davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MA)

Dear Consumer Financial Protection Bureau, I am writing to formally dispute an alleged collection account that is being reported on my credit report by Jefferson Capital Systems. This account references an amount of {$840.00}, purportedly from the original creditor, XXXX XXXX. Upon contacting XXXX XXXX directly, they were unable to locate any records associated with my file. I am unaware of any relationship with either XXXX XXXX or Jefferson Capital Systems, and I believe this account is fraudulent. 

This reporting is a violation of my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request that you investigate this account and take immediate action. 

To resolve this matter, I am requesting that Jefferson Capital Systems provide the following : Proof of their authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt. 
The legal basis for their collection efforts. 
Proof of their authorization to operate in my state. 
Evidence supporting the alleged debt, including any signed contracts or agreements. 
A full and complete account history, including all related charges and transactions. 
Their failure to provide this information violates FDCPA XXXX, XXXX, XXXX ( b ), and XXXX. I demand that this fraudulent account be immediately removed from my credit report, and this matter be resolved without further delay. 

According to the provisions under the FCRA and FDCPA, I demand that this item be deleted from all three credit bureaus as soon as possible. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must DELETE any erroneous reports of this past debt as mine from the credit bureaus. 

I appreciate your prompt attention to this matter and look forward to your assistance in correcting this issue.
Consumer complaint received 2024-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IN)

Someone sent me money. Two transactions, one for {$31.00} and one for {$90.00}. That person then disputed with PayPal that they were the sender. PayPal then sent their money back to them, taking my account to a negative balance. PayPal then intercepted any transactions that came in, keeping the money to cover the money they sent back to the original sender. PayPal has been given proof of communications between me and the sender both prior to and after the transactions showing the original sender did in fact mean to send the money. Even after this they continued to intercept any money that came into my account. They have now locked my account so that I can m access any details relative to the transactions and they dont show these transactions where they intercepted money inbound to my PayPal account. They tell me the responsibility for collecting the money from the original sender is on me. I disagree, when the original sender initiated the transactions she sent the money to PayPal to send to me. At that point PayPal became responsible for making sure I received the money. The text messages and call logs I have show the sender acknowledging that she sent the money. She even went so far as to say someone hacked into her account and reported the charges as fraudulent on her behalf even though she didnt tell them to. I dont care about any of that. The people that intercepted and kept my funds are PayPal. They are also the people that sent a refund to a verified sender. This is wholly PayPals responsibility. If they arent held to account for the peoples money they are transferring they shouldnt be allowed to conduct the business of transferring peoples money. After all, the original sender didnt gave the power to pull those funds back, she sent them and at that time committed to that money becoming mine. PayPal showed no due diligence in researching this matter. PayPal did not contact me in any way regarding this matter and does not have the right to intercept my inbound funds to cover a refund they should never have initiated in the first place. I have written their legal department twice and their Chief Counsel once. They refuse to respond or even let me talk to that department. The text messages I have show the original sender asking me to do these transfers for and even show her willing to cover my loss, though she never did.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (TX)

I am writing to formally dispute the alleged debt associated with I C System as the alleged original creditor, listed on my credit report according to XXXX XXXX. 

I deny liability for this debt, as the information presented is incomplete, inaccurate, and missing essential data. I have not entered into any contractual agreement with I C System, and they have failed to provide me with the original contract as per my formal request. This lack of response and documentation constitutes a direct violation of my rights according to 15 U.S.C. 1681e ( b ), which ensures the accuracy of information on credit reports, and 15 U.S.C. 1692e, which prohibits deceptive debt collection practices. Furthermore, under UCC 9-210, they are obligated to provide the original contract, which has not been fulfilled.
Consumer complaint received 2024-10-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MA)

I have seen a XXXXXXXX XXXX XXXX car which is XXXXXXXX XXXX  in a XXXX XXXX. So the person lives in XXXX. I live in XXXX XXXX which is XXXX hr a part. So person who selling the car asked for XXXX USD for delivery. So I paid. Later they replied they didn't received. So he said to try XXXX and XXXX. I did. That person said my transaction was received. Again after sometime he said I need pay security deposit of XXXX and he gave other account. I made it. I made all transactions through XXXX transaction of XXXX, XXXX XXXX XXXX. Total - XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (MI)

As a consumer, I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. These inquiries are not a result of any actions or credit applications initiated by me, and I believe they were added to my report in error or without my consent. 

I have already contacted the credit reporting agencies and the companies responsible for these inquiries but have not received satisfactory responses or resolution. As a result, I am seeking your assistance in investigating this matter further and removing the unauthorized inquiries from my credit report. 

XXXX XXXX THD/CBNA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXWayfair XXXX XXXX XXXX there is a total of 11 inquires
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

I am writing to formally notify you that despite previous correspondence and documented proof of communication, you have not complied with my request. Pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), I assert my right to dispute inaccurate information currently reflected on my credit report. It is my expectation that a thorough investigation into my claims be conducted promptly. 

I have already escalated this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX XXXX XXXX  ) in order to seek their intervention and assistance in resolving this issue. Copies of this communication will also be forwarded to the Federal Trade Commission ( FTC ) for their records. 

Reasons for Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (IL)

XXXXXXXX XXXX XXXX I C Systems Want both accounts removed from credit bureau ask for validation of both debts nothing was received and neither account was removed. 

