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

To whom it may concern, Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S I am writing to file a complaint against Jefferson Capital Systems for engaging in debt collection activities within the state of Missouri without the appropriate licensing. According to my records and research, Jefferson Capital Systems does not hold a valid license to collect debts within the jurisdiction of Missouri. 

This unauthorized collection activity violates the laws and regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) as well as Missouri 's specific regulations regarding debt collection practices. I believe this conduct is unacceptable and warrants investigation and appropriate action by the CFPB. 

I request that the CFPB thoroughly investigate this matter and take necessary steps to ensure that Jefferson Capital Systems ceases its unauthorized debt collection activities within Missouri. Additionally, I urge the CFPB to impose appropriate penalties and sanctions on Jefferson Capital Systems to deter similar violations in the future. 

Furthermore, I would like to request that the CFPB keep me informed of the deletion progress of this investigation and any actions taken against Jefferson Capital Systems to delete all credit reporting immediately. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX of those unauthorized accounts and enquiries made me feel very XXXX  about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 


Please make a further review on the following inquiries ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. 
My credit has been negatively affected. 
There are several collections and hospital bills that have accumulated on my report that I have no knowledge of nor did I authorize. There also several phone accounts on my credit that I did not start, there bank accounts in my name that I don't own or never had.
Product: Checking or savings account

In early XXXX, I deposited two checks into my account. One of them was {$50.00} and the other one was over {$5000.00}. The {$50.00} amount was available right away and so I transferred that to another account. The other one was initially partially available. On XX/XX/XXXX, I was informed by USAA that my account had a negative balance. I was very concerned. Apparently, USAA had made both checks unavailable and so I had a negative balance due to transferring the {$50.00}, which had initially been available. 

I tried to access my account, but it appeared my pin was not working. This was concerning. When I tried to call USAA, the pin was said not to be valid. I was really worried about fraud. I managed to get into my account and I changed my pin. 

This morning, I was informed that my account has been locked due to suspicious activity. In order to unlock my account, I need to call USAA. I have called several times, but each time there is an over 2 hour hold time. I waited for a very long time, even skipping work, but then suddenly the line hung up. I tried again and waited another two hours. It also failed. I need to work, and so I can not hold this long. This is unacceptable for me not to be able to access my money until I have the time to hold for over 2 hours. I feel like USAA has held my money hostage. They pride themselves on being a bank which can serve customers without branches, but they have locked my account from making outbound transactions and I can't get a hold of someone in order to unlock it.
Product: Credit reporting or other personal consumer reports

Amsher Collection Services and XXXX are both in violation of licensing law, debt collection laws, credit reporting laws, and federal trade & privacy laws. They are furnishing and storing invalid, unverified, private and personal information at a huge risk that could be damaging, threatening and in a way cause loss or injury to I the consumer. I demand the CFPB as a fiduciary and regulatory agency investigate this matter.
Product: Debt collection

I sent a debt validation letter to prove I owe LMNV
Product: Credit card or prepaid card

I purchased a XXXX {$200.00} certificate with points from American Express through the Amex rewards site ( I redeemed Amex points ). XXXX states they can not use the certificate # XXXX because Amex is not passing information to their system. Im out the {$200.00}.
Product: Debt collection

Our Landlord, XXXX XXXX, wrote a letter in XXXX 2015 and told me and my fiance that we owed them an amount of money that was incorrect. We had no security deposit. Our lawyer wrote to XXXX XXXX and the person XXXX XXXX, our lawyer spoke to at XXXX XXXX agreed the amount owed was incorrect. She agreed to send another letter with the correct amount owed by us to our lawyer. She never heard from XXXX Properties again, and nor did we. In XX/XX/XXXX we received a letter from a collections agency. We did not immediately respond to the collections agency because we had already had a run around with the landlord. My fiance did tell the collections agency that we were represented by an attorney. The collections agency reported this alleged debt to the credit agencies before we ever were able to agree or disagree about the corrected amount owed with our landlord. Our attorney wrote to both the collections agency and the landlord regarding the laws that they had violated and neither has responded to our attorney at this time.
Product: Student loan

I was advised SallieMae loan company by my school in XX/XX/2016. The company never went into details on repayment options and promised low interest fees. I was told that I was given a " low interest of 9 % '' for my loan. When i made my first payment I was told that i would be only paying a monthly interest fee of about $ XXXX and after almost a year of making the monthly interest fee, I noticed on my account the scheduled fee per month is {$260.00}. For the past year, I have been desperately trying to make $ 300-500 payments to avoid damaging my credit. I have never been given straight forward information about my monthly fee and my balance has not really decreased very much. Their interest rates are insanity. I still am unclear about my loan repayment plan and yet need answers.
Product: Prepaid card

On XX/XX/2024, a transfer, that I did not authorize nor was even contacted about to approve, was made from my government parental leave benefits account to another account somewhere. The bank, Money Network, was contacted about this fraudulent transfer 4 days later, and a dispute was raised -- and an investigation was begun to find where the money went. 

Within a day of raising this dispute, on XX/XX/XXXX, a letter was mailed to my address where the claim was already denied -- even though an email requesting a full statement and any information about the transaction wasn't sent until XX/XX/XXXX -- so an appeal was begun to have this matter investigated more thoroughly. 

On XX/XX/XXXX, another letter was sent to my address stating that the claim was still denied, and we sent back requesting the documentation for why this claim was denied -- nothing has been heard since then.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX  XXXX Account Number : XXXX
Product: Credit card

On XX/XX/year> I requested a balance transfer for {$53000.00} from my Barclays XXXX XXXX to my bank account. The account rep asked for my bank account number and nothing else. I have requested this same balance transfer for the last 3 years because of the great 0 % interest rate. I was told that it would take 2 weeks for the funds to arrive in my account. The other times I received the transfers within a couple days. It has been 40 days since I requested the transfer and the funds are not in my account. The biggest issue is that the balance and fees are on my account. Now they expect me to pay the monthly fee associated with the {$53000.00} balance that I never received. I have called Barclays over 15 times in the last 40 days and still have not received a satisfactory answer. I have been told that the funds have been transferred to a wrong location and that the rep should have taken my routing number ( which she did not request ). The customer service reps are just giving me the run around. They say it will take up to 2 billing cycles to finish the investigation. I will have to pay monthly payments for funds I never received. Please help me get this rectified.
Product: Checking or savings account

My name is XXXX XXXX and I am overwhelmed with frustration with Citibank n.a. as I opened up an account with the bank and they have since denied me access to my money from SBA that was deposited in the account XXXX direct deposit and now they have blocked my access to my funds sighting that access is denied upon verification of my identity to the fraud department. I have tried effortlessly to get them to unlock my account expressing every possible way to verify my identity through any other alternatives including the reference number they claim to have sent to the address on file under my account I have yet to receive anything. They are in violation of federal laws and I have tried to do whatever it takes to get my identity verified so they will unlock my account. I'm going tomorrow to see an attorney and filing a class action against them as well. This is unjustly denying me access to my money and my kids and I are fixing to be in the street because they are keeping me from my funds I request that this issue be addressed immediately I have sinced filed a complaint with XXXX  FDIC and now cfpbs. Thank you kindly for you consideration in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX and I'm including it again. 
DEPT OF EDXXXX XXXX Balance : {$3600.00} ; DEPT OF XXXX XXXX Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX XXXX : {$3700.00} ; DEPT OF ED/XXXX XXXX Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX Balance : {$690.00} XXXX DEPT OF ED/XXXX XXXX Balance : {$1800.00} ; DEPT OF ED/XXXX XXXX Balance : {$3200.00} ; DEPT OF ED/XXXX XXXX Balance : {$2600.00} ; DEPT OF ED/XXXX XXXX Balance XXXX {$1800.00} ; DEPT OF ED/XXXX XXXX Balance : {$320.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX : -
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  gave me a credit card if I bought a new XXXX XXXX phone which I did not want. Now they are dunning me for payment. I put the purchase in dispute and answered their questions but XXXX refused to take back the phone claiming it was too late to be returned but it was not suitable for me to have it. Now, I reported this to Transunion and they never put it on my report that this charge is in dispute and are dunning me for payments for XXXX XXXX. So the two of them are doing this telling me how my score is lowered but if you return a thing to XXXX, I should not be charged for the purchase. I returned my XXXX XXXX  to you to return to them. 
I did not want the phone but XXXX insisted I buy it to please XXXX. 
It did not work right in the beginning and overheated. i just wanted XXXX to take it back. XXXX refused to take it back but i did not have it that long. The Transition still refuses to put this on my report that this charge is in dispute and keeps asking me to pay XXXX when it is in dispute. 
The Transunion is supposed to put that on my credit card that this charge is in dispute but refuses to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This is completely inaccurate. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX XXXX  This is not accurate. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX  I do not recognize this. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX I do not recognize this. Please remove this inaccuracy from my report XXXX XXXX XXXX  This inquiry was not authorized, please remove it from my credit report XXXX XXXX XXXX This inquiry was not authorized, please remove it from my credit report
Product: Mortgage

In XXXX of XXXX, I entered into a forbearance program with US Bank. Although I was ready to end the program after 2 month once I knew I would still have a job after Covid hit and everything shut down US Bank advised me that this program can only be used once and no one had any clue what was happening at this time. I ended the forbearance after 6 months. I went through the trial payment process. Completed it. Was approved for the modification. Completed all forms sent to me. The next correspondence was US Bank never received the packet with signed docs. Then I get a letter stating it was received but not in time. I know for a fact from a US Bank employee that no one was going to the bank and working from home at this time. So whos dest or stack of papers my paperwork was left behind on... I dont know. Before this can be resolved my loan it transferred. During a uncompleted forbearance modification process put in place but the US Dept of Housing and sould not have be transferred at this time. My loan has now be transferred 3 times and is never getting the modification finished causing be to be over XXXX month delinquent wrecking my credit showing I owe anywhere between $ XXXX behind which the math doesn't add up and preventing me from any refinance abilities
Product: Credit card or prepaid card

Wells Fargo statement XX/XX/17. I had a total cash advance charge for {$240.00} billed to my signature card. This was for overdraft protection fees from another account. I am being charged at 24.74 % interest. The complaint is there is not a way to pay off the cash advance. I have searched my online account but there is no way to pay it off. I called Wells Fargo and they said there is not an option to pay it off. <P/>This can be a major issue over time because its not upfront - its identified on page 3 of the statement.If any other overdraft charges accumulated then you are stuck with high interest continuing to build until the account is closed.
Product: Money transfer, virtual currency, or money service

Money was taken off my card without my consent I made a complaint about it and was never contacted by anyone there is no live person that I could talk to about the problem so as of now Ive lost out on my hard earned money I worked for
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the CFPB In XX/XX/XXXX, the bureau ( Consumer Financial Protection Bureau ) found that between XX/XX/XXXX and XX/XX/XXXX XXXX violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to XXXX that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete ; failing to provide the date of first delinquency on certain delinquent or charged-off accounts ; and failing to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to XXXX. 

I have disputed the information on my consumer report with XXXX, Equifax, and XXXX on multiple occasions : XX/XX/XXXX, XXXX XXXX those disputes, I pointed out inaccurate information along with the variation of reporting across the CRAs. The information has continuously been verified or falsely updated by XXXX. 

My most recently dispute in XX/XX/XXXX was accompanied with physical proof that was provided by XXXX XXXX ( who brought the account after being charged off ) along with highlighting of FCRA ( Duty of Furnishers ) violations being committed but still the information was updated.
Product: Credit reporting or other personal consumer reports

I sent trans union a letter bureau to investigate every piece of information on the account I have listed blew, Also I have attached the letter I sent out. According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a customers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the customer reported on or with other with he is acquainted or who may have knowledge concerning any such items or information. The credit bureau stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting 100 % accurate, and according to the FRCA 15 1681 everything has to be 100 % accurate.I have the credit report showing the inaccuracies. This is ground for remove able. The credit bureaus stated. my accounts was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate and dates last reported is not accurate. They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction.XXXX  account number XXXX and XXXX XXXX account number XXXX was deleted from my XXXX credit report but not transunion credit report how is that possible.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Subject : Dispute of Inaccurate Reporting and Violation of 15 USC 1681 S-2 ( F ) and 15 USC 1666B ACCOUNTS XXXX XXXX Carmax Auto Finance XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. XXXX, XXXX. XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX hope this letter finds you well. This will be my second attempt regarding this matter of the inaccurate reporting of my accounts, which is in violation of the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 S-2 ( F ) and 15 USC 1666B . 

I reviewed my credit report and discovered that late payments were reported from XXXX XXXX XX/XX/XXXX. I would like to list Carmax Auto Finance and XXXX XXXX, to bring to your attention the fact that these late payments occurred during the period covered by the XXXX XXXX which provided temporary relief for consumers facing financial difficulties due to the XXXX XXXX Not only were these late payments covered, but I called Carmax Auto Finance and XXXX XXXX, due to the hardship, made accommodations, and was assured the account would remain in good standing during this time frame. I am hoping this is a billing error, however it is still in violation of 15 USC 1666B. 

Under XXXX XXXX, I was entitled to certain protections, including forbearance options and relief from adverse credit reporting for accounts in good standing prior to the pandemic. I am requesting that these late payments are removed from these accounts and updated. These late payments are severely affecting my ability to obtain credit and are violating my consumer rights. 


I appreciate your prompt attention to this matter and expect a thorough investigation into the reported inaccuracies. Please provide me with written confirmation of the resolution and any corrections made to my credit report. 


Sincerely, XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX 's failure to depoisit my direct deposit from my employer and any other incoming deposits. XXXX XXXX has cited technical issues, whic may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This is in response to complaint XXXX against Equifax who is currently reporting an inquiry for XXXX XXXX on my credit report which is not accurate. Please see the attached letter from XXXX XXXX confirming that it is not accurate and please have the inquiry removed from my credit immediately. Equifax should also do a better job of investigating and protecting consumers. I am certain if they actually contacted XXXX XXXX and followed the appropriate channels they would be aware that this is fraudulent. 

Thank you,
Product: Student loan

Core issue : Deceptive Business Practices This company and the underlying banks are systematically doing the following : DeFrauding Consumers by False Advertising, Unclear & Ambiguios Terms Receiving Ill gotten gains by falsely comparing their loans to federal loans with obviously better terms then suing the Victims Material Misrepresentation of Deferal & Forebearance terms Predatory lending on 1st time borrowers & minorities Violation of Private, Commercial & Consumer Law through a complex layering of entities and purposely confusing lack of clear scope of regulation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, GA XXXX has not reported my payments accurately for the month of XXXX 2017. The last reported balance is on XXXX-2017. The current balance is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted Experian by mail XX/XX/XXXX about disputing a Bankruptcy on my credit report. They sent me the results on XX/XX/XXXX. I also called Experian on XX/XX/XXXX and spoke with XXXX XXXX he informed me that there verification for public records is through a third party company which is XXXX that the courts use. At first he said I would have to contact the courts after further questions he finally gave me the company name that they use. I then informed him that i have contacted the company that they use and they could not verify the information, and also XXXX uses XXXX and they could not verify the information as you can see i have attached documentation to support.