23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Mailed information company : JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Debt Collection Notice - Lack of Required License Dear Jefferson Capital Systems, I am writing to address a matter concerning a debt collection I never received a notice but I received an alert from my credit report that that your agency has placed on my report. I wish to bring to your attention that, based on the information available to me, it appears that your agency may not be appropriately licensed to collect debts in the state of Texas, as required by the Consumer Financial Protection Bureau ( CFPB ) regulations. 

Please be informed that it is a violation of federal law under the Fair Debt Collection Practices Act ( FDCPA ) for a debt collector to engage in debt collection activities without the necessary state license ( s ). As a consumer, it is my right to ensure that my debt is being collected by a licensed and legally compliant debt collector. Therefore, I kindly request that you provide me with the following information : 1. Your agency 's license number for debt collection in the state of Texas. 
2. Proof of your agency 's compliance with the licensing requirements as mandated by the state 's debt collection laws. 

I expect your prompt response to this request, as failure to comply with the necessary licensing requirements could constitute a violation of the FDCPA. If your agency is not licensed to collect debts in my state, I demand that you cease all debt collection activities related to my account immediately and remove any negative credit reporting associated with this debt. 

Please consider this letter as a formal dispute of the debt and a request for validation under the FDCPA. Until you can provide the requested information and demonstrate your compliance with state licensing requirements, I will not acknowledge this debt as valid. 

I kindly request that you respond to this letter within 30 days from the date of receipt. Failure to do so may result in my taking further action to protect my rights as a consumer. Additionally, please be advised that I will be monitoring my credit reports closely to ensure that the debt collection activities cease, as required by law. 

Sincerely, XXXX XXXX Enclosure : Credit Report Notice CC : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Office of the Attorney General of Texas XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting

I receive credit monitoring free of charge from my bank. In reviewing my credit score, Experian lists reasons that help and hurt your credit score. While reviewing the reasons, I noticed that two of the reasons that help my score are also factors that hurt my score ( please see enclosed document. ) Given there is conflicting information, how is one to improve their score? This is confusing and can lead the consumer to make decisions that can negatively affect their score, while intending to improve their score. 
This seems very deceptive and unethical. 
Please help.
Product: Student loan

The issue is that Mohela customer service is unavailable to speak with me or provide me timely written communication due to overwhelming volume of those seeking XXXX. I myself requested XXXX from Mohela and I also have a specific request for XXXX. I submitted my XXXX  Application to Mohela, so I am confident that will be resolved. However, it is important that Mohela hear me and take my specific request, which they haven't been able to do, so that leaves me very worried. 

I am very worried that the {$20000.00} Debt Relief will be applied to 2 loans I have from XXXX. My XXXX Application shows that I have 9 years of public service toward the ultimate " forgiveness '' of those 2 loans from XXXX. So, as a result I do not want the {$20000.00} Debt Relef applied toward those two loans, I have several other loans from XXXX - XXXX which should have that Relief applied. 

I have submitted to Mohela in two occasions 1 ) the XXXX  Application for the loans from XXXX on XX/XX/XXXX and 2 ) a letter on XX/XX/XXXX explaining that I intend that Debt Relief not be applied toward the XXXX loans from XXXX for which I requested XXXX. 

My only hope is that Mohela takes these requests and processes them correctly before application of Debt Relief, because the prospect of having to undo Debt Relief on the 2 loans from XXXX and then having Debt Relief retroactively applied sounds like a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}
Product: Mortgage

I have an existing mortgage with Bank of America ( BOA ). A refinance was requested to BOA on XXXX/XXXX/2016. I 've submitted all required documents from the loan officer of BOA. I repeatedly called the loan officer I worked with about the progress. There was no response. And suddenly a single line email came on XXXX/XXXX/16 that the loan was declined without any explanation. I have a credit score of around XXXX. My proper value to loan amount ratio is fine. I have sound job history. 
The manager XXXX XXXX, after more than a day, answered : " It appears, according to my underwriter, that we were needing the actual 12 months of cancelled checks and lease agreement. The information you provided does not allow us to link your name to the account provided. '' Again XXXX XXXX was not able to reach any more after emails and XXXX voice mails. Nobody from BOA requested the leasing agreement. I do n't know what " cancelled checks '' they wanted. I have the letter of statement indicating my payments were from online payments. BOA could review more statements to link the payment info. However, BOA failed to request such further documents and abruptly declined the loan request. 

This is false advertisement of BOA that enticed the customer to apply loans with them and charge the XXXX party fees, such as appraisals. I complain about BOA on miscommunication and false advertisement and request to refund the charge due to fault from BOA.
Product: Debt collection

In XX/XX/XXXX 2021, Patenaude Felix A.P.C., sent me a letter of {$390.00} with a offer to settle with my debt paid in full, a response needed by the end of XXXX. On XX/XX/XXXX of 2021, I messaged the client through their website to pay the amount as soon as possible, leaving my contact information. After getting response, I emailed the attorney ( on XX/XX/XXXX ) there who I discussed the case with, her name is XXXX XXXX. I again received no response. After that, I messaged them again on their website and said that if I receive no response in 5 business days, the debt is considered settled in full. I again received no response. Today on XX/XX/XXXX21 I called and did get a response, but they said the offer was no longer available and knowledgeable that they had in fact received my messages. The person I spoke with said their client was behind the offer, he then told me the offer on the table is XXXX XXXX, which is much more than the offer I was offered, accepted, and responded to in the correct window.
Product: Credit reporting or other personal consumer reports

XXXX has violated consumer law 1681 ( b ). At this moment I am not able to leave my home so I decided to dispute online. XXXX immediately locked me out. I called verified my identity and they are saying I will only be able to dispute by mail but they are not willing to giving me access to the portal to get an updated report to be able to dispute properly. Please see attached documents and consider this. They should be ashamed for hindering consumers from exercising their rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Request for Credit Dispute Resolution Dear Experian, I hope this letter finds you well. I am writing to formally dispute an item on my credit report. I am also disputing the address is outdated and should be removed. Upon reviewing my recent credit report, I noticed that the accounts listed below contain inaccurate or incomplete information that may be negatively impacting my credit score. The details of the disputed item ( s ) are as follows : Account Name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
Discrepancy : I am requesting to dispute any negative items, so as for inaccuracies in payment history, to have them corrected or removed. I kindly request that you investigate this matter, correct any inaccuracies, and provide me with an updated copy of my credit report once the dispute has been resolved. As per the Fair Credit Reporting Act, I understand that you are required to investigate disputes within 30 days. 
Please find attached any supporting documentation that verifies my claims, including. 
I would appreciate your prompt attention to this matter. If you require any additional information or have questions, please dont hesitate to contact me at XXXX or via email at XXXX. 
Thank you for your time and cooperation. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The 3 major bureaus held my information and incorrectly and improperly used my information causing me to be denied employment and housing. 
XXXX XXXX _ XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Date of Birth_XXXX XXXX XXXX  RE : Investigation Request to Delete Credit Inquires To whom it may concern, This is my 3rd and final request!!!!! 

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. I did not give permission to any of Thea creditors to release my information if I was to have an open account with them. You are in violation of the FCRA. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX XXXX  Account number XXXX Amount {$17.00} XXXX XXXX XXXX XXXX Account number XXXX Amount {$1100.00} XXXX  XXXX XXXX Account number XXXX Amount {$300.00} INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : 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 Also please update the following information which I saw your credit bureau to be missing or incomplete : Please remove this incorrect employment information Precision Response XXXX XXXX REMOVE INCORRECT PERSONAL INFORMATION Name : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the following personal information that is showing for me which is incorrect Incorrect Address * 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 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 I am allowing you 10 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results If not I will be seeking legal advice and filing a complaint with the FCC and CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my credit report from TransUnion and notice that there were a few inquires that I didn't recognize or authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX via XXXXTransUnion XXXX XXXX XXXX XXXX XXXX via TransUnion XXXX TransUnion XXXX XXXX XXXX XXXX   TransUnion XXXX XXXX XXXX via XXXX XXXX TransUnion 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 these listed above are the inquires that are unauthorized and unrecognizable. I called and spoke to a representative and he stated that there was nothing that he could do to help me. I put a fraud alert on my credit report for XXXX, XXXX, XXXX for reasons such as this. I would like to have these inquiries removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NA # XXXX, XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  bankruptcy dismissed # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. CHILD SUPPORT ENF AGXXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this formal complaint against Experian for failing to block fraudulent items from my credit report that resulted from identity theft. Despite my compliance with all required procedures, Experian has refused to take appropriate action and continues to report inaccurate information, violating the Fair Credit Reporting Act ( FCRA ).

Background of the Issue : I was a victim of identity theft and submitted the required documentation to Experian, including : A police report detailing the identity theft incident.

A report from the Federal Trade Commission ( FTC ) XXXX. 

Supporting reports from the Internal Revenue Service ( IRS ). 

Copies of my identification, proof of address, and any additional documents requested. 

Experian responded by stating that my law enforcement report was not valid because it was online-generated and allegedly not received by a law enforcement agency. However, my police report was properly filed and should be recognized as an official report under the FCRA. Despite providing all required documents, Experian refuses to block fraudulent accounts and transactions that resulted from identity theft. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block fraudulent information on a consumer 's credit report upon receipt of a valid identity theft report. XXXX refusal to do so is a direct violation of federal law. 

Additionally, Experians failure to acknowledge my submitted reports despite multiple attempts raises serious concerns about their dispute-handling process. The FCRA mandates that a credit reporting agency must conduct a reasonable investigation into a consumer dispute, which Experian has failed to do.

