23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to bring to your attention a concerning matter regarding a collection account held by Jefferson Capital, with the original creditor listed as XXXX. After conducting a thorough investigation, I am unable to find any record of an account in my name with the aforementioned entities. 

Upon reviewing my credit report, I was surprised to discover an entry from Jefferson Capital, claiming an outstanding debt related to a purported transaction with XXXX. Despite my best efforts, I have been unable to locate any information or documentation pertaining to this alleged account. I have contacted both Jefferson Capital and XXXX, and they have been unable to provide any substantive details or evidence of this debt. 

In light of this, I am formally disputing the validity of this collection account. I believe that there may be an error or misunderstanding in the reporting process, as I have no recollection of any financial transaction with XXXX that would lead to this debt. Additionally, both Jefferson Capital and XXXX have been unable to furnish any supporting documentation or verifiable information regarding this account. 

I kindly request your assistance in investigating this matter further and ensuring that my credit report accurately reflects my financial history. I believe that this discrepancy may be negatively impacting my creditworthiness, and I am eager to resolve it as soon as possible. 

Please let me know if there are any additional steps or information required from my end to facilitate this investigation. I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your time and assistance.
Product: Mortgage

Upon my first interaction with My Mortgage IncXXXX on XX/XX/2020 I was in contact with XXXX XXXX XXXX Loan Officer NMLS ID # XXXX. He explicitly explained the loan process to me upon our first conversation. Unfortunately, he left out a few key details that ultimately left my experience to crumble into a disaster. XXXX failed to explain the application process time line. As a loan officer, all information should be readily available to the consumer. I applied for a mortgage refinance, and XXXX ran my credit to check if I would get approved. After running my credit, he gave me the good news that I was approved and that he needed {$450.00} for an appraisal, as the process continued, XXXX kept asking more documents almost on a weekly manner, I have even had to submit current statements two months later after the process started. I was advised by XXXX, that the process would not take more than 60 days, but after two months, his excuse was that there were a lot of people applying for mortgage, and it was delaying the process. Three months into the process, XXXX kept asking for documentation, at that point I realized that this process was not going anywhere. I want to know why this company ( My Mortgage Inc. ) would allow such a protocol to delay the process for such a long time, the fact that he kept asking for more and more documents, after he assured me that the application was already approved, it showed me that it was not ready after three months. At that point XX/XX/2020, I have decided to stop any business with My Mortgage Inc. and I have requested the {$450.00} I paid to be reimbursed, since the promised serviced was not completed, I have email XXXX requesting my reimbursement on XX/XX/2020, as of today I have not yet received an answer.
Product: Credit reporting or other personal consumer reports

I was giving notice that my credit profile has been breached. I requested a copy of my credit report from XXXX, XXXX, and Experian were I found serval errors and unauthorized accounts on my file. I have reached out multiply times to each establishment but they keep saying the information is verified with no other information given. Please help me with these following accounts : XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$930.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$530.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$660.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX  {$0.00} XX/XX/XXXX
Product: Vehicle loan or lease

I went to XXXX to get a financing through them and thought I was approved after they forced me into agreeing to a down payment of {$3500.00}, which i didn't know was illegal at the time, then they charged me XXXX above market value for the car in hidden fees and didn't provide insurance. But then all of my payments were through XXXX bank online app which I didn't know wasn't XXXX until they started harassing me, putting derogatory marks on my consumer report without my permission and threatening repossession before the " payment was even due '' even though it was financed with a promissory note that I endorsed, and XXXX bank which is only on the XXXX XXXX, while I'm on XXXX XXXX, won't help me at all unless I go into a branch XXXX hours away from my home but they somehow acquired the XXXX and are using it as blackmail to extort ... on top of that, because all the time I've spent trying to cure the losses I've incurred, I havent been able to afford basic necessities like a phone plan, can't afford routine maintenance on the vehicle in mention and my consumer credit report has taken a massive hit because of XXXX actions which has then made every other lender ive contacted for financing deny me my credit... i was at XXXX for maybe XXXX hours before the deal was done and i left with the vehicle and the original documents I have from that interaction dont mention XXXX or any third party at all, if I would've known that it wasn't through XXXX XXXX would've been skeptical let alone its not through XXXX and its XXXX hours east, 2 times zones away ....
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$7900.00} XXXX XXXX XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00}
Product: Checking or savings account

I contacted Chase Bank when I noticed unauthorized charges to my debit card from XXXX. Chase said that they would do an investigation and in the meantime would credit my account. They also said that they could not credit my account for anything beyond 60 days, so it would only be the time period from XXXX to XXXX. Chase Bank only credited my account {$130.00} which was not the amount that I called about in XXXX. The amount that I called about in XXXX totaled {$610.00}. I called back again on XX/XX/XXXX and Chase Bank said that they were still doing an investigation and that I should see my money return to account on XX/XX/XXXX. No money was returned on XX/XX/XXXX so I called Chase Bank back on XX/XX/XXXX. Chase Bank then stated that they were not going to refund any money because they refunded money from XXXX. I kept telling them that I had unauthorized charges in XXXX and reported this information to them right away. Chase Bank also emailed me letters saying that I agreed with their actions, which is false. Chase kept arguing and deflecting and then started repeatedly telling me to call the merchant, even though I had purchased nothing from XXXX. I finally gave up and called XXXX and was on the phone with them for about 3 hours. XXXX said that it appeared that someone used my XXXX ID to make purchases. I have not purchased any XXXX products in about 3 years, which XXXX did confirm. XXXX kept repeatedly asking me to provide the full debit card from number from Chase Bank, which I no longer had. I told them that I had a new card from Chase and that I no longer had the old card. XXXX continued to keep asking me for the old card number even though I kept telling them over and over again. Then XXXX said that they could not refund any money unless I gave them my expired full debit card number. Then XXXX kept telling me to contact my financial institution over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Date : XX/XX/XXXX Report # XXXX Experian has on my credit report XXXX XXXX as {$770.00} showing as written off. 

there has not been nothing by Experian as proof of this amount from XXXX XXXX. 

I have provided from XXXX a letter from XXXX XXXX in which does not state no money owed. 

I sold the car to a buyer in which is recorded with Califorina DMV in which if there was a balance stated by Experian why did I have my title. 

I have provided proof from XXXX XXXX letter Dated XX/XX/XXXX I need proof other wise by Experian something showing from XXXX XXXX this amount of {$770.00}
Product: Credit card or prepaid card

Kohl 's has not provided a signed credit card agreement. Where is the SIGNED credit card agreement. Stop sending documents that have not requested. 
Why is Kohl 's not noting on the account that is in a billing dispute and the company still continues to charge interest on an UNVERIFIED account and report it erroneously to the credit bureau. 
Kohls Bill Disputes : I DO NOT owe the balance of {$750.00} as of XX/XX/XXXX or any other updated balance that Kohls currently alleges I owe for Account Number : XXXX due to the aforementioned and the following : KOHL 's does not mostly have US phone representativesanswering their phone calls. At least, that has not been my experience. I provided a phone call log with over 12 reps ( of the ones that are logged ) and only two of them were from the US and I only reached them because I had to requestthem after being transferred around, stalled and hung up on from outsourcedcustomer reps. 
Capital One N.A. ( Kohl 's ) has been reported to have moved most of their call center rep jobs overseas and cut American worker jobs. In the wake, I don't understandmost of thecustomerreps I reach and have not receivedadequate servicing in trying to resolve the alleged balance that Kohl 's Capital One N.A. has attempted to attribute to me. 

Kohl 's HAS STILL NOT PROVIDED a SIGNED contract that has been requested several times on the several phone calls listed on the XXXX previous complaint I submitted to CFPB. Kohl 's has only provided a card agreement which is NOT a signed contract. 
KOHL 's continues to falsely report unverified non contractual balances to the credit bureau whenit still has not provided a signed contract. 


KOHL 's, Kohl 's Inc. ( associated with Capital One N.A. ) needs to provide an authorized SIGNED contract. They STILL have not provided one as of XX/XX/XXXX and XX/XX/XXXX despite several requests.
Product: Debt collection

My mother passed away in XXXX of XXXX. The debt collector is for XXXX XXXX XXXX XXXX XXXX in XXXX, my mother moved to XXXX state in XXXX. XXXX XXXX XXXX just sent me a check in my mothers name for a overpayment of {$6.00} which I dealt with in XX/XX/XXXX. The company sent my mother a letter, the company is called DCM services , LLC. No where on this letter does it mention that they are a debt collector or what the debt is for. The company is showing the last payment made on this account is for the same {$6.00} XXXX XXXX XXXX sent as a refund for a overpayment, and this company is asking me to pay this debt on my mothers behalf. DCM services , LLC address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX. There phone number is XXXX. I spoke to XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX, and Experian hurt my business by dropping my credit score by 80 points by a single " collections debt by XXXX XXXX unpaid final bill that was about THREE years old very old old bill just sent to collections. 

Dropping me 80 point, is totally TOTALLY UNFAIR. 

I had a XXXX credit score i worked hard on for over a year paying down my debt and getting my credit score up. Experian credit bureau on one Collection debt three yeaas old and now reported dropped me 80 points to XXXX I am demmaning it to go back where it was, i paid that collection right away and it still shows with a XXXX.
Product: Debt collection

I recieved a letter in the mail from Credit Counsel Inc. debt collector. When i asked for verification they sent a form which also had my diagnosis on it as well which I know is a HIPPA violation and they were not suppose to have that information. The information was sent to the from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX sc.
Product: Checking or savings account

Hi Consumer financial Protection Bureau, I want to complain and get information about how to proceed in order to sue or get an economical reimbursement from TD Bank, i opened an account in New York around 6 months ago and since the beginning since it is a personal account i opened as a tourist to use XXXX and get better prices to purchase flights and stuff i was suposse to get proper support in case my account has issues. 

like a month ago i place a request for a strange charge in my account, my account was locked and was hard to use my debit card, one agent reached me and i ended up having everything resolved with her after a bunch of calls with ither agents, the main request made was reviewed afterward and also delayed for about 2 or 3 weeks and the company closed my debit card even though i stated over call more than once that i am not in the country so i can not go to the bank phisically to get a new debit card or things like that. 

Even thought i clarified repetedly that i was not able to go ( and it should be listed in the account ) and also i asked to be reached by mail or to the uruguayan phone listed in the account, the agent who handled this case after it was resolved and also delayed took actions without my consent, in consecuence of this i have NO WAY to use my money and i need to pay things and also flight to XXXX and also to XXXX, TD Bank and their customer service in general jeopardize my finances and this is costing me a lot of stress. 

The customer service company policy states that they review and contact back after 24 hours and they answer this weeks later and took further actions without reaching me, i find this odd and incredibky disrespectful as an international user of the bank. 

This is a nightmare, hope you can help me. 

Thanks in advance!
Product: Credit card

To : XXXX, XXXX, XXXX Credit Report Companies I went to my mailbox on XXXX, I saw a ligation from XXXX XXXX XXXX XXXX Stating i was being sued for XXXX by Citi-Bank which I have Several debit card accounts.. I don't recall ever having a credit card, I went to the court to investigate, Only to find out I was being sued. I wasn't informed prior as a valued customer who no history delayed payment, see credit report history. Also, I tried reaching out Citi 's legal dept, without sucessI never received a call. I tried to reach Citibank with no success. Also the Company they signed the Dept to without my awareness. I can't recall signing a contract.Also I did not give CitiBank the authority to give my inforamtion CiTi Bank XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Listed a/c # XXXX XXXX XXXX ( XX/XX/XXXX ) ( multiple card Numbers ) XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX NY XXXX XXXX all the banks in the courtroom. 
According to 15USC-1692C The law clearly states if the consumer notifies the collector he/she /him/they refues to pay .The collector should cease all communication with the consumer
Product: Debt collection

This company has been emailing me about my deseased mother 's phone bill, which I'm not responsible for. I have proof they have been sending daily emails and now they're sending texts. According to the email they don't own the bill as it is too old to be on my credit and I had already disputed this with a prior company and it was removed XXXX years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a 3rd party. Please review the attached documents. These accounts are in violations of the statute of limitations and missing information. These accounts are reporting several violations. Send me every document you have pertaining to the accounts attached.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly stated that I have been a victim of fraud. I sent copies of my ID info ( ss #, Birthday, and Drivers License, etc. ) requested that the credit reporting agency remove the various unauthorized inquiries and even a couple of accounts that I did not secure from my report. They have simply asked that I contact the original inquirer and ask them to remove. A a citizen I have the right to have only accurate credit reporting.
XXXX XXXX XXXX XXXX - XXXX ( continued to report this account as mine when it is not. I contacted Better Business and they reached out to XXXX and XXXX XXXX contacted credit agency to delete, but the account contiues to show up on my reports ) XXXX XXXX XXXX - XXXX ; XXXX ; XXXX ( These accounts are all inaccurate and I sent copies of my ID info to Credit Agency to delete these three account. three weeks later they just tell me that they have all been verified. It 's impossible to verify false accounts. I do not own a XXXX XXXX XXXX nor have had THREE XXXX in the past year. The credit agencies are not giving my accounts the attention needed since I have filed ID theft claims.
<P/>
Inquiries : XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ; XX/XX/XXXX- XXXX  XXXX XXXX XXXX ; XX/XX/XXXX- XXXX XXXX ; XX/XX/XXXX- XXXX  ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX-XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX-XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX  ;XX/XX/XXXX XXXX ;XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX & XX/XX/XXXX; XXXX - XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX -XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ( this bank called me and I told them I did not authorize and they still have this inquiry on my credit ) ; XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Bank account or service

USAA FEDERAL SAVINGS BANK. NOW I spoke to them for the very first time back in XX/XX/XXXX regarding several accounts that were open in my name and my own children 's name that I know I did n't authorize to open. They stated back then that it is me I gave the authorization to open the accounts and that all the accounts were negative and I would have to pay the money in order to stay out of the collections department. I told them that this id ID fraud and I did n't authorize you to open these accounts and especially the ones for my children this is ridiculous. They made me pay and later I found out that my parents were the ones that opened the account but I did n't know. I called them back and they said the accounts were closed due to fraud and you can no longer have an account with us. Now on XX/XX/XXXX I called Early Warning Service to get my yearly consumer report and they stated that USAA Bank reported me as suspected fraud on Early Warning Systems and I am on the report for 7 years. What in the XXXX is going on now. How and why was I reported to this service and why.
Product: Debt collection

Receivables performance is posting a collection account on my credit for {$87.00} - the original creditor was XXXX - the issue is that I moved, and XXXX installed services at my new residence, but was unable to provide continuous services at that address, the service was spotty and intermittent at best - I called them to cancel services, because they were not able to hold up their end of our contract, and they terminated service, they came out and picked up the receiver boxes etc ... I am not liable for this XXXX, as I was not the one who initiated the termination of contract, the company XXXX was unable to provide services at my residence, therefore they were unable to hold up their end of our contract.
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.

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 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 ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
I have not given written consent to any agency to report on my customer report furthermore when an investigation needs to be done and the conclusion of the investigation should be provided in writing its never provided yet the companys state that everything has been validated when in fact thats not true. The following inquiries below need to be deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX