23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate entry on my credit report, as governed by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. After recently reviewing my credit report, I have identified a misleading entry and incorrect information that requires immediate attention and correction. 

The disputed information is related to the following entry : Creditor : Jefferson Capital Systems Account Number ending in XXXX Amount {$2200.00} I assert that this information is not only incorrect but also violates the Fair Debt Collection Practices Act ( " FDCPA '' ). I have never had an account with Jefferson Capital Systems, and there has been no history of delinquency on my part with this company. I have not entered into a contract with Jefferson Capital Systems nor gave it permission to report any information onto my credit report. This inaccurate entry is not only damaging my XXXX XXXX but also constitutes a violation of my rights under the FDCPA. 

Unless a member of Jefferson Capital Systems will attest under oath and under the penalty of perjury that I have a contract with Jefferson Capital Systems, I demand Jefferson Capital Systems delete the account and remove it from my credit report with all three credit agencies. Jefferson Capital Systems is in violation of 15 U.S.C. 1692e ( 8 ) by reporting inaccurate information and 15 U.S.C. 1692g in regards to verification requirements which I will seek monetary damages if the inaccurate report is not deleted from my credit report. 


I demand Jefferson Capital Systems deletes its entries made to my credit report in accordance with 15 U.S.C. 1692g. It is important to emphasize that the Fair Debt Collection Practices Act provides consumers with specific rights and protections, and I am prepared to take any necessary legal action to ensure the accuracy of my credit report and the preservation of my rights under the law.

I sent ( 2 ) letters to XXXX  requesting the same which it never responded. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated. 

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 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  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! 
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Product: Debt collection

Tower loan did get a payment because they illegally garnished my wages on a XXXX XXXX XXXX debt now they keep adding more interest even though they are garnishing. The full judgment they got was XXXX in 2011 XXXX XXXX has charged XXXX percent interest which when they began garnishment he said the total was XXXX and they been garnished wages now they say I owe XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I began a consumer credit transaction at XXXX XXXX XXXX. Upon my consumer credit transaction information pertaining to my contract was not disclosed to me nor was I made aware of such things that my finance charge shouldve included XXXX insurance but did not. Subsection 15 USC 1605 states determination of finance charge. Exhibit C property damage liability insurance premiums are included in a finance charge. In my consumer credit transaction on XX/XX/XXXX my finance charge did not include insurance. Furthermore I was never made aware nor informed about my rights to rescission. On XX/XX/XXXX when I initially made a cash down payment of {$4000.00} and also on XXXX of {$4200.00}. XXXX XXXX ( sales rep ) that I work with advertise to me on XXXX and XXXX that I had to make a down payment in order to obtain my XXXX XXXX ram XXXX. All those subsection 15 USC 1662 states, advertising of a down payment in installments says, no advertisement to aid, promote, or assist directly or indirectly in any extension of consumer credit may state that a specified down payment is required in connection with any extension of consumer credit. which my consumer rights were clearly violated and therefore being defrauded. In regards to subsection 15 US C 6802 a. A notice of requirement obligations with respect to disclosures of personal information. I was not made aware that I could opt out of this consumer credit transaction reporting to my consumer report by any third-party reporting agency. I did not give my consent to have my consumer credit transaction furnished on my report yet it has been furnished without my consent which is technically identity fraud. Ive been stressed and struggling to provide for my family due to this unfair consumer credit transaction. I fell behind on my rent and have been evicted twice this year from being the fraud it in this transaction. Furthermore, every month that the bill comes in the mail or I receive a call from Capital one I get migraines and have nightmares due to this unlawful transaction. Ive been harassed every month XXXX Capital One calling at least XXXX or XXXX times a month telling me to pay a debt even after Ive communicated with them to stop calling. 15 USC 1692D clearly states harassment or abuse that a debt collector may not engage in any conduct to the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have experience Ive seen in profane language, harassment by getting calls every month and being told to pay a debt.
Product: Mortgage

Corresponded with US Bank by letter two times and they refuse to respond. Copy of correspondence attached as Exhibit A.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent and submitted request for verification of a bankruptcy on my credit report several times through mail and online and all 3 credit bureaus refused to send any verification or proof that explicitly shows this belongs to this XXXX XXXX, that shows the contract or my signature. They also respond with, it has been verified with nothing to proof or that shows verification of belonging to me. I have my right under section 609 to view and review any documents that show and proof that belongs to me.
Product: Credit card

I have been dealing with Capital One Bank for years. Have always paid on time and unfortinutley, have had to use them, after paying them off several times. I have spoken to them about there interest rate and have not been able to get anywhere. There rate on purchases, 15.90 % APR. This interest rate is rediculas and according to there record, on a balance of {$8900.00}, paying the minimum, in XXXX years, you would have paided {$20000.00}, pay off in XXXX years, {$11000.00}. Is there anything that can be done with this high interest rate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with " The Fair Credit Reporting Act XXXX  '', the accounts are as follows : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) XXXX Veterans XXXX XXXX XXXX XXXX, MO XXXX XXXX 2x inquiries ) Equifax Mortgage Services XXXX XX/XX/XXXX, XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NJ XXXX ( 4x inquiries ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( 2x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 1x inquiry ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( 1x inquiry ) XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( 1x inquiry ) XXXX XXXX XXXX  XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( 1x inquiry ) XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( 2x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( 1x inquiry ) XXXXXXXX - XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX inquiry ) XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( 1x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX ( XXXX inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, NV XXXX ( 1x inquiry ) 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is a follow up dispute to complaint ID : XXXX. Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed.
Product: Credit card or prepaid card

Bank of America engaged in intentional criminal activity to defraud consumers by manipulating its IT data to charge illegal late fees and interests, including to me. In particular, upon receiving my statement of XXXX XXXX, XXXX, I logged onto the Banks website on XXXX XXXX and authorized the payment of the full balance of {$270.00} on the due date of XXXX XXXX. The Bank confirmed this XXXX. Yet, the Bank did not post my payment until XXXX XXXX, and fraudulently charged me {$15.00} late fee and {$2.00}  interest, despite the next closing date of XXXX XXXX, XXXX. Moreover, should the Bank try to use smoke and mirrors to cover its criminal conspiracy, it must be noted that all purchases during that month of XXXX to XXXX totalling {$65.00} were returned for credit during that same month. In fact, the credits totaled XXXX. In short, my balance on the XXXX XXXX statement should have been a {$0.00} credit. Thus, despite my proper authorization of the full previous balance by the due date and no net purchases but instead a net credit, Bank of America purposely and intentionally tried to steal {$17.00} from me, as it surely does with other customers. Only IT software manipulation can explain the Banks actions. Like XXXX XXXX, Bank of America thinks that the public is too stupid to catch onto its criminal conspiracy. The Bank has ignored my dispute of the illegal fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA is listed on my consumer report as a charge off, date opened XX/XX/XXXX. I contacted XXXX, XXXX, & XXXX  on XX/XX/XXXX requesting physical verification in accordance with the Fair Credit Reporting Act. All ( 3 ) credit bureaus responded by updating this account to " verified '' status per Santander Consumer USA. No evidence to back the claim. I contacted the bureaus again requesting a copy of the signed agreement between myself and Santander pursuant to the Fair Debt Collection Practices Act. The bureaus all responded by updating the account status again to " verified '' per Santander Consumer USA. Not only is this account inaccurate and negatively impacting my finances but it is also OUTDATED. This account has been towering over my credit report for the last 9 years. Santander reports my first date of delinquency to XXXX  as XX/XX/XXXX -- false, please provide a receipt for XX/XX/XXXX 's payment to back this claim. Santander is reporting no payment history on my XXXX  and XXXX  report, so how are the credit bureaus to calculate the first date of delinquency? How do they know when this item should be removed? The bureaus do not know, which is why this account has been sitting on my credit report since XX/XX/XXXX. Most accounts are several months past due before being placed into collection. So, if XXXX & XXXX  were to " estimate '' a date of delinquency on Santander 's behalf, it would still place us in XXXX and it is now XXXX. This account needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

WRONG SSN XXXX  : XXXX & XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

( XXXX ) XXXX ( XXXX ) XXXX. 
XXXX XXXX XXXX XXXX Collection account. {$920.00} past due as of XX/XX/XXXX. 
Date Opened XX/XX/XXXX XXXX XXXX. 

XXXX XXXX XXXX Account charged off. {$270.00} written off. {$610.00} past due as of XX/XX/XXXX. 
Date Opened XX/XX/XXXX. 
XXXX XXXX XXXX {$1600.00}. 

XXXX XXXX XXXX {$1200.00} Account Status120+ DAYS PAST DUE. 

XXXX XXXX XXXX {$6000.00} Account Status120+ DAYS PAST DUE. 

XXXX XXXX XXXX {$3500.00} Account Status120+ DAYS PAST DUE. 

Inquiries XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX.
Product: Debt collection

Ive spoken to the company requesting the validation of contract of purchase of the debt in question. Once that request was ignored I disputed said debts to no success. I continue to get multiple calls multiple times a day. As well as the collections agency reports on my credit report
Product: Mortgage

I entered into a contract XXXX with XXXX in XXXX, TN placing my home in reverse mortgage. All went well for some years. The contract was then sold to XXXX XXXX and continued to do well. The problem begin with the contract was sold to another company which is the current company I'm dealing with now which is NOVAD Management Consulting LLC ( 2015 ). With the previous companies prior to NOVAD, I received monthly statements indicating the status of my contract. I stopped getting statements from NOVAD mid year XXXX. Many attempts were made via phone calls and letter to try to get information on what was going on with my account. I will attach a copy of the letter sent to NOVAD requesting information - but never got a response by mail or call. NOVAD statements has information about " Set Asides '' costs- never explained what it is. After speaking with a NOVAD representative in XX/XX/XXXX, I was told that its possible that the reason for not receiving statements was for non-payment. 
I need answers on the status of my account and documentation that they paid six ( 6 ) months worth of taxes. Taxes in XXXX XXXX XXXX XXXX are not paid monthly only paid annually. They never paid any taxes- they never showed me any proof- nor did the Tax Assessor 's office only shows that I'm the only person paying taxes.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : OAG CHILD SU : Account Number:XXXX Account Name : US DEPT ED : Account NumberXXXX Account Name : US DEPT ED : Account Number:XXXX Account Name : US DEPT ED : Account Number:XXXX Account Name : US DEPT ED : Account Number:XXXX Account Name XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : USDOEXXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX, representative for American Express Credit Card, has called and left messages repeatedly since XX/XX/XXXX. 
Called to settle debt with XXXX beginning of XX/XX/XXXX, Call reference # XXXX. Representative mentioned that company would sue me if I didn't pay the debt by that Monday. That if I wanted to stop legal action, I would be required to pay XXXX up front. He used threatening language and acted as if I was a criminal. When I told him I didn't have the funds, he kept telling me that I'm a grown woman and I should be paying them now instead of incurring a debt. This conversation lasted over an hour. 
After that call, XXXX has tried calling and left messages everyday for the past three weeks.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax Information Services LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the CFPB Consent Order ( 2025-CFPB-0002 ). My concerns include the improper reinsertion of a deleted account, discrepancies in reporting across credit bureaus, and Equifaxs failure to notify me or verify the accuracy of the reinserted information.

The account in question, XXXX ( partially identified as XXXX ), was deleted from my credit report on XX/XX/year>, and reinserted on XX/XX/year>, without proper notification or certification as required under FCRA 611 ( a ) ( 5 ) ( B ). Furthermore, Equifax falsely claimed the reinserted information was 100 % accurate despite significant discrepancies across XXXX, XXXX, and Equifax reports.

Violations and Supporting Evidence Improper Reinsertion Without Notification : FCRA 611 ( a ) ( 5 ) ( B ) requires that consumers be notified in writing within five business days of a reinsertion, including the name, address, and contact details of the furnisher. Equifax failed to notify me.