Requested Resolution : Immediate removal of all fraudulent accounts and inaccurate information from my credit report as mandated by the FCRA.

A formal acknowledgment that my identity theft report and supporting documents were received and processed in compliance with federal regulations. 

A thorough investigation into XXXX refusal to block fraudulent items due to identity theft, as this is part of an ongoing pattern of misconduct. 
Assurance that Experian will comply with federal laws and take proper action on valid identity theft claims without unnecessary delays or rejections.

I have made multiple good-faith efforts to resolve this matter directly with Experian, but they continue to disregard my legitimate claims. I urge the CFPB to intervene and ensure that Experian complies with federal consumer protection laws.

Thank you for your time and attention to this matter. I look forward to your prompt assistance in resolving this issue.
Product: Debt collection

In 2014, we fell behind on making a credit card payment. We were contacted by AllianceOne. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX. At this time, I calculate that we have paid them over {$11000.00}. However, on my credit report it shows that I only make a monthly payment of {$460.00} per month and the account has also been marked as closed. However, I receive a statement from XXXX XXXX XXXX XXXX monthly, and it shows they are still charging me interest. How can this be when the account has been closed and charged off? I feel that they are not applying my money in an appropriate manner so that this may be paid off quicker. While I do agree that we were behind and we owe this debt, I feel they are being unfair in the collection process. Thank You.
Product: Checking or savings account

On XX/XX/XXXX I sent a XXXX  payment of XXXX, cash payment XXXX final payment of XXXX. On XX/XX/XXXX XXXX to XXXX XXXX of XXXX. ga XXXXfor purchase of XXXX XXXX XXXX XXXX XXXXtotal of XXXXrecieved key and bill of sale ... .upon trying to register trailer I was told vin was not valid ..but because I knew his father Judge XXXX XXXX was magistrate Judge of county and XXXX  was also in his personal property I contacted the recepients XXXX XXXX XXXXfather ..judge XXXX to help resolve tag and title issue.XXXX was call was called back by the the sherriff of this county and informed that XXXX XXXX had died and that the camper was not his but his Uncles..XXXX XXXX..I did not think it was appropriate at that time to address my XXXX loss..but did email sherriff and notify bank of issue ... i was informed to do a self help form with XXXX fraud by my bank first horizon.. I offered to support my claim with police report..bill of sale..etc..XXXX  nor 1st  horizon asked for any supporting XXXX a denial of claim because recepient had a stand alone XXXX  app that was not attached to a bank ..and neither XXXX or 1st horizon  had a platform to address claim..nor was transaction consumer XXXX
Product: Checking or savings account

I am scheduled for closing on a new home on XX/XX/2021. On XX/XX/2021, XXXX setup a wire transfer from my Citi Bank savings account for a significant amount for the closing. I was called by Citi Bank to verify my transaction. One of the questions asked was what year my stepmother was born. I have not lived with her for 20 years, and my dad hasn't even been married to her for over 10 years. I had to call my dad to get the answer. 

Citi Bank failed me for the verification process for taking too long to answer. They refused to give me another opportunity or way to verify myself and they flagged my account for fraud. The account is now " under review '' and there is nothing whatsoever that I can do to get the funds. Citi Bank refuses to let me speak to anyone that can help, and just tells me I have to wait for them to clear it and there is nothing whatsoever I can do. I can not even go into a branch and get a cashier 's check because ( a ) there is no branch location or affiliated bank in my state of Colorado and ( b ) they say that even if I do FLY into a state where there is a branch location, that I can not get the cashier 's check because there is a hold on my account. 

Citi Bank is literally holding MY money hostage. This is MY MONEY and I am willing and able to do whatever to verify myself. They refuse to talk to me and help me. I need help immediately.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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 inconveniences and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

XXXX-target continues to verify their account on my XXXX credit report even though I have reported to them through all XXXX credit reporting agencies, that fraud existed on their account. I have included XXXX police reports with my identity theft disputes. XXXX police report is from XX/XX/XXXX when I noticed that identity theft had occurred, while I was out of the country. The XXXX report was filed XX/XX/XXXX to continue to investigate identity theft, as my license had been used in traffic violations. 

Target reported in XX/XX/XXXX, through CFPB that my account was at a XXXX balance until XX/XX/XXXX, at which time, fraudulent activity was made on my account. 

The account must be removed from my XXXX credit report. My target account was withdrawn from my XXXX report, & blocked from my XXXX report.
Product: Debt collection

Personal Statement FTC Report Number : XXXX There in breach of 15 U.S code 1635, 15 Usc 1692g and 15 us 6802. Im apart of Equifax data breach .. this is my statement of information that these accounts and addresses were done fraudulently. they have been reported without my express written consent. and therefore is identity theft and must be removed. 
These account transactions are not done be me or made by me the consumer and must be removed. i have pervided a police report also. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX