23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding erroneous information being reported to my credit profile by Jefferson Capital Systems , LLC. I believe that their actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX, and I kindly request your assistance in resolving this issue. 

I have recently discovered that Jefferson Capital Systems , LLC, has reported inaccurate information regarding a debt on my credit report. According to the Fair Debt Collection Practices Act, debt collectors are required to provide consumers with validation of debts upon request. However, despite my numerous attempts to obtain validation of the debt in question, Jefferson Capital Systems , LLC, has failed to provide any documentation supporting their claim. 

Furthermore, the information being reported by Jefferson Capital Systems , LLC, is not only inaccurate but also damaging to my creditworthiness and financial standing. As a responsible consumer, I have always taken great care to manage my finances diligently and ensure that my credit report accurately reflects my financial history. However, the unjust and unsubstantiated reporting by Jefferson Capital Systems , LLC, has undermined my efforts and unfairly tarnished my credit profile. 

I have made multiple efforts to contact Jefferson Capital Systems , LLC, to request validation of the debt and to dispute the inaccurate information being reported to the credit bureaus. Unfortunately, my attempts to resolve this matter directly with the company have been met with indifference and disregard for my rights as a consumer. 

Therefore, I am seeking your intervention to address this issue and ensure that Jefferson Capital Systems , LLC, complies with the provisions outlined in the Fair Debt Collection Practices Act. I kindly request that you investigate the actions of Jefferson Capital Systems , LLC, and take appropriate measures to rectify the inaccurate reporting on my credit profile. 

Additionally, I urge you to enforce the provisions of the Fair Debt Collection Practices Act to protect consumers like myself from unjust and predatory practices by debt collectors. It is imperative that consumers are afforded their rights to fair treatment and accurate reporting under the law. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

I submitted a dispute with Transunion a couple months ago and they have not given me the investigation results or any correspondence in response to my dispute. The dispute was about a XXXX XXXX account that I believe was reporting incorrectly. I also believe that the information being reported is unverifiable as I can not verify the balance. I requested that during their investigation that they request the furnisher proof of the reported balance and that it should be sent to me in order for me to verify this information. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XX/XX/XXXX I sent the company a debt validation letter. They instructed the credit reporting agency to have me contact them. When I did the refused to reply. They continued to violate my consumer rights, pursuant to fact, 15 us code 1692b, 15 us code 1692g, 15 us code 1692c, 15 us code 1692d ( 1 ), ( 2 ), ( 3 ), ( 4 ), and others. I contacted them again in XX/XX/XXXX, again no response.
Product: Debt collection

Chase XXXX is fraudulently reporting on my credit reports in the amount of {$750.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent a letter and legal documents to Navient regarding an old school loan from 2007 that I was not aware of and questioned what they did for fact checking upon applications with so - called co-signers. My credit report has reflected for over 10 years a charge off that has lead to many other denials of credit over the years for a student loan application I never agreed to
Product: Vehicle loan or lease

As I have reviewed my credit reports for my auto loan with Flagship credit acceptance and all three bureaus there are many inaccuracies on my credit report from my auto account. I had XXXX last year and lost my job, which caused me to have to seek the need to get payment deferral, so that my payments would not go into default. I received the payment extensions but they are not reflected on my credit report as paid for those months that were extended where no payment was needed for that said month and deferred to end of contract. In addition, there numerous calls from company that became very harassing and threatening. Also, According to Federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, this ACT is not being abided by reporting accurate data. From the dates of XXXX, XXXX, XXXX, and XXXX of XXXX  all dates are reporting inaccurately. 
Because these are in violations, the entire account needs to be deleted off of my reports immediately. Or I will be seeking monetary relief for the in accuracies.
Product: Debt collection

Fox Collection Center reported a collection to my credit report without any prior dunning letter. I sent the company a debt validation by certified mail on XX/XX/2017 and it was received in their office on XX/XX/2017. It is now over 30 days and I still have not received any documents or communication from them referencing that I owe this debt.
Product: Vehicle loan or lease

The Email I sent to their Senior Manger was " I am one of your clients that has just experienced a ruinous phone conversation this morning with one of your managers. Around XXXX hrs of today, I called to speak to XXXX of your staff members about my account in hopes of assistance with my payment thats scheduled for tomorrow. Ive been having complications with my payments for the past three months and was seeking further assistance when I spoke to your Manager XXXX. I was understanding, and respected him informing me of my account 's situation and was completely respectful the entire time ( recording would show ) However XXXX was not! 

XXXX was displaying an aggressive tone while talking to me making me feel attacked about a personal situation. His talking in a coercion manner and cutting me off was him displaying His professional representation of your company. He continuously tried to belittle me and talk to me as if I was ignorant or a juvenile was out of line. 

XXXX XXXX XXXX I hope you are willing to investigate this interaction me and XXXX had and there will be some consequences on his behavior. Please check the recording for yourself and notice how XXXX was talking to me and was representing your company at that time. '
Product: Mortgage

Bank of America told my wife and I that we had to be 90 days late on our mortgage in order to short sale our home. Therefore we, got behind on our mortgage and when the short sale was finally approved and we had an offer on the house it had been a year because Bank of America held it up so they could keep charging late fees and penalties. Now on top of having a short sale on my credit I have a years worth of late payments on my credit. Now I have poor credit and cant get another home loan right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiries : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX XXXX XXXX, {$3200.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a five disputes to the following credit companies. Experian, XXXX and XXXX, dated XX/XX/2021 and the companies are not complying to their own policies in a timely manner.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 XXXXXX/XX/XXXX 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 of 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

