23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against [ Jefferson Capital Systems , LLC ] for violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that [ Jefferson Capital Systems , LLC ] placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with [ Jefferson Capital Systems , LLC ], including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that [ Jefferson Capital Systems , LLC ] provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If [ Jefferson Capital Systems , LLC ] is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 

The date on my consumer report indicating that I opened an account with [ Jefferson Capital Systems , LLC ] is blatantly false. I neither received any services or products from [ Jefferson Capital Systems , LLC ] nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 


The actions of [ Jefferson Capital Systems , LLC ] constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 

Please keep me informed about the progress of this complaint, and I appreciate your attention.
Product: Payday loan

I feel am being over charged. I had made payment arrangements to the lender. I refinance your loan at higher interest rates than the original request. In efforts to payoff the loan. I keep receiving emails that I am behind. but every two weeks a payment has been drafted from my account. After I make payment I get a collection letter stating no payment was made. Calling this agency the representives are rude, they hang up or curse at you.
Product: Debt collection

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

Also, I request deletion of all fraudulent items and information within 30 days pursuant to FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Collection XXXX XXXX  Balance Owed : {$1100.00} XXXXXXXX XXXX  XXXX Owed : {$730.00} XXXX XXXX XXXX Owed : {$370.00} XXXX Balance Owed : {$10000.00} XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collection XXXX XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX  Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed XXXX {$10000.00} XXXX XXXX Balance Owed XXXX {$150000.00} EQUIFAX Inquiry XXXX XX/XX/XXXX Collection XXXX Balance Owed : {$1100.00} XXXX Balance Owed : {$730.00} XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$10000.00}
Product: Money transfer, virtual currency, or money service

XXXX Zelle Money Transfer XX/XX/XXXX, {$750.00} Security Deposit, took the money and started asking for more and then became quiet when I said no. 

Receivers Name : XXXX XXXX Name : XXXX XXXX City : XXXX State : Georgia Zip code : XXXX Have an email thread. 
Looking to get money back.
Product: Credit reporting or other personal consumer reports

In early XX/XX/year>, I discovered two unauthorized credit inquiries on my Equifax credit report. These inquiries were from XXXX XXXX, dated XX/XX/year>, and XXXX, dated XX/XX/year>. I did not authorize these inquiries, and I believe they are a result of identity theft. 

In response to these unauthorized actions, I filed a police report detailing the identity theft incident and promptly contacted Equifax to dispute these inquiries. I have provided all necessary documentation, including a copy of the police report, and requested an investigation into these matters. 

As of now, I am seeking the removal of these unauthorized inquiries from my credit report to correct the damage caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA.The account below has violated my federally protected consume rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  # XXXX has violated my rights to privacy. 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.15. USC 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( XXXX ) 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: Mortgage

I HAVE A CONVENTIONAL MORTGAGE THROUGH PHH MORTGAGE. I WAS GRAVELY ILL WITH TWO ( 2 ) BOUTS OF XXXX  WHICH LEFT ME WITH MAJOR MEDICAL ISSUES, XXXX XXXX AND XXXX. I APPLIED FOR A LOAN MODIFICATION UNDER " CARES '' AND REQUESTED A MODIFICATION WITH FOREBEARANCE AND A LOWER MONTHLY MORTGAGE PAYMENT. 

PHH GAVE ME A 3-MONTH " TRIAL MODIFICATION '', WITH A MUCH HIGHER MONTHLY PAYMENT WHEN I WAS BARELY BACL TO WORK. TALKING TO THEM, THEY SAID THERE IS NOTHING ELSE THEY COULD DO AS THEY WERE " ADDING THE ARREARS PAYMENTS '' TO MY MORTGAGE NOW!!! AND MAYBE HIGHER AFTER I PAY THE LAST OF THE THREE TRIAL PAYMENTS. 

I AM STILL VERY ILL AND CAN NOT PAY THE $ XXXX PAYMENT. I HAVE TRIED TO WORK WITH THEM TO ALLOW A LOWER PAYMENT OR BETTER MODIFICATION. THEY SAID NO -- SELL THE HOME. 

IT IS MY FAMILY HOME OF XXXX -- WE HAVE TO STAY. I CAN PAY {$4000.00} MAX BUT NOT THEIR MUCH HIGHER PAYMENT THEY ARBITRARILY GAVE ME...
Product: Credit reporting or other personal consumer reports

1, XXXX XXXX XXXX XXXX, am writing on my own as a natural person and consumer who is a victim of identity theft, I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law.

This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy rights.

Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf. and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer.

Please delete the following items from my credit report immediately Addresses Collections Names Inquires Accounts These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws Thank you for your immediate attention to this matter. I look forward to your timely response. 
XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I was told by my loan provider, FedLoan Servicing, that the payments I made on my loans during the Covid pandemic were eligible to be refunded. I requested a refund on XX/XX/2022, to help out with my finances. Fedloan said that it would take around 10-12 weeks. In about that time frame, the amount I paid on my student loans during the pandemic ( XXXX ) was added back to my loan balance but I have yet to receive the refund ( its been over 6 months ). I have called repeatedly since then asking why I havent received the refund and have basically been told a different thing every time I call. My loans have now been transferred to XXXX and Fedloan will no longer exist after XXXX. I asked repeatedly for documents detailing what I am owed and never received them from XXXX. I am so worried that I have just added XXXX to my loans that Ive already paid. I really need my refund, and Im at a loss for what to do.
Product: Credit reporting or other personal consumer reports

I have been identified as a victim of XXXX that has resulted in XXXX XXXX and affects my consumer report. As a XXXX of XXXX XXXX or XXXX XXXX, you have RIGHTS. Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your Background Check attributable to trafficking may be BLOCKED from XXXX XXXX reports ordered by future employers, volunteer organizations and landlords.
Product: Debt collection

The account in question is from a debt collector. I have never had a contract with this agency, and i have informed them as such. I have sent several letters to XXXX in reference to this account. I have asked for any documentation showing that I owe this debt, along with any documentation with my signature on it, and have yet to receive anything at all. They do continue to send me a credit report stating that the account has been verified without supplying the information requested. I might also add that the other two credit reporting agency 's, ( XXXX and XXXX ) deleted the inaccurate information when they could not supply the documentation. I ask XXXX to do the same. 
This debt collector also changes the amount of the debt each month. 
Debt collector : CAPITAL ACCT Acount # : XXXX Original Creditor : XXXX XXXX
Product: Mortgage

The Mortgage company caused me financial hardship then they block me from protecting my investment by blocking me from making payment and refusing payment while I was with in my grace. the extended lock out allowed a negative escrow to grow then they started modification process but since I had one last year they are unwilling to correct the error they caused, I pray I am not going to loose my home as a result of the mortgage companies inadequacies. I would appreciate any assistance we intend to stay in our home. but feel they should modify this error they caused so we can continue to pay the agreed amount granted to us in XX/XX/2019 after they had botch the modification we were granted last fall they had to go back in because they left out the our impounds account from that past modification in error, it took them a while to correct that they got it al corrected then this issue happened. they keep coming up with different past reasons for why they wont current they payment issue, if they would have collected the payments then it would not be a large amount owing now, since they obstructed my rights, by not taking the payments I am writing this complaint. that is predatory and an attempt to rob us of our equity in the home which is over 150K we owed XXXX before the botched modification last fall that _ where they left out the impound accounts- they corrected in the summer. we now owe XXXX but instead of paying the agreed payment XXXX XXXX XX/XX/19 they changes it to XXXX fall XXXX then supposedly after they fix they escrow issue we paid this even though it above the workout agreement. next I sign up for auto pay at my credit union and sent two payments by mistake. I called then told them to only cash one. they ran them both. then after that they refused all payments. I was not even late I was with in my 30 day cycle. it became late because they were asking for like a triple payment in a lump sum or nothing., then they refused payment- so they caused this issue by refusing the payments, then not taking ownerdhip of the error then blaming me as if I didn't have funds to cover the payment. I sent them proof I had funds, sent them proof of there error. they have so many different people calling and handling the account it is a total mess. the dedicated point of contact does not answer incoming calls. and is for all intents and purposes unreachable as far I I am concerned, please see my attached correspondence and documentation to validate my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had called the credit bureau, XXXX, about there being a hard inquiry that I did not authorize nor have heard about until it showed up in my account. They said I can call the company that I am disputing about to ask if they can send some documentation stating it was a mistake or an error and for me to take that letter and send it through mail to XXXX to have it removed. However, I had called that company and did as such, yet, the company could not find any records of my information. However, the hard inquiry was there since XX/XX/2021 and it is currently XX/XX/2021. The company had told me to recall XXXX and explain what happened and so I did again and they said to write a request through the FTC department or file a police report and send a copy to XXXX 'XXXX  po box with my information so they can remove it after. I am here now and am stressed with going back and forth between the companies and phone calls and would just like it to be handled correctly.
Product: Vehicle loan or lease

