23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notice of a Trustee sale scheduled for XX/XX/XXXX in XXXX XXXX near the end of XX/XX/XXXX from XXXX XXXX XXXX which is XXXX XXXX XXXX. XXXX XXXX is trying to hold a Trustee Sale of my Private Property on behalf of Shell Point Mortgage Servicing and NEWREZ LLC. I returned the Notice to XXXX XXXX, letting the know that this was FRAUD and requesting validation of the Debt. I have been in communication with Shell Point Mortgage Servicing asking for the same information since XX/XX/XXXX and I have filed multiple complaints that seem to be ignored along with all of my affidavits, and validation of Debt requests. XXXX XXXX has not responded to any of my communications. My Private Property is still listed on multiple foreclosure sites and random people are knocking on my door and harassing my family along with taking pictures of my Private Property. it is Unlawful to auction off my Private Property without Due Process. The sale of my private property has not been decided in a Court of LAW. 
18 U.S. Code 241 Conspiracy Against Rights 18 U.S. Code 242 Deprivation of Rights under the Color of Law 15 U.S. Code 1692 ( d ) Harassment and abuse 15 U.S. Code ( e ) false and Misleading Representations 15 U.S. Code ( f ) Unfair Practices 15 U.S. Code 1692 ( f ) ( 6 ) ( a ) states there is no present right to the possession of the property claimed as collateral through an enforceable interest 15 U.S. Code 1692 ( g ) Validation of Debts 15 US Code 1 Trusts, ect in restraint of Trade Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court. 
I have been disputing this Debt due to multiple Loan number filed with my county as well as reporting different loan numbers on my credit report all with the same date attached. As well as multiple companies sending me statements in the mail, I have XXXX different addresses from Shellpoint Mortgage Servicing and NEWREZ LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter dated XXXX XXXX Applied for car loan and purchased was affected based on a credit score from SAGESTREAM LLC. of XXXX but all my credit scores from the 3 legitimate normal sources of XXXX, XXXX, XXXX were 700 + scores. I dont understand how a company that not even the dealership has heard of as I checked with them after receiving letter Can affect someone built good credit history be allowed to do business ... please look into this nonsense as I have now researched numerous people complaint about the same situations ... 
Ps : I car the loan for the car but my interest rate was affected do to their negative score in miss information
Product: Credit reporting or other personal consumer reports

I am writing to complain to JPMCB AUTO about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number is XXXX. The FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Jefferson Capital Systems regarding their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in relation to a debt they claim to have acquired from Upstart. 


1. Lack of Proper Notification from Upstart : My original creditor, Upstart, failed to notify me that my account was sold to Jefferson Capital Systems, which I believe is a breach of my loan agreement. 
2. Failure to Provide a Debt Validation Notice : Jefferson Capital Systems did not send me a debt validation notice within five days of acquiring the account, as required by 15 U.SXXXX Code 1692g of the FDCPA. 
I only became aware of their claim when I checked my credit report and saw a negative entry from them. 
3. Inaccurate Credit Reporting Without Proper Validation : Despite failing to validate the debt, Jefferson Capital Systems reported the account to the credit bureaus, damaging my credit. 
Under the FCRA ( 15 U.S. Code 1681s-2 ), furnishers of credit information must ensure accuracy and can not report unverifiable debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon Review my credit files, it showed a Collection from XXXX XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX service as I am a customer with XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is Name : XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 
XXXX. Also Known As : XXXX XXXX. Date of Birth : XX/XX/year> Update this information. 
XXXX. Address : My current residential address XXXX XXXX XXXX XXXX, OH XXXX. I request that my current address be updated accordingly. 
XXXX. Previous Address ( es ) : XXXX XXXX  XXXX  XXXX XXXX, OH XXXX XXXX. Employers : XXXX XXXX XXXX, be updated as my primary employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$3500.00}
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX for their failure to comply with Section 605B of the Fair Credit Reporting Act ( FCRA ) regarding fraudulent accounts reported on my credit file. As a victim of identity theft following the Equifax data breach, my personal information was exposed and has since been used fraudulently. Despite providing XXXX with dispute requests, they continue to report inaccurate and unverifiable accounts, in direct violation of my consumer rights under the FCRA. 

Disputed Accounts 1. XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Balance : {$140.00} - This account is fraudulent. I have no association with XXXX at XXXX or XXXX XXXX XXXX. 

2. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$2000.00} - This account does not belong to me and is entirely fraudulent. 

XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$670.00} - This debt is fraudulent, and I have no knowledge of any account with XXXX XXXX XXXX XXXX 

4. XXXX XXXX XXXX ( Original Creditor : XXXX ) Balance : {$720.00} - This account is fraudulent and was opened without my knowledge or consent. 

Violation of Section 605B of the FCRA Under Section 605B of the FCRA : - Credit reporting agencies are required to block fraudulent accounts within **four business days** of receiving a dispute supported by evidence of identity theft. 
- Agencies must verify the accuracy of disputed accounts and remove unverifiable information. 

XXXX has failed to : 1. Remove fraudulent accounts despite my disputes.

2. Provide any verifiable documentation or contracts with my wet ink signature to substantiate these debts.

These failures have caused significant harm to my financial reputation and creditworthiness. 

Requested Actions I request the CFPB to investigate XXXX for their violations of Section 605B of the FCRA and to enforce the following corrective actions : 1. Require XXXX to remove all fraudulent and unverifiable accounts from my credit file immediately. 
2. Mandate that XXXX provide documentation, including original contracts with my wet ink signature, to substantiate any claims of legitimate debts. 
3. Ensure XXXX implements proper measures to protect consumers from further harm caused by their negligence in addressing identity theft. 

Impact on Me XXXX negligence has caused unnecessary financial and emotional distress. Their failure to comply with the FCRA has lowered my credit score and impacted my ability to access fair financial opportunities. 

I trust the CFPB will take swift action to address these violations and protect my rights as a consumer. Please contact me directly at ( XXXX ) XXXX or XXXX if additional information is required. 

Thank you for your attention to this matter. 

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

The company is not really looking into my credit report issue. Now since this is the third communication. The company has continued to report items on my report which can not be linked to me if they actually contact the company or court and which FCRA 609 require them to provide proof of the debt or records that justify the documentation on my credit report. This would clear any misunderstanding and the information that needs to be updated will be updated. The company act as if its not their responsibility to obtain all documentation that legally ties me to any debt or public records that are listed on my report. I am now needing to exercise my rights using FCRA 609 guidelines which require them to follow what I mention.
Product: Debt collection

Affirm has reported to XXXX that I owe them money on an account that it paid off and they are refusing to updated my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$500.00} XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX XXXX XXXX {$140.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$500.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX : {$14000.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX XXXXXXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX : {$660.00} XXXX XXXXXXXX XXXX : {$140.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

According to the FCRA law TransUion is supposed to report accurately under 15 USC 1681i ( 5 ) and 15 USC 1681e ( b ) This Organization XXXX XXXX XXXX XXXX is in litigation and I requesting these accounts be removed immediately XXXX XXXX XXXX XXXX ACCT # XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX
Product: Debt collection

Affiliated Acceptance Corporation continues to charge me for a membership with a company I no longer am associated with. On XX/XX/2018 I signed up with XXXX XXXX in XXXX XXXX New Mexico for a membership. I was reluctant to do so because I travel extensively and am not able to use their facilities much more than two or three days a month. The employee at XXXX XXXX assured me that this would not be a problem because they could just " put my account on hold. '' XXXX XXXX received a one week notice that I was going to be going to XXXX  and would need my account to be placed on hold. They received a 72 hour notice. By the time I gave them a 24 hour notice, I was charged for the month of XX/XX/XXXX. I wasn't in XXXX XXXX during the month of XX/XX/XXXX and they were not authorized to charge me for that month but they did anyway. Now, Affiliated Acceptance has decimated my credit score by reporting this as a late pay. They know the situation yet they continue to charge me even though I no longer wish to do business with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Debt collection

Today I noticed a Collection that did not belong to me on my Credit Report from a Company called " Wakefield '' and " Associates ''!!! A third party collection agency! I told them that this account did not belong to me? And I told them that my Identity had been stolen and is being looked into? The number to this company is XXXX! This company keeps harassing me daily! And I would like something done as soon as possible please? Thank you very much!
Product: Student loan

First of all these student loans consist of Stafford and consolidation. My complaint is being made due to selling of my loan and late notification. In XXXX 2016 I made my due current payment to XXXX XXXX XXXX. Later I received a letter from Nelnet stating they purchased my loan. I was also on a contract due to hardship for a specific payment. I was told by XXXX they had my payment and would forward. Nelnet told me they still needed payment ( grace of 15 days ) I borrowed and paid XXXX payment. I was told they would honor the contract, however, I would have to re-qualify upon renewal. Today! I received from Nelnet a payment of {$430.00}, variable interest rate changes, and late fees. 
I am at retirement making {$14.00} an hour trying to keep my expenses within my budget. I have been paying this loan for over eight years and current with this payment plan based on my income.
Product: Credit card

On multiple occasions, I have charged the purchase of an XXXX XXXX plane ticket to this credit card. But since I don't like to ever carry a balance, I always immediately pay the balance in full as soon as it appears on my " online '' balance. The payment is always made well in advance of the " payment due date ''. But every time, they still draft my checking account for the full amount of the balance that was previously paid in full, creating a " credit '' balance on the account. Then in subsequent months, I still get an e-mail notification that the " minimum payment amount '' of {$29.00} ( or more, if the balance exceeds a defined limit '' will be drafted on the balance due date. 

I was told by the customer service line that the {$29.00} minimum payment would not have been drafted since there was a credit balance, and that this is simply an " automated '' e-mail. From my perspective, this is WRONG and misleading at best, to tell their clients they are going to draft money when in fact they have no intention of doing so because there is no balance on the account. 

Also, I believe it is WRONG for them to take my money for charges that have been paid in full ( weeks previously ) and no such balance exists. I pay off the balance in full within 48 hours of the charge showing up on my account. But regardless, they always take the money and leave me with a credit balance. They should be paying me interest on MY MONEY that they have wrongfully taken as a loan to themselves, which I never approved or wished. 

The customer service rep seemed to blame all of this on the fact that I am signed up for some " repeating payment plan '' and that this is apparently how their " computer program '' works. But that is a poor excuse for them taking my money, especially without appropriate compensation to me. Also, if they are doing this to me, I can't even fathom how much " free '' money they must be taking from others in this same manner. This should simply be illegal. They are creating an interest free loan to themselves.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance XXXX {$82.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed a XXXX XXXX XXXX XXXX XXXXXXXX Reference number XXXX with the credit bureaus XXXX, XXXX, and XXXX XXXXWhich two of them ( XXXX AND XXXX XXXX confirmed the public record was verified by the court. I asked XXXX and XXXX to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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.
Product: Checking or savings account

On XX/XX/2023, I was a victim of identity theft. Starting on the evening of XX/XX/XXXX I began to notice withdrawals from the Credit Karma spend account that I did not authorize. I still had possession of my card so I did not understand how these transactions were being made. I was able to log into my account on the mobile application because biometrics were used. However, when attempting to log into my account on a computer, the system did not recognize my login. After contacting Credit Karma by phone, I was notified that the email address was changed on my account and it was updated. A total of {$650.00} was taken from my account in 2 days. I disputed the transactions and we only refunded {$500.00}. Credit Karma, unbelievable to me, determined the remainder of the transactions were made by me... .they were not. I was transferred by email to Credit Karma 's fraud section ( they only communicate by email ) and sent them a copy of my driver 's license ( front and back ) and a copy of my marriage license. I also, just today sent them a selfie holding my driver 's license. Even with all of this, my funds have not been returned.
Product: Mortgage

Consumer Protection Financial Bureau RE : Noted SLS Loan # XXXX Dear Consumer Protection Financial Bureau, I am writing regarding Specialized Loan Services false, fraudulent, and predatory services located at the below address : Specialized Loan Servicing ( SLS ) XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, CO XXXX SLS XXXX XXXX XXXX XXXX CO XXXX Please note the following : 1. I disputed the validity of the above loan three times. Specialized Loan Services in their predatory manner never provided documentation to verify : 1 ) they owned the debt, 2 ) debt was not discharged in US bankruptcy, and 3 ) debt was not unsecured. 
2. I owned property at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. SLS claimed they owned a lien on the property. 
4. Specialized Loan Services in its predatory manner claimed I owned over {$220000.00} which it never verified. 
5. Second lien on the property was held by XXXX ( see attached statement ). 
6. On XX/XX/2012 Honorable US Bankruptcy Court Judge for the District of Maryland Ordered lien was deemed wholly unsecured. Reference Order Motion to Avoid Lien Pursuant to 11 USC Section 506.