23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act US DEPARTMENT OF EDU Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act US DEPARTMENT OF EDU Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # 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 AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. 

XXXX ) XXXXXXXX XXXX XXXX  - {$300.00} XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$690.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX ) XXXX XXXX XXXX XXXX XXXX  {$1600.00}
Product: Credit card or prepaid card

Filed a dispute with capital one credit card and was not credited back for a item that was purchased and then returned to the merchant. Transaction XXXX to XXXX was returned in there 60 money back satisfaction guaranteed. I was never credited back by the company who mailed the counterfeit product, so I filed a dispute with Capital One credit card. Capital one took the side of the merchant and will not credit this amount back account, even after I have done everything to receive the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled by credit report and noticed credit inquires that i do not recognize, unauthorized and did not consent to. i must have been the victim in a cyber hack or identity theft. these non-account holding inquires with : XXXX XXXX XXXX, XXXX XXXX XXXX, JPMCB Card and XXXX XXXX are NOT mine, i do not recognize and did not authorize! these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. This has caused me much stress and anxiety and has had a very negative impact on my life. I will be taking legal action on this account.
Product: Credit reporting or other personal consumer reports

i am victim of identity theft. the information listed below, which appears on my credit report does not related to any transaction that I have made. the result of identity theft.
Product: Checking or savings account

This account was for my dad who died and was wrapping up his estate and closing things down - they started charging fees so I withdrawal all the money then they continued to charge fees. I asked them to refund the last months of fees and close the account and they refuse to close the account and reverse the fees on an account had a XXXX balance. This was a long time client of theirs who died. They will not close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was aware of this fraud account on my credit XXXX of 2020. I am not aware of where it came from or who used my information. Since XX/XX/2020, I have been trying to get this account removed off of my credit.
Product: Debt collection

On XX/XX/2019 this debt was settled in full for {$2300.00} ... See payment in full receipt and cashier 's check. 
These XXXX  at XXXX XXXX XXXX XXXX, XXXX, Texas decided to break the law and pursue additional collections by passing, selling or sharing this account with other affiliated collection companies. XXXX XXXX XXXX XXXX along with XXXX XXXX XXXX XXXX, XXXX, and the originator of the account Jefferson Capital Systems , LLC far beyond the payoff date above in order to Extort more funds.. It didn't work.. So they turned to damaging vehicles and personal threats to attempt to Extort more funds. The stalking and harassment all over XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX has gone on in person and in vehicles for 4 years now..We finally were given advice by an FBI Agent to set up hidden video surveillance and draw them in to where I would park my vehicles and then move every 4 to 7 days to a new location to see if they follow and sure enough the agent was dead on with his advice. We recently turned over the video evidence to XXXX XXXX Police XXXX, XXXX XXXX Police XXXX. and the FBI in XXXXXXXX XXXX. They will retain this file until we proceed with our Civil Court Action and move from there. XXXX affidavits as of this date along with 13 witness 's, 4 police agencies that are being subpoened along with 22 cars with plates that have been verified for owners and use.. Want a sample : XXXX XXXX at XXXX and XXXX in XXXX XXXX filmed from a friend 's apt . on the corner behind shutters in the front room, we won't give plates you have them, XXXX XXXX at XXXX XXXX and XXXX XXXX across the street filmed from from a sitting vehicle. 
XXXX XXXX XXXX XXXXXXXX car filmed at XXXX at night from a sitting vehicle. The list goes on and on... No more talk, we have built a solid case against XXXX XXXX XXXX XXXX,, JEFFERSON CAPITAL SYSTEMS , LLC, AND XXXX XXXX XXXX XXXX XXXX Wait for the knock at your door for your files, phone call records which we also have that are extensive, mail that goes back 7 years ... To bad you got played while building this case but that's what law enforcement advised us to do. 
See you in court. Bring lots of money..
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Equifax removed XXXX XXXX # XXXX from my credit report due to a dispute I filed proving I am not the owner of this account. This account belongs to someone with a totally different middle and last name. I provided sufficient identicication proof that the XXXX XXXX account is a mistake due to credit file merging. 

on XX/XX/XXXX XXXX XXXX # XXXX was added back to my Equifax credit report along with the name of the owner of the account in question. 

Proof of Equifax XXXX and Police report attached.
Product: Credit card or prepaid card

I am a victim of identity theft and Im have problema recieving any kinda of benefits because of fraudulent people who redirected my mail and duplicated my accounts and cant verify my identity have left me homeless and with no money. I can never get approved for anything. I have benefits on prepaid card XXXX cant seem to get to. Investments like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX had closed out my accounts. XXXX, XXXX, XXXX, XXXX down to my imcome taxes from XXXX. I have recieved absolutely nothing and need to know what's happen to everyting I applied for
Product: Credit reporting or other personal consumer reports

I would like to dispute the following hard inquiries on my XXXX  and Equifax credit report. Everything listed below are unknown and not authorized by me. 

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 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
Product: Mortgage

I received my XXXX statement and disputed the charge of {$200.00} for XXXX XXXX ' as unauthorized and requested more info and asked for them to credit my account. 

Then an additional charge appeared on my next statement on XX/XX/XXXX. I sent another letter disputing this charge on XX/XX/XXXX as it was described as " PMI Disbursement '. My PMI was removed in XX/XX/XXXX and was not even close to the original amount. It was for {$220.00}. My PMI used to be {$110.00}. 

I get the obligatory form letter telling me 'they need more time ' to research, which is crazy. I never get anything but that form letter for 2 months. 

This is now the third letter I am writing to them, today to credit back the XXXX charges from XXXX. They seem to be hitting me up like an ATM machine with undocumented charges and don't have the decency to write me to explain their reasoning for the charges. I would like to see a full accounting of whatever it is before they sneak in charges like a little thief.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax data breach has many people concerned, myself included. My information was stolen without my permission. Now, future endeavors I pursue might be met with consequences due to this breach, such as the inability to obtain a loan. I have put 90-day monitoring on my credit reports, but that might not be enough if my information is already leaked.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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

Experian has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

( The Consumer Financial Protection Bureau ( CFPB ) has recently filed a complaint against XXXX, citing several violations including failure to forward consumer-provided evidence to furnishers, accepting unreliable data, and not adequately notifying consumers of dispute outcomes. These issues are consistent with my own experiences with XXXX, XXXX, and Equifax. Despite providing substantial evidence, these credit reporting agencies have neither corrected nor removed disputed items from my credit report, which has led to ongoing credit issues and intentionally maintaining my score at an unreasonably low level. 

I am requesting immediate corrective action to remove or amend all disputed accounts. These agencies ' failure to comply with federal law and their disregard for my rights as a consumer is unacceptable. Specifically, under 15 U.S. Code 1681 ( b ), 15 U.S. Code 1666b, and 15 U.S. Code 1692g, I am entitled to the removal of late payments, charge-offs, and collections. Additionally, 15 U.S. Code 1681e ( b ) mandates that all collections be removed if inaccurate information is reported. 

Over the past XXXX years, I have sent multiple dispute letters to these credit reporting agencies, requesting the removal of inaccurate accounts. Despite my efforts, none of the disputed accounts have been removed, and my credit score continues to remain in the XXXX, frequently dropping below XXXX. I urge immediate action to rectify these discrepancies in compliance with federal regulations.
Product: Credit reporting

On XXXX XXXX, XXXX, I requested a Full File Disclosure report from First Advantage Consumer Center and their parent company/partnership Lexis Nexus. The First Advantage background reports I receive contained inaccurate information more specifically criminal records that did not belong to me and was disputed as inaccurate back in XXXX. 
I immediately contacted First Advantage to dispute the inaccurate information and was told I could not dispute because an employer did not order a background check. I explained to First Advantage the consumer has the right under the FCRA to order copy of any files you contain within your database and the right to dispute inaccurate information. To date First Advantage has refused to removed the inaccurate criminal record and address associated with my name. I do not have or use any alias my name is not XXXX XXXX XXXX and the courts records do not show my social security number or address associated with said criminal records.
Product: Checking or savings account

Since when does a bank need to justify stealing? 
I received a letter in this evenings mail, stating account ending in XXXX is still overdrawn, will be closed and charged off. 
I have already filed a complaint against Chase covering the above information in regards to them trying to take money twice using the same transaction ID. 
I have been in contact with their Executive Office, they admitted error ( XX/XX/XXXX ), but nothing to date has been refunded accordingly, nor have they updated me on progress. 

This is the 5th or 6th filing ... I will keep filing, since they keep harassing me via messing with my other accounts, sending bogus letters and threatening phone calls.
Product: Credit reporting or other personal consumer reports

Under tXXXX XXXX XXXX XXXX XXXX XXXX, as referenced in XXXXXXXX XXXX XXXXXXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.
Product: Credit reporting

I am a   XXXX   XXXX   and new to credit, I was unaware the filing for credit actually hurt your credit. As I was searching for vehicles to purchase I was applying to see who could give me the best rate. Now I can not get approved for anything, apartments, school, etc. I tried to contact  XXXX  of the  XXXX  credit bureous to have the credit inquires removed, the representative I spoke to was extremely unhelpful and seemed very unknowledgable about the company polices. I am impacted greatly by this simple mistake and I feel like I am a victim.
Product: Credit reporting or other personal consumer reports

The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness.

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.
Product: Debt collection

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX for committing identity theft. I have never given XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

THIS COMPANY HAS ALSO VIOLATED A PREVIOUS CEASE AND DESIST NOTICE THAT WAS SENT IN THE PAST BY CONTINUALLY FURNISH FALSE INFORMATION TO MY CONSUMER REPORT REGARDING A FALSE RELATIONSHIP WITH MYSELF AND THIS COMPANY. THIS COMPANY HAS ALSO NEVER PROVIDED A TRILATERAL CONTRACT WITH MY WET SIGNATURE ON IT AUTHORIZING THEM TO HAVE ANY OF MY PERSONAL AND PRIVATE INFORMATION. AS A FEDERALLY PROTECTED CONSUMER, I HAVE A RIGHT TO PRIVACY. REF. PRIVACY ACT 1974. 
I have never received any documentation requesting validation from XXXX XXXX before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. However, XXXX XXXX  has openly admitted to committing identity theft when responding to a complaint with " XXXX  purchased these accounts, together with the right to collect the balance due on the accounts ''. Ref Complaint No. XXXX. If XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notif
Product: Debt collection

I discharged this Debt with XXXX XXXX and this company as well as others continue to contact me but I have successfully disputed this Student Loan Debt. This IDENTITY THEFT XXXX. I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, incompetent and does not have much sleep because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR, this is aiding and abetting fraud on the Consumer who is a natural person. 
This Debt Collector has violated have harmed my consumer natural person according to the Fair Debt Collection Practices Act ( FDCPA ) pursuant to 15USC1692c, d, e, f, g, and j respectively. Because of this this DEBT COLLECTOR is subject to 15USC1692k and it must be paid so they will not make this mistake again with a natural person consumer.
Product: Credit reporting or other personal consumer reports

To Whom it may concern : You are reporting this collection as an OPEN ACCOUNT which is not under FCRA XXXX. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Product: Credit reporting or other personal consumer reports

I was XXXX from XXXX XXXX XXXX XXXX XXXX XXXX  while I was locked up someone stole my wallet and used up all my credit cards. I have told the credit card companies as well as XXXX and they refuse to remove the negative reports in my account. This was fraudulent activity which I had no knowledge of until after I was released from XXXX
Product: Debt collection

Sunrise Credit Services reported an unpaid debt to XXXX XXXX XXXX XXXX XXXX to XXXX  and XXXX  credit bureaus on approximately XXXX XXXX. I have no knowledge of this debt and no historic dealings with this particular branch of XXXX XXXX XXXX. I have had an account with XXXX XXXX XXXX for internet services for the past 14 years which is currently paid and shows no amounts due. I contacted Sunrise Credit Services regarding this debt and they checked their records and were unable to locate any record of a debt by my name, social security number, or the partial account number listed on the credit report. At that point, they refused to take any measures to remove the false report from my credit reports. The representative stated that there was no way they could remove the information since she couldn't find it in their system. I requested help from someone more knowledgeable and was told all managers were " in a meeting '' and I should call XXXX XXXX XXXX to fix their mistake.. The representative was obviously lying and just refused to take responsibility.
Product: Money transfer, virtual currency, or money service

We began using WePay by Chase as our online processing company through authorize.net on XX/XX/XXXX. We had XXXX {$22.00} chargeback in XXXX of XXXX because a customer didn't recognize the charge name on their statement, which they later came in and paid. WePay by Chase has processed roughly {$78000.00} through their services. On XX/XX/XXXX we received an email stating that we were deemed high risk and they would no longer be processing payments through our site, however, they collected payments from XX/XX/XXXX up through XX/XX/XXXX, the date that they notified us that we were high risk, and we, not knowing that they were going to do this, released the merchandise to the customer. 
Upon contacting WePay, they state that they will release the funds after 120 days. We are not a major corporation that can just give out 10 days worth of merchandise and get paid for it in 4 months.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Dispute of Inaccurate Debt Reporting by Resurgent Capital Funding / LVNV Funding Account Number : XXXX To Whom It May Concern : I am filing this complaint regarding the inaccurate reporting of an account that was sold to Resurgent Capital Funding, account number XXXX. I have attempted to dispute this account on several occasions, including on XX/XX/2024, and XX/XX/2024, through certified mail to XXXX, XXXX, XXXX, and directly with Resurgent Capital Funding/DBA LVNV Funding. 

I am not liable for this debt with XXXX XXXX, and I have repeatedly requested validation of this debt, including an original contract with my signature. Resurgent Capital/LVNV Funding has been unable to provide the requested documentation, making this debt invalid.