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

discover account - this is me putting DISCOVER on NOTICE for incorrectly reporting information on my consumer credit report. pursuant to 15 USC 1692 ( c ) - cease and desist. account number ending XXXX for the discover it credit card. this corporation has incorrectly been reporting credit history information. This is enough grounds to bring this person to court, for defamation and for financial injury pursuant to the United States court of appeals, Ninth circuit No. 00-15946 Nelson vs. XXXX  Manhattan . further more they could be liable for civil liability pursuant to 15 USC 1692k ( a ) ( 1 ) - any actual damage sustained by such person as a result of such failure. this fine begin at 1000.00 and is not limited to just this amount as the definition of any pursuant to blacks law dictionary is unrestricted. furthermore, Discover has revinsteagted this matter a series of times, and has apparently validated the debt without ever disclosing WHO the flesh and blood human being is that validated the debt is and without ever provision through public and private GAAp ( generally accepted accounting principles ) for the account in question which Is also a violation that carries civili liabilities with it. pursuant to 15 USC 1692k ( a ) ( 1 ), FCRA 623, and Cushman v XXXX XXXX US court of appeals for the third circuit court case 115F. 3d 220, June 9th 1997 Filed ( D.C. No. 95-cv-01743 )
Product: Debt collection

am submitting this formal complaint against Jefferson Capital Systems , LLC for unlawful debt collection practices and improper credit reporting in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Jefferson Capital Systems , LLC is attempting to collect and report an alleged re-aged debt that I have never received any notice of, nor have I ever been contacted about prior to its appearance on my credit reports. The alleged debt is from XXXX XXXX, with an amount of {$1400.00}, and is reported as opened on XX/XX/year>. 

Violations and Issues 1. Failure to Provide Required Debt Validation Notices I have never received any written notification from Jefferson Capital Systems , LLC regarding this debt, violating the FDCPAs requirement under 15 U.S.C. 1692g ( a ) that collectors must send a written notice within five ( 5 ) days of initial communication informing me of my right to dispute the debt.

2. Illegal Re-Aging of Debt The account in question appears to be re-aged, which violates the FCRA under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Jefferson Capital Systems , LLC is required to accurately report the original date of first delinquency ( DOFD ) and not misrepresent or reset this date to keep the account active on my credit report longer than legally permitted. 
3. Failure to Validate Debt Upon Request When I discovered the debt on my credit report, I immediately disputed it and requested full validation. However, Jefferson Capital Systems , LLC has failed to provide any verification or supporting documentation proving that I owe this debt. The law requires them to cease collection efforts and credit reporting until the debt has been properly validated.

4. Unlawful Collection Attempts and Credit Reporting Without Notice I have never received any communication from Jefferson Capital Systems , LLC before they placed this account on my credit report. This is deceptive and violates both the FDCPA and FCRA because I was denied the opportunity to dispute or verify the debt before it impacted my credit score.

Cease and Desist Demand Under 15 U.S.C. 1692c ( c ) ( FDCPA ), I am formally demanding that Jefferson Capital Systems , LLC : 1. Cease all collection activities immediately This includes letters, phone calls, emails, or any other form of communication regarding this alleged debt. 
2. Cease furnishing or verifying this account with the credit reporting agencies unless they provide : A copy of the original signed contract with XXXX XXXX proving my obligation to pay. 
A full and detailed payment history including the breakdown of any charges, interest, or fees. 
The complete chain of ownership of this account, showing how Jefferson Capital Systems , LLC legally acquired the debt. 
Proof that this account has not been re-aged, including the correct Date of First Delinquency ( DOFD ). 

If Jefferson Capital Systems , LLC fails to comply with this cease and desist demand, I request that the CFPB take action to investigate and enforce compliance with federal laws.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the ongoing issues with my open accounts at Equifax and XXXX XXXX XXXX Despite my repeated attempts to rectify the situation, the problem remains unresolved, causing considerable inconvenience and dissatisfaction on my part. I have been a loyal and responsible customer since then. I have always strived to make timely payments and maintain a positive financial relationship with your company. However, over the past several months, I have encountered repeated problems with my account, primarily related to late billings and inaccuracies in my billing statements. I first noticed the issue with late billings on last month, when my account statement for the month of XXXX was not received until now, well past the due date. This delay has had a direct impact on my financial planning and credit score, as I have been marked as late on my payments through no fault of my own. Despite my efforts to address this issue, which include multiple phone calls to your customer service department and written correspondence, the problem has not been resolved. Instead, I have received only automated responses and generic promises that the matter would be investigated and corrected promptly. However, no concrete action has been taken, and my account continues to suffer from late billings and subsequent late fees. I am deeply disappointed by the lack of attention and urgency given to my account 's situation, and the failure of your company to rectify this issue promptly. As a result, I have decided to formalize my complaint and seek a resolution in a more organized and formal manner. I kindly request that you take immediate action to rectify the late billings and related inaccuracies in my account statements. Furthermore, I would appreciate a detailed explanation of the cause of these issues and a clear plan for preventing such problems in the future. If these matters are not addressed promptly and satisfactorily, I may be left with no choice but to consider legal action or reporting this matter to the appropriate regulatory authorities. I hope it does not come to that, and we can find a mutually agreeable solution to resolve this issue. Please acknowledge receipt of this complaint within 10 business days and provide a timeline for when I can expect to see improvements in my account. I am asking for your help to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a notification on my XXXX account that I had a debt owed to Common Wealth Financial for XXXX dollars. This debt is showing an alert date of XX/XX/XXXX. I do not go to Pennsylvania and have no clue why I would have any debt coming from there.
Product: Checking or savings account

