23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

My original debtor sold my Account to Jefferson Capital System with out a written consent to me. I Have never signed a contract having a debt or authorizing Jefferson Capital System to have my personal information. I believe it was wrongfully sold therefore causing this company whom i owe nothing to, to harass me and obtain my personal and confidential information. I am writing to formally demand that Jefferson Capital System cease and desist from [ specific actions or behaviors, e.g., unauthorized use of my intellectual property, harassment, etc. ]. Jefferson Capital System actions are infringing on my rights and must stop immediately.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a data breach. Giving someone access and opportunity for identity theft. Per the FRCA 606b 15 USC 1681c2 the following accounts need to be blocked and deleted. This is fraudulent, inaccurate and false information listed on my Equifax profile consist of the following accounts. 
XXXX {$650.00} ; XXXX XXXX {$5500.00} ; XXXX XXXX {$1400.00} XXXX XXXX {$780.00} I do not recognize the aforementioned accounts or collections and were not opened by me. These are a result of identity theft from a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please make an action to update the following items immediately : XXXXXXXX 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
Product: Debt collection

These accounts was not authorized by me XXXX XXXX XX/XX/XXXX {$940.00} debt collection company is Jefferson Capital Systems XXXX, XXXX XX/XX/XXXX {$1700.00} debt collection company SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$720.00} XXXX this is identity fraud I filed a police with the XXXX police department XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

Company failed to exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy. Company failed to adopt reasonable procedures for meeting the needs of commerce for my credit and other information in a manner which is fair and equitable to me, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the law. 

For more detailed complaint, please see attached evidence and documentation of failure to abide by the law.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute unauthorized activity associated with my student loan account, identified as Account Number : XXXX, with an original balance of {$20000.00}. My personal and financial information was compromised without my authorization, and I believe this XXXX have affected the integrity of my records. 

Under the XXXX XXXX Rights and Privacy Act ( XXXX ), my student records, including financial information, are protected from unauthorized disclosure or misuse. Given that my information has been compromised, I request a thorough investigation into the security and accuracy of my account records. I also request documentation verifying the legitimacy of this debt and any actions taken on my account/ credit report. 

Please provide a written response within XXXX  days confirming your findings and the steps taken to rectify any discrepancies. If this matter is not resolved and deleted from my credit report, I XXXX be forced to escalate my dispute to the XXXX Department of Education and other appropriate authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email about a decrease in my consumer report. When I checked my report, I notice my consumer report has unauthorized accounts. TransUnion has reported these accounts without my consent. I have never done business with this company. I never gave permission. I did not authorize which is fraud-related. I have terribly been violated of my rights as a consumer. According to federal law, it states To whom it may concern Under 15 U.S. Code 1681b -- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave XXXX, TRANSUNION, or XXXX any written consent to report anything on my consumer report, No consent is identity THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : XXXX
Product: Payday loan, title loan, or personal loan

To whom it may concern, Im contacting you to complain about Discovery Loans ' misleading loan process and to request a resolution that I deserve. 

On XX/XX/2022 at XXXX, I called Discovery Loan at XXXX ( XXXX ) XXXX to finalize my loan request to consolidate my debt after submitting an online request ( application number : XXXX ). In that conversation, I was informed that I was qualified for a loan and asked if I want to move forward with the loan process. I provided my consent to move forward as we agreed to use the loan to consolidate two of my existing loans with Discover Loans and pay off a couple of credit cards with the remaining amount, which was about $ XXXX. The loan specialist told me that I can enter the credit cards account information later online or via phone in order for them to be paid off. 

A few days later, once I gathered the information, I entered the cards account information online but received a warning that I needed to complete one last step. So, I called Discover Loans to finalize the process but I was told that they actually made a mistake, and Im not eligible for a new loan because I already have two loans with them and need to go through nine payment cycles for the latest loan I got with them in order to qualify for a new loan per their policy. I got that loan in XX/XX/2022 and the ninth payment is in XX/XX/2022, meaning that I am only a month behind. They told me they were going to look into if they could honor the loan or if they could remove the hard inquiry, which already impacted my credit score. 

After a few days, I had to follow up with them to get an update and I was told that they will not honor the loan and instead they will request to remove the hard inquiry from my credit history, which may take up to 40 days to process. I told them its understandable that the typical process to remove the hard inquiry from my credit history may take up to 40 days but its unacceptable for me to suffer the consequences of their mistake as my credit score is already impacted which complicated my financial plans and 40 days is too long for me to wait. I requested that they should honor the loan to make it worth to the damage on my credit score as well as interference my financial plans. 

Their actions and solutions are unethical and causes not only inconvenience but also harm to my finances and life. No individual or institution should be allowed to not fix their careless mistakes and impact on peoples lives. If the hard inquiry removal was immediate, I could accept it as a solution but given the length of it and its impact in my life, I dont accept it as a solution. The damage is already done and I need a better solution. Indeed, I request to be honored with the loan that I was originally told to be qualified. 

I look forward to hearing from you. 

Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA ( Fair Credit Reporting Act XXXX  account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer account as late for any purpose.
Product: Credit card

Thursday, XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX To Whom It May Concern, I have received my credit report from XXXX, XXXX, and XXXX. I have contacted Chase numerous. I am requesting an adjustment my Slate and Freedom account with Chase. I know this request is unusual, it is ruining my good credit standing. I realize things happen and my bank account has not had a high balance like normal and my utilizations on my credit card was over the limit over a month. If you look at my records, I was always on time and keep money in my Chase account. When Chase closed my account I was sending a payment of {$3600.00}. I plan on meeting with my financial advisor to put more money into my Chase bank account before XX/XX/XXXX. 
I have kept a honest and responsible relationship with Chase and will deposit over XXXX in cash into my bank account before the end of the month. I am requesting that you all re open my Slate and Freedom account. I know this request is unusual, it is ruining my good credit. I have attached statements for all of the accounts that I am requesting to be reopened. 

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

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 60 days 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Product: Credit reporting or other personal consumer reports

I am disputing the collections reported by the following agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), collectors are required to provide a validation notice containing the amount of the debt, the name of the creditor, and my rights to dispute within five days of their first contact. Neither agency has provided sufficient validation of these debts as required by law. 

Without proper validation, these collections are unverifiable and should not appear on my credit report. I request an immediate investigation into this matter and the removal of these collections if they can not be validated.
Product: Debt collection

I bought a vehicle 5 yesterday ago made payments for 3 years and some months. I paid XXXX for XXXX XXXX, but when I called for payoff they told me I still owed XXXX that's over 50 % more so I told them to pick vehicle up as they refused to negotiate. I signed an agreement for 21 % interest over the duration of the loan not 21 % per month so they came and took vehicle and resold it, but put it in credit bureau as owing XXXX and it also reads open. I feel I was taken advantage of and want it removed for unfair practice laws. This was a scam because I was told it was 21 % interest for duration of the loan, not an addition to the monthly payment.
Product: Mortgage

