23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally complain about the actions of Jefferson Capital System concerning an alleged debt they claim I owe. Despite multiple requests for validation, Jefferson Capital System has failed to provide the necessary information as required by 12 CFR 1006.34 ( b ) ( 5 ). Moreover, they have improperly placed a collection entry on my credit report without adhering to the required procedures. I am particularly concerned about the following violations : Failure to Validate Debt : Jefferson Capital System has not provided validation of the debt as required by law, which includes details about the original creditor and account number. Failure to Afford Dispute Opportunity : I have not been given the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Violation of Reporting Requirements : They have reported this debt to consumer reporting agencies without fulfilling their disclosure obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). I am requesting that you take the following actions : Immediate Removal of the Collection Entry : Ensure that the incorrect collection entry by Jefferson Capital System is removed from my credit report. Cease All Communications : Direct Jefferson Capital System to cease all forms of communication with me, including email, text messages, and phone calls, as I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to revoke these methods of communication. Provide Proof of Compliance : Require Jefferson Capital System to provide : Validation of the debt, including details of the original creditor, account number, and supporting documentation. The purchase agreement with XXXX XXXX and any related documentation showing that Jefferson Capital System had the authority to report this debt. Proof of licensing and bonding to operate as a debt collector. A certified mail receipt proving that I received proper notification regarding this debt. I did not receive the necessary communication or validation and dispute opportunities, so it is crucial that this collection entry be promptly removed from my credit report. Thank you for your immediate attention to this matter. I trust that you will ensure this complaint is addressed promptly and that appropriate actions are taken to rectify these violations.
Product: Money transfer, virtual currency, or money service

I, XXXX XXXX, am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ) and XXXX XXXX XXXX credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Product: Credit card

XX/XX/2015 I wanted to rebuild my credit so I contacted my banker at Wells Fargo by phone and asked him what are my options to help me achieve the goal. He told me my best option will be to open a secured card with wells fargo and within a year of opening I will be graduated to their unsecured card and have my collateral returned to me. All this sounded good to me and I agreed to put a collateral of {$300.00} down to get a credit limit of {$300.00}. The card was working fine and I thought I might change my limit to {$600.00} so I put an additional {$300.00} for collateral for a credit increase. Everything was working great. But after 1 year had passed and I did not see any change happen on the account I contacted the customer service via phone to see what was going on this. I was transferred to a supervisor ( His name was XXXX ), who had a look at my account and said that I should have already been graduated and he will email the corporate to look into this and I shall hear back within a week. So I waited a week and called back yesterday again and I was told by another supervisor ( name XXXX ) and then finally by a representative from the credit customer care that the previous supervisor lied to me straight up and they can not do anything about it ( this was all on a recorded line ). So after being super frustrated that a supervisor will lie to a customer right on the face on a recorded line I asked so what is happening with my graduation to be told that they can not say anything as this is a automated process while being super rude about it. So basically what it boils down to is that the banker at the branch did n't tell me everything and just opened an account on the pretense that I will be getting my collateral back within a year. He did not take any signature or anything and just verbal confirmation ( which according to law is as good as a contract ). I feel super cheated by wells fargo and looking at their recent wrongdoing findings makes me question if I will ever see that {$600.00} back. This and on top of they have kept charging me annual fees for breaking their own promise and a representative of the company speaks for the company itself. So I will like my money back oir need to know why was lied to and defrauded by the banker ( just to meet his sales numbers? ). And all what I have written can be looked in the recorded conversation that wells fargo has had with me.
Product: Debt collection

On XXXX/XXXX/16, I received an online alert from XXXX Credit monitoring for which I am a subscriber. After reviewing my credit report, I noticed a new collection account for STELLAR RECOVERY INC that was reported via XXXX ( account XXXX ). I obtained my free credit report from XXXX on XXXX/XXXX/16 and filed dispute XXXX. On XXXX/XXXX/16 XXXX removed account XXXX from my XXXX credit report. On XXXX/XXXX/16, I received another online alert from XXXX Credit stating that STELLAR RECOVERY INC reported the same account that was previously deleted from XXXX to XXXX on XXXX/XXXX/16. I have previously called STELLAR RECOVERY INC and there only methods for disputing an item directly with them is to email your social security number via unsecured public email or to call an answering maching and leave your social security number. Neither of STELLAR RECOVERY INC methods for communication are reliable, documented or secure. I am deeply concerned that STELLAR RECOVERY INC is shopping credit bureaus to solicit a settlement for a debt that I do not owe. This unscrupulous behavior is harrassing and time consuming since they are bouncing the debt around to varying credit bureaus. The contact information for STELLAR RECOVERY INC is as follows : Stellar Recovery Inc, XXXX XXXX XXXX XXXX XXXX, XXXX MT XXXX Phone : ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Arvest Central Mortgage is reporting that the account that was held by my wife and I was " discharged through Bankruptcy '' and it was not. The account ( {$110000.00} ) was sold to another lender prior to us filing for BK and last reported on XXXX-14 by Arvest as it states on the credit report. The date we filed Bankruptcy was XXXX-14 and as you can see there is no possible way it could have been included in the bankruptcy as it was filed one month after Arvest Central Mortgage sold the loan to another lender. Even the new lender posted it as paid in full after we paid it off. I have disputed this information at least 4 times 2 online and 2 by phone and they will not take off the discharged through bankruptcy. This account was Paid in full and never late! The only thing that was ever changed was they added the words in the comment section Purchased by another lender. because of this it shows up as a negative item on my credit report.
Product: Debt collection

On XXXX XXXX of XXXX Porfolio Recovery Associates called me Attempting to collect a debt. While on the phone I spoke to XXXX XXXX who informed me that on XXXX XXXX,XXXX.I supposedly made a payment of {$100.00}. I proceeded to hang up. I did some investigating of my own and found out that my Account went into delinquency on XXXX XXXX of XXXX. I am only XXXX I only have had XXXX bank accounts so far XXXX and XXXX XXXX. I called XXXX and they said my bank account closed XXXX XXXX XXXX therefore there is no way I could have made a payment on XXXX XXXX of XXXX if my account closed on XXXX I also called my current bank XXXX XXXX and they said they have no transaction of {$100.00} on XXXX XXXX of XXXX. Porfolio Recovery Associates made a false payment on my account so that they could contact me because they knew that without that false payment being on file they would have violated my statute of limitations. I want to file a complaint!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi - I hope all is well. I am being harassed by Santander bank. Santander decided to intentionally remove my payment history after my class action settlement offer. This dropped my score 30 points. This is not the first time that they have altered my charge off trade line to drop my points out of nowhere. I have contacted them to correct this and they claim there is nothing they can do. 

Santander is in the midst of a lawsuit for their illegal business practices and intentionally reporting wrong info to CRAs yet they are still trying this with me. Please remove this account to remove the harassment from my life. 

Santander is also reporting the account differently to each CRA. Below are the dates the account is being reported to each CRA. 

XXXX : XX/XX/2017 XXXX : XX/XX/2017 XXXX  : XX/XX/2017 I have a postcard from my class action settlement which they have yet to settle and supporting paperwork for everything mentioned above. Thanks in advance and I look forward to hearing from you soon.
Product: Mortgage

We are processing a short sale wit h Capital One.  Our first submission was   XXXX   XXXX   and we took this file over from a different short sale attorney. Their first submission was   XXXX   XXXX  . To date they have rejected our offers 3 times, indicating the needed a " higher offer. '' Our first offer was {$140000.00}, the second was {$140000.00}, and the third offer was {$150000.00}. Adding further insult to injury, each time they have rejected our offers I have specifically asked them what purchase price or net amount they need to process the short sale. Each time they have indicated they do not provide an amount of a purchase price or net required to process a short sale.     On   XXXX   XXXX   XXXX  , I spoke with our client who received a call form  Capital O  ne i ndicating they needed to list the property for sale for an additional 15 days. I contacte d Capital One  to inquire about this requirement. I spoke with  XXXX   I  asked her about request and weather we could waive it since it 's been listed for almost a year. I was transferred to  3  different people, and finally got to speak with  XXXX , our short sale rep. and ordered the appraisal with our realtor. He said the same thing they all have said. " That 's just the process. '' I informed them it 's not an appropriate way to do business. It 's not operating in good faith with our buyers. I told them I would be filing a CFPB complaint and she asked if I would like to speak with the office of the President, I said yes. She came back on the line and said  XXXX  from ethics team will assist me and hung-up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has this account as a charge off? this should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax got hacked and took 1 month to tell us about it. All of my personal financial information is out there in the open. I ca n't just change all of my account numbers. This hack is going to follow me around for the rest of my life. 

To top it all off, Equifax wo n't even give us lifetime credit monitoring. They give us a year, at most, if we agree not to sue them. I have to freeze my credit now, and these XXXX are making me pay for the privilege. Their incompetence is costing me money.
Product: Mortgage

Rushmore refuses to verify the accounting of my loan they have NO RECORDS from the preious Servicer 's and no one knows where my overpayments were applied. I have REPEATEDLY REQUESTED MY SERVICING FILE AND TO DATE HAVE NOT RECEIVED IT. 
They fraudulently foreclosed on my home and are trying to evict me despite denying my right to redemption, my right to have the debt validated, my right to know where my Money went There is over {$96000.00} in payments that someone has.
Product: Credit reporting or other personal consumer reports

Capital One sold this account to a collection attorney. This account is showing on my credit report as, Account charged off. {$10.00}, XXXX written off. {$6.00}, XXXX. Since this account was written off /charged off, Capitol One failed to provide me with a 1099c tax report. This inaccurate information was reported to all credit bureaus affecting my score and lending opportunities. I am requesting a copy of the 1099c. For accuracy purposes, the 1099c report must be provided to me for further tax review.
Product: Checking or savings account

XX/XX/XXXX I noticed XXXX unauthorized actions on my XXXX  with XXXX XXXX from XX/XX/XXXX one was for {$730.00} to XXXX and XXXX for {$54.00} was to XXXX for event insurance. I still have the XXXX card in my possession so someone must have got the card information from online somehow. I called XXXX XXXX customer service line to report the unauthorized charge. They said they would email me a form to fill out and cancel my old card and send a new card. They told me not to do anything else until I heard from their fraud department. I never received the form, I followed up on XX/XX/XXXX and requested a case number and a phone number to call someone in the fraud department who was dealing with the request. They did provide a case number # but said they would contact me and did not provide a customer service number. An hour later I received an email saying that they had completed all requested actions on the case. I still had not received a form or phone call from the fraud department and the unauthorized charge is still on my account.
Product: Credit reporting or other personal consumer reports

My home loan was sold from XXXX XXXX to XXXX XXXX XXXX in XX/XX/XXXX, I was not even notified. it was then reported that my loan was 30 days behind but it was not. I showed proof that I was not behind with XXXX XXXX but it seems as no company would listen. I kept contacting both companies and couldn't get any help. My credit profile kept saying that I was 30 then 60, then 90 etc ... days behind. Also my Federal VA loan fell under the protection of a moratorium even If i could not pay and should not have been reported on my credit profile as delinquent. Here 's the proof of that moratorium protection. 
XXXX XXXX XXXXXXXX This moratorium was extended to XX/XX/XXXX I would like those late payments removed from my credit profile. staring from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone attempted to open 5 different credit cards in my name using stolen information on XX/XX/2017. I was alerted by XXXX XXXX of this attempted fraud. I contacted each lender to explain the situation. I asked that the requests for credit be declined or the account closed and that the hard inquiry be removed from my credit report. It has now been almost 8 months and Capital One ( Saks card ) STILL has not removed the hats inquiry from my credit report. All the other lenders did so immediately.
Product: Debt collection

Dear One Main Financial It has come to our attention that you have been using our copyrighted material without authorization. As the owner of the copyright, we take this matter very seriously and demand that you cease and desist all unauthorized use of our copyrighted material immediately. 

We understand that errors or misunderstandings can occur, but we must insist that you rectify this situation promptly. Failure to do so may result in further legal action being taken against you.

We are willing to discuss a resolution to this matter, but it is imperative that you contact us as soon as possible to address this issue. We value our intellectual property rights and will take all necessary steps to protect them. 

Please respond to this letter in writing within 30 days to confirm that you have ceased using our copyrighted material and to discuss a potential resolution. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX rights reserved XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX  party. They in fact did not come from a XXXX  party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Product: Debt collection

On or around XX/XX/XXXX I received a copy of my consumer credit report from XXXX  and XXXX  upon careful examination of my reports I discovered an auto loan that was open in my name that didn't belong to me with Credit Acceptance corporation in XXXX Michigan. Since I had been an ongoing victim of identity theft since XXXX I immediately reached out to the credit bureaus explaining to them that I had not opened a car loan account with Credit Acceptance and sent them my I.D . theft affidavit that I had filed with the Michigan Attorney Generals office in XXXX. I asked them to contact Credit Acceptance on my behalf and provide me with a wet ink contract that bears my signature and contract with the company binding me to this debt. After two months with no response I became frustrated. So on XX/XX/XXXX I reached out to Credit Acceptance and told them that this account didn't belong to me and could possibly belong to a family member with the same name. I spoke with someone name XXXX in the Compliance department. She had me fax over my I.D . a copy of my birth certificate and a copy of the I.D.theft affidavit. I went on to tell her that I was an ongoing victim of identity theft. She reassured me that she would get to the bottom of the matter and get with me as soon as possible. Months went by with no word from her or the company. Repeated numerous calls were made to the company attempting to resolve this matter. When someone finally contacted me the person told me that they knew that the account didn't belong to me and that it was more than likely opened up by a family member with the same name. They also informed me that it was nothing that they could do about it and that it would be up to me to go after this person. Furthermore they told me that this debt would remain on my credit report. After experiencing my identity stolen and me doing everything that I thought possible to do to prevent from this happening again I felt devastated. How could a company put a debt on your credit report even after they found out that you were not the one who opened the account? Why weren't they required to produce the wet ink contract that was signed at the time of this account being opened? So fast forward five years and this account is still on my credit report adversely affecting my credit score and damaging my credit worthiness. Ive sent numerous letters to the credit bureaus disputing this account and asking for them to make Credit Acceptance show proof or verification of this debt with a wet ink contract bearing my name and signature. All to no avail. Ive also asked them to show me their method of verification. They respond the same as usual and tell me that the account was verified and it is still on my credit report. So in another good faith effort Im reaching out to the CFPB in hopes of getting these items removed off of my credit report for good.Thank you in advance for your time and consideration regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXXXXXX. Also I have fraudulent unauthorized inquiries listed on my credit report for the following : XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2021, XXXX XXXX XXXX XXXX Inquiry : XX/XX/2021, XXXX XXXXL and Inquiry : XXXX. XXXX, 2021. Please remove. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.