23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a pending court date set for XX/XX/XXXX. The only reason I found out about this was due to my new landlord running a background check for my occupancy permit per the City of XXXX. I was never served. Furthermore, I have never, in ANY capacity, been contacted by Jefferson Capital Systems. I only found out about their name recently when I ran my credit report prior to consolidating my student loans. After I noticed the collections for XXXX ( XXXX XXXX ) I contacted XXXX ( formerly named XXXX XXXX ) and they show no record of and defaulted loans, and all loans were paid off and brought current. It was only shortly after this consolidation XXXX XXXX moved to sue, still never notifying me in any capacity of their intent. 

Being as I was never contacted, I never had the opportunity to dispute. I have filed disputes with XXXX and XXXX ( currently pending, which again, I believed kept collections at bay and unable to file suit during that period ), and still never furnishing validation of debt. 

I am getting a copy of the documentation from the circuit clerk on file, and will arrive on my court date and explain this situation to the judge as well, as to avoid a possible default judgment. 

Per my report, Jefferson Capital has had this account since XX/XX/XXXX. In 2 years, I have never bee contacted in via mail, email, or phone call, by anyone with this company claiming I owe a debt. And now they have, to the extent I feel, filed suit illegally, in the hopes that that I would not become aware of their intent, and receive a judgement on account of my being absent. 

As XXXX XXXX has verified no debt is owed, the credit bureaus are investigating, and I have never been contacted regarding the debt in question, I am moving to contacting an attorney after XX/XX/XXXX with my findings after the court hearing. 

I also do not find it to be coincidence, that upon investigating as to WHO Jefferson Capital is, as stated since I have NEVER heard of them in the 2 years they apparently had this account, the first mention via a quick XXXX search is a case from XX/XX/XXXX. in which they attempted to sue an XXXX XXXX XXXX ( like myself ) briefly after he too consolidated his federal loans. 

I have contacted an attorney regarding this matter, and will by filing a similar complaint to the necessary receptors, as this, to me, seems to violate, in numerous capacities, the FDCPA and FCRA.
Product: Debt collection

JUST BECAUSE YOU MARK DUPLICATE DOES NOT NEGATE THAT YOU ARE BREAKING FEDERAL LAW AND NOT ABIDING BY FEDERAL PROCEDURES TO SOLVE THIS COMPLAINT. 

The unverified item listed, XXXX XXXX XXXX XXXX remains on my credit report in violation of federal law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Please provide proof of the original creditors documentation on file or I demand this fraudulent account be removed from my credit report immediately as it violates my consumer rights under federal law.
Product: Credit card or prepaid card

In in XXXX of 2021 my car my wallet and basically everything XXXX own was stolen. My Bank of America prepaid card was charged several times that day for a number of different things depleting my current balance. I then proceeded to call Bank of America to have a claim filed. After receiving my new prepaid card, and successfully using it for two days it was abruptly closed. Bank of America representatives told me that EDD had frozen the new account while the investigation was underway, but upon speaking to EDD several days later as the call volume has been so high they surprisingly told me that they hadn't taken any actions against my account, and as far as they know nothing on their end was done. I desperately need access to these funds. Unemployment is my only source of real income at the moment, so this stoppage in my ability to use them has been crippling. Repeated articles have come out regarding the topic against Bank of America
Product: Checking or savings account

There was a fraudulent transaction to my personal checking account on XX/XX/XXXX.  Somehow, there was {$1500.00} taken out of my checking account from a bank teller in XXXX, Arizona. I live across the country in XXXX, NY and have proof that I was at work the day of the fraudulent transaction. I checked my bank info online on XX/XX/XXXX and immediately submitted a claim when their department was open that following Monday.. I have now filed a claim with Bank of America that has been denied, sent a re-claim with documentation attached. Still have not heard back or what type of direction the investigation has taken after no less than 7 calls to their department. No answer on while they denied my claim or answers on how they have investigated  claim. This should be an easy investigation by looking at the bank cameras at the time, date and location and noticing it was not me taking out the {$1500.00}.
Product: Credit reporting or other personal consumer reports

Was involved in data breach the following inquiries are not mine. 
XXXX XXXXXXXX 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX,, a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

4. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach.

