23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute the debt being collected by Jefferson Capital Systems on behalf of XXXX. The amount they are requesting does not reflect the actual balance owed on my account with XXXX. 

I have reviewed my final bill from XXXX, and the amount being pursued by Jefferson Capital Systems significantly exceeds what was owed at the time of account closure. This discrepancy has caused unnecessary confusion and has led to repeated and unwarranted collection attempts by Jefferson Capital Systems. 

Despite my efforts to communicate with Jefferson Capital Systems to resolve this issue, they have failed to provide adequate proof of the debt or to acknowledge the correct balance. Their actions, including frequent calls and notices, have been both invasive and distressing, especially since the amount they are trying to collect is inaccurate. 

I kindly request that XXXX review this matter and communicate the correct balance to Jefferson Capital Systems so that they cease their collection efforts. It is also my request that this erroneous debt not be reported to any credit bureaus, as it would negatively impact my credit score for a debt that I do not owe. 

Please provide a prompt resolution to this issue by ensuring that Jefferson Capital Systems is informed of the correct amount owed and by confirming that no further collection activity will take place. I am prepared to provide copies of my billing statements and any other necessary documentation to support my claim. 

Thank you for your attention to this matter. I look forward to your swift response and resolution. 

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

I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. [ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

-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 A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. 


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

I've had this credit card account ( XXXX XXXX ) with Comenity since XX/XX/2022. I've been using it and paying on time. They have not yet reported this account or my activity to the XXXX credit reporting agencies. This is effecting my utilization and payment history negatively. They said it was due to their system problems. I opened a dispute with them on XX/XX/2022 and got a confirmation from them. They said they would have it resolved in XXXX  days. I reached out after 30 days and they are not responding. I need my activity reported. I've also requested a credit line increase and haven't heard anything from that. They are not fulfilling what I feel are requirements under the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$280.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$1500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$590.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$550.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$500.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX
Product: Debt collection

Calling XXXX Times a DAY between XXXX and XXXX, for the last XXXX weeks. I am only XXXX weeks behind on the rest of my payment of just over {$70.00} ( I paid most of it on time but did n't have enough on hand to cover it all ) This is awful, distracting, I 'm unable to focus on my work and what 's worse is that it 's automated so it fills my voicemail with the same message!
Product: Debt collection

I send a debt validation to the creditors and requested debt verification with my signature and they dont send the correct validation and verification
Product: Credit reporting or other personal consumer reports

I hereby attest that I am a victim of debt bondage. I am providing this statement to certify that my account, has been involved in legal litigation. The balance of this account was resolved and fully paid through my insurance provider, as per the terms of the litigation and insurance settlement. 

I attest under penalty of perjury that my engagement in this account was not by choice but through coercion or under duress, resulting in an inability to exit this financial obligation without intervention. I confirm that my involvement in this financial relationship was involuntary and fits the criteria of debt bondage. 

This statement is true and accurate to the best of my knowledge and belief.
Product: Checking or savings account

I opened a new account on XX/XX/2019, after paying off a previously owed balance. Suddenly around the beginning of XX/XX/XXXX I was told by customer service that my account was on hold and to contact my branch. I contacted them and they said my account was scheduled to be closed but they had no date. I have not received any correspondence regarding this. I currently have over XXXX on hold and they will not allow me to access my money and I keep getting the the runaround. The branch says its out of their hands but customer service keeps saying I need to contact the branch. No one has helped me and they claim that there is no way to contact the department that is supposed to be closing my account. They just say I just need to wait but I need my money. It has almost been over a month and I have not had any access to my own money.
Product: Credit reporting or other personal consumer reports

15 USC 6508 I have the right to opt out and that they have reported information and transactional history to eXXXX XXXX XXXX XXXX XXXX Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802. Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government. 17cfr 424 all inquiries must be removed. Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. Im now opting out any and all authroizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802
Product: Debt collection

I am filing this complaint regarding a fraudulent wage garnishment initiated by Andreu , Palma , Lavin & Solis , PLLC, on behalf of XXXX XXXX I, XXXX, under Case No. XXXX in XXXX XXXX XXXX Florida XXXX 

The garnishment is based on an identity theft-related debt that I am not legally responsible for. On XX/XX/year>, I filed an FTC Identity Theft Report ( # XXXX ) and disputed this fraudulent debt with the major credit bureaus ( XXXX, XXXX, and XXXX ). As a result of my dispute, the credit bureaus removed the fraudulent account from my credit report. 

Despite this, XXXX XXXX I, XXXX wrongfully obtained a garnishment order against my wages without verifying the validity of the debt. This violates the Fair Credit Reporting Act ( XXXX  ) and the Fair Debt Collection Practices Act ( XXXX  ) because : The debt was already confirmed fraudulent and removed from my credit file. 
The garnishment is causing financial hardship, even though I do not legally owe this debt. 
I was never properly notified of the judgment, denying me my right to dispute it before enforcement. 
I filed a Claim of Exemption with the XXXX XXXX XXXX XXXX XXXX the garnishment. However, despite multiple phone calls, Andreu , Palma , Lavin & Solis , PLLC has refused to provide any written confirmation that the garnishment will be withdrawn. Instead, they have stalled the process, claiming an ongoing " investigation, '' while my wages continue to be garnished unfairly.
Product: Credit card

On XX/XX/24, I received a letter from US Bank dated XX/XX/24 stating they'd elected to close my credit card account effective immediately and that all reward points were forfeited upon closure. The points amounted to about XXXX points, or roughly {$1400.00} in value from a recent sign up bonus and spend, that were instantly lost without reconciliation citing its alleged terms all while incapable of identifying an issue signaling the justification for its closure. Further, the {$400.00} annual fee that was paid upon opening in the XXXX wasn't returned, and this is a theft of well over {$1500.00} in value. That I even need to waste my time advocating that their criminality be reversed is abhorrent and abusive behavior.
Product: Checking or savings account

On XX/XX/XXXX I deposited a large check and was told it would be held 5 days I asked why they said its policy I said well you just hold it till it clears right she said no 5 business days what gives a bank the right to hold funds from me that have cleared this is obscene in a constitutional democracy I understand holding it till it clears but banks use privilege given to them by the federal reserve to punish and discriminate the fact is with todays technology the banks receive the funds almost immediately to hold your money after they have received the funds is and should be criminal
Product: Money transfer, virtual currency, or money service

I sent {$50.00} to my brother in the XXXX via Western union App, the money was charged to my XXXX XXXX XXXX account right away. Few days later, my brother contacted me that the generated Money Transfer Control Number I gave him was not successful to receive the money. I called Western union to check the transfer status, talking to one of the Western union representatives, I was told that the transfer was cancelled by Western union and the representative said she didnt know the reason. Why it was cancelled and told that my refund would be available to me in seven days. I did receive my refund after seven days Thinking that the App that I used to send money was the problem, I went into Western Union agent to do the transaction at XXXX XXXX Store at XXXX XXXX XXXX XXXX, XXXX, NH XXXX. 
I completed the transaction with Money Transfer Control Number XXXX and I was told it would be available for pick up in XXXX in few minutes. 

Again, my brother tried to receive the money in the XXXX with MTCN XXXX and he was told the number was not good. This happened after four days, I sent the money. I called Western union again, and the representative told me that Western Union had cancelled the transfer. I asked him why I was not informed and his response was " I don't know I also asked the representative why the transfer was cancelled? He told me that the reason was not available to him to tell me. 

Western Union could have refused my transfer at the time of transaction but they not only refused to inform me of the cancellation of my transfer, they also refused to tell me the reason my transfer was not honored.
Product: Vehicle loan or lease

I paid this account off through XXXX XXXX and it is still not updated as paid. I am in the process of purchasing a home and this is holding me back form getting approved. I have called several times and no one has been helpful in getting this resolved.
Product: Credit reporting or other personal consumer reports

Since mid XX/XX/2023 I have been trying to access my Equifax credit report. I have tried multiple sites and options to access and each time i receive an error that it is not able to be accessed. I have spoken with Equifax now on multiple occasions and each time they claim they are escalating the situation and someone would reach out to me but no one has. Each time I call back the new representative is trying to get me to repeat the same trouble shooting steps that have yet to work to this point. The reps either do no listen to what is being stated to them or can not comprehend the issue at hand and I have gotten now where with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I requested validation of an item on my credit report. It came back as verified and I never received any proof of such validation. I requested again XX/XX/2021 and have not received a response from XXXX  nor Wells Fargo in regards to the incorrect item on my report. According to 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they had in their file to verify the information. They have continuously failed to provide such instruments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NEW information in regards to a previous complaint. EXPERIAN continues to break the law and violate my rights as a federally protected consumer under 15 USC Chapter 41. EXPERIAN furnished an account on my credit report that I did not give them written consent to do violating 15 USC 1681b ( 2 ) - this account is also fraudulent. I sent an Affidavit of Truth and attached a XXXX Identity Theft Report. ( attached ) According to USPS tracking, the documents were received on XX/XX/2022. ( proof attached ) I gave them everything I needed to remove the XXXX XXXX account they furnished without my consent. I have called many many times and all I am being told either it's still in investigation or that they can file a another dispute. My Affidavit of Truth I sent continues to be ignored. Under the laws of Commerce, an un-rebutted Affidavit of Truth stands as truth and EXPERIAN is liable to compensate me. Moreover, every employee I talked with over the phone claimed they were educated in the FCRA, yet is not one is familiar with 15 USC 1681B ( a ) ( 2 ). They continued to deny that they have the ability to furnish anything on a report. It states explicitly in the law, " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I am not making this up. This comes straight from the law. EXPERIAN, violated my rights by furnishing this fraudulent account without my written consent. I added the FTC Identity Theft Report to further show that the account is fraudulent, so not only did they furnish an account I never gave written consent to be furnished, they furnished an account that is fraudulent. AND pursuant to 15 USC 1681c-2, they had XXXX business days to take it off ... yet here we are about to be 30 days later. I have been sent multiple emails, against stating that they decline " my request to block the information '' I claimed identity theft for. ( proof attached ). I was just recently sent an email on XX/XX/2022 with another computer generated response that didn't make sense to my situation and it addressed a name that WASN'T EVEN MY NAME. As I also stated in my previous complaint, the FCRA further states that a credit report can not contain information solely as to transactions or experiences between the CONSUMER ( me ) and the PERSON ( XXXX XXXX ) making the report. EXPERIAN is in violating of 15 USC 1861a ( d ) ( 2 ) ( a ) ( i ). I have done everything I needed to do and I hope by sending in this second complaint with more evidence, the CFPB will hold EXPERIAN accountable for violating my rights that have caused me much XXXX, XXXX, XXXX  XXXX  XXXX  distress.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I tried to pay my loan off in full and close the account. XX/XX/XXXX I called to get some help on the matter and was advised a ticket was going to be put in. On XXXX, XXXX, and XXXX I called and 3 different call representatives put in tickets and gave me the run around. One advised me it was my bank to get me off the phone. I called my bank and they had no record of the issue and assured me it was a MoneyLion issue. The others did the usual ticket created routine and didnt even try to help me with the matter and one even going as far as mocking me for being annoyed at the inconvenience of waiting an additional 2 weeks to get the matter resolved. As of XX/XX/XXXX, there is still no resolution to this problem and my account is racking up fees for being late.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has XXXX XXXX XXXX. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 

I looked at my TransUnion Equifax Experian credit report on XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I

am writing to formally dispute certain inaccuracies in my credit report as provided by your agency. I have reviewed my credit report and found several discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the accuracy and integrity of the information they report. 1.Delinquent Accounts 2.Derogatory Marks 3. Collection Accounts 4. Public Records
Product: Money transfer, virtual currency, or money service

It seems I no longer have access to my personal account on Coinbase. 
The first time I tried to access my account and failed was on XX/XX/XXXX or very close to that date. My password does not work. I have not changed it. When attempting to change my password I have not received an email, after clicking on send email. After clicking on resend email I receive a message saying please try again later.

I have not received any response or communication from Coinbase after repeated attempts. When attempting to file a complaint on their site I am required to include a ticket number which I have been unable to obtain as Coinbase has not sent me a reply. 
I have been unable to access my funds for close to a month. Which, from my point of view is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is reporting a fraudulent auto account in my name. XXXX XXXX XXXX is stating the I owe the XXXX for an auto loan/ lease in my name. This account was established in fraud and does not belong to me. Now the credit bureau is reporting this account twice via collection and direct creditor which is making my debt to income ratio deteriorate. The account is not mines and was opened in fraud. I have sent them numerous documentation proving that I have been a victim of sever identity theft and they are refusing to help with this serious matter. I have asked them supply me proof of this debt that they are verifying ......
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX ran my credit on accident when my father went to their dealership to buy a. truck, i told them they ran the wrong information they told me they cant do anything about it. my credit score dropped XXXX points and i didnt give anyone permission to check my credit, it was a total of XXXX inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached accounts were created without my knowledge and charges were made without my knowledge