23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called Jefferson Capital Syst XX/XX/2024 to discuss a Derogatory Account that was placed on my credit XX/XX/2024. After waiting 30 minutes on the phone XXXX answered. He alerted me that this conversation is being recorded, he read me the collect debit memorandum, and then ask me the reason for my call. I explained to him that Jefferson Capital placed an account that shouldn't be there. He then asked for my date of birth I complied. XXXX then informs me that they don't have an account like that with my name attached to my birthday, I explained that you're correct it's not mine. Apparently, he could no longer help me, and it seems that because he couldn't find it, he was lost, and had no clue as to how to help me. 

Derogatory marks XXXX XXXX collections / XXXX public records Fair Rating High Impact Learn more about ratings Based on your credit report information from XXXX on XX/XX/2024. 
We noticed negative marks on your report Derogatory marks generally stay on your report for XXXX years, but their effects can start to fade over time. 
Karma Pro Tip The federal Consumer Financial Protection Bureau has excellent resources for dealing with debt collection. 
Collections JEFFERSON CAPITAL SYSTEM Opened XXXX {$1000.00}
Product: Payday loan, title loan, personal loan, or advance loan

During XXXX I used Affirm to make purchases from XXXX, and my payments to Affirm were both automatically taken out of my bank account, or paid by me on their website. In XX/XX/year> I received a letter from them telling me " I was all paid up '' and had completely paid off my account. Subsequently I began getting notifications from Affirm that I had an outstanding balance of over {$500.00}. I contacted Affirm, completed their online " fraudulant '' loan activity, but did not get a response. Upon calling them I was told they were looking into the matter and I should ignore the repeated emails they sent about the outstanding debt. Eventually, the matter was sent to a debt collection agency, XXXX, who completed an investigation and informed me that they were not going to pursue the matter based upon what Affirm had sent me in terms of paying off the loan. 
Affirm is contuning to send me emails and has reported this matter to various credit reporting agencies, while still sending me notifications that I have an outstanding debt, which I do not believe I have, considering that Affirm told me I had satisfied the loan.
Product: Mortgage

good evening. at this time i have a strong offer on the property. right now i have an offer of $ XXXX, and the lender came back with the offer did not meet investor requirements. I have asked the lender what does that mean, and i have yet to receive answer. I feel as if the lender did not pay the attention to my offer that it deserves and i want them to go back and look at the offer on a more serious note. 
I am trying my hardest to get the property sold and the lender is thwarting my efforts at every turn. If this is giving me a foreclosure alternative then i am truly disappointed. I only want to try to take care of my responsibility since i failed at the first time. I want to sell the property and i need my investors assistance to sell it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since the data breach in 2017, I have submitted SEVERAL disputes to Equifax for reporting erroneous information on my credit file. Accounts that have been paid and closed still reporting open three months later. Accounts that were in collections that were disputed as not mine and deleted are reported again. Accounts that are showing charged off when they are not but are in fact paid in full. Equifax has even listed my husband 's credit file as MINE and that took an act of congress to get it corrected! I call Equifax every month and no one will help me. There are HUNDREDS of inquiries on my credit file I did not authorize and I submit disputes and Equifax does not remove them. Equifax is THE WORST reporting agency out of the three. Consumers are at their mercy to get report information updated accurately. I submit disputes EVERY month to Equifax and have documentation showing PROOF items are paid in full or deleted but they will not accept them. They keep telling me I have to submit a dispute. Equifax 's mishandling of my credit file has cost me the ability to purchase a home. If a consumer has DOCUMENTED proof of accounts paid in full or items have been disputed with them and deleted, Equifax has a duty to accept these documents and make the corrections accordingly. They NEVER update credit files every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched Letter dated XX/XX/XXXX XXXX Equifax XXXX Accounts 1 ) XXXX 2 ) XXXX We are currently processing and will NOT BE CONDUCTING FURTHER INVESTIGATION. See attatched XXXX C DEBT XXXX 3 ) XXXX CANCELATION OF DEBT XX/XX/XXXX. 
I attatched documents previously Equifax DID NOT ADDRESS A THIRD ( 3 ) Account. I also attatched documentation XXXX XXXX STATEMENT 4 ) XXXX XX/XX/XXXX BAL {$100.00}. Equifax did NOT ADDRESS THIS ACCOUNT. I see four ( 4 ) XXXX DIFFERENT ACCOUNT NUMBERS???
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX I paid XXXX XXXX XXXX XXXX {$240.00} satisfying this debt in full. I am no longer responsible for this debt that is being reported on my credit report as a collection. This debt does not belong to me and should not be reported to any credit bureaus as a collection account.
Product: Credit card or prepaid card

I received 3 credit cards in the mail I did not apply for. I thought they were junk mail until I opened them on Saturday XX/XX/XXXX. All three accounts sent me physical credit cards. 

XXXX. ) Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Visa Signature ) I received a bill statement from XXXX XXXX XXXX XXXX XXXX  card. {$75.00} on XX/XX/31 for " Annual Fee ''. 

Wells Fargo sent a statement with a {$0.00} balance. 

I called each company and successfully closed & blocked the credit card as well as open an investigation into the fraud activity. 

- XXXX XXXX closed Saturday XXXX - XXXX XXXX XXXXXXXX closed Saturday XXXX - Wells Fargo closed Monday XXXX I also received a notification from XXXX XXXX  declining an application " due to number of recent inquiries on consumer report agency '' XXXX was listed. 

I am not sure if there are other fraudulent accounts open in my name in addition to the three listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Inquiries- I've called and advised them many times that these credit inquiries with no credit history status does not belongs to me. I asked if they can remove the inquiries I was told No. As the consumer I have the legal rights to demand removal if and indeed these accounts does not belongs to me.
Product: Credit reporting or other personal consumer reports

FROM XX/XX/XXXX THROUGH XX/XX/XXXX I DISPUTED XXXX ACCOUNTS ( XXXX XXXX XXXX XXXX  ACCOUNT # XXXX AND XXXX XXXX XXXX ACCOUNT # XXXX ) WITH EXPERIAN XXXX XXXX AND XXXX XXXX THOSE ITEMS WERE DELETED IN XX/XX/XXXX. IN XX/XX/XXXX THOSE XXXX ACCOUNTS WERE REINSTATED BY ALL XXXX CREDIT BUREAUS. I SPOKE TO THE AGENTS OF ALL XXXX BUREAUS AND REQUESTED INFORMATION FROM THE INVESTIGATION PER FCRA REGULATIONS SINCE THEY WERE VERIFIED AND NOT XXXX OF THE CREDIT BUREAUS COMPLETED THIS. IVE CONTACTED THE CREDITORS OF BOTH ACCOUNTS TO PROVIDE VALIDATION LETTERS OF THE DEBT AND THEY HAVE NOT COMPLETED THIS AS WELL. EXPERIAN HAS DISPUTED THESE BOTH ACCOUNTS ONCE THEY WERE REINSTATED WITHOUT MY CONSENT ON XXXX OCCASIONS ( XX/XX/XXXX XX/XX/XXXX XXXX. AGENTS FROM XXXX AND XXXX STATED THEY NEVER ATTACHED MY DOCUMENTS TO THE DISPUTES WHICH ADDED AN ADDITIONAL XXXX PLUS DAYS FOR INVESTIGATION. ATTACHED ARE THE LETTERS SENT TO CREDITORS AND CREDIT BUREAUS CERTIFIED MAIL FOR THE REMOVAL AND DELETION OF THESE ACCOUNTS THAT ARE REPORTING ILLEGALLY AND INCORRECTLY ON MY CREDIT REPORT PER ( FCRA ) FAIR CREDIT REPORTING AGENCY WHICH HAVE AFFECTED MY CREDIT SCORE AND PERSONAL LIFE TREMENDOUSLY.
Product: Bank account or service

