23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I filed dispute with Amex on XX/XX/XXXX ( XXXX ). On XX/XX/XXXX amex said after investigating my card was physically used at the XXXX XXXX XXXX. I was never at XXXX XXXX XXXX in the XXXX. This the location shown on the copy of the receipt that I requested. The receipt is dated XX/XX/2023 with a time XXXX. This would be XXXX. I was in my bed. There is no price per gallon or total gallons purchased. Amex email to me on XX/XX/XXXX shows the transaction date as XX/XX/2023. I was at a meeting and to bed afterwards. I to the best of my recollection one I received my new card from Amex destroyed the old one as instructed to do. 
Before the gas charge, the last time I used my card was on XX/XX/XXXX at the XXXX restaurant. I only carry a credit card if I am going to use it. Otherwise I leave at home. 
XX/XX/XXXX I contacted Amex again. XX/XX/XXXX they closed dispute " investigation closed due to incomplete setup ''. 
I have Been an Amex card member for more than 20 years. This is not justice.
Product: Credit reporting

CFPB Complaint XXXX/XXXX/2016 Credit reporting and investigation issues. 
This complaint is a direct result of the statements provided by XXXX XXXX with CFPB Case No : XXXX. The statements provided are of such low quality they are difficult, if not impossible to read ; therefore I am attaching their original response. 
I attempted to send the statements to TransUnion via fax but was informed by a TransUnion representative the statements provided by XXXX XXXX are not legible when printed or fax. 
I am attaching the statements and the letter, that were uploaded by XXXX XXXX to the CFPB complaint dated XXXX XXXX, 2016 signed by XXXX XXXX, stating the account is reporting correctly with the CRA 's with a balance of {$2500.00}. 
My current credit report of XXXX/XXXX/16 shows a high balance of {$1900.00} and/or the credit limit of {$1500.00}. This is incorrect. 

I have attached my current credit report, showing XXXX XXXX reporting inaccurate, along with the CFPB XXXX response from XXXX XXXX. 

Thank you for time and assistance in this matter.
Product: Debt collection

I am submitting this formal complaint against Jefferson Capital Systems , LLC, regarding their failure to validate a debt they claim I owe and have reported to the credit bureaus. The continued reporting of this debt is inaccurate, unverifiable, and violates my rights under federal consumer protection laws. 

Details of the Account in Question : Collection Agency : Jefferson Capital Systems , LLC Original Creditor : XXXX XXXX XXXX Account Number : XXXX Balance Reported : {$2500.00} Nature of the Complaint Failure to Validate the Debt : Under 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), Jefferson Capital Systems is required to validate the debt upon my request. This includes providing evidence of their legal authority to collect the debt and proof of the original agreement with XXXX XXXX XXXX. Despite my formal request for validation, Jefferson Capital Systems has failed to provide any documentation. 
No Contractual Agreement with Jefferson Capital Systems : I have no contractual relationship with Jefferson Capital Systems. Without proof of an assignment agreement or documentation authorizing them to collect, their reporting of this debt is unauthorized. 
Violation of FCRA Accuracy Standards : Jefferson Capital Systems failure to validate the debt renders their reporting unverifiable, violating 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on consumer reports be accurate and verifiable. 
Harm to Creditworthiness : This inaccurate and unverified debt has negatively impacted my credit report, causing undue harm to my financial well-being. 
Requested Resolution I respectfully request the CFPB to investigate Jefferson Capital Systems and take the following actions : Immediate Removal : Require Jefferson Capital Systems to delete this account ( Account Number : XXXX ) from all credit reporting agencies ( XXXX, XXXX, XXXX ). 

Provide Documentation : If Jefferson Capital Systems maintains that the debt is valid, they must provide : Proof of their authority to collect the debt. 
A copy of the original signed agreement with XXXX XXXX XXXX. 
Evidence of accurate reporting of the balance, dates, and account status. 
Cease Collection Activities : If Jefferson Capital Systems can not validate the debt, they must cease all collection efforts immediately. 

Summary of Violations 15 USC 1692g ( FDCPA ) : Failure to validate the debt upon request.

15 USC 1681e ( b ) ( FCRA ) : Inaccurate and unverifiable reporting. 
Unfair Practices : Continued reporting and collection attempts without proper validation are unfair and deceptive under federal law. 
Thank you for your attention to this matter. I look forward to a resolution that ensures my rights under federal law are upheld. Please confirm receipt of this complaint and provide updates as the investigation progresses. 

