23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

Date : XX/XX/2025 Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Cease and Desist Demand Regarding Account Number XXXX To Whom It May Concern, I am writing to formally notify you that I demand that all communications and collection activities related to the account referenced above ( Account Number : XXXX ) cease immediately. This includes any and all attempts to contact me via phone, mail, email, or any other method of communication. 

I believe that the debt you are attempting to collect may be either invalid, erroneous, or outside of any legal collection period, and I request that you provide the following documentation as proof of the validity of the debt : A detailed statement of the account, including a breakdown of the amount owed. 
A copy of any signed agreement or contract related to the debt. 
Proof that you have legal authority to collect this debt in my jurisdiction. 
If you continue to attempt to collect this debt without providing the requested information or if you disregard this demand, I will take appropriate legal action to protect my rights. This may include filing complaints with relevant consumer protection agencies, such as the Federal Trade Commission ( FTC ) or the Consumer Financial Protection Bureau ( CFPB ), as well as pursuing legal action for harassment or violations of the Fair Debt Collection Practices Act ( FDCPA ). 

Please consider this letter a formal cease and desist request. I expect no further contact regarding this matter unless you can provide the aforementioned documentation. If you are required by law to report this debt to credit agencies, I request that you cease reporting until you have fully provided the requested proof. 

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

On XX/XX/2019 I checked my Transunion credit report to find that my score unexpectedly dropped from XXXX to a XXXX. When I called the company to inquire as to why my credit score dropped ( I received no prior warning for I subscribed to Transunion credit alerts and did not receive an alert for this ) m the customer care specialist kept asking if I knew " The three factors that adjust my credit score '' When I said no she said I'd have to purchase my credit report ( for {$9.00} ) When I told her that I felt I shouldn't have to pay to get an answer for a relatively simple question she said she couldn't help me. I ended the conversation saying that if I didn't get a response in writing by Friday I'd get a third party involved. On XX/XX/2019 I tried calling to inquire to see if there was an error that perhaps I could give information on and shed some light on the matter but the company 's phone line was unresponsive and I interpreted this as the company was unwilling to co-operate with me to seek an amicable solution. ( Note : The Attachments titled XXXX complaint have nothing to do with XXXX directly, they are to show my previous credit score before the incident ).
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name 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: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Texas XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Student Loan Information Subject : Request for Correction Based on Consumer Protection Laws Dear XXXX, I am writing to formally dispute the accuracy of the information concerning my student loans as reported in my credit report, which I received on [ Insert Date of Report ]. I believe that the information is incorrect and request that it be reviewed and corrected as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
The specific information I am disputing is as follows : Student Loan Account ( s ) : Dept. Of Education/ Nelnet XXXX XXXX Discrepancy/Issue : Reporting wrong acct. status, Duplicate acct. reporting According to the FCRA, you are obligated to ensure that all information reported is accurate and up to date. I have included supporting documentation to help clarify the discrepancy, such as : Account statements Proof of payment Correspondence with the lender ( XXXX ) I request that you investigate this matter and correct any inaccuracies in my credit report. Please provide me with an updated copy of my credit report reflecting the corrected information once your investigation is complete. 
Under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. If the information is found to be incorrect or unverifiable, you must remove or correct the erroneous data as per the law. Please notify me in writing of the results of your investigation as soon as possible. 
If you need any further documentation or information from me, please feel free to contact me directly at the address or phone number listed above. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2018, I purchased a personal cashier 's check from my business account with XXXX  XXXX XXXX and deposited it into my personal account with Capital One. However, Capital One has put a hold on my funds since then. I reached out to Capital One about this issue and they informed me through a letter ( attached below ) that they needed more information from XXXX  XXXX XXXX to confirm these funds so they can release them. I have been in contact with a XXXX XXXX XXXX resolution XXXX XXXX XXXX XXXX to help me retrieve this information to get my funds released. They provided me with a letter describing the situation and explaining that the funds did come from my account through a cashier 's check I purchased, they also provided bank statements, withdrawal slip and a copy of the negotiated cashier 's check with Capital One. All these documents are attached below. XXXX XXXX from XXXX  XXXX XXXX also provided us with a fax number and an email for Capital One to reach her incase they need to confirm any of this information or request any additional information so that they can release these funds. All this information can be found in the letter they provided. 

Please help me retrieve my funds because I have been going back and forth between these XXXX banks for years now. I don't know what else to do and it is very frustrating. 

Thanks.
Product: Debt collection

I had a debt of {$1000.00} from  XXXX   XXXX  when I had to move out of the apartment earlier to move to another state, job related. I thought I paid my final payment.  One ye ar later, I found out {$1000.00} was sent to collections. I settled with  XXXX   XXXX  &  XXXX  for {$700.00} in  XXXX     2015.  2 years later, I now find out that a {$360.00}  ( d ifference of debt owed and settled ) is in collections at National  Credit Systems. I have sent National Credit Systems th e letter saying it was settled and closed, they will not close it out. NCS is saying it was a {$360.00} termination fee sent from  XXXX   XXXX  into collections  XXXX   2015   ( c oincidentally 6 months after first settlement ). I called  XXXX   XXXX  and there was never a {$360.00} balance sent. It was only {$1000.00}. I 've attached the letter saying that the debt was settled. This has now prevented me from renting an apartment complex because it is showing up that I still owe the complex. I settled with the collection agency as soon as I found out about it. The {$360.00} is the difference and nothing more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$29000.00} XXXX XXXX {$7600.00} XXXX XXXX {$300.00} XXXX XXXX  XXXX XXXX {$460.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I opened a correspondence with Capital One Visa. I had a yearly user charge with apparent arrears and a charge on XX/XX/XXXX to a people search vendor. The card number was expired on XX/XX/XXXX. It was never activated with new card and card was never used. I was on the phone for 40minutes with 2 different people who could not figure out anything other than putting me on hold. 1. The charge of XXXX was fraud ... 2. How is charging yearly fee on a non activated card legal.. The call on XXXX started at XXXX went till past XXXXXXXX. I was on hold longer than actually having someone help ... Language barrier will also be an issue here ...
Product: Mortgage

I am a XXXX XXXX XXXX. The insurance proceeds for my total loss totaled approximately XXXX XXXX over the mortgage owed to Wells Fargo for mortgage. After being lied to for almost 3 years about being able to re-build I decided to pay off Wells Fargo. I had to send 4 checks, total approximately {$200000.00} over mortgage pay off. 2 checks were stale and I had to get ca.fair plan insurance co. To replace those checks. Wells Fargo acknowledged receiving the new fresh checks, said they would be sending me {$180000.00} in the mail within 10 days. They did not. Now they dont know where my money is. They are a bank! They had the completely updated checks on XXXX XXXX. They were going to research it and get back to me by XX/XX/XXXX. Now I just got another fed ex letter saying they needed until XX/XX/2023. This has delayed my ability to rebuild. I am XXXX XXXX XXXX with a XXXX XXXX and we are living in temporary housing on our burned out property. The temp permit from county could run out and well be homeless all because Wells Fargo lost my money. Wells Fargo made over XXXX off interest with my mortgage. I was never one day late in payments. If I over draw my account by XXXX dollars I get 10 phone calls, emails and a hefty fine but they can steal my entire insurance amount for my burned house total loss to XXXX XXXX? 
They are violation page 6, line 16 of their deferred prosecution agreement for the XXXX XXXX civil case so CEOs should be going to jail for breach of this agreement. This is fraud. Their entire system give it another case number with an executive office case specialist ( with no last name ) and XXXX XXXX  down the road, all while they research where they stashed your stolen funds. It is set up to defraud and in fact is defrauding me. Please help.
Product: Mortgage

