23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Jefferson CapitalSystems Account # XXXX XXXX XXXX {$1100.00} I never had a contract with this debt collector for any debt. In XXXX and XX/XX/2024, I requested written validation please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. They never responded. 

Additionally, I never had an account with XXXX. JEFFERSON CAPITAL failed to provide me original signed contract.

I requested validation and proof of this debt via certified mail. Receipt returned XX/XX/2024 that they received noticed. This company failed to provide me with validation and proof that I have a contract with them. Please investigate this item or please delete from my credit report. 

Additionally, this debt that is not mine was sold to XXXX XXXX XXXX in XX/XX/2024 and to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my report that I have no knowledge of authorizing : EXPERIAN : XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting

I have sent transunion proof of my name change and they have not changed it in their records. My name is XXXX XXXX XXXX and they still have me as XXXX XXXX. The XXXX purchased what I thought was supposed to be a membership for {$21.00} and instead they claim I only purchased a 1 time credit report and score when the membership is only XXXX per month. So after buying this one time credit report and score and seeing my name is not correct, I called them and told them my name was different as I have several times before. The representative did not help me with changing my name so I asked him why my credit score changed and he gave me several invalid reasons that did not pertain to anything on my credit history or with my credit situation. My credit score went from a XXXX last month to a XXXX this month with changes to my report or loan payments and no explanation. Transunion representative behave as though they do not care about the consumer and make decisions towards consumers without reason and it affects them negatively. I 'm not understanding how a company that consist of what seems like all foreign people are allowed to make decisions about consumers in a different country.
Product: Mortgage

I have now paid 27 % interest with a {$120000.00} prepayment penalty and {$99000.00} balloon payment for my house. 

Is this illegal? 
I believe the balance is my XX/XX/XXXX mortgage paid off in XX/XX/XXXX refinance with XXXX.
Product: Mortgage

I received a notice yesterday ( XX/XX/XXXX ) that my escrow account was underfunded for XXXX and my escrow payment would be increasing in XXXX by {$700.00} a month ( {$8400.00} ) a year. This would be a roughly 60 % increase in my monthly payment. 

I called Investors Bank and they said it was because my account underwent a review in XXXX and my escrow was deficient and there were also increases in the estimated escrow for XXXX that needed to be spread over 12 months. 

I think this is terribly unfair for a bank to give a customer two weeks notice that their monthly escrow is increasing by {$700.00} per month for the next 12 months. There should be protocols in place to identify this shortage or under-funding well in advance of the new calendar year. 

How are families supposed to budget for this type of increase, especially right before the holidays?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX, XXXX, has violated my rights. 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 : i also states a consumer reporting agency can not famish a account without my written instructions.
Product: Credit card

This is a follow-on to the response that Bank of America had sent on Case number : XXXX. 

I have personal reviewed all the documents they have sent and even called some of the companies that were on the statements. However most do not respond especially the shady ones like XXXX and XXXX where I have seen alot of the transaction come from. Also there were foreign transaction fees in which makes things more confusing because I have not left the country in the specified time period that they had specified in the case. It also concern me that they say I had two account numbers XXXX and XXXX and no signed document to show that this account was opened or verifying the agreement of debt. This is their words verbatim from the letter : " XXXX, we regret that we are unable to comply with your request to produce a copy of an original signed application for the account. The application is over five years old and is no longer available. Nevertheless, according to the enclosed Credit Card Agreement, you are obligated to fulfill the terms of the agreement after the account is closed. As of the date of this letter, the amount owed to Bank of America for the credit card ending in XXXX is {$9100.00}. '' The Fair Debt Collection Protection Act actually requires the original signed form of indebtness it in light of the things that happen in the mortgage crisis that led to the Real Estate market crash of 2008.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, XXXX  OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX  OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPENED XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX OPENED XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, has violated my rights.

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
Product: Checking or savings account

This has been an ongoing issue since XX/XX/2022 I have filed over XXXX disputes I have lost over {$25000.00}. Ive tried to tell this bank that I had identity theft and somebody was going into my account using debit cards etc I spoke with XXXX XXXX XXXX who got back about {$6000.00} of my money I recently received a letter from fifth third bank, stating that an employee of theirs misuse my information, including my name, address, phone number, Social Security number, and account for their own purpose, and to be alert, and to watch out for any unauthorized activity on my statements from XXXX to 24 months etc. Ive tried to file a claim under there I identity theft insurance just to keep getting directed to XXXX. This is not Experian issue. This is the banks issue. What do you do when you keep complaining and keep filing disputes and keep talking to people and nothing gets done. Justice Has to be served.
Product: Mortgage

I have a mortgage with Webster Bank on a condo worth {$100000.00}. The balance after 12 years is {$47000.00} and the mortgage started at about {$59000.00}. My car broke down from shoddy repairs at a dealer and I applied for a Home Equity Line of Credit for {$5000.00} to {$10000.00} and the rejection letter I got today says I applied for a loan fro {$32000.00}. They are a predatory lender when trying to refinance or apply for refinance or anything regarding an existing mortgage. I asked for a copy of my application I made over the phone with my local branch XXXX and have n't gotten it yet. I was referred to XXXX Credit Counseling XXXX XXXX whom I have been to when I got the mortgage on my house XXXX. I have had nothing but trouble with identity theft since. Webster Bank put all these identity theft flags on all my accounts and did not take that into consideration when I applied for my loan. I applied over the phone XXXX XXXX XXXX XXXX, XXXX, CT
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. 

List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C XXXX 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 XXXX 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: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving vulnerable to scams.
Product: Debt collection

On XX/XX/year>, I submitted a debt validation dispute regarding an alleged debt reported by LVNV Funding LLC In response, LVNV Funding LLC claimed the debt was valid without providing sufficient evidence to substantiate their claim. Under the XXXX XXXX ( XXXX ), financial institutions are required to ensure that the information they share or report is accurate, secure, and handled responsibly. 

By failing to adequately validate the debt and continuing to report or pursue the debt without proper evidence, LVNV Funding LLC may have violated the following XXXX obligations : Safeguards Rule : The institution failed to protect my personal financial information by inaccurately reporting or verifying an unsubstantiated debt. 
Privacy Rule : The lack of transparency in handling my dispute undermines the right to clear and accurate information regarding the alleged debt. 
This mishandling raises serious concerns about compliance with both federal privacy regulations and consumer protection laws. I formally request full validation of the alleged debt, including all documentation supporting its legitimacy, and assurances that my personal financial information is being handled lawfully.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on PHEAA ( XXXX XXXX XXXX ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Below are the following accounts with erroneous information. 

XXXX ( XXXX XXXX XXXX ) XXXX OPENED XX/XX/2020 BAL {$5100.00} ; XXXX  ( XXXX XXXX XXXX ) XXXX OPENED XX/XX/2020 BAL {$11000.00} ; XXXX  ( XXXX XXXX XXXX ) XXXX OPENED XX/XX/2020 BAL {$19000.00} ;
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 : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXXXXXX, the agent on behalf of the XXXX XXXX XXXX XXXX, Estate. THIS IS NOT A DISPUTE, but rather a notice and complaint to correct and update unfair and inaccurate information being reported on behalf of the Estate. I recently checked the Principal 's credit report and observed late payment information being furnished to credit reporting agencies including but not limed to XXXX XXXX, XXXX, and Equifax. XXXX XXXX and XXXX is showing a late payment for the month of XXXX in XXXX and Equifax is showing a late payment for the month of XX/XX/year>. How can this be? And if credit reporting for a Principal 's account must be 100 % accurate, fair, and complete, why is there an inaccuracy on the Principal 's credit report? The Principal is seeking new credit for personal, family, and household purposes and is being denied due to this error. I am seeking redress, to be compensated for damages in the amount of {$1000.00} for this error, and for the late payment information to be permanently deleted from the Principal 's file with XXXX XXXX XXXX XXXX and for the tradeline information to be updated with the credit reporting agencies to show that the " account '' is " payed as agreed ''.
Product: Credit reporting or other personal consumer reports

I have been disputing these fraudulent and inaccurate accounts. I have also included an FTC in my previous dispute.
Product: Debt collection

On or about XX/XX/XXXX XXXX XXXX initiated a consumer credit transaction with this COMPANY. The COMPANY took a wet, blue ink signature on the agreement and sent the consumer a copy via email. When I reviewed the copy I noticed that the signature was completely and visibly altered. I signed the name in a very specific way, adding the words " w/out recourse. '' That signature acts as an acceptance on my part under certain conditions. The COMPANY accepted the agreement and then altered the agreement which is completely illegal. There is also no 2nd party signature anywhere on the document. Also, Please note also that I was never provided with any notices of my right to rescind per TILA regulations. On XXXX XXXX XXXX XXXX notified company that he wished to invoke his right to rescind his signature entirely on application number XXXX and the loan agreement and mailed in a Notice of rescission via certified mail number XXXX XXXX XXXX XXXX XXXX. No response was ever received by the COMPANY. I have since sent a Demand for Validation and Proof of Claim and asking for an explanation as to the alteration of my signature and also why my Notice of recession was dishonored and ignored. That letter was sent via certified mail number XXXX XXXX XXXX XXXX XXXX. Once again, no response. 
That Notice was sent a 2nd time today on XXXX via certified mail number XXXX XXXX XXXX XXXX XXXX XXXX and this time was sent to the Corporate office intended for the XXXX XXXX XXXX. The Notice Contains it's own Self Executing Contract should the COMPANY wish to continue to illegally report this information to the consumer reporting agencies. 
For the reasons stated above the account should 100 % be closed but if not I am also demanding validation of the debt pursuant to 15 U.S.C. 1692g. The law is clear and the company officials know what is meant by truly validating a debt and providing Proof of Claim. The docs were to large to attach to this file but I am happy to provide them to whoever requests a copy.
Product: Checking or savings account

I'm XXXX and still living with my mother. I had a substantial amount of money ( to me ) saved up. Right at {$100000.00}. I held it all in my XXXX account. ( I used it for a " savings '' account ) I transferred it all into my Wells Fargo checking account as I'm looking to buy a house soon. I deposited the funds ( {$100000.00} ) on XX/XX/XXXX. All the withdrawals were made less than a week later. A total of {$95000.00}. One was even a " Business to business '' transaction and I don't even have a business account. I don't check my checking account balance often because I use credit cards and pay them off with my checking account balance, so I didn't notice any of this until yesterday ( XX/XX/XXXX ) while I was at work and immediately left due to the fact my life savings at XXXX are just up and gone. I call Wells Fargo yesterday ( XX/XX/XXXX ) and they tell me everything is fine as it wasn't my fault. I ask them to cancel my card and change my account number AND turn off wire transfers completely. Today ( XX/XX/XXXX ) I get a call from Wells Fargo and I am told that they think I spent {$95000.00} in under a week. Due to who the merchant the money was sent to because I have used them in the past ( XXXX and middle of XXXX ). I go on to tell the lady that {$95000.00} almost six figures is a lot to spend for someone who is a firefighter and it takes XXXX years to make that sort of money, and that's not spending a penny of it. Goes on to tell me the chances are small that I get my money back and can't tell me where the money even ended up. Have had issues from Wells Fargo before and this does it for me. {$95000.00} doesn't vanish and all you can tell me is " we think it was you, because you've used this merchant in the past '' I want my 5 years of saving money back as my whole future just went down the drain.
Product: Credit card

I closed a credit card on XX/XX/year> and was told by yhe representative ( over a recorded line ) that my cash rewards balance ( {$120.00} ) would automatically transfer to my account balance once the quarter ended on XX/XX/XXXX. My rewards balance was never transferred and I was told by wells fargo that my balance had been forfitted. This was obviously not what they said on the phone and had I know I'd lose the balance, I'd have just kept the account open for a few more weeks to collect. I sat on the phone with WF for XXXX minutes only to be hung up on and told my balance now belonged to WF.
Product: Debt collection

On XX/XX/2017 I got a call from Recovery Management from a masked number which was XXXX informing me or legal counsel to call XXXX with a case number of XXXX. Persons name was XXXX XXXX and when the Manager came on he demanded XXXX dollars on my debit card to hold my settlement amount of {$700.00} from a old XXXX debt. He threatened me with court action without letting me talk and hung up. 

I told them I settle for the {$700.00} but did n't have any money. I even said I 'll pay the {$50.00} to hold my settlement but as a one time payment not as a recurring payment. The manager said NO and said " we 'll see you in court '' and promptly hung up without letting me talk. 

On XX/XX/2017 they called several of my family members who have no connection to my financial situation. They called my brother and cousin and leaving them a voicemail with my name.
Product: Money transfer, virtual currency, or money service

My 2022 federal and state return was deposited into a USAA account. I did not provide that account information nor do I have any connection to USAA or have ever had an account at USAA. I filed multiple XXXX traces and USAA has refused to respond to all of them. I asked a different accounting firm for help wit
h recovering my stolen refunds and he began working with our senators office who contacted the XXXX. 
The XXXX suspects that the prior accountant had changed the account information on my return ( I had esigned it, so this is possible to do after I had signed ) into his account at USAA. 
XXXX has not been able to recover the funds to this date. 
I was referred to the XXXX around the end of XXXX. I was told needed to contact XXXX and find out what the results of the refund trace are. This is when I found out that USAA has refused to respond the the trace. 
From the information Ive received from XXXX and XXXX it is reasonable to think that the account information on my return was altered, it was deposited ( likely into the accountants account, or someone linked to him ). How USAA accepted a wire that didnt have my name on the account is beyond me, the firm I have helping me recover the funds and my banker.

I believe that USAA is allowing criminal activity by not responding to the XXXX trace. I believe the person who stole my refund is the owner of the account the refunds were deposited to and they are not allowing USAA to return the money to the XXXX so it can be returned to me.

I feel I have the right to know why USAA wont respond, who owns the account my money was deposited into, why USAA accepted a deposit that would have had my name and SSN on it and deposit it to an account that has no connection to me at all.

I have the dates of all the major events and the account numbers used.

I also have the original copy of my return with my correct account information on it along with the copy of the return that has the amendments needed ( I forgot to file a 1099 ) with the wrong account information.

I can provide all of this, along with contacts from the different agencies I have been working with.

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

Comes Now, Executor of the Precedent Vested Estate XXXX XXXX XXXX, XXXX XXXX, XXXX here to settle all matters dealing with the principal debtor. As an Investor of the United States, Certificated Security Holder of the principal debtor/Franchise/Cestui que Trust XXXX XXXX XXXX, I have dominion over all rights/interest of the principal debtor, all enjoyments, proceeds, titles, deeds, bonds, chattel papers and securities are due unto me as I have the right of subrogation as the holder in due course. All property of the Precedent vested Estate has been conveyed into the Jurisdiction of the XXXX XXXX XXXX LIVING TRUST.