23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX Jefferson Capital Systems XXXX XXXX XXXX XXXX, XXXX  XXXXSubject : Dispute of Debt and Request for Validation under USC 1692 ( c ) ** Dear Jefferson Capital Systems I am writing to you regarding a debt that you have contacted me about. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692 ( c ), to request validation of this debt.

Please provide the following information : 1. The original creditor 's name and address.

2. The amount of the debt.

3. Copies of any documents that support your claim that I owe this debt, including the signed agreement that created the debt.

4. A detailed accounting of how the amount you claim is owed was calculated.

While this debt is under dispute and until proper validation is provided, I request that you cease all collection activities related to this debt as required by law. Additionally, please refrain from contacting me at my place of employment or by phone, and limit any further communications to written correspondence only.

Thank you for your prompt attention to this matter. I expect to receive the requested documentation within 30 days of your receipt of this letter. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

Fedloan Servicing is still reporting student loan account with a balance to all three major credit reporting agencies even though the account was transferred to another servicer and they are no longer Servicing any federal student loans. I initiated a dispute stating the account has a XXXX balance and should be reflected as closed and they did not respond properly. They had a remark added to my account that I disagreed with the result of the dispute. They failed to update the account balance to XXXX  and to update the account status as closed. The account was transferred to XXXX on XX/XX/2022 and they still have not corrected the reporting.
Product: Credit reporting or other personal consumer reports

Transunion is being allowed to run their consumer service without accountability. I have not received any information showing that they verified. They continue to send information is verified as accurate but has not provided anything. They were found guilty of discarding millions of letters without doing the proper investigation. Please hold them accountable. I sent the following disputes about my consumer report : XXXX XXXX with account number XXXX Each bureau reports a different date of last activity. This proves not to be accurate or complete. Please delete this account as the furnished is violating my rights as a consumer. I will pursue my damages for violating the Fair credit reporting act. 

XXXX XXXX with account number XXXX Each bureau reports a different date of last activity. This proves not to be accurate or complete. Please delete this account as the furnished is violating my rights as a consumer. I will pursue my damages for violating the Fair credit reporting act. 

XXXX with account number XXXX A monthly payment reported on closed account. This is a violation. A monthly payment can not be shown on a closed account. Delete this account for violation. 

XXXXXXXX XXXX with account number XXXX A monthly payment reported on closed account. This is not complete or accurate. Also XXXX is reporting open still. This account is closed. Please delete because this violating my consumer rights. 

XXXX with account number XXXX This account was sold but still reports a balance. The original creditor was supposedly owed the balance and sold it to this debt collector. I have received no information as to the sale of this alleged debt and no proof of it being my debt. Please delete this from my consumer report as it violates my consumer rights. I am aware I can pursue litigation as a result of theses violations. 

XXXX XXXX with account number XXXX need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. No proof? Then you can not report. Delete this account for violating my consumer rights. 

XXXX with account number XXXX This account does not have any remarks showing it was disputed prior to this dispute. This is a violation and needs to be deleted from my consumer report today. I will not tolerate the inaccurate and incomplete reporting of information. Delete. Delete. Delete. 

XXXX XXXX  with account number XXXX how can there be a past due on this collection? This is not complete or accurate. Past due can not be shown on a collection. Delete this account from my consumer report. Delete. Delete. Delete. 

XXXX XXXX with account number XXXX Youre required to report this account as transferred. Delete it. Also the Date of Last activity is different on all consumer reports. This is a violation and the debt collector needs to beheld responsible for the required completeness and accuracy of my consumer report. Delete. Delete. Delete.
Product: Student loan

I have called this company three times in the last month. I wanted my balance before my debt was transferred but they failed to send me the information. I paid XXXX XXXX of my own money but the loan that I see doesn't reflect that. I was told I was going to have a XXXX dollar payment from my last loan company XXXX XXXX XXXX They were a great company. Very helpful and answer the phone. but aidevantage said it will be XXXX. Then I went on the SAVE plan and aidvantage said it would change to XXXX. Then aidvantage still charged me XXXX. Please help. It's an hour wait every time I am on the phone and the representatives all tell me different things and they do not know how the repayment plans work. Also my loan keeps going up even though I am paying all the interest plus some of the principle. I work hard and I do pay my debt it's scary to just see it keep going up. Please help. I am currently on hold for 45 mins hopefully they will answer soon.
Product: Credit reporting

Equifax lowered my credit score by a whopping XXXX points. That unchecked action cost me and my kids housing. Our rental application was simply denied as a result of the down grade. Like XXXX working poor individuals with children, I am made the poorer when my hardship is compounded by the actions of a non-government ; corporate friendly capital giant and its practices. Consumers have very little protection. 

Equifax appears to indicate that balance increases in my student loan XXXX ( representing interest costs ) are to blame. Yet, these loans are being paid on time and an American consumer with dependent children should not be harmed when interest rates go higher while the student debt is being paid on time. Moreover, as a community worker, I am in the Public Worker Forgiveness Program established after XX/XX/2008. 

I need the XXXX point swing reversed and for the Bureau ( CFPB ) to establish a policy that will allow consumers the opportunity to challenge or correct a record before they are harmed.
Product: Mortgage

This is a dispute to case # XXXX and XXXX. Still no answers, and it 's very apparent they are not going to answer and are liars. 
This company preys on minority 's and there continued targeting of them should be labeled as a hate crime. They should not be allowed to execute mortgages or anything else. I have paid in advance, excessive mortgage insurance premium to HUD, with no justification of the amount. A year worth of PMI insurance. Paying excessive property taxes and PMI insurance to drain my escrow account which causes shortages in escrow account. Being retaliated against for exposing the fraud. This company has no respect for the law or the hard working citizens, I hope this case helps others and remember to FIGHT cause the truth will always stand. Just follow the paper work. I did.
Product: Credit card or prepaid card

On XX/XX/2022 I received a Kohls credit card that I never applied for. I spent almost an hour on the phone with Kohls and was told the card was opened with an online application on XX/XX/2022 and they could not provide me with any documentation.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to Transunion. 

If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, XXXX item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ... ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. The XXXX reporting agencies are also in violations of ... XXXX XXXX XXXX section XXXX A. States that I have the right to privacy XXXX XXXX XXXX Section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish a account without my written instructions. I also have a FTC report that was submitted to Transunion and clearly disregarded. 
Please remove XXXX ( XXXX ) - ( XXXX ) XXXX was removed and illegally place back on credit report XXXX OF XXXX ( XXXX ) - ( XXXX ) **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also, Transunion took more than 30 days to complete my investigation XXXX XXXX XXXX
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  : # 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 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, credit repair services, or other personal consumer reports

Credit report showing an obvious error submitted by XXXX XXXX XXXX XXXX stating that I was sent to collections in XX/XX/XXXX. I called the Child support collection unit and they acknowledge this was an error as I was never late on any payment and even had a credit balance in which they mailed me a check in XX/XX/XXXX when my account was closed because my son turned XXXX in XX/XX/XXXX so there was no way I was sent to collections. In addition my payments were automatically made another fact I proved to Experian so there is no way I was late. The support collection department said that you only go to collections if you owe XXXX which Experian has it listed that I owed XXXX and was in collections making it even more obvious that this was an error. The people at the XXXX XXXX XXXX  said they advised Experian of the status of my account as not being in collection nor ever was it. Experian sided against me in the dispute even though I submitted sufficient evidence as well as them being told by the XXXX XXXX XXXX XXXX that I never had an issue. This in inexcusable behavior on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX # XXXX account number XXXX XXXX  # XXXX XXXX XXXXXXXX # XXXX 15 U.S.C 1681 section 602 A. states i have privacy rights.

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: Mortgage

I have had my mortgage with Ditech for many years, dating back to when they were Green Tree ( I believe that was their previous name ). I went through a divorce that was very difficult both emotionally and financially. The result was that I missed a few payments but was working with the team at Ditech to help me keep my home. At least that is what I thought. I worked with multiple representatives in the process and called frequently. I was asked to submit documentation that included, but not limited, to my divorce papers, my taxes, my employment, a letter of hardship, three months of bank statements, and the bills I inherited from my divorce ( alimony/child support/house valuation/etc. ). I faxed over a package and called them back to ensure they had received it and they confirmed they had but wanted some documents uploaded onto their website which I complied. I informed Dirtech that I could begin payments again on XXXX the XXXX and they assured me that they would work with me to keep my home and that there were multiple options they would work with me on. I called, as promised, on XXXX XXXX to begin making my mortgage payments again ( while the review I assumed was still going on ) and I was informed that Ditech no longer had my loan and that they had turned it over to a firm called XXXX. They said they had mailed me a letter but they did not and my history proves that every time I received something from them I called right away. I kept an open line of communication but I feel like Ditech lied and deceived me the whole time. This has caused me tremendous grief and disappointment. I was never informed of Ditech 's disposition of my request for relief and just the opposite, was continually told by multiple representatives XXXX XXXX, XXXX, XXXX, and XXXX to name a few ) that they would sincerely help. I am in a position now where I can begin payments but the new company is still counting my last payment for XXXX versus working with me on a new plan.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Notice of Unauthorized Credit Reporting and Violation of Missouri FCRA Identity Theft Fraud Laws Immediate Resolution Required Dear Hunter Warfield, I am writing to bring to your attention a serious matter concerning the unauthorized reporting of information to my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) as specified in Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state laws, including Sections [ Relevant Missouri FCRA Sections ]. 

It has come to my attention that Hunter Warfield has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA mandates, under Section 1681b ( a ) ( 2 ), that consumer consent is an absolute requirement for such reporting activities, and Missouri state laws, specifically [ Relevant Missouri FCRA Sections ], also emphasize the importance of consumer consent for credit reporting. 

This violation not only disregards federal and state laws but also raises concerns under Missouri FCRA identity theft fraud laws. Unauthorized access and misuse of personal information, as outlined in Missouri FCRA, are subject to severe penalties. 

I want to make it unequivocally clear that I have not provided consent for Hunter Warfield to report any information to my credit report. This lack of explicit permission constitutes a serious breach of my rights, potentially causing harm to my creditworthiness and demonstrating a clear disregard for federal and state regulations.

I demand, with urgency, that Hunter Warfield immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri FCRA Sections. Failure to comply within the stipulated 30-day timeframe will be considered as willful noncompliance, subject to penalties under applicable laws, including Missouri FCRA identity theft fraud laws. 

It is crucial to understand that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Missouri state law, and identity theft fraud laws. This is not a negotiation ; it is a demand for immediate compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and damaging credit reporting. 

I expect your prompt attention to this matter and insist that Hunter Warfield rectifies these violations promptly, demonstrating full respect for my rights under federal and Missouri state laws. 

Done in good faith.
Product: Debt collection

I am filing this complaint against American Express for violating my rights under federal law while attempting to collect a debt they allege that I owe. Their actions included sending unsolicited t ext messages, using harassing language, and making false threats, which ultimately pressured me into settling out of fear. 

I began receiving aggressive phone calls from American Express. After I repeatedly hung up on their calls due to their hostile tone, they sent me a text message accusing me of " willful default '' and claiming I was " refusing to pay. '' The text also mentioned a " garnishment notice, '' even though no court judgment had been entered against me at that time. 

I never gave consent to receive text messages from this company, which violates the Telephone Consumer Protection Act ( TCPA ). Additionally, their threatening language about garnishment was misleading and violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Feeling intimidated by their threats, I settled this account for less than the full balance because I feared losing my limited savings. As someone who is XXXX and living on a fixed income, this experience caused me significant stress and financial hardship. 

Violations of Law : XXXX. TCPA Violation : - The debt collector sent unsolicited text messages without my consent and failed to include an opt-out option, as required by law. 
- Used multiple different numbers to bypass me blocking them XXXX. FDCPA Violation : - The text accused me of " willful default '' and threatened garnishment without legal grounds. This was misleading and intended to intimidate me into paying. 
- They continued contacting me after I hung up on their calls, which constitutes harassment under FDCPA rules I have attached : XXXX. Screenshots of the text messages showing threatening language and lack of consent. 
XXXX. Documentation showing that I settled this account under pressure from their threats.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/2022 XXXX has committed Fraud Pursuant 15 USC 1681B, I never gave XXXX permissible purpose or any written letters or instructions to report any information on my Consumer Report..
Product: Debt collection

I advertises for credit builder, but I asked to cancel it and they didnt
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, Alleging systematic issues such as failing to forward consumer-provided Evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experience has neither corrected or removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian 's inaction violates Federal law and rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, ACCT # XXXX, is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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.

This collection, by law, MUST be DELETED from my credit report immediately.
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 XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Account 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 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. 16815-2 ( 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, credit repair services, 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 XXXXXXXX Account number:XXXX Account name : XXXX XXXX  Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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.