23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Cease and Desist Harassment and Dispute of Account Dear Sir/Madam, I am writing to formally dispute the account referenced below and to demand an immediate cessation of all harassment related to this matter. 

Debt Description : XXXX XXXX Account Number : XXXX Current Creditor : Jefferson Capital Systems LLC JCS Reference Number : XXXX I have recently become aware of the above-referenced debt allegedly owed to Jefferson Capital Systems LLC . However, I dispute the validity of this debt for the following reasons : 1. Lack of Notification : I was never properly notified by Jefferson Capital Systems LLC regarding the sale or transfer of this debt. As per the Fair Debt Collection Practices Act ( FDCPA ), creditors are required to provide written notice to the debtor prior to selling or transferring the debt to a third-party collection agency. Failure to provide such notice is a violation of my rights under the FDCPA. 

XXXX. Harassment : I have been subjected to continuous and harassing communications from third-party collection agencies regarding this debt. Despite my requests for validation of the debt and verification of their authority to collect, these agencies have persisted in their attempts to contact me via phone calls, letters, and other means, causing undue stress and harassment. 

XXXX. Request for Removal : I hereby demand the immediate removal of this account from my credit report. As the creditor has failed to adhere to the required procedures and has engaged in harassing behavior, I assert my right to have this account deleted from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ). 

In light of the above, I demand that all communications regarding this debt cease immediately. Furthermore, I request that Jefferson Capital Systems LLC take immediate action to investigate and rectify the violations outlined herein, including but not limited to the removal of the account from my credit report. 

Please be advised that any further attempts to collect on this disputed debt or any continuation of harassing communications will be met with appropriate legal action. 

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

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : Account # : - XXXXXXXX XXXX  / Account # : - XXXX XXXX XXXX XXXX / Account # : - XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - Account # : - XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) / Account # : - XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) - Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) / Account # : - XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX / Account # : - XXXX XXXX XXXX XXXX XXXX Account # : - XXXX XXXX / Account XXXX XXXX - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Credit reporting or other personal consumer reports

On or about XXXX 2024, I applied for a credit card with Capital One. They subsequently approved the card, but the credit limit was not what I was hoping for, and I advised them that I didn't want them to send the card to me because I had no plans to use the card or activate it. To this very date, I have not received the card and I called multiple times and advised them that I didn't receive the card. They said that they would report it as lost and send out a new card and I advised them not to do so because I didn't want it and the female rep agreed. Today, I received an alert from XXXX XXXX that I opened a new account and that is not the case because I still do not have possession of the credit card and I did not activate the card.
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to require us to remove any incorrect accounts from my credit report. Could you verify the documents? Some of the accounts listed contain inaccuracies in reporting, such as incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX, Still shows on my account with a balance and balance was paid in full in XXXXXXXX XXXX XXXX.
Product: Mortgage

To Whom It Might Concern, This is XXXX XXXX XXXX and XXXX XXXX, we are owner of our home at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. We have been divorced and still in contact to care of our children. Judge granted the above address to mainly be XXXX XXXX 's home. We have contacted CHASE quite a while ago to give us a final amount as a XXXX time settlement because we pay CHASE monthly ( {$400.00} USD ) and the payment does not go into the principal or affect the principal, and the principal is {$160000.00}. We are asking for {$5000.00} as a XXXX time payment. We have paid CHASE this monthly amount for more than XXXX years. We originally took out the amount for my XXXX 's and basic house renovating due to old age. I ( XXXX XXXX ) plan to petition for Bankruptcy Chapter XXXX because I am in financial trouble, XXXX XXXX is also having his severe financial burden, I do not know what the destiny of this Home Equity Line of Credit loan because it has both of our names. I also have to pay XXXX XXXX XXXX mortgage as our XXXX loan monthly of {$1400.00}, The principal balance is {$180000.00}. I have been making payment on time because I fear I might loose my ( XXXX XXXX ) only home if I skip the payment and also I want to keep the integrity of my promissory note. The monthly payment is from borrowing and I am running out of place/people to borrow. I professionally seek to have a settlement with CHASE. CHASE is not willing to work with us in any way. We have called in, we have sent letters, we got nothing returned. We feel like we are in trap of interest. I also want to know if this CHASE Principal amount is forgived as part of the Department of Justice-State Attorney Generals National Mortgage Settlement. I respectfully ask for your help of contacting CHASE and give us XXXX time settlement or give us options. 

Looking forward to hear from you and thank you very much for your attention on this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Vehicle loan or lease

The complaint at its core is the loan was charged off and closed prior to receiving all insurance monies. The vehicle total loss date was XX/XX/XXXX. All payments had previously been made on time or prior to monthly due date of the XXXX up to and including the XX/XX/XXXX payment. I knew everything would be covered by the primary insurance, service contract cancellations, and GAP payments and communicated this to the finance company multiple times. Because of communication issues between the finance company and the primary insurance company, the insurance payments were delayed from the very start. I had to email the Settlement Summary from the primary insurance to the finance company on XX/XX/XXXX because they could not communicate and I had to step in. It was this same day that I sent the finance company the GAP checklist to obtain GAP benefits.
OnXX/XX/XXXX I physically went to the dealership from where I purchased the vehicle to cancel the extended warranty and oil service contracts. I found out much later that only the extended warranty was cancelled at this time. It took approximately 2 months for the extended warranty cancellation refund to reach the finance company and my account. I did not realize until the end of XX/XX/XXXX that the oil service contract had not been canceled and it seems the finance company had no idea either. Once I realized this mistake, I physically went back to the dealership to have the oil service canceled even though I have paperwork showing it was cancelled in XX/XX/XXXX.
The initial GAP payment was made in early XX/XX/XXXX. The breakdown I received was dated XX/XX/XXXX. In the GAP benefit calculation the original full price of both the extended warranty and the oil service contract are deducted from the initial payment. In a page accompanying the breakdown titled " Important Questions and Answers '', an explanation is given as to how a supplemental payment is made to the lender for the used portion of the extended service contracts. I highlighted this section in a phone call and email to the finance company both occurring on XX/XX/XXXX.
In early XX/XX/XXXX, I received a final bill closing the auto loan account. I emailed the finance companyXX/XX/XXXX to once again highlight the paragraph explaining the supplemental GAP payment to show they were closing the account in error. On or just before XX/XX/XXXX I received a breakdown of the supplemental GAP payment which I immediately emailed to the finance company. I then called and spoke to the finance company about the final payment from the GAP policy. The GAP company had amended my finance contract to state the finance company would backdate insurance benefit payments to the date of loss as had happened with the previous payments but since the account had been charged off, they could no longer backdate the final payment from the GAP company. I was told by a supervisor that they were in the process of waving the final balance of {$13.00} but that has never occurred.
Product: Mortgage

XX/XX/24 called PNC after receiving a escrow analysis with a higher monthly payment because PNC made an error and over paid the homeowners insurance. Payment should be {$940.00} and lender as assessed it at {$1100.00} because lender made a duplicate payment to homeowners account and charged homeowner for the error. 
Homeowners already paid the yearly homeowners and lender was provided the information prior to closing costs. 
Spoke to agent XXXX who verified that PNC generated a payment to XXXX for {$1100.00}. For the homeowners insurance and said she would escalate this for an escrow waiver process. 

She then transferred me to XXXX in XXXX who put the blame on the borrower by stating we didnt notify the lender but in fact emails were received and sent to lender prior to closing with a receipt and declarations page of the insurance. XXXX said she was calling the insurance about the cleared check and requested it back and then forwarded me to XXXX. 

I was on hold for nearly an hour then XXXX came on the phone from homeowners processing center to remove the insurance from the escrow and apologized. She said while we sort this out, not to make a payment and lender would waive any fees under the circumstances and while PNC worked to get the check back and while the do a mortgage adjustment then somehow we were disconnected. In total this call was XXXX hours. 

XX/XX/24 phone call to PNC. Waited more than XXXX min before speaking with XXXX in mortgage. 
XXXX said everything the previous agent XXXX had said yesterday before was inaccurate and I'd better make a payment, that PNC will not waive fees. 
I asked to speak with XXXX and was placed on a XXXX min hold. XXXX then got back to say a XXXX wouldn't be able to help me, I again asked to speak with a XXXX and she put me on a XXXX min hold prior to forwarding me to a XXXX. 

In the meantime, I called with another phone and spoke with PNC agent XXXX XXXX very nice person who said it should only take a couple moments up to XXXX mins for a XXXX. I was then put on hold then you could hear a long beep like someone was pressing a phone number to make a noise and this went on for more then XXXX mins before I was disconnected. 
Meanwhile I continued to hold with XXXX for another XXXX min before I was connected to XXXX, where I was told that I am recording the call and she refused to speak to me. 
I then called a XXXX time and spoke to XXXX in loan department. Asked to be forwarded to the escalations department where I was put on another XXXX min hold before being connected to XXXX at XXXX in lending department who created an escalation. 
Issue is a refusal to correct a second payment error with the escrow account, refusal to remove insurance escrow account, refusal to do a mortgage adjustment so borrow can make an accurate payment, refusal to provide a process to request a refund on the overage, inability to reach a XXXX, misinformation provided across XXXX lender agents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX Balance : - ; Bankruptcy : XXXX XXXX # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; According to FCRA Section 605B ( a ) the CREDITREPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you again because I filed a complaint about Experian on XX/XX/20 complaint XXXX explaining that accounts for XXXX XXXX, Division of Child Support, XXXX, and XXXX XXXX were not my accounts. All these accounts are FRAUD accounts and need to be deleted and BLOCKED from my Report. I did not open these accounts and have not received anything form these companies. I was told that the investigation would take 30 days but I have allowed well over that period of time & they are still reporting these accounts as of XX/XX/20. I am asking again that these accounts be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. There is some fraudulent information on my file in which should be blocked within 4 business days. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy - Federal - XXXX Violated my rights .... 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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.
Product: Student loan

