23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing a complaint against JEFFERSON CAPITAL SYSTEMS LLC for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, JEFFERSON CAPITAL SYSTEMS LLC consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, JEFFERSON CAPITAL SYSTEMS LLC actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure JEFFERSON CAPITAL SYSTEMS LLC complies with federal law and provides consumers with the necessary proof of investigation.

Also, I request deletion of all fraudulent items and information within 30 days pursuant to FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims.
Product: Credit card

XXXX Best Buy : XXXX, MI I was purchasing computer products at Best Buy in XXXX, MI and when I went to complete my transaction and pay for the products the salesperson that was assisting me asked me if I would like a {$150.00} gift card or 6 months free financing? 
I stated that I would like the {$150.00} gift card and did not need financing. 
The salesperson retrieved my information from their records and both my last name and address needed to be corrected/changed. 
The salesperson needed to make a phone call to make the changes of my last name and my address. I believe I had to sign an electronic signature to change my name and input my SSN ( as I understood from the salesperson to make these changes ). 
I then spoke to someone from Best Buy on the phone to confirm these changes. At that point she asked me for my annual or household income ( at the time I believed this was for marketing purposes ). Then I asked the person on the phone from Best Buy who I believed to be changing my name and address if she was " pulling '' my credit bureau? She acted surprised by question and said " well, yes! ". 
I proceeded to ask the salesperson why would Best Buy would be " pulling '' my credit bureau? 
I 'm not certain the exact response from the salesperson other than something like ... '' that I would be able to use this card for future purchase, get my {$150.00}, and get future discounts etc.. 

I shared with the salesperson that I did not need or want a credit card and that he never asked me if I wanted a Best Buy credit card or told me that Best Buy would be retrieving my credit bureau. I felt very concerned about the safety of the information I had already provided Best Buy under the pretense of changing my last name and changing my address information. 

I believe this sales technique of offering a " gift card '' and then retrieving a consumer 's credit bureau without their knowledge ( and in my option, without my authorization or signature to do so ) and setting consumer up with a Best Buy credit card is very deceiving and unfair to consumer.
Product: Mortgage

I was told in XXXX of XXXX as the loan matured a balloon payment of {$21000.00} was due in XX/XX/XXXX The original loan company was IndyMac Bank The loan was transferred to XXXX a service link company Loan # XXXX Lender Loan # XXXX Spoken with several representatives from XXXX. No one could give me a reason for the balloon payment I've never missed a payment in 15years. I paid the amount of {$21000.00} Why did I have a balloon payment due... was this legal. 
My loan originated XX/XX/XXXX If this wasn't legal or as I heard all balloon payment as of XXXX were canceled, how to i get my money back?
Product: Mortgage

I entered into a HAMP loan modification as of XX/XX/2016. This modification is a Tier 1 loan modification under the HAMP program, which has an incentive. The incentive is entitled the " Pay for Performance '' Incentive under the the MHA Handbook Chapter II : HAMP page 147 section 13.2.1. The provision of that section specifies a payment incentive to borrowers in the 5th year anniversary after the loan modification date, said borrower 's loan is eligible for a {$5000.00} reduction of the principle and a recast of my mortgage, as long as the loan is in good standing. I have not heard anything from Bank of America regarding their arrangements to enforce the provision of the HAMP agreement as it relates to my mortgage. * Please note - my loan was originally with Bank of America. When it went into default, it was sub-serviced by XXXX XXXX. Once the modification process was completed and entered, the loan went back into servicing with Bank of America. The loan mod was signed while being sub-serviced with XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$2900.00} XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2900.00}
Product: Student loan

I have been getting garnished since XX/XX/XXXX. Under the Cares Act, the garnishment was to stop XX/XX/XXXX & a refund should have been given if anything was garnished after that date. I was garnished on XX/XX/XXXX for {$400.00}, XX/XX/XXXX for {$160.00}, & XX/XX/XXXX for {$120.00} ... I was furloughed due to the pandemic on XX/XX/XXXX but was able to be hired back on XX/XX/XXXX. However, the garnishment was continued on XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$190.00}, on XX/XX/XXXX for {$160.00}, on XX/XX/XXXX for {$1000.00}, and XX/XX/XXXX for {$160.00}. Thats a total of {$2300.00} through the duration of the Cares Act & executive ordered extension. 
I made several unsuccessful attempts to contact the loan servicer, Coast Professional Inc., and filed a complaint on their website on XX/XX/XXXX & received a letter from them XXXX XXXX overnight on XX/XX/XXXX stating I was eligible for the garnishment hold under the Cares act and would be notifying my employer & would receive a refund of garnishments taken since XX/XX/XXXX. 
I spoke with my HR department today and finally received confirmation of the hold ( after I emailed them the letter I received ) but still unable to get any info on when Coastal or the Department of Education will or how they will issue the refund.
Product: Credit card or prepaid card

Victoria secrets  uses commenty bank and for the past week they have had a " system update '' and they won't respond via phone service to pay the bills and therefore making me have late fees which lowers credit. When reaching out they don't provide any answers of whats going on, I can't access any of my card information as well
Product: Credit reporting, credit repair services, or other personal consumer reports

For a very long time I have battled with Equifax regarding removing the fraudulent account which is dropped from $ XXXX- {$5000.00} for cash aid withdrawn by the mother of my children who at the time was collecting cash aid and did not have the children since I had full custody. The {$55000.00} was updated and taking off by the department because of the mistake in the fraudulent {$5000.00} amount Its still been reported by the bureau even though I let them know that that amount is fraudulent. The mother is currently in rehab and I would like the negative information taken off and blocked once and for all.
Product: Credit card

My PayPal account has been " We're permanently limiting your account. '' On Wednesday, XX/XX/XXXX, I woke up with an email from PayPal saying that a new email had been added to my account : XXXX. 

Of course, I didn't recognize this email address, and I didn't make any changes to my account. When I got into my account, there was a new phone number that I again didn't recognize. I changed the email address and phone number back to my email address and phone number and changed my password. I figured I got hacked. 

Then I get an email from Paypal saying my PayPal account has been deactivated. 
I sent an email to PayPal 's phishing address, but I never received a response. So, what's going on? 

PayPal Customer Support : This isn't my problem, though. It's PayPal 's problem that you allowed my account to be hacked due to PayPal 's lack of proper security measures. Moreover, I can no longer get access to my PayPal XXXX or my PayPal XXXX XXXX balances or monthly statements. You do realize this, right? I did not violate any terms or conditions of the User Agreement, but PayPal appears to have. Your response is totally unacceptable. 

PayPal continues to send the same boilerplate/canned response, informing me to refer to their XXXX User Agreement. Without specifying what part of the User Agreement I allegedly violated, it's impossible to determine such an alleged violation. 

Finally, PayPal violates the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act
Product: Money transfer, virtual currency, or money service

I have retirement plan accounts through XXXX University at TIAA ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ). At the end of XXXX, I decided to diversify my investments and chose an automatic option on the TIAA website that re-distributed my money. However, in mid-XXXX because of a change in market conditions, I decided to make my investments more conservative and requested that all my money be put into two bond funds. I then noticed that the money in an account called TIAA Traditional did not transfer. After I complained about this, a customer resolution manager, XXXX XXXX, informed me that because of one mistaken checkmark, they considered that I had effectively signed a long-term 10 year contract to keep my money in this TIAA Traditional account. They say there are no options for removing it to other investments. 

TIAA combines the following elements into a classic gotcha scheme : 1. Design a system that automatically directs customers to invest in TIAA Traditional. Mix it in with other investments that are standard funds which require no contracts. 

2. Trick the customer into clicking on a checkmark and claim that this constitutes a duly signed contract, although they do not have a signature and there is no actual, separate contract. 

XXXX. Hold the customer 's money hostage for 10 years by pretending that the customer has no rights outside of the supposed contract. This particular investment overcharges on fees and pays a poor return. 

TIAA will not : 1. Supply a copy of the contract they claim I digitally signed.

2. Tell me the penalties which apply to breaking this contract.

This is abusive and predatory behavior. I am near retirement age and my son is special needs. They will cripple us with this crazy situation. I have approximately {$53000.00} in the TIAA Traditional account.

There is a class action lawsuit that was filed against XXXX in XX/XX/2015 by XXXX XXXX XXXX because of this behavior, but I do not know the status of this. Here is the link : XXXX XXXX XXXX  Please help me! 

XXXX XXXX XXXX XXXX University
Product: Credit card

Refer to the attached documents. I want the bureau to initiate an investigation into these accounts for which I am never late, but they are erroneously reporting me as such.
Product: Credit reporting or other personal consumer reports

Experian is reporting an allege late payment on the account XXXX XX/XX/XXXXXXXX Account # XXXX the late payment is listed in the month of XX/XX/year> and Experian is the only consumer agency reporting this late payment. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XX/XX/XXXXdays before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XX/XX/XXXXdays before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

My next step is to file a suit against the credit reporting agencies, Experian and XXXX to be exact. They are continuing to add to the initial fraud inwhich one has done to me. Their investigation continuously come back with the same results, verified, but never once providing me with any proof. This is my last request for you and your companies to block the following from my credit report ... .1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 )  XXXX XXXX {$56.00}, {$52.00}, 4 ) XXXX XXXX XXXXXXXX 5 ) XXXX 6 )  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and unverifiable accounts currently reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) and 1681s-2 ( b ), you are required to conduct a reasonable reinvestigation of disputed accounts within 30 days. However, due to the recent legal actions and settlements against XXXX and XXXX for their failure to uphold compliance with federal law, I demand immediate removal of the following accounts within five ( 5 ) days of receiving this notice. 