I already have a complaint in for LoanCare Services Mortgage company, but I need to put this complaint in because this company is just a nightmare to deal with. This mortgage company does not work with you or tell you things about your mortgage that you need to know. It also holds your mortgage hostage, what I mean by that is if you go into foreclosure or they want to start the process they send your mortgage to their lawyer and once that happens LoanCare Services no longer will give you information, even when the company says they are. Prime example, I had to sell my home because of the difficulties this company has provided to myself and my ex-husband, and so with selling on my home so I can pay off the mortgage LoanCare Services has on it I was not able nor was my realtor able to get a payoff of the current mortgage owed. Several request were place with LoanCare services to provide this information so they would be paid, but they refused to give it to myself, my ex-husband or the realtor. It was a circle with them, the company said we will give you the payoff we have to request it, days go by and nothing, but when you call them they don't tell you they aren't going to give you the payoff LoanCare Services just closes the request without telling the client and goes about their business. This was costing me the sale of my home, which I wouldn't of had to do if they would of helped me and honored that I didn't need my ex-husband to sign on the modification to help lower the mortgage. Also since not paying it, the escrow was never short, which was amazing to me that when I was paying it my escrow was always short..ALWAYS, but when LoanCare had to paXXXX my taxes on my behalf it was never short. AMAZING. With my mortgage being a federal government backing you would think LoanCare Services would be held accountable for their actions. This has cost me fees, time and mental anguish along with problems with my ex spouse and my children for loosing their childhood home because I couldn't fight this big Mortgage company or hire an attorney to fight for me. I contacted two lawyers and one was actually fighting LoanCare services for a client similar to my situation, with my ex-husband off the mortgage so I can do what needed to be done without involving him and that client also behind on mortgage payments fighting with LoanCare Services. There should be more ways for clients to help fight mortgage companies like LoanCare Services. Anyone that talks to me about this company I will tell them to contact Consumer Financial Protection because this company should be held accountable. All the pain that this company has caused my family should be addressed and compensated but because I am just a single mom it won't be address and I will be shooed away like a fly.
Product: Debt collection

I have tried to resolve this issue with XXXX  and the collection agency but they will not remove this account. I asked for validation of these accounts with documents showing they are mine and I owe XXXX two collection companies have the accounts. First collection company is AFNI opened XX/XX/XXXX amount XXXX the company or XXXX  who is reporting it don't have any documents. The second company is XXXX XXXX opened XX/XX/XXXX amount XXXX. According to section 609 of FCRA they have to give me some documents showing these accounts belong to me or Delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of Identity Theft from Data Breaches with XXXX  XXXX and Equifax. My SSN was hacked and stolen and used for Unemployment Benefits in Kentucky. I also have open actual factual inaccuracies within my credit report. I have 5 accounts that are reporting inaccurate late payments i would like these late payments removed immediately from the following accounts and updated across all 3 credit bureaus as a result of 15 USC 1681 ( b ) Permissible Purpose and falsely reporting inaccurate information, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I would like the following 3 charge off accounts deleted across all XXXX credit bureaus for InaccuraciesXXXX XXXX XXXX XXXX XXXX XXXX 

I would like the following 2 collection accounts deleted immediately from all 3 credit bureaus for inaccurate Date of Last Activity, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX 

The following inquiries are to be deleted immediately as I didn't authorize this, XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I have sent disputes on XX/XX/24, XX/XX/24 XX/XX/24 to equifax and I requested supporting documents of how the debts on my credit are in fact my mine. They have failed to provide how they investigated the issues. I asked on XXXX XXXX for them to send me a detailed discription of the procedures used to investigate serveral accounts that I will attach below! They failed to respond to my letter that I sent them on XX/XX/24! That is a complete violation!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, third party collection agency, for an original debtor, plain green corp date XX/XX/XXXX. This debt was never verified. They never sent me a bill or proof of this debt. Already reported this in collection to Trans Union back in XXXX. I disputed this back in XXXX, XXXX and it was removed from my Credit Report on XX/XX/XXXX. 

I receive an alert from XXXX XXXX that there was a negative item reported to TransUnion. I have called Transunion and are of no assistance. Though I have the credit from XXXX, Transunion and it clearly states this item will be removed on XX/XX/XXXX. It was, until it was re-reported again now. Same Company, same amount. 

This situation has made me sick, I have worked diligently to rectify my credit for over 3 yrs. Letter,  disputes, filing complaints. Now this again. How is this legal? This debt, whatever it is, is beyond the stature of limitations of reporting since it is from XXXX. 

They are now starting to robo call me. As of today. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX XXXX credit card that I closed in XX/XX/2015. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.