23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 4. Consumer address at which original account was opened 5. Date of first delinquency 6. Itemized calculation of alleged debt If Jefferson Capital Systems is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent, request account deletion from all credit reporting agencies, and request that the account not be sold or transferred.
Product: Debt collection

I checked my credit report this year and there is a loan showing on the report for {$3900.00}. It shows the loan was open on XX/XX/XXXX. It has very derogatory remarks on my report saying that the loan is 3 months past due, but I never opened a loan for this amount. This is false information and needs to be corrected. I have not taken out a loan in XXXX. If this is an incorrect date my report needs to be updated to reflect correctly. I've tried calling debt recovery solutions to get them to update the record but they are saying that they can not change the record. When I disputed this with XXXX, XXXX, and XXXX and all three stated that this meets FCRA requirements. They also shared that the loan wasn't opened XX/XX/XXXX, but it went into collections back in XX/XX/XXXX. The problem for me is that on my credit report, it is being displayed like this is a brand-new loan, when in actuality this loan is extremely old. The dates should reflect that on my credit report and it is not. I don't know what more to do about this issue. The confusion came about when it was put on my credit like it was opened this year. I thought I had encountered identity theft, and the confusion could have been avoided if Debt Recovery Solutions had put accurate information on my credit report. I don't feel comfortable with discussing payment arrangements because based off of the reviews about this company, there are multiple people stating that they have paid and it hasn't gotten removed from their credit report. I am asking for help to resolve this matter. Attached are the screenshots from XXXX, XXXX, and XXXX where it is being advertised that this loan was opened XX/XX/XXXX. As you can see, XX/XX/XXXX is nowhere on my credit report. They are making it seem like this is a brand-new loan.
Product: Credit reporting or other personal consumer reports

On XXXX a request t to do a security freeze was requested to Factor Trust and they denied conducting the freeze. The were requesting a copy on my SSN card to be mail to them to be able to conduct the freeze. After multiple attempts the did continue to deny the freeze. I did conduct their identity verification by providing my SSN, Home address, and phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX client XXXX XXXX is a victim of identity theft ; his information was used wihtout his consent to apply for accounts and services. Applications for XXXX XXXX XXXX XX/XX/XXXX and CBNA/Best Buy XX/XX/XXXX were submitted using his information. While no accounts were established the applications left fraudulent related inquiries on his credit reports with XXXX  and XXXX. Official disputes were sent to both of these offices XX/XX/XXXX in an effort to remove these items from our client 's credit reports however as of this data neither organization has followed up with a reply ; this is a violation of the FCRA and my client 's consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Bankruptcy XXXX XXXXXXXX account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT IS PAID IN FULL. XXXX XXXX IS SUBMITTING TO XXXX THAT THE ACCOUNT IS A CHARGE OFF. THE PAYMENTS WERE SENT TO XXXX, XXXX, AND XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding incorrect information on my credit report that has been verified by XXXX as accurate. Upon closer inspection, I have identified several inconsistencies that are grounds for deletion : 1. Incorrect Information : The account status listed on my credit report by XXXX contains incorrect information, including the date of last payment, the date opened, and the date last active. 
XXXX. Inconsistencies Across Credit Bureaus : The account status is inconsistent across the three major credit bureaus ( XXXX, Equifax, and XXXX ). 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumers credit report must be accurate and consistent. Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation into disputes and ensure the accuracy and completeness of information. Furthermore, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and compel the credit bureaus ( XXXX, XXXX, and Equifax ) to delete the incorrect and inconsistent account from my credit report. The inaccuracies and inconsistencies in reporting are causing undue harm to my creditworthiness and financial reputation.
Product: Checking or savings account

