23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery falsified an agreement on a recorded line stating that I had agreed to pay a certain amount on a debt. After I said no and said I never had agreed to anything, the representative helping me said i did. I then told her I was reporting the false claim and accusations of me and that I knew my rights. She quickly then retracted what she said and could not give me a straight response. The call happened on XX/XX/XXXX at XXXX XXXX on a recorded line. The falsified agreement has been disputed as well.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and illegal reporting of multiple charge-offs on my credit report related to JPMCB CARD account XXXX. This erroneous reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as a creditor is legally permitted to charge off an account only once. Any subsequent charge-offs reported for the same account are misleading, inaccurate, and constitute unlawful multiple derogatory listings. 

Disputed Information : Account Name : JPMCB CARD Account Number : XXXX Charge-Off Dates : XX/XX/XXXX Through XX/XX/XXXX According to the FCRA ( 15 U.S. Code 1681s-2 ), furnishers of information to consumer reporting agencies are responsible for ensuring that the data they report is accurate, complete, and not misleading. Reporting multiple charge-offs for the same account misrepresents my financial history and negatively impacts my creditworthiness. Furthermore, under Section 623 of the FCRA, the credit bureau is required to investigate and correct any inaccurate information within 30 days of receiving this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with for inaccurate tradeline data regarding a closed account and they have not complied with FCRA guidelines on any of their responses nor have they resolved my concerns. Capital One account is closed/paid, however they are reporting it as OPEN- allowing HISTORICAL ACCOUNT INFO - No terms apply to closed accounts, Date Closed, High Credit, Activity Designator ( drive last state ), Activity Payment Amount, Date of Last Activity, Charge Off Amount, Pay/Balance/Rating is blank. These fields are used to calculate scores. Please resolve this inaccurate account - verification, and your data is driven by FCRA. Please fix/delete. programming to use comments is never done and should not be done as a resolution. 

Attached are my complaints, responses regarding this tradeline on XX/XX/XXXX and XX/XX/XXXX from XXXX, drivers license and supporting documentation. 

In addition please look at PDF supporting documentation labeled ( Inaccurate tradeline dispute CFPB Capital One ) which has been reported by XXXX  on multiple attempts to dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

[ Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Incorrect Information Reporting on Credit Bureau Dear Sir/Madam , I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a persisting issue regarding the incorrect information that has been reported by credit bureaus from XX/XX/XXXX to XX/XX/XXXX. Despite my attempts to rectify the situation, the credit bureaus continue to report inaccurate details, including incorrect amounts and dates. 

I have recently taken steps to address this matter by contacting the credit bureaus and providing them with the necessary documentation and evidence to support the correction of the inaccuracies in my credit report. However, to my dismay, their response has been unsatisfactory, as the incorrect information persists on my credit report. 

The inaccuracies reported by the credit bureaus have had a significant negative impact on my financial profile and creditworthiness. This has proven to be highly detrimental, as it has affected my ability to secure favorable interest rates, obtain credit facilities, and even hindered my chances of gaining employment in certain sectors that require a thorough credit check. 

I kindly request the assistance of the Consumer Financial Protection Bureau in rectifying this matter. I believe that it is within your jurisdiction to intervene and ensure that the credit bureaus accurately report my credit information. I am confident that with your involvement, a resolution can be reached, and my credit report can be updated to reflect the correct and accurate information. 

Please note that I am available to provide any additional information or documentation required to facilitate the investigation and resolution of this matter. Additionally, I understand that certain personal information may be necessary later in the process for identification purposes, and I am prepared to provide such information when requested. 

I would greatly appreciate your prompt attention to this matter, as it has caused significant distress and inconvenience. I trust in the abilities of the Consumer Financial Protection Bureau to ensure that consumers like myself receive fair treatment and accurate reporting of their credit information. 

Thank you for your time and consideration. I look forward to a favorable resolution to this matter and appreciate your efforts in assisting me.
Product: Credit card or prepaid card

I am writing to follow up with my initial complaints, in which I stated that XXXX XXXX XXXX double charged my capital one bank credit card for a transaction of {$1600.00} for {$3300.00}. Unfortunately however, I still have not received my refund and Capital one bank has continued to charge interest on the fraudulent charge. I am appealing to you to mandate capital one bank to refund the exorbitant interest they have charged on my credit card, and stop further interest charges on this card until the issue is resolved. I am thanking you in advance for your assistance. 

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

This all has too do with Equifax website ( myequifax ). I have tried too use this website since XXXX XXXX with no results. I have contacted Equifax about this problem many, many times and they don't know or care how too fix the problem. Anyhow, when I try too log in too Myequifax site, it will not allow me too log in and keeps coming up with a message that says they are temporarily unable too complete this request, please try again later. I finally had too file a complaint with XXXX  back in XXXX XXXX and still have not received any help on this issue. Now, I have the same problem with their site ( Lock & Alert ).  They finally had a guy call while I was in the hospital that left a message on the aswering machine that he was showing several errors on these websites and too call him and he could help get this corrected. Well, after many months of the same problem, I called him ( XXXX XXXX or XXXX ) on XXXX XXXX XXXX too get some answers and he said he would get back too me the same day or at least the next day and never heard a thing from him. He also suggested that I lift my freeze for good and just lock my report with the product I have with Equifax that I pay for. He says that is the same as having a freeze which is not correct.. I repeated that I need this website too work when I want too lift a freeze and I want these so called errors corrected. I even tried resetting the password even though I had the right one and it said it sent me directions too my email but never received anything in my email. I have even tried different browsers too see if the website would work but the same thing. Sorry, but I am so fed up with Equifax on this subject because they don't seem too care at all and one more problem I have is them is calling me and not being able too understand them enough because they can not speak good English.  Like I said before, I want this website ( Myequifax ) too work like it should work just in case I need too lift my freeze in the future. I do have a pin # too lift it using the automated system but want this website too work as it was intended, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 bureaus have been reporting an account with inaccuracies for a while and I have disputed it with all 3 at least twice before and they refuse to comply to the FCRA. 
1. This account states it has been settled. Under the FCRA 15USC 1681 602A I have the right to privacy and under 15USC 1681 604A Sec2 You are not allowed to furnish an account without my written consent and instruction. 
XXXX XX/XX/XXXXAccount Number : XXXX Delete this account, you have not been given consent or instructions of how to correctly report this account. It is inaccurate such as the dates of activity reporting differently between you and the other bureaus. This account has multiple FCRA violations, delete it! 
I gave them no permission or instructions for this account which is inaccurate down to the different activity dates, dates of last payment, date of account starting etc.
Product: Debt collection

I called XXXX XXXX and told about my situation. Originally I thought it was identity fraud, but really it turned out to be XXXX 's fault in where they failed to transfer something on their part which caused a ghost amount of money to be accrued. They told me that there were 2 sub levels on my account. When I merged the 2nd sub level to the 1st sub level, it caused a device forced buy out which was where the debt came from. But when I talked to a XXXX representative and they checked the merge they saw that the agreement of the phone, XXXX XXXX XXXX XXXX, was not transferred over. I tried to work with the representatives as they continued escalating the case, but in the end they could not deal with it. They told me they keep voice logs of every customer service call, so if you investigate my phone number and their logs you could probably see and listen to the conversations I had. There should be enough evidence if you check from XXXX 's side that the debt I owed is falsified. I also have the escalation number which is XXXX and the call reference number is 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital system is reporting a balance for an account that was never opened by me
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 The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts bolow : XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

this account was sent to collections in XXXX  and then bought by this debt collector stating it was opened in XXXX which they re-aged to make it look recent and stating I owe {$870.00} which it was only like {$450.00}. This account should have been off my credit after so long since XXXX
Product: Checking or savings account

Briefly, I ordered a XXXX ride on XX/XX/XXXX. The XXXX driver billed me for {$570.00} for a trip totaling less than one mile. When I received the XXXX receipt several days after the trip, I disputed the amount immediately. I contacted TD Bank and explained the issue. This issue has been going on for more then four months. I have spoken to XXXX TD Representatives and have received varying responses. My last communication with a TD Representative who advised that they have NOT received any communications from me, despite the fact the the other XXXX representatives I spoke to advised the opposite. I HAVE all the correspondence submitted to TD Bank replete with transmission receipt. The date of my last communication with a TD representative was on XX/XX/XXXX with a XXXX named XXXX. During a conversation with your representative, I realized that the XXXX driver charged the wrong address. In addition, I took the same trip on XX/XX/XXXX to the same place, and for the same reason and was billed {$27.00}. Please help me get the return of my money. Thank You. 

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

I WANT TO FIX THIS SOLUTION OF ME BEING A VICTIM OF IDENTIFY THEFT I CANT UNDERSTAND THE SYSTEM IN FLORIDA IN HOW THE GOVERNMENT IS ALLOWING THESE THIEVES TO STEAL PEOPLE IDENTITY AND ALL ITS DOING IS DESTROYING ARE LIVES. I REFUSE TO BE A VICTIM OF IDENTITY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report XXXX XXXX XXXX on my credit report. This company is illegally attempting to collect a debt in the state of Maryland which it does not have a license. Under Section 1692e ( 14 ), it is considered a violation of the FDCPA for a debt collector to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. This includes falsely representing or implying that the debt collector is licensed, bonded, or affiliated with any government, or that the collection agency is authorized or permitted to collect debts in a particular jurisdiction where it is not licensed. 

