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

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : .XXXX  OPENED XX/XX/XXXX FOR {$130.00}XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX FOR {$230.00}, XXXX  XXXX  OPENED XX/XX/XXXX FOR {$240.00}, XXXX OPENED XX/XX/XXXX FOR {$190.00}, XXXX OPENED XX/XX/XXXX FOR $ XXXX LAW WHEN A CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY XXXX THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies 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, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX, I filed a dispute with all three credit bureaus due to seeing Collection Accounts I had no knowledge of, Accounts that were paid off and still showing reporting. XXXX has removed several accounts that I disputed due to incorrect information. XXXX and Experian never investigated. According to XXXX, all a creditor has to do is submit via email that the account has been verified and no other information is required from the creditor. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I am now showing an collection from XXXX XXXX and I never received a collection letter in order to dispute this account with them, I don't know who they're collecting for and they are not licensed in the State of Alabama nor is XXXX XXXX, XXXX XXXX XXXX, is also not licensed in the state of Alabama.. XXXX account number ending in XXXX was paid off in full, I also received a refund check stating that the obligation was handled and it's on my report as a collection. XXXXXXXX XXXXXXXX  , I disputed this account with all three credit reporting agencies and XXXX was the only agency that investigated and removed this accountXXXX XXXX XXXX XXXX XXXXXXXX XXXX , XXXXXXXX XXXX XXXX XXXX was also removed through XXXX but remains on XXXX and Experian due to not properly investigating accounts. 15 U.S> Code 1692, Abusive collection effortsXXXX XXXX XXXX is also showing not licensed in the state of Alabama and the account was paid prior to being submitted on my credit report. XXXX XXXX XXXX should have been over seven years old, but the company continues to update my credit report with a different date of closing and charge off so the account won't fall off. This account was closed back in XXXX. Under my personal information, I advised Experian and XXXX along with XXXX that I have never applied for any accounts under aliases, different social security numbers and asked that they remove this information. My account is still showing an social security number XXXX under Experian along with an Employer of XXXX XXXX and that is incorrect. XXXX is still showing an XXXX XXXX XXXX and I never used this alias and requested this information be removed. I submitted my driver 's license and social security card to validate my identity and these agencies continues to report incorrect information. I am requesting that these credit reporting agencies be investigated and forced to adhere to reporting true and accurate information and to enforce the dispute validation process. My information was found on the dark web and I had an address in another state, another city that was not mine and these agencies are not taking our dispute complaints seriously. I am attaching documentation.
Product: Debt collection

I've been requesting since last year verification & validation, according to the FCRA. This company has been given Section 623 letters of the FCRA and have refused to provide me with any physical proof regarding this account. I informed them that the original creditor is not XXXX accredited, their business can't be found through CFPB website, they have no website or email address, they don't give information over the phone, and they don't have any contract between them and myself ... That being stated, why is this on my report?! I don't even know who the heck these people are! This is my THIRD time reporting them to a higher agency/bureau. I've given them my social yet they state I haven't given enough information? That's XXXX!
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX the dispute is with for CHASE ACCT #. XXXX XXXX XXXX XXXX XXXX : On XX/XX/2021, A man called me on my cell phone identifying himself as a member of the Chase Fraud department, said that my card was in danger of fraud and he needed to confirm some information, asked me my name, confirmed my address and my cell number., he mentioned about my other credit cards as well, he needed to do the same., I became suspicious of the call and hang up,. I immediately called the back of Chase Card number and REPORTED the suspicious call, requested a payment stop for any purchases on the account and asked for the card to be canceled. Things seemed to be normal, My card was canceled and replaced by another one within a couple of weeks. For the next month, I received the monthly bill with two charges done on the day mentioned above : the charges were done by these merchants 1. XXXX XXXX XXXX XXXX The amounts rounds up to about 6.000 thousand dollars for both charges., I have asked CHASE FRAUD numerous times to drop the charges because I was a victim of a fraud, but they insist that the charges were legit, that they emailed me about the charges being done, but the email address was not current., they did not called me to my cell phone or texted. They have limited themselves to send me a letter, confirming the charges and nothing else.
Product: Credit reporting or other personal consumer reports