I bank with Citibank and I went on XX/XX/year> to take out my tax return cash when I went to the branch I tried taking out cash mind you Ive used it that day prior no issues with buying food or anything else I went with my driver license no issue they just needed to verify XXXX XXXX deposits which one was for my tax return and another was for my school loans. The representative told me they needed to look into my account and they have it on hold at the moment. I was furious I have never had any fraud or never have done any fraudulent transactions on my account I dont even deposit checks into it for the same reason. I went ahead and tried calling Citibank to see whats going on and before I knew it they informed me they closed my accounts with my entire funds in it. I have no money whatsoever to feed my children or for gas my son has XXXX on Monday and I need my money to pay for things and they didnt care to retrieve me my funds whatsoever. So why am I getting my account closed for my tax return being deposited.
Product: Credit reporting or other personal consumer reports

This company in beyond violation it updated in XXXX to closed than XXXX but opened in XXXX Keeps violating negative marks monthly after closing and write off, refuse to send XXXX income form on this account. 

Also beyond the statue of limitations for Massachusetts collection laws Violation after violation Please remove negative accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In support of CFPB Complaint ID XXXX. Kindly review attachments illustrate willful violation and or reckless disregard for Mr. XXXX SSCRA protected member protected rights relevant to an ongoing investigation. Furthermore, Experian since 2004 reported defamatory, libelous statements defaming my good name and reputation to date. Acting furtherance in adverse action or retaliatory and wanton conduct casting aspersions about SSCRA protected member are a gross fabrication to lenders, bankers, and potential employers. Experian violated 15 U.S.C. 1681n ( a ) " any person who willfully fails to comply with any requirements under this statue is liable to that consumer ( complainant ). 
See Harris vs Mexican Speciality Foods, Inc ; 564 F.3d1301.1306 ( 11th Cir.2009 )
Product: Debt collection

I, XXXX XXXX, entered into a credit consumer contract with Bank of America. They have not done the proper investigation requested. They have violated several of my consumer rights. This has seriously hurt me as a consumer, and has caused a lot of stress. This alleged debt has not been validated. They also shared my private information which is also a violation according to 15 USC 1681a ( d ) 2 ( a ) i.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX Notice Pursuant to 15 USC 6802 Dear XXXX XXXX XXXX XXXX XXXX I am writing to formally notify you, as a consumer, of my decision to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties, in accordance with the provisions of 15 USC 6802.

As outlined in 15 USC 6802, I expect XXXX XXXX XXXX XXXX to adhere to the following requirements : XXXX. Clearly and conspicuously disclose, in writing or electronic form, that my information may be disclosed to third parties. 
XXXX. Provide me with the opportunity, before the initial disclosure, to direct that my information not be disclosed to such third parties. 
XXXX. Offer an explanation of how I can exercise the option to prevent disclosure. 

I hereby exercise my right to opt out, and I request that you take immediate steps to cease the disclosure of my personal information to third parties, specifically XXXX, Transunion, and XXXX. I am aware that the Fair Credit Reporting Act ( FCRA ) stipulates penalties of {$1000.00} per violation, both for the furnisher and the reporting agency. 

I demand the prompt removal of my personal information from the aforementioned credit bureaus, as its continued reporting constitutes a violation of my rights under the FCRA and 15 USC 6802. 

Please confirm in writing that my request has been received and implemented. Failure to comply with this request will result in the pursuit of legal remedies available to me under the mentioned statutes. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Citibank did not resolve the dispute for {$3400.00} on Citi XXXX credit card but instead issued a permanent credit in my account for {$250.00} as a courtesy. 

