23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Jefferson Capital is attempting to collect on an illegal debt from XXXX. I adamantly disagree with this debt and dispute owing verizon not even XXXX XXXX. 
They are claiming a balance {$2800.00} - of which I exercised my rights under federal law to have this balance and debt be validated. 

Jefferson capital responded with a XXXX statement dated XX/XX/year>2022 that itemized {$4.00}, and had no details on the remaining {$2900.00} balance. In addition to this failure to itemize and corroborate how the heck this balance can be {$2900.00}, they did not provide any evidence whatsoever to show that I am the correct consumer or that they have lawful rights to this debt, or anything that binds me to this claim whatsoever. 

I am not being pedantic here, I simply do not agree there is any possible way I could owe XXXX nearly {$3000.00}. How are they calculating this? What is this balance for? Is it even mine? I feel these are legitimate questions and concerns that as a protected consumer I have the right to be heard and answered. I have asked Jefferson Capital numerous times for this information and there failure to provide anything meaningful, substantive, and worthwhile is very concerning. 

JCS Reference # XXXX
Product: Debt collection

In XXXX, I sent Credit Collections USA verification/validation request and I received 2 letters back ( attached with complaint ) which did not provide any verification/validation information requested. On XX/XX/2018, I filed a complaint with CFPB and received a notice that Credit Collections USA response but with no more information. I contacted CFPB and was informed that Credit Collections USA did fail to provide any requested information and to file another complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

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
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My account continues to be coded and profiled for certain activity, mobile deposits, certain transactions, overdraft protection. 
I continue filing complaints regarding this situation. The bank continues to deflect and want me to speak to their Executive Client Escalation representative. 
I completely understand the problem as well as the violations and practices which I am experiencing. 
I have opted in for overdraft protection, however, the transactions which caused the overdraft are not paid and fees are applied. 
Four transactions at {$10.00}, 1 @ {$15.00} were allowed to post causing overdrafts and fees. I am willing to pay the valid charges totaling {$55.00}. The fees are {$140.00}. 
I have requested a refund since the transaction should not have been authorized by the system and then approved to be paid via the Opt In option. 
Also, this bank put a hold on my Social Security Direct Deposit and some deposits I made via mobile banking app for no valid reason except because of profiling. Deposits are being scrutinized and held. My account becomes overdrawn because of this illegal bank practice.
Product: Debt collection

I have a unpaid charge card debt. Kohn law firm is now trying to collect on the default judgment against me from XXXX XXXX charge card debt. They found out I am exempt from garnishment because on state and federal aid so they are trying non earnings garnishment on my checking, savings and pay from a customer-employer. the court commissioner ruled my pay earnings as defined in the Wisconsin state statue but XXXX has appealed trying to use a unpublished appetite courts ruling as president for
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion 3 dispute letters in the months of XXXX, XXXX, and XXXX the response i received was that they investigated but showed no proof. In these disputes i sent the copy 's of payments and letters from company 's in question. 

XXXX XXXX - Account # XXXX has been on the deferment program since XX/XX/2020 since before covid-19 started. My payments should show paid and not negative which is hurting my life. 

Also i have sent copy of my continued on time payments of XXXX  XXXX - Account # XXXX, they have neither up dated the on time payments or removed negative payment history or removed accounts all together since they are not accurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I paid off a credit card with XXXX XXXX. It was never updated on my credit report. On XX/XX/2023, I paid off a revolving credit account, it was not updated on any of my credit reports. Interestingly enough, credit increases are reported immediately but credit decreases take upwards of 30 days to update. 

Also, all three of the credit reporting agencies ( Trans Union, XXXX and XXXX ) report very different credit scores for me, as does XXXX XXXX. I had to contact all three credit reporting agencies as well as XXXX XXXX to update my scores. They are not updated. The house I am renting is going on the market. I need to continue to repair my credit so I can rent a new apartment or find a lender who will approve me for a mortgage. I'm tired of waiting three months for credit reporting agencies to reflect positive changes on my credit report and the hours I need to spend on the phone just to have an accurate reflection of my credit rating. I'm doing my best after major XXXX and a global pandemic. Credit reporting agencies need to do better and stop discriminating against consumers.
Product: Checking or savings account

When my dispute of {$2000.00} was denied I requested documentation as to why it was denied and they sent me this police report that is not even in my name. Man chime is about to get in trouble with CFPB and the OCC. Violating regulation E and some kind of privacy law. I also contacted the police department that is on the police report and might just find out who this person is and tell them I got their information by mistake thanks to chime
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Account XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

On XXXX XX/XX/2023 from an individual claiming to work at US BANK phone number XXXX asking if I was applying for another car loan in Arizona or another state. I have not ever applied for a car loan. He advised I check my XXXX. 

The next morning, I checked XXXX and saw an auto loan in the amount of XXXX dispersed and in my name as the cosigner to an individual named XXXX XXXX who I do not know. The employer and one address associated with my name are incorrect and I presume them to be " XXXX XXXX 's ''. 

I then filed an FTC identity theft report number XXXX And also a local police report incident XXXX Also a complaint on the FBI website. 

I then placed a freeze and fraud alerts with XXXX, XXXX, and XXXX and filed a dispute with XXXX about the false reporting. 

I contacted US BANK on XX/XX/2023 and spoke with their fraud department with an individual named XXXX, who said they would investigate the issue. The only thing that has happened since then from US BANK is one letter reading about a hard credit inquiry removal but nothing about removing the fraudulent reporting to the credit bureaus. In a letter from XXXX, The dispute results claimed that the lender stood by the loan claiming that is my loan. So they did not remove the information from my credit. 

Since the initial contact with US BANK the fraudulent person using my credit has missed a payment and my credit has dropped over one hundred points. The amount is now XXXX due to the late fees I presume. 

I reached back out to US BANK on XX/XX/XXXX to see what was going on and they would not help me. I spoke with XXXX people each who sent me to the next person, only to get to the last person instructing me to call the number I was already on the line with. During this series of calls, they would not verify my Identity over the phone and instructed me to visit a local branch, there is not one in my home state. I do not know the account number or anything other about the auto loan. I have never received a bill to my home address in regards to this.

I am working on writing dispute letters per the FTC guidelines to each credit agency per the FCRA 605B including copies of my credit reports, requiring the bureaus to block this false reporting. These will be certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I figured it out that someone else creates a new account with my information and then when I try to sign on to check my credit I cant because someone else is using my personal information and used it for their own convenience.
Product: Checking or savings account

I opened an account with Citizens Bank online in early XX/XX/2018. My account type was One Deposit Checking account. After a few days of opening the account, I found out that Citizens Bank did not intend to honor a sign-up bonus that I was interested in. So I called them to close the account. But every time I called them, I had to wait at least an hour listening to the hold music and still not getting any live human agent to talk to. After calling in about 4 times, I gave up. I visited their branch at XXXX XXXX XXXX XXXX, XXXX, NY XXXX and talked to a bank agent in person. She said she closed my account. But after returning home, I found out that I could still log in to my online account and neither did I receive any notification that my account was closed. Please close my account ASAP. Otherwise they would find another reason to charge me a fee next month!
Product: Debt collection

I COMPLETED A TITLE SEARCH ON MY PROPERTY AND FOUND AN ABSTRACT JUDGMENT OF {$4300.00} FROM ASSET ACCEPTANCE LLC. THIS WAS A CIVIL JUDGMENT FROM  XXXX   XXXX  CIVIL COURT. THIS JUDGEMENT ALONG WITH THE ORIGINAL DEBT WAS PLACED IN MY CHAPTER  XXXX  BANKRUPTCY WAS WAS FILED IN  XXXX  AND DISCHARGED IN  XXXX . THE FIRST THING I DO WAS CONTACT THIS COMPANY ASSET ACCEPTANCE LLC TO DISCUSS THIS ISSUE. THE PERSON IN CHARGE OF MY ACCOUNT IS NAMED  XXXX . SHE STATED THAT THEY WERE NOT AWARE OF ANY BK. AND THAT I NEEDED TO MAKE A PAYMENT OR SETTLE TO REMOVE SAID LIEN. I EXPLAINED THE SITUATION AND SHE INSISTED ON MAKING A PAYMENT. I ASKED HER TO SEND ME A DEBT STATEMENT OR INFORMATION. SHE STATED SEVERAL TIMES IN ORDER FOR HER TO PROCEED I NEEDED TO MAKE A PAYMENT. SHE BASICALLY WANTED ME TO ASSUME A DEBT THAT HAS BEEN DISCHARGED IN BK IN  XXXX . AND I TOLD HER I WANTED THE LIEN REMOVED AND SHE STATED TO PAY. I STATED I WOULD GO TO CIVIL COURT AND GET IT REMOVED. AND I WANTED TO TALK TO HER SUPERVISOR. SHE STATED SHE HAD NO SUPERVISORS AT THE MOMENT AND THAT HER 'S WAS GONE FOR A WHOLE WEEK. I NEVER RECEIVED A CALL OR BILL FROM THESE PEOPLE AND THEY ARE STATING OTHERWISE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of Identity theft and SunTrust Bank is reporting information on my XXXX credit report that was opened with out my knowledge or permission. I have provided all the necessary documents for the removal of the wrong information being reported but the information is still on my XXXX credit report.
Product: Debt collection

I have tried contacting the company on numerous occasions because they are attempting to collect a {$55.00} " debt '' for a vehicle insurance for a vehicle I no longer had.
Product: Checking or savings account

Wells Fargo closed account after they suspected cfraud that wasnt fraud
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Me. XXXX contacted me on XXXX2021 to let me know that my loan was cleared to close. After my ongoing issues with PNC, I was very happy to hear this. While XXXX was pleasant and caring, when I checked the closing cost, I noticed that it was incorrect. XXXX informed me that I qualified for a {$1500.00} grant and my realtor submitted an addendum stating that the seller would credit me {$2000.00} toward the closing cost. None of this was properly reflected in the closing cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I randomly pulled my credit report and noticed unauthorized inquiries listed on my credit report. I have contacted each company listed and have been given the run around. They have stated that there was no accounts in my name I am responsible for but stated I need to contact the credit bureaus as well. 
I have been a victim of identity theft in the past and this really scares me. I want to take any action possible to settle this asap please. Someone have applied for items in my name and they need to be removed. I have frozen my credit report as well for added protection. According to the Fair Credit Reporting Act, they items must be removed. 

These are listed on my Equifax Credit Report. 

The unverified inquires are listed below : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX The fair resolution would be to PLEASE remove items that were not authorized and verified. Thank you!
Product: Debt collection

The firm XXXX XXXX XXXX XXXX, in regards to XXXX XXXX is pretending to be a law firm, in a attempt to collect a debt that is not a debt from XXXX XXXX, I still have a account with XXXX XXXX where I can pay on the bill, so my complaint is with XXXX XXXX ( XXXX XXXX XXXX XXXX ) and Zwicker and Asso., for falsely claiming to be a law firm and collecting on a debt that is not a debt I'm still paying on it it's just a closed account that is still a apart of XXXX Zwicker and Association , XXXX XXXX XXXX, XXXX XXXX XXXX, claiming to be XXXX XXXX XXXX , They also called XXXX XXXX XXXX  claiming this also.
Product: Mortgage

Hello Subject property, Loan # XXXX XXXX XXXX XXXX XXXX, XXXX Arizona XXXX This home is and always has been a rental property. 
The current loan is serviced through .Specialized loan servicing ever since the loan was sold by XXXX XXXX XXXX 
With the current Pandemic and the current tenants having trouble making there payment. I thought I better contact Specialized to review my options. This loan is a non Government backed loan. I asked who owned the note and was informed specialized would not tell me without a written letter. 
A letter was sent to the address was sent to specialized on XX/XX/2020 asking who owns the note received a letter saying Specialized had received my letter on XX/XX/2020 As of XXXX I have no idea who owns my note and am asking you to assist me in getting this question answered If Specialized keeps withholding information that I am entitled to. I would like to see you fine them. At that point I shall seek a legal remedy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX continues to open and close my account to reage the original date of deliquency month after month hurting my score. the account was closed with a balance due back in XX/XX/year> and efforts to resolve the balance were not met by the creditor. I contacted the creditor and asked that late payment be removed to no avail. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report. This is seriously effecting my score and continuing to oppress me as an individual. Because of my score ive been denied employment, credit and housing. I would like to ask that late payments be immediately removed from my credit file across all three beaurus. 
It is illegal to open and close the account only in an effort to report.
Product: Debt collection

Despite many attempts, the bank continues to report incorrectly to the credit bureaus an account that was closed. The bank refused to acknowledge that the account was reported as charged off when a payment had been made before the anticipated date of to prevent to prevent a charge off classification. Although I tried many times to have the record corrected the bank refused. 
I gave up trying to get the bank to correct the record. Later, the bank offered a discounted pay off which was supposed to eliminate the charge off status and replace it by account settled at less than the book balance. The bank agreed to eliminate the charge off code. I made all the agreed payments but the bank did not change anything. 
I contacted the bank again to let them know about the error in the credit report. The bank sent me a letter indicating that changes have been made ; however, my credit report continues to report the account as charged off and now also as settled for less than the book balance. The bank used unfair and deceptive practices to encourage payments and then does not comply with the terms agreed at the time of the collection call and to continues to affect the customer 's credit despite an earlier resolution. My statement can be demonstrated by the recorded conversation the bank always makes on all collection calls. 
I am asking the bank to remove the charged off code. I am hoping that the bank would not deny now that there is recorded conversation. If they do, that is a false representation ; which they probably follow by asking me that if I have written evidence of the conversation to send it to them. Obviously, it impossible to comply with that request and they know it, but they do have it the evidence required and always refuse to produce it. 
Your cooperation is appreciated XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The three major credit reporting agencies ( XXXX, XXXX, XXXX ), are inaccurately, inconsistently, and unfairly reporting my consumer information ( Via Capitol One ) : XXXX .... XXXX is reporting as 30 days late ( XX/XX/2019 ) XXXX isn't reporting and 30 day late payments. This is inconsistent, unfair, and inaccurate and NOT 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Flagship Credit Acceptance, Hello, I am contacting you to formally dispute the late payment charges levied against my account, specifically related to the late payments on my credit report for payments due in XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX for my Auto loan XXXX. I understand the importance of fulfilling financial obligations promptly, but I find it necessary to explain the circumstances surrounding the delay in payment. 

As you are well aware, the COVID-19 pandemic has had far-reaching effects on individuals, businesses, and the global economy. Unfortunately, my personal and financial situation has been significantly impacted due to the ongoing pandemic, leading to unforeseen hardships around those months.The pandemic had caused disruptions in financial stability, leaving me with limited resources to meet all my obligations in a timely manner at the time. I also called to get assistance with customer service in making payments to catch up on those obligations and those late payments were still placed on my credit report. 

I want to assure you that my intention has always been to honor my financial commitments, and this delay in payment is solely due to circumstances beyond my control. I have actively worked towards stabilizing my financial situation and have taken necessary steps to regain financial stability from that sickness, which has not caused anymore issues in my payments. 

Considering the unprecedented nature of the COVID-19 pandemic and its widespread impact and the Hero Act Section 110401, helping consumers not have adverse affects on credit reports due to the pandemic. I kindly request that you review my situation and reconsider the late payment charges on my credit report and fees. I understand the importance of maintaining a good credit standing and wish to rectify this situation as soon as possible. It would be greatly appreciated if you could waive or reduce the late payment charges and take them off credit report, which would significantly alleviate the burden I currently face.