23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I noticed that Jefferson Capital LLC aappeared on all three credit reports in early XXXX. The amount listed is {$1900.00} and the original creditor listed is XXXX XXXX. The date Jefferson Capital opened this was XX/XX/2019. I never received one notice or one phone call from this company and they never once allowed me to verify the debt or offered to verify the debt. I called them after I saw this on my report in XXXX and they were very rude and eventually I was transferred and hung up on. Late XXXX, I received a letter for payment in the mail from this company, but there was no verification or an offer to request a verification/dispute. The wording of the letter was threatening and not clear at all. It was worded in a way to confuse you or trip you up. It threatened a lawsuit even after it said the time limit had expired for that. It offered payment options, but then said payment would restart a lawsuit. I feel as though this company practices unfair and deceptive collection practices. I had zero collection accounts on my credit until this account was underhandedly added. I do not agree I owe this and I feel like my rights under the FDCPA have been violated in a few ways. First, I was never given a verification. Second, I was never given an opportunity to dispute this account. Third, threatening with a lawsuit is not legal when you have no justification to carry that out. I have also filed complaints with XXXX  and if I can't get Jefferson Capital to delete their presence off my credit report completely and cease collection activity, I will consult with a consumer attorney.
Product: Mortgage

After reading notes, please see cases in XXXX & XXXX County, XXXX and XXXX, XXXX to tie to cases pertaining to XXXX XXXX XXXX as a plaintiff on both Federal and State level as well as a classmember on housing cases ; with specification of cases against XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX, XXXX of XXXX, and the fact that the stolen property known as XXXX XXXX XXXX XXXX, XXXX XXXX and those funds collected by XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX, XXXX XXXX Virginia from XXXX XXXX XXXX XXXX, perhaps any participating Federal agency may have aided in the illegal conduct of these individuals and/or the conduct of XXXX XXXX, who is currently being held at the XXXX XXXX Regional Jail. 

I would also like to address the fact that XXXX XXXX specifically went on social media and discussed with his viewers how the court forced me ( XXXX XXXX XXXX ) into taking charges that they knew I did not commit ; by finding me guilty and forcing me to stay in court and allowing XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX & XXXX Sheriff 's Office go without consequences for their misconduct. Meanwhile, the legal system and specifically the XXXX Judicial Circuit Judges and leaders such as delegates, etc. were all fully aware of the drug and prostitution ring that was going to be funded from the illegal sale of property address XXXX XXXX XXXX XXXX, XXXX XXXX by XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX- XXXX , XXXX XXXX aand the known conduct Of XXXX XXXX under the business of XXXX XXXX XXXX XXXX XXXX . This has interfered with my healthcare, employment, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

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

The credit bureau is refusing to delete two collection accounts on my credit report that are not mine. They are all reporting under the same collection company called " XXXX XXXX '' with different account numbers. The first account is for {$2900.00} with account number # XXXX. The second account is for {$1000.00} with account number # XXXX. I have spoken to representatives at this XXXX XXXX company and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.
Product: Credit card or prepaid card

In XXXX 2020, I purchased a product from XXXX for {$110.00} using my Bank of America Mastercard. 

I tried the product but was unsatisfied and had it returned via XXXX  on XXXX 2020. However, XXXX had marked the product LOST. 

I filed a claim for purchase protection. But I just got word today XXXX that they rejected my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS ALLOWING AN INACCURATE ACCOUNT TO REPORT ON MY CREDIT FILE.
Product: Checking or savings account

XXXX XXXX XXXX personal debit card from Capital One was stolen, and i was defrauded for {$320.00} from an unknown ATM two purchases for {$17.00} were made, unauthorized as my card was stolen previously in the day a mobile deposit was placed into my account, for the amount of {$950.00} COMPLETELY unauthorized, presumably with the intent to defraud me even more. 

after speaking with the capital one customer protection resolution team, they told me that the account will be closed, and my relationship with capital one has ended. now here is the most vile part. 

At the time of writing this complaint, there is {$740.00} in said account. as well as a pending {$320.00} for the claim that the thieves stole from my account. capital one refuses to release my funds to me, either electronically, or physically. i live in XXXX XXXX nevada. there is no capital one branch within 500 miles. employee ID XXXX from capital one said and i quote i have nothing else to tell you. you cant access your money now. you will have to wait the 90 days to get your money back. i believe this is especially heinous and unjust, seeing as i was a customer of capital one, seeing as my situation of being defrauded and essentially robbed of my money, and capital one basically telling me to kick rocks.
Product: Checking or savings account

We XXXX XXXX XXXX and XXXX XXXX XXXX both account holders are requesting documents from USAA Federal Savings Bank of their investigation of the the disputed ( see attached ) and fraudulent ATM/Debit Card charges/transactions on our checking account. 

As per the letter received USAA offered to provide us the documents and they are not complying with providing the documents or a resolution to our dispute. 

On the investigation they conducted they claim the they relied on to make us responsible for unauthorized charges on our checking account and after several attempts they are not providing the documents that we have right to receive. 

Claim # XXXX Claim date XX/XX/year> Claim # XXXX Claim date XX/XX/year> We have contacted the USAA Bank Federal Savings Bank requestiedUSAA to reopen the dispute because we are alledging that we did not made the unauthorized charges.
Product: Checking or savings account

XXXX XXXX wrote a check to me for {$1000.00} from XXXX XXXX. I deposited it to my account at Chase. XXXX forgot she had written it and turned it in as fraudulent. She then remembered and instructed her bank that it was good. Chase restricted my account anyway and it took a complaint to CFPB to get it unrestricted. Chase said it would not give me the {$1000.00} and to go back to the maker of the check. The funds were not returned to XXXX 's account. I would like to know where the money is.
Product: Debt collection

I began the process of getting a mortgage in late 2019, I have no idea this collection was on my credit? I have mailed 5 bureau dispute letters requesting validation and proof this is my debt, plus I have mailed 3 direct letters to Convergent Outsource requesting factual proof, debt validation. I never received any response from Convergent? 

There is NO reported information on my XXXX report about this XXXX issue? 

I have uploaded all 3 letters mailed to Convergent Outsource with zero response from them!
Product: Credit card or prepaid card

Signed up for a new credit card from bank of america and setup automatic payments as soon as I got the card. The payment did not work for the first payment ( which was due several weeks later ) though no such thing is mentioned during the payment setup. ( See attached file. ) When I noticed the late fee I called the bank and was told that if I make a manual payment and give the confirmation number they will cancel it. I did this and the late fee was cancelled. 
Several days later an interrest charge appeared. I called again and was told that they have already considered that I am a long standing customer and have made a partial refund of {$0.00} ( out of {$37.00} ). 
I have since paid the subsequent balances and cancelled the automatic payments with the goal of cancelling the card soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put me and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened? 


I sent a letter Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE ANS SEND ME THE RESULTS. 

And they also did not even record the current status of the disputed information which is another violation. 

I have all the evidences attach below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX  and Equifax. 
I have provided them both documentation stated that I have never lived at the address or received a card from this company. This negative information has not been updated.
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document 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 in the months that I was late 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and XXXX and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Product: Debt collection

On XX/XX/2018, I applied for a mortgage with XXXX XXXX XXXX. At that time, I was informed that I had a collection account of an amount over {$30000.00}. I was working with my mortgage officer to see what we could figure out about this debt. We had contacted the company via the number listed on the credit report that was pulled by my mortgage company. I have been out of school for over 10 years and have never personally made any payments on this alleged debt. Upon further investigation, my concerns grew greater as I found that there were charged brought upon this company attempting to collect this debt along with the company they are representing as a third party collector. 

When we contacted this number, it took quite a few attempts to actually get someone on the phone. Once we were in contact with someone, I was informed that it was for an alleged private debt that I acquired when I was only XXXX years old. We asked to send validation and/or proof of what this debt was, including but not limited to ; a promissory note, any documentation to prove that this debt was mine, any payment history made along with what accounts they were withdrawn from. As of the date of this complaint and two calls with this company asking them to furnish me with any and all proof that they have that I own this debt ; I have yet to receive anything. 

This is unfair because it is prohibiting me to be able to purchase a new home. The is abusive because I have now suffered from a damaged collection account on my credit report. 

I feel that I've been patient enough in waiting for documentation that was requested months ago on multiple attempts. Yet alone being that the requested documents are from several companies listed in in a CFPB filing and ruling against them for what appear to be the same practices taking place against me.
Product: Mortgage

I checked my credit before applying for a cash out re-fi. All 3 reports show in the high 700 's and was told I could get a rate of 2.375 %. 

