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

This is a complaint against XXXX, Jefferson Capital, and XXXX regarding a collections on file from XXXX XXXX. 

This collection originated from XXXX for an early termination fee ( ETF ). I have not been a customer of XXXX since XXXX. 

When making plans to cancel my service with XXXX, I spoke to the customer service department to get the correct date for cancellation. I kept my service for another six months in order to cross the contract 's line before terminating as instructed. 

I was never invoiced for this ETF from XXXX nor did I receive any calls regarding this fraudulent charge. 

In XXXX, XXXX sold the bogus debt to Jefferson Capital, INC.

Jefferson Capital has contacted me by phone multiple times, however I told them to send me the details in the mail so I had them in writing before determining what this collection was for. They never complied with my multiple requests over FOUR YEARS. 

Because of this failure of being upfront and credible, I've stopped answering any of their harassing phone calls and refuse to deal with them anymore. 

I've disputed this twice with XXXX and they say they have done a satisfactory investigation into the matter. It is clear they have not because XXXX dropped this exact collections filing IMMEDIATELY upon receiving my dispute. 

I attached XXXX XXXX documents to my dispute filing with XXXX to serve as proof and make their job easier. XXXX ignored said attachments. 

This is a ridiculous abuse of power over a small consumer 's credit during a time many of us need the protections of credit the most.
Product: Credit reporting or other personal consumer reports

I called the company several times and reminded them of the conversation I had previously with one of there representatives. 

I was told the, at that time the loan was fairly new and that something could be arranged. We discussed the loan being renewed or the two late payments at that tome be placed on the back end of the contract. 

Whats so disappointed and makes no sense at all is that I am willing to honor my contract but they refuse to renew the contract or place the, now very delinquent amount on the back end of said contract and make it easy on everyone. 

Instead they decided to ruin my credit score which was, at that time, which ranged across the three credit agencies from the high XXXX to low XXXX. 

They deliberately keep reporting me late to ruin me.
Product: Debt collection

I asked this company to send me some information about the bills that is owed and they did n't. They threatened to come to my place of work and told me I better take action because they were going to sue me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

XXXX refuses to honor the bonus offer as documented in my credit card account approval letter after I acted in good faith and met the specified requirements. 

XX/XX/XXXX - I applied for a XXXX  XXXX XXXX and received an account approval letter dated XX/XX/XXXX. The letter specified my credit limit, PIN number, and most importantly offered me XXXX AAdvantage bonus miles. The approval letter stated, " Earn XXXX XXXX XXXX AAdvantage bonus miles after spending {$3000.00} in purchases within the first 3 months of account opening. '' XX/XX/XXXX - I surpassed the {$3000.00} spending requirement. 

XX/XX/XXXX - I spoke with a customer service representative and was subsequently forwarded to a supervisor named XXXX XXXX XXXX XXXX. She told me that the bonus miles offer was active on my account at the time I received my letter in XX/XX/XXXX but it was removed from my account in XX/XX/XXXX. She stated that she does not have the ability to add it back to my account. 

XXXX claimed that it was removed from my account in XXXX because I had previously had this credit card with Citi in XXXX ( closed XX/XX/XXXX ). I told her I have this offer in writing in my account approval letter and there is no mention of any such condition. She countered that the restriction was in the application. This is false. The application stated that I must not have opened/closed an account within 24 months to receive the bonus offer. Furthermore, the account approval letter is documented proof that I met the requirements for the offer. 

XXXX acknowledged that she has received similar complaints to mine, but there is nothing she can do. Accordingly, I believe this is a wide spread deceptive practice used to increase revenues on new credit card accounts. I hope a regulatory investigation is performed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account actually needs to be coded as an M1. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

Despite my prior XXXX attempts to resolve these issues, the following problems remain unaddressed. These inaccuracies are not only impacting my creditworthiness but also causing significant stress and financial inconvenience. It is imperative that these errors are corrected immediately. To support my claim, I have attached all relevant documentation once again, including proof of the correct opening dates and any additional information pertinent to the erroneous charge-off accounts. 

Given the urgency and seriousness of this matter, I request the following actions be taken without further delay : Please help me conduct a thorough review and correct the opening dates of my accounts to reflect the accurate information and Investigate and remove the incorrect charge-off accounts from my credit file. Also please confirm in writing that the necessary corrections have been made to my credit file. The prolonged delay in addressing these matters is unacceptable. I expect prompt updates on the progress and actions being taken until this issue is fully resolved. With this, I am asking for your assistance to correct the late open accounts and remove the charge off : XXXX XXXX XXXX  XXXX Balance : {$35000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be XXXX % accurate or the information must be updated. 

XXXX XXXX XXXX Balance : {$600.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX Balance : {$670.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX Balance : {$16000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance : {$7900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit card or prepaid card

I have a business credit card from XXXX XXXX. I also have a checking account with XXXX XXXX. Both are linked together and under one name. My credit card I obtained with promotion of 0 % until XX/XX/XXXX. In XX/XX/XXXX I moved. I went to the local XXXX XXXX in XXXX, CA ( same branch i opened checking account ) and changed my address to my new address. As XX/XX/XXXX rolled around and I didnt receive my credit card statement like i typically do, i called XXXX credit card and asked where my statement was. Apparently, they never changed the address. I changed it again by phone and paid my monthly bill. I was charged a late fee which was later removed. 

