23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

on XX/XX/2024 i did a settlement of {$330.00} XXXX XXXXXXXX to have account deleted from credit report
Product: Credit card or prepaid card

The issue is about Premier Rewards Gold Card from American Express. On XXXX, I called customer service and asked if my charges from XXXX XXXX XXXX would qualify for the airline fee credit. They answered yes because although the airline I selected was XXXX, XXXX acquired XXXX XXXX and they did not have " XXXX XXXX '' in the drop down list. The charges were on XXXX. I called several times after then and every time the representative said I need to wait longer because it takes up to 8 weeks. On XXXX, I called again because both my husband and I have the card, so I want to cancel mine to avoid paying annual fee twice.The representative said I need to wait another week or two if I want to get the airline fee credit and she also promised that they would refund me the annual fee. On XXXX, I contacted them again and was told that the charges from XXXX XXXX did not qualify for the airline fee credit and I can not get refund on annual fee because it passed certain period. Apparently they can not deliver what they have promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit file has been compromised. Again, I was going through my records & noticed items which do not belong to me. I researchedand found out that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please remove these files listed Below : XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If EXPERIAN does not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( Account # XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on-time as they should be, as I was Never late. Thanks
Product: Credit reporting or other personal consumer reports

Stated in 15 usc 1681a ( 2 ) Any transactions between creditors and the consumer should be excluded from consumer profile. I have transactions reporting and should be deleted from my consumer profile within 10 days or the next steps will be legal for breaking the law. See below for the law and accounts that need to be deleted. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I visited the Lendmark in XXXX, XXXX  today, XX/XX/XXXX to gain access to online account. I was Notified that my account was referred to legal because they were unable to call me ( as a direct result of my XXXX XXXX XXXX  claim resolved in XX/XX/XXXX, claim # XXXX ). That claim detailed the harassing phone calls and profanity of Lendmarks staff when calling demanding and treating for payments. The resolve was that they may only contact me by mail/email. After the resolve the same branch employee XXXX, called me again and I had to remind Her of the resolution of no calls so she hung up. 

Today, XXXX  XX/XX/XXXX, the same employee, XXXX, disclosed my personal information before verifying my identity. She went into detail about my account for 10 mins before her manager asked did she verify my ID. I have her on audio recording saying no she did not.

She also poorly explained the Lendmark policy for legal referrals and on audio recording stated there is no set number of days past due to refer a loan to legal. She stated the last payment was received in XXXX, and my account access was removed ( without notice via email or mail ) on XX/XX/XXXX. I have her on audio recording stating the reason was because they could not call me. 

Referring my loan to legal was an act of retaliation based on my right as a consumer to report experiences to the XXXX XXXX XXXX. Their continued harassment, retaliation and violation of my privacy rights is causing immense distress and violates several federal and state debt collection practices.
Product: Mortgage

1. Full Accounting Ledger : A complete, itemized, and certified accounting ledger for the loan associated with my property, including all payments, interest, fees, and adjustments applied since the loan 's inception.

2. Insurance Claims Documentation : Evidence of any insurance claims made on the loan or property, including but not limited to : Private Mortgage Insurance ( PMI ) Title insurance Hazard insurance Forced-placed insurance Mortgage pool insurance Documentation of any payouts received by you or any affiliated parties from these insurance policies. 
3. Details of Title Verification : Proof that the title to the property remains free of encumbrances or defects that may impact the terms or enforceability of the loan.

4. Loan Guarantee Claims : Evidence of any claims submitted to government agencies ( e.g., FHA, VA ) or entities such as Fannie Mae or XXXX XXXX to recoup losses related to the loan. 
5. Legal Basis for Loan Modification : A copy of the original loan agreement, including any clauses that pertain to loan modifications, and the legal basis for proposing a modification without prior consultation or agreement.

6. Accord and Satisfaction : Acknowledgment of the payment tendered and cashed on XX/XX/year> that included the conditional endorsement, By acknowledgment and endorsement of this draft the payee acknowledges full and final settlement of all sums owed to the payee by the payor on account XXXX XXXXXXXX. This check was given after a silver settlement was accepted from UWM without objection on XX/XX/year>. 
Proof of compliance with Uniform Commercial Code ( UCC ) guidelines regarding conditional payments and any actions taken to contest or decline the settlement offer within the prescribed timeframe. 
7. Proof of No Double Recovery : Certification that you have not received compensation through insurance or other means that would satisfy the outstanding loan balance or reduce the amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I mailed XXXXXXXX XXXX Card Payments a letter and a check in the amount of {$850.00} ( check number XXXX ). The letter was a contract that outlined an agreement that upon cashing the check, the account shall be settled as paid in full, agree to remove any and all derogatory reporting from all credit bureaus including Experian, XXXX and XXXX, all collection attempts and activities cease and if contract is dishonored or violated they agree to compensate me. On XX/XX/18 the { {$850.00} } cleared my checking account. On XX/XX/2018 I called XXXXXXXX XXXX and spoke with Manager Assistant XXXX rep ID XXXX because I had received a letter from XXXX XXXX XXXX XXXX XXXX card, stating that they were unable to process my request, as they did not reflect that I had authorization to receive information on this account. Rep XXXX was able to locate my account and check ( which I also forward her a copy of completed deposited check via email ) and stated that my payment was not created to my account. She assured me that she would handle it. I also asked regarding the contract to be adhered to. Attached is a copy of the letter and cashed check that was sent. To this date, I have not seen an update of removal from my credit report regarding this account. XXXXXXXX XXXX is in breach of contract and has violated the terms of the agreements.
Product: Debt collection

PMAB is a collection agency that I had arrangements with to pay {$25.00} per month. Ive paid every month. This is for a medical bill that I have many of due to I have XXXX XXXX and doing many treatments. The company stated they had not received a payment from me since XX/XX/XXXX. I pulled copies of checked from bank account and faxed and mailed them showing where payments were made. They have not took off my credit. It ruined my credit score which I am working very hard to keep in the 700+ number but it went down to the upper 600s. I need help getting this corrected.
Product: Money transfer, virtual currency, or money service

PAYPAL sent me an email last XX/XX/2021, to paypal acct. XXXX After a review, we decided to permanently limit your account as we found potential risk associated with it. Youll not be able to use PayPal to send and receive payments or shop online. 
If you have funds in your PayPal balance, well hold the amount for up to 180 days. After that period, well email you with information on HOW TO ACCESS YOUR FUNDS..I immediately email Paypal to ask what is " potential risk '' i made and asking for a proof, because my Paypal acct. are Clean, no issue, no complain and no charge back. But Paypal simple reply me that they can not disclose the reason and wait 180 days to refund my money. 
I patiently wait 180 days, But on 178th day, When I check my Paypal acct. amounting XXXX peso or roughly US {$420.00} .the balance is XXXX. 
I immediately Email paypal, demanding an explanation and the Paypal response due to violation of terms and use. without giving me any proof what i violated. 
In the first place why paypal email me to wait 180 days and they will refund my money. 
I feel i was robbed, and mentally abused. 
I hope your good Office give Justice and Help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted the Creditors many of times and they never get back to me.
Product: Credit reporting or other personal consumer reports

My identity was involved in data breach and security issue. Several cards and accounts appearing on my credit report that dont belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting my last name inaccurately on my credit file, I have tried getting them to fix this error twice with no resolution. My first dispute was sent certified mail in XX/XX/2018 and my second attempt was through Equifax Online Dispute Portal on XX/XX/2018. I have sent them all required documentation both times. They received copies of my drivers license, social security card and, proof of residency. Equifax is reporting my last name as XXXX which is Not the correct spelling. The correct spelling of my last name is XXXX. I have had it trying to dispute anything successfully with this company because they Do Not take responsibility. Equifax is Not properly investigating my disputes. How can this company claim to have my best interest in mind at preventing identity theft when they allow for a simple misspelling of a consumer last name to appear on the consumer file. I want CFPB to take the necessary steps to penalize Equifax for allowing these preventable mistakes. I am a victim of Identity Theft and I take my consumer files very serious and when I have tried disputing the incorrect spelling of my last name for 2 months to no avail it starts to make one wonder what Equifax is even doing to protect consumers and why they are reporting inaccuracies.
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 USC 1681. 

( XXXX  XXXX : # XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

NATIONAL RECOVERY AGEN # XXXX I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights. Please honor all request of documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 accounts at XXXX XXXX which are disputed and affected by a natural or declared natural disaster. The FCRA and XXXX XXXX protocols require reporting my account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, Equifax and XXXX credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete fir failure to contain the mandatory information. Either delete all my 3 XXXX XXXX accounts or include the statutory reference that my accounts are both disputed by consumer AND affected by a natural or declared disaster.
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX on XX/XX/XXXX around XXXX pm to get a payment extension on my XXXX account credit cards and the rep assured me that I wouldn't get any late payments since I called before my next due date and that my account is in good standing and that no derogatory marks should report to my credit report. XXXX XXXX extended payment on this account to the XXXX and XXXX of XXXX to prevent any late reporting to my consumer credit report and the rep once again assured to me that my account is in good standing. But on XX/XX/XXXX a 30 day late payment was reported inaccurately to my Equifax consumer report. 

Under the Fair Credit Reporting Act, as outlined in 15 USC 1681, it's explicitly mandated that consumer reporting agencies like Equifax, XXXX, and XXXX must handle their responsibilities with fairness, impartiality, and a profound respect for consumer privacy. As a consumer, I have an inherent right to safeguard my private information, backed by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and protect their nonpublic personal information. 

The entities providing information to credit agencies, known as " Furnishers, '' fall under this definition of financial institutions. According to 15 USC 1681, Section 604 ( a ), any consumer report furnished by these agencies should strictly adhere to the written instructions of the concerned consumer. I assert that Equifax, XXXX, and XXXX the Furnishers of information to credit agencies have no right or written consent from me to furnish my information. All forms of consent, be it verbal, non-verbal, written, or implied, are hereby revoked. 
Moreover, under 15 USC 6802 ( b ) ( c ), financial institutions can not disclose nonpublic personal information to THIRD parties unless consumers are given an explanation of how to exercise their nondisclosure option. The failure to inform me of this right by the Furnishers is a notable omission. Additionally, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information without proper authorization. This inclusion, without my consent, violates the law.

