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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a XXXX XXXX with XXXX from XX/XX/XXXX until XX/XX/XXXX. In order to qualify to work with XXXX I was required to take and pass a background check and motor vehicle report check. My background check result did not change and was the same from the date of approval until XX/XX/XXXX. Meaning, no additional charges was added or dropped from my report. After speaking with numerous amounts of customer care representatives both at XXXX and XXXX in XX/XX/XXXX and XX/XX/XXXX, I discovered I was discriminated against. I was informed I was ineligible for hire due to my background check results. XXXX or none of the charges pending under the First Offender 's Act law was subject to the " disqualify a person in any employment application as provided in O.C.G.A. 42-8-63-1 ''. In other words the charges against me were not of a sexual, child/elderly abuse offense, or to become a peace officer nature. Review the attached First Offender Act Clause provided to me by my Attorney in XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB complaint # XXXX about inaccuracies on my Consumer Report with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX That account results came back Delete but the closed account still reporting past due violations still reporting accurate payment history on a closed account on my credit report.. 
The issue is that the inaccurate account was supposed to be Deleted but still reported please resolve in delete inaccurate account that was listed as Deleted but still reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off XX/XX/2023. Here is the tracking # XXXX. To remove inaccurate information from my credit report. According to the fair reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not supposed to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

As a federally protected consumer, I am highly disappointed and unsatisfied with Jefferson Capital Systems , LLC. My name is XXXX XXXX and I am making this complaint against Jefferson Capital Systems , LLC for committing identity theft. I have no recollection of authorizing or giving Jefferson Capital Systems any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that claim I owe. I am fully aware that, in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with Jefferson Capital Systems and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XXXX XXXX, I have not received any documentary evidence, such as a trilateral contract, giving Jefferson Capital Systems any right to collect on this alleged debt. I have also never received any documentation requesting validation from Jefferson Capital Systems before they decided to commit multiple federal violations under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by furnishing this alleged debt to my consumer report ; including, but not limited to, 15 USC 1692d ( 4 ), which the FTC recognizes as DEBT PARKING. If Jefferson Capital Systems can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently and unauthorized fraudulent account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, all collection activity and communication expect through mail to above address, of this and any alleged debts until Jefferson Capital Systems can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This includes the furnishing of any information to any credit reporting agencies. If this documentary evidence can not be produced and Jefferson Capital Systems continues its collection efforts, I will file for arbitration and Jefferson Capital Systems will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant XXXX XXXXf. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a police report to all 3 bureaus. Im getting the same automatic emails and responses. They re-inserting fraudulent accounts on my credit report. They saying the accounts are update or verified & they not giving me the method of verification. They not calling any guidelines & letting these accounts reappear on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXXXXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"
Product: Checking or savings account

The undersigned hereby submitting this complaint would like to know the underlying reason of termination of account XXXX & XXXX. Under the Fair Credit Reporting Act ( FCRA ), the undersigned have the right to obtain a free copy of the consumer report by contacting the external consumer reporting agency Early Warning Systems, XXXX, within 60 days. Because deposit account score ranging from XXXX to XXXX, the undersigned expected " closed with a cause '' would lower the undersigned 's deposit account score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes by certified letters concerning information on my credit report and requested verification from the company. The verification they sent me was a print out and did not include my signature as requested showing I ever owed any money to this company. No other correspondence was received nor where any of my credit reports ever updated to show that I was disputing the information on my credit reports.
Product: Mortgage

I fell behind because of Covid. Then coming out struggled with all the other bills as well. From forbearance there was a modification agreement being made and every time 5 times now. The documents were either not sent to all parties involved. Not sorted properly by freedom this ranges from XX/XX/2023 until present however the notarys that freedom sent out did their jobs to the book and still after sending them in. Documents on freedom mortgages side were miss handled or miss placed So finally I asked for the documents to be sent to all three addresses. They said fine. Only 2 would get sent out. This last time. Nothing was sent out. But now they took me off of the modification. Countless communication and still no results. Or I get answers after its too late Now with no where near what I owe my whole family is at risk of losing where they live. All record of communications are in freedoms possession
Product: Money transfer, virtual currency, or money service

XX/XX/23 I was approached at a gas station by XXXX XXXX while traveling through XXXX Kentucky. 
Under the false pretense of having lost his wallet, and needing gas money to travel to Florida- he offered to sell me the items mentioned below. 



{$450.00} USD wired to XXXX XXXX on CashApp - alias XXXX  XXXX in exchange for two XXXX gold rings, and two XXXX gold necklaces. 
Further examination, and similar reports have lead me to the conclusion that the gold jewelry is fraudulent. 

XX/XX/XXXX - XX/XX/XXXX Attempted to request refund from XXXX XXXX, with no response. 

XX/XX/XXXX Contacted CashApp to report fraudulent activity, with no resolution or restoration of monies.
Product: Debt collection

Everyday in XX/XX/XXXX and XX/XX/XXXX I am receiving calls on my cell phone ( XXXX ) number. After speaking to XXXX XXXX on XX/XX/17, she asked what number they could communicate with me on. I gave her my Home number ( XXXX ) the next day they started the Rotary Calls to that number at XXXX XXXX. She also stated that they investigated information on me and stated I had a lot of properties and asked about a person who has a last name as mine who has no connection nor responsibility for my grand-daughter 's Student Loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue was well explained in my complaint report along with supporting documents attached that was first addressed to the Federal Trade Commission and later was referred to your office on XX/XX/XXXX which now have an assigned Case Ref. No. XXXX ( XXXX XXXX XXXX ). 
The result ( s ) of that investigation did not seem to fix the problem as relayed by a cfpb representative thru telephone on XX/XX/XXXX because of a reply stating thereon that the derogatory report on my credit record will remain until after 7 years. A hard copy of that result will be mailed for my reference and record but unfortunately, that copy hasn't been received to this date for my official response. 
In this connection, I would like to request the Consumer Financial Protection Bureau to please go over with the attachments, specifically on the matter about payments made for on my behalf by XXXX ( XXXX XXXX XXXX XXXX XXXX ), a Debt Consolidation company that showed XXXX XXXX XXXX or XXXX/XXXX  had been receiving regular payments without let up since from XX/XX/XXXX till XX/XX/XXXX, and therefore, Charge-Off report by the said creditor is off the question. 
A Charge-Off account means a declaration by a creditor ( usually a credit card account ) that an amount of debt is unlikely to be collected. This occurs when a consumer becomes severely delinquent on a debt. Traditionally, creditors will make this declaration at the point of 6 months without payment. Based on this statement, does it apply to my case? 
In this regard, XXXX XXXX XXXX/XXXX/XXXX has committed unfair, deceptive, or abusive acts or practices that have greatly impacted my credibility.
Product: Credit reporting or other personal consumer reports

Hello. My Nelnet loans are showing up on my credit report as unpaid but have been paid in full for over a year. Today on XX/XX/XXXX I called XXXX and requested a dispute claim. I was told that a form was submitted and the person on the phone unofficially said that the turnaround should be one month.
Product: Credit reporting or other personal consumer reports

Dear Nelnet Loan Servicing, I am writing to you once more to address significant legal concerns regarding the reporting of late payments on my student loan account and the management of my account since its acquisition. As a resident of California, I am protected by specific state laws in addition to my rights under federal law. 

First and foremost, I would like to address an issue with the transfer of my loan from XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX to Nelnet. I have not received full disclosure following this transfer, which is a requirement under federal law. Specifically, under the Fair Credit Reporting Act ( 15 U.S. Code 1681a ), any entity reporting credit information is mandated to maintain accuracy and full disclosure in its reporting practices. The lack of disclosure in this transfer is a concerning oversight that needs to be rectified. 

Additionally, I reiterate my concern regarding the compliance of Nelnet with 15 U.S. Code 1681a. This statute clearly states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should not be communicated without explicit consumer consent. Given this, I request that Nelnet respond, under penalty of perjury, confirming your compliance with these legal requirements and provide evidence or explanation demonstrating adherence to this federal statute. 

Furthermore, as per the stipulations of California law and your privacy agreement, I am officially withdrawing any consent, implied or otherwise, for the sharing of my personal information with non-affiliated third parties, including Consumer Reporting Agencies ( CRAs ). 

To resolve this matter, I require the following actions : 1. Immediate removal of all inaccurately reported late payments from my credit report. 
2. A comprehensive review of my account to ensure all information is accurate and compliant with both federal and state laws, including full disclosures and proof you sent them.

3. An exact original copy of the entire Master Promissory Note, ( which has been pending for more than 3 weeks of my original request ) 4. Written confirmation that these actions have been completed. 

The seriousness of these issues necessitates your prompt and thorough attention. Non-compliance will leave me with no alternative but to seek legal recourse to protect and enforce my consumer rights. 

I expect a prompt and comprehensive response addressing each of these points in detail. 

Sincerely,
Product: Checking or savings account

I was a victim of fraud in 2021. I had XXXX stolen off of me in a couple hours. I contacted reliacard about it and they had me send them a bunch of information including the transaction amounts and dates. They said they investigated and found no evidence of fraud even though it was used in both XXXX XXXX XXXX within an hour of each other. I want to appeal but they are telling me I can't
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my report that either I do not recognize or may have pulled my credit without my permission. I would like these inquiries removed from my report especially since I do not affiliate with most of them in any way. 

These companies include : XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 1ST FRANKLIN XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone Companies Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Bankcard Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address the addition of XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX to my credit report. This address is not associated with me in any capacity. I do not live at, nor have I ever lived at, or conducted any business at this location. Its appearance on my credit report is inaccurate and misleading, and it must be immediately removed along with any associated negative inquiries or debts. 

Details of the Issue : Address Addition : The address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX has been added to my credit report without my authorization or knowledge. I am uncertain how this address was linked to my profile, but it is clear that this is a case of erroneous or fraudulent reporting. 

Negative Inquiries and Debts : Alongside this address, there appear to be negative inquiries and debts falsely linked to my account. I have no knowledge of these accounts, nor have I authorized any transactions or financial activities related to this address. 

Violations of the Fair Credit Reporting Act ( FCRA ) : XXXX, Equifax, and XXXX are required under the FCRA ( 15 U.S.C. 1681 ) to ensure the accuracy of all information contained in credit reports. The addition of this address violates the following FCRA provisions : 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report. 
1681i ( a ) ( 1 ) : Obligation to conduct a reinvestigation of disputed information and correct inaccuracies promptly.

1681b ( a ) : Prohibition on furnishing a consumer report for unauthorized or impermissible purposes.
Product: Debt collection

I only recently found out about this collection activity. It has been on XXXX for years apperantly. I had a legal service that said they could never find out where the debt originated. I have never ( in the 7-8 years at my current address ) even been notified by this collection company of any debt owed or otherwise to be able to dispute. When i did find out from XXXX, i could not dispute for whatever reason. 
Now its on another credit XXXX and I cant bring it up. 
These people have by holding secret from me, cost me probly thousands in high interest rates not to mention kept my score artificially low causing undue stress over a low score. If you see my credit report you will see no missed payments, late payments, non payments for years. any time i have been notified that I owe money it has been promptly paid. Had i known that there was a bill out there I would have made contact and delt with it. I am absolutely going to take whatever recourse ( which as you know i likely have none ) to be able to hold this company responsible for years of holding me back artificially with my credit score. I am disgusted with this credit system where the people who are kept down FOR WHATEVER REASON get screwed for years by a complex and underhanded system designed to never be able to get ahead. What a horrible way to treat American citizens. Rash and Curtis should be disbarred for what they have done to likely lots more victims than myself. 
XXXX XXXX XXXX