Sincerely, 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 Balance {$0.00} XXXX  XXXX XXXX Balance {$500.00} XXXX  XXXX Balance {$590.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$740.00} XXXX XXXXXXXX Balance {$55.00} XXXX  XXXX Balance {$620.00} XXXX  XXXX Balance {$740.00} XXXX XXXX XXXX  XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX Balance {$820.00} XXXX XXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXX XXXX XXXX Balance {$740.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$390.00} XXXX XXXX CO XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$89.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$180.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received emails from Transunion and XXXX  alerting me that eleven hard inquiries and a XXXX reservation were now on my credit reports using my first/last name and social security : TRANSUNION XXXX XXXX - XXXX ) XXXX XXXX Bank XXXX - XX/XX/XXXX XXXX ) XXXX XXXX - XX/XX/XXXX XXXX ) XXXX  - XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX/ XXXX - XX/XX/XXXX XXXX ) XXXX - XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX USA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX ) XXXX XXXX, XXXX, DC XXXX {$310.00} I DID NOT APPLY OR SUBMIT ANY APPLICATIONS FOR ANY OF THE ABOVE HARD INQUIRIES. I have requested a Credit Freeze with Transunion and XXXX bureaus. 
It has been a stressful and tedious process in contacting all of the hard inquiries companies in the attempt to clear my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX, 2020 XXXX  XXXX reported my Balance of approximately XXXX to the Credit Bureaus as the Closing Balance and Usage Rate for XXXX, XXXX, 2020 which was XXXX. 

On the XXXX of XXXX, 2020 Experian disclosed my Credit Score as XXXX from XXXX. 

On the XXXX of XXXX, 2020 Experian disclosed my Credit Score as XXXX from XXXX. 

On the XXXX of XXXX, 2020 I disputed my Credit Score. Experian referred me to the Creditor XXXX XXXX. 

On the XXXX of XXXX, 2020 XXXX  XXXX refused to Report the actual Closing Balance of XXXX, XXXX, 2020 which was XXXX. 

On the XXXX of XXXX, 2020 Experian disclosed my Credit Score of XXXX from XXXX. 

On the XXXX of XXXX, 2020 ; I filed a Complaint with the Consumer Financial Protection Bureau against XXXX XXXX for reporting my Balance on the XXXX of XXXX, 2020 as my Closing Balance and Usage Rate for the XXXX of XXXX, 2020. Complaint Number XXXX - XXXX. 

A particular Credit Card@1XXXX line of Credit ; closes on the XXXX of each month. On XXXX, XXXX, 2020 my Balance was XXXX and on XXXX, XXXX, 2020 the Creditor reported my Usage Rate as the Balance on XXXX, XXXX, 2020 of approximately XXXX and even though I received a letter during approximately XXXX, 2020 that the Creditor might report any given Balance of a Proceeding Cycle for the Closing and Usage Rate of the previous Cycle ; I thought that the Creditor was mistaken ; since alterations of the Closing Balance is possibly illegal. 

On the XXXX of XX/XX/2020 XXXX XXXX did Respond to my Dispute through CFPB, but with the Closing Balance of XXXX, XXXX, 2020 ; when the Dispute is of the Closing Balance of XXXX, XXXX, 2020. 

THE COMPANY 'S RESPONSE INDICATES THE CLOSING BALANCE DURING THE MONTH OF XXXX, 2020. THE COMPLAINT IS IN REFERENCE TO THE CLOSING BALANCE AND USAGE RATE DURING THE MONTH OF XXXX, 2020. 

THE COMPANY 'S RESPONSE OF MY CLOSING BALANCE DURING XXXX, 2020 OF XXXX. IS CORRECT, HOWEVER THE COMPLAINT IS OF THE CLOSING BALANCE AND USAGE RATE DURING XXXX, 2020 WHICH IS NOT CORRECT. THE COMPANY REPORTED 42 % USAGE RATE OR {$420.00} DURING CLOSING ON XXXX, 2020, WHEN THE ACTUAL BALANCE DURING CLOSING ON THE XXXX OF XXXX, 2020 WAS 29 % OR XXXX. 

On the XXXX of XXXX, 2020 Consumer Financial Protection Bureau closed my Dispute. 

