23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello and Thank you for reviewing my complaint, As of early XX/XX/2020 we were sent a collection stating that we owed a balence of about {$12.00} grand to XXXX XXXX XXXX, this notice was sent from IQ data international. We had contacted to Comapny asking why it is this amount when the apartment agreed to do rent responsibility till someone had moved in we would be notified and ask for a payment. Instead they had sent it to collection with out notifying me till late of XX/XX/2020. We sent the revision to the collection company and they did not adjust the price till XX/XX/2020. During this time XXXX we tried working with them explain I am unemployed living off my fiance at the times income. I explained to Iqdata that we had left because I was being XXXX by a tenet who was selling XXXX in front of our gate where our apartment was right in front of. While ontop of that, the gate was always broken even though we were suppose to be in a gated community because this XXXX had always opened Manually breaking the gate. The apartment had verbally told me that they would address this and contact legal, I've never heard back. Complaints were repeatedly made to the office and the police. I had told the iqdatatech, I was scared because I wish not to be XXXX again, the tech responded " that's your fault ''. So, as you can understand I yelled back ; being told it is my fault for being rapped is 100 % wrong. The next day I had apologized tell her I am stress, suffering from XXXX XXXX, XXXX, and XXXX. To avoid further issues my fiance at the time, now husband, XXXX XXXX had called to try arrange a affordable arrangement, they disagreed and told him we now have a vendetta against you and will make your lives difficult. Then our 3 lease signers XXXX XXXX had contacted them to make arrangements and they told her if she had paid XXXX grand and the other lease signers again XXXX, XXXX, and XXXX XXXX agree they will take her off the lease. Which we wrote a letter agreeing with our signatures. She called and ask to start the process and they told her " No.Why would we, when you have the highest score? '' She asked for other options and they had screamed at her saying " that the have a vendetta ''. We sent another letter asking for a payment arrangement again explaining we are now affected by XXXX and furloughed from the district XXXX and XXXX. They contacted us again and only asked us to pay, and we asked did you receive our letter and they responded " yes, that's why we changed it to the revision the apartments made ''. This company has been rude, had lied, and had went ahead and added the collection and diluquent on our credit score after stating we were affected by XXXX they put it on our score. As the law stated during pandemic they are not allowing collections to be added to scores.
Product: Consumer Loan

We had a few major medical and vehicle repairs hit all at the same time. We got behind on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my lender that I was not approved for a home equity loan due to some derogatory itmes listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Pleae remove the items as soon as possible. XXXX XXXX {$130000.00} XXXX  XXXX XXXX XXXX  XXXX {$12000.00} XXXX   XXXX XXXX AR XXXX {$530.00} XXXX XXXX {$2300.00} DEPTEDXXXX XXXX {$7700.00} XXXX XXXX XXXX {$10000.00} DEPTEDXXXX   XXXX {$4200.00} XXXX  XXXX {$250.00} XXXX  XXXX {$550.00} XXXX BANKS XXXX {$2600.00} DEPTEDXXXX XXXX {$4000.00} XXXX XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$170.00} XXXX  XXXX {$1000.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$800.00} DPTEDXXXX   XXXX {$4200.00} XXXX XXXX {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous of times for XXXX and Trans Union to correct my credit report concerning XXXX XXXX credit card ending in XXXX. They are continuing to report different information. XXXX is reporting that I have XXXX missed payments. THIS IS NOT ACCURATE INFORMATION REPORTING IN MY CREDIT FILE. Trans Union is reporting that I have XXXX missed payments. THIS IS NOT ACCURATE INFORMATION! I have tried to get this issue resolved now for the last 6 months now! Please do not send me a response telling me that the information is accurate. IT IS NOT! I am now prepared to take legal action against Trans Union and XXXX for not investigating this properly and continuing to let XXXX XXXX report incorrectly on my credit report. I have also written several letters of how, You continue to tell me that the information is reporting accurately and you have done an investigation now I need proof that investigation was done if this is not removed from my credit profiled immediately. 
Time is of the essence
Product: Debt collection

This company continues to call me after I sent them a certified letter asking them to stop. They refuse to address the Illegal or unethical communication tactics. The Excessive phone calls must stop.They have continued to try and collect a debt I do not owed.All of these reason violates FDCPA.

Furthermore, they refuse to address the issue of their violation and simply mark this as a duplicate complaint. Im going to refrain an attorney if they do not stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have 2 collections on my account from the same company. I do not owe this company any money never signed anything with them or anyone there represent. The company name is jefferson capital system they claim I owe them XXXX & XXXX to them. I do not owe them any money. I have no idea who they are or what there talking about. This is fraud/identity theft as I have no knowledge of this and never authorized or signed anything for these amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Employment Info : Self Employeed XXXX XXXX XXXX XXXX This is inaccurate and I gave nobody permission to post false information or nay information about me. 

XXXX XXXX XXXX XXXX : This is my account and accurate. Only this Inquiries ..... 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I have not given any of these company 's permission to pull my credit report. This is inaccurate reporting and I want this removed. 
XXXX XXXX XXXX Reported XX/XX/XXXX {$930.00} Outstanding XXXX XXXX XXXX Reported XX/XX/XXXX, {$930.00} Outstanding. This is not my account. This was my ex-roommate 's account with a rental company and other than living in the same house I had nothing to do with. This is inaccurate and ridiculous. This needs to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This is NOT one of my creditors. This needs to be removed asap. 

I am trying to establish my credit and these false and belligerent reporting 's have really messed things up. I hope this gets resolved asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a Bankruptcy thats currently reporting on my credit file with XXXX, Transunion and XXXX. This Bankruptcy was completely dismissed and should not be reporting on my credit file with XXXX, Transunion and XXXX. Please remove the inaccurate Bankruptcy thats reporting on my credit file. Please and thanks
Product: Credit card or prepaid card

Booked flights with XXXX XXXX for my wife and I to XXXX in XX/XX/2021 with Chase travel. Due to Covid numbers increasing, we decided to call Chase and cancel the flights. They assured us that the cost would be credited back to the account within 6-10 weeks and we should receive an email.

After 12 weeks with no email and no refund, we called Chase for an update. We were told that we could not receive a refund because we were marked as " no shows '' for our flight, meaning that Chase never processed the cancellation with XXXX XXXX. After several hours on the phone, the Chase representative again stated that we would be getting our refund back within 6-10 weeks.

We again waited for about 12 weeks with no update, before calling again. We asked the representative to review our past calls and again after several hours, we were assured that we would get the refund back with XXXX bonus points for the trouble and it would only take 5-7 days after being escalated to a higher team. 

After several days. we received an email that again stated that we would not be receiving a refund or travel credit, this time stating that XXXX XXXX denied the refund ( attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in the foreclosure process in New York State since XXXX. 

I had a well-performing ( perfect, in fact ) mortgage from the XXXX inception until the servicing rights were sold to XXXX XXXX XXXX XXXX XXXX ( XXXX ) just before the original lender/servicer ( XXXX - the old one ) went under in XXXX. 

XXXX was the subject of a CFPB consent order and no longer services loans. I believe that my experience with them was a slightly different scam ; the ones the consent order dealt with involved problem or non-performing loans ; in this case they took steps to ensure that my loan became non-performing. More details forthcoming if needed. 

After damaging my account, XXXX promised they would modify my loan but I would have to stop paying which I did in XX/XX/XXXX. I have made no payments since then. 

The foreclosure case continues ; I answered it and successfully defeated summary judgment motions because so far the plaintiff can't prove that they had standing to sue me. 

I have never engaged in any modification plan or other payments. There is litigation going on ; I appear to be winning ; the Statute of Limitation ( SOL ) on the debt expired in XXXX and if I can defeat the Plaintiff it may be difficult or impossible for them to turn around and sue me again. If I make any payment to them, it destroys my SOL defense. I did not and would not do that. 

The current owner of my loan is XXXX XXXX XXXX The servicer is XXXX XXXX XXXX ( the furnisher of the bad credit information ). 

I have rebuilt my credit and had a FICO credit rating with all three CRB 's around 720-750 and growing. 

Suddenly early this month I got an alarm from two of the three bureaus, Equifax and XXXX, that my score had decreased 75-100 points. 

XXXX had reported to the two that I had engaged in a modification starting in XXXX ( had not reported this purported transaction until recently! ) that was paying as agreed but that the overall account was worth over {$1.00} XXXX and was 120+ days in arrears. 

None of this is true. This account should not have been reported to the CRBs after XX/XX/XXXX. 

I took the following immediate steps : Faxed a letter to XXXX demanding that they correct the error. Had my ATTORNEY fax a letter to the lawyer for XXXX/XXXX   that it appears retaliatory and should stop forthwith. 

I disputed the claim with both CRBs. They appear in no hurry to correct the errors. 

So far, 10 days have passed and no answer to my letters and no resolution to my issue. 

OH ... this is the SECOND TIME this has happened. It happened in XX/XX/XXXX as well, and was corrected at that time.
Product: Credit reporting or other personal consumer reports

Navient student loans show as 90 days late from XXXX, XXXX, and XX/XX/2023. I have always been paying on time since beginning of the loan period, and I wish this to be removed from my credit reporting immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wont hesitate to take legal action against YOUR COMPANY A consumer agent who used to work there told me you guys dont care and never take time to provide proof and never report accurate information AFFIDAVIT OF TRUTH Consumer Enforcement as Administrative Counter-Claim by Private Right of Action Notice to all, I am that I am, the consumer in fact, natural person, original creditor, XXXX XXXX executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, Consumer XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 
Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 
Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 
Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 U.S.C. 1692 ( G ) On the date of XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$100.00}
Product: Student loan

I submitted an application to be placed on SAVE repayment plan. I followed all guidelines for the application on the student financial aid website. My application was signed and uploaded as a XXXX which the loan provider states they accept. I received an email from Nelnet that they will not process my application because it wasn't signed. This is false, the documents were signed and all aspects of the application were checked before submitting. 

I believe this is a thinly veiled attempt to deny my application without just cause.
Product: Credit reporting or other personal consumer reports

The Fair credit reporting Act 15 USC 1681 et seq. governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by credit reporting agencies. Transunion is currently reporting my XXXX XXXX XXXXXXXX account inaccurately. This account was closed on XX/XX/2022, however, Transunion is reporting it as being 30 days past due. This has caused injury to me and caused me to get denied for funding from several banks. 
XXXX acct XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I found many inaccuracies. The following accounts are inaccurate, yet your company continues to report inaccurate information to my consumer report. Under the provisions of the FCRA I am demanding that your agency proves to me in writing the accuracy of the reporting of the inaccurate accounts listed below. 
By law you have 30 days to provide me with proof of accuracy or these inaccurate accounts must be removed from my report. I have sent this complaint through the CFPB so it is timestamped, and I have attached my license and proof address to this complaint, and the CFPB sends me copies of this complaint so I have proof if need be, so I expect a prompt response from your agency. In the event that your agency fails to respond with the proper documentation that I, the consumer, has requested within the 30 day period, as a consumer I will follow up with whatever action is necessary as you will be held legally responsible for noncompliance under the Fair Credit Reporting Act, 15 USC 1681n. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

Jefferson Capital Systems has reported to the credit bureaus, which is negatively affecting my credit report. The information in question pertains to an account that I believe has been reported erroneously.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, SYNCHRONY XXXX, is reporting late, yet it is closed and the balance is XXXX as reported in my credit report. Lets remove this immediately. The Bureaus are required to verify for themselves, but they failed to neither comfirm nor erase theis complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL, XXXX Address ID # XXXX from my credit report but transunion is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence
Product: Vehicle loan or lease

I had planned to pay off my lease to buy my car. The first week of XX/XX/2022, I called Hyundai Motor Finance to obtain information regarding lease pay off. I was told to send a cashier 's check by mail and to submit an odometer disclosure statement. The form had to be approved to be sent to me via email and would take up to four days to receive that email. I never received that email containing the form. After much searching, I was able to find an odometer disclosure statement form online. I printed it and faxed it to them XX/XX/2022. Also on XX/XX/2022, I sent a cashier 's check for the balance of my lease via registered mail. That check arrived on XX/XX/2022 and was cashed on XX/XX/2022. 

On XX/XX/2022, I called Hyundai Motor Finance to check on the processing of my paperwork. I talked to a young man named XXXX who told me the title was in the mail and I should receive it by the end of the week. The title never arrived. 

On XX/XX/2022, I called Hyundai Motor Finance to check on the title again. I talked to a woman named XXXX. She told me that the odometer disclosure statement form I had faxed was invalid because I had checked a box on the form that I wasn't supposed to check. i asked why I hadn't been informed of that issue. She apologized and told me she would expedite my paperwork. XXXX said she would ask for approval for another odometer disclosure statement form to be emailed to me and it would take four days to receive. I asked if I could fax another form to her. She said no because she couldn't expedite the process from a fax. I have not received the email with the form as of today, XX/XX/2022.
Product: Debt collection

I went through a hard time in my life, I had my auntie pass away unexpectedly from XXXX so naturally, I was spending the bulk of my money on my family. I left the payments lapse on this account with First Progress but, when I was able I paid the card off in full. I have repeatedly called them and sent numerous goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it the account is paid. They consistently tell me that it's not up to them, the bureaus have to do this on there own. They don't have much empathy either, just take the money and were not helping you. The First Progress Card has been paid, I would like them to update the payment history or just remove the card please so my score can increase and I can move forward with helping my family properly.
Product: Payday loan, title loan, or personal loan

I believe that MoneyLion targeted our military family, my wife is currently XXXX XXXX XXXX XXXX and XXXX to XXXX XXXX XXXX and I am her husband and dependent. This company extracted fees from our account at the wrong times and for different amounts than agreed upon. They caused us to incur 31 separate overdraft fees at {$36.00} each time. I attempted to cancel and my efforts were ignored. They almost caused my wife and I to divorce, honestly I still feel like we may. They have made it so difficult to cancel monthly subscriptions. I literally had to open a new checking account because of this. My previous account is still open with a negative balance of {$430.00}. I cant pay it! I dont know what else to do! 

They are still attempting to take money every month for a loan that I never received a dime from. It was a {$1000.00} loan, I paid them almost {$500.00} and havent received a XXXX of the loan. I honestly feel they have violated the Consumer Financial Protection Act and the Military Lending Act which states that, XXXX XXXX servicemembers and their dependents, including by limiting the annual percentage rate applicable to credit extended to servicemembers and their dependents to 36 %. I believe our family has surpassed this percentage rate. Through charging us more than we were told through membership fees combined with loan-interest-rate charges, this amount has exceeded the XXXX XXXX Acts 36 % cap.
Product: Checking or savings account

I deposited a check in my name for {$1200.00} to Wells Fargo on XX/XX/XXXX which I was given a {$400.00} advance on the deposit at the time. The check cleared yesterday XX/XX/XXXX but instead of putting money into my account, they removed the {$400.00} advance and placed that money on hold telling me to call XXXX XXXX which made the check. I called XXXX XXXX  and they said the cleared and they cant do anything for me at Wells Fargo. Wells Fargo is telling me to wait until XX/XX/XXXX for the hold to be lifted to receive my money. Although they are technically continuing to process my check, they refuse to give me the {$400.00} advance nor call XXXX XXXX and get this issue fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact the following bureaus Equifax and XXXX  regarding unauthorized inquiries on my credit bureaus. They have been negligent in aiding my getting this corrected on my credit reports.
Product: Debt collection

I give authorization for the company to move forward with this complaint. Please see the full complaint attached in the documents and supporting identifying identification. The company Credit Collection Services purchased a debt without me being involved in the transaction. I do not have contract with Credit Collection Services.