23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I applied for a refinancing loan from a website through XXXX XXXX by the name of AUTOPAY on XX/XX/2021. I provided all of the required information to loan officer XXXX XXXX ( XXXX ) online. I was sent a package through docusign for all documents to be signed printed and have notarized. I repeatedly asked was the loan approved. She ( XXXX XXXX ) reported yes and this is why i had to get power of attorney for title transfer notarized. I later called because i wanted to know when they was gon na pay off the old loan and assume the new loan. At this point i was told they needed more check stubs. I get paid monthly on the XXXX and had already given the stubs for the prior two months. I explained I would not have another stub until XX/XX/2021. She insisted the lender needed another stub immediately or the loan would be denied. How can i provide something I don't have until I am paid on the XXXX? I explained and asked why do he need another stub? I provided tow months prior and I have to wait on pay day to provide XX/XX/2021. I also stated i have bank statements, w2 for prior year and I don't understand why they needed something I don't have until payday. I was asked to send information I have not receive myself ( Check stub XX/XX/XXXX ).
Product: Debt collection

I have been harassed by Jefferson Capital for over a year now. Dozens of times I have disputed with the credit bureaus to no avail. Jefferson Capital does not do any sort of research except send the same story back stating that this " debt is valid '' They are saying that I owe a debt and this debt was sold to them by a company. I have no idea what company or what this debt is, and I do not owe it. I have never seen anything other than dozens of letters from Jefferson Capital demanding payment and then threatening civil action. This has crushed my credit score as well. Recently, I have received over 15 letters from local attorneys in the area asking to represent me since I am apparently being " sued '' in civil court in the county I live in, once again for a debt I have no knowledge of and one I do not owe. Since I was getting nowhere with the credit bureaus, I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX sent my complaint to Jefferson Capital, where once again they did not do any sort of research into anything or supply me with any sort of valid paperwork. Instead, they sent a letter stating " our records reflect that the account is currently the subject of a lawsuit Filed on XX/XX/2022, pending in XXXX XXXX XXXX XXXX as case number XXXX. As a result, this matter is beyond the purview of the XXXX  and we request this complaint be dismissed '' For the 20th time, they didn't do anything but ask for a complaint to be dismissed so it wouldn't go on the XXXX  webpage, permitting Jefferson Capital from just continuing to threaten and have actually started legal action against me. 

Today, I received a letter in the mail asking to contact XXXX XXXX XXXX XXXX section to pick up papers I am being served. 

This has to be one of the most predatory Collections practices I have ever seen. 

I now have been sued in local court for a debt I do not owe and have been bombarded by lawyers asking to represent me for this upcoming case. 

I am also being threatened with garnishment of wages. I am a 100 % percent XXXX veteran. I have my XXXX benefits and my XXXX benefits as sources of income and that is it. 
The amount of stress this has added to my life is astounding. Upon research, this appears to be the norm for Jefferson Capital as they are the recipients of dozens of lawsuits for their " collection practices. The complaints have many things in common and this " company '' is disgraceful. Harassment is just what they do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I was notified by XXXX XXXX a hard credit inquiry was just made by XXXX XXXX XXXX to Equifax. 

I have never done business with XXXX XXXX XXXX. I did NOT authorize this hard credit inquiry. 

I pulled a copy of my Equifax report and saw the inquiry. I have attached the page of the report showing the inquiry. 

I called XXXX and they advised I call Equifax. I did an online dispute with equifax. I have attached a the initial inquiry response. 

On XX/XX/XXXX Equifax advised they reviewed my dispute and will not remove the inquiry. They advised XXXX XXXX XXXX could remove the inquiry. They further stated XXXX could electronically remove the inquiry. 

I called XXXX again on XX/XX/XXXX. A manager informed me XXXX would not and could not remove their inquiry. He assured me he has handled 20 different  complaints such as mine and they could not remove the inquiry. He suggested I call Equifax. He did confirm I did not have an account at XXXX. He could not confirm I authorized them to run my credit. 

I called equifax and they said XXXX must remove the inquiry.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX 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 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 those accounts 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 XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( 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
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation of my credit report and found several items on the report that were inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : XXXX XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX This account is being reported inaccurately, please remove it from my account. 

XXXX  XXXX  This account is being reported inaccurately, please remove it from my account. 

XXXX  XXXX This account is being reported inaccurately, please remove it from my account.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft repeatedly since XXXX data breach I have been in multiple data breaches where all my information has been released all of my information and has been used for many inquiries and accounts therefore I have creditors and debtors and collection agencies after me that I've never been involved with in any way I have not used my credit my personal credit since 2010
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 15 U.S.C 1681. 

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 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 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 other 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My husband was contacted by XXXX from IQ Data International on his work phone in the middle of a work day. He then asked her to speak with me as I do the finances. XXXX then proceeded to ask him several questions regarding how much money he makes, how much money I make, the price of our mortgage. My husband repeatedly asked her to reach out to me, XXXX then put him on a hold to see if that could happen while she consulted with her manager. Her manager then threatened my husband with an evasion of debt if we didnt respond in one hour and persisted he stay on the line. My husband disconnected the call as he was in the middle of his job. I then contacted IQ Data after my husband informed me of this and was transferred to XXXX. XXXX was extremely unprofessional in her mannerisms as I asked her to verify the debt, she accused me of not changing my address upon moving. Given her tone, I asked to speak with someone else, XXXX refused to transfer me initially. It took several times of asking to speak with someone before I was finally transferred to a voice mail. I then left a voice mail stating I would be interested to discuss this with someone other than XXXX and to return my call. Nobody ever returned my call. I tried several times to contact that office throughout the day and the phone line would just disconnect.
Product: Debt collection

I was contacted on XX/XX/2018 by someone claiming to have a claim in his office which is DNF Associates about an old auto loan/ repossession from phone number XXXX which he said I needed to call by XXXX the following Monday are legal action would be taken but when I called the number back it was not a working number. He threatened that if I did not take care of this matter that day legal action would be taken against me I told him I was not sure of this debt he claimed to had and he continued to harass and even laugh at me about the situation. Even informed me that I had a XXXX credit card and that I needed to use that to pay him that he saw it had a nice size available balance that they would accept after he said he found it on my credit report even mocked me for disputing information on my credit report. I explained to him that I had to look over information and finances and I let him know I have never received any information from him are his company. I contacted the original creditor they gave me the name and number of XXXX XXXX at XXXX.She informed me that DNF Associates  was not suppose to contact people that they are suppose to use out side sources to do so. This debt is reporting incorrectly I was never informed by the original creditor that the car was being sold are detailed information about the debt they claim that is left over from the sale of the vehicle.
Product: Credit reporting or other personal consumer reports

EQUIFAX XXXX XXXX has used my credit report improperly and without my verbal or written permission, further violating my FCRA RIGHTS. EQUIFAX was sent a dispute by me on XX/XX/year> for the item XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR - XXXX XXXX - AMOUNT XXXX. I sent in an FTC identity theft form fully filled out with all the information along with all of my identifying documents. EQUIFAX REFUSED AND DENIED MY BLOCK REQUEST. this is becoming a pattern for EQUIFAX to not properly investigate my claims and block my requested item within 5 days of the FTC id theft dispute. EQUIFAX sends me notices every time i submit a id theft report, thats states they are denying my request. Even after multiple disputes both mail and online, multiple phone calls and XXXX or more id theft reports EQUIFAX INTENIONALLY REFUSES to honor this goverment document and is still allowing this company access to my personal credit file after i requested this company be blocked and all reporting cease immediately. Recently on XX/XX/year> EQUIFAX recieved my XXXX dispute via certified mail along with an FTC ID THEFT REPORT TO BLOCK THE ABOVE MENTIONED ITEM. IT HAS BEEN ONE WEEK AND EQUIFAX HAS NOT BLOCKED ITEM PER FEDERAL LAWS, AND THEY HAVE NOT HONORED THE FTC ID THEFT REPORT ONCE AGAIN. INSTEAD EQUIFAX HAS INITIATED ANOTHER 30-60 DAYS DISPUTE ON THE ITEMS, TREATING IT AS IF IT IS A NORMAL DISPUTE AND IT IS NOT IT IS IDENTITY THEFT. MY FCRA LAWS ARE BEING VIOLATED AND ALSO MY PRIVACY IS BEING VIOLATED. I REQUESTED A METHOD OF VERIFICATION OF THE VERIFIED ITEM AND I WAS TOLD BY EQUIFAX THAT THEY WOULD NOT PROVIDE THAT INFORMATION, INTENIONAL NEGLECT, AND WILLFUL VIOLATION OF FCRA 611. EQUIFAX IS ALSO IN VIOLATION OF MY PRIVACY LAW PER FCRA
Product: Credit reporting or other personal consumer reports

My credit report has some inaccuracies regarding late payments. These entries do not reflect my typical payment behavior. I request that these errors be corrected and my account updated.
Product: Debt collection

National Credit Systems, INC-Debt Collection Agency Current Creditor ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} I read a letter that was dated XX/XX/2020 from National Credit Systems , Inc stating that I owed the Current Creditor the balance above, the letter was an attempt to collect a debt. The letter stated in bold letters of my rights to notify National Credit Systems in writing within 30 days of receiving the notice my dispute of the validity of the above debt and that National Credit Systems , Inc would obtain verification of the debt or obtain a copy of a judgement and mail a copy of such judgement or verification ... .. and that the office would provide the name and address of the original creditor. 