On the XXXX of XXXX, 2020 Experian has modified Records.
Product: Student loan

Hi, I made a payment to close out two loans, but only one of the loans appears to be processed. On XX/XX/year>, I paid a total of {$50000.00} which is confirmed in my bank statement and Mohela receipt, but the site only says that I paid {$29000.00} on that day to one loan ( 1-13 Direct Loan ), and it seems that it was the only loan processed. I am wondering where the rest of the money is, and why it has not paid off another loan? I believe the other loan I was trying to pay off was " 1-12 Direct Loan-unsubsidized '' because of its high interest rate of >7 %. Thank you for any help you can offer. I can provide a bank record if necessary to prove that I paid {$50000.00} to Mohela.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting AcXXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Checking or savings account

At the end of last year I opened a Bank account with my Ex at US Bank. When asked if we wanted Overdraft protection we declined and and specifically told the banker that if there was not money in the account we did not want our cards to allow any purchases. When we separated I stopped using the account and my ex continued to use the card and was able to use the card even though there was no money in the account and we accrued several over draft fees. The mail was going to his house and he did not check it or know that we had an outstanding balance. The account was sent to collections and dropped my credit from a XXXX to a very low scored. When I have gone into the bank or called, everyone acknowledges that we signed documents declining overdraft protection but has no way to help us. The late fees have accrued to such a high amount that I am drowning and have not been able to pull it out of collections which will make it very hard to find housing when my lease is up. I am completely lost as to what steps to take and the institution has no solution but to make me pay which I do not feel is fair or legal. The closed out the checking account and put the balance on a reserve line of credit that we never signed for.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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

I continue to ask both the credit agency and the furnisher, to please provide me with verification of the debt in question, because I have an adult son with the same exact name. XXXX continues to put addresses that I have not lived at, but my son has on my credit profile. When I have reached out to both about not only the method or verification, but also some kind of proof. 
They both just send me letters saying it has been verified. I sent these same issues to XXXX, and they have all been removed. XXXX and XXXX continue to play these games saying its been verified, or they update it with even more wrong information. 
I have attached screen shots from both credit bureaus of the accounts in question, and Im asking for physical proof to not only be sent to me, but also a copy sent to the CFPB as well. I want all these negative accounts that have no proof of belonging to me removed from ALL my credit reports. 

LVNV/XXXX XXXX XXXX not only have different dates closed, and is also missing payment history, and the information on the account is incomplete. Offer some physical proof this account does indeed belong to me or remove it! 

XXXX XXXX XXXX XXXX # XXXX is also missing information on payment history. Please provide some physical proof that is account belongs to me or remove it! 

XXXX XXXX XXXX XXXX XXXX this account is showing different close dates and missing payment history. This account is incomplete. Please provide physical proof this account does belong to me or remove it! 

XXXX XXXX XXXX Is missing payment history, shows inaccurate information and shows late XXXX days back-to-back months. Please provide physical proof this account belongs to me or remove it! 

XXXX XXXX XXXX XXXX XXXX This account shows inaccurate XXXX shows the account closed XX/XX/20 and XXXX shows it closed in XXXX with back-to-back XXXX months. Not sure how this was verified as accurate with all this mistakes. Please show proof this account belongs to me or remove it! 

XXXX XXXX XXXX This account is on my report multiple times with different information. I have an active XXXX account that I sin good standing and they have this mixed negative account on my reports also. I have missing information, inaccurate information. Please provide proof that the NEGATIVE accounts on my account belong to me with some kind of physical proof. If not remove the NEGATIVE accounts from my profiles! 

XXXX XXXX XXXX # XXXX This account is missing payment information and has yet to verify that it belongs to me. Please provide some type of proof this account belongs to me. How was it opened and closed in the same month with missing payment history.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting AUTONOW ACCEPTANCE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Phone # : XXXX account XXXX, Has violated my rights. 15USC 1681 Section602 states I have the right to privacy.15USC 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666b : a creditor may not treat a payment on a loan account under and a open end consumer credit plan as a late for any purpose. please fix on my XXXX credit report asap thankyou
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report. The account in question is listed as follows : * Creditor Name : XXXX XXXX * Inaccuracy Details : incorrect balance, outdated information, incorrect date of last payment.

I have previously contacted your bureau regarding this issue, but the inaccuracy remains unresolved. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information reported on my credit file is accurate and complete. You have broken my rights under the consumer law 15 USC 1681e ( b ) Duty to Provide Accurate Information. 