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 
I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Credit reporting or other personal consumer reports

I asked for a credit fraud removal and they still have not done it
Product: Debt collection

I have disputed this account several times before. It always comes back as accurate. 
Midland Management is reporting 3 different date last active. 

XXXX XXXX XXXX XXXX Experian XXXX A proper investigation was Never done according to the FCRA. 
The term nvestigative consumer report '' means information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom is aquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more. 

In accordance with the FCRA, Everything has to be 100 % accurate on my credit report. 

Midland Credit Management has concluded the information is accurate. 

How can this be when their reporting 3 DIFFERENT YEARS last active?

This is grounds for deletion.
Product: Vehicle loan or lease

I obtained an online loan approval from Bank of America on XX/XX/XXXX to purchase a used car from a " franchise dealer '' up to {$15000.00} at 3.19 %. I received an email stating that my application was approved. I was told to go to the franchise dealer and they would use that loan application to create my auto loan. 

On XX/XX/XXXX, I went to XXXX XXXX XXXX on XXXX in XXXX and selected a XXXX XXXX XXXX to purchase for {$13000.00} ( purchase price of {$11000.00} plus dealer fees ). At time of closing, the Finance person stated Bank of America would now not honor the previous terms and conditions but instead would offer only {$12000.00} at 5.24 %. The dealer then offered me dealer financing at similar but slightly more favorable rate. 

I perceived this as at best, steering to the dealer financing, and at worst a bait and switch. As this was XXXX at night, I paid cash for the vehicle and contacted Bank of America to address the issue the next morning. 

Bank of America stated that they could not provide financing unless I went through the dealer 's financing department. I escalated. Bank of America stated that unless the dealer would " undo '' the transaction they could not help me with a loan secured by the title. The dealer declined to make this right. 

Bank of America apologized, but did not make this right with me. They made no effort to honor their original loan offer, but tried to say that because they didn't know which car I would choose, they were always going to change the loan terms and conditions ( increase the APR ) based on the used car I selected.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, inc. ) Due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

they will not issue rewards balance towards payment on bill. every time I call with complaint about this problem customer service keeps saying give one month or next billing cycle to take effect
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/2022, I intended to send my brother {$620.00} through Zelle from my XXXX XXXX bank account. Zelle allows people to send money using other people 's phone numbers. I mistakenly entered an incorrect digit when entering my brother 's telephone number through Zelle. I immediately attempted to get the transaction reversed through XXXX XXXX ; however, they said I'm unable to cancel the charge once sent through Zelle. Then, I contacted Zelle and they informed me that I had to request it back from the individual who received my money in error. I reached out to the individual to inform him what happened and he didn't understand why neither Zelle nor XXXX XXXX could resolve it. The individual to who I mistakenly sent the money denied my request and asked me not to contact him again. The individual requested that Zelle resolve this. I informed Zelle of this and they still refused to take the money back from the individual and return it to me.
Product: Debt collection

XXXX XXXX XXXX at XXXX, has called me XXXX times in the last XXXX weeks. The time I did answer, I requested information pertaining to why they are calling, including documentation. They hung up on me. Have since continued calling.
Product: Debt collection

Follow Up Letter : Proof Of Verification For Previous Complaint # XXXX If you verified the debt provide me with the original contract or a contract that I signed with your company pacifically and that I'm going to be paying back to you. I need you to explain to me if this debt was charged off or written off how do I still owe this? I'm requesting the XXXX meaning the debt has been forgive and I no longer have to pay it, but I have to write off the debt as income on my taxes. So where's the XXXX? How did you verified this debt? Send me proof of the contract and your validation, so we can move forward.
Product: Credit card or prepaid card

The Barclay 's XXXX XXXX XXXX XXXX  XXXX by Barclays in Partnership with XXXX XXXX has a fixed policy that charges a $ 199 yearly card fee where they never allow consumers to downgrade their card to a lesser fee card in order to charge consumers exorbitant rates on yearly fees. Over a 5 year period there has never been a 30-day period where I have been offered an opportunity to downgrade my card to a lessor fee when I have called in consistently, thereby holding me hostage to a higher fee card or suffering a credit hit by closing the line of credit completely. This fixed policy as implemented by Barclay 's negatively impacts consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute asking the credit bureaus to investigate every piece of information. On XX/XX/2022 i sent a letter telling the credit bureaus to investigate every piece of information again, on the accounts I have listed below. Also i have attached the letter i sent out, here is the certified tracking number # s in the attachments below. 

According to the FRCA the term Investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account had been updated and verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. Upon my checking, last activity is inaccurate, payment history is inaccurate, remarks are inaccurate, months reviewed are inaccurate, personal information is inaccurate, etc. This is GROUND FOR REMOVAL of the accounts. 

These accounts and the credit bureaus also violated my rights under 15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

i have not given these accounts ( below ) my written permission to furnish these accounts on my credit report. 

Accounts XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I filed a dispute with all 3 Credit Bureaus about a Fraudalent Account on my credit report with XXXX XXXX XXXX with a {$610.00} Negative Balance. Two of the Credit Reporting Agencies removed the account and one did not. However all 3 of them removed a Positive and good Credit account that my wife and I have with XXXX XXXX with a {$2500.00} balance, a card opened in XXXX XXXX. This has drastically affected my score and it 's hindering me from refinancing a 4.5 acre 4500 sq ft building that I own and trying to refinance. They all refuse to put the account back on my credit report and all told me to contact XXXX XXXX. I did contact XXXX XXXX and they said all 3 of the bureaus should stand up to their mistake and put the account back on my credit. The account number is : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is reporting me as an authorized user on 2 accounts which i have never been an authorized user on any XXXX XXXX XXXX  accounts. XXXX  XXXX XXXX  is also hurting my credit by reporting late payments on this account and would like for XXXX  XXXX to remove these accounts from my credit reports. 

OVERVIEW Credit limit {$500.00} Minimum monthly payment {$30.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 80 % of payments on time Current red_status Not current Last payment XXXX XXXX, XXXX Payment status 60-89 days late Amount past due {$120.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Authorized User Remarks Dispute resolved ; reported by XXXX XXXX XX/XX/XXXX days late XXXX Closed XX/XX/XXXX Credit limit {$800.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 100 % of payments on time Current red_status Not current Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status Current ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Authorized User Remarks Contact subscriber Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Community credit of Leeds is reporting none payment on a closed account.
Product: Mortgage

I began working on a VA interest rate reduction refinance loan with Freedom Mortgage who is also my current lender. When we reached the time to began closing the loan I noticed the payment would be {$100.00} higher than my current mortgage. The lender stated it was due to the adding requirements for flood insurance. I currently have insurance without flood insurance from the origination of the loan. It was reviewed at that time flood insurance was not required. I let the lender know this is not what we agreed to and to cancel the loan. He checked with his Vice President of Freedom Mortgage who argues that I need to take it up with FEMA. The attached document clearly states flood insurance is not required in my area and this document was provided by the mortgage company. I also have a map of my location and an email from the city engineer who have validated that we are not required to have flood insurance. I have attached my conversations with the loan specialist, what the VP said, the maps provided. 

Hi XXXX, Mayor XXXX talked to me about the issues you were having regarding potential flood insurance, and asked me to look into it further. I pulled the official FEMA floodplain map for your address, which is attached. This map shows that your property is located in XXXX XXXX XXXX, which is not a Special Flood Hazard Area ( SFHA ). All land is given some sort of designation, which can be confusing. The determining factor should be if a property is located in a SFHA, as mentioned is section D of the flood insurance certificate they provided you. Feel free to give me a call to discuss further. 

Thanks, XXXX XXXX, XXXX XXXX XXXX XXXX/City Engineer City of XXXX XXXX Direct : XXXX | XXXX General : XXXX | XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
XXXX : XXXX DOB : XX/XX/XXXX The purpose of my letter is to dispute the following inquiries that are wrong and unauthorized. Please remove them from my Equifax credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 


XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX