23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Ct,XXXX  ( XXXX ) XXXX XXXX XX/XX/2024 JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX Iowa XXXX Re : Disputed Debt, Consumer Rights Violations, Request for Validation, Revocation of Communication Consent, Licensing/Bonding Request Dear Jefferson Capital System and Consumer Financial Protection Bureau , I am writing to dispute any and all alleged debts that Jefferson Capital System claims I owe. I am also formally filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), as I believe Jefferson Capital System is engaging in practices that violate my rights under the following consumer protection laws : * 12 CFR 1006.34 ( b ) ( 5 ) : ** Prohibits debt collectors from misrepresenting the amount of debt owed.

* 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** Prohibits debt collectors from communicating or threatening to communicate false credit information.

* 12 CFR 1006.34 ( d ) : ** Prohibits debt collectors from using obscene, profane, or abusive language.

* 15 USC 1681-S2 ( 7 ) ( A ) : ** Prohibits debt collectors from misrepresenting themselves as associated with any governmental unit or administration *Revocation of Communication Consent* I am hereby revoking all previous consent for Jefferson Capital System to contact me via email, text message, or telephone. In accordance with my rights, any further communication must be done in writing via the United States Postal Service.

*Debt Validation Request* Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that Jefferson Capital System provide the following information to validate this alleged debt : * The name and address of the original creditor * The original amount owed * A detailed breakdown of how the current amount was calculated ( including interest and fees ) * A copy of the purchase agreement between Jefferson Capital System and the original creditor *Licensing and Bonding Information* I also request that Jefferson Capital System furnish proof that it is properly licensed and bonded to operate within the state of Connecticut.

*Formal Complaint and Further Action* I believe the actions of Jefferson Capital System constitute serious violations of my consumer rights. I intend to pursue all available legal remedies if Jefferson Capital System does not immediately cease its unlawful collection practices, remove any inaccurate information from my credit reports, and provide the requested information. 

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

I never had late payments : XXXX XXXX XXXX These accounts is not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy - XXXX - XXXX Reference XXXX XXXX This Information is Incorrect. Please remove it from my credit report. 

XXXX XXXX XXXX  This inquiry was not authorized. please remove it from my credit report XXXX This inquiry was not authorized. please remove it from my credit report
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Update the XX/XX/year> to XX/XX/year>, late payment to paid as agreed
Product: Debt collection

Today is XX/XX/2021 and I am responding to communication from National Credit Auditors Per response from this company, they stated I have never attempted to contact them which is indeed a lie. I have attempted to contact them directly, XXXX  as well. im well aware of my rights and this agency continues to violate them. Please provide me with proof of this letter that was sent that XXXX NEVER received. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor XXXX XXXX. I have received a response that does not indicate or prove I approved this credit transaction with my social and ID. I was provided billing statement which Anyone can furnish billing statements. Also I have no knowledge of any of the parties listed on that lease.Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft. You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. I am proceeding with legal action as prescribed by law against National Credit Auditors Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureaus responsible for reporting this violation.I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Sincerely
Product: Debt collection

I had a credit card in XXXX credit limit XXXX. The credit card company sold it ; Midland funding ended up trying to collect in XXXX for roughfully XXXX. XXXX XX/XX/XXXX I found out they have a judgement for XXXX on me since XX/XX/XXXX. Years ago I asked for validation of the debt which I did not recieve, and havent heard from them in years. Now I call them to try to figure this out and they tell me the bill is now XXXX and they aren't budging. My biggest complaint is if this is from a bill from XXXX and they came after me in XXXX, and without notice or an opportunity to question a judgement claim and judgement against me in XXXX. So XXXX to XXXX years whats the statue of limitations on this matter? Then XXXX to XXXX another XXXX ... so this has been going on for 22 years total And why does Midland Funding seem to be doing business unchecked? I am so confused ... if I legitimately owe a bill then I will gladly pay it but what is a fair price for a {$300.00} credit card from XXXX?
Product: Credit reporting

My concerns are about the multiple entries for several collection accounts in my Equifax credit report. XXXX XXXX XXXX XXXX ( XXXX ) has ( XXXX ) entries for the same day from the same creditor XXXX/XXXX/XXXX, but different amounts. XXXX also has ( XXXX ) entries for the same day and same creditor on XXXX/XXXX/XXXX, but different amounts. XXXX lastly has ( XXXX ) entries on the same day for the same creditor on XXXX/XXXX/XXXX with different amounts. This makes my credit report appear to have more accounts ( XXXX additional ) in collection then it should. It is not possible to have multiple accounts for the same day from the same place. I would like these taken off my credit report. 

Also, I had trouble logging into my Equifax credit report on line, because the security questions did not pertain to me. I wonder if this could have anything to do with identity theft? I did send a copy of my drivers license, social security card and birth certificate on XXXX, XXXX to Equifax in my complaint letter to : Equifax Information Services LLC XXXX XXXX XXXX GA, XXXX
Product: Debt collection

I am submitting this complaint regarding a fraudulent debt reported by Navy Federal Credit Union ( creditor ) under account number XXXX. I was never notified about this debt via mail, nor was I given the opportunity to dispute it, which violates my rights under multiple federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ).

Details of the Violations : 1. Failure to Provide Notice ( FCRA Violation ) : Under 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ), I am entitled to written notification of any adverse information reported on my credit report, including details about the alleged debt. Navy Federal Credit Union failed to provide me with this notice, depriving me of the opportunity to dispute the debt, which is a violation of my consumer rights.

2. Fraudulent Debt Reporting ( FCRA Violation ) : The debt in question is fraudulent. Under 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ), no entity has the right to report information related to identity theft or fraudulent activity on my credit report without my permission. I did not authorize this debt to be reported. The fact that it appeared on my credit report without proper validation or authorization is a violation of my rights under the FCRA.

3. Failure to Validate the Debt ( FDCPA Violation ) : Even though Navy Federal Credit Union is a creditor, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), they are required to validate any debt upon my request. I have not been provided with sufficient proof of the alleged debt, which violates this provision.

4. Violation of the Truth in Lending Act ( TILA ) : Under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), creditors are required to provide clear disclosures of all terms associated with a loan or credit agreement. In this case, no such disclosure was provided, further supporting that the debt is fraudulent. The failure to provide the required disclosure documents violates TILA regulations.

5. Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP Violation ) : Under the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5531 ), creditors are prohibited from engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ). Reporting a fraudulent debt without providing proper notice or validation constitutes an unfair and deceptive practice, causing harm to me as a consumer.
Product: Debt collection

Someone showed up at my door claiming to be law enforcement and said he had an arrest warrant for me but if I contacted the agency he wouldnt have to arrest me. He has shown up twice wearing a badge around his neck. I didnt ask him to show me his badge but I will next time he shows up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

This debt is not mine. It has appeared on my credit report XXXX different times over the last 5 years, each by a different company. Each time I disputed the debt in the past it has been removed from my credit report. This time however, Commonwealth Financial/North East Credit and Collection inexplicably and inaccurately verified this debt as valid. Additionally, they have re-aged the account to make it appear that it was a new collection as of XXXX, 2015. 

I sent a debt validation letter XXXX on XXXX XXXX, 2015 with no response. I am attaching the XXXX letter and Certified Mail XXXX card. PLEASE HELP!
Product: Credit card or prepaid card

Discover Card Services Failed to provide me info on person who used my identity and am assuming that they are allowing this person to do so. This is Statue Violation.
Product: Mortgage

SLS mortgage servicing company wrecked my credit, family livelihood and forced me from my dream home due to their unacceptable attention to detail and inability to process paperwork
Product: Debt collection

i just read an article on your site regarding " Portfolio Recovery Associates , LLC On XX/XX/2023, the Bureau filed a complaint and proposed stipulated final judgment and order to resolve the Bureaus claims against Portfolio Recovery Associates , LLC, one of the largest debt collectors in the United States. '' i really dont know what to do anymore ... these people keep calling me daily regarding a debt that is passed the statue of limitations to collect.. ITS EVERY DAY ... and sometimes 2x a day .. and they just called again today A SUNDAY. which im pretty sure they are not alowed to do? i picked up once a few months ago and told them to stop calling this number and they still call .. please help..
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT AND EQUIFAX DATA BREACH. FOR THE PAST SEVERAL YEARS IVE BEEN HAVING ISSUES BEING AUTHENTICATED OFF AND ON. ANYWAYS I HAD SOME FRAUD ACCOUNTS BLOCKED FROM MY CREDIT REPORT AND IT SOME HOW IS STILL SHOWING UP ON THE LENDERS SIDE BUT NOT ON MY SIDE. I'VE HAD MULTILPLE FILES ISSUES ETC. IVE CALLED OVER 2 9 TIMES THE FRAUD GUY TOLD ME LAUGHING IN DISGUST AND SINCERELY APOLOGIZED. HE ADMITED IT WAS VERY COMPLICATED. BUT THATS NOT MY FAULT. I JUST WANT THIS FIXED ONCE AND FOR ALL IF POSSIBLE AND THESE ARE THE CONFIRMATION NUMBERS AND I HAVE A CASE NUMBER WHICH NO ONE CONTACTED ME BACK WITHIN 72 HRS. NEVER CALLED ME BACK. CASE NUMBER XXXX, XXXX CONFIRMATION BLOCK. I HAVE SENT A COPY OF MY ID AND SOCIAL SECURITY CARD THROUGH THE POSTAL MAIL BY NEXT DAY DELIVERY WHICH YOU SHOULD RECEIVE TODAY BY XXXX P : M today. PLEASE SEE ATTACHED LETTER FROM XXXX XXXX XXXX WHEREQUIFAX CREDIT PULL IS DIFFERENT FROM MY CREDIT PULL. THANK YOU.
Product: Debt collection

COMMONWEALTH FINANCIAL SYSTEMS placed me in collections with no notice, letter, or phone call on XX/XX/XXXX for a medical debt that someone opened under my behalf in XX/XX/XXXX. This debt did not belong to me and I provided the company with the fraud affidavit and they removed the Collection from my credit report and closed the account. I spoke to a representative from the company in early XX/XX/XXXX which also confirmed this. This company is now criminally diminishing my credit after they were given all the documents needed and after they agreed to close the fraudulent Account. I now want consumer finance to step in and the Federal government to investigate this company. There is misconduct going on here.
Product: Checking or savings account

I received a wire to my new PNC account and they locked me out and froze the account. When I called customer service I was told to report to the branch where they could verify me, my info and unfreeze my funds. I went to 6 different branches before somebody was able to ''help '' me. At each branch I was told that such verification was not possible, I should just call the customer service number since they are the one doing the verification directly with me over the phone. 
Finally at the 6th branch after many days and drives around the city, 2 employees were able to assist. We called the back office and waited for around 2 hours to be able to speak to someone. That someone had the PNC agent with me to verify and scan my ID which they did, and then we were both told that my funds have been held for further investigation. I asked what was the reason, and did not receive a definite answer. 
I brought with me all the paperwork for myself and my business, details of the transaction, origin and reason ; they told me it was not necessary. 
The result is that my account is frozen since XX/XX/XXXX XXXX
Product: Credit card

This morning I receive an email notification from XXXX ( 3rd party fraud/financial monitoring service ) that the APR increased on my Chase credit card ( from 5.49 % to 5.74 % ). I was very surprised by this because 1 ) I had never received any notification from Chase about this change, and 2 ) an APR increase reflects that Chase may perceive me as a higher risk, which concerns me because I pay my balance in full every month. 
I called Chase to ask about this change. The first person I spoke to looked up my account history and stated that there has never been any change to my account since its inception, and that it had always been 5.74 %. After hanging up, I went and checked my individual statements. In fact, the rate was increased between XXXX and XXXX 2016. I then checked my emails and texts ( since I 'm on paperless billing and receive text alerts from Chase ), and there were no messages on this either. 
I called Chase a second time, and this time the representative said that this change was made, and notices were sent to everyone ( although I never received any specific information confirming that the information had been sent to me ). 
Since I do n't carry a balance, I am not directly financially impacted. But I am deeply concerned that a bank would increase rates without notification ( if I were carrying balances, I would have had no opportunity to make alternative financial plans in advance of the change ). I am very troubled that XXXX calls within the space of an hour elicited such difference responses in terms of what actually happened with respect to the rates on my account. I am left wondering whether the operational processes are adequate, and if this can happen so easily, what else could happen. As a customer, I do not feel valued when the rates are increased despite my impeccable payment record. One agent mentioned that I do have the option to close the account if I do not agree to these terms. This feels a bit drastic in my particular situation, but I do feel strongly motivated to shift my spend to other providers, as something feels fundamentally wrong when a bank changes rates without notification or explanation.
Product: Debt collection

Sometime within the past year I applied for an account with NetCredit and was approved for a credit line of {$3800.00} which I never accessed due to extremely high interest and finance charges. In XXXX I discovered that my XXXX credit report indicated the line of credit was open and reporting a balance of {$4600.00}. I never requested advance of the account fund, never received funds to my bank account, and became unable to access my account online. I have disputed the account with the credit bureaus, filed an identify theft report with the FTC, and contacted the company directly with no result.
Product: Mortgage

Truist assumed my mortgage from XXXX XXXX in XX/XX/XXXX. I was notified by Truist in XXXX that they had assumed the loan, and set up ACH automatic payments to be paid directly from my financial institution to Truist at the address they provided. Each month from XX/XX/XXXX- XX/XX/XXXX, the ACH funds were deducted and a check was mailed to Truist at the address on file. Each month, I called to confirm that the payments had posted, yet in XXXX Truist claims they did not receive payments. 

In XXXX, I contacted Truist again and asked to launch an investigation into the source of the ongoing payment issues. XXXX XXXX, and my financial institution representative worked to investigate the issue : it was determined that the remittance address that was saved in the ACH system was incorrect. We quickly worked to make the necessary address changes, I made several Overpayments to make the account current. Yet, Truist refused to report their clerical error to the credit bureau. This has resulted in many negative consequences to my consumer lending. 

I am trying to refinance my home. I need help from you since Truist is refusing to assist in clearing the reported late payments for XXXX XXXX. Please expedite this process if possible. 
I have attached all supporting documentation for your review. 


Thank you! 

XXXX XXXX
Product: Debt collection

I was contacted by an agent by the name of XXXX who works for AD Astra Recovery Service. She informed me that I owed {$1000.00} for a loan taken out at XXXX XXXX XXXX ( Online ), but my credit report says SPEEDYCASH XXXX XXXX TN. This loan was taken out in my name sometime in XX/XX/2019 for the original amount of {$600.00}. I informed her that I was taking finals at this time in college and did not have a job to even cover a loan. This loan was taken out fraudulently and I would like for them to send me further information. XXXX told me it would effect my credit if I didnt pay something on it. I thought it was a scam caller and hung up. I then later learn more about my credit and seen that this was indeed posted on my credit. Please tell me my next steps to have this removed. Even the address that was given for me at the time is incorrect and I do not know anyone that says at the address given.