23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an account with this creditor. Inaccurately reporting account is open. 


XXXX XXXX XXXX Last reported XX/XX/2022 {$680.00} Open balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I tried calling equifax to dispute items on my credit report and the Representative refused to dispute and item as requested I was told that the only items that I can dispute on my credit report was negative items that I was unable to dispute anything else. I was also told that Equifax had laws that prevented me from doing so. When I asked to speak to a supervisor she also refused to dispute the item. I told them both that it was my right under the FCRA told dispute what ever I felt was incorrect on my credit Report and they both refused when I told them they were breaking the law and violating my rights they both didnt seem to understand that. I called back to complain the person who took that call was clueless as well I disputed items with XXXX  and XXXX  today without a problem. Ive also requested a credit report from Equifax and never received it. And I was unable to file my dispute over the phone I was told to do it online.
Product: Debt collection

-- - [ XXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : Formal Complaint and Demand for Compensation** Dear Jefferson Capital Systems LLCXXXX XXXX XXXX , I am writing to formally address your attempts to collect a debt that I do not recognize and for which I have not entered into any agreement or business dealings. I have received two correspondences regarding an alleged obligation of {$620.00} attributed to your agency. However, I must inform you that this account is significantly past the allowed reporting and collecting timeframe under the Fair Credit Reporting Act ( FCRA ).

According to the FCRA, debts typically have a reporting limit of seven years from the date of default. Your claim originates from XX/XX/2017, which is well beyond the permissible period for reporting and collecting such debts. Continuing to pursue collection of this alleged amount not only constitutes an unauthorized collection but also represents a further breach of my rights. 

Moreover, neither agency is unlicensed to operate as a debt collector in both South Carolina ( SC ) and Georgia ( GA ), further compounding the violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Federal Trade Commission ( FTC ) guidelines.

**Demand for Compensation : ** As a result of these violations, I am demanding compensation for the following : 1. **Emotional distress and damage to my reputation** due to your unwarranted collection efforts.

2. A demand amount of ** $ XXXX ( XXXX the alleged debt of {$620.00} ) as compensation for the illegal collection attempts.

3. An additional ** $ XXXX for damages incurred from XX/XX/2017, to the present due to the unauthorized collection and the negative impact on my financial standing. 

This demand aligns with the remedies available under the FDCPA, which allows for statutory damages, as well as the rights provided by the FCRA to protect consumers against outdated and irrelevant information affecting their credit. 

Please consider this a formal demand to cease all collection activities related to this alleged debt. I request written confirmation within ** [ 14 days ] ** that you will no longer pursue this debt. Failure to respond adequately or continued attempts to collect this debt will leave me with no choice but to report your conduct to the appropriate regulatory authorities and pursue legal counsel. 

Thank you for your prompt attention to this matter. I expect to hear from you soon. 

Sincerely, [ XXXX XXXX XXXX ] ---
Product: Credit reporting or other personal consumer reports

I am writing to dispute the fraudulent accounts currently appearing on my credit report. Despite sending you my previous dispute letter and the required documentation to the Federal Trade Commission ( FTC ) as per your requirements, these accounts are still being reported on my credit report. I have contacted the creditors associated with these accounts, and they have acknowledged the fraudulent nature of these accounts so the accounts were already removed from XXXX and XXXX. I have also provided the creditors with all necessary documentation to support my claim. Please remove these accounts from my report : DEPT OF EDUCATIONXXXX XXXXXXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my report today and I noticed some inquiries that I am not aware of as you know reporting inaccurate information on my report is against the FCRA and I asked that it be removed immediately Im trying to do my best with taking care of my girls Inquiries : XXXX XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey so theres like XXXX unauthorized and unknown inquiries on my credit. I dont know who is inquiring about things on my credit but I am not doing any of these. I have my car note, my Open carry weapon loan, my XXXX credit cards and self. Thats it. So all of the other stuff? Im very confused as to where it came from and I believe its fraud
Product: Credit reporting

On my Experian credit report, my address is listed incorrectly as XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX. 

Also, Experian continues to incorrectly report that there is a judgment against me by XXXX XXXX in the amount of {$1600.00}.
Product: Debt collection

XXXX XXXX XXXX allowed me to register and get books on financial aid. Two days after class started, they decided not to allow me to use financial aid after I have purchased books on my financial aid. They refused to take the books back and stuck the balance on my credit.
Product: Money transfer, virtual currency, or money service

Coinbase shows that the transaction was completed at coinbase side, but i did not receive it in my wallet which is also a coinbase wallet. Conbase has been giving me a run around, provides for phone numbers that does not work [ which by the way is on their website ] and refuses to locate my funds disappeared by coinbase. This is supposed to be a nasdaq publicly traded company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt collector falsely reported that i made a payment of XXXX $ to keep my account active. Maybe to restart the clock on when it is inactive? 

