23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX, and XXXX are still reporting an old collection from Jefferson Capital Systems on behalf of XXXX XXXX for the XXXX XXXX  {$2400.00} that I disputed the validity and never received proper verifcation with the original contract or even a notification that the debt was verified. 

I had just become aware that this debt was still on my credit profiles when applying for a mortgage. Please see attached for a copy of a credit report that I have received from my mortgage lender showing that the Jefferson Capital Systems on behalf of XXXX XXXX account has acknowledged that this debt was disputed, but I never received any official proof that it was validated or any resolution. 

This debt is being unfairly reported and is hurting my chances of being approved for a mortgage right now and I am expected to close on the house on XX/XX/2023. Please help get this Jefferson Capital Systems account rightfully removed from my credit profile on all three major bureaus. 

Thank you and I sincerely look forward to your response. 

XXXX XXXX XXXX  Account Name : Jefferson Capital Systems ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, and XX/XX/XXXX, I logged into my Experian account to temporarily lift the freeze off my credit file. I submitted all of my personal information along with the temporary pin that was assigned to me in order to lift the freeze off my credit file. I received an alert stating I need to send in requested documents, such as drivers license, state ID, etc., one copy of a utility bill, bank or Insurance statement, etc., and a copy of your social security card or another document that displays my social security number in order to verify my identity. The request also states the documents should display your name and current mailing address, and the dates of issue. These statements must be recent. Once the documents have been received they will validate my identity and remove the security freeze for the time frame I requested. 

The problem that I have is first I'm an Identity Theft victim which is the main reason I have the freeze on my credit file. The second issue, I logged into my account to access my credit file and there was nothing showing in my account. As I selected every link on the Experian web page of my account, nothing happened. I noticed the Experian website requesting me to upgrade the account. In XXXX of XXXX, I signed up for the Experian account, it was offered to me for free because I was notified I was involved in a XXXX  data breach. And I selected to receive free credit monitoring at all three credit bureaus. Now Experian are requesting for me to pay for the account. 

I need to temporarily lift the freeze off my account immediately for business purposes. And there seems to be a problem with lifting the freeze or accessing my Experian account period. Once I have sent in the documents requested, How will I know if my credit has been lifted? This has caused a problem for me because I have sent in documents before to verify my identity and Experian claimed to not have received any documents from me as well as the freeze was never lifted off my credit file. 

On today, XX/XX/XXXX, I will send off the documents requested but one of my documents ( drivers license ) does not have my current address on it but it is valid, recent and not expired. I have lived at my current address for 11 months and It is not time for me to pay to update my drivers license, so it will not show the correct address on it. So will it get rejected because it doesn't have my current address on it? The utility bill that I have sent along with my drivers license does have my current address on it. This is a serious road block that needs to be addressed with Experian. There is too much of my personal information being asked to send into Experian, and this company is not U.S. based. I'm an Identity Theft Victim and exposing too much of my personal information is not a secure method of protecting my Identity from anyone.
Product: Credit reporting or other personal consumer reports

XXXX added a derogatory mark on my credit report per TransUnion. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately due to the XXXX XXXX XXXX being in Direct Violation of The FCRA Reporting falsely the XXXX account. 

The credit reporting system is dependent upon my consumer report displaying fair and accurate information. XXXX and XXXX XXXXXXXX added a derogatory mark on my credit report per TransUnion showing account status as derogatory but payment was never late so the account CAN NOT be derogatory. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by TransUnion has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the XXXX XXXXXXXX and XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

XXXX XXXX XXXX  This item is outdated and is more than 7 years old I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer un
der title 15 chapter 41
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed my balance was very low. Called the card and had my XXXXnauthorized purchases. I called to dispute and the worker said there were XXXX transactions of XXXX all from online. Said XXXX more were pending so call back in a few days. Called back XXXX XX/XX/XXXX opened dispute. Also noticed there were charges as far back as XXXX. Other cou tries, states. Filed a police report and waited.on XX/XX/XXXX I called and the worker said I was approved to call back in 3-5 hours. Call back and new worker says denied? That upper management would take a look but decision is final? How am I suppose to live? This money is suppose to be fdic insured.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen between XX/XX/XXXX-XX/XX/XXXX. As a result, multiple accounts were opened and used without my knowledge. XXXX XXXX XXXX  XXXX was one of the accounts listed in my identity theft report. There was fraudulent charges on my personal checking account and my credit card was compromised. I reached out to XXXX XXXX several times but they wont help me. I've notified Experian multiple times but they won't remove it off my credit report. XXXX also has a missed payment on my Experian credit report that needs to be removed, I was never late on.
Product: Debt collection

Contacted First point collection { XXXX } in spring of 2018, about them reporting on my credit file, stating that i owed {$100.00}, I told them that someone is using my information for medical bills. I have no idea of owing anything to XXXX. they refused to remove this from my credit report. I have gotten this off of my XXXX and XXXX report. 


I contacted XXXX XXXX XXXX in the spring of 2018 about fraudulent charge on my credit report stating that i did not have any knowledge of what this is from, i also told them this was not my bill to pay, that my wallet was stolen prior to 2018. I tried to contact the original creditor XXXX blue ridge about this bill owing {$100.00}. and never gotten any calls back or emails. I also have gotten this off my XXXX and XXXX report. 

there is also a statement in my credit file stating that i had fraudulent activity. and my wallet had been stolen
Product: Credit reporting or other personal consumer reports

I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report per usc 15 usc 1666 B a creditor may not treat a payment on a credit card as an open ended consumer credit. They did not provide documentation as requested in accordance with the FCRA Fair Credit Reporting Act.

Freedom Mortgage has violated my rights ; 15 USC 1681 section 602A. 15 USC 1681 section 604A section 2, 15 USC 1681c ( a ) ( 5 ), 15USC16815-2 ( A ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any 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 ) 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.
Product: Student loan

I paid off two of my stafford loans last month and was told by Navient that I could delay my payments for my other loans a month as a result. I was given the wrong information and as a result have to pay last months remaining balance and this month on top of a late pay fee. When I called Navient they said there was nothing they could do and that I had to either put in forebarence ( more money ) or just pay it off.
Product: Debt collection

This company is violating my rights they have not provided validation information under 12 CFR 100634 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made an attempt to fix these issues previously. They are. violating my rights. I am entitled to monetary compensation for the multiple listed violations. There are two things they can do, delete the accounts effective immediately or they can compensate me.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX Balanced {$12000.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$0.00}
Product: Vehicle loan or lease

I purchased the XXXX XXXX XXXX XXXX on XXXX XXXX. The check engine light came on the 2nd day of me driving the car. I took it back to Byrider. I asked was it possible to switch to another car because I didnt want a car with a check engine light on I was told NO. The service manager at the time XXXX looked at it and said its a sensor problem and the state of Virginia states they dont have to fix it I was confused and upset. They advertised used reliable cars and help people low/bad credit so I trusted I would get a reliable car. Within 60  days the engine blew they claim to have fixed the engine and the reason the check engine light is on. The check engine light came on and stayed on. Then a few weeks later the car was over heating and wouldnt start. I went to advance auto and was told I needed a new battery because the one in it wasnt the right battery for my vehicle type so I spent {$220.00} on a new battery. My car was over heating because it was leaking antifreeze. Took it to service and the radiator was cracked, water pump cracked, C02 sensor replaced, bent control arm, I had to pay {$360.00} for them to fix the car mind you the warranty only covers certain parts and there is a {$60.00} deductible every time you bring the car in to get fixed and I dont trust that they were actually fixing the problem. When I came to pick the car up XXXX the service manager at the time said they seen I also have an exhaust leak but they didnt fix it because they already did a lot of work to my car. That statement confused me as well because why wouldnt you fix it or call me to tell me the other issues found with the car. So I just take the car and drive off. Im not rich I went to that car lot because of the false advertising of reliable used cars. I was sold a lemon and I contacted them several times about the vehicle even tried speaking with the manger who was very rude to me and showed no empathy to the issues that I brought to his attention about the vehicle that was sold to me. My car was only worth XXXX $ and was paying {$15000.00} for the car. My car note was {$520.00} a month. I lost my 2nd job because of me not being reliable to show up on time because of the car not being reliable but Im still paying for a car that wasnt working like it should. I lost time, money all behind this car and I want my money back. The stater went out then the transmission and at that point I was over the car I only had it for 10 months before I voluntarily repossessed the car. I had my insurance tow it to them. Now I get a letter saying they sold the car for only {$900.00} and I owe over $ XXXX still which is ridiculous since I was sold a lemon. Please I need help trying to recoup money that I lost because of Byrider Im without a car and dont have the funds to get another vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote a letter asking the credit bureaus to investigate this account XXXX XXXX XXXX  Account Number XXXX but I recently noticed another today on my XXXX credit report by XXXX XXXX Account number XXXX on my credit report because I saw several errors on my credit reports far as names, addresses, numbers and employers.I seen 2 weeks passed I didn't hear a response I figure it maybe got lost in the mail so I sent it certified mail I have the reciept with the tracking number that I will upload, The credit bureaus have yet to respond and it has been more than 30 days and I have not gotten one piece of mail with a response also I was currently incarcerated and did not come home until XX/XX/XXXX these account where open while I was incarcerated how is that possible this grounds for removal.They also violated my rights under 15 U.S.C 1681 Section 602 A and 15 U.S.C 1681 Section 604 A Section 2. The Law clearly states I have the right to privacy and states that a consumer reporting agency can not furnish an account without my written consent or instructions. I have not given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my outrage and frustration regarding the XXXX data breach, which resulted in the unauthorized exposure of my personal information. This massive security failure is not just an inconvenienceit is a clear violation of my privacy and rights as a consumer. XXXX 's gross negligence has directly affected me, and the lack of meaningful action in the aftermath only adds insult to injury. 

I am appalled by the inadequate response from XXXX to this data breach, as well as the lack of sufficient accountability from the Consumer Financial Protection Bureau in holding XXXX accountable. Despite the severity of this breach, it appears there has been little real action to protect the consumers whose sensitive data was compromised, including myself. 

To date, I have not seen any effective measures taken by the CFPB to ensure that XXXX is properly addressing this situation, nor have I seen any evidence of significant oversight or consequence for the companys egregious failure to protect my data. The fact that my financial and personal information was allowed to be exposed is a violation of my fundamental right to privacy, and it is absolutely unacceptable that it has not been rectified to my satisfaction. 

I demand immediate action from the CFPB, including but not limited to : A detailed update on the status of the CFPBs investigation into this breach and its enforcement actions against XXXX. 
Clear steps being taken to prevent such breaches from happening again, not only with XXXX but across the industry. 
Immediate financial remediation or compensation for those impacted by the breach, including but not limited to credit monitoring, identity theft protection, and legal remedies. 
Transparent information about how my personal data has been misused or accessed and what measures XXXX has taken to mitigate further harm. 
This situation is a clear case of corporate failure, and I am deeply disappointed in the CFPBs current lack of effective response. I expect swift and decisive action to address this violation of my rights. If no satisfactory resolution is reached, I will not hesitate to take further action, including but not limited to pursuing legal avenues and taking this matter to public forums to hold both XXXX and the CFPB accountable. 

I trust that you will take this matter seriously and act swiftly to resolve it.
Product: Student loan

In XXXX I went on the Student Aid website and submitted an application for SAVE, Im currently on XXXX. My husband lost his job and our household size of XXXX did not change. It was apparently up to Mohela whether or not the application would be approved, which is super backwards to begin with. Anyway, Mohela denied my application stating my current payment is lower than what SAVE would be. Ive asked no less than five times to tell me what they calculate to be my SAVE payment because I deserve to understand how it is higher and every time, Ive been deflected or not given the actual answer. This has to stop with Mohela. They are mismanaging funds and student loan holders are paying the price.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with FingerHut. I do not have a contract with Resurgent Capital Services. I have requested that they provide the PURCHASE AGREEMENT to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to. They did not provide a FULL SOCIAL SECURITY NUMBER AND THEY DID NOT PROVIDE A COPY OF SAID DRIVERS LICENSE. They did not provide me with the purchase agreement as I requested in complaint ID XXXX. Therefore according to the FCRA must be removed from my report. Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX v. XXXX XXXX, XXXX. Civ XXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You sent a letter trying to portray that you are validating a debt by sending Bill statements and terms and conditions, which indeed per FCRA is not validating debt nor is it send what was request in the original complaint ( the purchase agreement ). Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. I have no knowledge of an account with said company. Being that LVNV has stated that this alleged debt was sold to them means that this debt was claimed on taxes, therefore PRA is trying to collect money from a debt TWICE. SENDING A BILL IS NOT VERIFYING A DEBT! I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the attorney generals office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is stated above. 

Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian and the XXXX XXXX XXXX XXXX. I have emails from the credit union stating that there have been no late payments in XX/XX/XXXX, because I lost my job in late XXXX but have since recovered the account. I want the late payments from XX/XX/XXXXremoved and correctly reported as well as my credit score updated correctly from all repeating agencies. I am so frustrated with this? I lost XXXX points in 1 day over inaccuracies and I want them corrected immediately.
Product: Credit card or prepaid card

I opened an account with American Express in XX/XX/XXXX. It was agreed that I would receive an available balance of {$5000.00} and I would repay at least the minimum payment on time. I did not activate this card until the spring of XX/XX/XXXX. I registered online and everything was fine. I began using the card in XX/XX/XXXX. My wife 's brother was XXXX XXXX and we went to Alabama to see him one more time. We had spent close to {$2000.00} and I went online after we returned to make sure we did n't exceed 33 % of available balance so we did n't affect our credit. We had n't so I made a payment of {$100.00} which was much more than the minimum payment. We are going to Oregon in XXXX and were going to use the card for that trip. I logged into my account to check the balance and to my surprise American Express had lowered my available balance from {$5000.00} to {$2000.00}. Because of their actions my credit will take a hit next reporting period and I do n't have the available funds for our trip. I have done nothing to cause this to happen. I 've never been late on a payment, matter of fact there 's only been one payment due and I payed more than what was due! I thought an agreement was an agreement. Binding on both parties not just one. I want American Express to restore my available balance back to the  agreed to amount. What they have done is at least incredibly poor business practice if not illegal.