SunTrust issued a 1099 misc to me showing non employee compensation of {$6000.00}. It took me several days and fruitless phone calls to SunTrust before I realized on my own that one of many insurance claim disbursements funneled through the incredibly unhelpful loan loss departments at SunTrust was for the amount reported as income ''. These funds were for hurricaine irma damage to my home. In total $ XXXX was held by them on my behalf in a no interest bearing acct. v unfair. 
I called the loan loss dept in XXXX First I was told that I must pay taxes on homeowners claims. I couldnt speak to a supervisor but one could call me in 24-48 hours. Outrageous that they made a false report of income to irs and you cant speak to anyone who understands issue. 
I called customer service and a v helpful lady told me shed had a number of customers issued these forms in error this year and last year! How do they get away with such a harmful mistake for more than one year? after a week or two someone called and told me it was all fixed. Ive been told that a corr3cted 1099 was issued XX/XX/XXXX but I have not received it as of XX/XX/XXXX. I did get a corrected 1098 int so apparently they have sent two pieces of incorrect info to the irs about me. 
If I hadnt worked in the tax field I would have put this {$6000.00} on my tax return s income and paid XXXX in taxes that I did not owe. No doubt hundreds of their customers have done this. 

Why dont they have to go back and identify all mistaken 1099s that they issued and work with irs and customers to resolve. This is a serious misuse of my social security number and personal info in my experience. 
I need a copy of the corr3cted form and a letter admitting to their mistakes do that I have documentation if the irs relies on their bad info to hold up my refund or to issue me a bill. You arent allowed to email them and all representatives tell you they have no direct phone number. I went to a branch to try and get a copy of the corrected form but even they cant penetrate the barrier SunTrust has erected between them and their customers. The lady at the branch was told that I could print this form from their online banking site. Untrue! It is not listed in the document section of my account
Product: Credit reporting

Item # XXXX - I was provided information by a Transunion alert that an unknown collection agency, Online in XXXX, was reporting an unknown debt for {$58.00}. In researching the line it shows that the creditor, XXXX XXXX XXXX, provided the collection in error. In fact, a check for {$87.00} was received from XXXX XXXX XXXX XX/XX/2016 for the error. The matter was closed and no balance was due. 
Item # XXXX - Transunion continues to provide accurate information in regards to a medical creditor from XXXX XXXX, NV, XXXX XXXX, XXXX. This collection agency was instructed by XXXX to stop collections and erroneous activities of this item line reported on my personal credit report. 
Transunion continues to provide this inaccurate information on my reports which has resulted in loss and harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got a voicemail from XXXX XXXX XXXX from Critical Mediation LLC stating about a Fraud Claim against me. I called the number backed she then responded that she is collecting a debt not a fraud for XXXX XXXX. I told her I would like to verify first to make sure that it was my actual debt. Since it was for XX/XX/2011. She then said did n't give me time to call her back since I as driving. She have told me that we will file the lawsuit once I hangup the phone. After reading my consumer laws that 4 years old debt cant be sued. Second not mentioning that she is collecting a debt. Lastly not allowing me to verify my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XXXX XXXX XXXX, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX Balance : {$360.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was exposed in the XXXX breach and since then fraudulent accounts and inquiries have been showing up on my credit report. 

Pursuant to 15 U.S. Code 1681a definitions ; rules of construction ( 2 ) Exclusions. The term consumer report does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; MY CONSUMER REPORT CAN NOT INCLUDE TRANSACTIONS OR EXPERIENCES BETWEEN MYSELF AND ANY PERSON, WITHOUT MY WRITTEN INSTRUCTIONS. MY CONSUMER REPORT ALSO CAN NOT INCLUDE AUTHORIZATION OR APPROVAL OF CREDIT DIRECTLY OR INDIRECTLY. BLOCK AND REMOVE ALL ACCOUNTS AND INQUIRIES MENTIONED IN MY FTC IDENTITY THEFT REPORT. 

