23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a victim of identity theft.

A collections account was placed on my credit report by Jefferson Capital Syst.

I was alerted through a credit monitoring app and contacted XXXX to notify them this was a fraudulent account. I was told by the credit bureaus ( XXXX ) that I need to contact the local police and file a police report. I did although the local police department asked what store this identity theft took place in. I said, " I did not know? '' as I do not have that information.

The police department said that I would have to show that the transaction of this identity theft took place in a store within the jurisdiction of the Police department for me to file a report with them. 

I contacted XXXX  and told them what had happened they said since this was a fraud account and had been submitted to collections, they can not supply me with any information regarding the account.

I contacted the Local police department and told them what XXXX had told me and the police said there was nothing they could help me with if the identity theft did not take place in their jurisdiction. 

I contacted XXXX and the lady told me I would need to file a complaint here and provided me with the FTC.gov information.

I also contacted Jefferson capital system the debt collector that has been reporting on my credit. I spoke with XXXX and he transferred me to XXXX in the fraud department with Jefferson Capital. 

XXXX said according to the information Jefferson Capital has on the account the fraudulent transaction was completed on XX/XX/XXXX and the transaction number is XXXX although he did not have the address or location that the fraudulent transaction took place. This was the only information he could give me.

When speaking with XXXX I requested that Jefferson capital stop reporting this account as late/nonpayment on my credit during the dispute process of this account. XXXX said he could not do that but would note that the account was being disputed. 

Also Please Note*** The XXXX  account that Jeferson Capital is reporting has been removed from my credit report twice before as a fraudulent account. 

XXXX account was removed the first time. 
XX/XX/XXXX. The Debt collector was XXXX XXXX Report # XXXX Result **deleted from credit report** Just about XXXX XXXX later XXXX XXXX rereported the account on my credit a second time after it had been removed as identity theft. 

XXXX account was removed the second time. 
XX/XX/XXXX. The Debt collector was XXXX XXXX Report # XXXX Result **deleted from credit report** XXXX XXXX has sold the debt to Jefferson Capital and now Jefferson Capital is reporting this on my credit report as a Seriously past due account in collections and has reported XXXX missed payment on the account. this has severely damaged my credit score.

I am needing help to have this Fraudulent XXXX account removed from my credit report for a 3rd time. 

Respectfully XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Account # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

XXXX  XXXX XXXX  XXXX XXXX  XXXX  I XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX  XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry had been made : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


I contacted the creditors who placed the inquiry and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days later, and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately, or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach, and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN : XXXX Date of Birth : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX XXXX Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
Accounts : Account numbers : OPEN DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of XXXX, so I do not need TransUnion to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. Section XXXX ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX XXXX XXXX XXXX if the consumer has provided documentation of trafficking to the agency. I have attached a documentation of my self attestation to you TransUnion Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity fraud and my information has been compromised in a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. 

XXXX XXXX  XXXX XXXX : Acct # XXXX ; XXXX XXXX : Acct # XXXX ; XXXX XXXX XXXX : Acct # XXXX ; XXXX XXXX XXXX : Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A. States I have a right to privacy.

15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish my 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 any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

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

This agency is reporting inaccurate information on my consumer report and it has been affecting my livelihood for quite some time. I have attempted remedy for a number of years to no avail.
Product: Credit card

My Bank of America credit card was compromised and used to purchase over {$3500.00} worth of electronics equipment -- which was well beyond the credit limit of the card -- but Bank of America refuses to acknowledge that fraud occurred because they say the card 's security chip was read. I have requested and received copies of the receipts from the merchant -- a XXXX in XXXX and another one in XXXX XXXX -- and neither receipt has my signature on it. Furthermore, I can prove that I was not in either city when the fraudulent charges were made. However, Bank of America still continues to deny my fraud claim and is demanding that I pay the amounts charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to a duplicate account on both my Transunion and XXXX consumer reports. The XXXXXXXX XXXX XXXX account ending in XXXX is a duplicate under a different name XXXX In case these consumer reporting agencies need to be educated on the law, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 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 the information is inaccurate. 
There is absolutely no excuse for this type of negligence. I demand this invalid account be removed from my credit file immediately and permanently.
Product: Credit card

In XX/XX/XXXX I had a company call me from " XXXX XXXX '' and they sold me a vacation package. They called themselves XXXX XXXX XXXX XXXX XXXX XXXX  I signed up and was charged {$1700.00} on my Chase credit card on XX/XX/XXXX for the vacation package. It was supposed to cover 2 resort stays and 2 cruises. 

I tried for MONTHS to make a reservation, but there was always an excuse as to why they couldn't make one. When I thought I finally had one, the resort said there was no reservation under my name. This was in XX/XX/XXXX and then I finally knew without a doubt it was a scam. I reported it to Chase and disputed the {$1700.00} in early XX/XX/XXXX. They wrote a letter back saying that they denied it. I called them back immediately and they said I could submit all the evidence. I spent hours and sent in pages of evidence and all the details and emails between XXXX XXXX XXXX and me showing that I NEVER received the promised vacations and was scammed out of my money. They denied it again. 

A week after I first disputed this with my Chase credit card, a new company called XXXX XXXX https : XXXX said that XXXX XXXX XXXX was out of business and they had acquired their clientele. They said I had 24 hours to reactive my package, but they wanted more money. I would not give them more money, and they never responded to my emails. I saw that XXXX XXXX has many other complaints against them ( saying other companies went out of business, XXXX XXXX took them over, and asked for more money ). 

I submitted evidence a THIRD time to Chase and also showed the XXXX XXXX scam asking for money and sent in ALL the explanations, email transactions between XXXX XXXX XXXX and XXXX XXXX asking for money with nothing received from them. They still denied it and wouldn't let me dispute it again. 

It makes me said that Chase won't help me more with this dispute. Even though the package said it was nonrefundable, I NEVER received the services, and sent in many, many pages of proof of my efforts to make a reservation and never received the services promised. It is obviously a scam. I hope that they consider this in the future and can try to help others from being scammed. I have reported it to the FTC, XXXX, XXXX, the state attorney general, and the government.
Product: Debt collection

I called IQ Data international on XX/XX/2019 to pay a debt. When I talked to the representative XXXX, he told me that I could pay the principle amount and have it taken off my record if I was able to pay within ten days of the first payment I made. I made a payment of XXXX $ on XX/XX/19 and planned on making the other XXXX $ payment today XX/XX/19. Now Im being told that if I only pay XXXX $ that I will not have this taken off my record and there will be a remaining balance. When I asked to speak to a supervisor XXXX hung up on me. When I called back and spoke to the supervisor, the supervisor hung up in my face as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the account with the inaccuracies.
Product: Credit reporting or other personal consumer reports

It has come to my attention, that XXXXXXXX XXXX has transfer an account to XXXX XXXX XXXX immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$910.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX has been opening and closing this account repeatedly and it has been doing harm to my credit file. they have also are reporting that it is a installment loan I have sent letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX and Transunion have done nothing, i deserve a complete and accurate file. XXXX XXXX has not sent documents requested
Product: Credit card or prepaid card

I applied for a secured credit card with TD bank about 2 years ago after having our bankruptcy XXXX the previous year. My husband and I were told that it would take about XXXX months and they would upgrade us to a regular card. We had to put some money into a savings account that would not be accessible. We each put {$1000.00}. It's been about 2 years and we asked the bank to let us know why we are not getting upgraded and to give us a date. They have not provided us with that info. We have paid our balances always on time and pretty much in full. My credit score is in XXXX range.
Product: Student loan

I have been paying on my school loan consistently since XXXX. It originally was about XXXX with the first dispursment beginning in XXXX and today I still owe XXXX. It says my loans will not be paid off til XXXX if I pay {$220.00} a month. I do n't understand! Most of my payments were {$200.00} or more and some times the entire amount would go toward interest or fees. In XXXX, they forced my mom, sinced she cosigned, to pay {$510.00} a month when she was unable because she was going through treatment for a sickness. After I had already been paying {$220.00} a month. After 2 months I was able to get her out of that. Navient has also drafted money from my account before and it did not go toward my account. It I went back and forth with them for about 6 months and still never received my money back and it did not go toward my account. They said they did not take any payment so I sent them my bank statement 3 times and every time they said they never received it. I was never reimbursed. My account online does not match to what they say when I call. They have pushed me to forbearances for just one month behind and now I have none left for a time that I really need it. My mom cosigned the loans. In XXXX, she was trying to buy a house. Upon looking at her credit, Navient was on her credit for {$1000.00}. She paid it just to get it off her credit. Where did that money go? There are no transactions on my account anywhere. When I try to call for anything they are very rude and nasty especially when they are in the wrong they get defensive. I feel like my money is being taken and I am being taken advantage of because I have no other options available.
Product: Checking or savings account

This claim is regarding transactions not approved by me. I did not process these transactions and I have tried to work with both XXXX and Capital 1 bank to resolve these fraudulent transactions. 

My original claims started XX/XX/XXXX. I received notifications that fraudulent transactions were being attempted on my cards. ( see photos attached ) All together there are a total of {$6100.00} in fraudulent charges. I contacted Capital 1 on 3 different occasions. The first claim # XXXX was submitted on XX/XX/XXXX and approved in the amount of {$910.00}, during this conversation I stated that I did not approve any XXXX transactions since XX/XX/XXXX. I had to call in again to include the remaining transactions that were not originally included on XX/XX/XXXX claim ( claim # XXXX ). I called in again to dispute the remaining transactions on XX/XX/XXXX claim # XXXX. The lady that assisted me seemed confused and she did not include all the transactions I mentioned. The amount of this claim was {$2100.00} which was denied on XX/XX/XXXX. The total amount remaining to be refunded or credited due to these fraudulent transactions is {$3600.00}. Capital 1 did not do their due diligence in contacting me for additional information or backup for the transactions in question.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions. '' Under the Fair Credit Reporting Act 15 U.S.C 1681 Section 604 A Section
2 and 15 U.S.C 1681 section 602
Product: Credit reporting or other personal consumer reports

I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report despite multiple attempts. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress, and as a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs, substantially impacting my financial well-being. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Product: Money transfers

On XXXX, XXXX, 2015 I sent for my mother in XXXX {$290.00} by Western Union. 
On XXXX, XXXX, 2015 my mother could not pick up the money because happened some mistake. So, I called Western Union reported what was going on and they said that in 9 business day they would give me an answer about an investigation on the case that they would do. 
They took around 3 weeks to give an answer after many attempt mine. 
On XXXX, XXXX, 2015, after words, they recognize that happened a mistake and they would refund the money for receiver - which was my mom. They gave me a new tracking number, as well. My mother just went in the bank and the money still not available for pick up! 
There is more than 30 days that I am trying solve it and they just say that the money is available, when it is n't! Or they say for I just wait more 3 business days!! XXXX WHAT?? ) It looks like they are just gaining time for I loose my rights!!!
Product: Credit reporting or other personal consumer reports

Thank you for removing some of the inaccurate items from my file caused by incorrect credit information. However, there are still items that need to be addressed. I am disputing an inquiry in my credit file that resulted from incorrect credit report details. Here is the Identity Theft Report # XXXX. According to FCRA Section 605B ( a ) ( 1 ) ( 2 ), you are required to remove any information resulting from alleged identity theft within four business days upon receiving ( 1 ) appropriate proof of my identity and ( 2 ) a copy of an identity theft report. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 
XXXXXX/XX/XXXXXX/XX/XXXX. Please note that you have four business days to remove these items from my credit file. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a public record that is still appearing on my TransUnion credit file. I have disputed this many times, this is not accurate nor verifiable. Do I need to get an attorney?