This spans over a 2yr period since XX/XX/year>! It's a long story to be honest and I am exhausted behind this whole ordeal! Citibank should be sued for punitive damages. Please look into this for me because I think it's personal to them. XXXX XXXX reported one of the checks to be fraudulent. I was able to cash the checks anywhere. Even their own Bank Branch in XXXX XXXX XXXX they have 2 of them. There own branch managers refused to render me services to cash & close my account in a safe manner. This is why I am at my wits end pursuing this. I'm begging you to please help me get my money. I'm in a Homeless situation right now in XXXXXXXX XXXX and I need to get off the streets before XXXX XXXX.Thank you truly! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting everything needs to be 100 percent accurate. 

In all three there was inaccurate information with the following accounts : Global Lending Services.

Nevertheless, I also asked to validate my account directly with Global Lending Services and requested information to understand more the account being reported in the three credit bureaus.

In conclusion, Global lending services has taken more than 30 days to respond to my letter. Here is my certification tracker # : XXXX
Product: Checking or savings account

I opened an account in the Citibank branch on XXXX XXXX ( XXXX, CA ) upon advise by the banker that this account would earn a cash bonus after 60 days. It has been over 1.5 years and I have gone to the bank several times, contacted customer service, filed investigations, and still no bonus. Every time they give a different reason - old account was closed, didnt open checking alongside, etc etc. No one is able to resolve this issue in Citibank and they keep asking me to go to the branch in person. 
The branch manager opened my account and promised I will receive a cash bonus - still no one is able to address the non payment of bonus. Looks like they scam customers by promising cash bonus and then give a run around when it is time to give the bonus. Heard many other customers have a similar issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit freeze with all 3 reporting agencies. 

I applied for a credit card in mid XXXX and unlocked my experian report. This credit card had great offers, so I wanted to apply. My credit is good! I should be able to do this seamslessly. 

I received a call from XXXX on XX/XX/XXXX at the business where I was applying for a credit card, and he told me that my credit report was not yielding him any results, and he believed my credit report was frozen. 

I updated my credit freeze again, to open on XX/XX/XXXX through XX/XX/XXXX. 

I received a call from XXXX again on XX/XX/XXXX and then he called again on XX/XX/XXXX, and he said that my credit report was not yielding him any results, and that my credit was still frozen. He tried again to run my credit while I was on the phone, but he was again unable to yield any results. He suggested I call Experian. Ugh! I made 9 attempts, and was finally able to get a human on the phone. The rep informed me that that my credit report was not frozen, and that XXXX was probably doing something wrong. She asked me to have him try again. 

I emailed XXXX and asked him to try again today, XX/XX/23 with no luck. I confirmed my SSN with him, and it was correct. I am going in circles with Experian with no luck getting my credit report successfully run with XXXX. I have not had this type of issue before I am tired of going in circles. Calling Experian is a daunting task and simply takes hours to get a human on the phone.
Product: Mortgage

My first complaint though XXXX  and CF was as following Caliber has denied my PMI removal several times. My home valuation is {$520000.00} plus and I only owe {$310000.00} on the loan. I have sent in the XXXX check and form that states the updates/costs I have done to the home. It has been a drawn out response followed by a refund of the check and then denial of the request. The customer service since being bought out by XXXX XXXX has been awful. I dont believe it is the employees fault but that they are tied down by an awful automated system and slimy company tactics. My latest call was today XX/XX/23 and employee XXXX. Was not helpful in the least and it is frustrating in this day and age to not get something sorted out other than snail mail and poor communication prior to denial of the requests. I will never finance again through this company and can not recommend enough you do the same So a couple weeks later and multiple reps on the phone with caliber we finally did get to the point where a representative basically did admit they had done the process of the removal wrong and that an appraisal shouldve been ordered. Im sure they have audio recordings of this conversation. So they took my additional fee for the XXXX removal which increased 30 % since XXXX when I started this process. They said an appraisal would be ordered within 10 days. Guess what happened? They switched my loan servicer to XXXX XXXX and did not order the appraisal, they did not refund me, and they did not contact me about the XXXX. I can not believe this is still happening. I have never made a complaint formally about a company in my lifetime until dealing with XXXX.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX Address : XXXX XXXX XXXX XXXX, AZ XXXX Account XXXX NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, MO XXXX Dear ( XXXX ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

The information currently reported on my credit file states that I voluntarily surrendered the vehicle. However, this is incorrect. The vehicle was involved in an accident, and I did not voluntarily surrender it. I have repeatedly requested that this error be corrected, as it does not accurately reflect the circumstances. The creditor has not provided sufficient evidence to support this claim, and I request that this inaccurate information be removed immediately. 

