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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear Jefferson Capital Systems, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent. 

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and US DEPT ED accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 11 13 and 16 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. 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, credit repair services, or other personal consumer reports

XXXX XXXX has appeared as an hard inquiry to which was never authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to do a Theral research of my credit report, they did but when i do my research i find that there are inconsistencies in the accounts reported to my personal credit file.in accordance with the fair credit reporting act convergent account numbers starting XXXX, XXXX, XXXX, ( XXXX, XXXX auth user I have asked to be removed from the following accounts since as auth user i am not responsible ) those accounts have violated my rights as states in 15.usc.1681 section 602A sec:2 also states a consumer reporting agency can not furnished a account without my written instructions
Product: Credit card

I purchased goods from XXXX for XXXXXXXX XXXX The XXXX wanted additional money that was not included in the XXXX. I refused to pay the extra money and the visit became unpleasant so I left but they didnt refund me and the bank declined to approve my dispute. So the vendor stole my money
Product: Consumer Loan

The original loan was for a motorcycle in which, I co-signed for my daughter 's then college boyfriend who we felt needed some help. The bank has now changed several names and different ownership. National City Bank is no longer and back in the XXXX 's not much done electronically, I had a payment booklet and the loan was paid off. At the time I never received a former letter or the title to motorcycle since the bank became defunct. Therefore this new company XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX, XXXX bought these defunct pay loans for pennies on the dollar trying to collect on bad/ written off or closed loans. I was contacted in XXXX 2015 stating I owed thousands of dollars from this company. Needless to say I was strong armed into thinking I did and I agreed to much lower amount and paid them {$800.00}! I made XXXX payment of {$200.00} dollars each via check. I have filed a local police report with my local police department and in process XXXX, where I live, XXXX, and then I am doing the same process in the state XXXX where this company is located. Therefore once they received the last payment I was promised my title and end of loan paperwork. When called again the person is conveniently unavailable and when called by the police he was hung up on as well. I will be uploading my paperwork as requested from this so called company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I GOT AN ALERT FROM MY CREDIT MONITORING SERVICE THAT NOTIFIED ME OF A COLLECTION ACCOUNT REPORTED ON MY CREDIT FILE. THIS HAS TO BE FROM MY IDENTITY THEFT CASE FROM A FEW YEARS AGO AND INQUIRES THAT I DID NOT AUTHORIZE.
Product: Mortgage

My mortgage holder ( Mr. Cooper Nation Star ) did not pay the homeowners insurance through the escrow account that is in place. I was notified from the insurance company ( XXXX ) that my policy was not enforce due to non-payment and i needed to make a payment to keep it that way.. I contacted the mortgage company they said they no longer accept them because their rating had dropped. They failed to inform me with a letter and admitted they found no evidence of sending me a letter. They have accepted that insurance for the last few years. The policy is a fair price with great coverage from a reputable company. It is getting more difficult to obtain homeowners in California and the price is doubled if not tripled to get some. They were the ones who dropped the ball by not informing me and giving time to find comparable/fairly priced insurance.
Product: Checking or savings account

Chase closed my account with no clear reason while the account had over XXXX dollars in it. I attempted to get help in person and was only given a phone number and was threatened with security when I asked about my missing funds. When calling the number, I was just told they will eventually send a check and to not call back.
Product: Credit reporting or other personal consumer reports

My rights are being violated and my credit report is inaccurate. There are XXXX accounts in question.I am not liable for any debt. I do not recognize the account numbers. I do not recognize how these accounts are being reported and. I do not recognize the account status. I do not recognize the account high balance. Nor do I recognize the late payments associated with it. everything being reported here does not meet the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C 1681e ( b ) and 15 U.S.C 1692g they are in violation.
Product: Checking or savings account

These thieving criminals, in response to our legitimate complaints against their bad business practices, have instead decided to abruptly, and without warning, close our checking and savings accounts, and to add insult to injury, decided to confiscate {$20000.00} of our money which is actually XXXX XXXX federal loan money and illegal to confiscate. 

Please urgently investigate and advise, and above all, not only release our XXXX money in total, but keep the bank account open and punish those responsible for this theft.
Product: Credit card or prepaid card

On approx. XX/XX/23, I was notified by my XXXX XXXX  company that someone had opened a credit card in my name at CITI bank. I contacted Citi and was told that they had stopped the issue of the card. I then contacted XXXX XXXX and they proceeded to take a report and have the new credit card canceled and my credit report updated as well. In the interim, I received a call from XXXX XXXX asking if I had recently tried to open a new account there. I told them no and they said they would take care the problem. I then had XXXX XXXX have the credit bureaus put a fraud flag on my account which would prevent anyone other than me from opening new accounts in my name. In addition, the same week the credit card issue happened, my bank account was hacked, and the bank stopped the requested transaction, and I was required to open a new account.
Product: Credit card or prepaid card

Between XX/XX/XXXX and XX/XX/XXXX, there were 4 fraudulent transactions of {$1100.00} on my credit card ending # XXXX. Bank of America detected these transactions and sent me a phone message to verify is this was me. I said no, and immediately contacted them to cancel the card and open the investigation. 
XX/XX/XXXX. I received notice in my Desktop app of Bank of America, stating I responsible for all four transactions, as follows Our records indicate that the card was present at the time of the transaction ( s ) as the chip on your card was read. In addition, your PIN may have been entered or a signature obtained. As a result, youll be responsible for the balance on the account in accordance with your Account agreement. Since Desktop app way was the only was I was notified ( no email or mail ), I noticed this message by end of XXXX. Bank of America provided no further evidence for the statements above. 
XX/XX/XXXX. I personally go to Bank of America, with a document written, asking them to re-open the case, and provide me the following : 1. The exact timing of transactions ( made with credit card ending # XXXX ) between period XX/XX/XXXX to XX/XX/XXXX. Apparently these were in-store transactions which I have never authorized. What is more significant, credit card was with me all the time. Thus, I asked for this information because I could possibly prove that I was not present during these transactions. 
2. Proof that my chip card was read, in addition to the proof that either PIN was used or my signature ( with signature scan ) 3. List of all transactions attempted with credit card ending # XXXX in the past two years, that is between XX/XX/XXXX and XX/XX/XXXX. This was related to two things - a ) I suspected that there could be more fraudulent transaction attempts, which are not visible to me as an end-customer of BoA, b ) I havent been using the card ending # XXXX, ever since I opened another reward card for better in-store deals ( that is in past two years ). 
XX/XX/XXXX. I got mail from BoA, stating, " We've received your dispute regarding our decision on the fraud claim. Our decision hasn't changed '' Bank of America provided me no evidence about their investigation that I have asked for, I was found responsible for transactions even though I stated I haven't done it in via messaging system, and their communication with me was done very poorly and scarcely.
Product: Credit reporting or other personal consumer reports

As you can see my credit report is excellent there has been a fraudulent credit account added to my report that I am asking for you guys to remove, please review attach files below.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 someone opened a fraudulent XXXX credit card in my name with a {XXXX} limit. They spent {XXXX}. They also used a fake address and misspelled my first name ( both of which I was able to remove from my credit report ). 

I filed an Identify Theft Report in XX/XX/2018, and have been trying to get this account removed from my name for XXXX  years. XXXX is still showing it on my credit report because XXXX still says that it was my card... even though it was not. I have disputed at least XXXX times, and nothing has been resolved. Most recently the account was " charged off '' but still shows as a closed account, with late payments and an outstanding balance. 

This is incredibly frustrating, and totally unacceptable.
Product: Checking or savings account

When trying to pay my rent online, I discovered that both my Debit and Credit cards have been blocked by HSBC bank, with no explanation, despite my account having adequate funds available. I spent all day calling the HSBC fraud department, but they just keep putting me on hold, until finally they went home for the day. If I do not get my card unblocked and pay my rent by tomorrow, I will be fined late fees, for which I think HSBC should be held liable.
Product: Credit card

I reviewed my XXXX credit card statement in XXXX and noticed daily XXXX charges that I had never used. These fraudulent charges started XX/XX/22 and typically consisted of several charges per day ranging from $ XXXX {$99.00}. There were approximately XXXX charges. 
I contacted Wells Fargo fraud and they closed my card and sent me a new one. 

Before I could even activate my new one, it was still receiving daily fraudulent charges. Yes, this is on a card I had not even activated. Wells told me that sometimes this happens when a card is linked to my account ( I don't know what that means and they never could explain it ). So, they sent me a third card, which was also compromised before I could activate it. Finally, the fourth card worked and the fraud stopped. 

The fraudulent charges occurred XXXX totalling more than {$2000.00}. Yet, Wells only adjusted {$290.00} ( see itemized attachment of all daily charges and adjustments ). 

I called and they told me to resubmit it to fraud. It was denied again. 
I went to my local branch and explained everything and showed my backup to the manager ( XXXX XXXX ), who agreed it was obviously fraud and worked with fraud. 
When XXXX had no luck, and no explanation, he sent my claim and backup to Wells Fargo executive office. Several people tried helping me over two months. They agreed it was fraud, but said it has to be approved by fraud. After two more failed attempts, a Wells employee at the executive office ( XXXX ) recommended I try this or small claims. 

I don't know what else to do, since it is clearly fraud ( there's none of these charges on my personal XXXX account ). Wells fraud department has no manager or anyone you can follow up with, and they provide no reasoning for denials. This has been extremely frustrating and wrong... I've been a customer here for nearly 20 years, and they clearly never even looked at this because the fraudulent XXXX XXXX XXXX charges on my card are a different XXXX XXXX XXXX than the real one.
Product: Vehicle loan or lease

I bought my car during covid, I ended up getting very ill and could not keep paying my car payment which had a 14 % interest rate on a XXXX XXXX I tried to reach out and get a lower payment but they kept denying me.
Product: Checking or savings account

On XX/XX/21 my phone and accounts were compromised by a scammer who withdrew the following from my bank account {$2400.00} {$2200.00} {$2100.00} {$2000.00} And transfered it all to XXXX XXXX unlinked my account and moved all of my money to other debt cards. I contacted my bank in the moment it was as happening and they said they could do nothing until the transactions cleared. I reached out to XXXX XXXX  as well in real time alerting them that someone was actively stealing money from my account, they did nothing as well and then denied my claim. 

I need help and protection from these crooked companies who refuse to be accountable for there services and institutions. Ive done everything the FDIC said I should do for my money to be insured yet, my bank is denying the refunds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent off 3 letters to XXXX, Transunion and XXXX  informing them that there were some forcible inaccuracies on my credit report and that I wanted them removed. It has been over 45 days and I have yet to receive even the slightest response. The FCRA states that the bureaus have a specific number of days in which to respond and we are well beyond that. I am considering litigation at this point as these inaccurate violations are abusive. Thank you. Please have them delete these erroneous items from my credit report as the laws state is their responsibility and my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this statement to delete the following information currently on my credit report. The items I need removed are listed in the report. I am a victim of identity theft and I demand that you erase these items off my credit report to properly correct my report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!
Product: Credit reporting or other personal consumer reports

Please remove this information from my credit report, this affects me a lot, I don't want to have it. 
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

XXXX XXXX XXXX is reporting a collection for XXXX XXXX. I have never done business with either entity. The creditor or collection agency does not have the authority, permission, or consent of the surety to be in contact with the alleged principal debtor XXXX XXXX. There is no evidence to the contrary. 

They also do not have my written consent or instruction to furnish any sort of data or information to any consumer report as I have no relationship, connection, or marriage with either XXXX XXXX XXXX or XXXX XXXX. 

Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX whether written, verbal, non-verbal, or otherwise is now revoked. 

Any possession of a signature belonging to XXXX XXXX unlawfully in their possession is also rescinded, effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

US. Bank is one of the owners of XXXX XXXX XXXX, a consumer reporting agency is reporting an account that was included in a bankruptcy I file more than 10 years ago. This account should not even reported to XXXX XXXX XXXX  because it was part of the bankruptcy. Since they are the owner of such service they feel they can do. what ever they want. US Bank at the time I opened the account was an issuer of secured credit cards. In order to get the credit card I had to deposit {$300.00} into a savings account at the bank. After a few years I had to file bankruptcy on the amount that was used on the credit card. At the time US Bank would not simply take the security I put up the cure the debt. Also they would not return the {$300.00} after the bankruptcy was discharged. Now dating back from XX/XX/2022 they have the account listed as Saving Closed-Purged. By the definition they have listed on XXXX XXXX XXXX a company that the bank partially owns it says I mishandled the bank account. Filing bankruptcy something I had legal right to do should not translate to me or anyone else mishandling an account. This entry they have listed on XXXX XXXX XXXX a company owed by US Bank is causing me to not be eligible to open an account at other banks.
Product: Credit reporting or other personal consumer reports

I am contacting you all in regard to my account with Ally. My account ( # XXXX ) with Ally still hasnt been resolved. It is now going on 2 years. Ive been in contact with Ally ( last time in XXXX ) and nothing has been updated nor any information still could be provided on the account. Each time being in contact with Ally, Ive made sure to update all my contact information, in hopes of them sending the original agreement document, as requested. Due to me having no information on the vehicle, after car was repossessed, I requested documents on this as well. I havent been sent anything as of yet since requesting them back in XX/XX/XXXX. Even online, theyre arent any documents in my profile that shows what theyve sent since XXXX. Since last being in contact with Ally, I talked to two representatives, due to the first one hanging up on me, I called to ask for a 1099-C form. I was curious if they had ever sent me XXXX and I never received it because it has been over a year. But the representative asked Who said something about a 1099-C? This account has not been settled. Which is confusing because on each credit bureau sites says the account is written as a charge off. On the IRS it states, when a creditor reports a cancellation of debt to the IRS, this day of the following year in which the debt was canceled, the Form 1099-C must be filed and reported to the IRS and a copy provided to the debtor as well ( in which I have never possessed ). In this case, the debt amount is over {$600.00}, so the creditor usually is required to issue a 1099-C to report the cancellation of debt to the IRS, which should have been done if the account has been in the status of a charge off since XXXX of XXXX. As the conversation continued, the representative goes to say that someone will be picking up my account and thats all they could tell me. I asked who was my information and account was being sold to and she could not give me an answer. My account is now going to another 3rd-party company since given back to them by XXXX XXXX after I filed a complaint on them. This company has violated so many Laws and Acts of the FDCPA, TILA, and FCRA ( FDCRA 15 USC 1601, The Disclosure Requirement of the TILA Act, and numerous FCRA practices and acts ) I have enclosed copies of relevant documents that support my dispute. I also had Gap Insurance on the vehicle. As of today XX/XX/XXXX, Ally is now trying to attend to my case updating wrong transaction history information and reported it to each credit bureau.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge-off status reported by XXXX  on my account [ XXXX ] and the failure to provide me with a Form 1099-C, Cancellation of Debt, which I believe is required in this case. 

On XXXXXXXX XXXX XXXX charged off my account, but despite this action, I have not received a 1099-C form reflecting this cancellation of debt for the tax year XXXX. According to IRS regulations, when a debt of {$600.00} or more is canceled or forgiven, the creditor is required to issue a Form 1099-C. I have not received such a form, which leaves me unable to properly report this debt cancellation on my tax return. 

This lack of compliance with IRS requirements has caused confusion and uncertainty in managing my financial obligations. Therefore, I respectfully request that the CFPB assist me in resolving this matter by taking the necessary steps to ensure XXXX provides me with the required 1099-C form