XX/XX/XXXX - I opened a dispute on a Citibank credit card about purchase {$3400.00} from XXXX on XX/XX/XXXX with reason " Goods / services never received '' for the air tickets with canceled flights which were not refunded. 
XX/XX/XXXX - Citi closed the dispute and requested an additional documentation about disputed purchase if we still wished to dispute the purchase. 
XX/XX/XXXX - I sent email to Citi asking to continue the dispute and included requested documentation about the transaction, 02-01-emailToCiti.pdf attached. 
XX/XX/XXXX Citi sent me a letter that they " did not receive documentation that the merchant is unable or unwilling to provide the service ''. 
XX/XX/XXXX I called to Citi explaining that I had provided documentation earlier and the Citi agent confirmed that they had missed my email. Also, I sent an additional email to Citi about the fact that XXXX received refund from airlines for the canceled air tickets but no refund was provided to me, XXXX attached. 
XX/XX/XXXX Citi sent me an email with confirmation about receiving the additional information from me about the dispute. 
XX/XX/XXXX I called Citi ; Citi confirmed that they found the documentation which I sent them on XX/XX/XXXX and on XX/XX/XXXX and reopened the dispute. 
XX/XX/XXXX - Citi sent me an email with confirmation about receiving the additional information from me about the dispute. 
XX/XX/XXXX Citi closed the dispute and added {$250.00} issued a permanent credit in my account instead of resolving the dispute, 05-05-fromCiti.pdf and XXXX attached.
Product: Credit reporting or other personal consumer reports

I discovered errors on my credit report under 15 USC 16c-2. The inquiries noted were not approved and are affecting my credit negatively. Please eliminate all unauthorized hard inquiries. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, I went through this process THREE times with Citizen 's Bank HELOC which I received a letter entitled, " Your Investigation Results '' which states that Citizens One Loans is " deleted '' from credit report I thought they understood that meant it was not me who spent the {$9000.00} line of credit and beyond a preponderance of the evidence, it was their senior representative - XXXX. 
In the previous Complaints to the CFPB, there Office of the Chair was just answering my complaints as if tea ever read them!? In the complaint, I wrote that I was told, years ago, by XXXX that it was costly to transfer money to pay my HELOC and at the time, I trusted banks! XXXX of 2016, I entered the bank seeing XXXX, the teller closest to the entrance. I saw on his computer screen my account opened and a larger amount deposited into an account I thought XXXX closed and money buy the hundreds was being transferred into my checking account # XXXX!!! I did not know at the time to take a picture and where is their fraud department as I had an account there for over 25 years and if I wanted the money ( check from XXXX XXXX ), I would have deposited it into said account!!! 
The Office of the chair in my last complaint told me it does not cost anything to make transfers ( I KNOW ) and Informed me that I should go to XXXX XXXX ( which I DID & sat in that office ( prior to the chair 's office recommendation! ) as I have my XXXX! Although it would be illegal to take advantage of a XXXX XXXX individual. I never made a claim for water and sewage back up which is what the heck is written on the check I never deposited into closed, I thought, account!!!!! 
I just got a bill AGAIN saying I owe {$100.00} by their Equity Department manager in the Collections Equity3?!?! By the way, the branch at the location I banked CLOSED!!! I wonder why ...!?!?! 
I never took any money from that account but was paying it! 
Once, I went to the bank because I never in entire time banking at Citizen 's received any statements for that account not knowing that there are billion dollar lawsuits for a bank to have an account open in their name and that person, in this case ME, not knowing about it! or never receiving statements!!!! in my last complaint, Citizens hello department I infer thought it funny to send me all the paper work at once so the pile was 3 inches high or more!!!!! Little too late I think!!!!! I was unaware of activity as I never made activity!!! I asked for XXXX and he 'actiing ' like he was having serious conversation with the HELOC department ( way before this incident in 2016 ) but when I asked what was said he told me that he could not discuss it and being naive, I accepted that as an answer ( don't ask me why?! ).