Please confirm receipt of this letter and provide written verification of the actions taken to address this dispute. I trust that you will handle this matter with the urgency it requires. 
Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 a fraudulent account was initiated with AFFIRM INC Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. Merchants include " XXXX XXXX XXXX' {$1400.00} and XXXX XXXX XXXX  {$500.00}. Balance : {$1400.00} Actions taken include a phone call to AFFIRM in order to flag and/or close account for further investigation. Additional actions include an online dispute with XXXX and XXXX on XX/XX/XXXX. An identity theft report with the Federal Trade Commision ( Report Number : XXXX ) was initiated onXX/XX/XXXX
Product: Debt collection

I will NEVER pay it cause its not mines. MRSBPO keeps placing debt back on credit even though I have successfully proved its not mines and removed from bureaus. They keep adding it back without proving I owe it. They need to show proof they can collect in Texas too. They have been violating my FDCPA rights! I was affected by natural disaster COVID 19 too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is still making harassing phone calling to my messaging phone number leaving messages and using this tactic to make sure there phone number do not show up. 
Navient is still emailing me about my loan payment, and when I look at my credit report it shows a negative amount and it is causing problems with my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 -- a XXXX XXXX buyer was offering to pay upfront {$1200.00} for a road bike I am trying to sell. The potential buyer stated she was sending {$1200.00}, but received an email ( which I received the same email from " XXXX '' ) stating that I don't have a " Business '' account with XXXX, which allows me to send/receive higher amounts of funds, since it states my account has a " limit. '' As a result, an extra {$400.00} was needed to increase my limit. The buyer stated she felt comfortable sending the extra {$400.00}, as long as I was willing to immediately refund that amount back. The buyer made it seem like she was anxious about trusting me, and repeatedly attempted building report and a sense of empathy on my side, by stating the funds she sent couldn't be reversed and was being held by XXXX, until I refunded the amount. At this points, there were no funds at all in my checking account via XXXX. The potential buyer repeatedly harrassed me with multiple calls out of a " sense of urgency '' to help with the " refund, '' in order to get her {$400.00} back and also to help push through the funds that were supposedly being held by XXXX. Fast forward, when I attempted to send the {$400.00} with XXXX via Navy Federal Credit Union ( personal bank ), it was placed on a hold. I had to call my bank to release the hold, which I did. Then, immediately I asked a question regarding XXXX limits, but at that point, it was too late and there was nothing NFCU could do to help me retrieve/replace the lost funds/cash. I tried to reach out to the buyer, and she acted as if I needed to email proof of the conversation to XXXX. She tried to tell me multiple times to " trust me. '' At which point, I was just being led down a hopeless path. Afterwards, no further messages were sent via XXXX  XXXX  bugging me to help get her funds ( i.e {$1200.00} back ). I haven't experienced this level of fraud with multiple communications. The previous attempt at fraud ( via XXXX  ) was stopped in it's tracks, thanks to NFCU ( in-person ), involved a cashier 's check for another product I was selling on XXXX. Anyways, it's {$400.00} that I can't get back, and it saddens me that people would attempt to swindle others especially during these type of financial times. To help others, the person 's names is XXXX XXXX, email XXXX, nickname " lumpkins '' ; " XXXX '' is the XXXX name attached to the account. XXXX  user name is XXXX XXXX.
Product: Mortgage

As of XX/XX/XXXX I XXXX XXXX have a mortgage with Bank of America XXXX XXXX CO XXXX that I reaffirmed loan in XX/XX/XXXX after bankruptcy in XX/XX/XXXX, with good standing, since. Bank of America has failed to report to all 3 credit reporting agencies with updates. They 've just removed whole mortgage account from all credit bureaus, is this my punishment! So, that I can not buy another home.
Product: Credit reporting or other personal consumer reports

The following fraudulent inquiries appears in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX I sent a response to an email from Genesis Credit Management XXXX  Columbia debt recovery XXXX refusing to pay the alleged debt. Since then I have received multiple emails from them after that date demanding payment of the debt. They have also advised me that the amount will accrue XXXX percent  interest per annum. I made a phone call to this company on XXXX to inquire about the interest fees being added. I was advised by a representative that interest was applied by the company and will be added daily. He also confirmed the email address was active and can receive emails. However a phone call was a requirement if I wanted information.
Product: Credit card

Im certain I make my payments on time, but I dont know why this company is reporting late payments for some months. As per USC 1666b, any billing error should be corrected, showing my payments were made as agreed. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!
Product: Credit reporting or other personal consumer reports

recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies heed to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX I'm now requesting you investigate and provide verifable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Mortgage

This is another complaint to Shellpoint 's response to complaint XXXX. Shellpoint has stated no new backup has been sent- they already have all the backup that they are not researching for proof of payment. XXXX XXXX XXXX  has sent Shellpoint the {$52000.00} that was credited in error. Shellpoint has known for years the listed missing XXXX to XX/XX/XXXX were applied in error to the XXXX - XXXX payments that were credited in error. Shellpoint can not apply the XXXX - XXXX payments to the XXXX XXXX. 
Shellpoint won't accept the escrow payments sent, but the foreclosure papers state insurance and taxes must be paid if the property is in foreclosure. They also did not say they were processing the submitted loan modification application. 
Thank you