23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX XXXX Bank USA N it is reporting as delinquent when I have never missed a payment and all my payments have been on time. Under all XXXX bureaus account # XXXX it is reporting that in 2021 XXXX, XXXX, XXXX, and XXXX respectively I have had 30 day, 60 day, 90 day, and 120 day late payments when this is not true and is 100 % inaccurate. I have been current and up to date on my credit card as it is only a {$500.00} limit and due to this discrepancy it is severely affecting my credit where I am trying to go for an apartment and I can not get approved for anything due to these disastrous days late that are severely affecting my credit. I need this fixed ASAP!
Product: Debt collection

On XX/XX/XXXX I received a letter from the debt collector company Kimball , Tirey & St John, where it shows the balance due to XXXXXXXX XXXX XXXX for the address at XXXX XXXX XXXX # XXXX, XXXX, Ca XXXX. As of XX/XX/XXXX where they say I apparently owe {$7400.00}. 
Which is totally false, I have never lived at the address mentioned. I sent to the debt collector company a validation letter where I let them know I do not recognize the debt and providing information which the exact amount, including fees or interest, name of original creditor, documentation proving that XXXX am legally obligated to pay the debt, such as signed agreement or contract, and proof that their agency has the legal right to collect the debt. A week after I received from Kimball , Tirey & St. John LLP documents such as Lease Renewal Agreement and resident ledger, the initial terms for lease XX/XX/XXXX and terminating on XX/XX/XXXX, XXXX where it shows my name with XXXX other women that I do not know, phone number and Email that I have never used, at the end of the XXXX pages document shows a totally fake signature of XXXX XXXX in a cursive font, dated XX/XX/XXXX XXXX XXXX  XXXX. On Saturday, XX/XX/XXXX I sent a dispute of debt letter, specifying the reasons of incorrect address, fraudulent signature, account not mine and phone and email address linked to the debt are not mine. I already filed a an identity theft report with the Federal Trade Comission at XXXX
Product: Debt collection

Jefferson Capital System LLC has listed on my credit report, the following information : XXXX XXXX  with the Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$910.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$910.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$910.00} Highest balance {$0.00} In accordance with the Fair Credit Reporting Act, the account listed below has violated my federally protected consumer rights to privacy and confidentiality under the FCRA. 

Jefferson Capital System LLCXXXX XXXX {$910.00} This account is being reported inaccurately and has violated my rights according to the following laws : 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. States : A consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer reporting agency may make any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1692e States : ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ollo/ALLY has not reported any information re my credit card since XX/XX/XXXX I called Ollo and was told they report every 60 days. I advised it had been longer than 60 days I filed a dispute w credit bureaus. The outcome of those investigations is Ollo/ALLY reported account closed with XXXX balance. Ollo insists they did not report this, however Ollo still as of XXXX XXXX has not reported to any reporting agencies. I spoke with a supervisor today after holding XXXX minutes told me the only way to help is fax the credit bureau info. I did that once in early XX/XX/XXXX to XXXX XXXX XXXX and Ollo claims they did not receive it and told me to fax again which I refused. Supervisor was rude and not helpful. I asked why I need to send info, I'm the customer and being asked to do all of the legwork for months.
Product: Mortgage