On XX/XX/2020 the day I received the letter, I wrote and mailed first class a letter to National Credit Systems , Inc. disputing the validity of the debt, I stated that I do not owe for a carpet replacement in the amount of {$1400.00} and that all that I believe I owe the apartments was around {$55.00} dollars for a light bill. I stated that I have a video of the apartment when I moved out that shows that the carpet and apartment was left clean and in good condition. On XXXX XXXX I read another letter from XXXX XXXX XXXX XXXX XXXX stating that I did not make suitable arrangements to resolve the above-referenced debt and that they would soon report the account to one or more of the consumer reporting agencies and still requested a payment from me. On XX/XX/2020 the day I received another letter from National Credit Systems , INC, I immediately called and spoke with the Collection Representative named XXXX XXXX @ XXXX @ XXXX, I told her that the apartments and charges are in dispute, I told her that I have video proof that I do not owe to replace the whole carpet and that all I owe is a water bill that's around {$55.00}, she said ok and she would note the account. Today. XX/XX/2020 I received an alert from XXXX stating that I have a MAJOR DEROGATORY DEBT FROM National Credit Systems that was reported on XX/XX/2020 and opened for 3-months..XX/XX/XXXX.which instantly dropped my credit. So, I called XXXX XXXX and spoke with her, I told her I never received any type of documentation from them regarding the validity of the charges or debt nor did I receive a copy of the judgement in which the letter stated I would in bold. XXXX XXXX was shocked and at a lost of words, she read her notes and saw my dispute letter, she also saw an email from XXXX XXXX on XXXX XXXX where all they provided was a copy of the lease and not walk-thru information or any validity of the debt according to XXXX XXXX. National Credit Systems violated my rights and never provided the proper documentation to prove the disputed debt, instead they looked over my dispute and added the debt to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the fair credit reporting act, this credit has violated my rights. Under XXXX5 USC 1681 section 602 states I have the right to privacy 15 USC section 604 a section 2 a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a credit may not treat a payment on a credit card account under an open end consumer plan as late payment for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian, XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding multiple unauthorized credit inquiries on my credit report, specifically from XXXX XXXX XXXX XXXX XXXX  ( appearing twice ), and XXXX XXXX. I did not authorize these inquiries and believe they result from identity theft.
Product: Credit reporting or other personal consumer reports

My credit score recently dropped by XXXX points, as shown in the attached document. I have two Amex credit cards, each with a {$1000.00} limit. Last month, my balances exceeded the limits, causing a negative impact on my credit score due to high usage. Ive since made payments to bring both cards back within their limits. However, despite making regular payments, I was hit with a XXXX score decrease, which feels unfair, especially as this impacts my ability to secure financing for a home.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a certified letter was sent to the Michigan Child Support Agency requesting all the accounting information for this alleged debt, requesting a cease and desist until all the allegations have been investigated thoroughly and the removal of any and all information that doesnt align with accurate reporting of my report. No action has been taken by the Michigan Child Support Agency. Several attempts have been made by phone to remedy this situation with No Resolve. Experian is currently reporting inaccurate information about me that has and is costing my loan and job opportunities. This inaccurate reporting of my credit report violates FCRA 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i, Privacy Act of 1979 and several other federal codes as well but not limited to only them.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

I have accounts that's reporting on my credit report inwhich I have absolutely no knowledge of and respectfully requesting that they be blocked due to them obviously being someone else 's. And in accordance with the FCRA law, I'm requesting physical documentation with dates and signatures to collaborate what the agencies are reporting. So what I'm saying here is that I have no contract with the following companies ( 1 ) XXXX XXXX XXXX for {$120.00}, {$120.00}, {$1000.00} ( 2 ) XXXX XXXX XXXX, {$1000.00} ( 3 ) XXXX   XXXX XXXX, {$920.00} Please Block All the above accounts or send me physical documentation of such.