSTEMS. I expect that appropriate actions will be taken to rectify these issues, hold the company accountable, and ensure compliance with consumer protection laws. I appreciate your prompt assistance in resolving this matter. Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I noticed a strange monthly autopay on my Wells Fargo checking statement that went back as far as I could look on the WF online banking. The payment was for Wells Fargo credit card that did not show up on my online banking, nor did I recall opening the account. I called Wells Fargo in XXXX and told them of this issue. They said the account was opened in XXXX in a branch, but without a signature. I do not believe I opened this account. Since XXXX, Wells Fargo has been taking from my checking account anywhere from $ XXXX $ XXXX monthly and paying this credit card which I never had possession of, nor did it appear in my online banking. When I spoke to them in XXXX, they said they would open an investigation and give me a call in 2 business days. A month later, they still had not called me back. I called again and they said they closed the case. I opened another case and no one called me. They sent the letter from their " investigation '' to my old mailing address. The investigation letter contained a number of false statements ( for example, it said the credit card had been used as recently as XX/XX/XXXX, but I obtained all the statements and it had not been used since XXXX ). I called back and was given the run around once again. I believe Wells Fargo fraudulently opened this account in XXXX, withdrew thousands from my checking to " pay '' it, and now have been giving me the run around for nearly two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I think a fair resolution to my issue is to remove my account I've paid this company in full what else do you want from me. They are reporting inaccurately stating that I was late XXXX of 2017 to XXXX and XXXX but yet stating I paid on time to XXXX  i don't understand. Your inaccurate reporting is hurting my character, reputation, and ability to get get approved for funding for new home. I've learned my lesson as a young adult to not do business with companies like Santander these companies are very inconsiderate and have no sympathy for their clients only for profit I Do Not Recommend doing business with this company they ruin your life and credit profile cant forget the ridiculous high interest. All im asking for is to please remove my account from all 3 credit bureaus i would like absolutely no ties with this Company thank you. 

I sent out sent out a dispute letter trying to get this resolved but they responded with a screenshot this does not help my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is in forbearance, and it was agree that the item would show as current on my credit report and there would be no late payments. 

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

XXXX XXXX did not properly post my payment to my account which resulted in a higher account balance being incorrectly reported to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance : {$8100.00} ; 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  {$2200.00} for a credit card I never received due to XXXX XXXX XXXX stealing all my USPS mail XXXX 
She stated she charged {$5000.00} and XXXX credited {$2500.00} back per Fraud department. ( XXXX ) I reported this identity theft in XXXX to FDIC, local white XXXX XXXX police XXXX XXXX XXXX # XXXX who has body cam footage of XXXX XXXX XXXX stealing my card at XXXX XXXX XXXX, XXXX, Nj XXXX. 

On camera XXXX XXXX XXXX used it inside XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NJ XXXX XXXX Store # XXXX XXXX XXXX, Store Manager XXXX I went into the store and spoken to security who stated in front of XXXX XXXX police XXXX XXXX XXXX XXXX on body cam she used my credit card on camera XXXX XXXX XXXX XXXX  XXXX ) XXXX I called XXXX, to XXXX XXXX XXXX. 

I had the FRAUD dept investigate this in XXXX, it was charged off XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting companies are destroying our lives when we pay our bills on time but drop our credit by large numbers if we us our credit cards, and this happens more with XXXX then with XXXX, I will file a lawsuit in court, this has to stop
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I contacted Seventh Avenue a mail order company again regarding an old account that is still listed in the credit bureau. The account was opened in XXXX. Seventh Avenue account is an old account, but the company keeps updating this account by saying I had order something between XXXX and XXXX, I did not order from their company catalog. I had already moved to North Carolina in XXXX and had not ordered anything from this company. First, they did a charge off and then they stated that I had ordered something from their catalog and paid for it by cash and so this according to them re-establishing/reordered from this account. To this date Seventh Avenue has not proved that I did in fact ordered from their catalog. I had moved and anyone living in my apartment building could have picked up the catalog and ordered something and paid cash for it. 
However, Seventh Avenue customer service XXXX- stated that there was an audit done on the account in XXXX she would remove it from my account. But the second customer service I spoke to XXXX stated that there was an order place between XXXX and XXXX and that they would investigate it. I did not order anything from this company during the dates that they indicated I had already moved from Massachusetts in the fall of XXXX. However, they keep updating my account and will not remove this from my credit report. 
The Fair Credit Reporting Act ( FCRA ) is a federal law that protects the accuracy, fairness, and privacy of consumer information. Therefore, this company is not reporting my credit accurately. They are unable to verify this information I indicated above. At first Seventh Avenue stated that this was a charge off if it was a charge off it should have been removed from my credit least 3 years ago also they must prove that they did not apply this account on their tax information seeking a write-off because according to the Federal government the debt has been rectified. So how can you charge off an account. Then the account is revived by purchases that I did not order.
Product: Student loan

I have 3 loans with Discover Student Loans and I have requested a lower payment, but they have said it is not possible to do before the charge off date of the loans. They are not willing to allow me to make a lower payment at this time in order to provide me with time to avoid charge off. At this point, they are forcing me to only move toward charge off of the loans because of their refusal to provide options.
Product: Debt collection

I was a victim of identity theft and noticed a collection from Credit Systems Intl I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Credit systems Intl in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my dispute for XXXX XXXX on XX/XX/2021 I Transunion Received my Dispute ( Files attached stating received ) I am well over my 30 days and I have yet to have any results via mail nor email I reached out to transunion directly for an update and on a recorded line representative XXXX Stated I should receive my results by XX/XX/XXXX. Today is XX/XX/XXXX I havent received any dispute results for XXXX XXXX, my Rights have been undermined and neglected.
Product: Debt collection

Hunter Warfield a debt collection agency based out of XXXX, Florida whose Ein number is XXXX, the registered agent name is XXXX XXXX, have been damaging my credit for over a year now. The alleged creditor is suppose to be the XXXX complex located iXX/XX/XXXX Georgia. First after checking the Georgia Secretary of the State business registration website, Hunter Warfield is not registered on the Secretary of the State data base as registered to do business in Georgia. Second, I never gave permission for Hunter Warfield to have my Social Security account number, they are in violation of 42 U.S.C 408 Penalties, which is a federal offense. Third Georgia Law regarding rental properties clearly state as far as security deposits, a move out inspection must be performed and the parties signature must be affixed. 
7. Security Deposit Move-out Inspection. Landlords who own more than ten ( 10 ) rental units, including units owned by their spouse and/ or children, or who employ a management agent, must adhere to a formal inspection process or forfeit the security deposit. 
Within three ( 3 ) business days after the lease terminates, or a reasonable time after the landlord discovers the tenant vacated, the landlord must inspect the unit and prepare a list of all damages and the estimated dollar value of such damage. The landlord must sign the list and provide it to the tenant. '' After disputing the debt Hunter Warfield committed violation 15 U.S.C. 1692e, along with 18 U.S.C.1341 by sending a statement of fraudulent damages not signed by a landlord which is a must according to Georgia rental law! Hunter Warfield to add insult to injury keeps adding interest on to the debt reporting the fraudulent debt to the credit bureaus. If damages were left why is it that the current apartment complex who called the XXXX to confirm verification was not informed of damages? Why is the damages statement not signed by I the tenant or the landlord? I have uploaded all proof by documentation. Hunter Warfield is trespassing on my constitutional protections to life liberty and pursuit of happiness I have plans on buying a home or moving to a more striving area and can't do that because of Hunter Warfield refuses to follow the law. Last in good faith I sent Hunter Warfield a notice stamped with a money order for discharge and they up until this day haven't accepted the payment which under U.C.C 3-603 is discharge whether accepted or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I have disputed with this company on various occasions starting back since XXXX of XXXX. The company has received my disputes in XXXX, XXXX, XXXX, and in XXXX. Each response comes back with it being verified by a third party such as XXXX XXXX or the courts. When i send in supporting documents from both third parties stating there is no record of said bankruptcy they still tell me it's verified. It is now yeXXXX and i've yet to get a satisfactory/ accurate reporting, which has been hurting my credit status for years upon years. The last time i disputed in XXXX i did not get a response and the FCRA gives the company 30 days to respond. i have not gotten a response.
Product: Vehicle loan or lease

I have paid this Auto loan in full as agreed. This account was paid in full
Product: Checking or savings account

On XX/XX/XXXX, my wife deposied a check for {$30.00} via USAA 's mobile app. The application accpeted the picture and deposied the check into our checking account. On XXXX XXXX, XXXX USAA took the {$30.00} back in the form of a " Return Deposit Item. '' Then on XXXX XXXX, XXXX the chearged us {$5.00} for the " Return Item Fee. '' On XX/XX/XXXX I called USAA and spoke to numberous people about this situation and eventually one of the people refunded the {$5.00} fee. I called back on XX/XX/XXXX and spoke to a " manager '' from USAA and she was able to find and acknoweldge that nothing was wrong with submitted picture of the check we sent in. 
Therefore, we did everything correctly and I asked for USAA to get us our money back. After many phone calls and escalations to some bogus " Executive Resolution Team '' we are still without our money. The manager I spoke with said the money would be sent to our account in a few days. I waited a few days and never got the deposit so I called back. This time, whoever answered the call said it takes up to 10 business days to receive the money. Ok, so we waited again. Today, XX/XX/XXXX, we still have not receieved the funds and called back. This time, they told me to mail in the check. 
I have told every single representitive that this whole issue and the reason I have been calling for weeks is because after we got the sucessful deposit message from the USAA Mobile App and after the funds were in the account we destoryed the check. We have no way of identifying who sent it and/or how to go about getting them to re-issue the check. 
This is USAA 's fault from beginning to the end. They have the full and proper image of the check within their system. THEY should do the necessary legwork and hunt down the information they need to return the funds they stole from me.