We have experienced issues with our mortgage servicing company, Nationstar. Our mortgage was transferred from another mortgage servicing company to Nationstar in XX/XX/XXXX Prior to the transfer, the other mortgage servicing company had overcharged us in XX/XX/XXXXbecause they had not accounted for a makeup payment we had made to our escrow. I had talked with the other mortgage servicing company in early XXXX about applying the overpayment amount to our principle. They did not do this before our mortgage was transferred to Nationstar. In XXXX, I notified Nationstar of this error and they made the change and reapplied all the payments that occurred in the interim. The very next automatic monthly payment that was made to Nationstar was erroneously applied to principle only. I did n't catch this until I noticed my Tax form showed a lower than expected interest paid in XXXX. InXX/XX/XXXX, I contacted Nationstar about this erroneous principle only payment and again Nationstar had to reapply all of my monthly payments dating back to XX/XX/XXXX Again (! ) the very next automatic monthly payment that was made to Nationstar was erroneously applied to principle only. It is now XXXX, and seeing that my Escrow balance is now short and I am being asked to make a makeup payment, I have contacted Nationstar and pointed out this issue again. I have talked with a call center supervisor and strongly suggested they elevate this issue as it appears to be a bug in their system that is causing mortgage payments to be misapplied after a correction is made. I hope they do so. My concern about this issue is that if I were not diligent in keeping track of how Nationstar is servicing my mortgage loan, the loan holder could have come after me for skipping an interest payment on my mortgage because of Nationstar 's error. I worry that others may have fallen victim to this error. I also worry that without accountability, Nationstar will not fix this issue and even more mortgage payers will have to deal with the problems this error creates.
It boggles me that Nationstar 's sole responsibility is to make sure my monthly payments are applied to my mortgage properly and they ca n't get it right.
Product: Debt collection

XX/XX/XXXX at XXXX XXXX, I've made a call to Jefferson Capital. In regards to an account that was made between XXXX XXXX from XXXX. With a past due collections, I've spoken to several staff members of Jefferson Capital. And have asked for the following. 

1. ) An account number, XXXX of Jefferson Capital stated that he could not provide one for me. 
2. ) An original contract from Jefferson Capital and myself. With the original signatures. 
3. ) How much the dollar amount that the account was sold to Jefferson capital by XXXX XXXX. 

I've attempted to reach out in good faith, wanting to make good to settle my account. Because of the marks on my credit report, it has damaged my name. And I'm unable to obtain proper housing for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card or prepaid card

We paid {$2000.00} on our Capital One credit card on XX/XX/XXXX. The money cleared our bank and shows as credited to our account by Capital One. They are refusing to release those funds to our available credit until XX/XX/XXXX.
Product: Debt collection

On XX/XX/XXXX I received a phone call from someone who claimed they worked for XXXX XXXX XXXX A firm that had been tasked with collecting a debt I owed to my XXXX credit card that had been issued through First bank Nation of Omaha in XXXX. The firm representative called my partner since didnt have my contact and thats how she got my number. She told me that her law firm was preparing documentation to have me arrested for the debt of {$1700.00} that I owed to XXXX. She threatened me with arrest and told me I had to make the payment in full to avoid it. I told her I didnt have that much money in my account and for fear of being arrested I asked her for my other options. She suggested that if paid 40 % of what I owed, my debt would be settled. I ended up paying {$710.00} using me debt card to her over the phone to XXXX XXXXXXXX XXXX as shown on my bank statement and I was told a receipt would be mailed to me and that the debt had been settled and would reflect XXXX balance. I didnt think much of it until a derogatory debt from First Bank National of Omaha showed up on my credit report earlier this month showing full balance of what I owed for my scheels credit card. I did more digging into the payment I had made but was not able to get a lot of help from XXXX XXXX XXXX  and my bank cant dispute the payment as its been almost a year. The bank suggested I fill out a police report but I did more research it brought me to this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( XXXX ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( XXXX ) in question are as follows : XXXX XXXX XXXX XXXXXXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


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

This is my six 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 XXXX XXXX Balance : {$780.00} XXXX, XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

Citibank NA, has used a pretext of discimination to freeze funds. I have been without funds since XXXX XXXX, and have not been able to fill life saving XXXX XXXX XXXXXXXX XXXX  I have lived XXXX  since XX/XX/year> of when i relocated abroad. Citibank refuses to release my account so i can withdaw funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$440.00}, {$5800.00}, {$8200.00}, {$11000.00}, {$15000.00}, {$630.00}, {$3100.00}, {$9600.00}, {$32000.00}, {$3900.00}, {$720.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 


-- AUTO ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$720.00} -This is not my account.
Product: Credit card or prepaid card

This is about a cancelled flight ticket purchase dispute. 

