23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 I received a notice of debt from " JEFFERSON CAPITAL ''. with this communication they've engaged in the following actions : Violation of 18 U.S. Code 1028 ( a ) ( 7 ) Violation of 15 U.S. Code 1692c ( a ) Violation of 15 U.S. Code 1692c ( a ) ( 1 ) Violation of 15 U.S. Code 1692d Violation of 15 U.S. Code 1692d ( 1 ) Violation of 15 U.S. Code 1692d ( 2 ) Violation of 15 U.S. Code 1692e ( 2 ) ( A ) Violation of 15 U.S. Code 1692e ( 10 ) Violation of 15 U.S. Code 1692b ( 1 ) Violation of 15 U.S. Code 1692b ( 2 ) Violation of 15 U.S. Code 1692b ( 5 ) On 07/22/2021 I sent " JEFFERSON CAPITAL '' an affidavit of truth ( via certified mail ) regarding the " notice of debt '' and how with this notice they have violated federal law, constituted identity theft, and caused and invasion on my personal and consumer privacy. I sent " JEFFERSON CAPITAL '' a consumer demand for civil penalty pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) and pursuant to 15 U.S. Code 1692k ( a ) ( A ) On 07/26/2021 the postal service confirmed " JEFFERSON CAPITAL '' received my communications. 

On XX/XX/2021 I spoke with an agent of " JEFFERSON CAPITAL '' ( XXXX XXXX ) and she further confirmed that " JEFFERSON CAPITAL '' had received the affidavit and consumer demand. 

" JEFFERSON CAPITAL '' is knowingly and willingly violating federal law and not adhering to their legal obligations. They are running wild and need to be stopped. Many consumers will be harmed if they don't stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history on the accounts listed below are incorrect. These are all accounts with the US Department of Education. Accounts : # XXXX # XXXX # XXXX # XXXX They ALL are showing incorrect payment history. 
Account Number XXXX with a balance of {$6500.00} is showing as current with Charge Off history in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. Aside from this it shows no late payments all on time. This is INACCURATE. 
Account Number XXXX with a balance of {$2100.00} is showing as current in XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. The rest of the payment history shows XXXX off or 120 days past due. This is INACCURATE. 
Account Number XXXX with a balance of {$3800.00} is showing as current in XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. The rest of the payment history shows XXXX off or 120 days past due. This is INACCURATE. 
Account Number XXXX with a balance of {$4900.00} is showing as current in XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. The rest of the payment history shows XXXX off or 120 days past due. This is INACCURATE.
Product: Payday loan, title loan, or personal loan

A Salesperson representing XXXX XXXXXXXX XXXX  solicited my home with enticements of Energy Savings, Tax Credits and Cashout for Home Improvements, etc. 
I bought into the offer. 
In XXXX of XXXX, I agreed to a loan amount of {$45000.00} which I signed via XXXX. 

Fall of XXXX the lender reniged the loan interest rates because of the rise rates ( which I understood was happening, however I agreed to pursue ) The installation happened until XX/XX/XXXX at which point the lender, XXXX, send me the loan docs to sign. 

I discovered that the Truth In Lending was GROSSLY INCORRECT. 
The Loan Amount Changed from $ XXXX to $ XXXX I did NOT sign the XXXX, contacted the lender immediately, yet they would NOT return my calls about the error. I emailed them to no avail. On XX/XX/XXXX I Signed the " Cancelation Notice '' found in the packet of docs and emailed it AND mailed ( per its instructions ) it to CANCEL. 

I followed up to check status and was given an email to do so. Today the customer service emailed me saying that it was TOO LATE. 

There are some other conversations and banters that happened with the XXXX XXXXXXXX XXXX Sales reps whereby they threatened to place a lien on my house. I am a recent widow and this company misrepresented and took advantage of a grieving widow.
Product: Money transfer, virtual currency, or money service

6 days ago on XX/XX/2023, I was attempting to transfer money from my CashApp Account to my XXXX bank account. When I entered the letters XXXX into my phone, the icon of my XXXX Bank showed up. I clicked it and entered {$1200.00} to transfer to that addressXXXX XXXX account. A short period later, I received a message stating 'Failed Attempt/retry ''. I clicked that, thinking that there was an error in my transfer request. Then I called my XXXX bank to see if the funds were received, and, of course, those funds were not only received but were also not even pending. So, I called Cash App immediately to inform them of the issue and see if the transactions could be reversed. They talked me through the procedure but said that it was up to the payee/scammer to refund those payments that were made. I gave Cash App all of the information regarding the 2 transactions, and they said that there was nothing else that they could do at that time. I called them today, nearly 24 hours later to check the status of the scam report, but they again said that there is nothing that they can do. This scammer is still active on the Cash App account because he denied my refund request. I have screen shoots of all activity if/when needed. Thank you, XXXX XXXX ( XXXX ) XXXX # deaneiden on Cash App. The 'business'/person that received and scammed me of the money is CashApp account XXXX XXXX And he uses the XXXX Logo on his profile.
Product: Credit reporting or other personal consumer reports

My original car note was paid in full. XXXX XXXX sent me a lien free title after they received notice. When I went to apply for a new home, I was informed that there is still a balance owed showing on my report. The consumer reporting agencies by law have an obligation to report is continuing to furnish inaccurate information to my report 100 % accurate information to consumer reports. This account has been written off as paid on the books of financial institution and reported to the IRS. Reporting this debt is a direct violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, TransUnion, and XXXX There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transactions by me as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. 

Thank you.
Product: Debt collection

XXXX believes I owe them {$220.00} dollars. However, XXXX can not prove that I in fact owe that money. Now, XXXX has hired XXXX debt collectors who have been calling me at work despite me specifically asking them not to call me at work. 

What happened was the following:1 ) I shipped books to an individual on XXXX in exchange for {$220.00} dollars. I have proof of that shipment via USPS. 

2 ) The individual claims to have received the books and then sent the books back to my home address. 

3 ) I never received the books allegedly shipped back to my address. The " purchaser '' of the books can not prove he actually sent them back to my address. 

4 ) Now, XXXX ( owned by XXXX ) wants me to pay {$220.00}, which I assume XXXX paid the original " recipient '' of the books. 

5 ) Recently, XXXX has engaged XXXX, XXXX-party debt collectors who have been calling me at work. 

6 ) I have told these debt collectors to stop calling me at work and call my cell phone, but they keep calling me at work which is unacceptable. 

7 ) I do not owe XXXX anything yet they will not leave me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified all 3 bureau I was never late They never responded. I contacted XXXX XXXX they said I was never late.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have disputed these accounts several times I will include a copy of my credit report showing that I disputed this before and they have still failed to fix it so now I want enforcement! 

Subject : Final Dispute & Demand for Payment Due to FCRA/FDCPA Violations Dear Experian, I am formally disputing the inaccurate reporting of charge-off accounts on my credit report. These accounts are incorrectly reporting a balance, in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) and Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ).

Under federal law, if a creditor charges off and sells a debt, it must report a {$0.00} balance. Reporting a remaining balance misrepresents the status of the debt and constitutes willful non-compliance with the FCRA, for which I am entitled to damages. 

Disputed Accounts Creditor : XXXX Account Number : XXXX Incorrect Balance Reported : {$2100.00} Creditor : XXXX Account Number : XXXX Incorrect Balance Reported : {$1100.00} Creditor : XXXX Account Number : XXXX Incorrect Balance Reported : {$1400.00} Creditor : XXXX XXXX Account Number : XXXX Incorrect Balance Reported : {$850.00} Creditor : XXXX XXXX XXXX Account Number : XXXX  Incorrect Balance Reported : {$4000.00} Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX Incorrect Balance Reported : {$1000.00} Fee Schedule & Demand for Payment FCRA Violation ( Incorrect Balance Reporting ) : {$1000.00} per account x 6 accounts = {$6000.00} Failure to Correct Upon Dispute : {$1000.00} per account x 6 accounts = {$6000.00} FDCPA Violation ( Misrepresentation of Debt, if a collector is reporting ) : {$1000.00} per account x 3 accounts = {$3000.00} Emotional & Actual Damages ( Credit Denial, Stress, Financial Harm ) = $ XXXX Total Damages Due : $ XXXX
Product: Checking or savings account

Myself and many other capital one customers have not been able to get access to our deposit because it has been withheld from us by the capital one bank and its started since Tuesday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Product: Debt collection

I reached out to collection agency " Real Time Resolutions '' in XXXX after bombardment of phone calls demanding that I pay a debt that I was unsure of. I wrote to them and offered settlement if the phone calls will stop, never verified debt and request the debt be validated by the company within 30 days. I also request that if the two criteria 's were met and they accepted my settlement that the debt be reflected as paid in full and removed completed from my credit report. 

Not only did i not receive any written correspondence from the company, the harassing phone calls haven't stopped to this day. Per the Fair Debt Collection Practices Act its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter.
Product: Mortgage

In XXXX of XXXX I was {$3800.00} behind in condo dues to XXXX XXXX XXXX for my Condo. on XX/XX/XXXX I made a {$4400.00} payment to XXXX XXXX XXXX to pay my back dues and credit for XXXX, XXXX dues. On XX/XX/XXXX I received a letter from Wells Fargo Mortgage Indicating that they made a payment to XXXX XXXX XXXX on my behalf for {$4200.00} without my knowledge or permission indicating that I would have to pay them the money back. I contacted them immediately to let them know that the dues had been paid back in XXXX of XXXX and that they will need to get the funds returned to them from XXXX XXXX XXXX in full since the dues were paid and They maid the payment on there own initiative. I have maid all condo dues payments since XXXX and my account is and has remained current since my XXXX payment and can not afford to pay over {$4000.00} twice especially when I do not owe the second sum of {$4000.00}. When I spoke to the Wells Fargo mortgage Representative She indicated that they would get the funds refunded back to them from XXXX XXXX XXXX which they have not done to this day XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/2023, I applied for financial hardship assistance through the Barclays US website where I have a credit card account. In the past sixty days, I have endured {$17000.00} in unexpected house expenses ( new HVAC system and a major plumbing issue ). On XX/XX/2023, I received an email from Barclays that stated I was eligible for assistance. I went to their website, signed into my account and read the offer specifics. I was very pleased with the offer and checked the box agreeing to the terms of the offer. When moving to the next page to schedule the payment, an error message appeared and said for me to call a specific number to finish setting up the assistance plan. From XX/XX/2023 to XXXX, I talked to five different Barclays customer service people, none of which could figure out the issue. One of the associates I spoke to on XX/XX/2023 placed me on a ten+ minute hold and then told me he had everything all set up and that I would see the changes on my online account on XX/XX/2023. He lied to me. When I checked my account on XX/XX/2023, it was the same as always so I called again. This person informed me that an error had been made, that I should not have received the offer for a long term assistance program because my account was not past due. I am devastated at this and feel that Barclays should honor their offer. I am attaching copies of the initial email I received and screenshots from my account that shows their offer.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX Account # 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 or other personal consumer reports

This communication is in reference to my LexisNexis Accurint Report dated XX/XX/2023, Consumer Number XXXX, Case Number XXXX. This communication shall serve as my formal written notice to LexisNexis that my LexisNexis Accurint Report contains numerous inaccuracies. In an effort to correct the inaccuracies that LexisNexis Accurint is reporting, I have requested the source information for ALL items being reported on my LexisNexis Accurint Report numerous times. None of my requests have been acknowledged or fulfilled by LexisNexis Accurint. Therefore, this communication shall serve as my formal written request for LexisNexis Accurint to provide me with ALL source information/documents for ALL items on my LexisNexis Accurint Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of the list of accounts below. 

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

Clarify Services didnt have permissible purpose or written authorization to pull my consumer report for any reason on XXXX, XXXX 2021. This inquiry is unauthorized. I dont give anyone from Clarity Services or XXXX XXXX XXXX to pull my consumer report. Under the FCRA requirements permissible purpose 1681b allows a consumer reporting agency to furnish a consumer report for the following circumstances and no other : ( 1 ) in response to a court order or Federal Grand subpoena, ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Clarify Services didnt have either or the above mentioned requirements to pull my consumer report. I have attached my Affidavit of Truth with this dispute.
Product: Credit reporting or other personal consumer reports

am writing to dispute multiple " paid in full '' accounts on my credit report as I understand it, these accounts should not negatively impact my credit since it has been fully paid. As part of the agreement these paid items were agreed to be removed as paid in full. 
I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. Reporting a " paid in full '' account as negative or derogatory creates such a misleading impression about my creditworthiness. Due to this Experian has also broken 15 U.S. Code 1681n - Civil liability for willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance : {$320.00}
Product: Credit card

I purchased two plane tickets on XX/XX/year>, using PayPal Credit " Bill Me Later. '' The terms were no interest or penalties if paid by XX/XX/year>. My statement dated XX/XX/year>, said that the amount due to avoid interest and penalties was {$1200.00} with a payment due date of XX/XX/year>. On XX/XX/year>, I transferred {$190.00} from my PayPal savings to PayPal credit, making the total amount due to avoid interest and penalties {$1000.00}. I then changed my auto pay amount from {$300.00} to {$1000.00}, to be taken on my due date of XX/XX/year>. On XX/XX/year>, I received an email with a letter stating, " Due to recent activity since your last billing statement, the amount of your upcoming XXXX payment has changed to {$860.00} and will be posted on XX/XX/year>. '' I went online to check that the autopay listed in " manage autopay '' was still indeed {$1000.00}, it was. 
On XX/XX/year>, PayPal took only {$860.00}, instead of the {$1000.00} that was, and still is, listed on my autopay. This has resulted in all the interest to be added to my balance.

After more than an hour on the phone being transferred three different times to three different representatives, all of which told me they can not waive the interest charges, I was hung up on me because I asked to speak with a supervisor. I called back and was told by XXXX that if I pay the additional {$190.00} due, they will waive the interest " as a courtesy. '' So, the first three representatives lied when they said they could not waive the interest. A financial institution should not be able to arbitrarily change a payment I set up, because I made an additional payment. This is a deliberate tactic so they can charge six months of interest. It is underhanded.
Product: Mortgage

We were effected by hurricane Micheal and lost our home. We received {$25000.00} from the insurance company. XXXX XXXX XXXX is now refusing to send the last {$10000.00}. We have a signed lien waver from the contractor and checks paid to them for well over {$35000.00} and they have released a {$15000.00} check in XX/XX/2019 but still have not received the other {$10000.00}. Now they are refusing to send the money to me directly instead they put the contractors name on the check. This has been going on since XX/XX/2019. What can I do to get this resolved? 
I need assistance ....
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple disputes to remove this inaccurate information off my credit report. Every time I send a dispute to Experian I get no response and they refuse to investigate. This account with XXXX XXXX XXXX Account Number : XXXX is not an accurate account. I have had the same XXXX account for years and have never changed accounts. The previous collection company this account was sold to was removed off my credit report for being inaccurate and then this account was sold to XXXXXXXX XXXX XXXXXXXX. This issue has caused me a great deal of stress and XXXX  because its stopping me from purchasing my first home and get what I need in order to provide for my family.