23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Jefferson Capital System a third-party debt collector, for apparent violations of federal regulations. Pursuant to 12 CFR 1022.3 ( H ), Identity theft means a fraud committed or attempted using the identifying information of another person without authority. It appears that Jefferson Capital System has used my identifying information without proper authorization or consent. 15 U.S. Code 1681C-2a, requires a consumer reporting agency to block the reporting of any information in the file of a consumer identified as resulting from alleged identity theft within four business days of receipt. So additionally, I am requesting the removal of inaccurate information by XXXX. Jefferson Capital System has violated 15 U.S. Code 1692 ( G ) ( A ) by failing to send a notice of debt within five days of the initial communication. I have not received any communication or written notices from Jefferson Capital System. I assert that Jefferson Capital System is civilly liable under 15 U.S. Code 1681 ( N ) for the damages resulting from their failure to comply with the law. I am a federally protected consumer seeking a prompt and thorough investigation into these matters. Jefferson Capital Systems actions have caused me significant distress and potential harm to my financial well-being. I am prepared to litigate if a resolution is not reached. Enclosed with this letter, please find copies of relevant documentation supporting my complaint, including an FTC identify theft report, proof of identification, and proof of address. Thank you for your attention to this matter. I look forward to a timely resolution and appreciate your assistance in ensuring that Jefferson Capital System complies with all applicable laws and regulations. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After examining my credit report, I identified inaccurate accounts that were not due to any error on my part
Product: Checking or savings account

In XX/XX/2023 I received a wire transfer of about {$8200.00} from a company that I regularly do business with. I have been receiving transfers like this on a monthly basis for about XXXX XXXX. A XXXX XXXX after receiving it, I logged into my business XXXX  account with JP Morgan Chase and the {$8200.00} I had received was gone. I did not receive any communication from the bank about this Transaction. 

In addition to the money disappearing, my account was frozen, and scheduled to be closed. Again, I did not receive any communication from JPMorgan Chase about these actions. 

Upon further investigation, JPMorgan Chase has shared with me that they believe the company who sent me the wire is suspected of fraud. There is currently no evidence to support that claim. Even if they was, that doesn't give the JPMorgan Chase the right to steal my property from my account. 

To try and resolve this problem, I have created cases with the XXXX  department the XXXX XXXX department, in the electronic money movements department at JPMorgan Chase. The case numbers are as follows : XXXX & XXXX. 

This issue is still unresolved, my money is still missing, and my account has been closed, and my XXXX XXXX was impacted because I missed a payment to a credit card without realizing it. The sad thing is, I am an employee at JPMorgan Chase. Even with my ability to reach out to contacts internally at the bank this issue has still not been resolved. this is exactly why People are flocking to decentralized finance solutions in droves. Give me my money back, and stay out of my account.
Product: Consumer Loan

This was a request to send a certified original copy of a clear title to the above named owner of the XXXX Dodge Ram 1500 ; XXXX XXXX XXXX. According to transactions records from the trustee 's office, the claim has been satisfied with the amount of {$2000.00}, additionally, a XXXX vehicle ; XXXX HYUNDAI XG350 has a court order removal as of XXXX/XXXX/XXXX and was surrender following an accident. Police reports indicate the title owner was notified and the vehicle was taken to storage. 

On XXXX XXXX, XXXX, Check into Cash was called and XXXX spoke with XXXX XXXX. XXXX denied the vehicle was removed from bankruptcy and continued to state the trustee is sending payments for he XXXX Hyundai and the amount owed is {$800.00} and the amount for the Dodge Truck is {$1500.00}. 

Attached please find trustee completed payments, and court ordered surrender collateral. Please be aware that violations under bankruptcy codes are subject to a federal a law suit against creditors, which will include penalties and payments of attorneys ' fees. 

Honorable Judge XXXX XXXX XXXX ; chief of the XXXX District Bankruptcy Court in Texas will be notified of creditors unwillingness to comply with court orders.
Product: Debt collection

I got a collection call from this company call lionstone holdings. They have contacted my mother and told her I was being served with papers for a debt I owed to a loan I took out in XXXX 2016. I called the number who called to get more information regarding the issue and spoken with a guy name XXXX. He wanted me to pay a balance of {$1500.00} and I advised him that is too much. I can not pay that and informed to set up arrangement to make payments plus I was unemployed. I made a first payment of XXXX on the account and I tried to get an extension out and he became very rude stating I would face judgement and be sent to court. I just wanted to extend my balance out but instead he became very disrespectful and rude then disconnected the call on me when I needed assistance with extending. He is very unprofessional and threaten to take me to court. I will love to have someone different over my claim because I am trying to pay back this loan but I do not want anyone disrespecting me when I am trying to work with them in this matter.
Product: Credit reporting

My Equifax Credit Report contains another individual 's data. The other individual 's data has been recorded in my credit agency reports for over one year -- I am not certain how much longer than that. I started checking my credit reports monthly through XXXX, and the data below is from my XXXX 2016 XXXX report. ) The company reporting the other party 's data did not take care of the problem when it was brought to their attention. That company is XXXX XXXX. I have never owned a credit card from this organization or its affiliates. 
I called XXXX XXXX about a year ago, and spent an inordinate amount of time on the phone with them. Together, we figured out the problem, but instead of fixing the error, they told me to take the problem to Equifax. I knew that was just going to waste more of my time, and believe me -- I have no time to waste -- so I am writing you for help. 
The problem is that my social security number was mistakenly entered into the XXXX record and associated with an individual whose name is XXXX XXXX. 

My name : XXXX XXXX XXXX ( aka : XXXX XXXX ) Soc. Sec. # : provided later in this online complaint form Company Providing Incoreect Information to the CRA ( s ) : XXXX XXXX XXXX Specific Problem Identified by XXXX Employees in a telephone conversation -- Another individual 's credit card account has my Social Security Number associated with it. 
Incorrect Individual 's name that appears in my Equifax Credit Report : XXXX XXXX XXXX of her last payment : XXXX, 2016 Remarks : Account closed by credit Grantor. 

All ll I am asking is for data and name to be removed from my Equifax report, as well as any others in which it may be appearing ( Sorry but I do n't have time to check on that now. ) If you need to see a scan of the Equifax-generated information that comes from XXXX, I can do a screen shot and send you that. Please email me if you need that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reopening case # XXXX with additional proof. Please see attached the online pdf excerpt of my latest bill, which I sent to the customer service rep ( and which she ignored ). Please see the date stamp and compare to company 's. Claim was that I had a past due amount but my view of my online activity showed none. I sent an email to customer service with this copy and no one replied.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to provide an overview of the credit reporting disputes I have encountered and the actions taken, which involve the following companies : XXXX XXXX Experian XXXX XXXX XXXX Please note that I have included delivery information for each dispute to demonstrate my efforts to resolve these issues. 

XXXX Disputes : On XX/XX/2023, I mailed my initial dispute to XXXX, and it was successfully delivered on XX/XX/2023. 
On XX/XX/2023, I sent a follow-up dispute ( Round 2 ) to XXXX, which was received on XX/XX/2023. 
XXXX Disputes : On XX/XX/2023, I sent my first dispute to XXXX, and it was delivered on XX/XX/2023. 
On XX/XX/2023, I submitted a second dispute to XXXX, which was delivered on XX/XX/2023. 
Experian Disputes : On XX/XX/2023, I mailed my second dispute related to the XXXX XXXX account to Experian, and it was successfully delivered on XX/XX/2023. 
On XX/XX/2023, I sent another dispute ( Round 2 ) to Experian, which was received on XX/XX/2023. 
XXXX XXXX XXXX Dispute : On XX/XX/2023, I submitted a dispute regarding XXXX XXXX XXXX, and it was delivered on XX/XX/2023. 
In each of these disputes, I have consistently requested verifiable proof to substantiate the accuracy of the accounts in question. Specifically, I have sought either an original consumer contract with my wet signature or a certification from the creditors confirming the accuracy and completeness of the account information. 

Despite my persistent efforts, the responses I have received have not adequately addressed these concerns, and proper validation details have not been provided in accordance with the Fair Credit Reporting Act ( FCRA ). 

I kindly request your assistance in facilitating the resolution of these disputes, as they have adversely impacted my credit standing and financial well-being. I believe that my diligent efforts, supported by delivery confirmations, demonstrate my commitment to addressing these issues. 

I understand that you may require additional personal information to assist in forwarding my complaints to the relevant companies, and I am prepared to provide such information as needed in compliance with your guidelines. 

Thank you for your attention to this matter, and I look forward to your guidance and support in resolving these credit reporting disputes effectively. 

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

On or about XXXX XXXX, XXXX, I tried, on line, to open a joint savings account with XXXX XXXX, a bank I have done business with for 21 years. XXXX rejected the new account based on " information contained in a credit report ''. They referenced XXXX, Experian and XXXX. 
There are no problems shown in the XXXX or Experian reports for my wife or I. 
I did not get a " notice of rejection '' from XXXX. 
My wife did get a " notice of rejection '' from XXXX. Because of this we got a report from XXXX, in my wifes name, they indicate no problems. 
Some where out there is a blemish on either my wife or myself and since no one will tell us what the problem is, we can not fix it. 
I have talk to two people at XXXX on seperate occasions, they both stated the rejection was because of information contained in a credit report.
Product: Vehicle loan or lease

Greetings, On XX/XX/2022 I brought a car from XXXX XXXX in XXXX XXXX NV. for XXXX Deal # XXXX stock number # XXXX I still don't have the car its been almost two years.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX XXXX
Product: Credit card

I opened a company credit card with Chase ( last XXXX digits, XXXX ) during XXXX with XXXX XXXX XXXX XXXXXXXX XXXX. I did not realize the card was a Pay-in-Full monthly card because the advertising on the brochures was misleading between the Pay-in-Full Monthly and the XXXX XXXX ( which allows you to carry a limited balance ). I ran a debt up to nearly ~ {$10000.00} and when I realized the card was a Pay-in-Full card, I called Chase and was told that I could arrange a payment plan and that the card wouldn't close. This occurred over multiple recorded conversations ( I can't pull the dates I called from my phone but this all occurred over the last several months ) There were open notes on my case. I was also misled by multiple representatives that told me conflicting information about the status of the card account and whether or not it would close. Ultimately, XXXX of the last reps I spoke to before they closed my account ( without my knowledge ) said the account would remain open and arranged a payment plan for me to have the card paid off in XXXX months or so. However, no one told me that the card would close after 100 days, I never received any notices in the mail ( and a representative told me this XXXX that I should've received them ) about the account closure. Not only that, but it was also reported to the credit bureaus and my credit went from XXXX to XXXX! This has been disastrous for my business and my personal financial credit as I've received reduced credit limits and been denied loans I would've otherwise been allotted. I have never had a late payment. If I knew the account was going to close or be reported to the bureaus I would've taken money out of retirement to pay it off. I have not received any reconciliation from Chase and basically I've been told there's nothing that can be done. I see multiple instances where Chase failed to notify me about the imminent closure of the card and they provided me with a false sense of security about my credit card status. Please help me get my financial wellbeing back on track.
Product: Credit reporting

I am a victim of identity theft. I did not do a online application for a XXXX XXXX credit card on XXXX. I already have a XXXX XXXX credit card. I called numerous times of the agent assures me that " IT WAS TAKEN OFF MY CREDIT REPORT '' Since XXXX I have called over 4 times and get the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been alerted by XXXX Credit Bureau that my XX/XX/XXXX payment to XXXX XXXX XXXX ( Number XXXX ) is showing 30 days late. I have thoroughly reviewed my accounts payment history and confirmed it with XXXX XXXX customer service representatives and it has never gone over 30 days late. I sent two letters to the company communicating that they are knowingly reporting incorrect information to the Credit Agencies.

Below is my payment history since XX/XX/XXXX. Please note that I was going through a personal financial matter at the time causing some of my payments to be returned by my bank, however, I made absolutely certain that all my payments are made on time and this is the only negative information on my credit report. 

1. XX/XX/XXXX payment of {$280.00} cleared my bank on XX/XX/XXXX. There was no delay.

2. XX/XX/XXXX payment of {$280.00} cleared my bank on XX/XX/XXXX. There was no delay.

3. XX/XX/XXXX payment of {$280.00} was returned unpaid by my bank on XX/XX/XXXX.

4. XX/XX/XXXX payment of {$280.00} was re-submitted and paid by my bank on XX/XX/XXXX.This is a 5 days delay from XX/XX/XXXX payment due date.

5. XX/XX/XXXX payment of {$280.00} was returned unpaid by my bank on XX/XX/XXXX.

6. XX/XX/XXXX payment of {$280.00} was made via phone and paid by my bank on XX/XX/XXXX. This is a 21 days delay from XX/XX/XXXX payment due date.

7. XX/XX/XXXX payment of {$280.00} was returned unpaid by my bank on XX/XX/XXXX.

8. XX/XX/XXXX payment of {$300.00} was made via phone and paid by my bank on XX/XX/XXXX. This is a 14 days delay from XX/XX/XXXX payment due date.

Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I was alerted that my credit score decreased due to 75 % credit card utilization that was reported from Bank of America in XX/XX/21. My statement date for this credit card is the XXXX of each month and was at a XXXX  balance on XX/XX/21. My credit report with XXXX  is showing the amount owed prior to me making the payment on XX/XX/21, this needs to be corrected immediately, this incorrect data has brought my score down 26 points on my XXXX  score and 10 points on my XXXX  score. I need this information updated with the XXXX  amount owed as shown on my statements from XX/XX/21.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX, I recently went to XXXX XXXX to see my credit score as the only thing i ever did was have car insurance. I come to find out someone somehow using my identity. There are accounts opened 100 % not authorized by me as I never had a credit card. My cousin recommended this site for the best course of action. On XX/XX/2020 I tried to call XXXX XXXX, XXXX XXXX, XXXX XXXX and explain to them this isn't me to try to find out what was going on and they said I have no proof. I have no idea who paid these bills how someone got these cards if maybe I'm being confused with a different person. Any help on this greatly appreciated. I had told them under the fair credit reporting act I had the right to know what was going on but they kept me giving me run around so I have these cards now filled with late fees and payments i do not owe and i did not authorize any of this. This is 1000000 % fraud. I am going to attach some files on here so you guys understand. Please help thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX ands I am submitting this CFPB complaint as a follow up to the previoue CFPB complaint I submitted on XX/XX/XXXX. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$92.00} XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX and I am including these items once again.
Product: Money transfer, virtual currency, or money service

Hello. 

I wanted to report the damage that was brought to me by the WISE payment platform. 

They decided to close my account overnight without any kind of explanation .... 

Appealing to non-existent and untrue violated policies. 

I had had the account for over 2 years. 

I was receiving payments from the most serious and verified payment processors on the market XXXX and XXXX. 

From none of which I never received a refund request. 

They keep saying that I violate their policies, even though mine is a simple business of consulting and selling do services. 

They have done me a huge damage because now I will have to stop my business as I can not receive payments. 

I hope you can help me. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent 3 or more dispute letters to EXPERIAN regarding inaccurate information on my credit report in regards to XXXX XXXX BANK. XX/XX/XXXX thru XX/XX/XXXX. Ive sent a method of verification letter on XX/XX/XXXX also. They never complied with request, they only sent a credit report showing verified. Credit report # XXXX was the last report I received from Experian. This report shows verified, however doesnt indicate who they verified this debt with. Ive tried to reach out to XXXX XXXX bank, however was advised account no longer being service by XXXX XXXX bank. I was given phone number XXXX. Ive tried calling that number, without success and, not sure who Im calling, because while waiting for someone to answer, the recording isnt clear. I have also reached out to XXXX XXXX XXXX, which on my Experian report indicates this account was sold to them. They advised they sent updated information to all 3 credit bureaus. XXXX   and XXXX deleted the account from My credit reports already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information regarding my consumer report. 

I have previously disputed alleged accounts for XXXX XXXX XXXX XXXX XXXX XXXX, and Department of Education however, Equifax alleges it performed an investigation and the items I disputed were verified as accurate. Pursuant to 15 USC 1681a ( e ), an investigative consumer report was to be completed upon my request however it was not. Furthermore, neither Equifax or any creditor possesses the power to verify that any information on my consumer report is factual information. Only I can, as I am the consumer. I am verifying that the following accounts are not factual and must be blocked and deleted from my consumer report : XXXX. XXXX XXXX. Department of Education XXXX. XXXX XXXX XXXX XXXX XXXX XXXXk XXXX. XXXX XXXX. 

Also the following inquires must be blocked and deleted as they are not accurate : XXXX. Equifax 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