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

I would like this invalid account deleted from my credit report immediately. I am writing to file a formal complaint against XXXX, XXXX, and Jefferson Capital System regarding their blatant disregard for my consumer rights in connection with a debt collection account that is erroneously reporting on my credit report. I have taken all necessary steps to rectify this situation, yet I have been met with inaction, lack of communication, and a complete disregard for the regulations set forth in the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I sent certified letters to XXXX, XXXX, and Jefferson Capital System, respectively, notifying them of a debt collection account that I believe is invalid and should not be reporting on my credit report. The purpose of these letters was to formally request documentation to verify and validate the accuracy of the debt, as well as to initiate an investigation into the matter as outlined by the FCRA. I have meticulously followed all procedures and ensured that each letter was delivered within the stipulated timeframe. 

The certified letters were delivered and received by XXXX, XXXX, and Jefferson Capital System on or before XX/XX/2023. The tracking numbers for each delivery are as follows : XXXX : XXXX XXXX : XXXX Jefferson Capital System : XXXX I urge you to verify the delivery of these letters by visiting XXXX  using the provided tracking numbers. Despite the undeniable receipt of my correspondence, I have yet to receive any documentation from Jefferson Capital System regarding the validity of the debt in question. Moreover, I have not been informed of any investigation results from either XXXX or XXXX within the mandated 30-day period.

This situation not only undermines my consumer rights but also tarnishes my creditworthiness unfairly. I have taken the necessary steps to address a concerning discrepancy on my credit report, and the lack of response and cooperation is very frustrating. The disregard for my rights as a consumer is troubling and goes against the very principles that the FCRA aims to uphold. 

I implore the Consumer Financial Protection Bureau to take swift action in this matter. XXXX, XXXX, and Jefferson Capital System must be held accountable for their failure to adhere to the FCRA regulations and for their evident negligence in responding to my inquiries. I request that this account be immediately removed from my credit report.
Product: Credit card

XX/XX/year>, XX/XX/year> my card wasnt in my possession and I have fraudulent charges.
Product: Credit reporting or other personal consumer reports

The statute of limitations to report an account on a credit report is 6 years. This account XXXX XXXX XXXX is past the statute of limitations and needs to be removed immediately. The account was allegedly opened in XXXX of XXXX  which would now put it past the statute of limitations for appearing on my credit report.
Product: Credit reporting or other personal consumer reports

I have recently discovered that incorrect information remains on my credit report, despite prior disputes. The information in question has been verified as accurate by XXXX, Experian, and XXXX, but I have attached evidence that clearly proves it is not. This continued reporting of false information violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically section 609, which ensures the right to correct inaccurate information. 

The attached documentation demonstrates that the information reported is invalid and does not reflect my true credit history. I am formally requesting that this incorrect information be removed from my credit report immediately. Failure to correct these errors is negatively impacting my financial standing and violates federal law.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' No financial Institutions, or Consumer reporting agencies Equifax, XXXX and XXXX, do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Equifax, XXXX and XXXX, have never informed me of my right to exercise my nondisclosure option. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below account is listed on my credit report as a collection and it doesnt belong to me. 

The account info below XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX Amount {$1600.00}
Product: Debt collection

Collection Agency CREDIT & COLLECTIONS SERVI Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1000.00} Amount {$1000.00} Status Date XX/XX/XXXX Status UNPAID Comments IP Balance Date XX/XX/XXXX Account Designator Code XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Contact CREDIT & COLLECTIONS SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AL XXXX XXXX Date Reported : XX/XX/XXXX Date Reported : XX/XX/XXXX Collection Agency CREDIT & COLLECTIONS SERVI XXXX XXXX Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$620.00} Amount {$620.00} Status Date XX/XX/XXXX Status UNPAID Comments XXXX Balance Date XX/XX/XXXX Account Designator Code XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Contact CREDIT & COLLECTIONS SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX
Product: Vehicle loan or lease

In XXXX I leased a brand new car. I was not 100 % speaking of the English language when the XXXX dealership took advantage of my situation. I was charged way more than the cars value. Promised gap insurance, and even regular insurance. After getting in an accident, I later found out they allowed me to DRIVE OFF THE LOT uninsured with no insurance and when I later called, I also had NO gap insurance. I have contacted XXXX several times - keep in mind we are in XXXX - ALMOST XXXX - no response and keep getting escalated to not avail. I have tried over and over contacting the dealer they hang up or say they will get back. I pay {$700.00} a month for a XXXX  inoperable ( not at fault ) vehicle. They can repo. But before hand XXXX be in touch with an attorney as its illegal driving off the lot with no insurance. The staff do not care or even bother once the car is sold. Sad case do NOT recommend
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Product: Bank account or service

Hi, I opened a Citibank credit card early this year at the same time as my husband. We XXXX have Citibank XXXX XXXX credit cards and received and offer that if we open a checking account and did certain things ( e.g. pay bills with the checking account ) that we would receive XXXX XXXX XXXX miles. I completed these actions and then they said that the offer was n't found on my account. My husband completed the actions on his account and got the XXXX airline miles. They opened an investigation and after a long time said they would n't give me the miles. Meanwhile they were charging me $ XXXX/month because I did n't have {$50000.00} in the account. They refunded some but not all of the fees but refused to give me the miles so I closed the account.
Product: Money transfer, virtual currency, or money service

We wired money to Crypto.com via XXXX XXXX XXXX  in XXXX. The transfer was undeliverable due to an error ( that we made ). Assured the wire would reject and bounce back as there was not a legitimate account for the money to be deposited we had done all we could do. After 12 days Crypto.com is still holding the funds. Countless email conversations with their robotic customer service team nothing has been resolved. The amount of the transfer was {$13000.00}. It is impossible to actually speak via telephone with anyone with Crypto.com. Is there an actual time period in which any entity can hold funds until it becomes a crime? They have admitted that the money is rightfully ours and will be returned at some point. They have refused requests to get management or any administrative person involved. A company of this caliber should have some reasonable means to communicate with customers. This is totally unacceptable. At this point legal action will be taken. 
Reaching out to the general customer service email or chat will not prove fruitful. CFPB will need another method of contact for any action to be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I called XXXX XXXX Loans to inquire about the option to refinance. The loan had recently been sold to them from another mortgage company. The lady on the phone asked what my reasoning for wanting to refinance and I told her to lower the interest and payment. She said that there were options available and directed me not to pay the next few payments in order to be put in the program to lower my rate and payment. I was lead to believe that I was going to be going through a refinance. Starting in XX/XX/XXXX I was instructed to pay a lower payment amount for 3 months and then they would finalize the payments and interest. They had put me into a forbearance and loan modification. When I called and asked what this meant they said this was the only way to get the lower interest like a refinance. I had no idea I was not getting a refinance. I paid the payment for 3 months and they extended it for another 3 months through XXXX. Then they said they were going to finalize everything and not to pay XX/XX/XXXX. In XXXX I found out my house was in the paper as being auctioned off on XX/XX/XXXX. I called and they said I had not made a payment since XX/XX/XXXX and my house was being foreclosed on. I paid almost {$13000.00} to have my loan reinstated and have been fighting this issue with them since XX/XX/XXXX. They finally reported that my loan status was ok for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX but they will not budge on the other months. I was told by them and followed instruction by XXXX XXXX Loans to not pay for those months. I had never missed a payment with the other mortgage company or with them prior. This is predatory lending and they coerced me into a loan modification under the guise of a refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX.

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve.

Waiting for your reply.

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

I pulled my credit report and I noticed 2 separate accounts attached to a name that doesn't belong to me at all. Both companies have wrong personal information SSN, and Addresses. I have no idea how this information has crossed over, nor do understand this identity theft stuff, but I know the accounts below do not have any association to me whatsoever. According to FCRA I have the right to dispute all fraudulent items on my credit report. I am requesting that these accounts are deleted : XXXX XXXX and XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXXXXXX XXXX XXXX XXXXXXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX
Product: Credit reporting or other personal consumer reports

these hard inquiries and account dont belong to me, hasnt being authorized by me and has to be removed. Also this is well. Thanks. Hard Inquiries : XXXX XXXX, XXXX XXXX XX/XX/2024, XXXX XXXX XXXX CO XX/XX/2024 .

Accounts Numbers : XXXX FIN - XXXX XXXX MTR - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax never informed me that there was a security breach with my account when they had that huge breach. I have filed several fraud reports with all the companies and yet they did failed to inform me or even try to help me fix my credit.
Product: Credit reporting or other personal consumer reports

I disputed with XXXX multiple times to correct my accounts showing negatively on my credit report when I have documentation showing that payments have been made through a consolidation program. These inaccuracies have harshly, negatively impacted my credit standing. 
Still till this day corrections have not been made although they have said they reviewed? I have not been provided verifiable documentation stating this? 

Accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all been settled and paid and closed.
Product: Student loan

Here 's the revised version : My private student loan was transferred from XXXX XXXX XXXX XXXX to Firstmark on XX/XX/XXXX. Because they were a division of Nelnet, I had unintentionally mixed up Firstmark with my federal student loans with Nelnet. This confusion persisted until I was contacted by Firstmark and informed that I was behind on my payments. On XX/XX/XXXX, I explained the confusion to Firstmark and was advised that I could enter forbearance to catch up, with a slight increase in my payment from approximately {$140.00} to about {$150.00}. I agreed to these terms and entered forbearance.

Upon exiting forbearance and returning to regular payments on XX/XX/XXXX, I was shocked to find that my monthly payments had doubled to {$290.00}. I did not receive any notice or warning of this significant increase. When I contacted Firstmark on XX/XX/XXXX or XXXX to inquire about the sudden rise in payments, I was informed that Firstmark would investigate and provide me with information as soon as possible regarding the {$6000.00} increase in my loan amount and the doubling of my monthly payments. 

After waiting XXXX weeks without receiving a response, I contacted Firstmark for an update on XX/XX/XXXX. The representative I spoke with could not definitively explain why my loan had increased. When I asked about options for lowering my payments, I was advised to refinance with a third party or another lender. I expressed my dissatisfaction with this suggestion and, feeling defeated, mentioned that Firstmark 's website had a banner at the top informing me of forbearance assistance available due to Maine 's recent natural flooding disaster. I requested to apply for this forbearance, which was processed. However, a few days later, I received a letter in the mail stating that my forbearance request had been denied for reasons that were not provided in the letter ( attached ).

Thank you for your time and assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

Subject : Formal Violation of 15 U.S. Code 1681o Dear To Whom it May Concern I am writing to formally dispute a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, regarding negligent noncompliance. I recently reviewed my credit report and found that an incorrect account. Also failure to investigate a previous dispute According to the FCRA, consumer reporting agencies and furnishers of credit information are required to maintain accurate information and conduct proper investigations when disputes arise. Your failure to adhere to these requirements has caused me such emotional distress, or credit score impact To resolve this matter, I formally request that you Remove inaccurate information immediately from my credit file.

I expect a response within 30 days, as required by the FCRA. If this matter is not resolved, I may take further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing civil litigation.

Please send all correspondence regarding this matter to the address listed on file If you require any additional information to facilitate your investigation, please let me know in writing. 

Sincerely, Would you like to add any specific details, such as the name of the credit bureau or company you're disputing? 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being " reported correctly? Who verified these accounts? You have NOT provided me a copy ofANY original documentation ( a consumer contract with my signature on it ) as requiredunder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful noncomplying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates XXXX
Product: Debt collection

I am a victim of Identity Theft, someone fraudulently opened the following account in my name : BARCLAY 'S BANK DELAWARE # XXXX OPENED : XX/XX/2015 AMOUNT. {$750000.00} I HAVE ENCLOSED MY POLICE REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, My name is XXXX XXXX and I depend on my credit to survive as a XXXX XXXX. I had two cases of accounts under collection which were removed from my credit. One was a timeshare that. my ex. had acquired while we were dating and he stopped paying. The company does not want to remove me of the contract. My ex stopped paying the monthly payments and I was unaware. After I was trying to get a credit card to lower my interest rates this collection came on as a real estate collection and my card got denied putting more negative on my credit. I disputed the account and my ex caught up with the payments but the info has not been removed from my report completely. The second thing was a school balance. I wanted to further my education and decided to go to school and was offered a grant. The grant got approved then for some reason the school requested my tax transcripts which I couldnt provide and still to this date I have not been able to get the IRS to process my taxes to get the transcripts and show the school. In the meantime the school required full payment and put the balance under collections. This year has been really hard for me as a result of all this going on. Other than those 2 thing I have not had any late payments, liens, bankruptcy, or anything and my utilization is at 40 %. I also had a lot of inquiries from a time I was leasing a car and the dealer ran my credit like 12 times which I didn't authorized. Because of these thing my credit is the lowest I have ever seen it at XXXX with XXXX and XXXX. If I get a review of my credit I could loose my license which is my livelihood and I certainly can not buy a home because of the unfair score! I need these companies to erase the inquiries from 2018 and I can not do that online as they do not have options for that and I need them to rescore. I don't think my score is fair given my perfect payment history, utilization and clear report.
Product: Money transfer, virtual currency, or money service

Coinbase refuses to return my XXXX crypto currency that remains under the key it controls. Coinbase refuses to return my crypto, which is an XXXX XXXX. In XXXX, 2021, I withdrew my XXXX  token from XXXX and sent it to Coinbase 's XXXX Tether address. Coinbase does not have an XXXX address, which means they should send it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX recently added two collection accounts to my credit report for the same bill from XX/XX/2015. Not only is it too old to be on my credit, but they ha e it listed twice. It is listed with XXXX XXXXXXXX XXXX XXXXXXXX for {$13000.00} and also with XXXX XXXX, XXXX for {$13000.00}. This caused my credit score to drop by nearly XXXX points. So not only is it too old and listed twice, they don't even have the same amounts reported. I am extremely sick and on XXXX, and heavily really on my credit to help my son, who has XXXX, survive. This company proved to have numerous unethical business practices, and scammed me into buying a car that broke down after less than a week. They could see that I was weak, in pain, and XXXX and preyed on that weakness.