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

ANY ACCOUNT/INQUIRY THAT HAS BEEN PREVIOUSLY INVESTIGATED OR DISPUTED ON MY CONSUMER REPORT AS IT RELATES TO MY CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS, OR MODE OF LIVING WAS NOT OBTAINED THROUGH INTERVIEWS WITH MY NEIGHBORS, FRIENDS, OR ASSOCIATES OF MINE, THE CONSUMER. NO FACTUAL INFFORMATION FROM A CREDITOR SHALL BE INCLUDED ON MY CONSUMER REPORT WHATSOVER.
Product: Credit card or prepaid card

Since XXXX of XXXX  I have been dealing with the same chase dispute issue that chase does not want to resolve. They have not closed down a dispute that was opened months ago but instead keep re opening it and rebilling me multiples times for one transaction. I currently have 3 rebills of one transaction plus the initial one made that was paid out I have paid out 2 charges already but they keep charging me for something that was already closed down. I am trying to close ALL my chase accounts down because they dont want to resolve their mistake. They have not refunded me for the charges that are reflecting on my account which I do NOT owe. I have spoke to over XXXX agents managers supervisors which tell me the same thing my refund is coming the refund is on the way itll take 30 days 60 days 24hrs 48hrs 72hrs 7-10 business days and NOTHING is being done. EVERYTIME I call I get the same issue and the same excuse and waste my time looking into my account when all the calls are recorded the notes they say they put must show up on my account and yet they give me the run around about getting the amount returned and their mistake fixed for XXXX. I need help! I have called for 4 months and still have no resolution! Im ready to find a lawyer if I have to to clear my report and show it was not my mistake. They will charge fees that should not be and they are doing fraud on my account and dont want to fix it.
Product: Credit card

XX/XX/XXXX I applied and received a line of credit for XXXX to purchase a new phone. For the whole year I have paid on time and have had no issues. On XX/XX/XXXX I logged in to try to pay off the remaining balance of my phone to prevent deferred interest from being changed on my account. I was directed to a new webpage and asked to select what company I was using the credit for, in this case XXXX. 

This directed me to the XXXX XXXX page which is run by TD Financial. It asked for my log in and password then explained I would need to reset my password. When I clicked to try to reset my password I was prompted to put in my user name again, I do not have an actual credit card number as far I know. When I click to advance the password update I am told " Sorry, please check the input and try again. '' I called the only hotline number for the company and was on hold for five hours on Monday, three hours Tuesday, 4 hours Wednesday, and 2 hours so far today. I have been unable to reach anyone to get this resolved. I have until tomorrow to pay this amount to avoid deferred interest but am unable to pay or find another way to pay.
Product: Student loan

I obtained a private loan to attend XXXX XXXX XXXX for an XXXX XXXX in XXXX XXXX. During the first semester at that school, they announced that they would not be issuing a degree at graduation but instead, it changed to a certificate and they would assist students in finding employment. I withdrew after learning that they were aware that students would not receive degrees before my enrolment and failed to disclose this information to me. My federal student loans that were also disbursed to XXXX XXXX are being discharged due to my approval under the Borrower Defense for Sweet v. Cardona. Per the attached promissory note, the private loan was disbursed to this school, which is included in the settlement. I should not be responsible for repaying a loan to a school that deceived me, was predatory in telling lies to me just to get me to visit to school WITH a parent and apply, all under false pretenses. This Signature loan must be discharged based on the clear evidence from the Sweet v. Cardona settlement. Till this day, the credits obtained from this school are worthless and non-transferrable to an institution of my choice. The school closed and I even can not obtain any transcripts from them yet for a $ XXXX loan disbursed in 2004, I have repaid triple the amount and still have a balance today of over $ XXXX. Attached also is the approval email I received for my federal loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been notified by me that I had several accounts that on my file fraud. This dispute has been going on for over months.I supplied affadavits and police report that support the claim. The same accounts was on XXXX and XXXX.Same companies.These disputes been resolvd before 30 days ... .. When I call Equifax and request a supervisor.Everyone in Consumer Affairs a Supervisor.There no access to higher management.I don't have a direct number to Office of Consumer affairs, Not sure why the have my file instead of the fraud department.This bureau removed my XXXX XXXXXXXX account on there own.