I gave permission for Texas Lending to pull my credit. They said I have a XXXX score and couldn't give me a reason and tried to give me a higher rate. I called and requested an explanation and offered to share screen shots of all 3 agencies showing my credit score. I was told a mortgage score is different and that I needed to repair my credit. 

I believe this is fraudulent and they want to give potential customers higher rates. 

Texas Lending was the company and below is the agent. 

XXXX XXXX XXXX XXXX XXXX TexasLending.com XXXX. XXXX  XXXX XXXX # XXXX XXXX Direct  XXXX XXXX fax XXXX cell XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on our recent communication regarding unauthorized accounts on my consumer report that are linked to identity theft. I formally demand the immediate blocking and removal of these accounts, as I never provided written authorization or a wet signature for their inclusion. 

These fraudulent entries have caused me significant distress, both emotionally and financially, by misrepresenting my credit history and obligations. They have impeded my ability to achieve crucial financial goals, including purchasing a home and providing for my family 's needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  emailed me saying that I reported a card as lost or stolen. I did not. 
On the same day someone changed my address with the USPS in order to get the replacement credit cards.

I received a letter from USPS saying that my address was changed. I immediately went to the Post Office to report that this was fraudulent and was told to call the USPIS regarding change of address fraud. My first Case # was XXXX. I did not receive a response within 2 weeks. I called again and received a new case # XXXX. More than two weeks later I still have not received a response from USPIS. 
I also immediately contacted XXXX to report the fraudulent address. 
However, in the meantime USPS forwarded some of my mail and XXXX subsequently changed my address to the fraudulent one. I called them to report the fraud. 
Still, the fraudulent address made it into my credit report for Experian and XXXX. I have disputed the incorrect address with them twice. 
Luckily I prevented unauthorized charges by immediately notifying my credit card companies. However, what is disturbing is that I have been unable to get a response from USPIS. I want to be able to prevent criminals from changing my address online again. I was told this is not possible. That certainly plays in the hands of criminals who can report a credit card as lost and then simply change your address only with USPS. How can I protect myself from a recurrence of this? I have spent so much time on the phone trying to get this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Santander Consumer USA to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; Santander Consumer USA did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking Santander Consumer USA to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted a credit bureau dispute online with Transunion. In XXXX ( around the XXXX ) I logged in to check the status and it showed investigation was complete and that I would receive the results of the investigation. On XX/XX/XXXX I had still not received the results so I logged back in to Transunion and it is showing as investigation cancelled. I contacted them and they are unable to tell me why it was cancelled or offer anything except for that I would have to refile the dispute. This was already my 3rd attemt at refiling the dispute. Under the FCRA I want this information removed from my report. They have not complied with the requirements of FCRA in regards to timeliness of investigation, notice of results, or anything else.
Product: Debt collection

XX/XX/2016 XXXX, Please assisted me regarding this matter. I have filed XXXX consumer protection complaints : XXXX ; XXXX ; how can we kept giving the crooks more lead way than the people with integrity. This company has engaged in deceptive trade practices and attempted to engage in theft by deception. 

I have filed XXXX complaints against NCC Services for trying to collect debt on a fraudulent insurance claim that can not be validated since the old company, XXXX, XXXX XXXX, XXXX., XXXX NV. personnel, committed an insurance fraud scheme by charging me with damage to my apartment after I moved out. This company forged my name and stated they I owed them a combine total of almost {$2500.00}. They produced no pictures of any damage and I was notified XXXX months later once I returned back to XXXX to address the foreclosure hearing on my property in XXXX. I showed the management the foreclosure notice and they said that they wish me luck. In XX/XX/2016, a loan XXXX tried to force me to not dispute the fraud in order to re-financial my current property in XXXX. I refused. See letter. XXXX weeks ago, this collection company which used XXXX names : NCC Services and National Collection Services demanded the {$2500.00}. See documents. I am trying to purchase a new loan and I do n't have time to wait 60 days for a company that has no license in Texas to attempt to collect fraudulent debt, unable to validate the debt since the old company XXXX was bought out XXXX years ago by XXXX XXXX, conspired to put this fraudulent account on my credit report, unable to produce a contract assuming the fraudulent debt, and uses XXXX names to committed this collection fraud. This is clear cut deceptive trade practices and fraud by the collection and XXXX. I have filed a police report for fraud in XXXX XXXX XXXX, XXXX. Please have your staff insist on validation today and delete this from my credit report. Please have an Ombudsman contact me at XXXX if they can expedite this matter. 

XXXX