Therefore, XXXX XXXX XXXX attemptinge to collect a debt from the state of Maryland where it is not licensed, is considered a violation of the FDCPA under Section 1692e ( 14 ).
Product: Credit card

On XX/XX/XXXX  my credit card issued by Discover was blocked for security reasons. I contact the company to unblock my card and solve the misunderstanding. They requested me a verification process, witch I tried to started on the phone and could not be verified since i was not a XXXX XXXX. 

I promptly requested another way to verify my ID so we could remove the block put on my credit card, that they requested a security deposit of XXXX XXXX XXXX XXXX  to create and I paid, since I was interested on having their card. 

As part of the solution informed by the Discover employee, they send me a form that i had to find a notary and have that notarized, and I did. All the information they requested was sent by their link : http : //www.discover.comXXXX XXXX Supporting documents for the category > I enter my name, last name, and last 4 digits of my SSN. > Upload everything. 

As soon I sent all the documentation on their website, I contact discover at their XXXX ; they informed me i had to wait fo

r 10 business days, to have their team vivificate the information. I patiently wait the 10th business day pass, and today, I contact
them and the representative told me they could not contact the XXXX XXXX XXXXXXXX on XXXX XXXX witch i have an account and had their form notarized. 

I paid for the card, I told the representative on the they the card was blocked was my mistake and requested to unlock it, they requested a verification form notarized, I did what they requested and I still can not use the card I pre paid for.
Product: Debt collection

I have previously told the company that they only have permission to contact me directly and that they do not have permission to contact me through any other numbers. Today was the XXXX call they made to my employer. When I tried to log in to my account to verify that my message informing of the communication instructions had been replied to, I am now not able to access my account. So they called my employer to discuss my debt and then made it impossible for me to get into my account to review the debt or make any payments. 
Furthermore, they are calling my number at leastXX/XX/XXXX times a day which is excessive.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$4000.00}, {$1000.00}, {$150.00}, {$2500.00}, {$860.00}, {$1800.00}, {$1500.00}, {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX   XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1400.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 4. XXXX XXXX XXXX   XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$150.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$860.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$1800.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX Balance : {$4800.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to local branch to access safe deposit box. Was never asked for identification nor did I have to sign in or out of the vault. Anyone could have gained access to my key and completely cleaned me out. I demand that XXXX XXXX at the XXXX XXXX branch in XXXX, RI be terminated immediately along with her loser of a branch XXXX. I have moved my savings and checking accounts out of Citizens after more than 50 years and will never set foot in any of your banks again. Furthermore, I will tell everyone I know what a horrible institution you are. My accounts were previously hacked XXXX times in XXXX year and not XXXX was caught or corrected in a timely manner by your fraud or customer service departments. Your institution is dangerous, callous, and should cease to exist.
Product: Checking or savings account

I had an unauthorized charge every month for XXXX since XXXX and a charge of XXXX. They were pretending to be my XXXX XXXX servicer. I contacted my bank XXXX that I did not authorize this because it was fraud and they responded to the claim telling me that since they provided my social security number and street address that I did infact authorize it and there was nothing else they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please REMOVE any and all fruad alerts on my credit report.
Product: Debt collection

On the date XXXX XXXX, 2017, Law firm XXXX XXXX XXXX threatened to file a civil judgement against me if I did not respond to their fraudulent claim of a civil dispute between us. There is none to my knowledge.There must be a contract between us. Contract Law supersedes all Federal and State Rules, Regulations and Statutes. 

If you are the Fiduciary in this matter, I will need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for you to enter as a third party to this alleged civil dispute, nor to issue letters of threat to my private property or person, including you, reporting to various credit reporting. 

My house is private, my telephone and e-mail are private. My person is private and for private use by myself and by those with whom I may contract. If you are attempting to enter this alleged civil dispute without a contract or my permission, you are in trespass. ( XXXX XXXX XXXX v XXXX XXXX XXXX XXXX ( XXXX ) ). I am not a corporation. 

Produce a Contract, Delegation of Authority, Regulatory Authority or  cease and desist. Unless you are a Secured Party, Holder-in-Due Course, Creditor, Debtor or Signer on the Original Contract, you are a third party. You are a liability and no assistance. Take Notice : You are lawfully and legally dismissed. I will not discuss my Private Affairs with an Unqualified Third Party. 

In your next correspondence, please forward the instrument that establishes my obligation to perform as you request, plus your ID and Delegation of Authority ( to wit : UCC3-501 ( b ) ( 2 ) ) otherwise you will be accepting my offer to provide pen pal services at {$1000.00} per correspondence. If you accept my offer to provide this service, simply send any correspondence other than what I have requested.