23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a debt collection letter via mail from Jefferson Capital Systems , LLC on XX/XX/2019 claiming that I owe {$400.00} from XXXX XXXX XXXX. I responded to Jefferson Capital Systems , LLC on XX/XX/2019 disputing the debt and requesting proper validation, such as the original instrument of indebtedness. Tracking via USPS certified mail confirms that Jefferson Capital Systems , LLC received my letter requesting validation on XX/XX/2019 at XXXX XXXX, but Jefferson Capital Systems , LLC did not respond. I sent Jefferson Capital Systems , LLC a follow up letter on XX/XX/2019 with USPS certified mail tracking in regards to not responding to my validation letter, as well as an FDCPA reminder for false reporting. Jefferson Capital Systems , LLC failed to respond. I sent another letter to Jefferson Capital Systems , LLC on XX/XX/2019 in regards to not responding nor sending me proper validation of this debt. Furthermore, I am requesting that ALL information pertaining to Jefferson Capital Systems , LLC and XXXX XXXX XXXXXXXX  be removed from ALL credit reporting agencies. I have maintained all proper records and documentation, which has been included in this complaint.
Product: Credit reporting or other personal consumer reports

I filed a complaint XXXX with the CFPB against Transunion and XXXX XXXX XXXX requesting that a fraudulent and inaccurate account XXXX XXXX XXXX be deleted from my account. I am a victim of identity theft and the XXXX data Breach. I received compensation from XXXX proving that they agree that my identity was compromised. The account is not in my name, I sent a FTC report as well as my proper identification and after several removals and reinsertions of without any 5 day notification which is required 15 U.S.C. 1681i by Transunion or XXXX XXXX, the account was finally removed again, based on the updated response in CFPB complaint XXXX. After calling Transunion to confirm that the account was removed, transunion stated that the account was not removed and is currently under investigation AGAIN. I believe that Transunion and XXXX XXXX have violated my FCRA rights by reinserting a fraudulent and inaccurate account with out proper notice and they are both reporting an inaccurate account. When I call XXXX XXXX and Transunion, neither company is willing to give me the information that was used in either investigations. This is my last attempt at resolving this issue via the CFPB. I have been left without any recourse but to hire legal council and report this unlawful behaviors of XXXX XXXX and Transunion to the attorney Generals office. I am currently on the phone with a supervisor that is telling me that Transunion never responded to the CFPB and that the response that is in complaint XXXX is inaccurate and they did not submit it. At this point, Transunion and XXXX XXXX are being untruthful and being allowed to lie to the CFPB as well as to the consumers by just saying anything in the complaints. I am not requesting ANOTHER 30 days dispute. I am demanding that the account is immediately removed. I demand that XXXX XXXX submit all certifications and documents to the CFPB as well as myself that they use to verify the fraudulent account as mine so that I may forward the documents to my attorney as well. Just saying that I am liable for the debt is not certification enough. I want to see my wet signature as well and my personal consent for this fraudulent account that is not in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
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. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX5 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: Bank account or service

On XXXX XXXX I placed an order with XXXX ( Order # XXXX XXXX for {$210.00}. 
Unfortunately, the item was received damaged and XXXX issued a return. They claim to initiated a refund on XX/XX/XXXX to my original source of payment, which was my debit card issued by Chase. 

On XXXX XXXX I decided to end my business with Chase for various reasons, I did n't like some interactions I had with them of recent, and I did n't feel comfortable with them handling my money. 
So since the refund was issued after the account was closed, Chase claims that they would not be able to locate the refund and issue a credit. XXXX claims that Chase would be able to do that. 

After making several phone calls to both companies, both reps and supervisors on both ends kept point fingers at who would be responsible for issuing me a check refund. I even had supervisors from both companies conference in two times and they could n't agree on how the refund will be issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account : XXXX ( Nelnet ) Account : XXXX ( Credit Agencies ) Reason for dispute : First, the name is incorrect which is an error, that alone is a reason for deletion according to FCRA Laws. 
This is my XXXX notice to you and you continue to ignore the violations you are committing. I've also sent a letter out previously and you chose to ignore it and say this was coming from a credit repair organization, to stall I guess. 

Furnishing this information to credit agencies without my consent infringes on my privacy, degrades my credit worthiness, credit standing, and character. Regardless if you think its valid and accurate according to the CFPB and XXXX you are still committing FRAUD by using my personal information and sharing it with XXXX parties ( XXXX, XXXX, XXXX, and XXXX ) without my PERMISSION OR CONSENT which is a violation. 

Pursuant to XXXX XXXX XXXX you are to respect my privacy as a consumer and you have not done that by sharing my personal information with a third-party credit agency. This violation is diminishing my creditworthiness, and demeaning my character. Pursuant to XXXX XXXX XXXX, any information solely as to transactions or experiences is to be EXCLUDED from reports. So this is another violation showing you were not supposed to give my personal information out. 

This is also an adverse action to me as a consumer and needs to be remedied immediately. By you sharing my personal information without my consent you are infringing on my privacy which is placing me in a bad credit standing. 

I asked that you remove all student loans accounts from all XXXX credit reporting agencies immediately. I will also be sending a letter to the XXXX for such violations. This is my last notice and I will seek damages if this doesnt get remedied. This is adverse and is damaging my creditworthiness. 

Account disputed : XXXX, remove from credit agencies. 
Account : XXXX ( Credit Agencies )
Product: Debt collection

Southwest Credit Systems. There is nothing showing on my credit score for anything owed or any defaults. I have recieved no written communication. They call at least three times a day.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 PayPal closed my account stating that I violated their policy for some unknown reason. The customer service lady stated that they will hold my {$2000.00} for XXXX 180 days to make sure they didnt receive and charge backs and after that they will release my money to my bank account on file. So today is XX/XX/XXXX and I checked my balance and it was down to {$0.00} because they took my money on XX/XX/XXXX before the 180 day mark and that is fraud to me because that is not what I was told when they closed my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am a consumer submitting this complaint on the behalf of myself without the influence of any XXXX  party being involved. XXXX is furnishing tradelines on my consumer credit file that is a result of aggravated identity theft 18 usc 1028a. My personal identifying information has been improperly used to furnish negative accounts on my consumer report that violates both together and separately my consumer and privacy rights. FTC report # XXXX and improper accounts being used to furnished negative items on my consumer report without my written consent or authorization by you XXXX XXXX, XXXX, Equifax and XXXX did not open this account nor authorize any one to open said accounts on my behalf. You are also reporting inaccurate, erroneous and fraudulent accounts, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or wasn't any transaction made by me without lawful authority, my written consent or authorization. 
Per the FCRA any account resulting from aggravated identity theft is to be blocked within 4 days of receipt of notice as outlined under 15 USC 1681c-2. Please cease the reporting of this tradeline on my consumer credit file. 
Please see attached FTC report number XXXX for reference. See attached docs as it this document counts as my statement, copy of my ID including my current address, the identifying information of the fraudulent inquiries, and a copy of a bill evidencing my address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than XXXX business days after the date of receipt by such agency of- XXXX ). appropriate proof of the identity of the consumer : XXXX ). a copy of an identity theft report ; ( Report # XXXX ) XXXX the identification of such information by the consumer ; and XXXX ). statement by the consumer that the information is not transactions made by the consumer. 

P.S. This written statement classifies as the statement required under the FCRA/FDCPA when reporting fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXXXXXX accounts : ( XXXX XXXX ), (  XXXX XXXX ) , ( XXXXXXXX XXXX XXXX XXXX ) ( XXXX XXXX ) , ( XXXX XXXX ) , ( XXXX 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 602 A : states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

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: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate miy disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. The list below is the account Im referring to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED.XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I understand that I had an outstanding balance that was gon na be fulfilled with a pay period payment to my business account, but they took funds from a new checking account that I opened specifically so they would not take funds from any of my accounts to satisfy a negative balance The total amount they took was around {$200.00}. This inconveniences me because I had plans to send the money to another company that I had owed this money to They didnt tell me that this was gon na happen. They didnt ask me if they could do this. They just did it without my consent.
Product: Credit reporting

I had a balance discharged on my XXXX XXXX XXXX account back in XX/XX/XXXX and I filed taxes on it and both the mortgage and the XXXX mortgage should be reporting a zero balance. XXXX XXXX XXXX continued to report a balance on my XXXX mortgage till I disputed it with the credit bureaus and it was updated to zero in XXXX. Much to my surprise this month XX/XX/XXXX, Equifax sent me a new report showing the balance being re-reported. I have disputed this multiple times and submitted documentation to the bureaus and XXXX XXXX XXXX showing the error and apparently to no avail. I need this updated to report correctly as soon as possible as I am trying to purchase a home and this is stopping me from doing that.
Product: Student loan

In reviewing my current loan balance of just over {$9000.00} to date, the interest rate has ballooned over the years to XXXX XXXX 

My first loan was taken out XX/XX/XXXX with an origination amount of {$4400.00}. I have since paid {$12000.00} in accrued interest with a current balance of {$3300.00}. My interest rate is currently XXXX XXXX. I still have an estimated XXXX years of repayment before it is satisfied in full. 

My second loan was taken out XX/XX/XXXX with an origination amount of {$7500.00}. I have since paid {$18000.00} in accrued interest with a current balance of {$5600.00}. My interest rate is currently XXXX XXXX. I still have an estimated XXXX  years of repayment before its satisfied in full. 

My current XXXX XXXX is XXXX. I have a good repayment status over the decades I have pretty much paid towards interest. This is nothing short of predatory. For decades I was a victim of circumstance struggling with underemployment due to systemic discrimination in the corporate workplace. Navient has contributed to the nations ongoing issue with consumer debt and needs to be held accountable.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that RECEIVABLES MANAGEMENT SYSTEMS would verify the debt. So I took it upon myself to ask RECEIVABLES MANAGEMENT SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit card

I have a Capitol One XXXX credit card. The card became damaged and kept saying " chip error '' when I would use it so I ordered a replacement card. I never received the new card. Instead, I come to find someone broke into my mailbox, somehow activated my replacement card, and began using it. There were many charges made to my account however, Capitol One is saying I am liable for the charges made " in person with the physical card '' even though I did not make, know of, or authorize the charges. They just charged back my account with {$1000.00} in which are mostly from XXXX XXXX, XXXX and XXXX. I did not make these purchases!!
Product: Mortgage

XX/XX/XXXX Statebridge Company took over loan servicing for my non performing HELOC. 
XX/XX/XXXX I sent a letter requesting a payoff amount for this loan as I had been trying to obtain one from the last servicer to no avail. There was no response from Statebridge. 
XX/XX/XXXX I sent another payoff request letter per Priority Mail ( Exhibit A ). Still no response from Statebridge. 
XX/XX/XXXX I sent a 3rd payoff request certified mail ( Exhibit B ). No Response from Statebridge. 
XX/XX/XXXX I sent a 4th payoff request via XXXX Signature required ( Exhibit C ). One week later I finally received the payoff amount in a letter they dated XX/XX/XXXX but did not get sent out till XX/XX/XXXX. 
The payoff amount is grossly incorrect and I sent a letter in XX/XX/XXXX requesting a detailed accounting of how they came up with this amount of interest due. On XX/XX/XXXX Statebridge responded needing more time. 
XX/XX/XXXX I received the detailed accounting which as you can see that pages 5 & 6 are blank where the monthly principal balance and interest should be. Also, the blank monthly entries stop at XX/XX/XXXX even though they are charging me for the interest due into XX/XX/XXXX. Needless to say, I can not get this to a forensic accountant with blank amounts. XX/XX/XXXX I sent a 2nd request for detailed accounting of this payoff amount via certified letter which was received per USPS ( Exhibit D ). To this day, I am still trying to obtain this detailed accounting from them. I have spoken with their loss mitigation office twice and they just say they are looking into it.

In the meantime, they have filed to Foreclose on my home. I can not payoff a loan when I do not have an accurate payoff.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, mandates the removal of any erroneous accounts from my credit report. Could you verify this by examining the documents? Some of the accounts listed are incorrect in terms of reporting, with inaccurate amounts and dates being reported.
Product: Credit card

Today, XX/XX/year> I received a notice from National Enterprise Systems, a debt collection company threatening to take action if I can not pay the full amount of {$XXXX} in full on the XXXX credit card that I previously had. I am currently struggling to make any of my household payments and all of my credit cards are in default state due to a financial hardship that I am currently experiencing. I can not afford to make this payment, but the threatening letter that I received stated that they would take and use any necessary action to collect this payment. I am also currently speaking with an attorney to file bankruptcy soon. I am deeply sorry that this has happened, but I did not foresee this financial hardship taking place and it has greatly affected my family. Thank you.
Product: Mortgage

Our loan with Loan Depot, based in XXXX, New Jersey, was paid in full by XXXX on XX/XX/2020. According to this site, the company has 20 business days to refund us the excess escrow funds and overpaid payoff amount ( Loan Depot inflated our payoff by nearly {$5000.00} ). To date, we have not received any money owed us. I called Monday, XX/XX/2020 and spoke to a woman named XXXX, who said our check for {$6400.00} had been processed on Thursday, XX/XX/2020. She told me I should wait until Wednesday, XX/XX/XXXX. So we did, and no check was delivered. I called Loan Depot back today to say the check did not arrive, and the woman working from home in Arizona told me there was nothing they could do. My problem was now with the United States Postal Service. 
This is unacceptable! They charged me interest through XX/XX/XXXX, they should now owe me interest for every day beyond XX/XX/XXXX. Companies run poorly like this one could hold my money indefinitely and hide behind the problem being tp with the USPS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX with Barclays Bank and they reported that I have a XXXX late payment for the month of XXXX, XXXX  on XX/XX/2022. I did not miss a payment nor was I late for the month of XXXX in XXXX. I have had 100 % of on-time payments and this situation is very frustrating and severely hurting my credit. 

I called the company and was unable to resolve the issue via phone. They told me to write a letter to the credit bureau department and I did. I sent the letter certified and it was received by Barclays on XX/XX/XXXX. Barclays has yet to resolve the issue.
Product: Debt collection

I was contacted by CSC for billing issues with a hospital. Briefly the hospital said they would discount the bills if I paid " quickly ''. They then said to wait to pay the bills to allow it to work it's way through insurance. When it finally did, they said they would not discount it because I had waited. 

They also had bills for services which I did not request and I specifically told them I did not want. 

On XX/XX/XXXX, I notified the company in writing that they needed to stop the harassing phone calls. They continued with them : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX On XX/XX/XXXX I told the person on the phone that I had requested they only contact me in writing. She said they had no record. 
They continued calling ... I am requesting records from the phone company. 

I called ahead to let the hospital know I was coming in for XXXX XXXX ( per a different clinic ) I arrived. While waiting for the XXXX the ER XXXX came in and told the nurse to get some XXXX XXXX. I handed her a disc and said " these were just taken, I do not want more XXXX ''. She took the disc. The XXXX dr did not do one other thing to justify any billing. She sent the radiologist in and they took XXXX. To justify billing she went against my directive and took XXXX which were not needed. She was in the room for approximately 20 seconds.