Disputed Accounts : [ List the account names, account numbers ( last XXXX digits ), and creditor names ] XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CARD SERVICES, XXXX XXXX XXXX XXXX, 1000 According to 15 U.S. Code 1681e ( b ), credit reporting agencies must maintain maximum possible accuracy in consumer reports. The accounts listed above are inaccurate, outdated, and/or unverifiable, violating your obligations under the law. If these accounts can not be independently verified with legally admissible documentation from the original creditor, you are required to delete them immediately under FCRA 1681i ( a ) ( 5 ) ( A ). 

Furthermore, in light of recent legal settlements involving XXXX and XXXX, it has been established that both bureaus have engaged in unlawful reporting practices, misrepresentation of data accuracy, and failure to properly investigate disputes. This has resulted in legal consequences, including mandated corrections and account deletions for affected consumers. 

Given this precedent and my rights under the FCRA, I am demanding the permanent deletion of the disputed accounts within 5 days of receiving this letter. If these accounts are not removed within this timeframe, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action for willful non-compliance under FCRA 1681n. 

Please send me written confirmation of the deletion of these accounts within 5 days. Failure to comply with this request will result in further legal action against your agency for violating my rights under federal law. 

I expect your immediate compliance and look forward to receiving confirmation of the removals.
Product: Debt collection

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm noticing that my personal information and line of credit that is open has been open back before when I started establishing credit myself because back then I had someone else in control of my credit so I need to dispute and erase that off of my credit report because I did open any kind of line of credit on my credit report since I have been legally authorized to do it on my own. I had my first line of credit opened on XX/XX/XXXX my first credit report according to my credit wise account is saying that my first single my credit report inquiry that must done by me was on XX/XX/XXXX and my first line of credit got opened on XX/XX/XXXX by me and anything farther back from XX/XX/XXXX is not accurate information done by me on my credit report and I need to disputed
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Debt Validation and Cease and Desist To, Whom It May Concern, I am writing in response to a recent debt collection notice from your office regarding account number XXXX. To ensure that I am communicating with the correct party, I request that you provide documentation validating the debt in question. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I formally request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the amount you are claiming is owed, including documentation of any contract or agreement related to this debt. 
XXXX. Records of all assignments showing the transfer of the debt from the original creditor to your agency. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation of any assignments from the original creditor to a secured trust and back to the original creditor. 

Please cease all collection activities until you provide the requested validation of this debt. Additionally, I ask that you refrain from accessing my credit report or reporting any information to the credit bureaus regarding this debt, as I dispute its validity. Should you have already reported this debt, I request that the dispute be noted on my credit report. 

Please also clarify your permissible purpose for accessing my credit information, as I contest your right to do so. 

Furthermore, I dispute the validity of this debt and request that any future collection agencies you XXXX transfer this debt to be made aware of this dispute. 

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

Sincerely, XXXX XXXX
Product: Credit card

Several times over the past month my credit card from Citi has been charged by a single merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each time the charge is for XXXX Each time this charge occurred I received a text asking me if I made this charge. Each time I replied no. Each time they require me to cancel my card and send me a new one. Each time this happens, it requires hours of work on my part to re-enter my credit card information into all the merchants that I'm using online. I have even gone so far as to create a number of virtual credit card accounts, so that I'm not putting my actual credit card number on line. One of these accounts was charged, not my actual credit card number. There were only three merchants attached to that virtual account number. I requested that I be able to turn off that one virtual number, rather than having to redo everything again. I have also asked Citi to block this one merchant, so I do not continue to have to do everything that I am having to do; however, this is to no avail. What I would like, is to completely cancel this particular credit card, have my yearly membership fee refunded (paid on XXXX and then reapply for a new card with the same company at which point, I would be glad to pay the fee again. I just don't want to pay it twice for something that seems to be simple to fix.
Product: Credit reporting or other personal consumer reports

Commenity Bank : Victoria Secret Credit card Lane Bryant Credit card Store Cards were opened to purchase underwear. Undergarments were stolen off front of house address.

Lane Bryant underwear stolen and replaced without receipt on porch/ front of USPS address.

Credit card was open and closed and opened new cards not replaced cards. Effected my credit score XX/XX/30 points drop for hits on credit history. 

Paper bills not sent to house address.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard by the institutions responsible for reporting accurate, complete, and permissible information I am seeking help from a higher source. Remove urgently.