In XX/XX/XXXX, my XXXX XXXX account checking account was fraudulently attacked and all my money was stolen from my account. All my checks bounced. I reported the fraud and XXXX XXXX did investigation and reimbursed the money in my account. One of the checks that bounced was for my XXXX credit card. I called them immediately and told them what happened. I also made the payment once my money was returned to my account. I had no money to pay any of my bills. 

My statement for XXXX credit card came for XX/XX/XXXX with 30 % interest! I called them and they said that due to my 2 late payments they removed me from the promotion. I explained to them what happened and that the late payments were not my fault and technically shouldnt be considered late payments but they said there is nothing they can do! 

I feel like these credit cards take advantage of people, especially seniors like myself. They dont understand that not everyone is online savvy. Im old school. I went to my local bank to change address, I thought that was enough. I also was a victim of theft and fraud and they are punishing me with 30 % interest! I cant afford to make payments like that. I was planning to payoff the amount with 0 % until XX/XX/XXXX and not have any interest rate.
Product: Mortgage

Little over 2 years ago I applied and received a loan mod for my FHA loan. I completed the trial period and was able to pay the loan on time. In the meantime I was no longer able to work due to a XXXX. I applied for XXXX, the waiting period for a court date was 2 years in itself. In the meantime my house hold income was also reduced because of a separation with my wife ( which is still the case ) reduced my monthly income, disallowing me to make partial payments to catch up my arrears. While I was waiting for this I was borrowing money from my parents to pay the mortgage in the interim. I did finally receive my XXXX last XXXX, 2015. I had to use my back pay to pay back my parents the money I owed them and still needed to pay more back to them. I ended up getting behind once again after 5 months or so as I was still paying everyone back. Once I started to get behind ( XXXX payments ) I immediately applied for a loan mod from BOA. During the pre-screening of qualifications they asked a series of questions. I also made clear to them that I did not know if because I had a mod. less than 2 years prior would I still qualify, based on that soley they said yes I would. 
A year went by they continually added hoops to jump through and in fact put hoops I had already jumped through in front of me again. At the end they said I did not qualify for a mod because it had been less than 2 years! Now I am at a point which I have to file for Chapter XXXX to catch the arrears up on my house. If they had told me from the beginning I did not qualify based on the initial information I could have went forward with the chapter XXXX and made it much more affordable to pay this back.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME AND THE CREDIT BUREAUS CONTINUE TO REPORT AND WONT BLOCK THEM AS REQUESTED. 

ACCOUNTS THAT WERE OPENED XXXX   XXXX  {$12000.00} XXXX XXXX XXXX {$2500.00} XXXX RETAIL {$2500.00} XXXX XXXX {$8300.00} XXXX/XXXX   {$20000.00} INQUIRIES XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CREDIT CARD I HAVE REPORTED IDENTITY THEFT TO POLICE, I HAVE CONTACTED CREDIT BUREAUS AND PLACED SECURITY FREEZE ON ACCOUNT
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 XXXX XXXX Account # XXXX Account name : XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX Acct. XXXX, XXXX XXXX XXXX Acct . XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXX. Acct # XXXX, XXXX XXXX  Acct, XXXX, XXXX XXXX XXXX XXXX Acct. XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX  XXXX Bankruptcy Discharge Acct # 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: Debt collection

The debt is owed by the VA. 
I have contacted the company twice about this and both times they agreed. 

Several months later I received a call trying to collect this debt. 

3 days later I received a letter. I called the number on the letter and I was give advice on how to proceed. The gentlemen told me " sir if you don't owe this money, you wouldn't be getting this letter. Followed by a chastising. 

I have hit a brick wall!
Product: Debt collection

NOTICE : This is a Debt Dispute and Notice of Right and Intent to Sue. Notice to Principle and Notice to Agent, notice to one is notice to all. CEASE ALL ACTION INVOLVING THE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  : AmeriHome Mortgage Company , LLC has violated the XXXX  Rights and Breeched the Law. AmeriHome Mortgage Company , LLC and it's associates and associations are hereby ordered and demanded to cease and desist any and all illegal actions and activity, threats and cohercion involving the affiant/s or affiant/s property. AmeriHome Mortgage Company , LLC having failed to show standing and has agreed to hold affiant/s harmless involving an alleged debt where the signatures are fraudulent on it's face, missing note, contracts lacking full disclosure, missing parties signatures and unconscionable contracting. Any further attempts against the XXXX XXXX XXXX XXXX  will be considered as evidence of crime. All contact either through email, fax, text messaging, XXXX XXXX shall constitute a breech of law within those areas of law that are Federally Protected. Unless answering in response to the XXXX  complaint with documentation signature under law, there is to be No contact through any medium nor by third party in reference to XXXX XXXX XXXX XXXX XXXX XXXX -Affiant
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about correcting my credit score because of an error made by the bank providing service in delivering monthly statements which caused a delinquency. I disputed the facts and the bank corrected the mistake, but continued to tell me that my score could not be reinstated. It dropped from excellent to fair.

The service bureau reported its conclusion and corrected the report, but the score continues to be fair. I'm dissatified with the entire process and are now suffering a lower rating to the point that today XX/XX/2022 I was denied a credit card application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this car dealer to pull my credit for credit purposes. I specifically went in to purchase a vehicle cash basis and salesperson knew this fact. He had no reason or authority to pull my credit report. He advised me he needed my social security number for purposes of  DMV  title and transfers documentation but should have never pulled my credit.      XXXX  OF  XXXX  via  XXXX  OF  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Requested On :  XXXX / XXXX / 2016  Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION
Product: Mortgage

Spoke to XXXX this morning and he did state that he did not want to debate with me on the issue. Called back and got another representative who has submitted a dispute and I uploaded my concern to the portal as well. Reached out to HUD and they stated the lender is responsible to retain the correct and adequate information and that CFPB would oversee any issues. Below is my concern. 

To whom it may concern~ I contacted Rushmore today in regards to two items. As it relates to the first item, the customer service representative has requested an investigation and I am following up in writing to also recap the issue.

1. Loan # XXXX was closed on XX/XX/XXXX and funded on XX/XX/XXXX. Your system reflected as closed and payment received on XX/XX/XXXX in your system. On XXXX XXXX, XXXX and XXXX XXXX, XXXX there were payments made reflected as a line item for FHA MIP monthly premium payments in the amount of {$220.00}. 
The new loan in which you were servicing loan # XXXX, since this was a FHA streamline refinance, had the first payment due XXXX, XXXX. On XXXX XXXX, XXXX there is a line item that also reflects a FHA MIP monthly premium payment in the amount of {$220.00}.

I would like for this to be addressed and the fund issued out immediately to me. I contacted HUD resource in regards to this matter and they stated as a lender you are to maintain the adequate records as it relates to these payments.

2. Loan number XXXX was paid in full XX/XX/XXXX, reflecting an escrow balance of {$270.00}. Please ensure that funds are returned to me or documentation as to what these funds were applied to.
Product: Mortgage

Applied for a home loan to refinance our home with RMK Financial Corporation or ( Majestic Home Loans ) we received our Closing Disclosure on XXXX/XXXX/2016 with a 4.0 % interest rate. Then 4 days later on XXXX/XXXX/2016 I get a call from my Broker saying they now want to increase our rate to 7.25 % based on late payment history. This is 4 days after our " CD '' Closing Disclosure had been signed and dated ( XXXX/XXXX/2016 ) by my wife and I agreeing to the terms at 4 % for a 30 Year Fixed. Also, according to the Closing Disclosure we were supposed to Close on XXXX/XXXX/2016 and then have our Dispursement and Sign-Offs on XXXX/XXXX/2016. Well it 's now XXXX/XXXX/2016 and nothing has happened. We have not received any new terms in writing from RMK Financial Corp. / Majestic Home Loans in regards to their proposed interest rate hike. I 've tried to call the Lender, Majestic Home Loans direct, but have had to leave messages for the Accounts Manager two days in a row. And still have not received a call back. So as of right now my wife and I still assume we have a loan at the 4 % interest rate that we signed, dated and agreed to on XXXX/XXXX/2016. 

And according to other lenders I 've called for advice and friends in real estate that I know, they all say that Majestic Homes Loans is doing some illegal practices and trying to bully us into a high rate loan. Our LTV " Loan to Value '' of our homes is 30 %. Which means we have over 70 % of equity in our home. Should we walk away???????? Please Help!
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with TRANSUNION, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

I kindly request that you investigate this matter and update my credit report accordingly. Please remove all incorrect entries regarding my name and address. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and I trust that you will address this matter promptly. 

Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX, TX, XXXX EMPLOYER - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my background check that was conducted by First Advantage. When reviewing the document I noticed that my XXXX XXXX information was flagged. The information that is listed is incorrect, or not up to date. I have a class D Non Commercial Driver 's License that was issued on XX/XX/2021. In the record reported by First Advantage it is listing that I hold a permit. That is incorrect, and the error could possibly be used against me, or jeopardize me from obtaining employment.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts that I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my Information being exposed, I have submitted a FTC complaint reporting the information that I am not familiar with. Please find attached a copy of my drivers license, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and validation of debt letter.
Product: Credit card or prepaid card

Called Bank of America on XX/XX/21 to inquire what types of hardship programs they available during covid 19 hardships. The only program they have is to defer ur payment for one month. They are not willing to work on lowering the interest rate or the minimum payment amount due and they dont have a 6 or 12 month program for hardship they have nothing except the one month payment deferral. Which makes it difficult to pay ur bill when u are in unemployed and still have not received any payments from the unemployment office because its Pa unemployment
Product: Credit reporting or other personal consumer reports

Please remove these inquires from my credit report. There are four inquires that needs to be removed. 

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX