23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Cease and Desist Request Regarding Credit Reporting Dispute To Whom It May Concern, I am submitting this formal request regarding inaccurate or unauthorized information on my credit report, which has been reported by JEFFERSON CAPITAL LL . I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to request the removal of this information and a formal investigation. 

The inaccurate information I am disputing is as follows : Account Name/Number : XXXX Creditor/Collection Agency Name : JEFFERSON CAPITAL LL Issue Description : This account is not mine. 
I have already contacted the reporting company but have not received a satisfactory resolution. Therefore, I am formally requesting that the CFPB investigate this matter and ensure compliance with federal laws governing fair credit reporting. 
I request the following actions : 1. Immediate removal of the inaccurate information from my credit report. 
2. Confirmation that all credit reporting agencies have been informed of this correction. 
3. Assurance that this issue will not recur. Failure to address this issue promptly could result in further action, including complaints with additional regulatory bodies or legal action to enforce my rights under the FCRA. 
Please contact me at ( XXXX ) XXXX or XXXX if further information is required. I look forward to receiving confirmation of the resolution of this matter within the timeframe mandated by law. 
Sincerely, XXXX XXXX
Product: Debt collection

XXXX = XXXX XXXX XXXX I received a letter in XX/XX/XXXX that the debt collector XXXX XXXX XXXX, that has bought a debt from Fifth Third Bank, closed my debt account after they did not adhere to the FCRA debt validation process. {$290.00} was taken out of bank account by Fifth Third Bank without any written notification or phone calls. I previously verified the debt was owned by XXXX XXXX XXXX by mail. I did not receive any documentation by Fifth Third about the debt. 

My local Fifth Third branch banker sent me to someone else who I spoke to at XXXX today at the XXXX XXXX location in XXXX, OH. She said that I was scammed and didnt know what I was talking about. She refused to talk to the collections department she called about my concerns specifically reviewing the paperwork I brought from XXXX verifying the account was closed. She would not look at it and advised me to just pay the money today. She gave me a non-working number for the collections department. She also said there was no one I could dispute the debt with. I attempted to called her office number and it was as for someone else. Im attaching all the paperwork. 

I need the money back because I have already settled the debt with XXXX. Based on the FCRA laws and how I only received documentation about this debt. Fifth Third Bank sold the debt to XXXX without notifying me. When XXXX notified me of my account with their debt collection being closed, I was informed in writing that they were no longer pursuing the debt. Documentation is attached. 

Fifth Third Bank would have had to repurchase the debt. Fifth Thirds banker merely stated that the debt was charged of to collections in XX/XX/XXXX. She did not provide any paperwork. I received the documentation from XXXX in XX/XX/XXXX. I need for Fifth Third Bank to explain when the debt for {$450.00} to their bank was repurchased by their bank. XXXX needs to provide the original validated documentation. I have done my part and yet Im still be held responsible for a debt I am not obligated to pay.
Product: Credit card or prepaid card

All of the following are accounts there were opened with identity fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate items being listed on my consumer report. Its now 44 days later and I have not received a response back yet. My consumer report is causing me grave injury due to the inaccurate reporting and I feel like Im seriously being taken advantage of. I have read the fair credit reporting act and section 611 ( a ) states failure to investigate these items within 30 days gives a reason to immediately remove the items from my consumer report. Its been well over 30 days, in fact tomorrow XX/XX/2022 will make 45 days and still no response yet so the items that are reporting inaccurately should be removed promptly. I demand these accounts to be deleted immediately or I will file for litigation for the injury and emotional anguish this matter is causing me. I also recently found out my information has been impacted by the XXXX XXXX XXXX and may have been exposed to the wrong person.
Product: Debt collection

I've disputed this debit more than 7 years old closed out on my credit report and re-aged on 3 credit bureaus. This was closed and last payment was XX/XX/year> which shows in past reports for all 3 credit agencies who are re-reporting this again. I have uploaded screen shots for your review. Credit bureaus are running my credit and I have to close on a new home in 30 days. This false reporting dropped my score XXXX points. Please help as this is not fair after 7 years this is suppose to fall off my report and remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX XXXX  AND XXXX  IS REPORTING IN WORNG INFORMATION ON MY CREDIT REPORT.
Product: Debt collection

I told them to leave me alone as the debt wasn't valid. They never validated the debt but continually call me. When they call, they don't leave a message. They just call from numerous different numbers several times a week. I answer but no one says anything. I have to XXXX or call the number back to find out who it is. I want them to stop calling me! It's harassment at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX Experian XXXX XXXX XXXX. XXXX XXXX box XXXX XXXX, TX XXXX RE : XXXX XXXX. You Violated the United States XXXX XXXX XXXX XXXX. XXXX. I demand you to comply NOTICE, this letter is a follow-up to the original letter I sent to your company. It seems that you are being willfully noncompliant. Specifically about the following unauthorized, false and fraudulent credit inquiries that were made by the following companies : Inquiries in Dispute : XXXX. XXXX XXXX XXXX this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately The Inquiry was reported on XXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase Permissible purpose literally means that there must be a reason that they pulled my credit and that it must conform to the FCRA this doesnt and needs to be removed. The XXXX was reported on XXXX XXXX. XXXX XXXX this XXXX for fraudulent reporting becuase Permissible purpose literally means that there must be a reason that they pulled my credit and that it must conform to the FCRA this doesnt and needs to be removed. The Inquiry was reported on XXXX XXXX. XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately The Inquiry was reported on XXXX XXXXXXXX XXXX XXXX Delete this XXXX for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply- remove immediately The XXXX was reported on XXXX XXXXXXXX XXXXDelete this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply- remove immediately The XXXX was reported on XXXX XXXX. XXXX Delete this XXXX for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply- remove immediately The XXXX was reported on XXXX XXXX. XXXX Delete this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply- remove immediately The Inquiry was reported on XXXX XXXX. XXXX  XXXX XXXX  this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply- remove immediately The Inquiry was reported on XXXX XXXX. XXXX
Product: Checking or savings account

The following Citi Checking Account ending in : XXXX is a fraudulent checking account and debt of {$750.00}. I never applied for the checking account, and the checking account and debt is fraudulent and dont belong to me.
Product: Mortgage

We were giving a XXXX  month forbearance for a XXXX  disaster in XXXX, XXXX & XXXX, so XX/XX/XXXX when i went to resume my payments they would not accept my payment they said i needed to pay XXXX XXXX & XXXX first before i could resume making my mortgage payments when we were giving the XXXX  month forbearance they said the XXXX   months of payments would be put to the back of the loan never did they tell us after the XXXX XXXX XXXX XXXX we would have too pay XXXX  months at once XXXX payments was suppose to be put to the back of our loan i have called every week trying to make our monthly payment then tell me my loan is protected untill they get it fixed then we get a letter in the mail that says Foreclosure process has begun we are senior citizens we need our home i just need our mortage fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all unauthorized Information on my credit report with transunion. checking my file ive noticed alot of incorrect information that is hindering my file please update the information requested correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX CO Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

XX/XX/XXXX I applied for an Apple Card through an article found on appleinsider.com and it stated that I would be able to receive {$75.00} in XXXX XXXX by clicking their referral link, creating a card and making a purchase within 30 days. Given the incentives I made an account and I have noticed that I did not receive the credit after making a purchase and when I called the customer support they continued to deny my claims and insisted that I did not qualify due to terms and conditions that I did not follow, such as that I applied for the card before the offer became available. After being transferred to XXXX different representatives, they changed the rhetoric saying that I simply didn't qualify for the credit, which didn't make any sense as my family all applied on the same day as I have, while adhering to the same rules and conditions and they were able to receive their {$75.00} in XXXX XXXX. After an unsuccessful resolution I received a follow up email, stating almost the same thing as mentioned on the phone however the email now states that I needed to receive the offer directly through an email they would send me as well as " spend ( ing ) {$75.00} or more in total on the new Apple Card account within 30 days of opening '', It also states that I needed to apply for the card between XX/XX/XXXX - XX/XX/XXXX. None of these terms and conditions were stated anywhere in the referral link to the Apple Card application and when I revisited the exact page on Apple 's website these kinds of information remain missing.
Product: Credit reporting or other personal consumer reports

Experian Experian Information Services XXXX XXXX XXXX XXXX, TX XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : Collections Please be advised that as of ( XX/XX/2024 ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : Account : XXXX XXXX XXXX  Account Number : XXXX Account XXXX XXXX  Account Number : XXXX Account : XXXX  Account Number : XXXX Account : XXXX XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXX Account Number : XXXX I want to be explicitly clear with my request. I am not requesting VERIFICATION of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to provide me with said requirements within the generously allotted time period of 30 days, by federal law you are required to remove the accounts from my consumer reports without prejudice. Also, according to FCRA laws while investigating this matter you must remove above -mentioned account from my credit report while under investigation. 



Warm Regards, Without prejudice, all natural inalienable rights reserved.
Product: Credit card or prepaid card

In accordance with the fair credit reporting act this creditor has violated my rights under 15 US C1681 section 602 states I have the right to privacy 15USC 1681 section 604 a section 2 it also states a consumer report agency can not furnish an account without my written instructions under15 USC 1666B states a creditor may not treat a payment on credit card account under an open and consumer report credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that reversing lost funds was impossible and the tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXX XXXX XXXX XXXX XXXXXXXX Please investigate this account and remove if theres anything missing
Product: Student loan

I 've attended and graduated from XXXX in XXXX, with what was suppose to be an accredited XXXX degree in XXXX. Only to my surprise I found out that my degree program was not accredited until XXXX, 18 months after graduation. ( A total misrepresentation ), The disbursement to XXXX for me to attend was {$18000.00} with payments to begin on XXXX ; I 've been making payments every month and on time since XXXX ' and my balance is still {$13000.00} today with Navient. I 've paid over {$34000.00} out of my pockets over the years, working various entry level jobs that was paying no more that {$9.00} - {$11.00} usd Hr. I was told and promised on may of occasions to not worry about paying my student loans because I would be making enough to pay back and maintain my livelihood ; Which was not true, because its been a struggle ever since I enrolled many years later.When will the repayment END.It felt wrong then and I feel wronged today, only because there is nothing I can do about it.I hope CFPB can reach a settlement very soon, so that I can move on with my life, and try to forget the many years of torment and threats of repaying an over priced student loan for a non-accredited XXXX degree program from the then XXXX SCAM!! featuring Navient and XXXX ponzi sceme.
Product: Credit reporting or other personal consumer reports

I have sent my XXXX data breach claim number XXXX and XXXX regarding accuracy of this debt each company especially XXXX who has breach my personal information in previous complaint thru CFPB complaints
Product: Debt collection

The company is trying to collect a very high debt that they are suggesting is mine by reporting it to collections and damaging my credit. I have never recived a phone call, letter, written statement expressing a collection or any other form of communication suggesting i owe anything to this company. I dont even have contact information for them.
Product: Credit reporting or other personal consumer reports

All 3 credit bureaus were contacted for dispute purposes. XXXX XXXX was the ONLY one that I was successful in getting actual and beneficial assistance from! Their help resulted in the removal of a derogatory report and an increased credit score which was my goal. I got nowhere with my calls to the other two. They were discouraging, not really listening, non caring, provided no dispute instruction, eager to get me off the phone altogether, etc. This occurred on at least XXXX occasions : in late XXXX and early XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  does not conduct a thorough investigation on account submitted by Navy Federal Credit Union reporting a failure to pay on XX/XX/2018 that involves a fraudulent credit back to Navy Federal Credit Union deposited by XXXX XXXX XXXX , XXXX My minor child was connected to all accounts and currently has her account in good standing. Navy Federal Credit Union in XXXX Maryland made a bad deposit and/or was unable to recover funds from XXXX XXXX XXXX that has nothing to do with me. Navy Federal Credit Union failed to perform a thorough investigation on said account ; If so the person that made deposit would have been notified which was a US Marshall. 

Both XXXX and Navy Federal Credit Union does not investigate their own errors. Both companies use XXXX to monitor my consumer activities in a fraudulent manner. Not sure why they follow rules to damage credit but negligent on resolution from day 1 of any dispute I've sent and/or inquired about over 4 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am getting fed up with everyday statuses changing on XXXX XXXX. The issue with XXXX XXXX is NOT resolved. They have been reported to OCC and Financial Ombudsman AND XXXX AND CFPB. They have charged credited and recharged an amount for {$1000.00} since XXXX. IT IS NOT RESOLVED. I paid the {$1000.00} because of the negative on my account, BUT I AM STILL AND WILL CONTINUE TO FILE COMPLAINTS UNTIL MY {$1000.00} IS RETURNED. CFPB has repeatedly NOT DONE THEIR JOB.!! I HAVE NEVER HAD AN AMT OF {$1400.00} ON ANY OF MY 2 CREDIT CARDS WITH XXXX XXXX. My allotted amounts are {$1200.00} and {$1300.00}!! I WOULD GET DECLINED IF I REACHED XXXX!!! and why would the balance be the same EVERY MONTH. I'm about to file suit against EVERYBODY INCLUDING CFPB!! I'm fed up with this. As far as XXXX XXXX. It is supposed to be removed. I have ONE ACCOUNT NOT 3 AND SHOULD NOT SHOULD PAYMENT HISTORIES FROM XXXX UNTIL XXXX WHEN I FILED BKXXXX AND STILL DISPLAYS AMOUNTS ON XXXX!!! I WANT PAYMENT HISTORY REMOVED AS PER REQUEST BY OMBUDSMAN IN XXXX!!! I WANT PAYMENT HISTORY AND ACCT FROM XXXX XXXX REMOVED AS WELL AS PAYMENT HISTORY SINCE CONSOLIDATING. I WANT RESOLVED ON MY XXXX  XXXX REMOVED. I PAID IT BUT XXXX IS STILL OWED TO ME FOR BECAUSE I WAS DEFRAUDED BY A DEALERSHIP AND XXXX XXXX HAS ALLOWED IT. THERE IS A COMPLAINT WITH XXXX XXXX XXXX FILED
Product: Student loan

Ive asked Navient about my options to be able to afford the payment theyre requesting. I was told they have an affordable repayment program which still exceeds what Im able to afford. 

Ive asked them to minimize calling because its disruptive. ( On average, I get about 4-5 calls before XXXX ). 

That is harassment. 

I even asked that they stop calling, theyve called at least XXXX times since. 

Thats harassment. 

Im trying to communicate with them so we can come to a middle ground, but Ive already gotten written up because of how often theyre calling. My boss thought I was lying. 

This is ridiculous. And Im sure its not legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt since credit burea 's still have failed to respond to my previous disputes. This company is in direct violation of the FCRA and my consumer rights. I will be seeking monetary damages for willfull noncompliance and negligence if this matter isn't resolved immediately.

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

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  {$60000.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2300.00} 09 XXXX XXXX Opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY FOURTH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.