I do not owe any money to Citizen 's and why did I get a removed from credit report and still get a bill????? 
I DO NOT OWE IT WAS A RESULT OF IDENTITY THEFT!
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
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 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 XXXXXXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$9700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$3600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$4400.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries from XXXX  XXXX XXXX Ive never applied for any credit card from them Im a identify theft victim n its hurting my credit with hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed by credit report its some fraudulent accounts appearing on my credit report that are incorrect and inconsistent. I will put the accounts below. 
XXXX XXXX : Act # XXXX XXXX XXXX : Act # XXXX XXXX XXXX : Act # XXXX XXXX : Act # XXXX XXXX XXXX : Act # XXXX XXXX : Act # XXXX XXXX XXXX XXXX : Act # XXXX
Product: Student loan

Following the complaint I filed last month ( Case Number XXXX ), XXXX XXXX of ACS stated that on XXXX XXXX, 2015 {$12000.00} was deposited into my bank account electronically. 

First, no funds have been deposited into any bank account I control. Upon discovering this, I have made repeated calls and emails to ACS and XXXX XXXX for over a week. Thus far, none of them were returned. By calling the main line, however, I was able to speak with a base level customer service employee who informed me that the {$12000.00} was sent to an account with XXXX XXXX XXXX. I have no XXXX account on file with ACS, the XXXX account I once had was closed a long time ago and all references were deleted from my end of their system in XX/XX/XXXX and updated to XXXX XXXX XXXX. I do not know why ACS sent the funds to XXXX, nor do I know who currently is holding those funds, but I do not have any accounts with XXXX and can prove that fact. Consequently, no funds have been returned to me, despite XXXX XXXX 's claim that they were. 

Second, I did not authorize this transaction. In fact, when I became aware of the situation, I left XXXX XXXX a voicemail indicating that I wanted to be fully informed of the financial ramifications and how interest would be calculated prior to any action. No authorization was made. Had XXXX XXXX called me back, I likely would have refused the refund or, at the very least, informed him of the proper place to send the money. 

Third, I have repeatedly called XXXX XXXX and the Resolution service of ACS and no one has returned my calls. I have also emailed them and have received no responses. The only success I have gained is with base level customer service, but they are unable to help me and were merely able to inform me that the money was sent to XXXX XXXX XXXX. 

As it currently stands, it appears that ACS has taken {$12000.00} and it appears they have no interest in even discussing the matter with me directly. 

Surely, if this remains uncorrected it must be a violation of civil and criminal law. I ca n't imagine you can simply seize over twelve thousand dollars without any repercussions. There must be some form of fiduciary duty in play with regard to the payments that I had already made to them. I can not imagine that ACS is allowed to erase past payments without authorization, and then send that money to a random XXXX account.
Product: Debt collection

Convergent Outsourcing, Inc. sent a demand letter to my client alleging that she owed {$970.00} to XXXX. She does not have, and has never had, an account with XXXX. The fraudulent demand offers to settle for 50 % if she pays within 45 days.
Product: Checking or savings account

This issue with Bank of America and XXXX. 

On XX/XX/XXXX and XX/XX/XXXX transactions were made in error via XXXX to the wrong person. 

BOA and XXXX were contacted on XX/XX/XXXX about the error. Both pointed at each other about how to resolve. On XX/XX/XXXXspoke with an agent in the Move Money Dept of Bank of America. Who provided me a claim # and stated it would take 10 days to investigate. On multiple occasions, I have contacted the bank of the error and no one has a process to rectified a human error. I received confirmation today that they are closing the claim and not issuing my funds back into my account. I have email confirmation that this was done in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Uplift and returned on XX/XX/2022. 
I called them two weeks again informing them I have been returned the dispute form back.

I was told I would receive a call back from the Fraud department. I never received a call.

This is not my account it is ridiculous how Uplift is handling this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$1600.00}, XXXX XXXXXXXX Balance : {$1300.00}, XXXXXXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This company is re-aging the account as the LAST DATE OF ACTIVITY CHANGES and DIFFERENT ON THE XXXX AND EQUIFAX. Also, they never provided proof of notice... Therefore, please delete this account. 

I have attached a picture for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act this creditor has violated my rights. Under 50USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under and open a consumer credit plan as late for any purpose. Under 15C USC 1692G section 809 B creditor failed to validate a debt