On XX/XX/2016 I make a Deposit in my Bank of America business account XXXX XXXX # XXXX for {$1300.00}, on XXXX/XXXX/2016 Bank of America make unauthorized withdraw total XXXX from my account, claiming for XXXX ID:XXXX XXXX, I did not authorize Bank of America to make on with draw from my account. can you help please?
Product: Credit reporting or other personal consumer reports

Experian in particular keeps setting my credit rating below par. They want the consumer to pay them tons of fees for nonsense services. Its racism and profiteering at the expense of the American consumer. It has to stop less we create poverty. Please help investigate these 3 bureaus and fine sue them whatever you can do. Im not alone on this and I know other families have the same issue. Selfishness and greed at the expense of others is not the values the America is about and what our kids pick up. Thank you.
Product: Debt collection

I contacted the collections agencies below to advise that the two debts are not my debt. I asked for proof of contracts etc. I was hung up on by both at least once. I then wrote a letter which they received XX/XX/XXXX requesting this information. I did not received a follow up letter. I disputed with XXXX and XXXX several times and it has not be proved to be my debt no removed. I called XXXX and XXXX XX/XX/XXXX asking what should be my next steps. I was told to contact Merchant Credit Guide again. I explained that I've been unlucky in getting assistance from the claiming firm. I called Merchant back on XX/XX/XXXX and spoke with " XXXX '' who stated " we do not have a contract and all that messy you are asking about. Pay the debt. '' I asked again for proof of this being my account and debt owned to Merchant. He then stated " we sent you a letter. '' I said I never received a letter from your company. Can you re-send both letters? He state " I don't think we can send again, we already sent a letter to your address. '' I think said this is fraud and not my account. I will file a complaint against your company for fraud. he said " ok ma'am. '' we ended the call. I have attempted to resolve this with both XXXX and XXXX XXXX XXXX and I've gotten no where. I will not pay for something that does not below to me. I am filing a claim against both agencies and this is fraud. 


Merchant Credit Guide, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX, XXXX Account Numbers XXXX {$340.00} opened XX/XX/XXXX XXXX {$440.00} opened XX/XX/XXXX Collection Department / Agency / Attorney Medical/Health Care {$340.00} and {$440.00}
Product: Checking or savings account

I opened a checking account with HSBC in XXXX of XXXX. The bank disclosed a {$50.00} maintenance Fee if the monthly deposits didn't meet a certain minimum. At the time, I was unconcerned since under normal circumstances my monthly and daily balances would exceed the minimum requirements. 
The COVID hit and my deposits ground to a halt. 
On my statement ending XX/XX/XXXX, I noticed a {$50.00} fee for maintenance. I called customer service on XX/XX/XXXX and was advised this in acknowledgement of difficulties due to COVID, the fee would be refunded and that no additional maintenance would be charged to my account until XX/XX/XXXX. 
On XX/XX/XXXX the fee was indeed reversed, but on XX/XX/XXXX another fee was assessed ( contrary to what I was told on XX/XX/XXXX ) This fee put my account negative by {$2.00}. 
Then on XXXX another fee was assessed resulting in a negative balance of {$52.00}. 
Then on XX/XX/XXXX, they simply and abruptly closed my account and sent it off to collections. 
On XX/XX/XXXX I called them and explained this issue and was told to expect a refund check for {$47.00}. 
A month passed and i didn't receive a check so i called again on XX/XX/XXXX and was told a manager would call me back, but no one ever called. 
I followed up with 2 subsequent calls on XX/XX/XXXX and XX/XX/XXXX respectively and each time I was told that a manager would call me, but still no one called. 
In the interim, they still have my account in the recover ( collection ) department. 
I sent a final letter in XXXX and again was ignored. 
This is despicable behavior under normal circumstances,, but for a worldwide institution to do this to someone like myself in the middle of a pandemic is unconscionable.
Product: Credit reporting, credit repair services, or other personal consumer reports

LENDMARK FINANCIAL SERVICES IS TRYING TO COLLECT ON A DEBT THAT DOES NOT BELONG TO ME. I SENT 3 LETTERS TO THEM REQUESTING FOR VERFICATION AND VALIDATION AND AS OF TODAY THEY HAVE NOT VALIDATED THE DEBT. THE DEBT IS NOT MIND AND DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the credit reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 section 602 states that i have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish and account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose
Product: Credit card

my daughter viva reieved an application for credit card from DISCOVER XXXX with all kinds of bonus credits free XXXX score Apple payback never responsible for any unauthorized purchaces 2 % cash back cash back for good grades ( most predatory of all ) 0 % APR on purchases for first 6 month 13.24 % -22.24 % interest no annual fee cash back match first year offer ( whatever the heck that is ) call their XXXX number under XXXX can only apply on XXXX to get off list if she does n't give permission
Product: Credit card or prepaid card

On XX/XX/XXXX I made two payments to each of my accounts. Capital one debited my bank account four times. Only two payments were credited to my credit card. I made two more payments on XX/XX/XXXX and none of those payments were credited to my capital one account. Capital one claims to have refunded one of my payments on XX/XX/XXXX. My bank statement shows no refund, only withdraws from capital one without posting these credits to my credit card account. I have provided evidence and proof on four separate occasions through verbal banking confirmation via representatives and physical statements to their fax which they have confirmed receipt of transmission. Capital one has not provided any refunds or credits to my account. Instead they added manual payment adjustments of over $XXXX along with late fees for "non payment" as well as interest. I have NEVER been late and 3 out of 4 representatives were very rude and unhelpful
Product: Checking or savings account

On Thursday XX/XX/XXXX, someone got a hold of my debit card number and pin number. They wrote my debit card to a XXXX XXXX device and went into a Wells Fargo Branch. They used the tap function of the debit reader at the teller, and input my pin number. They then withdrew XXXX dollars, and purchased a bank check for XXXX dollars. After XXXX business days, Wells Fargo credited by my XXXX dollar fraud claim, but denied the XXXX dollar fraudulent check claim. Someone who was not me got my money from the company that is supposed to keep it secure, and at no point was their identity properly verified or the transaction seen as strange.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I entered into a deferment with XXXX XXXX for several months due to the covid and losing employment. My deferment was ending in XXXX of 2020. I was turning the vehicle in as early lease termination since the lease would be up in a few months anyway I could no longer pay for it due to the impact of Covid. On XX/XX/XXXX I was admitted to the hospital for emergency XXXX. Which I provided documentation. On XX/XX/XXXX I became extremely ill and was XX/XX/XXXX and XX/XX/XXXX I remained in the hospital until XX/XX/XXXX. I was still XX/XX/XXXX and on and off again XX/XX/XXXX. ( documentation provided XXXX. I called XXXX XXXX immediately and told them I couldn't return my vehicle until I was released from XX/XX/XXXX. I was released on XX/XX/2020. I called XXXX and was told someone would call me back within 10 days. On XX/XX/XXXX I called them since no call was received. They told me to find a local dealer and return the vehicle. I returned the vehicle on XX/XX/XXXX ( documentation provided XXXX. I told them I was concerned about the credit reporting. The supervisor told me she would make a note to the account and I could dispute it. Which I did, two times with XXXXXX/XX/XXXX and two times with all 3 bureaus No one removed the 30 days late. This is unfair and It was a result of a pandemic and being XX/XX/XXXX
Product: Credit reporting

My foreclosure was finalized XXXX XXXX 2007. There was no activity since this date however, Experian only is still reporting it on my credit report which is causing me an issue with getting a home loan. I demand that Experian removes this XXXX year item from my report right away.
Product: Debt collection

I have tried to dispute this alleged debt with this company. Tower Loan refused to accept mail from me. I sent mail to the same address that they sent me mail from. Tower Loan continues to harass me about an alleged debt. Tower Loan continues to contact other people about this alleged debt. I am being harassed and I cant sleep at night. I am being emotionally abused. I have asked for documentary evidence of the alleged debt. None has been provided.
Product: Student loan

I am being harassed for student loans that are not mine. I had a student loan for {$2700.00}. They are trying to collect {$42000.00} from me saying they are mine. In fact these are my ex wife 's loans. The only proof they can provide is a promissary note with me as the borrower and my ex wife as the co borrower. DOE guidelines States that only a parent or gaurdian can cosign for federal student loans. Which proves that these loans that they are trying to collect are not mine. Being that the cosigner is my ex wife. I agree that i had a student loan and the promissary note is mine but for {$2700.00} only. I have requested the original contracts and promissary notes for those loans and they can only produce 1 promissary note.
Product: Credit reporting or other personal consumer reports

unauthrized fraud inquiry from XXXX XXXX XXXX without consent
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ; XXXX  XXXX/XXXX  Inquiry Date XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

This CONSUMER PORTFOLIO SVC is reporting hard inquiry on my credit report that does not belong to me. I ask XXXX XXXX XXXX to remove this information from my credit report. 

Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number By mail only
Product: Payday loan, title loan, or personal loan

The company offers a buyout option which I attempted to utilized. I contacted the support hotline to attempt to exercise this option, but the company purposely delayed the response in order to charge me almost 4 times what I paid for this merchandise. I've already made payments on this merchandise which is 2x what I paid. This company is using fraudulent practices to defraud consumers. The company has been retrying the payment over and over which has caused me more than {$350.00} in overdraft fees.
Product: Payday loan, title loan, or personal loan

I took out the loan in XXXX of 2018. I mailed my first payment on XX/XX/2018 which would have paid my first payment on time. I called after the payment was debited from my bank account but was not applied to my loan. I spoke to several employees each time providing conflicting information regarding my payment. I have proof that I paid I have the cancelled check copy and bank statement. I was told to email the customer support the documents. All email addresses provided were not valid and mail was always returned. I can provide a screen shot of my email account proving this. I continued to call and pursue resolution. While this was happening they were reporting my account as delinquent and brought my credit score down XXXX points. Finally in XXXX I had enough of calling and talking to different people not getting any explanations. I went into a store location in person and provided the proof that I paid. I was told by a customer service representative working there that Oportun applied my payment to another loan that was not mine.They were penalizing me for non payment when I did pay they just did not apply my payment to my loan. My account with Oportun is being reported as delinquent twice a month every month due to an error on their part. As soon as the first payment was applied to my account, I made another payment. I do not feel it is right that they took four months to resolve my First payment and are penalizing me for taking 4 months to figure out where my payment went. I was unable to pay during the dispute as my payments were not being applied to my account. I have a 98 % on time payment rate on my credit score. I have other loans that are always paid on time. I do not feel I should be penalized because of Oportun 's error. I have worked hard the past couple of years to bring my credit score up. This company not only trashed my credit but expects me to pay interest on the months that they could not apply my payments to my loan. I was on top of this right from the start. I began calling in XXXX and continued to call every two weeks for the entire four months it took to resolve this. I have made countless calls spoken to several people and all they can say is sorry we understand please pay off the loan. I believe I should not have to suffer for the mistake on their part. This company is horrible. If you call to speak to a specific person they are unable to connect you. I was in contact with Supervisor of Collections XXXX XXXX several times but only when he personally called me. I am never able to be connected to him and every time I call I have to take the time to explain the entire situation over and over again. I am a responsible person trying to build credit and this company and it's inability to operate properly has ruined all the work I have done. I hope no one else falls victim to this awful company like I did.
Product: Credit card

I have a XXXX prepaid credit card. I can only spend money that is available on the card. 
Although the balance on my card was XXXX - American express approved a payment of approximately XXXX $ making a negative balance on the card and are now forcing me to pay the balance. 
American Express can not explain how a charge of apporximately XXXX $ was approved on a prepaid card which had XXXX balance for over a year.