In XX/XX/XXXX, due to a temporary financial hardship, I requested for extension and reduction on loan payment until I bounced by financially.

I was unsuccessful in getting that request approved. This resulted in 2 30 day late reportings on my credit back to back for the month of XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6100.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 and XX/XX/2022, XXXX separate unauthorized XXXX transactions were transferred out of my Wells Fargo account to someone who I don't know ( XXXX XXXX - XXXX ). Each transaction was {$1000.00} each for a total of {$2000.00}. 

I notified Wells Fargo on XX/XX/2022 of the fraudulent activity. They told me they would look into the claim for the next several weeks, however they ended up denying my claim saying that I authorized them. I did NOT authorize these transactions. Wells Fargo assumes that I did. On XX/XX/2022, I had to have my bank username, password, and account number changed because my bank account was hacked the previous week. Due to my bank account being hacked, the culprit sent themselves {$2000.00} total saying that I knew them. I do not know them and I DID NOT AUTHORIZE these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give these people permission to ran my credit. Ive asked them to remove them and they are still on my credit. What can I do? 
Hard Inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies   XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX  Inquiry : XX/XX/XXXX Mail Order Firms Contact the inquirer : MAIL ONLY XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks XXXX/XXXX  Inquiry : XX/XX/XXXX Bankcard XXXX/XXXX  Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXXXX/XX/XXXX Inquiry : XXXX. XXXX, XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX XXXX  Inquiry : XX/XX/XXXX National Credit Card Cos. 
Contact the inquirer : MAIL ONLY XXXX   Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX AUTO FINANCE Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX   Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX  Inquiry : XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX/XXXX Inquiry : XXXXXX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXXXX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX  XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX/XXXX  XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX RENT   Inquiry : XX/XX/XXXX Real Estate and Public Accommodations ( XXXX ) XXXX Thank you so much.
Product: Debt collection

I have filed a complaint against Resurgent/LVNV Funding before over this issue. However, The Original creditor has provided me with all documentation needed and new information has come to light. XXXX XXXX sent me Statements for 3 account. in actuality, It was only two account, but the third account links the first one that is held with Resurgent and the second one that is held with XXXX. ( I included the first 3 pages of each account. 

And I do remember now exactly what had happened. I stopped paying the account held with Resurgent over fraudulent charges and XXXX XXXX did not provide any help in resolving the matter, so I had the account closed and told I would still owe the balance, I only had the account opened for about 14 days. I later re-applied with XXXX  XXXX, but the only way to do that was to pay the original balance off I had with them, but since the first account was closed they created a 3rd account and initiated a balance transfer from the account XXXX XXXX sold to LVNV Funding LLC. and to the account that was sold to XXXX XXXX XXXX. 

If you put the first page of each Statement for all three accounts from oldest to newest. you will see the middle account was used to transferer the balance from the 1st to the second account. The debt Resurgent is attempting to collect on behalf of LVNV Funding is invalid. I understand that XXXX XXXX pulled a fast one on both of us. But you purchased the rights to a debt that never existed and I am in no way legally responsible for that.. 

I understand that you didn't have knowledge and could not have known. However, now you do know. So I request that LVNV Funding LLC immediately withdraw the debt, cease all collection efforts and remove in its entirety all reporting of this account to all three Credit Bureaus. Knowingly attempting to collect a debt not legally owed is violation of Federal, State and local law. and you are now made aware of the legality over the debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.