XXXX XXXX on credit bureau with 2 different accounts Ive disputed both accounts requested validation of the debt never received XXXX still havent removed debt from credit bureau. 
XXXX
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NY)

I have received two letters on XXXX XXXX regarding the closure of my wells fargo checking. I have been a wells fargo customer for many years and I dont think I have done anything that is at issue. I have many services associated with this bank account for payment. Closing these accounts will negatively affect me very much. I tried to call wells fargo customer service and the only reason i got is that determined by the risk factors they decided to close my account. I would rather have a process for resolution or appeal of the decision. It is unreasonable to cause such inconvenience to a long term customer
Consumer complaint received 2024-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION (GA)

They hold funds for four weeks after deposit. I deposited XX/XX/XXXXXXXX  and my funds wont be available until XX/XX/XXXXXXXX That is crazy and these were not the hold times stated when I first opened the account. 
Acct no. XXXX In addition I opened a youth account for a minor and after over 2 weeks they still havent sent the debit card keeping the funds hostage! 
Acct no. XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

Improper use of credit file, I have no knowledge or any contract agreement with LVNV Funding LLC and has requested verification of this account. 

Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.
Consumer complaint received 2024-10-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

The loan servicer is Heartland ECSI. 
XX/XX/XXXX - I called them to see if I could lower the monthly payment on my loan. They told me that my school sets the payment rules, and that it can not be changed. 
XX/XX/XXXX - I called them about the best route forward, if I can move my loan to a different status so that I can repay it once I have income. I had been looking into the forms that they have specifically for my school, and I did not believe I qualified for deferment. They recommended I apply for forbearance, dating it to the first time that I missed a payment. I did so. 
XXXX - I received the first email rejection of the forbearance form, stating the " First page of the form came through blank and only part of the second page ( signature page ) came through. Please re-upload ''. I called them for clarification on what to change so that the form went through properly ; They did not tell me anything about the form that needed to change, just that I should try resubmitting it. The website 's resubmit tool was broken, I got an error regardless of file or browser. They told me to try thirty minutes later, that their technical team would do something. It was still broken thirty minutes later. I called them again- now receiving the instruction to create a new application instead of updating the old one. I did so. 
XXXX - I received the second email rejection of the forbearance form, stating it " came thru scrambled... please resubmit ''. I called them, relaying all old details, asking for their mailing address, and asking about what should change so that the form went through properly. I was advised not to send it through the mail, and that I needed to submit an image file instead of a PDF. I did so. This suggestion, however, confused me, because the instructions on the form strictly state that it needed to be a PDF. I was also confused why, if this were a requirement, it took talking to XXXX different representatives to be informed of this. 
XXXX - I received the third email rejection of the forbearance form. I submitted this complaint. I made a note to physically mail them the form, as well as call them again.
Consumer complaint received 2024-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC (FL)

I tried to set up an account online with Zelle so I can easily pay my rent. I received an error message that said there's an issue with my phone number. I called zelle customer service and was told that my number was already associated with a bank account and that I had to call the bank. They refused to tell me which bank. After calling around I figured out it was XXXX  XXXX XXXX. They told me that when I closed my account with them they released my phone number so I could use Zelle again elsewhere. 

I called Zelle again and explained what XXXX  XXXX XXXX told me. They again refused to help saying I had to call XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

This company is reporting fraudulent inaccurate information on my credit report. I am requesting that they provide original documentation that shows that I actually own this account. I need all documentation that shows my signature on this so called account. This will give me more information to review to see if this account actually belongs to me.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

DEBT VALIDATION LETTER Date XXXX XXXX Dear, LVNV Funding LLC This letter is being sent to you in response to : XXXX XXXX XXXX XXXX  ) - Notice sent to me on, XXXX XXXX - Response to a listing on my Credit Report. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 davs to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If vour office fails to respond to this validation request within 30 davs from the date of vour receipt. all references to this account must be deleted and completely removee fom my credit file and a copy of such deletion request shall be sent to me immediately. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Student Assistance (PA)

As part of American Student Assistance / XXXX 's response to a previous complaint in XX/XX/XXXX, it provided a falsified and unsigned promissory note from XXXX, in an attempt to substantiate this debt. I have never seen that document, nor approved any kind of restructuring of my student loans in XXXX, which this document from XXXX purports to authorize re-financing of my Subsidized Stafford Student Loans that I opened in XXXX, at a higher interest rate, with a private lender under the FFEL program. The fraudulent promissory note lists no lender name, but a lender code # XXXX, which corresponds to " XXXX '', a company that was shut down by CFPB for numerous frauds. Any payments I made to any predecessor loan companies on this account, were in good faith under the understanding that I was paying the servicer of my Subsidized Stafford Student Loans, which I borrowed in XXXX. However, this purported XXXX XXXX XXXX  account is for a different " FFEL '' student loan, that I did not open, and I did not authorize any loan consolidation in XXXX either. ASA has also never responded to my FDCPA verification request sent to their agent, XXXX XXXX on XX/XX/XXXX, and yet ASA still started reporting a " collection agency '' account to the XXXX credit bureaus beginning XX/XX/XXXX, which has caused my credit score to go from over XXXX to XXXX.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TrueAccord Corp. (SC)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accuracy.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accountshave violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. 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 the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (RI)

Dear LVNV FUNDING LLC ; Sir/Madam, I am writing to dispute the alleged debt mentioned reported by your company. This account is fraudulent, and I have never had any prior relationship or entered into any contract with either of these companies. 
The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this, I am requesting the following documentation : XXXX. Proof of your authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt. 
XXXX. The legal basis for collecting this debt. 
XXXX. Proof of your authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. A full account history, including all related charges.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX Facts : XXXX is aware and has proof in the attachment labeled as Exhibit XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX XXXX Account # XXXX, XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2015-11-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (NC)

My family was a victim of Flagstar Banks mortgage servicing tactics. Our initial modification application took 20 months to process. I recently learned that there was a settlement made with people in our situation and I had no knowledge and was not included in this settlement. My belief is that they sold our loan right before they made this settlement to avoid responsibility.