23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Dispute of Collection/Charge Off by Jefferson Capital System on XXXX Credit Report Dear Consumer Financial Protection Bureau , I am writing to dispute a collection/charge off reported by Jefferson Capital System on my XXXX credit report. The account in question, dated XX/XX/2024, in the amount of {$560.00}, has been handled in a manner that I believe violates several consumer protection laws and regulations. 

The specific issues with Jefferson Capital Systems actions are as follows : XXXX. XXXXViolation of 12 CFR 1006.34 ( b ) ( 5 ) XXXX : Jefferson Capital System has not provided any validation information for the alleged debt, yet they have reported a collection on my credit report. 

XXXX. XXXXViolation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) XXXX : I have not been given an opportunity to dispute the debt, which is a fundamental right under the Fair Debt Collection Practices Act ( FDCPA ). 

3XXXX XXXXUse of Misleading, Misrepresentative, and Deceptive MeansXXXX XXXX The agencys collection practices include misleading, misrepresentative, and deceptive methods, potentially violating consumer protection laws. 

XXXX. **Violation of XXXX XXXX XXXX ( d ) and XXXX XXXX XXXX ( XXXX ) ( A ) XXXX : The agency has furnished information to consumer reporting agencies without providing the disclosures required by law. 

In light of these concerns, I am making the following declarations and requests : - I am disputing owing any and all debts to Jefferson Capital System.

- I am revoking all rights of Jefferson Capital System to communicate with me through email, text messages, or phone calls.

- I am requesting debt validation as per my rights under the FDCPA.

- I am requesting a copy of the purchase agreement between Jefferson Capital System and the original creditor.

- I am requesting proof that Jefferson Capital System is licensed and bonded as required by law for debt collection.

The impact of this erroneous reporting has adversely affected my credit score and financial standing. I urge the CFPB to investigate this matter promptly and ensure that my rights as a consumer are protected.

I have attached relevant documents supporting my claims. I seek the removal of this inaccurate collection/charge off entry from my credit report and assurance of compliance with all applicable consumer protection laws by Jefferson Capital System . 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Student loan

As of XXXX, I reached my XXXX years or XXXX months of qualifying employment and submitted what should have been my final XXXX. However, my payment counts stopped at XXXX out of XXXX and seemed to remain that way. No more movement was made on my account or payment amounts and I had a few months of payments that did not qualify due to the SAVE injunction placing everyone into administrative forbearance. On XX/XX/XXXX I submitted a buyback or reconsideration request for my PSLF in hopes of getting those payments to qualify or recieve credit for at least two more months so I could receive my forgiveness, which should have been granted in XXXX. I received word about this application and contacting StudentAid.Gov returned no useful results. Around XX/XX/XXXX I checked Student Aid 's website to see that my payment counts had been updated and suddenly, I was now at XXXX. Excitedly, I submitted a request to change my repayment plan, hoping to switch from the SAVE plan to a regular IDR plan so I could get my final payment to count and trigger my forgiveness finally. There was no confirmation about this. I contacted my servicer, XXXX, and StudentAid.gov, who confirmed the application is in, but currently in processing limbo. I have not been given any further updates about my request nor have I been placed in a processing forbearance, which would also allow my payments to count. On XX/XX/XXXX I tried calling StudentAid.gov yet again to find out any information I could about my options, my pending requests and was told that I would see an update from them in the following week or the first week of XXXX about my applications and forgiveness. On the XXXX is when I discovered that my payment count had been rolled back yet again to XXXX, I was extremely confused and disheartened, leading me to reach out once more to StudentAid.gov to find out what had happened and if there was anything that could be done. Yet again I was offered no useful information, only that both applications were still pending and had not yet reached 90 days, so to wait until that time. I am feeling frustrated, misled, and deeply misinformed. This is beyond unacceptable and needs to be rectified.
Product: Debt collection

This is for an account I had with a previous landlord. XXXX XXXXXXXX XXXX XXXXXXXX Indiana. They have various parent company names. This account was created XXXX of XXXX. I paid the entire account {$2700.00} IN PERSON at the building to the leasing staff on XX/XX/XXXX. With a signature and I have that receipt. Since that date, XXXX XXXXXXXX via collection company Hunter Warfield have continued to call, mail, and email me stating there is an open balance for this account. I also have the receipt for the money orders and tracking information from XXXX XXXX and XXXX regarding the purchase. I sent this information in XXXX of XXXX stating that via service provider XXXX XXXX- XXXX XXXX XXXX that these money orders were all cashed. I dont know what they did with any of it. But they continue to pursue me for a collection I no longer owe. I have tried 3 times to call and resolve via Hunter Warfield and I still can not resolve anything. I have provided dates, receipts, signatures, tracking. As I said I paid in person the balance and still have issues. I will not continue to be harassed over a false debt.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$21000.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$970.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX : Balance : {$1400.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1000.00} Account Name : XXXX XXXX : Account Number XXXX XXXX : Balance : {$0.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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

