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

Subject : Complaint Regarding Unlawful Collection Practices and Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau, XXXX, XXXX, & XXXX I am writing to formally notify you of an unlawful debt collection practice that has resulted in the placement of a collection account reporting under two different names for XXXX and XXXX : Jefferson Capital Sys ( original creditorXXXX XXXX  ) Account # XXXX & Jefferson Capital Systems Account XXXX XXXX on my credit report. Jefferson Capital Systems is responsible for this erroneous entry, being they are not licensed to collect debts in the State of Florida, as verified through the XXXX XXXX XXXX database. The collection account they have furnished on my credit report is not only inaccurate but also violates several provisions of the Fair Credit Reporting Act ( FCRA ) and other laws related to debt collection. 

Here are the specific issues I would like to bring to your attention : 1.Unlicensed Debt Collection : The collection agency that placed this collection on my credit report does not have the proper licensing to collect debts in the State of Florida. I have verified this information through the XXXX XXXX XXXX website, and attached documents which shows that they are not registered to operate as a debt collector in Florida. This violation of licensing requirements is not only a breach of state laws but also raises serious questions about the legitimacy of their activities. 
2.Furnishing Inaccurate Information : The collection account that has been placed on my credit report is not mine. By furnishing this inaccurate information to the credit reporting agencies, the debt collector has violated the FCRA. The FCRA requires data furnishers to ensure the accuracy and completeness of the information they report. Given that this debt collector is not licensed to operate in Florida, their entire basis for reporting this debt is questionable. 
Impact on My Credit and Personal Finances : This erroneous collection account has had a significant negative impact on my credit score, affecting my ability to obtain credit, loans, or housing. The damage caused by this false information is severe, and I am seeking immediate corrective action and expeditious removal. 
3.Legal Ramifications : If this collection account is not removed expeditiously, I will explore all legal remedies available to me, including but not limited to filing a lawsuit for violations of the FCRA and state debt collection laws. The actions of this unlicensed debt collector are not only illegal but also damaging to my financial well-being. Given the gravity o
f these violations, I request that the CFPB, XXXX, XXXX, and XXXX investigate this matter and take appropriate enforcement action. Additionally, I demand that the collection account be removed from my credit report immediately. I would appreciate any guidance or assistance the CFPB can provide to ensure that this issue is resolved quickly and fairly. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

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

I hope this message reaches you promptly. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and financial hardship. 

I have diligently reported this matter on multiple occasions, with the initial complaint lodged. Regrettably, each attempt to resolve this issue has been unsuccessful, and the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in your services. 
I urgently request the following actions be taken : Conduct a comprehensive review and investigation into the origins and nature of the fraudulent activities. Ensure an exhaustive and effective attempt to promptly remove all fraudulent items and transactions associated with my account. 

Improve communication channels to keep me regularly informed about the progress made, providing transparent updates on the ongoing investigation and efforts to resolve this issue. 

Implement additional preventive measures on my account to mitigate the risk of future unauthorized access or activities. 

Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in your services. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX { XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) }, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have subscription accounts with both Transunion and XXXX Credit Bureaus ( CB ). XXXX CB keep sending me invitations to purchase a subscription from them, but I reason that 2 subscriptions to 2 credit bureaus are enough. Interestingly, all 3 CBs are leaving the status of the following school loan accounts the same, for example : 1. XXXX XXXX XXXX XXXX XXXX, PA XXXX. XXXX XXXX {$47000.00}, Date Opened : XX/XX/XXXX : Account number XXXX. 
2. XXXX XXXX Account # : XXXX | XXXX XXXX Date opened : XX/XX/XXXX for {$60000.00} 3. XXXX {$83.00}, XXXX. ( was {$26.00}, XXXX ) Date Opened : XX/XX/XXXX. XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX || ( XXXX ) XXXX 4. XXXX {$100000.00} ( was {$33.00}, XXXX ) Date Opened : XX/XX/XXXX. XXXX XXXX A/c # : XXXX 5. XXXX {$79000.00} ( was {$25000.00} ) Date Opened XX/XX/XXXX. XXXX XXXX A/c # : XXXX 6. XXXX {$16000.00} ( was {$5300.00} ) Date Opened XX/XX/XXXX. XXXX XXXX A/c # : XXXX I was granted a full deferral on all of these loans ( see attachments ). I was sued by these companies, all lawsuits were dismissed since I am still XXXX XXXX One judge even had me forward a copy of the statutory Federal law on deferment to the lawyers who represented these companies ( See attachments ). The problem is simple, all 3 CBs keep reporting these school loans as Charge-offs or closed accounts. Interestingly, XXXX has added the XXXX account to my regular installment accounts and jacked up the total on my installment accounts from {$2200.00} to $ XXXX -- -erroneously reporting that I am making monthly payments to XXXX XXXX Transunion & XXXX shows a similar pattern, that being, failure to show these accounts as being deferred.
Product: Credit card

My wife held and qualified for the XXXX Bonus Miles offered with the Southwest Airlines Rapid Rewards Visa Card offered through Chase Bank. As required she spent the {$2000.00} within the first 90 days. The terms and conditions state that the " bonus miles will post after fulfillment of the requirement. My wife closed the credit card account prior to the miles posting but after " fulfilling '' the terms and conditions. The terms and conditions do not stipulate that the miles are forfeited if the card is closed prior to the posting. Furthermore, my wife was never informed of this over the phone at the time that she closed the account. Chase insist that they would have so informed my wife -- they did not. My wife holds XXXX college degrees including XXXX graduate degrees and is a highly paid professional. What are the chances that she would would have closed the account with a XXXX balance and forfeited the miles had she known? As stated, such information is NOT in their terms and conditions. The so called " Customer Service Specialist '' at Chase stated that the forfeiture information was in the letter that she received AFTER she closed the account. Little late then
Product: Checking or savings account

This will be the second time I will be filing a complaint with CFPB on the same issue with the same company Citibank, I hope they take it seriously this time. 

My checking account was put on pending closure on XX/XX/XXXX without my consent, I called to better understand what was going on when i wasn't able to use my account. I had a balance for {$4400.00} at that time, and I was advised to wait 30-60 days for the account closure review to be done, and that i will be receiving a letter from the bank, with a check for the funds remaining on the account. I chatted with a rep on the mobile banking app on the XXXX of XX/XX/XXXX, for details on the status of the refund and letter, he said, and I quote " I can see here a check was issued on the XX/XX/XXXX '' and that I have to wait 10-15 days .... So after several days I called again to get the status, and the rep i spoke to suddenly told me I won't be receiving a check because i have no funds that belong to me! Contradicting what the previous rep had told me. Now, I asked her to explain in details, and she refused. I asked about the letter i was supposed to receive, and she kept dodging the question. I told her I remember correctly the last credit that was made in my account from a buyer on XXXX for a wrist watch purchase, in the amount of {$8100.00}, which a {$15.00} incoming wire fee was debited from my account by Citibank, after they had verified the transfer. I even waited until they had verified, posted the balance, and charged the wire fee, before i shipped the item. I just want Citibank to be completely honest with me on this matter, and tell me whether or not I was a victim of fraud. They need to do everything possible to get my insured money back to me, or I will be forced to go to claims courts if i don't get a proper response this time. I will very much like to walk into a branch and settle the mater, but unfortunately Citibank doesn't have one single branch in XXXX Texas! I don't even think they have any in Texas! Ridiculous
Product: Credit reporting or other personal consumer reports

On Trans Union a Mortgage account has uploaded and a XXXX XXXX balance has been updated. The issue is that Trans Union has decreased by -45 points! I don't understand whats the matter here, the XXXX XXXX account have decreased by - {$500.00} thats not supposed to decrease my score and the Mortgage has been reduced by 1 %. Instead on XXXX the mortgage is in and it only took off -5 points. Im having this problem constantly, with Trans Union taking downgrading my scores extremely for no reason.
Product: Credit card

I am filing this complaint because I am appalled with Citi 's decision that there is insufficient information to support my claim for a partial refund of {$810.00}, which XXXX promised multiple times and ultimately refused to give me. 

On XX/XX/XXXX, I noticed a pricing discrepancy for XXXX XXXX XXXX XXXX on XXXX. Despite the listing showing {$130.00} per tire, the actual price increased to {$340.00} when I attempted to purchase. I contacted XXXX customer service, and after a detailed discussion, they instructed me to purchase the tires at the higher price with a promise of a partial refund. They confirmed the refund of {$810.00} several times in communications, including with their managers, but never processed it despite repeated follow-ups. I provided extensive evidence, including screenshots and confirmation emails. See attached docx file for a detailed timeline and screenshots of emails and chat transcripts with XXXX. 

When XXXX ultimately refused the refund, I initiated a dispute with Citi, confident that the overwhelming documentation supported my claim. I am deeply disappointed that Citi sided with XXXX, claiming insufficient evidence, despite the extensive proof I submitted. I respectfully request that the CFPB review this case and help rectify this unfair situation. Citi case ID = XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out an auto loan with XXXX XXXX in XXXX. There was a civil matter between myself and XXXX that started in XXXX. I believed I had satisfied the loan back then and unbeknownst to me at the time, apparently XXXX did not. As time went by, I realized that XXXX was reporting the loan account as a " charged off '' account. I tried to work with XXXX years ago to have them report the account as satisfied but nothing was resolved. I also tried to dispute the account accuracy with the credit bureaus with no luck as XXXX was not reporting accurately to them. 

After becoming completely XXXX and suffering a XXXX a few years ago I just let it go for awhile. Now, it is over 7 years since this account was closed and I just wanted it deleted from my credit report. The past couple years the account was not even being reported at all to the credit bureaus by XXXX. 

So just recently I disputed it with Trans Union stating it was an old account that should be deleted. When I got the " investigation '' result, Trans Union said that XXXX told them it was a current open account that was a charge off and because of this my score dropped XXXX points! What!!!! My score drops XXXX points because of a dispute and unlawful inaccurate reporting by XXXX to the bureaus?? By legal definition a charged off account is a closed account and XXXX hadn't even reported anything to the bureaus for a couple years and now as I dispute it to get it deleted, XXXX says it's open???? And a charge off at the same time???? On an account that has been closed for over 7 years???? 

Can you please help me correct this unfortunate situation and make XXXX follow the law with accurate reporting and helping me get this old account deleted from the credit bureaus. Thank you so much for your assistance in this matter. 

By the way, I also included Trans Union in the complaint but their hands have been tied because of the unlawful and inaccurate reporting to them by XXXX. They are just doing their job so I have no issue with them. I just needed to include them so You would understand the situation and how it's reflecting my credit score.
Product: Money transfer, virtual currency, or money service

Wise says the transaction is canceled but it isnt both canceled in XXXX and XXXX but its active and theyre borrowing time. Ive called them over a dozen times and they say the same thing and have no idea what theyre talking about. XXXX XXXX to USD transfer
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX, XXXX, IL, XXXX Date of Dispute : XX/XX/2020 Time of Dispute : XXXX XXXX Estimated Date of Completion : XX/XX/2020 DISPUTE SUMMARY Below is a summary of the items you have chosen to dispute. 

XXXX XXXX # Name : XXXX XXXX My Name is not correct. Please update. 
Other Names : XXXX XXXX XXXX This is not my former name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to the Credit Bureau trying to remove inaccurate information from my credit report. My goal is to purchase a home but I am being held back because all three of the Credit Bureaus are violating my rights as a consumer. I sent letters on XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have sent the last set of letters certified, and after multiple requests for re-investigations I know that 30 day rule is out of the window. This has been a HUGE inconvenience for me, and I want this matter solved ASAP. There are several items on my credit report that are reporting inaccurately and they should be removed. 

XXXX, XXXX, and Experian have yet to send ANY correspondence for my requests and completely ignored every letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax failed to address the letter sent by XXXX XXXX, XXXX XXXX, Office of the Chairman, stating that the bank misplaced my documentation for more than six mos. Thus, delaying the closing of the sale on the property and damaging my credit score greatly, denying my ability to obtain credit. 
The matter was not resolved. The money was repaid in full. 
The credit bureau failed to remove derogatory remarks as requested. 
The credit bureaus failed to address the issue and resolve the dispute as it should based on information provided by XXXX XXXX  and the consumer. 
I demand that the derogatory remarks be removed no later than XX/XX/2019.
Product: Credit reporting or other personal consumer reports

There are addresses on my credit report that are nonmailable addresses. There should be only one correct addresses as listed below to be listed in credit report. Also where did Experian Agency get the information reported because this would be a violation of The Privacy Act of 1974, ( as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. )
Product: Money transfer, virtual currency, or money service

The support team only sent me this : Hi, Thanks for contacting us and being a valued Trust Wallet user. 
We appreciate your patience, as we address an exceptionally large volume of requests which has contributed to longer response times. 

For most common issues, explanations and answers can be found in our online guides : Sending cryptocurrencies ( incl. network/gas fees, memos, etc. ) Missing funds Show/hide a coins and tokens on homescreen ( potentially relevant for inbound transactions not showing up ) Receiving crypto ( incl. whats my address? address invalid, etc. ) Transaction not received Lost phrase ( Restore a Multi-Coin Wallet ) Report Scams Liquidity Mining Scams Issues with crypto purchases Swap coins- Dex Guide UTXO / Dust Balance errors ( unable to send BTC ) guide Trust Wallet FAQs and Troubleshooter ( unsure, or other issues ) If you have further questions, please reply to this email with a detailed description of your issue including any relevant screenshots, addresses, transaction hash ( es ), etc. and our team will get back to you as soon as they can. 

I have sent numerous screenshots and proof of my stake and the never ending change of the UNSTAKE date. I staked these coins early XXXX.
Product: Credit reporting or other personal consumer reports

My personal information was involved in a country wide data breach and the credit reporting agencies have failed to respond to my disputes properly and in a timely manner
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease XXXX Bank Statements XXXX XXXX Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX
Product: Mortgage

I made complaint # XXXX in XXXX and have not heard from CFPB except to tell me my complaint has been sent to the institution that denied my financing of my home for fraudulent reasons. This is unacceptable service : 2-months. Please look into my problem and help me resolve the issue. Your Agency isn't doing a very good job.
Product: Vehicle loan or lease

I would like to complain about the misleading information in my credit report and I was totally surprised when I saw MERCEDES BENZ FINANCIAL that has a balance of {$39000.00} opened on XXXX XXXX that is reported on my credit file. I don't have an idea why I got this account on my credit file since I'm not the one who open this account and this is not belong to me. NOT MINE! I already filed a dispute to each credit bureaus and filed an FTC affidavit please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX {$17000.00}