No certification from the furnisher was provided to confirm the accuracy and completeness of the reinserted information.

Discrepancies Across Credit Bureaus : Equifax : Reported the account as closed, with a balance owed of {$1100.00}, marked as Pays as Agreed. 
XXXX : Listed the account as active with no indication of closed status and different last verification dates. 
XXXX : Did not list the account at all.

Misrepresentation of Accuracy : Equifax claimed in its response to my dispute that the account was 100 % accurate. However, the discrepancies in reporting and lack of certification contradict this assertion.

Failure to Comply with the CFPB Consent Order : The CFPB Consent Order ( 2025-CFPB-0002 ) highlights Equifaxs systemic failures to implement procedures ensuring compliance with FCRA. This includes their inability to notify consumers of reinsertion or verify the accuracy of disputed information.

History of Disputes First Dispute : I disputed this reinsertion directly with Equifax. Despite my request, no documentation or verification was provided, and no notification of reinsertion was sent.

Second Dispute via CFPB : I escalated the matter by filing a complaint with the CFPB under Case Number : XXXX, submitted on XX/XX/year>. Equifax responded by claiming the account was verified without providing any evidence or compliance with FCRA requirements.
Product: Mortgage

PHH Mortgage Services, has sent me notice that they are the new servicer of my mortgage loan that XXXX XXXX XXXX XXXX has been servicing for years until weeks ago. I called my loan servicer XXXX XXXX XXXX XXXX on XX/XX/XXXX to let my Relationship Mgr ( XXXX XXXX ) know I was making a full mortgage payment via wire transfer at XXXX XXXX XXXX XXXX  but, my normal relationship mgr was not available and had starting missing scheduled appointments, even on XX/XX/XXXX. The other Relationship Mgr ( RM ) told me not to wire the mortgage payment and to make the payment over the phone for free to avoid the wire fee but I told the RM that my father was already in the bank ready to wire the payment but the RM insisted on paying over the phone. This was a 3-way call with my father, the RM and myself. My mortgage payments were more than 60 days late but, less than 90 days as discussed with the RM. I had informed the RM that my new employment started on that coming Monday, XX/XX/XXXX, and that I would catch up on my mortgage payments. As my father started reading the bottom of his check, I interjected after he finished reading the routing number and told the RM not to include the check number, and the RM immediately and rudely said, " Ma'am Be Quiet ''! After, my father read the numbers on his bank account, the XXXX RM told my father and I that the Bank Number went in correctly and emailed my Receipt of a full payment and also sent a receipt through the USPS mail. Then about 5 days later XXXX sent a letter dated XX/XX/XXXX stating that " Your Payment was Returned Unpaid '' ; and that " The payment we received on XX/XX/XXXX for {$1600.00} was returned unpaid by the bank. '' I contacted XXXX XXXX XXXX XXXX  and their Clearing House and they have no record of XXXX even attempting to process a payment on or after XX/XX/XXXX. The XXXX XXXX XXXX associate told me, even if XXXX Mortgage had included a check number with the account numbers for payment, XXXX XXXX XXXX would have still processed my mortgage payment. I have supporting documents to prove XXXX Mortgage 's fraud. Even after XXXX made me delinquent purposely on my mortgage, XXXX refused to take my full mortgage payment. Since XXXX until presently, I continued to receive disingenuous information from XXXX Mortgage about modifications, the loan process, trying to pressure me to sign new loan documents with a higher interest rate and/or a balloon payment, etc. In XX/XX/XXXX, I had a third party organization, XXXX, sign to look over my XXXX documents and contact XXXX on my behalf. Then, PHH Mortgage Services recently sent me a letter dated XX/XX/XXXX, that PHH Mortgage Services is the new servicer for this account and collecting payments ; and gave me a new XXXX loan account #. XXXX XXXX XXXX XXXX sent me documents to sign and send them 3 payments of {$1500.00} each due XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, for an Alternative Modification Trial Period Plan Offer, but recently PHH Mortgage wants the signed documents and payments sent to them, PHH Mortgage Services.