Additionally, I have noticed conflicting dates regarding when this repossession will be removed from my credit report. One report states the date as XX/XX/XXXX, while another states XX/XX/XXXX. This inconsistency is causing confusion, and I would like clarification on the accurate date based on the Fair Credit Reporting Act ( FCRA ), which dictates how long negative items can remain on credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint are XXXX, XXXX, XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Money transfer, virtual currency, or money service

i went to us bank one day to check on the account and my grandmother had because she said her statements had stopped, she had been called about it and still nothing on so in that event when the banker came back out, she proceeded to ask me can she reach me at this telephone number that didn't belong to either of us after that first discovery it was brought to our attention it was over a XXXX XXXX dollars missing from the accounts several over the phone transfers amongst other things. Plus, there was an online banking setup with this number and an email we also don't know anything about to register a token to a device this is insane, and we were never notified they even turned our statements off this just a small overview
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been stalling and not investigating the disputes about my credit report. I repeatedly receive the same computer-generated report each time I ask them to provide verification and address specific information. They ignore each request with a computer-generated response. They claim in their automated response that they verify information but that's not true because inaccurate and incomplete information is still being reported on my credit report. There are several violations that they fail to address or correct. For example, On one creditor it is reported 23 times that the account was charged off. One account can not be charged off 23 times. This similar situation is reported on other accounts. 11 charge offs for the same creditor, 21 times charge offs are being reported for the same creditor. More and more of these appear on my report. There is missing payment history that doesn't line up with the reported data on the report. Missing information. Balance histories that are not accurately reported. I have several accounts and each creditor is reporting wrong dates. Wrong information in the comments. I tried going directly to the bureau but this has gone on for months and now I'm upset. It has damaged my credit and I'm paying higher fees and interest because of their negligence and unethical practices when it comes to the consumer and reporting information. This isn't right and an attorney should look over this report and what they are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
The following accounts/items do not belong to me. Please delete immediately. 

Bankruptcy - this account doesn't belong to me Action Requested : Please Delete XXXX XXXX - this account doesn't belong to me Action Requested : Please Delete XXXX XXXX XXXX - this account doesn't belong to me Action Requested : Please Delete XXXX XXXX - this account doesn't belong to me Action Requested : Please Delete XXXX - this account doesn't belong to me Action Requested : Please Delete Please send me an updated copy of my credit report showing that these accounts are removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy listed on my report. I have a letter from the courthouse, which they listed they do not share information with anyone, as well as a letter from XXXX XXXX stating they removed my bankruptcy from their report. I submitted the letters to XXXX and Experian in which they both stated they verified the information through XXXX XXXX, which is incorrect, because XXXX stated they removed it from there records. However, XXXX and Experian refuse to remove it. Please assist.
Product: Mortgage

I have a home mortgage with Homebridge Financial. I had significant home damage from XXXX, XX/XX/2016. As a result I filed a claim with my insurance company, who intern issued a claim check in the name of myself, my wife and our mortgage company ( Homebridge Financial. 

They made me hire a contractor ( due to dollar amount of the claim ) and would not turn over the funds to me so I could get repairs underway. I am only getting a fraction of the money at a time ( only after waiting for them to get THEIR inspector out to look at the repairs ). This is taking an extra week and then I have to wait 2 more weeks to get a menial check that does not even cover the cost of the particular repairs done. I am winding up paying all the expenses out of pocket and then going thru the hassle of them writing a check to me, my wife and our contractor ( again a three party check ). In the mean time the contractors doing the actual work are calling daily wanting their money and threatening court action for non-payment. 
These contractors do n't like waiting three weeks to get paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, My letter was stamped received by Experian Credit Bureau. The letter was a request for reinvestigation into accuracy of information being reported on my credit file.. Per the federal mandated time for this investigation. By law is 30 days, for the investigation upon completion of the results, I am to be made aware of whom completed the investigation results, whom was contacted in reference to the investigation, completed results, and how was the investigation information was obtained, The account XXXX Acct # XXXX is reporting inaccurate on my credit file, XXXX XXXXXXXX XXXX, Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX & XXXX Acct XXXX XXXX. As, of the date of this letter I have not received my results of my investigation. From Experian Credit Bureau per federal law the mandated required time of 30 days has lapsed. Due to no response, and the non deliverance of my credit investigation results, and nor a copy of my updated credit file. My federally constituted rights has been violated by Experian Credit Bureau. Per under section 15 USC 1681.