The account of XXXX and XXXX in collections is not mine, they sent an original contract but the bank account is not mine, the address on record is not mine and when my dispute was investigated by you guys it was was closed with out really investigating anything taking sides with the collection agency i never have had any business with, all i want is for this collection to be removed from my credit report as soon as possible.
Product: Debt collection

I kept receiving calls from everest receivable Stating I owe them for a credit card that was removed from my credit report. They stated that I still owe {$3000.00} and some to them. In requested for the original paperwork from XXXX and they told me I had To contact XXXX directly to get original paperwork that was signed off to Everest receivable. I then told them that I was looking to buy a car in the next year and they suggested that they arent saying it will be reported to my credit report but without a payment plan set they cant guarantee they wont report it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Consumer Loan

I was asked to drop off a post dated check for my loan payment which I was n't going to have until Friday the XXXX and I was told they were n't going to cash it until they have contacted me on XX/XX/XXXX to see if the money was in my bank account before they cashed my check so I checked my bank account on XX/XX/XXXX and they have already cashed my check and withdrew my bank account!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I uploaded a police report, safe house letter, and a self attested letter signed by my victim advocate. 

XX/XX/XXXX I was denied the 605C relief due to my ID being blurry and the safe house being determined a place for XXXX XXXX XXXX  instead of strictly for XXXX XXXX survivors. As many may know - both go hand in hand and not many local safe houses are for XXXX XXXX only. 

XX/XX/XXXX XXXX XXXX at Experian completely violated my dignity is a human. He offered to read my police report back to me on a recorded line. My police report includes me being XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He accused me of lying about being XXXX because one of my reports stated this was XXXX XXXX. I was subjected to not just XXXX but also XXXX XXXX by my own husband. 

XX/XX/XXXX I uploaded the federal form signed by the detective. XXXX claimed the form was not signed. I uploaded it 2 more times. 

XX/XX/XXXX I called to ensure the copy of the signed form by the detective was received- Experian told me XXXX XXXX was out for the day and no one else could help me. 


XX/XX/XXXX I reach XXXX XXXX. He still treats me as if Im not behind honest and states he will call the detective today. He never called the detective. My report is still filled with my past. There was no further communication on this day. 

This clearance was for housing for me and my daughter. I have begged for the federal rules to be followed, I have been tormented through this process. Over the last few years I have rebuilt my life. 

This representative of Experian has no compassion, no conscious and has violated the FCRA. This is going on day 9. I have submitted documents multiple times showing the most traumatic time in my life and he has treated me like I am garbage in the street.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX  bank and ask them to send me a copy of the signature of the original loan paper they informed me the could no send me the.copy because they did not have a copy of the signed paper. Yet Transunion keeps saying it was verified I have asked Transunion to send me the copy of the signed copy they have yet to send me anything showing it was verified. By law they have to send me this information or delete XXXX  bank I never took out a loan for {$5000.00} from XXXX Bank
Product: Debt collection

Began a Covid forbearance in XX/XX/XXXX and entered into a modification agreement in XX/XX/XXXX. The mortgage was in good standing in XX/XX/XXXX and the XX/XX/XXXX modification agreement provided for an auto debit each month with Rocket setting the amount and timing of the debt to be deducted from my checking account to ensure full compliance with all terms of the modification. To ensure this compliance called the servicer each month and verified the auto debit which was subsequently deducted from my account. On XX/XX/XXXX spoke with XXXX of Rocket who scheduled the auto debit for both XXXX and XX/XX/XXXX. On XX/XX/XXXX notified that Rocket was cancelling these auto debits, charging thousands in alleged default related fees, initiating foreclosure proceedings and threatening to damage my credit rating. On XX/XX/XXXX we filed a QWR ( enclosed ) by certified mail, return receipt enclosing two backup checks in the same amount as agreed on XX/XX/XXXX. We have not received a response to this QWR or a subsequent XX/XX/XXXX QWR and we enclose both for review. We are asking the CFPB to help us obtain a response from this servicer with all fees charged and the transcripts to the XX/XX/XXXX and XXXX auto debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Credit Bureaus reported they did a proper investigation to my XXXX  XXXX account. As you clearly see its missing the months of XXXX. 
If XXXX XXXXXXXX was reporting where are the documents. 
This is hurting my credit/FICO score.
Product: Checking or savings account

PNC on XX/XX/XXXX assessed over {$100.00} on my account due to transactions that posted on my account on the same day, but were backdated and reordered on my account. I was not notified of any overdrafts until XXXX XXXX XXXX this XXXX and by this ppint I was already charged {$100.00} dollars in fees with no way to correct the overdraft. I called PNC and attempted to get the overdrafts credited, but I was steadily rebuffed by a customer service rep and a supervisor who told me there was no one else above her and I needed to go speak to a branch manager to go to a higher level. The branch manager seemed confused as to why I was told to speak with her as she was as limited in this capacity as a customer service rep. I was told to contact her regional manager and that again there was nothing that she could do to further assist me. 

At this point I am completely fed up with PNC and their attempts to charge me overdraft fees. I am constantly told by them about their " processing '' at odd times of the day, but if I as a consumer don't see these processes until the next day it seemes incredibly unfair to charge me overdrafts fees for transactions that show on my account the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT WAS PAID IN FULL AND WHEN I CHECK MY CREDIT REPORT IT'S STILL SHOWING A BALANCE THIS ACCOUNT WAS PAID IN FULL AND I HAVE THE LETTER TO SHOW. IT'S SHOWING CLOSE WITH A BALANCE OF {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards with the information on my credit report and it has been well over 30 days and i have note received any information about the results.
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 items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 XXXX XXXX XXXXXX/XX/XXXX
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX 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: Checking or savings account

Before my money was unauthorized wired to someone. They had canceled another card without informing me that there were suspicious activities and would send another card. I had to call them and ask why my card was closed. So while they sent me a new card they have stated that I could use apple pay for the new card. I did use apple pay while waiting for my new card to come in and on XX/XX/XXXX a week later two unauthorized transaction of XXXX dollars equaling to XXXX dollars was taken from my account. I called 30 minutes explained the situation told them I haven't even received the card and how could they steal the money. They said they would investigate, close the card and send a new one and its been denied saying I did authorize those transactions. I still haven't received any new card its been 3 weeks
Product: Debt collection

This is in regards to an XXXX XXXXXXXX XXXX  I had a few years back, NO ATTEMPT on their part was to get payments, although at that time I was making payments, so years went by and I heard nothing more, Now I receive a Collection notice letter dated XX/XX/year> regarding this debt in which the amount owed is incorrect and this collection agency REFUSES to work with me. 

So after all these Years, why is this in collection when at that time years ago I contacted XXXX XXXX XXXX, again REFUSED to Correct anything or information that is wrong Now this Jefferson Capital systems , LLC has this account in which I did not know this until now. After looking at the number of Complaints with this agency, and theres ALOT, anything from intimidation tactics, reporting false information, refuses to work with clients, and so on.
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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  {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX  {$46.00} 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 According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Yes XXXX XXXX has been trying to make me pay a debt I was already in contact with XXXX  they did not comply with them with what was said to be done for a resolution the account is suppose to be paid of by them upon there error and they are still making the same mistakes hopefully you can get them to settle this account on their own accountance and error
Product: Credit reporting or other personal consumer reports

Discover Credit card was removed per cfpb and then it was reinserted on XXXX. I also have an inquiry from Discover that I have no XXXX of or have given permission. By law it has to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 

XXXX XXXX {$970.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX  Account # 's XXXX ( XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) _ 15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Also The Heros Act ( Section 110401 )
Product: Credit card

Regularly used and paid off this credit card that was co-branded with Amazon, one day ( XX/XX/year> ) for no reason at all I got an email notifying me that all my accounts with Chase would be closed. Attempted to call and resolve this issue, no resolution provided, and no reason for closure given.