23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I paid XXXX XXXX XXXX {$94.00}. At the time of payment, my account was in collections. However, as of XX/XX/XXXX, their collection agency, CREDITORS COLLECTION SERVICES, is still posting this as an active debt. I filed disputes with all three credit bureaus. XXXX  has already removed the notation from their credit report because I provided a copy of the receipt. This receipt is attached to the CFPB complaint. XXXX XXXX states that they notified CREDITOR COLLECTION SERVICES. Creditor Collection Services claims they have no knowledge of this communicaiton. 

If I am forced to do so, I will bring XXXX XXXX XXXX to small claims court to compel them to remove the collection notation from XXXX  and XXXX. I will sue for damages and court costs.
Product: Credit reporting or other personal consumer reports

i recently took a look at my consumer report and noticed a unauthorized account on my report i did not apply for or authorize which violated my rights and i would like it removed asap seeing it had a negative affect on my report
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 XXXX XXXX  XXXX 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 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

I received a letter from First National Collection Bureau Inc alleging that I owe a debt. I do not owe any debt to First National Collection Bureau XXXX Inc., XXXX XXXX XXXX XXXX XXXX, or XXXX XXXX. I had already sent XXXX XXXX XXXX a cease and desist letter previously through the Consumer Financial Protection Bureau for which I have a copy in writing. Now I have been contacted by First National Collection Bureau on behalf of XXXX XXXX XXXX XXXX XXXX which is a flagrant violation of the Fair Debt Collections Practices Act. I do n't owe the alleged debt they are referring to, in addition the alleged debt is past the statute of limitations. I do n't want any further communication in any form by First National Collection Bureau, XXXX XXXX XXXX XXXX XXXX, or anyone on behalf of them. Their continuous communication after sending them a cease and desist letter is a flagrant violation of the Fair Debt Collections Practices Act, and it is causing me severe emotional distress for an alleged debt I do n't owe. Their continued communications is considered harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

naccurate information on credit report.
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.

has violated my rights. Or 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: Student loan

XX/XX/XXXXXXXXXX/XX/XXXX I attended classes at XXXX university. The FTC sued this university and awarded students a settlement. Unfortunately, XXXX university has failed to erase the student debt which was a part of the settlement. The settlement also includes {$30.00} million to forgive all private unpaid student loans issued to undergraduates between XX/XX/XXXX and XX/XX/XXXX, and {$20.00} million for tuition, books and lab fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. I have no idea where this balance has come from, I left on good terms with them and even got my full deposit back. I've received no notifications for this debt and have no idea why this is here. This debt is not mine and I do not owe it.
Product: Credit reporting or other personal consumer reports

Some collections that are on my XXXX XXXX and XXXX doesnt match. It may show on the XXXX report but not XXXX
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 under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. 

Account Name : XXXX XXXX Account # : XXXX has violated my rights. 

Account XXXX : XXXX Account # : XXXX has violated my rights. 

Account Name : DEPT OF ED/XXXX Account XXXX : XXXX has violated my rights. 

Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. 

Account Name : XXXX XXXX Account # : XXXX has violated my rights. 

Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. 

Account Name : XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 1681s-2 ( A ) ( 1 ) a person shall not furnace any information relating to look at summer to any consumer reporting agency if the person knows or has a reasonable cause I believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you have broken the law. You unlawfully report unauthorized accounts on my consumer report that have violated myfederally protected rights to privacy and confi dentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my creditprofi le. You have violated me pursuant information. Your offenses amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable1028A. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation.You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately. XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon starting the audit of my personal credit reports, I found multiple inaccuracies from XXXX  XXXX and XXXX XXXX. The inaccuracies range from incorrect balance reporting, credit utilization, payment history, last activity of the account ( s ), and date of closure. I've been constantly harassed by XXXX XXXX XXXX for quite some time. Apparently, they've sold these accounts to this third party, but the original creditor is constantly reporting negative and blatant inaccuracies. I've even been attempted to be served with court documentations from this third party collection agency. I've asked for documentation of this alleged debt via certified mail, and I was provided with frivolous documents. I now have a pending judgement against me in the local courts with completely false information. I plan to sue in small claims court if not mediated via Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX opened XX/XX/XXXX and a collection with XXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2018 : XXXX " Calling from XXXX, this is a debt collector on behalf of XXXX XXXX XXXX XXXX XXXX. This is a call from a debt collector. Please return our call at XXXX M-F during normal business hours. Thank you. '' Neither me nor my wife or kids have ever been to XXXX XXXX XXXX XXXX ever.
Product: Credit reporting

My report shows me as married. I have been happily devorced for 14 years now
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$530.00} XXXX  XXXX XXXX {$4600.00} XXXX  XXXX {$7800.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$15000.00}
Product: Credit card

XX/XX/XXXX - charge from XXXX Issue billed to my credit card. About XX/XX/XXXX I paid credit card in full. 
XX/XX/XXXX - I noticed charge from XXXX Issue and called USAA to inquire because credit card balance should be {$0.00}. USAA agent reviewed and informed me that charge is recording and credit will be issued to reverse the charges XX/XX/XXXX - Security adjustment issued to reverse first charge XX/XX/XXXX - Security adjustment issued to reverse second charge credit card closed sometime around XX/XX/XXXX new card issued XX/XX/XXXX - USAA undo one of the security adjustment and transferred the charge to new credit card. USAA agent explained that the first agent made an error and I was not entitled to two security adjustments. When I asked for copies of my statements to review the charges I was told I had to pay for it and each will cost around {$15.00} or there about. So I was issued only one credit though there were two charges ( XX/XX/XXXX and XX/XX/XXXX ) XXXX/XXXX/XXXX - charge from XXXX Issue appeared again ( all charges from XXXX Issue were for the exact amount ) XX/XX/XXXX - Security adjustment issued and new credit card issued XX/XX/XXXX - USAA reversed the security adjustment and transferred the charge to the new credit card. 
It is now XX/XX/XXXX and I have been trying to resolve this issue with USAA to no avail. I received notices that I need to pay the charges to include interest, to protect my credit. I called USAA numerous times in an effort to get a solution. I last spoke to an USAA agent - XXXX ( XXXX # XXXX ) who promised to have the matter clear up in 3 business days, before that I spoke to USAA agent XXXX on XX/XX/XXXX @ XXXX and was promised that the matter would be cleared. Before XXXX and XXXX, USAA agents have cut-off phone call, promised to clear the issued, explained that I was incorrect, promised to investigate and get back to me, transferred my calls to fraud section, supervisor, senior analysis and in 10 months that I have been trying to get a solution still nothing but notices in the mail that amounts to harassments. Notices that tell me that additional transactions will be declined, rewards points will not be honored and that late fees will be charged. 
Please assist.
Product: Debt collection

The conpany is a fraud trying to get the debt and i belive how many peopke have fallen in to this tactics. The company name is JEFFERSON CAPITAL SYS. I dont recognize this company where i owed a money and its only {$180.00}. I could have paid just to avoid any reporting. I personally felt i have to report this issue and company information so that they can be shutdown. Plzzz do something about coz many people are having this issue and ahould be stopped. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Due date XX/XX/year> AWA COLLECTIONS per the fcra as a federally protected consumer I am now opting out of any and all authorization, I the consumer may have given you written unwritten verbal and non verbal per 15 usc 6802
Product: Mortgage

In XX/XX/XXXX I contacted Wells Fargo for the purpose of trying to renew my current loan modification that would come due in XX/XX/XXXX of which Wells Fargo told be in XX/XX/XXXX I would be able to renew again in XX/XX/XXXX. I was assigned a representative from the Executive division named XXXX XXXX who assured me that Wells Fargo would give me a decision well before the XX/XX/XXXX maturity deadline so that I would have time to seek other options if needed to pay off my loan with Wells Fargo in time. Six days prior to the maturity date, Wells Fargo finally gave me a decision. They stated that since I already had a loan modification, I was not eligible for anymore. The only option they gave me was for a short sale through their department. They then transferred me to their refinance department to seek options there. I was told that the earliest closing date I could get would be inXX/XX/XXXX which is well beyond the maturity date of the original loan. Wells Fargo did not give me any time to have a different option available to me in order to pay them off as they said they would. Also, my coupon slip for my loan only shows a monthly payment owing for the XX/XX/XXXX, date and not the entire balance. My Wells Fargo online account also shows the same thing. When I attempted to make a payment at a branch, they would not accept payment from me even though the payment slip shows only a monthly payment owing. I have a statement from a loan officer at the branch stating that Wells Fargo did not accept payment. I have also attempted several times online to make a payment without success. Because of them not accepting my payment, my credit score has recently gone down XXXX points for 30 days late payment. I am currently in dispute with Wells Fargo about them not accepting payment from me, not giving me adequate time to set up financing after they reached a decision through their executive division, not giving me a written explanation as to why my current payoff amount is approximately {$18000.00} dollars more than the amount stated I would owe in the signed loan modification agreement dated 4 years ago, and reporting me 30 days late to the credit bureaus which have affected me greatly.
Product: Debt collection

I am XXXX and my husband is the sole bread winner in our family. But on my credit report it shows unpaid debt collectors. I've contacted the companies and have given them my husband 's information but they are still negatively hitting my credit
Product: Credit card or prepaid card

In XX/XX/XXXX I started to struggle making payments due to a XXXX XXXX XXXX and limited access to my bank account ( which had also been drained by someone who had access ). Upon coming back I missed several payment showing on my credit in XX/XX/XXXX and XX/XX/XXXX. The company has since blocked me from making payments over the phone or online. They told me I must make them in person at the store or by mail for 6 on time payments. I was told this after going through countless customer service reps and being told different confusing things and not being directed to anyone who could tell me anything specific. I have since then made 6 on time payments and am still not able to pay online as I was told. The biggest issue with this I am I now out of the military and this is a military store. Theyve given the option of mail but its really out of the way and all Im trying to do is pay off my debt. They are intentionally making that more difficult and the customer service rep went as far as to tell me that it was punishment for missing two payments. This was already frustrating as prior to this I had made over {$300.00} payments for 7 months on min {$30.00} payment. I was already paying above and beyond so why punish me? And how is that their duty? This is suppose to be a military supportive store and theyve already reported my credit even knowing the common military situation I was in, so now I dont understand them intentionally making this more difficult and I have no base access to make these payments in person. I have attempted to call and have the issue resolved but am always sent in circles being told different things. I feel as though I am being prevented from paying my debt to them and they are quick to report these things. They take too long to give answers, if those even ever come honest or correct, and I am afraid theyll take so long I will not be able to pay on time. It feels that they are intentionally ruining credit and refuse to come to any resolution or work with Me. Any time I call I dont think Im able to connect with anyone able or willing to listen or help. I just want to pay my debt and be done with them for good if they would just allow it.
Product: Credit reporting or other personal consumer reports

The inaccuracies for XXXX : XXXX is missing the closed date, XXXX is missing the closed date and the remain on the record until date is listed XXXX/XXXX. Transunion on the record date is listed XX/XX/XXXX. 

XXXX inaccuracies : XXXX list 's paid as agreed and closed date XX/XX/XXXX. XXXX does not have a closed date and does not say paid as agreed, but only paid and closed. Transunion 's closed date is listed XX/XX/XXXX. 

XXXX inaccuracies : XXXX has no closed date, date updated or remain on the record info. XXXX has no date closed, the update date XX/XX/XXXX and the on the record until date is XX/XX/XXXX. Transunion date closed is XX/XX/XXXX and on the record until date is XXXX
Product: Money transfer, virtual currency, or money service

Last year ( 2017 ) in XX/XX/XXXX I contacted Coinbase to regain access to my account, I emailed them and they told me steps to recover the account. Their website wasn't working correctly and I wasn't able to gain access. I emailed them back and forth 12 times in a long email chain where they said I would need to create a new account and that they would transfer my funds to that new account ( which is utterly outrageous and amateurish ). I created a new account just like they asked and emailed them the information and got NOTHING back. They haven't even acknowledged my existence since XX/XX/XXXX. It's disgraceful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The information you see below is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on file for me doesn't match what's listed then there are problems with either your records or those who provide them for verification purposes because these XXXX sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on file that does not match what I listed above. Furthermore, I want you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record.

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) ( XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX XXXX - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Public Records being challenged in list form XXXX  XXXX Bankruptcy ( XXXX ) - ( XXXX ) Discharged
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX