23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to file a formal complaint against U.S. Bank regarding an issue that has severely impacted my access to credit. I have been a long-time customer of U.S. Bank and hold multiple credit cards with your institution. In XXXX, I attempted to extend my relationship with U.S. Bank by applying for a credit card with Elan Financial Services, a division of U.S. Bank. Unfortunately, this action triggered a fraud alert with U.S. Bank. As a result, the available credit limit on all my U.S. Bank credit cards was reduced to {$0.00}, rendering me unable to use any of my credit cards. 

I promptly contacted U.S. Bank to address the situation and was instructed to fax my New York State Driver 's License and Social Security card to fax number XXXX. I complied with this request and faxed the documents multiple times. Despite my efforts, I noticed that the available credit limits on my accounts remained at {$0.00} after several weeks. 

On XX/XX/XXXX, I contacted U.S. Bank again and was once more instructed to fax additional documentation, including my New York State Driver 's License, Social Security card, two months of checking account statements, and two years of IRS tax returns to the same fax number. I was also asked to include a cover sheet with four reference numbers : XXXX, XXXX, XXXX, and XXXX. 

On XX/XX/XXXX, I faxed all the requested documents, including my New York State Driver 's License, Social Security card, two months of XXXX XXXX checking account statements, my XXXX and XXXX IRS tax returns, and the cover sheet with the specified reference numbers. However, as of today, XX/XX/XXXX, my credit limits on all U.S. Bank credit card accounts remain at {$0.00}. 

While I understand the importance of protecting against fraud, this situation is not a case of fraud. I have provided all requested documentation in a timely and thorough manner, yet I am still unable to access my credit. This has caused significant inconvenience and disruption to my financial stability.
Product: Credit reporting or other personal consumer reports

Upon reviewing my report I noticed fraudulent inquiries and wrong addresses I contacted creditors and the crediting reporting agencies. I also filed an FTC report and asked the credit reporting agencies to put an active fraud alert. The unauthorized and fraudulent items will be listed below Inquires XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Wrong address XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX
Product: Debt or credit management

Name : Jefferson Capital Syst Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Contact Information : ( XXXX ) XXXX Product : Debt Collection Description of the Complaint : I am filing a complaint against Jefferson Capital Syst for violating my rights under U.S. Code, Title 15. They obtained my personal information illegally without my consent, violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

When I called them to issue a cease and desist order, I was surprised to find out that this was not the first time they had violated my rights. Jefferson Capital Syst admitted to repeatedly violating my rights by accessing my personal information without consent. Additionally, reports show the account with incorrect balance. I did not consent to the original creditors to share or sell my personal information to them.

Unauthorized Access to Personal Information : Jefferson Capital Syst obta
ined my personal information without my consent, in violation of 15 U.S.C. 1681b ( FCRA ).

Estimated number of violations : 1.

Misrepresentation and Incorrect Reporting : Jefferson Capital Syst reported accounts with incorrect balances, violating 15 U.S.C. 1692e ( FDCPA ).

Estimated number of accounts with incorrect balances : 1. 
Repeated Violations : XXXX XXXX XXXX has a history of repeatedly violating my rights. 
Estimated number of previous violations:1.
Product: Student loan

My loan was sold to a third party. I authorized direct debits but debit was not made for XXXX 2015 by the seller of the loan ( XXXX ) or the buyer ( AES ). I received a notice from a collection agency that I am 1 month past due on my payments. Why would these companies send my account to collections when both have my direct debit authorization and I have a solid payment history?
Product: Student loan

I have a Total of 20 Missed Payments but in the past, I asked to be put on deferment and in the past, I was searching for work in the career I studied for. At that point, I shouldn't have these missed payments as I had studied while also putting the loan on deferment to be on good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681 ( b ) 2 this is my statement that all of the account inquiries have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These account inquiries are not related to any transactions made by me, the consumer. 

Please remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

several attempts to get XXXX accounts corrected and updated as PAID. XXXX XXXX XXXX. i have also attached her Credit Report showing the Factual proof that the Credit Bureaus Failed to update the account so it can reflect Paid. both accounts have been PAID IN FULL.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. Being forced to work against my will. I believe my information was compromised and Im asking for certain items to be blocked and removed immediately as I get my life back on course XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion, LLC XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
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 XXXXXXXX Date opened XX/XX/XXXX {$990.00} Please send me notification of the actions taken. I appreciate your prompt attention to this matter. The XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX that has the authority to verify my XXXX. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to my joint account with my husband with GM Financial. They are always months late reporting to the credit bureaus. Normally it takes them 3 or 4 months to report. I noticed the end of XX/XX/XXXXthat they had not reported any information since XX/XX/XXXX on my credit report. We were looking into purchasing a home and needed it to accurately report. I filed a dispute wanting them to update the account. The account was updated but updated incorrectly with a 60 day late for the month of XX/XX/XXXX. I was not late in XX/XX/XXXXand have the payment information to prove it. I disputed it again on all credit bureaus as not being late. I also called GM financial who stated that my payments were on time and that I was in deferment in XX/XX/XXXX and XX/XX/XXXX and those months I only made partial payments and then I was completely on time with payments. She did say that another department would have to correct the late payments and she transferred me to them and then from there I was transferred 3 more times and no one know who I needed to be in contact with. My reports from all 3 credit bureaus show inaccurate information. Then after all of this for the month of XX/XX/XXXX I finally heard something on an update on my account and it was from XXXX  and it showed charged off account updated to be charged off XX/XX/XXXX. I don't have a charged off account. Upon investigating all my credit reports XXXX  now has a charge off for Charge offXX/XX/XXXX and then account ok until XX/XX/XXXX which showed charge off again and then ok again until charge offXX/XX/XXXX The account has never been charged off. XX/XX/XXXXall 3 credit bureaus were reporting ok and then XXXX and XXXX showed 60 days late. It cant go from ok to 60 days late. XXXX and XXXX  show worst delinquency as 90 days which is not reported at this time and XXXX shows charge off. The balance on my account per the company website shows that I owe XXXX and according to XXXX and XXXX it shows {$7700.00} and XXXX  nothing because it is charged off. Ever since I had this account there has been late information reporting, system glitches and problems that I am unable to get fixed. I am hoping that we can just reach some kind of mutual agreement to restore my credit for XX/XX/XXXX-XX/XX/XXXXsince that is when the problems with all the inaccurate reporting and misinformation is from. What is later that than that is of no real concern to me. I am just looking for some kind of repair here to restore hope with this company. I have attempted every thing that I know and I just keep making the matters worse instead of better. I am not late and have not been late and maybe if I hadn't of just wanted the reports to update and left it along I would be in better shape now. The sad part is this is not only damaging one person 's credit but two people with the information.
Product: Debt or credit management

Lexington law auto debit money out my account and never produce what was told
Product: Credit card

signed up thru Home Depot account ( Citi group ) Payment was made thru this system. Received an alert for change on credit report, upon investigation it was determined this was the account that alerted. I received NO indication that this was an issue, however I continued to receive marketing materials from them. I contacted HD credit card services they initially stated that there was some problem in processing. Best they came up with was that the routing number information must have been entered wrong. No answer given was in any attempt to rectify this issue just excuses. Was forwarded up the chain and was told that when the payment was made they would forward that for consideration for removal. Was given the run around when asked when this would be removed and why was I not notified of this issue before the credit report was made. As of today that account will be current to satisfy the issue however i received no satisfactory answer as to this report on my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number- XXXX XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the mishandling of credit disputes by XXXX and TransUnion. These disputes concern inaccurate charge-off information reported by XXXX XXXX XXXX XXXX Despite providing substantial evidence contradicting the reported information, the credit bureaus concluded their investigations by simply verifying the data provided by XXXX XXXX XXXX without adequately considering my provided evidence. 

Detailed Account of Dispute and Responses : Initial Discovery and Dispute Submission : XX/XX/2024 : Identified discrepancies in credit reports from XXXX and TransUnion regarding an auto loan marked as a charge-off with an outstanding balance of {$10000.00}, reported by XXXX XXXX XXXX . 
Submitted detailed disputes to both bureaus with supporting documents, including payment records and correspondence with XXXX XXXX XXXX that disputed the charge-off status. 
Credit Bureaus ' Responses : XX/XX/2024 : Received responses from both XXXX and TransUnion. Each bureau stated that after their investigations, they found the information provided by XXXX XXXX XXXX to be accurate and made no changes to the charge-off entry on my credit reports. 
Actions Taken and Documentation Provided : Provided payment histories and detailed chronological correspondences with XXXX XXXX XXXX, attempting to correct the financial records. 
Highlighted discrepancies in the reported balance and status directly to the credit bureaus through formal dispute letters. 
Impact of Inaccurate Reporting : The erroneous charge-off on my credit reports has severely affected my credit score, leading to credit application rejections and potential financial harm due to increased interest rates on new credit applications. 
Concerns Over Investigation Adequacy : The responses from the credit bureaus suggest a lack of a thorough investigation into the disputes, as they did not address the substantive evidence I provided that contradicts XXXX XXXX XXXX reporting. 
Request for CFPB Intervention : I am requesting the CFPB 's assistance to ensure a thorough re-investigation of these disputed entries. I believe the credit bureaus have not fulfilled their obligation under the Fair Credit Reporting Act to perform a proper investigation and to maintain accurate and verified information on my credit reports. I seek the CFPBs support to rectify these inaccuracies that have resulted in significant personal and financial distress.
Product: Credit reporting or other personal consumer reports

I have received multiple emails from the Department of Education that my loans were being XXXX because of a case that found the school I attended was found guilty in a court case against them. The first email about the discharge was on XX/XX/XXXX. At first I stopped making the payments like the email said, then a few months went by and I received an email saying that I missed a payment and when I went to check on my loans it showed that there was no payment need to be made so I left it alone. a few more months go by and then again I receive another email saying that I missed a payment and again I checked the account, but this time it showed that a payment of {$0.00} was due. So I paid the normal amount that I have been paying and did for a few months. I then received an email saying that my discharge was approved and that no more payments were needed and to stop making payments. That email was received on XX/XX/XXXX. After that email I checked my account again and it showed that the loans where put into forbearance and that I no longer had an option to make any type of payment. So with that I figured that things were being finalized and that the loans were being taken care of. I now received an email saying that I have been reported for " missed payments over 90 days '' and it has affected my credit score drastically. I have been trying to find any information in my loan account that tells me anything but there's nothing. It still shows that no payment is due and I have no option to make any payment of any kind to the loans. I tried to reach out to the Department of Education for information and when I submit my request or email it says that the service is unavailable right now. I tried to file a complaint with them about my credit being affected and when I try to submit my complaint that also gets denied and I'm shown a box that says " this service is unavailable at this time ''. I've reached out to the loan service provider XXXX about the issues and are still waiting on a response from them on what is being done. I have been receiving emails that are conflicting with each other and need some resolution, and if they are not going to allow me to make payments then I need this to not be reported and my credit score to be fixed.
Product: Debt collection

We received a letter on XX/XX/2020, from American Coradius International, LLC, toll free phone number XXXX. It states we owe the following and should pay the amount to the address below, it also states we can pay {$470.00} as a partial payment. 
Creditor : XXXX, XXXX Account Number : XXXX Reference Number : XXXX Amount : {$630.00} Make Check payable to American Coradius International, LLC., XXXX XXXX XXXX XXXX XXXX, XXXX, NY. XXXX. 

My statement : I take paying my bills very serious and if I owed XXXX money I would have paid the debt, but this debt is sent to a XXXX XXXX, which is not my name nor the name of anyone in my family. We do not owe XXXX any money, nor have we ever owed XXXX money. After reviewing the XXXX and the XXXX community forum, we noticed there are dozens upon dozens of postings that contain similar cases such as ours relating to the American Coradius International, LLC l. ( ACI ) located in New York. Many users and even non-users of XXXX were contacted by this company trying to fraudulently collect money from home addresss that had fictitious names in the Salutation of the letter. 
We are disputing this for the following reasons : we have not used our XXXX accounts for a very long time ; our accounts show no balances ; there have been no transactions for years ; XXXX has never contacted us about this ; and the letter is addressed to someone that is not us.
Product: Checking or savings account

While attempting to log into my account, I was blocked due to a restriction imposed by Chase Bank. I contacted Chase by phone using the number provided. 

On Wednesday, XX/XX/year>, I visited a branch and met with the manager. Unfortunately, she was unable to assist me and informed me that a final decision had been made to close my accountwithout offering any path for me to address or resolve whatever issue may have contributed to such an abrupt and severe action.

I have been a Chase customer for 20 years with no prior incidents. I am shocked that the bank would not work with me to clarify or resolve any concerns they deemed a threat. There should be a formal process in place where long-standing customers like myself can voice complaints and seek resolutions in the best interest of all parties involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are not follow your law Section 605C of the Fair Credit Reporting Act. XXXX removed the items I disputed, but the two CRA 's listed stated that I did not provide the requested information the needed in order to remove the items, address and telephone numbers that I ask to be removed. I provided a copy of the reason why they did not complete the process of removing the inaccurate items. Both XXXX and Equifax stated in their letters that I did not provide the victim determination documentation. This is untrue, I provided the same documents to XXXX and it was also notarized. 

Equifax under confirmation # XXXX letter sent on XX/XX/2023 stated that they sent me out two notices so that they can correct the problem. I only have the one notice which is the only letter they sent me. I will provide a copy of the letters both CRA 's sent to me. I will also include a copy of the letter from XXXX removing the adverse information that resulted from being a victim of XXXX
Product: Debt collection

Dear Consumer Affairs, I recently obtained a copy of my credit report and discovered that there is a PNC account listed that does not belong to me. Additionally, there are several inquiries listed that I did not authorize or have any knowledge of. 

Attached to this letter, please find a copy of my credit report as well as a cover letter with the inquiries listed. As you can see, the PNC account and the inquiries do not match my personal information or credit history. 

I have taken immediate action to dispute these errors with PNC and the credit bureaus, but I also wanted to bring this to your attention for further investigation. I have always been diligent about monitoring my credit and ensuring that my credit report is accurate, and I am concerned about the potential impact that these errors may have on my creditworthiness. i also have some lates in santander account that was agreed to reverse by creditor. 

I request that you investigate this matter and work with the credit bureaus to have these errors corrected as soon as possible. Additionally, I would appreciate any assistance you can provide in identifying how this erroneous information was added to my credit report and preventing it from happening again in the future. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

I have attached proof that i have requested that XXXX XXXX XXXX XXXX provide information to me that this is in fact my debt. I have not received a response. I have contacted them via certified mail. Attached you will find the original letter asking for the debt verification and the certified mail receipt. I would like this information removed from any and all credit bureau agencies.
Product: Debt collection

Diversified consultants is reporting negative false information to all three major crediting reporting agencies XXXX me. I need copy of signed contract between me and diversified consultants with my wet signature. I have never signed a contract with diversified consultants and do not owe this debt. It needs to cease and desist on any collection and remove this false collection from my credit reports. I also demand any information they have and all statements dating back for 12 months to be sent to me with proof of my wet signature attached. I have contacted this company and they have refused to show proof I owe this debt and have failed to show I have a contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account number : XXXX Amount : {$200.00} XXXX XXXX  Account number : XXXX Amount : {$30000.00} XXXX SELF-REPORTED Account number : XXXX Amount : {$250.00} XXXX SELF-REPORTED Account number : XXXX Amount : {$98.00} XXXX SELF-REPORTED Account number : XXXX Amount : {$21.00} XXXX SELF-REPORTED Account number : XXXX Amount : {$260.00} XXXX XXXX XXXX Account number : XXXX Amount : {$6100.00} XXXX SELF-REPORTED Account number : XXXX XXXX XXXX {$42.00} XXXX Account number : XXXX Amount : {$520.00} 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 : States a consumer reporting agency can not furnish an account without my written instructions.

These companies are violating my rights.
Product: Credit reporting or other personal consumer reports

SEE ATTACHED FOR LETTER TO TRANSUNION IN REGARD TO INACCURATE LATE PAYMENT WITH XXXX