Furthermore, as per 15 U.S. Code 1681s2 ( A ) ( 1 ), agencies are prohibited from furnishing inaccurate consumer information knowingly. Equifax, XXXX, and XXXX  should maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, to prevent violations and limit the furnishing of consumer reports. reporting transaction history is illegal per this code Lastly, 15 USC 1681 ( c ) states no adverse items besides the conviction of CRIMES should be on the consumer credit profile and any item that is derogatory mark is not allowed into the consumer reports. This is a violation and anything added to the consumer report without written consent could be considered identity theft according to 12 CFR 1022.3.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Equifax to dispute items negatively reporting on my file, for proof of accuracy and if the item could be verified. There were 5 items that were disputed on this inquiry. 

On XX/XX/XXXX I sent a second letter of dispute to Equifax in regards to items negatively reporting on my file for proof of accuracy and if the item could be verified. There were 6 items included in the dispute of this inquiry. 

On XX/XX/XXXX, I sent a third and final letter of dispute to Equifax in regards to items negatively reporting on my file for proof of accuracy and if the item could be verified. There were 6 items included in this dispute of this inquiry. 

As of today, XX/XX/XXXX I have not received any response from Equifax. The only acceptable response is to provide proof that the item is verfied BY SUBMITTING ORIGINAL SIGNED CONTRACT WITH WET INK SIGNATURE according Section 609 ( A ) ( 1 ) ( a ) of the FCRA. If you can not provide proof, that means the items are unverified. If the item is unverified, the item is to be removed from the consumers credit profile. This is law. This is only acceptable. 

This is my final attempt to settle this dispute with said company, other wise we are pending litigation with a complaint filed in U.S. District Court Central Division of California for negligence of compliance secured and guaranteed to me in sections 616 & 617 of FCRA. 

Also included, you will be sued for the following reasons : Tyranny ( abuse of power ) - Establishing your own jurisdiction and not complying with FCRA regulations. 
Fraud ( Acquiesce ) - Consent to fraud by Tacit, Silent or Passive response. 

And any additional findings in your efforts to verify items disputed.
Product: Debt collection

I am filing a formal complaint against Jefferson Capital Systems and [ XXXX, XXXX, or XXXX ] for inaccurate reporting and failure to validate a debt under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. XXXX et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. XXXX et seq. ). 



Details of the Issue : XXXX. Incomplete Payment History & Re-Aging of Debt The Jefferson Capital Systems collection account ( Acct XXXX XXXXXXXX ) first appeared on my report in XX/XX/year>, but there is no prior reporting from XXXX, the original creditor. If XXXX charged off this debt earlier, Jefferson Capital can not change the default date to extend the collection timeline. This is a violation of FCRA 15 U.S.C. XXXXc ( a ) ( XXXX ), which prohibits re-aging of accounts beyond the XXXXyear reporting period. 

XXXX. Failure to Provide Ownership & Chain of Title Under FDCPA 15 U.S.C. XXXXg ( b ), Jefferson Capital must provide verification of the debt upon request, including documentation showing how and when XXXX transferred ownership of this debt. Without a proper chain of title, they lack the legal right to collect or report the debt. 

XXXX. Lack of Debt Validation I requested validation of this debt, including : Original signed agreement with XXXX Billing statements proving the amount owed Proof that this debt belongs to me Jefferson Capital has failed to provide this information as required under FDCPA 15 U.S.C. XXXXg ( a ) ( XXXX ). If they can not validate the debt, they must cease collection and remove the account from my credit report under FDCPA 15 U.S.C. XXXXe ( XXXX ). 

XXXX. Failure to Investigate My Dispute Properly I disputed this account with [ XXXX, XXXX, or XXXX ], yet it remains on my report without verification from the furnisher ( Jefferson Capital ). This violates FCRA 15 U.S.C. XXXXi ( a ) ( XXXX ), which requires credit bureaus to conduct a reasonable investigation and remove unverified information. 

XXXX. Possible Reporting of Inaccurate Balance or Account Details If the amount Jefferson Capital claims does not match my original XXXX balance, this is a violation of FCRA 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), which requires furnishers to report only accurate information. 

This inaccurate collection account lowered my credit score and damaged my financial standing.

I have wasted time disputing this account without a proper response.

I have suffered financial and emotional distress due to the unlawful collection practices of Jefferson Capital.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted when my social security card was stolen and I have derogatory items that are not mine including many inquiries. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX incorrectly and prematurely reported a bad debt to all 3 credit agencies XXXX, Transunion and XXXX which was not accurate because the balance was paid and applied to NYS Pell grant. This had prohibited me and my mother of obtaining our first home purchase. Please have University to remove and report good and paid debt as soon as the law allows.