The company who owns the debt is iq data international
Product: Mortgage

On XX/XX/XXXX, PennyMac received a payment in the amount {$4800.00} from HAF. When they received this payment, they were supposed to apply that amount to my past due balance of {$4800.00}. Instead of applying the funds as such, PennyMac took only {$1500.00} of that money and applied it to the monthly payment and then they took {$2900.00} and applied it to principal reduction and then applied {$340.00} to late fees. I spoke with PennyMac and told them that when I spoke to a manager at HAF, they told me that they never told them to apply the funds that way. That money was specifically for the past due balance and then they sent {$1500.00} every month after for 18 months to cover my mortgage payment. I spoke with a manager at HAF again and he told me to file a complaint with CFPB because PennyMac is not being honest with the money that they received for my mortgage payments. I would like a full investigation to be done because when looking at the payment history, it shows that PennyMac applied funds to principal reduction instead of my regular monthly payment MULTIPLE times. I would like the money that was supposed to be applied to my mortgage payment to be applied correctly and immediately. PennyMac is showing that I am behind on my mortgage payments due to their negligence on applying the funds the correct way.

I also spoke with HAF and they told me to send them proof of PennyMac saying that they applied the funds the wrong way. I also sent PennyMac a letter from HAF stating that those funds were specifically for my mortgage payment. 

I spoke with PennyMac on XX/XX/XXXX and XX/XX/XXXX and I spoke with HAF on XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts on my credit report that are a result of identity theft. These accounts are not mine, and I have already contacted the companies involved to report the fraud. Additionally, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. Please remove the accounts below : XXXX XXXX XXXX, XXXX XXXX  XXXX
Product: Debt collection

XXXX requested a Debt Validation letter from Capital One ( partial account # XXXX ), in XXXX of XXXX -I received an Account Statement, which is insufficient to validate a debt -I told Capital One to Cease and Desist all Contact and Communications, as it pertains to this alleged Debt -This account was Charged Off, and Closed by XXXX of XXXX, and has continually Communicated and reported negative to all of the Credit Bureaus and Agencies -This is a direct violation of 15 USC 1692c ; their illegal actions have caused me great hardships and unnecessary struggles
Product: Mortgage

FirstBank Puerto Rico has failed to comply with the requirement in section 1024.41 ( b ) ( 2 ) ( i ) ( B ) which states the following : Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. '' I submitted a new application for loss mitigation to Mr. XXXX XXXX and Mr. XXXX XXXX on XX/XX/XXXX, see Attachment LM Application submitted XXXX. After 8 working days, as of XX/XX/XXXX, I have not received any communication from FirstBank Puerto Rico. In addition, FirstBank 's underwriter failed to comply with Appendix Q to Part 1026-Standards for Determining Monthly Debt to Income. I. Consumer employment related income. A. Stability of Income. 1. Effective income. " Income may not be used in calculating the consumers debt-to-income ratio if it comes from any source that can not be verified, is not stable, or will not continue. '' Mr. XXXX XXXX, First Banks underwriter, used as effective income a litigated child support that became uncollectible. Moreover, Mr. XXXX failed to comply with Appendix Q to Part 1026, 2. Verifying employment history. a. " The creditor must verify the consumers employment for the most recent two years. '' On XX/XX/XXXX, through First Bank legal representation in the legal case num. XXXX XXXX, FirstBank produced evidence that they documented this requirement with another person income not the borrower, Mr. XXXX XXXX check stubs, see Attachment XXXXAccount Information. In addition, FirstBank failed to comply with HUD Handbook 4000.1 signature requirement on initial application. Initial communications were made with Mr. XXXX as documented in the evidence produced by FirstBank, see Attachment XXXX-Preliminar Request and XXXX Application. Finally, HUD Handbook 4000.1 page 113 prohibits the signing of documents in blank. On XX/XX/XXXX FirstBank had me in a separate office to sign the mortgage while Mr. XXXX was in another office. Various documents had both of our names, but Mr. XXXX never signed them.
Product: Mortgage

I started the process to refinance my home mortgage on XXXX. I have my current mortgage with Bank of the West and have had it for probably twenty years. I am going through Bank of the West also for the refinance. The first loan application was emailed to me on XXXX. The load officer is XXXX XXXX XXXX # XXXX. Thirty days passed and when I called XXXX to ask the status of my loan he told me that application had timed out and he needed to resend the exact same file so I could resign it. The application he sent had several increases in loan costs for me and I questioned these. He then admitted that the original values were incorrect and that is why he submitted a new loan application on XXXX. He lied and said the first application had timed out over thirty days but in reality he held on to the application because of his mistakes. After arguing with him he finally submitted a third loan application on XXXX for me to sign through email. There are still values on that application that are not correct and he has told me they will get straightened out. He is charging me a refinance fee to correct his mistakes. I argued with him and said I should not have to pay for his time to correct his mistakes and he said if I don't sign the application I will not get the loan. He sent me a Loan Disclosure form supposedly with the final numbers and there are still mistakes. I do not get anywhere with him when I speak to him on the phone or through emails. I am livid with the fact that it has been over 14 weeks since I started this process and it still is not done. The loan application was only good until the date of XXXX which has passed. XXXX said that date can be extended by I believe he is stalling on purpose. All of our conversations and emails are recorded and I want some kind of assistance to get him reprimanded for the lies and deceit. On XXXX the loan processor XXXX XXXX called me and I complained and told her I was going to file a complaint against XXXX XXXX. I am sure he has heard this and now I am being ignored and doubt my loan will ever get processed. Every time XXXX calls she asks for information that I have already given her or XXXX and sometimes I am asked two or three times for the same information. I need help from someone who can review all the paperwork and telephone recordings and emails and get this process done. I am getting physically sick from the extreme stress and incompetence from XXXX XXXX. Please help. Thank you.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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 XXXX and TransUnion 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NM XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} ; XXXXXXXX XXXX XXXXXXXX : {$700.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with EQUIFAX about them reporting a bankruptcy on my credit report that does not belong to me. XXXX  list XXXX as the 3rd party consumer reporting agency that provided that incorrect information. I reached out to XXXX about that bankruptcy reporting after my dispute with them and XXXX sent me a letter stating that as of XX/XX/2022 they have removed my disputed bankruptcy information from my file. I have attached a copy of that letter to this complaint for your records. Please remove the bankruptcy listing from file and all accounts listing incorrect information from a bankruptcy. If this information is not removed with in 30 days of this complaint, as I am a litigious consumer and I will not hesitate to file a suit in court for damages per the Federal Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I was contacted on XXXX and showed this website called XXXX. I did not think it was a scam because I spent 3 weeks not putting any of my on money in. If anyone on XXXX mentions crypto immediately block them and do not respond back. Do not send any money to XXXX either. It is all a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! I want this to be resolved ASAP!
Product: Debt collection

Company called ARA left a messages on my wife 's and I cell phones stating that they were filing XXXX counts of fraud against me for a pay day loan that I defaulted on and that they were going to contact my employer and the apartment complex manger where I live. The loan is 3 years old. I got scared and returned the call and gave them my bank account number in order to stop any proceedings. Is this legal. The contact number is XXXX extension XXXX. Spoke with a lady named XXXX. I paid her {$150.00} from my back account on XXXX XXXX. I asked for a receipt and never received one. Called XXXX back on XXXX XXXX. I had to leave a message. It is now XXXX XXXX and I have yet to receive a return call. I feel I have been scammed with threats. My wife and I have saved the phone messages.
Product: Debt collection

I had older medical debt in my name that I viewed in my credit report. I viewed XXXX, XXXX and XXXX. I wrote all of the debt collectors that I had debts with asking for verification of my debts, including Credit Systems ( Centron Services ) in XXXX, Montana. Credit Systems reported ( As " Centron Services '' ) to XXXX of the XXXX credit reporting agencies for ONLY the XXXX debts, and to XXXX of the agencies they reported to reported over {$1000.00} more than the original/actual debt on XXXX of the accounts. 
This was apparently a {$4300.00} debt, according to the collection letter they repeatedly sent out. About a month after sending out the verification of debt letter to Credit Systems I received a response back. They claim on their front page that I owed {$4300.00} but on the verification of the debt from the hospital I owe {$2900.00}. That was the only verification they sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. 
I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the XXXX bureaus directly through this platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$36000.00}
Product: Debt collection

I'll have to follow up with the documents from the company that indicates I have the paid the {$11000.00} in full. I did not take the 80 % offer, I took the entire {$11000.00} debt that was owed. 

XXXX XXXX, voip ( XXXX ) keeps calling me. On my initial call, the agent berated me by saying that I don't sound too smart. 

I think it may have been about 7 years ago that I paid between {$570.00} to a debt collector. I was told that the {$11000.00} and payments would show up on my credit report. 

Lastly, I don't know if that collection agency did a release of liability for the debt.
Product: Credit card

I purchased two sets of skin care products at a XXXX store on XX/XX/XXXX. On XX/XX/XXXX, I found out that I was allergic to the products and then on XXXX, contacted the XXXX store. They told me that this set can not be returned or exchanged. Regarding the return policy, I was not accused when I purchased. Later I contacted Chase bank and started a dispute. On XX/XX/XXXX, Chase resolved my dispute, they told me they wont issue my dispute with unreasonable excuse. I sent all my documents to prove I had contacted XXXX, asked an exchange or return, and also showed my XXXX XXXX. But Chase replied me that I didnt provide the evidence that I arranged any return it or contacted merchant to pickup. I called to Chase later and was told XXXX happens, they can not dispute it.