23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Jefferson Capital Systems refuses to investigate my dispute. I have opened 3 separate disputes and the company has not provided any proof that the debt was incurred by me. They continue to send collection letters by mail. There website gives no option for dispute and my call was disconnected when to attempted to call. They continue to ignore the dispute process and attempt to collect on an account that was opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a charge off on my account from XXXX ACCT # XXXX for the amount of {$3800.00}. This was a 2020 Infiniti XXXX XXXX  month lease that was paid in full and returned at lease end. We never received a bill, call or email letting us know of a balance. 
I did send a letter to the bank and also a dispute to the credit bureaus for inaccuracy. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602A.states I have the right to privacy.

15 U.S.C 1681 section 604 A Section2 : It also states consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

In early XXXX ofXX/XX/XXXX, I tried to XXXX some money to a friend from my personal BMO Harris checking account and got the following error message : " For security reasons, we've restricted your access to this service. Call ( XXXX ) XXXX to resolve the issue. '' I called that number and the bank 's main Customer Service number and spoke to five different people over the course of the past three weeks. One of the first reps I spoke to told me that my XXXX account had been frozen but couldn't tell me why. I elevated the situation and eventually talked to someone who said that there is a pending fraud charge against my XXXX account related to a XXXX transfer from XXXX XXXX XXXX in the amount of {$100.00}. XXXX XXXX was a prospective tenant who was applying for a vacancy in one of my rental units and sent the {$100.00} to pay for the application fees for her and her roommate. She did not get the apartment and she probably filed a fraud charge against me to get her money back. I have never gotten a phone call or email from anyone at BMO Harris Bank about why my account was frozen, is still frozen, who's working on a resolution, what the status of that resolution is. Every time I call, someone puts more " notes in the system '' and tells me I should be hearing something soon. I need your help to resolve this.
Product: Credit card or prepaid card

Applied for Bank of America XXXX XXXX XXXX XXXX late XX/XX/ 2021. 
Instant reply was : Denied, we will send a letter explaining why Received letter to my military APO address XXXX XX/XX/2021, dated XXXX XX/XX/2021, stating the application was not approved because, " You are currently or have recently been enrolled in a consumer credit counseling service or a reduced payment plan. '' A check of the XXXX  credit report they CLAIM to have used to disapprove credit shows NO such information and no indication of any such service or payment plan This is behavior by Bank of America ( B of A ) is problematic for three reasons : 1 ) Neither I nor co-applicant nor anyone in my household is or has been enrolled in a consumer credit counseling service or reduced payment plan - NONE. This matches the ABSENCE of ANY such notation in Credit Report. Credit report is not wrong, only B of A 's false claim / excuse is wrong. 

2 ) Was this actually B of A discriminating against Americans XXXX  XXXX  with U.S. Military addresses, even when a credit report verifies those military addresses? My credit score from XXXX was over XXXX, according to B of A 's letter of denial, and claim of " consumer credit counseling or a reduced payment plan, '' proved false by looking at credit report. So, why the false claim and why the denial? What other hidden criteria did B of A ACTUALLY use to deny credit? Why did they lie about it in their written explanation? 

3 ) Even if we HAD been enrolled in credit counseling ( we are/were no ), it seems worrisome that receiving consumer counseling services would be a negative thing used to deny credit. Shouldn't disapproval of credit be based on ACTUAL losses or failures to pay rather than consumer education received?
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX is using my name to try and get approved for a car, we share the same birth month and date. she had my credit ran five times in one day. 
XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX RI XXXX ; XXXX XXXX ; XXXX, XXXX, L ; XXXX, XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX  WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Owed : {$85.00} ; XXXX XXXX XXXX XXXX Owed : {$19000.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

The company " Select Portfolio Servicing '' on XX/XX/XXXX statement show the payment for the month of XX/XX/XXXX a payment wasn't applied for {$1900.00}. On XX/XX/XXXX I  made payment for {$1900.00} also in XX/XX/XXXX other payment for XXXX. In XX/XX/XXXX I sent ( 2 ) payments to the company of " Select Portfolio Servicing '' and only one payment paid from my Bank account for the sum of {$1900.00} On my history payments XX/XX/XXXX to  XX/XX/XXXX I paid to them {$15000.00} to " XXXX XXXX loans '' and " Select Portfolio Servicing '' of which is the same account in the mortgage. The company of " Select Portfolio Servicing '' send me In XX/XX/XXXX I paid them only {$5400.00} of which is not the right information
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S auto credit continues to report late payment on a charge off account which is violating my federal rights. Ive disputed item to request debt validation and never received any. I request U.S auto credit to prove I owe the debt in 30days or have it deleted as it is messing up my credit so bad. Attached a copy of credit report and how they really messing up credit. XXXX is doing nothing but keep reporting accuracy on the account. This is fraud to report closed account!!!
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX to resolve/settle a debt for over XXXX XXXXXXXX that was previously held by a company named Sentral Financial LLC that i have never done business with. When i searched Sentral Financial LLC i see that they are not closed/out of business and that they have several reviews about sending people demand letters for loans they did not take out with them. I contacted XXXX XXXX XXXX to tell them this information and to let them know this is not my debt and i have never done business with Sentral Financial LLC and have not gotten a response. Neither of these companies seem to be doing legal practices. Other people should be warned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECIEVED MY REPORT FROM CREDO CORELOGIC AND DISCOVERED FRAUDULENT NAMES AND ADDRESSES ON XX/XX/2020
Product: Debt collection

Hello, My name is XXXX XXXX, Consumer, who currently resides at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint because Consumer Adjustment Company , Inc., XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, and nonaffiliated third parties, have violated many Consumer Protection and XXXX  and Privacy Laws. Consumer Adjustment Company , Inc., is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, XXXX, severe financial distress, causing him to be unable to extend credit. This account needs to be deleted and permanently removed from the XXXX, XXXX, and XXXX credit file of XXXX XXXX, XXXX.
Product: Credit card or prepaid card

For over a year Ive had issues with XXXX XXXX ( which services two of my store cards ) and their system processing my checking account with payments. Ive called the company multiple times, explained the issue, and been asked several times if my account information is correct. After assuring them multiple times that not only is my account information correct, but that I have no issues using it for any other bill payments, the company often has allowed me to use a debit card without paying an extra fee. Last time I called to resolve the issue, the service rep on the other end told me Well, its not late yet and said she couldnt do anything and I should call my bank to see if anything has changed ( it has most definitely not ). Ive now fallen behind on the payment due to the inability to use my checking account information and I am receiving nearly 20 calls a day from their system attempting to get in touch with me about it. Today was the final straw when between XXXX and XXXX I received 13 calls from them.
Product: Credit reporting or other personal consumer reports

I previously filed a complaint against XXXX XXXX XXXX and TransUnion & XXXX for multiple FCRA & FDCPA violations, yet despite my request, the credit bureaus failed to correct the inaccurate information and instead closed my dispute without resolution.

This account remains in violation for the following reasons : Failure to Properly Validate the Debt ( FDCPA 809, FCRA 611 ( a ) ( 1 ) ( A ) ) The response I received simply stated that the account was " verified as reported, '' yet no actual validation documents were provided.

Under FDCPA 809, the furnisher ( Credence RM ) must provide documented proof of the debts validity, including an itemized breakdown of charges, original contract, and legal assignment of the debt.

The bureaus failed to investigate properly, violating FCRA 611 ( a ) ( 1 ) ( A ), which requires them to verify information with actual supporting documentation from the creditornot just accept a response from the furnisher.

Re-Aging of Debt ( FCRA 605 ( c ) ) The Last Activity date was wrongfully changed to extend the reporting period illegally.

Per FCRA 605 ( c ), a charge-off must be removed after 7 years from the original delinquency date, not from when the debt was sold to a new collector.

This illegal re-aging artificially extends the time this negative account remains on my report, which is a direct violation.

Duplicate and Misleading Reporting ( FCRA 605 ) The account is being reported under two different names ( " Credence RM '' and " XXXX XXXX  XXXX '' ), causing double damage to my credit. 

This constitutes inaccurate and misleading reporting, a clear violation of FCRA XXXX, which requires all information on a credit report to be accurate, complete, and not misleading. 

Failure to Update Account Status Correctly ( FCRA 1681s-2 ( a ) ( 1 ) ) This charged-off account is still listed as " Open '', which is incorrect.

A collection account should never be reported as " Open '' because the original creditor has already written it off.

This misrepresentation is damaging my credit score unfairly and violating FCRA 1681s-2 ( a ) ( 1 ).

False Payment History Reporting ( FCRA 1681s-2 ( a ) ( 1 ) ) The account still reflects missed payments after charge-off, which is not legally accurate.

Once a debt is charged off, no further payments should be reported, yet late payments continue to be recorded, falsely lowering my credit score.

Failure to Provide a Properly Itemized Balance ( FDCPA 1692e ) The balance being reported ( {$2800.00} ) lacks proper breakdown or itemization.

FDCPA 1692e prohibits false or misleading representations, including misrepresenting the amount owed.

If interest and fees have been added unfairly, this debt amount is inaccurate and should be corrected or removed entirely.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used Paypal quite frequently. My email linked to my Paypal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX has been reporting to my credit profile for the past several months and even has payments that I never made. The account was also closed but was reporting as current and up to date payments but again I never paid on this account because I was not aware of it. According to the Fair Credit Reporting Act Everything has to be 100 % inaccurate on my credit report.15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt No one can provide me proof of who the original creditor is, but they want me to pay it. I sent certified letters back in XXXX XXXX asking for proof and yet ; they still fail to provide the information. I am feeling harassed and beaten at this point because I have tried everything. Please help me figure out who this creditor is reporting this inaccurate information so I can have it removed. The bureaus are not doing a proper investigation with this account because no one knows who the original creditor is ; not the debt collector, not myself and not the bureaus. This sounds like ground for removal. They are mailing e constantly and calling from different numbers asking me to pay a debt I know I don't owe.

Debt collectors may not harass you or anyone else, over the phone or through any other form of contact.

Any debt collector who contacts you claiming you owe payment on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That you can request the name and address of the original creditor, if different from the current creditor
Product: Debt collection

I have repeatedly requested they send me a validation notice. I still have not received anything to verify thier claim of money owed. There is nothing to access online. I am told they are unable to email it, paperwork would be mailed. I have yet to receive any mail correspondence. Per FTC guidelines I should have received that documentation within 5 days of initial contact. 

They have left voicemails on my shared cellular phone number stating that they are a debt collector attempting to collect a debt. The caller leaves the ARG phone number but the caller doesn't disclose their name or the company name in the message. I had to do a web search on the phone number to find out who it was that called. This is another violation as the FDCPA does not permit debt collectors to disclose personal information to any third party.

I have never signed a HIPPA release form for the alleged creditor ARG to have access to any of my medical information.
Product: Vehicle loan or lease

I am XXXX and have had Health issues that are out of my control. And have had a really tough time paying my bills due to the economy and the prices to live going up. Ive called and told them. Begged for them to work with me, this vehicle is the only vehicle I have. I have drs visits and stuff I have to be able to get to. They repoed the vehicle last night. Didnt knock on the door or attempt to contact me. After calling they want the full payoff. Not whats past due. They refuse to work with me and are very hateful. Ive had severe anxiety over the whole situation for days and I cant take nothing else.
Product: Debt collection

On XX/XX/2019 Scott and associates called, my fathers home, and ask for me. I do not live there. So my dad gave me the number. i called them and they ask for the last 4 of my ssn so they could identify it was me. So like an XXXX i gave them the last 4 only, of my ssn, then they claimed i was not the person they were looking for? I feel this is a scam.
Product: Credit card

I have been having many issues with Capital One I recently started by using my card and making multiple payments through out the month and still getting charged Interest through the roof where it looks like I havent made triple payments on my accounts. I asked for a lowered interest rate a few months ago they refused. Today I went to make a payment on my account prior to their XXXX XXXX  deadline but they had it locked where I couldnt even make a payment today which is my due date which makes the payment process the next day which in turn I will be charged a late fee. I tried to call and it took a very long time before the automated system even transferred me to live person and he was rude and started speaking in a language other than XXXX and refused to take my payment by this time it was XXXX XXXX! This is poor business practice and a trap to get more money out of the consumer and I need this reported and investigated because it is wrong on all levels! I refuse to pay a late fee when I always pay my bills on time and this will also affect my credit when I work hard to keep my credit score good and pay my bills on time. I am not happy that I have to spend this time reporting this but it had to be done. Capital One needs to be investigated and reported to the Federal Government for these poor business practices. I have tried to contact on multiple occasions only to get disconnected and have poor customer service representatives who do not care about the customer and just try to make as much money as they can off of the customer. This is illegal and needs to be stopped. Again all day Ive been trying to pay my bill and they locked it from being processed today and automatically switched it to tomorrow so it registers late and therefore a late fee and customer service was of no assistance and hung up the phone after saying something in another language.This is not cool or right at all..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX and HSBC have violated my rights. Under 15U.S.C1681 SECTION 602, states I have the right to privacy. Under 15USC81 SECTION 604A SECTION 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC SECTION 1666B a creditor XXXX not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

The account is inaccurate and do not belong to me, please delete.
Product: Credit reporting or other personal consumer reports

I have made the credit bureaus aware of false and inaccurate information on my credit reports and they refuse to take that information off my reports..
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXXXXXX I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Vehicle loan or lease

All NORMAL PAYMENT Processing {$200.00} XX/XX/XXXX Normal Payment {$650.00} XX/XX/XXXX Normal Payment {$200.00} XX/XX/XXXX Normal Payment {$300.00} XX/XX/XXXX Late Fee Assessment - {$5.00} XX/XX/XXXX Late Fee Waived {$5.00} XX/XX/XXXX Normal Payment {$280.00} XX/XX/XXXX Payment Reversal - {$280.00} XX/XX/XXXX Normal Payment {$280.00} XX/XX/XXXX Late Fee Assessment - {$5.00} XX/XX/XXXX While payments will post to your account when made, it may take up to 48 hours for you to see them on Bridgecrest. Please check back at a later date if you recently made your payment. If you have any questions about your account activity, please contact customer service at XXXX. Principal Only Payment {$18000.00} They only updated past due amount owe. My credit report is still showing late payments and that I owe them {$23000.00} and that is false information. Everytime I call they say they can not help me and they have nothing to do with credit reporting.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.