McDowell Associates requested my credit 8 times in 10 months. 4 times in one month alone. I have no idea who this is or why they are accessing my credit report
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 XXXX XXXX XXXX. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX SERVICES XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX BXXXX 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 XX/XX/XXXX 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 or other personal consumer reports

My credit report contains incorrect personal information, leading to the appearance of unknown and inaccurate accounts that do not belong to me. I have been a victim of identity theft, and my information was used fraudulently, resulting in accounts I was never associated with being added to my report. As advised by Experian, I filed a report with the FTC and submitted the necessary documentation, yet these fraudulent items remain. This ongoing issue is unacceptable and continues to impact me negatively.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XXXXXXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XXXXXX/XX/XXXX with a balance of {$18000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls is reporting my credit card as 30 days late and this account has never been late.
Product: Debt collection

I have requested Portfolio Recovery to verify a debt they have reported to my credit report and have not gotten any documentation or reponse
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, It is your obligation as a XXXX XXXX XXXX to adopt reasonable procedures for handling consumer credit including Personnel, Insurance, and other information in a FAIR and EQUITABLE manner, ensuring confidentiality and proper utilization of such information. 

The List of ( inquiries ) below has violated my federally protected consumer rights to privacy and confidentiality under 15 US Code 1681. 

- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX is that you are furnishing inaccurate information on my report and BY LAW, I have the right to a fair and accurate consumer report, and you are not doing it. So, you are in violation of my rights that the FCRA put in place for me, Which requires XXXX XXXX XXXX to follow reasonable procedures to assure MAXIMUM ACCURACY of information concerning the individual ( me ) to whom the report relates according to 15 U.S. Code 1681 ( e ) ( b ). It is your duty to maintain reasonable procedures designed to avoid violations and to limit the furnishing of consumer reports to the purposes listed in the law.

The term consumer report, DOES NOT INCLUDE, any report containing information solely as to transactions or experiences between the Consumer ( ME ) and the Person 's ( YOUR COMPANY ) making the report. 

According to 15 U.S. Code 1681s-2 ( a ) ( 1 ) section ( a ) and ( b ), 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2024 This isnt my account it has been reporting to this specific credit bureau and its not reporting on the others. I have a police report on file and it should have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALL IN XXXX THE FIRST WEEK STATING THAT I HAD INQUIRES NEED TOO BE REMOVED DUE TOO FRAUD IN 2015 NOTHING HAS BEEN DONE
Product: Checking or savings account

Hello I deposited cash money all {$100.00} bills XXXX bills in the atm CHASE branch machine today. It took my money but it print received to give them a call there was an error. When I called they check the system they said there arent any money showed. I said please check the Camera I even counted it before put it in, they said they cant. Im very headache right now. It is a lot of money and it seems they dont want to take any responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX disputed AAFCU and asked where information was verified. TransUnion responded and said information was updated but not changes made to information sent. I also asked for an Investigation and no investigation was never made. Sent supporting documents showing that Transunion and XXXX are showing different information on account and Transunion sent back account was updated. Again no changes made to errors seen on credit report. 
XX/XX/XXXX sent follow up information. received an automated response from computer. 

sent final letter on XX/XX/XXXX that i would be reporting TransUnion for not complying with FCRA and reporting inaccurate information. Also for not doing an investigation.
Product: Mortgage

I am a mortgage broker that used to work simultaneously with United Whole Mortgage ( UWM ) and XXXX XXXX  ( now XXXXt ). I would shop both lenders for my clients to get them the best possible rate and pricing. As you are aware, UWM came out with a Broker Addendum ultimatum that dictated that if we wanted to continue working with them, we had to stop doing business with XXXX. It further stated that if we signed the addendum and still sent loans to XXXX, we would be fined by them. I elected to not sign this addendum and UWM cut me and my clients off from doing business with them. 

I received a call from UWM 's Vice President of Sales, XXXX XXXX on XX/XX/2021 asking me to sign up with them again and he would give me his best top tier pricing that they offer to their largest broker companies, even though I am a small one man shop. But, I still had to sign the addendum agreeing not to do business with XXXX. I asked him point blank, " does UWM allow their largest broker clients or any broker to continue doing business with them and XXXX without signing the addendum or enforcing their fine on them or cutting them off from doing business with them if they did sign it and still used XXXX. He said " absolutely not, they apply their rule evenly to all brokers ''. I called up my former UWM rep, XXXX XXXX on the same day and he said the same thing that they are not allowing brokers to work with them and XXXX. 

Today, I had an interesting conversation with XXXX XXXX a retail Loan Officer with XXXX Lending out of XXXX, AZ. I called him from a solicitation I received in the mail regarding refinancing my house. We spoke at length ( 23 minutes ) about what his company could do for me on a loan and informed me that his company works with the top wholesale lenders in the nation, UWM and XXXX. I did not solicit this information from him, he said it as as a sales tool and that he has loans going currently with both UWM and XXXX right now. I asked him about the ultimatum addendum that UWM wanted them to sign as well and he said his CEO, worked it out with UWM that UWM 's ultimatum did not apply to them. He said, " we had to punch them in the nose then give them a hug ''. When calling into their company it states their calls may be recorded for training purposes, so the call may have been recorded. 

I know CFPB is aware of this ultimatum that UWM imposed on the broker community. It seems to me, to be a anti-competition / anti-trust violation that hurts consumers. What is CFPB 's position on this issue and the fact UWM does not apply it to all their brokers across the board? 

I look forward to your reply. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting

my credit score decrease without any specific reason in XXXX XX/XX/2015 and I paid off in full a personal loan XXXX XXXX bank and I didnt received XXXX credit from all credit bureas. I contacted Experian credit report and I was told by a representative some times my credit score will decrease without any reasons.