23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been attempting to resolve this issue since the end of XX/XX/XXXX. I sent payment via check near the end of XXXX to American Express for one of my two credit cards with them. The check was returned 2x according to my financial institution before I noticed the error and transferred money to the correct account. XX/XX/XXXX ( third attempt ) my bank confirms that the amount of {$8900.00} ( XX/XX/XXXX Draft XXXX Processed Check - AMEX TYPE : RETRY PYMT ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ) was removed from my account by American Express XXXX The next American Express statement showed that the previous statement balance was paid in full, as was my intention. XX/XX/XXXX American Express claimed payment was returned and re-applied {$8900.00} to my balance. This amount was not returned to my bank account and I never received any refund. I called several times to complain and open disputes ( many times the disputes were closed without my knowledge ). In XXXX my statement showed a balance of {$17000.00} after I had made complaints about the original amount which had not been settled. This the result of someone adding a duplicate amount of {$8900.00} to my American Express account. I complained about this additional issue, which was reversed on an upcoming statement and listed as an error. When I called to continue to complain about my missing {$8900.00} I was told it was applied to my account by one representative. Them meaning the added {$8900.00}. When I tried to argue this was not the case, they deferred back to the original statement that it could take 30-90 days to settle the dispute. My disputes were continuously closed and my concerns were not addressed. I was repeatedly told it could take up to 30-90 days to resolve the issue. My {$8900.00} is still missing, though it clearly shows American Express withdrew this amount on XX/XX/XXXX. With review of my bank statements up until today 's date, this amount has not been refunded. I recently sent a letter to American Express, with 2 bank statements, in hopes this would reach someone in the accounting office who will know what they are doing and who can review my account so they can resolve my concerns. I am not expecting them to attend to my issue as this has been the case the last 5+ months. My credit has suffered due to the reported overbalance back in XXXX ( dropped XXXX points ) and the continued balance on my account, which shouldn't be there. I simply ask that American Express apply the money they took from me in XXXX and apply it to my balance or refund me the amount so I can then re-issue payment to settle my balance. I have a folder filled with correspondances, statements and now an invoice from my lawyer whom I attempted to consult about this issue. I appreciate any help with this matter and only reach out as I feel I have exhausted all other options with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated in the HIPAA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. I would like this be taken out of my credit report immediately. I reserve the right to sue your company for violating of my consumer rights as indicated under both the FDCPA and the FCRA. I will also seek damages from you if warranted.
Product: Checking or savings account

I recently opened a new account with chase. A few months after opening the account I realized I had several false charges and some of my funds that I had deposited into the account had been handled improperly. However I after disputing the transactions and filing a claim for fraud and receiving my new bank card. I realized that the bank had sent me a card with similar numbers to an individual who had already had an account with chase using my name. The individual being my cousin XXXX XXXX XXXX. I do not know if the bank knowingly committed fraud or not however the individual has committed identity theft and fraud in my name.
Product: Vehicle loan or lease

Gm Financial states lien release letter was sent XX/XX/21. It was never recieved. Ask for them to resend and they direct to a website to charge me {$23.00} for a replacement on a letter I have never recieved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was robbed in 2016 at XXXX XXXX  by XXXX XXXX and ended up in the hospital. Went to the police station the next day and filled a report because theyd stolen everything I had on my person. Including my wallet I did file a police report. However that could only go so far. Im contacting you all because Ive notice many things on my report that doesnt line up and was told the best place to go would be here. So hopefully I can get help with this thank you All the best - XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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

This is an attempt to correct my XXXX, XXXX, and Transunion credit report ( s ).  I have identified fraudulent accounts and inquiries. Please block the listed accounts. 

Accounts : XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Inquries : XXXX/ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the accounts listed to be permanently removed and block from my credit reports. These accounts are fraudulent, unverifiable, and violate my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get a copy of my consumer report from TransUnion online and was unable to for 11 months, I called and a rep told me someone would call me back but never got a call from company, I keep getting a ( ( Temporarily unable to complete your request ) ) on https : //annualcreditreport.transunion.com for months i've also went on TransUnion.com website online tried pulling my report but the same error message came up, I've contacted TransUnion and spoke to a manager by the name of XXXX XXXX XXXX that told me my account was a BLOCK Account and its a special LOCK on my information by TransUnion which have a special team, MY IDENTITY WAS STOLEN AND ITS VERY IMPORTANT THAT I monitor MY CONSUMER REPORT EVERY 7 DAYS OR EVERYDAY, after getting transferred to about 5 TransUnion reps a lady told me that there's nothing I can do to unblock her name is XXXX special handling department. suggesting that I pay XXXX for a membership fee to be able to monitor my file or go on XXXX XXXX to look up my report, AND when I told her about my rights under the federal Fair Credit Reporting Act she told me I have no rights and there's nothing she can do I also mention that I'am to receive a free report every 7 days by law, she stated that was during covid-19 hang up on me, ''The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies '' Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers how can I make sure my consumer files that TransUnion is holding hostage is accurate, complete or fair if my consumer report is block
Product: Credit card or prepaid card

My credit card issuer, Bank of America, has refunded my payment. I have not asked the issuer to refund my payment. 
This is the third time this has happened in the past two years. 
It appears that the issuer refunds my payment so the issuer can charge me interest. 
If this is the case, this is fraud, because it does lower my XXXX score and that can be injurious to my finances and employment.
Product: Debt collection

US BANK LISTED ACCOUNT DIFFERENTLY WITH XXXX/XXXX. 
XXXX  IS NOT REPORTING CORRECT BALANCE AND LETTER REQUESTING THE STATEMENT TO SHOW THE BALANCE OF WHAT I OWE. I PAID AND SENT A PAYMENT FOR {$200.00} HOWEVER IT DOES NOT REFLECT THE BALANCE. US BANK TRANSFERRED THIS ACCOUNT TO ANOTHER AGENCY AND WILL NOT UPDATE THE 3RD PARTY AGENCY WITH THE CREDIT BUREAUS. THE FURNISHERS LETTER EXPLAINS IN DETAIL TO PROVIDE ME A STATEMENT OF THE AMOUNT/BALANCE I ALLEGEDLY OWE FOR {$4000.00}. I KNOW I DO NOT OWE THAT AMOUNT IF I HAVE SENT PAYMENTS. 



Account number XXXX Account status Closed Date opened XX/XX/2018 2018
Product: Credit reporting or other personal consumer reports

In XXXX I had my original student loan consolidated. 

My old servicer XXXX has put the blame on XXXX XXXX student loan services as of XX/XX/XXXX. 

Aid Advantage to my knowledge performed the student loan consolidation by paying off XXXX student loan installments and making them one account. 

I have been disputing inaccurate information by student loan servicer XXXX  for years All I want now is for XXXX XXXX and Aid Advantage to remove all closed student accounts and inaccurate information.
Product: Credit reporting

Equifax Credit Bureau has a collection account listed on my credit report that was sold or transferred from the original creditor, XXXX XXXX XXXX, to the collection agency, XXXX. There is no date listed on the account of when the originalcontract with XXXX began. That date is XXXX XXXX, 2008. I have writtenEquifax on numerous occasions to have them put this date on the account, and they havenot done so. Please have them list this date as soon as you receive my complaint.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX TEXAS XXXX ] [ XXXX ] [ XXXX XXXX [ EQUIFAX ] [ XXXX XXXX To whom it may concern, I just recently looked at my credit report and noticed that some accounts have late payments during XXXX. However I talked to these creditors below and I should not have any missed payments. 

Account Name : XXXX XXXX XXXX  XXXX  Amount : {$1100.00} Reinvestigate and update payment XXXX XX/XX/XXXX - XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 16815-2 ( F ) Account Name : XXXX XXXX XXXX Amount : {$580.00} Reinvestigate and update payment XX/XX/XXXX - XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 16815-2 ( F ) Account Name : XXXX XXXX XXXX Amount : {$1700.00} Reinvestigate and update payment XX/XX/XXXX - XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 16815-2 ( F ) Please cease and desist all calls and contact with me, immediately. 

When asking for validation from EQUIFAX XXXX and XXXX they denot that the changes are updated and has been verified when in fact XXXX XXXX XXXX XXXX and others has fraudulent reportings such as claiming to be the original creditor when I have no sign documents/agreements and therefore I owe {$0.00} to this company and have been asking for 3 years for this wrong/inaccurate information to be DELETED/REMOVE PERMANENTLY ASAP according to 15 U.S. Code 1692g and 1692e of the Fair Debt Collection Practices Act ( FDCPA ) prohibit debt XXXX from making false or misleading statements about debts or their role in collecting them. This includes falsely claiming to be the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have completely paid off my balance and it still shows a full balance on my credit report reported this to XXXX XXXX and asked that this be corrected I have also called Amazon Store Card to wish they told me they fix this and have not
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX TODAYS DATE : XX/XX/XXXXXXXX  Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
( MOBILOANSLLC ) Account # XXXX, ( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by ( MOBILOANSLLC ) Account # XXXX, ( XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Debt collection

To : Consumer Financial Protection Bureau Subject : Complaint Against Jefferson Capital Systems , LLC Failure to Validate Debt ( XXXX XXXX ) Dear CFPB Representative, I am submitting this formal complaint against Jefferson Capital Systems , LLC for attempting to collect a debt related to XXXX XXXX that they have failed to validate. This debt has been inaccurately reported on my credit profile and violates my rights under federal consumer protection laws. 

Details of the Account in Question : Collection Agency : Jefferson Capital Systems , LLC Original Creditor : XXXX XXXX Account Number : Balance Reported : {$3000.00} Nature of the Complaint Debt Is Not Yours : I dispute this debt as I have not entered into any contractual relationship with Jefferson Capital Systems. Without proof of assignment or authority from XXXX XXXX, their claim to this debt is invalid. 
Failure to Validate the Debt : Under 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), Jefferson Capital Systems is required to validate this debt upon my request. This includes providing evidence of their legal right to collect the debt and proof of the original agreement with XXXX XXXX. Despite my formal request, Jefferson Capital Systems has failed to provide any validation or documentation. 
Violation of FCRA Accuracy Standards : Jefferson Capital Systems continued reporting of this debt without validation violates 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure that all information is accurate and verifiable.

Harm to Creditworthiness : The inclusion of this inaccurate and unverifiable debt on my credit report has negatively impacted my credit score and financial well-being.

Requested Resolution I respectfully request the CFPB to investigate Jefferson Capital Systems and require them to take the following actions : Immediate Removal : Delete this account ( Account Number : XXXX ) from all credit reporting agencies ( XXXX, XXXX, XXXX ). 
Provide Documentation : If Jefferson Capital Systems claims the debt is valid, they must provide : Proof of their authority to collect the debt. 
A copy of the original signed agreement with XXXX XXXX. 
Evidence of accurate reporting of the balance, dates, and account status.

Cease Collection Activities : If Jefferson Capital Systems can not validate the debt, they must cease all collection efforts immediately.

Summary of Violations 15 USC 1692g ( FDCPA ) : Failure to validate the debt upon request.

15 USC 1681e ( b ) ( FCRA ) : Reporting inaccurate and unverifiable information.

Unfair Practices : Continued collection attempts without validation are deceptive and violate consumer protection laws.

Thank you for your attention to this matter. I look forward to your resolution of this complaint. Please confirm receipt of this complaint and provide updates as the investigation progresses. 

Sincerely,
Product: Credit card

I have to no avail brought this issue regarding a 30 day late payment Citi reported on my credit report for XXXX 2015 for my CitiBank Sears card. 


There was an incompetent bookkeeping service paying my bills at the time and feeding me incorrect information regarding my finances and expenses paid. They falsely showed the Citi card account balance of {$150.00} odd being paid in full in XXXX 2015. I only found out about this issue in XX/XX/XXXX when I returned back home from a business trip, and found the 30-day late payment on my credit report. At that time I reached out to my bookkeeping service and told them about the issue, they called Citi on my behalf to make a payment by phone, but apparently the bank account number got transposed and that payment would bounce due to this. 

On speaking to Citi bank they asked that I forward them the documentation from the book keeping company to validate what had happened and they 'd then remove the late payment from my credit repor. I forwarded not only the letter from the book keeping company but also sent Citi my XXXX XXXX account statements which showed balances between {$130000.00} and {$88000.00} at the time the payment was missed and when the payment made bounced. However in spite of this Citi simple responded back by stating this was not their problem and they wo n't be removing the late payment.
Product: Payday loan

I am receiving threatening phone calls from a XXXX Number, XXXX, stating that i owe money for a default pay day loan from XX/XX/XXXX. Check N Go is the company. The man, who has a bad XXXX accent, stated if i did not pay immediately i would be arrested and charged with XXXX different things. I asked for a verification of debt letter which is what Check N Go collections told me to do, he refused and got angry. Told me i had to pay at a XXXX XXXX store which i found odd. I asked why i have never received anything prior to this in almost 6 years and he said they sent me 2 letters but no one was there to receive it. Wouldnt they leave a note saying a certified letter was trying to be delivered? I have never received anything. I spoke with them on XX/XX/XXXX, when it started, on XX/XX/XXXX asking for the verification letter, which he said he would email and never did, and tried to call on XX/XX/XXXX and XX/XX/XXXX with no one answering. 
Check N Go stated i do have a debt but collection agency they sold it to is out of business so they cant help with who i actually owe. I will gladly pay any debt i have, but this guy and place seem like a scam. I dont want to give my money to someone who wont verify who they are. XXXX says their number is an IRS scam snd when i told him this, he got angry. I need to know what to do. 
I have the threatening email, screenshots of dates and times i called, and the email i sent in reply asking for more information. Which they never responded to.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report an have fraudulent accounts that hurting my ability to obtain credit. Can you please remove these accounts
Product: Mortgage

Transunion is still reporting a property that I have NEVER lived at or owned at any point of my life. I need this off of my credit report. I KNOW for a fact it is FRAUD. XXXX XXXX XXXX XXXX. XXXX, NY XXXX On there since XX/XX/XXXX. My current address since XXXX and only address is XXXX XXXX XXXX XXXX XXXX, Illinois XXXX. I NEED THIS REMOVED PLEASE. I've sent several letters about this issue and it is STILL on my report. PLEASE HELP. There ae other things on my report as well.
Product: Debt collection

DCS did not send statements of receipt of payments. The information that was provided in ledger by a third party shows the accurate amount received was not applied to my account. 
DCS failed to respond to my written request for a statement and did not notify me that they would be transferring my account to another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX # XXXX, XXXX XXXX Co XXXX XXXX XXXX, XXXX XXXX VA XXXX # XXXX, XXXX REF : REF : XXXX have 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 18 U.S. Code 1028A - Aggravated identity theft ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
" ( 3 ) the term `means of identification ' means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual. 

FCRA 623 ( a ) ( 7 ) Negative Information