23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a security data breach on XXXX XXXX, 2017. Due to this incident my personal information was impacted by this breach. I am submitting a formal complaint. I believe that this security breach has highly impacted my personal information. 

After going to the site XXXX it appeared that I was impacted with this security breach. I did not enroll into any thing because I do not want to waive my right to sue. 

I was notified via email to prove that I was impacted by this security breach, also I have filed a police report. I am putting in a complaint against Equifax for their negligence of handling my personal information. 

I was previously a victim of identity theft in the past and I am worried about my personal information and security.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that were not authorized.
Product: Student loan

I tired to contact XXXX XXXX XXXX. Sadly the school closed down long time ago, to report that I was not the person those loans were handed to! I did some research and found out this school was a fake! They did not stay open long. The schools was in XXXX XXXX as stated firing the student loans account representative. 

This is terrible especially for my credit. I think it was back in XXXX or XXXX. I was living in XXXX expecting with my XXXX  child. Its scary how someone was able to get funding in my name.
Product: Bank account or service

i had several accounts opened for me which i did not request from wells fargo in XXXX ca and read some time ago the process was being questioned i think by the district attorney in XXXX whom i called. i was told they were only working on cases in XXXX and threw all my checkbooks, etc away ... i had paid my property taxes on an account that had no funds and was assessed over {$300.00} for a late fee and desired recourse. Is there any at this time due to the recent settlement or who do i contact? thanking you in advance for a response ...
Product: Debt collection

Recently I received a collection letter from a law firm known as XXXX XXXX XXXX, XXXX, claiming that they were trying to collect on a debt for a debt buyer known as Jefferson Capital Systems, Inc. There are issues that need to be rectified as there is no consistency pertaining to debt ownership. The following is the criteria that must be established in order to validate a collectible debt against me : 1 ) At no time was I ever notified that an old debt was purchased by Jefferson Capital Systems , LLC.

2 ) The debt is so old that it no longer is posted on any of my credit reports, which means that at the very least the debt is over 7-years since it was last posted on a bureau update. 
3 ) Any debt purchase in the Commonwealth of Massachusetts must show true copy ownership, as in this case XXXX XXXX XXXX  did no such transfer, nor was I ever given any such proof. 
4 ) The debt information was acquired through a debt pooling information program electronically, and thus this collection is a fraudulent transaction, being procured for collection by a licensed law firm that should be investigated by the Massachusetts Department of Bar Overseers.

5 ) The law firm of XXXX XXXX XXXX, XXXX. need to cease and desist on these types of action, especially to a minority person such as myself, being 50 % XXXX and 50 % XXXX. I believe that I am being discriminated against and targeted. I recently had two similar actions dismissed in the civil courts in the Commonwealth of Massachusetts, and this collection is also illegal. 
6 ) This collection is illegal, and XXXX XXXX XXXX  is in violation of my rights under the Fair Debt Collection Practices Act. 
7 ) My file must be purged and all personal information must be deleted, along with XXXX XXXX XXXX  recalling this debt information immediately. 
8 ) Any and all references to this account must be deleted on all credit bureaus. 
9 ) XXXX XXXX XXXX  must be investigated by all credit bureaus, and this activity on erroneous debt transfers must be terminated against minorities and consumers of the Commonwealth of Massachusetts permanently. 
Jefferson Capital Systems , LLC has an enormous amount of complaints filed with the CFPB already. 
As of XX/XX/2019, the Consumer Financial Protection Bureau ( CFPB ) has received over 1,700 complaints related to the debt collection practices of Jefferson Capital Systems/CL Holdings LLC. Examples of common complaints against Jefferson include trying to collect a debt not owed and improper communication tactics. 
The following two real-world examples of complaints against Jefferson Capital Systems illustrate these types of alleged violations.

Consumer alleges attempts to collect a debt not owed Jefferson Capital System said I owe XXXX XXXX After reviewing my recent  credit report I contacted the company letting them know this not my debt This Collection action must be pulled out of circulation immediately!!! 

XXXX XXXX
Product: Student loan

I went to this school inXX/XX/XXXX, did not graduate due my XXXX This loan is being handled by ( NAVIENT ) I have been dealing with NAVIENT for 10 years of this loan that XXXX I am on a fixed income of XXXX a month from social securty income. I have no way of paying this loan, and have been in contact with them about this. Ii have filed for ecnomic hardship, over and, over with them. I have also been approved for a total perment discharge for this loan, and the other loans I have through the Department of Education. All my loans have been discharged I have explained to NAVIENT, that my loans were discharged. I sent them proof that my loans were discharged. The department of Education has requested that my loan be transfered over to them for XXXX  discharge, as I am XXXX. NAVIENT tells me that have not got the request, and they keep charging me outstanding interest, and reported late payments to all major credit companys during my deferements. Late paymments were reportedXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX when I was in forbearance during these periods. They will not discharge this loan they keep wanting to put me in ecnomic hardship, then report late payments. I do not have the money to pay this loan. I do not even have the money to pay full rent. I was suppose to be in a voluntry forbearnce tell XX/XX/XXXX this is getting out of hand. It makes me sick that NAVIENT gets away with things like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve the inquiries on my credit report with the consumers but the customer service rep. was not interested in helping me remove the negative inquire on my credit report.
Product: Debt collection

On XX/XX/2024 I submitted a complaint against Zions Debt Holdings [ Complaint id # XXXX ] and in that complaint I attached a dispute letter that gave them a refusal to pay/cease and desist notice. In that notice I specifically explained and quoted the FDCPA and its laws regarding cease and desist. I had requested that this company cease communication with me both directly and indirectly through all mediums as described in the FDCPA however Zions Debt Holdings is still communicating with me via credit reporting. Credit reporting is an indirect medium as they are contacting a third party agency ( consumer reporting agencies ) about this alleged debt. This is a direct violation of 15 U.S. Code 1692c ( c ), in other words section 805 of the FDCPA. This is my last warning to this agency before I proceed with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings! For the past 3 months ( 2020 ) now I have humbly been working to clear up any and all errors on my credit report. In XXXX, XXXX and XXXX I have been working on asking the credit bureaus along with some companies to correct their wrong. I followed the blueprint I was allowed given the USA Law on the dispute process however these companies have gone to great lengths to violate and break the law. Now that they have done so month after month after month. I am humbly asking if you could please help me correct their error. They did not prove or validate anything to me according to the supreme law of Credit Reporting 3 months in a row. I am now asking to please have them correct their error. 
XXXX sent me a letter of a bill.. I don't ever recall walking or stepping foot into a XXXX  in mylife. 

This was like the time Soneone had open a XXXX XXXX card and I never still till this day walked or been inside a XXXX. I had that removed also. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ),. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Sent certified letters to Equifax ( XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/XXXX to provide proof that I consented to the inquiries below that are being reported on my credit report. Asked that they remove the below inaccurate inquiries and no response was provided. 

XXXXXXXX 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
Product: Checking or savings account

Wells Fargo mortgage personnel opened accounts in my names and my kids names while I was a mortgage customer of theirs. The mortgage employee regularly fed bank employees the account sign ups at the XXXX XXXX WA ( and other branches ) in exchange for customer information about their existing mortgage products/rates. I discovered this was going on when I started receiving mailers about the accounts and went to the bank to inquire. The amounts were relatively low for the accounts opened ( like XXXX to XXXX dollars ) but they were opened in my name with my information.
Product: Consumer Loan

Jaguar Credit is listing inaccurate information on my XXXX & XXXX Credit Reports. I have written to the credit reporting agencies in an effort to resolve this inaccurate reporting information, but with no success ( Exhibit # XXXX ). Jaguar Credit was listed in my Chapter XXXX Bankruptcy filing dated XXXX/XXXX/2012 ( Exhibit # XXXX ). Jaguar Credit is in violation of federal law and the Fair Credit Reporting Act.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX, someone went into Truist Bank and opened a checking and savings account in my name with {$25.00}. The person proceeded to take a line of credit in the amount of {$3000.00}, a credit card with a balance of {$3200.00} and a personal loan for {$8500.00}. I have already personally visited a local branch on XX/XX/XXXX, where they " froze '' the accounts. However Truist Bank has not removed them from my credit report! Even when calling customer service on XX/XX/XXXX, they kept transferring me to different departments and has not removed the fraudulent accounts. How Truist Bank allows someone to open an account with {$25.00} then immediately get thousands of dollars in loans/credit cards and subsequently withdraws all that money in XXXX ATM transactions over a few days and doesn't get flagged as fraud is ridiculous!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The inaccurate Accounts Include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2018 I gave {$2000.00} in cash to a Western Union agent in a XXXX XXXX XXXX   XXXX  in XXXX XXXX South Carolina. The money was to be transferred to a friend in XXXX XXXX. I was told by Western Union that the money was transferred and available for pickup by the recipient. 

On XX/XX/XXXX the recipient informed me the money was not available. He had the WU tracking number but the agent in XXXX XXXX informed him the money was not transferred. I called Western Union and they said they had a few questions for me before they would sent the money despite telling me on the XXXX the money had transferred. I explained that the money was for a friend whom I know well and have sent money to previously. The Western Union agent then told me Western Union would not allow the transfer as it sounded like a " scam '' to them. The agent on the phone told me I could collect my money at the XXXX XXXX where I made the initial payment on XX/XX/XXXX. The Western Union at XXXX XXXX told me they could not return my money as store policy limits them to {$1000.00} refunds. I called WU again on the same day and they advised me to try another local agent. I went to a XXXX XXXX where they have WU agents and was told the same thing. " We don't do refunds over {$1000.00}. '' Still XX/XX/XXXX, Western Union advised me on the phone to try other agents in and around XXXX XXXX. I went to a XXXX XXXX  in XXXX XXXX which was supposed to be another Western Union agent. XXXX XXXX  told me their WU system was down and they did not know when it would be " up '' again. I called a fourth agent, in a check cashing establishment, and they said " they don't have that much cash on hand. '' XX/XX/XXXX I called Western Union again and spoke to a man who identified himself as XXXX, agent XXXX. XXXX assigned a case number to my issue and further explained that I would receive a refund in the mail by XX/XX/XXXX. XXXX told me to call him back if I had any further problems. 

On XX/XX/XXXX I called Western Union to check on the status of the check. Their agent could not help me and he ( XXXX ) suggested I try to retrieve my refund in person. He was not able to transfer me to XXXX. 

On XX/XX/XXXX I spoke to an agent named XXXX who said they had no way of tracking the check but he would send an email to the department responsible for refunds/checks, copy me, and ascertain the status of the check. I never heard from Western Union one way or the other. 

XX/XX/XXXX I called WU yet again to see if any could assist me as I have not yet received the check. I spoke to two agents. The second one told me the check was sent on XX/XX/2018. Although it's more than two weeks I haven't received my refund. The agent assured me he would send an email to the appropriate department and copy me. As of this date, XX/XX/2018, I have not received an email nor a refund from Western Union.
Product: Credit reporting or other personal consumer reports

Creditor name ( Get it now ) ' ) reported incorrectly information which shown missing Months XXXX XXXX l. Have had thud company almost XXXX yrs. And l don't miss payments from company. I went and got printouts and the printout doesn't show missing payments XXXX or XX/XX/2024 l disputed these months notice no update or changes completed which was Disputed online with XXXX and never fix my credit report which Never change on my report scores always in between XXXX even payments payed in full
Product: Student loan

Making minumum payments of {$25.00} dollars which is what I can afford right now and still receiving threatining letters from navinet through the mail. Constant phone calls and rude representatives are calling all day. 
loan acct # XXXXprevious request webidXXXX- web
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX, TRANSUNION, AND XXXX are doing identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, 15 USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because XXXX, Transunion, and XXXX are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. These accounts are deceptive and inaccurate : TRANSUNION- ACCOUNT NAME : XXXX XXXXXXXX XXXX, ACCOUNT # XXXX TRANSUNION- ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX - ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX : XXXXXXXX XXXX  ACCOUNT NAME : XXXX XXXX XXXXXXXX, ACCOUNT # : XXXX XXXX- ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCT. # : XXXX TRANSUNION- ACCOUNT NAME : XXXX XXXX, ACCT. # : XXXX XXXX ACCOUNT NAME : XXXX XXXX, ACCT. # : XXXX TRANSUNION- ACCOUNT NAME : XXXX XXXX, ACCT. # : XXXX XXXX  ACCOUNT NAME : XXXX XXXX, ACCT. # : XXXX PLEASE DELETE
Product: Credit reporting or other personal consumer reports

My information got hacked and someone applied for a credit in my name to JPMCB on XX/XX/year>, A fraud inquiry was put in my file, I would like it deleted Thank you
Product: Mortgage

Told company, told i would be given a forbarence. was not told there would be a balloon payment. No deferal option
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balanced {$86.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$62.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX Balanced {$0.00}
Product: Mortgage

On XX/XX/XXXX I contacted Flagstar as I received a new statement increasing my mortgage payment from {$1600.00} to {$3400.00} due to real estate taxes. I submitted taxes for the year of XXXX since this was a new construction we only received one bill which was {$9000.00} but then I sent a corrected bill for {$8000.00}. My yearly tax is {$8000.00}. In XXXX the first installment is 55 % of {$8000.00}. The bill sent to {$4400.00} for first installment. The second installment is 45 % of {$8000.00}. {$3600.00}. This mortgage company is calculating my taxes to be $ XXXX. I called spoke to a supervisor and she said she would submit to the documents to escrow department to recalculate. They are adding the entire tax of XXXX and the first assessment of XXXX. I cant make the requested payment and Im afraid that my mortgage will desfavorable. I also reached out to a local flagstar originator and he was able to forward correspondence to me when I reached out to him. They didnt find any issues. It appears it wasnt escalated and sent to escrow department as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from transunion that a hard inquiry on my credit report from XXXX XXXX on XX/XX/2019. I have not had any dealings with this company now or in the past. I have called XXXX and they refuse to deal with this situation. I person gave me a case number ( XXXX XXXX XXXX ) but this seems to mean nothing to them when I inquire further into this matter.
Product: Credit card or prepaid card

My debit card account information that I receive my child support on was stolen and ALL my funds were withdrawn out of my account. I called and reported these charges were fraudulent on XX/XX/. I filed a police report on XX/XX/ as well. I have called several times trying to get information about when I will receive my money back and was told it could take 90 days. Today XX/XX/ I called to follow up on the investigation on the account and was told my claim was denied due to " similar account activity '' My account was drained out of New York I live in Kansas have never been to New York. I am a single mother on a tight budget. This was my child support money to take care of my XXXX kids. This has put a major strain on me and my family. I need my money that was stolen from me back. I have proof I was NOT in New York.