At the age of XXXX my husband was laid off from his company. He continued to work at XXXX to make ends meet. At age XXXX he was diagnosed with XXXX XXXX XXXX. He was unable to work. We repeatedly called to ask if we could lower our payments. Navient said no but we could do a forbearance. At the time the loan was approximately {$45000.00}. Everytime our forbearance was up we ask for a lower payment. They said no we can only do a forbearance. At one point I tried to pay interest only but could not do that with medical bills, prescription costs, etc. At age XXXX we called again and were told no, ... .the only option available was forbearance. Meanwhile at 10 % interest the loan is well over {$70000.00}. There is no way that we can ever pay off that amount. Now we are receiving calls from multiple companies to " help '' us pay off the loan. I have read that these are scams. I ca n't sleep at night because I know there is no way we can ever pay if off. If we do n't I have read that they can take everything. We do n't have much but what we have we have worked hard for when we were younger and would like to keep. I was never notified that Navient would be our loan servicer until after it happened. I am extremely upset and wondering what to do next.
Product: Credit reporting or other personal consumer reports

My last place of rental was abated, leaving me completely free of having to pay for any fees tied to the apartment. Due to the apartment failing an inspection. I sent proof of the abatement letter from my housing specialist, stating that I did not owe the apartments any fees. XXXX, XXXX, AND EQUIFAX still have the debt of {$1000.00} listed on my report. Making it difficult for me to rent elsewhere!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

The company is attemping to collect a debt from an XXXX XXXX  in the XXXX XXXX area ( early XXXX 2023 ) after I was seen for a XXXX XXXX. I had active insurance ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) however the company did not bill the insurance company and is attempting to collect a falsely elevated debt due to them not filing appropriately to be paid by my health insurance. I contacted the debt collector and the XXXX XXXX and the XXXX XXXX XXXX. However, neight the debt collector or XXXX XXXX XXXX are acknowledging their failure in billing my insurance and are attempting a false out of pocket expense. My health insurance was never billed for their service as it should have been. I would never recommend this XXXX XXXX services due to falsely attempting to collect money for a debt that they never sent to my health insurance for payment.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 ( MONTHS REPORTING 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.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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
Product: Checking or savings account

To whom it may concern, I notified my banking institution ( Bank of America ) on XX/XX/XXXX of fraudulent activity on my personal checking account that occurred between XX/XX/XXXX and XX/XX/XXXX. Someone was making XXXX Transfers out of my account without my authorization. I placed a freeze on my account and opened a new account with bank of America. One week later, I found the same charges happening and placed another freeze on my account. A claim for both fraudulent charges was made on XX/XX/2018 and XX/XX/2018. It wasn't until XX/XX/2018 that Bank XXXX XXXX notified me that they were denying my claim and has yet to notify me in writing that this happened. It was only because I went to my local branch to inquire that I found out this information. The claim was denied on the basis that the money was wired from my account using an IP address and email that was consistent with previous transactions. 

Later that day, I sent proof to the claims department that my computer was hacked and someone illegally took money ( {$20000.00} ) from my account. It wasn't until XX/XX/2018 that the bank confirmed that they received the documents I send on XX/XX/XXXX. I am now being told that they have until a date range of XX/XX/XXXX through XX/XX/XXXX to make a further decision on my fraudulent charge. In the interim, I have bills to pay including my mortgages of which that {$20000.00} was to pay. 

I am unable to speak to anyone at the bank that has any real knowledge of what is going on and I am not even certain that I have provided enough information to prove that I was hacked. I am not an IT manager so I really do not know if what I gave them is suffice. 

Every time I call them, I get the same answer that they are working on it and they will not provide me with the required credit after 10 business days as outlined in their own procedures because they are claiming that the claim was closed by being denied and their clock starts over. 

I have provided everything that I think I need to prove my case and every day that goes by is another day that data gets lost within my system. Not only was my identity stolen, my computer system hacked and my personal property taken from me and my family but now I get to wait 30-45 days to see if Bank of America has enough information to even get to the next step.
Product: Mortgage

Upon transfer of my account my payment was {$470.00}, within 2months increased to {$750.00}, two months later to {$1000.00}. Was told that prior company was not charging enough and they added insurance. Found separate insurance and was instructed by them to forward them the invoice and they would pay out of escrow. Never did, therefore insurance cancelled. Tried getting explanation numerous times and tried making payments, they would not accept. Mailed them a cashiers check for amount close to what I owed, since I could never get a straight answer regarding amount, and they returned stating an absorbenant amount. Have send numerous emails and left messages for return phone call to no avail
Product: Credit card or prepaid card

My account had a fraudulent credit card purchase which I refused to pay because of the fraudulent charge which I informed Discover Bank to correct before I make a payment. During this time I was reported on my credit report 30 days past due to my credit reports. I am requesting that Discover remove the late payment they reported on my credit reports as this incident resulted from Identity Fraud and fraudulent charges.