23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX Jeffersons Capital systems LLC XXXXXXXX XXXX  : XXXX XXXX XXXX, XXXX, CO XXXX Subject : Dispute of Collection Account ( Law : 1681.0 ) Civil Liability Negligence and Non-Compliance Dear [ JEFFERSONS CAPITAL SYSTEMS LLC ], I am writing to formally dispute a collection entry listed on my credit report under Law : 1681.0. After thoroughly reviewing the details of the account, I believe that this collection is based on civil liability negligence and non-compliance with legal requirements.

Here are the specific reasons for my dispute : 1. Civil Liability Negligence : I believe that the collection was initiated or pursued without due legal basis or proper documentation. The actions taken by the creditor or collection agency may have violated relevant legal principles or processes that would have protected me as a consumer.

2. Non-Compliance with Legal Obligations : The creditor or collection agency has failed to comply with the necessary regulations as outlined under applicable laws, specifically like the Fair Debt Collection Practices Act ( FDCPA ) or if not many others. For example, they have not provided required notices, failed to validate the debt when requested, or did not follow proper procedures in accordance with legal requirements. 

Due to these issues, I am requesting that you conduct a thorough investigation into this matter and take appropriate action to either remove or correct the collection entry from my credit report. 


Please provide a detailed response and the results of your investigation in writing. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. 

Sincerely, XXXX XXXX XXXX.
Product: Credit card or prepaid card

My identity was stolen about XX/XX/2018 and someone opened 3 total accounts in my name. 2 of the accounts are resolved with phone calls and conversations. The third account is not. I submitted the information about identity theft, but they determined that I benefited from the use of the card for purchases in CT even though I live in PA and have never traveled to CT in my life. The third account was for a pet store. I have no pets. I closed the account immediately upon learning of its existence. 

I did not open this account, I did not use this account. I did not benefit from this account. Given the clear evidence that my identity was stolen for other accounts, this seems like an unfair and arbitrary determination by the bank. 

The bank is XXXX XXXX. The account number is XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX  XXXX Dillburg, PA XXXX. 

I have attached follow up mail from XXXX regarding the fraudulent attempt to obtain a XXXX XXXX card in my name as evidence of the identity theft and A XXXX denial based on failure to verify identity.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified inaccurate information that has been continuously verified as accurate by XXXX, Experian, and XXXX, despite my previous disputes. This ongoing reporting of incorrect data violates the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( a ) and 623 ( a ), which mandate the removal of unverifiable or inaccurate information. 

I have attached evidence proving that the information in question is inaccurate, and the credit bureaus have failed to correct it. This is a clear violation of my consumer rights. I urge you to promptly investigate the attached proof and remove this inaccurate information from my credit report.
Product: Mortgage

I submitted my completed paperwork for a loan modification this month and they refuse to postpone my foreclosure scheduled for  XXXX   XXXX ,  2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to to express my concern regarding fraudulent items on my credit report. I recently discovered several entries on my credit report that were not authorized or initiated by me, causing significant financial damage and negatively impacting my credit score. To elaborate, these fraudulent items include credit accounts that were not opened by me, as well as charges and loans that I did not initiate or receive. The total amount of these entries is substantial and is causing harm to my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$290.00}. Despite my efforts to dispute these items with the credit reporting agencies and creditors involved, I have not received a satisfactory resolution. I have provided documentation and evidence of the fraudulent activity, but the items remain on my credit report.
Product: Checking or savings account

Received a notification from my banking app with N26. Was told that I needed to resubmit my identification again, for security reasons. I submitted my ID again to the app. This was yesterday on XX/XX/XXXX. Today, on XX/XX/XXXX, I receive an email that my account is now closed with no warning. I call N26 up on the phone, and after being on hold for 2 hours, I'm told my account was closed because of a new system update in place, I can open a " new '' account, and I may not speak to a supervisor.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax XXXX XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax XXXX XXXX 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 XXXX XXXX  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 XXXX XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I bank with XXXX XXXX XXXX XXXX. My online banking was hacked XXXX. I received a text message from a hacker pretending to be my bank stating that my account was locked and that I need to log into my account to unlock it. I did log into my account and then I called my bank to let them know what was going on. My bank stated that my account was fine and my account was not locked. At this time, I was unware that this text message was actually fraud. The following day XX/XX/XXXX, I received a email from XXXX XXXX XXXX XXXX stating that {$2200.00} was taken out of my checking account and moved via 'external transfer ' to an account for XXXX XXXX XXXX I have never heard of XXXX or have any relationship at all to that bank. I had to wait until XXXX XXXX to hear from XXXX XXXX XXXX XXXX becuase of the XXXX XXXX XXXX I called XXXX  ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX fraud department basically told me that there was nothing they could do to get my {$2200.00} back and the only thing they could do was change my account number so that the hacker no longer has access to it. I filed a police report for the fraud activity and I also got contact with XXXX who let me know that the account number that my money was sent to was actually for a bank by the name of MoneyLion. I contacted MoneyLion bank on XX/XX/XXXX and they stated that the money that was stolen from me was no longer in that account and they had no way of getting my money back to me. MoneyLion did close that fraud account and sent a email to me confiming this. I still have no way of getting my {$2200.00} back and do not any other steps to take so I am praying that you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/XXXX, I have noticed a fraudulent account Account name, XXXX XXXX XXXX 
Account number XXXX Date opened XX/XX/XXXX Date closed- Balance XXXX Account status open past due XXXX as of XX/XX/XXXX Last payment date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE CREDIT BUREAUS HAVE NOT REPORT MY INFORMATION ACCURATELY, THEY HAVE FAILED TO REPORT MY CREDIT FAIRLY BY LAW THROUGH THE FAIR CREDIT REPORTING ACT THAT IS THERE TO PROTECT PEOPLE AS ME WHO IS IN SUCH A SITUATION LIKE THIS, NEVER HAVE I GOT NOTIFIED ORALLY OR WRITTEN. THIS IS UNFAIR PRACTICES AND NOT JUSTICE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Potentially Negative Status Open. 
Account Type Auto Loan Balance {$7900.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX XXXX Potentially Negative Status Open. 
Account Type Auto Loan Balance {$9600.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX  XXXX XXXX Potentially Negative Status Open. 
Account Type Credit card Balance {$50.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - XXXX XXXX  XXXX XXXX - Date Opened XX/XX/XXXX XXXX  XXXX  XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX - NOT MINE. 
XXXX XXXX {$470.00} Date Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have written transunion XXXX XXXX to remove my private information of my bankrupcty from my reports and they lied and wrote back the court gave them the information in which i filed the same letter to the courts in which wrote back they didnt give them my private info... this is a huge disrespectful violation of the laws 15 u, s code 6801 i have consumer protection sections 15 u, s code 6801 XXXX  ( a ) has been violated also ( b ) also sec ( XXXX ) states to insure the security and confidentiality of customer records of information section ( XXXX ) and ( XXXX ) another violation of u, s code 6801 to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer... 

all three credit reporting agencies keeps responding with eoscar automated letters and refuse to obey my privacy rights they do not have any hand written information from me i have been battling this since XXXX and each reponse tells me they verified with courts the courts wrote they dont share my info and are not affilated please have them remove bankruptcy enclosed is prof the court systems the provider isnt lawfully listed this is identity thef on their end..
Product: Credit reporting, credit repair services, or other personal consumer reports

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the XXXX  to XXXX 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Product: Debt collection

I don't know what this is! I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim..
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing 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 Balance : {$18000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$2700.00}.
Product: Debt collection

On XX/XX/XXXX, I received a debt collection notice in my deceased Mother 's name from REVCO SOLUTIONS XXXX Inc. Reference # XXXX for the amount {$3300.00} as of XX/XX/XXXX according to XXXX XXXX XXXX XXXX In an effort to resolve this matter on XX/XX/XXXX I called REVCO and spoke with representative XXXX attempting to explain the situation. I informed her that this matter had already been resolved on XXXX XXXX, XXXX through the New York State Department of Public Service case # XXXX. After my attempt to explain, Representative XXXX stated, " look are you going to pay or not? '' Squatters had taken over my Mother 's house when I moved her into a XXXX ASSISTED LIVING Facility in XX/XX/XXXX. I promptly started Eviction Proceedings with an attorney. 
Working in the capacity of my Mother 's POA agent, every month, when the XXXX XXXX arrived, I called to implore with the agents to turn off the electricity because the squatters refused any responsibility for their utility usage and had NO intention of paying any bills. I spoke with many XXXX agents, XXXX being one of last. She stated " we are NOT allowed to turn OFF utilities according to the Governor 's COVID ruling. '' I had to pay up to XX/XX/XXXX confirmation # XXXX. 
After receiving several FINAL TERMINATION NOTICES from XXXX and causing much confusion through our many conversations, I contacted the proper authorities.
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX nor TransUnion to run my credit report
Product: Checking or savings account

I borrowed some money awhile ago. It is something you borrow until your next pay. It was sent for collection. I don't understand why when they could have gotten the money out of my account weekly like it is set up too come out from next Deposit. Allow me too pay it off. They said it was discharged in XXXX. I have been with them for almost 20 Years. If I owe the money they could have taken and had me garnished. I never said i would not pay it back, just skipped my mind. I had money in XXXX and XXXX and they never went after the money in 2 Years. So they knew my Tax Check was coming too my Savings because I do direct Deposit each Year. My Tax Check was Deposit XX/XX/XXXX. Not even 2 weeks in my Account they went and took 85 % of my Savings and put me in a Hardship because it hit without notice. They were laying and waiting for this chance. Which they could have warned it was coming out or took it 2-3 Years Ago. This is Unfair Practice too take that amount
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX To Whom it May concern, It has been brought to my attention that as a victim of Domestic Abuse and XXXX XXXX I have rights. Please block this information from my credit report within four business days, pursuant to section 605C of the fair credit reporting act. The following negative items have made it impossible for me to move. I demand that you remove all the following. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX The following inquires must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I made an error and let pressure get the best of me. I was also lied to by the salesman about many details which were obviously selling points for him I was pressured into a 4 year lease with XXXX payments and paid XXXX down. 

The contract, which isn't final because the dealership has not secured funding, is 100 % dealer driven profit and includes absolutely nothing for the consumer. 

I hope to re negotiate the terms and not be stuck upside-down in a 4 year lease with payments hovering XXXX I have contacted XXXX XXXX XXXX, and hope to work something out that is fair -- not a trade you would get at a buy here pay here.
Product: Credit card or prepaid card

In XX/XX/XXXX, my mother used my Discover card ( Account # XXXX ) for an auto mechanic purchase of {$800.00} without my knowledge. When I received my statement and asked my mother about this, she told me she did n't have the money at the time and needed to use my card and would pay me back. 4 months later, she was diagnosed with XXXX XXXX XXXX XXXX and became bed ridden and retired from work and was never able to repay me and passed away in XX/XX/XXXX. Due to my emotional stress and personal nature I neglected to report this claim and as the interest accrued over an illegal purchase discover eventually contracted to relieve me of my debt but their law office ( XXXX XXXX XXXX, XXXX. ) continued to attempt debt collection breaching the new contract Discover Card had made with me and is now attempting to garnish wages based off this false claim of debt. Discover card claims that this is a breach of their Cardmember Agreement of which I do not have a copy of nor do I have any proof of signature that I signed this document.
Product: Debt collection

We paid off the debt, which happened to be an oversight on our part regarding a hospital bill which we thought had already been paid, and PMS ( http : //pmscollects.com/index.html ) has been fully compensated for the amount ( ~ {$500.00} ).
Since this has been paid, we expected them to discharge this from active status on my credit report. I spoke to a manager ( male who would not provide his name ) on XXXX XXXX, 2017 and he promised to resolve the matter with the credit reporting bureaus as well as send a letter to us confirming that it was resolved.
However, we never received a letter and the account still shows as active on my credit report. In addition, this was resolved more than a year ago.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024, XXXX reached out to Affirm for assistance regarding a refund for a canceled order with the vendor " XXXX XXXX '' associated with a loan ID XXXX for {$1500.00}. The vendor canceled the order, but failed to communicate the cancellation to Affirm, resulting in XXXX being continuously charged despite the cancellation. 

Key details and actions taken : Date : XX/XX/2024 Loan ID : XXXX Loan Amount : {$1500.00} Issue : Vendor canceled the order but did not inform Affirm, leading to ongoing charges. 

Actions Taken : Initial Contact : XXXX initiated a chat with Affirm 's assistant at XXXX XXXX  to request assistance with a refund. 
XXXX Involvement : Thalia P from Affirm joined the chat at XXXX XXXX to assist XXXX. 
Refund Issue : XXXX explained that the vendor canceled the order but did not communicate this to Affirm. Affirm continued to charge XXXX despite the cancellation. 
XXXX XXXX : XXXX confirmed that there was no refund reflected on XXXX loan from the merchant, and requested the exact date when the merchant processed the cancellation. 
Dispute Initiation : XXXX informed XXXX that Affirm has a process for disputing a loan and initiated this process. 
Timeframe for XXXX : XXXX mentioned a XXXX business days timeframe for Affirm to receive the refund from the merchant. 
Proof Requirement : XXXX noted that Affirm 's relevant department required more proof from XXXX regarding the refund processed by the merchant. 
Existing Dispute : XXXX acknowledged that XXXX had already filed a dispute, but it was beyond the XXXX eligibility window for Affirm to open a new dispute. 
Final Recommendation : XXXX advised XXXX to work directly with the merchant to resolve the issue since it was beyond Affirm 's eligibility window for dispute resolution. 

XXXX expressed dissatisfaction with the situation and indicated an intention to file a complaint with the Consumer Financial Protection Bureau due to the lack of resolution and continued charges by Affirm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

CHILD SUPPORT ENF AGXXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX XXXX XXXX {$33000.00} ; U S DEPT OF EDXXXX XXXX Balance : {$38000.00} XXXX XXXX XX/XX/2XXXX XXXX XXXXXXXXXXXX XXXX XXXX.
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX XXXX XXXX