23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Jefferson Capital Systems LLC is trying to collect a fraudulent ( never existed ) debt of XXXX. 

Some months ago I received a letter from a company called " XXXX '', I believe they claimed that they were based in Minnesota. They claimed that I owed a debt of over {$2100.00} from a XXXX transaction. I had NO recollection of ANY unpaid debts, and so I contacted XXXX, which said that no such transaction had ever existed in all their years of records for my ( long unused ) account with XXXX. 

XXXX repeatedly called me. After repeatedly telling the callers that XXXX had confirmed there is no such debt as the one claimed they still persisted. 

XXXX sent me a letter ( from Illinois ) claiming they want me to pay {$2100.00} or to negotiate to reduce the phony " debt '', and arrange a payback schedule. I believe that they said they were part of " Jefferson Capital '' On XX/XX/2021 I received a notice in the mail from " Jefferson Capital '' claiming they want me to pay {$2100.00} or to negotiate to reduce the phony " debt '', and arrange a payback schedule.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have a XXXX XXXX XXXX that does not belong to me.
Product: Debt collection

This account is Navy Federal account that I dispute earlier with CFBP and he came back. That account was transferred to a collection company and statement on My Credit report is charge off ( written off as mention in their response, I want Navy Federal to send me a 1099 as income to me for this account
Product: Credit reporting, credit repair services, or other personal consumer reports

showing errors on my credit report b/c of the equifax breach
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the XXXX account, which appears on my credit report. I believe this account was opened or used fraudulently without my knowledge or authorization. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that XXXX XXXX XXXX XXXX this account from being reported to the credit reporting agencies and cease any collection activities related to it. According to the FCRA, you are required to comply with this request within four ( 4 ) business days of receiving my dispute.

Please find attached the following documents to support my claim of identity theft : A copy of my government-issued ID for verification purposes.

A copy of my completed Identity Theft Report ( filed with the Federal Trade Commission ). 
Any other supporting evidence, such as proof of residence or correspondence showing that I did not authorize this account. 
I trust you will handle this matter promptly and ensure this fraudulent account is blocked and removed as per the requirements of federal law. Please confirm in writing once the action has been taken or if additional information is required.
Product: Credit card or prepaid card

XXXX XXXX XX/XX/XXXX Executive Response Unit Citibank , N.A . Office of the President XXXX XXXX XXXX XXXX XXXX, SD XXXX In reference to your letter dated XX/XX/XXXX responding to CFPB Case # XXXX regarding blocking my Citicard credit card account I have the following comments : 1. Both your letter and your summary to the CFPB omitted the amount of the potential fraudulent transactions. {$10.00}. I repeat the amount here to emphasize that I expect common sense to determine security actions. Blocking my account over a potential fraud of {$10.00} is not using common sense. 2. You write Please contact the merchant to ensure they have the correct information on file. No. I will advise my wife to use another credit card in this doctor 's office. Why is n't Citicard staff performing followup with this merchant? 3. On XX/XX/XXXX I complained to CFPB. On XX/XX/XXXX you state you reviewed my account and the block was removed. Why did you not remove the block prior to my CFPB correspondence? My initial emails to Citicard were dated XX/XX/XXXX.  Apparently if I want timely results I should be contacting CFPB before I contact Citicard. 4. On the issue of the Citicard Secure Messaging Center I was able to send two emails, but the third was not accepted by your system. I think you have system problems, and your resources should be expended fixing these problems, rather than annoying customers by blocking accounts. 5. You state your Fraud Department is not able to use your Secure Messaging Center, and requires telephone contact with customers. Again this is a resource problem for Citicard. You have to design your systems properly to allow for internet and email verifications. If there are any future problems with my account I will be contacting CFPB directly because they have been more responsive and helpful to me than Citicard staff.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Paypal sent {$120.00} ( {$120.00} ) with fees to XXXX XXXX. Which was a unauthorized transaction. I tried to ask XXXX for it back. She said she never received. Then paypal denied my request
Product: Credit reporting, credit repair services, or other personal consumer reports

Failed to secure my information and was accessed. Now my personal information may be at risk for identity theft.
Product: Credit reporting or other personal consumer reports

This is the investigation into the account status and payment history into XXXX Mortgage account. This account was never late and closed and paid in full. XXXX has instructed all credit agencies to correct this actions to paid/closed never late. As well as the removal of the lat payment showing in XXXX of XXXX. This account and Transunion being the issue on fixing it. Each time I have tried to address it within 24 hrs I get a computer automated response email stating it has been investigated and no changes have been made yet. This is the one account that is hindering me from proceeding to qualifying for a new home loan with a better interest rate. As mentioned Transunion is the only agency standing in the way of me being a real home owner for myself and family.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate.and according to the fcra whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these accounts ( XXXX ) XXXX  : account # XXXX. ( XXXX ) XXXX : account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX acount # XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX. ( XXXX XXXX XXXX XXXX  : account # XXXX. ( XXXX XXXX XXXX XXXX XXXX : account # XXXX. 15usc1681section602Ai have the right to privacy.and according to 15usc1681 ( a ) ( 5 ) no consumer reporting agency may make any consumerreport containg any of the following information, other than records of convictions of crimes which date the report by more than 7years.15usc1681s-2 ( a ) ( 1 ) a person shall not furnish any information to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.please remove ALL inaccurate information from my report.ive been battling XXXX  XXXX XXXX for last XXXX and I am trying to get my life back.thank you respectfully
Product: Credit card

I am a victim of identity theft but did n't know it until I receive a notice of garnishment from a company named Greater California Financial Services ( GCFS ). I called multiple times advising that i was a victim of identity theft but it lead no where. I recently provided a copy of a police report and an FTC identity theft form to GCFS but was advised by account representative XXXX on XX/XX/2017 that even though they received my dispute documents they were not going to do anything with them, only to note the account. I was advised by XXXX that they would only accept the police report if it stated who committed the identity theft and that they were caught. I tried explaining that as the victim I have no idea who that would be and that would be a police matter. I asked XXXX how is it possible that I have to solve the crime of identity theft for GFCS to take my dispute seriously. XXXX stated not his problem. I advised XXXX that under the FDCPA guidelines and the CFPB, my dispute would have to be responded upon. XXXX stated he does n't agree with the CFPB regulations and that they change heads all the time and GCFS has been here for 10 years and will not be going anywhere. It became apparent to me that GCFS does n't care to follow any dispute regulations. XXXX at one point stated that a default judgment is proof enough for them and the burden of proof is now on me even though I provided a police report with an FTC identity theft form. XXXX even stated I should hire an attorney and make GCFS pay many court fees which I found his sarcasm disheartening. I advised XXXX that I would be filing a regulatory complaint to which he stated go ahead.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is reporting a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

XX/XX/XXXX, I was undergoing a traumatic divorce after which, I was left with a house and property that was in foreclosure and outstanding back property taxes. At that time, there was also a death in my family. I told the bank that had my mortgage, that I needed to live in my house and that I fully intended to keep it. I asked for a loan modification. It was a long process because each time I called my bank to get information or status on my modification, they often sent me to numerous departments or took days to call me back. My understanding was that a loan modification was something that banks offered to help alleviate stress and make one 's monthly payments more manageable. They offered only XXXX modification and if I wanted to stay in my house on my property, I was told I had to take their offer, so I signed it under duress. I obtained a quit claim deed from my county to remove my ex-husband from my mortgage. The bank refused to honor it. Further, they did not decrease the interest rate on my mortgage and I am paying interest at an astounding 7.25 %! It 's now XX/XX/XXXX and I 'm STILL having to meet these high monthly payments! Despite me making timely monthly payments ( I set up automatic monthly withdrawals ) at this ungodly rate, I have discovered that my credit rating shows that this bank reported I was behind on my payments since the modification! 
I do not want to refinance with this bank and have sought other banks. However, another bank advised me that I should file a complaint against my bank because when the new institution tried to get information, my mortgage company gave them the run around as well. I was told by other banks that the fees tacked on to my modification ( {$45000.00} due at the end of my loan ), was outrageous. When I asked my mortgage company for refinance information, they sent me a " Uniform Borrower 's Assistance Form '' -for foreclosure! It was as if they had no clue about my loan, that I am up to date with my payments and property taxes, and that I wanted to refinance!! There was also an unresolved question as to why my mortgage company did not use a federal loan and instead used their own in-house loan. Consequently, the bank that I want to refinance with, wo n't offer my refinance until there is resolution with my mortgage company. I DO NOT WANT TO REFINANCE WITH MY ORIGINAL MORTGAGE COMPANY. Another bank believed they could make my monthly payments at least {$500.00} cheaper, per month, than my original modification payments. Every month I am with my original mortgage company, I feel I am losing a minimum of {$500.00} per month. This is outrageous and my mortgage company continues to drag their feet, give me the run around, and give me questionable or incomplete answers. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate and inconsistent credit reporting by XXXX XXXX. The bank has reported erroneous information on my credit reports that has negatively impacted my credit score. Despite my attempts to resolve these issues through direct disputes with XXXX, the discrepancies remain unresolved.

Specifically, the following issues are present on my credit reports : Inconsistent Balances : The reported
balances for my XXXX account are inconsistent across all three major credit bureaus ( XXXX, XXXX, and TransUnion ). These discrepancies are misleading and do not reflect the actual account balances as per my statements.

Late Payments : XXXX XXXX has incorrectly reported late payments on my account, even though I have consistently made all payments on time. This is inaccurate information that is affecting my credit standing.

I have already made several attempts to dispute these inaccuracies directly with XXXX XXXX  by [ briefly describe any dispute methods used, e.g., submitting disputes, calling customer service, etc. ]. However, despite these efforts, the errors have not been corrected.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that accurate and consistent information is reported to the credit bureaus. Additionally, I request that XXXX XXXX  be held accountable for their failure to properly correct these inaccuracies and for not resolving the dispute in a timely manner.

Thank you for your attention to this matter. Please feel free to contact me if you need further information or documentation to support my complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a bill, and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking as outlined in the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I respectfully request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have supplied my identification and the required documents from the list of acceptable items, as mandated by law. Additionally, I have included a victim determination letter as per 1022.142 ( b ) ( 6 ).
Product: Vehicle loan or lease

I went to XX/XX/2021 with my childs mother as a cosigner. I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was hesitating on the purchase my child 's mother is not forethcoming this was her pick. Supposedly Credit Accepatance supposedly picked up as the lenders. I put down {$6000.00} with {$800.00} a month. XXXX XXXX is only a cosigner and expected me to share my vehicle yet I pay. I stopped paying the truck the second month because XXXX XXXX was destroying it. I have been trying to contact this dealership since XXXX  they answer then play phone tag the tell me to call Credit Acceptance, then when I call credit Acceptance they refer me back to the dealership. This has been gooing on for two years ith the vehicle in my possession. I tried to give the vehicle back if they give me my {$6000.00} and my stolen check that was sent to them with two peole name on it yet I just found this out this week from Credit Acceptance. I tried calling repeatedly they will answer then put me on hold forever then come on and say call credit acceptance, they said the gave two months of money back because the vehicle could not get a title, so thats {$1600.00} ( XXXX XXXX stole the check and forged my signature ) XXXX XXXX has been the only one this car dealership talks with yet my name is first she is a cosigner. I believe the dealership is practicing bad behavior along with XXXX XXXX I tried to ask how I could buy the truck out NOTHING
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I received two alerts from Experian on XX/XX/2020. 

1. Credit Rating Decrease - You credit rating has changed from Exceptional to Very Good. 

2. Score Decrease - Your XXXX  Score has decreased by XXXX points. 

My " XXXX '' credit score decreased to " XXXX '' for no apparent reason. There is no derogatory information on my credit report, therefore, I can't dispute this online, and Experian employees don't answer calls to the telephone numbers that are provided online to consumers. This is Catch-22.
Product: Student loan

Nelnet didn't honor my opt-out request from forgiveness for two of my fourteen loans. They agreed to opt me out over the phone on XX/XX/year>, but they didn't follow through. I had consolidated all fourteen of my loans prior to opting out, but Nelnet pulled the two loans out of the consolidation and processed the forgiveness. I am trying to get them to reverse their error and reinstate the forgiven loans, putting them back into the consolidation loan where they found them. 

Here is the timeline of events. Supporting documents are attached. *Note : my loans started with Nelnet and stayed with Nelnet after the consolidation. * XX/XX/year> : I received the email from the Department of Education which indicated that some or all of my loans were eligible for forgiveness, with an opt-out deadline of XX/XX/year>. ( See XXXX  ) XX/XX/year> : I decided to consolidate all of my loans together, and I completed the consolidation application on the Federal Student Aid website. ( See XXXX ) XX/XX/year> : I opted out ofthe student loan forgiveness over the phone with Nelnet, then followed up the call with an opt-out email and an opt-out letter through the mail. 
Nelnet will have a record of the call at XXXX XXXX Pacific Time. ( See XXXX ) I spoke with a Nelnet advisor who stated that heunderstood my request to opt-out of the forgiveness of the two loans. We spoke at length to identify the exact loans I was referring to -- the two flagged for forgiveness -- and he assured me that theopt-out would be done. 
The email was sent at XXXX XXXX Pacific Time. ( See XXXX ) The letter was sent via USPS Priority Mail. ( See XXXX the email attachment ) Proof of delivery on XX/XX/year> is available if needed. 

XX/XX/year> : Nelnet sent an email toreview the details of my consolidation loan. The details were correct, with a count of 14 loans in the consolidation, for a total of {$97000.00}. ( See XXXX ) XX/XX/year> : Nelnet sent an email stating that they had processed the forgiveness on the two loans. ( See XXXX  ) Because I had requested the opt-out in time, I was expecting Nelnet to resolve this error. 

XX/XX/year> : Nelnet sent an email stating that the consolidation had been finalized. ( See XXXX ) After that, they sent another email stating that some loans had been removed from the consolidation and the total had been adjusted. ( See XXXX ) The loans that were removed from my consolidation were the same two loans for which I had opted out of forgiveness. The amountof my consolidation loan was adjusted from {$97000.00} to {$93000.00}. ( See XXXX ) Oddly, in my Nelnet account there is no record of my two forgiven loans being paid off via any type of forgiveness. Instead, they retain the appearance of being paid off via consolidation, albeit with the adjusted, lower {$93000.00} figure, rather than the original {$97000.00}. ( See XXXX XXXX XXXX )