I bought three international XXXX XXXX tickets using the CHASE UNITED credit card on XX/XX/XXXX. Due to the travel schedule change, I wanted to change time for the booked flight. The XXXX website clearly states there will be no penalty on change of flight due to Covid-19. I canceled this booked flight and then booked another flight on XX/XX/XXXX. But XXXX did not refund me the cancelled flight, instead, gave me points, which will be expire in 2 years. I don't want any points because under pandemics, there will be too many uncertainties for traveling. So I applied on XXXX for refund for my cancelled flight. The refund request was approved and should have been completed on XX/XX/XXXX according to my refund record. However, up until now, I did not get the refund back to my card. 

I disputed this transaction with Chase and the reply was they thought this transaction was valid even after I gave Chase all the documents about my flight booking record, refund request and the approval of my refund. Chase completely is at the side of XXXX and have no protection for its card user. Its investigation disregards the fact that XXXX approved my refund request and don't want to be a middle person to protect its consumer. 
Chase only allowed for a 2 month delay payment because I told them I called XXXX ( after waiting in the line for 30 mins ) regarding this transaction and its approval about my refund request. The rep only answered that according to the record, it really show the refund is approved. Probably wait one more billing cycle for the money and he did not have any authority to look into more details. 

Here are my responses to Chase dispute notice : 1. This transaction is not valid. I wanted to change time of the flight. Not buying another flight. The XXXX should not charge me for another flight. 

2. The refund request was approved by XXXX on XX/XX/XXXX. It took so long until now is not my fault. Why did Chase believe in merchant 's allegation for too long and unwilling to credit back, and not supporting its consumers. 

3. Since Chase believe I have a valid complaint with XXXX on XX/XX/XXXX notice, then the result should be the transaction is not valid. 


Another related complaint is Chase added interests on this transaction during disputed period, which is a violation of CFPB Federal consumer protection law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to r=the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$3100.00} XXXX  XXXX XXXX Balance : {$440.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX / XXXX XXXXBalance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX Subject : Furnish XXXX Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX, XXXX, XXXX. 

I am requesting that your company please forward me a copy of the XXXX that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. 

Thanks in advance XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are several inaccuracieson this account that's reporting different account numbers to XXXX XXXX and XXXX XXXXXXXX. There is no last payment reported to XXXX and last date of payment reporting to XXXX is XX/XX/2023, which is inaccurate information. The high balance is reporting {$1000.00} on XXXX and {$1500.00} on XXXX. The last date of activity is also incorrect with XXXX reporting XX/XX/2023 and XXXX reporting XX/XX/2023. I recently found out the account was sold to another agency which is reporting inaccurate information to XXXX. This is causing my credit score to be drop and is affecting my ability to obtain new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit reporting agency keeps reinserting this false collection account from XXXX amount {$1100.00} on my credit report this same account has already been disputed and deleted two other times and it keeps coming back, I think I may need to seek legal advice. I have already contacted them about it is still on my credit report.
Product: Debt collection

I contacted the hospital and they told me I only had a debt of XXXX dollars. The collector told me there was that debt and another. And the other debt is why I have an XXXX XXXX dollar debt in collection. I had the hospital where the Deb originated from call the collector and they sorted it out that my insurance did indeed pay for the visit back In XXXX or XXXX. I would really appreciate if the debt would please stop effecting my credit score. This all just happened a few days ago so I'm not sure if it takes time or what but the debt is still showing up on XXXX XXXX. So I would just like to bring it to your attention. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous Messages in writing via USPS certified mail to each credit reporting agency indicating inaccuracies on my credit report. XXXX XXXX finance has been contacted by the dealer that leased me a vehicle to have these items removed from my report and nothing has been done to date. XXXX XXXX XXXX have been on deferment and have been current to date. Latenesses should have been removed as I have requested many times in writing. Unauthorized hard inquiries where my information was not verified should not be on my report. Inquiries for credit cards where my information was not verified and no new credit was obtained should be removed from my credit report.