I am submitting this complaint regarding MIDLANDCRE for their failure to adhere to the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. Specifically, they did not respond to my debt validation request and continued reporting the alleged account to the credit bureaus, which constitutes a violation under the FDCPA.

Details of the Incident : 1. Validation Request Sent : On XX/XX/year>, I sent a written debt validation letter to [ Debt Collector Name ] via [ Certified Mail/Return Receipt Requested, or other verifiable method ], requesting validation of the alleged debt under FDCPA Section 809 ( 15 U.S.C. 1692g ).

2. Proof of Delivery : According to my records, the letter was received on [ Date ], as evidenced by [ Certified Mail Receipt, Tracking Information, etc. ].

3. No Response Received : Despite the requirement to provide verification or validation of the alleged debt, [ Debt Collector Name ] has failed to respond within the legally mandated timeframe.

4. Continued Reporting : Despite failing to validate the debt, [ Debt Collector Name ] has continued to report the alleged account to credit reporting agencies. This action violates FDCPA Section 807 ( 15 U.S.C. 1692e ), which prohibits false, deceptive, or misleading representations, and specifically the prohibition on continuing collection efforts without validating the debt after a consumer 's request.

Resolution Requested : I request the following actions from MIDLANDCRE to resolve this matter : 1. Immediate Cease of Reporting : Remove the account from my credit reports with all credit reporting agencies.

2. Provide Validation : Provide full validation of the alleged debt, including : o Proof that the debt belongs to me.

o Documentation showing the original creditor and amount.

o A copy of any signed agreements or contracts.

3. Cease Collection Activities : If the debt can not be validated, I request that [ Debt Collector Name ] immediately cease all collection activities related to this account. 
Complaint Summary : Company Name : MIDLANDCRE Account Number : XXXX Issue Type : Failure to respond to validation request and continued reporting. 
I believe that MIDLANDCRE has violated my rights under the FDCPA, and I seek assistance from the CFPB in resolving this matter.

Attachments : Copy of the validation letter sent.

Proof of delivery ( e.g., certified mail receipt, tracking information ).

Credit report showing continued reporting.

Thank you for your attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 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: Credit reporting or other personal consumer reports

FORD MOTOR CREDIT Reported : XXXX XXXX, XXXX - {$9300.00} Closed Overview You have 33 % left to pay on this loan. 

Balance {$9300.00} Highest Balance $ XXXX  Monthly payment {$0.00} Opened XXXX. XXXX, XXXX ( 8 yrs, 6 mos ) Term 77 months Payment History Last payment XXXX XXXX, XXXX Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Derogatory Type Auto Loan Responsibility Individual Remarks Charged off as bad debt Dispute resolved; customer disagrees Times 30/60/90 days late 0/0/0 Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

BARCLAYS BANK DELAWARE This company was trying to open credit card under my Date : XX/XX/2021 also XXXX Inquiry Date : XX/XX/2021 this one I never authorized
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I had received an email about being approved for a credit card for XXXX, but I hadn't applied to a credit card through XXXX. 


In XXXX of XXXX I was informed via email that my application for a credit card through Capital One had been denied, but I hadn't applied to a credit card through Capital One.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX has violated my rights. 

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
Product: Debt collection

This account just recently showed up on my credit report. I was not made aware of this company or the amount that they are claiming that I owe. I haven't received any notice in regards to this the company just reported straight to my credit report. This company claims I owe {$1200.00} as of XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. PLEASE THOSE INACCURATELY PLACED INQUIRIES NEEDS TO BE REMOVED OFF MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXXXXXX XXXX XXXX # XXXX This account is unrecognizable. Please remove. 
XXXX XXXX XXXX # XXXX This account show 120 days past due from XXXX. You can not have 3 consecutive months of the same number of days past due. This is non-factual reporting. Please remove. 
XXXX XXXX XXXX # XXXX This account show 120 days past due from XXXX. You can not have 3 consecutive months of the same number of days past due. This is non-factual reporting. Please remove. 
XXXX XXXX XXXX # XXXX This account is unrecognizable. Please remove. 
XXXX XXXX # XXXX This account show 120 days past due from XXXX. You can not have 3 consecutive months of the same number of days past due. This is non-factual reporting. Please remove. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results
Product: Credit reporting or other personal consumer reports

I have sent multiple letters, online disputes and emails concerning the information in my credit report being inaccurate. I am not associated with the information reported on my credit report. I have sent proof of address etc. I am being denied of proper use of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my rights. 

Account : XXXX XXXX XXXX I have disputed this account, its inaccuracies multiple times with Equifax but they still remain. I also spoke with a representative at XXXX and they had agreed to remove this account from my reports. Equifax has failed to remove this account! I am in my legal right to sue. 

Last Verified Date -- Does NOT match XXXX OR XXXX Date of Last Activity -- Does NOT match XXXX OR XXXX! 
Date Reported -- Does NOT match XXXX XXXX XXXX! 
Account Rating -- Does NOT match XXXX XXXX XXXX! 
Last Payment Date -- Does NOT match XXXX OR XXXX! 

Each inaccuracy can carry a fine up to {$1000.00} each against Equifax in court! 

I demand in my legal right this account be removed from my report immediately!
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : Self Financial/Lead Bank Account ( XXXX ) # XXXX and XXXX ( Late date Both Accounts XX/XX/XXXX ) XXXX XXXX XXXX Account XXXX XXXX ( Late Date ( XXXX ) : XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX This Company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, The Law States ( b ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

These Consumer Reporting Agencies can not furnish any of these accounts because I Did Not give my written instructions.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not
include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is also an unfair act to report late payments inside their payment grace period most of the payments for XXXX XXXX XXXX was reported before grace period in the year of XXXX. 
XXXX XXXX & XXXX late charges It is illegal to report late payments without the person consent.
Product: Credit reporting

I 've been waiting since XXXX XXXX for the state of XXXX to investigate a tax lien against me. The lien was for unpaid state income taxes in XXXX, which was not valid as a I was a XXXX resident. Finally, the state 's taxpayer advocacy office provided me with the attached letter saying I did not owe the state and that the lien should be rescinded. I 've disputed the lien on my credit report for all XXXX bureaus, providing the letter from the state as proof, but the bureaus will not remove the item. I am seeking to have the lien completely removed. I 'm hoping this can be done soon, as I need to help my mom buy a car.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

I had an auto loan with chase auto finance that ended up being a total loss on XXXX XXXX XXXX XXXX paid their portion of the loan in XXXX XXXX and I contacted the dealer I purchased the vehicle from to fax the gap paperwork so I can get gap to cover the balance asap. I got in touch with gap and got the process going and never heard another word from chase or gap. I checked my credit in XXXX XXXX and saw I still had a balance on this loan so I sent a letter to chase asap and they responded that the loan was paid in full and closed. spring XXXX I noticed when I went to purchase a vehicle the lenders kept denying me saying I was 60 days late within 24 months so when I looked chase marked me for date of first delinquency XXXX and 60 days late with account paid and closed XXXX. I contacted chase and disputed several times through the credit agencies. the chase reps I spoke with went above and beyond to help me and had a few lates I got from moving out of state due to the payment issues I had because I did n't have statements to send with the payments and I greatly thank them for their help and understanding. they had trouble with the account being locked and archived when they tried again to correct the issue so during the cra dispute process someone at chase that handles the disputes changed my status from 60 days late to 91-120 days late and that I 'm XXXX payments past due and no matter how many times I dispute it everytime I dispute it and they report it the same my credit score goes down more and more. the lates are still removed from the payment history and I thank them for that. XXXX and XXXX XXXX are the only XXXX I 'm concerned with XXXX reported correctly.
Product: Debt collection

XXXX refuses to communicate with Bison Recovery Group concerning my closed account. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX [ SEQUIUM ASSET SOLUTIONS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit card company is not reporting ( my correct balances ) to the credit report agency in a timely and accurate manner. I am not receiving my billing statement from this credit card company in an accurate and timely manner. With this credit card I requested to have it delivered to me via electronic mail, but have not received one for XX/XX/2018 billing statement cycle. This credit card company is not updating my information to Transunion accurately. My online account does to reflect correct account information in real time from this credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX XXXX {$3100.00} XXXX  XXXX {$2500.00} CHAPTERXXXXBANKRUPTCYXXXX {$0.00} CHAPTERXXXXBANKRUTPCYXXXX-XX/XX/20-XXXX-XX/XX/20 {$0.00}