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

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I have contacted the FTC and local police department. I am now reaching out for your help with this issue. I need this items deleted from my credit report : 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

On recently changing my auto insurance policy from XXXX to XXXX, I was advised by my insurance company ( XXXX ) of an adverse affect on my premium from my credit report provided to them by Experian. Because of the adverse effect, I was entitled to a free copy of my report from Experian. I first tried to obtain this report through Experian 's Website. I was told that it could not be processed at that time and that I should try again later. I tried later and received a message that it could not be processed and that I should call their telephone number. I called their telephone number and received a series of prompts, none of which covered my problem or allowed me to speak to a person. The only prompt, close to my problem, was to purchase a copy of the report. Without a copy of the credit report, I can not contest whatever caused this adverse report. I feel Experian 's telephone center has been set up to exclude people from talking directly to an Experian representative.
Product: Credit reporting or other personal consumer reports

Here I am again, disputing the same credit bureauTransUnionfor its repeated and willful refusal to comply with federal law. Despite submitting multiple disputes and making clear, lawful demands for verification, TransUnion continues to report a fraudulent XXXX XXXX account ( Account # XXXX ) on my credit file without providing a single piece of legitimate documentation. This conduct violates multiple provisions of the Fair Credit Reporting Act, including 15 U.S.C. 1681b ( no permissible purpose ), 1681e ( b ) ( failure to ensure maximum possible accuracy ), and 1681i ( a ) ( failure to conduct a lawful reinvestigation ). I have specifically requested the original contract bearing my wet signature, the name and contact information of the creditor, the identity of the TransUnion representative who allegedly verified the dispute, a sworn affidavit under penalty of perjury from the party furnishing the information, and a detailed description of the procedures they use to ensure accuracy. None of these have been provided. Instead, TransUnion continues to send generic, automated responses that do not satisfy legal reinvestigation standards. Even more troubling, neither XXXX nor XXXX reports this account, raising serious concerns about the validity of TransUnions data and its compliance with federal accuracy requirements. TransUnion is knowingly reporting false, unverifiable information and has failed to remove it despite repeated noticethis is not just negligence ; it is willful noncompliance. Their agency has in fact committed AGGRIVATED IDENTITY THEFT and I've sustained defamation of character as a cause of this matter. Under 15 U.S.C. 1681n and 1681o, TransUnion is liable for statutory, actual, and punitive damages. I am asking the Consumer Financial Protection Bureau to intervene immediately, enforce compliance, and hold TransUnion accountable. This account must be permanently removed from my credit report, and I request written confirmation along with an updated report reflecting its deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX* Balance Owed : {$410.00} Date Opened : XX/XX/2020
Product: Debt collection

Several attempts have been made to pay in full and close account of victoria secret credit account manage by comenity bank, the first being on XXXX when I was verbally told the account was paid in full and the account would be closed. a payment of XXXX was also made on XXXX on XXXX a minimum interest charge on a balance that was supposed too be XXXX occured. This resulted in XXXX more late fees, and XXXX minimum interest charges over the next few months on an account that had assumingly been paid in full and closed. on XXXX Comenity bank acknowledged the confusion and credited back XXXX $ worth of late fees to my account, and again was supposed to close the account. Today, my husband and I contacted Comenity bank again and there was an outstanding balance of XXXX XXXX This was paid and again the account was asked to be closed ( however it still remains active ). There seems to be a late fee/minimum interest charge that we can not seem to get out of. Also we have been reported to the credit agencies for balances unpaid for the late fee/minimum interest re-entry syndrome. This re entry syndrome also occured on XXXX.
Product: Debt collection

I don't have any information other than the collection agency name radius global and a amount this just showed up on my credit report i don't remember owning anyone the amount they claim i owe. I turned everything in on my bankruptcy 2 years ago
Product: Credit card or prepaid card

Been trying to get my money refunded after someone stole all my money from my card and bank of America keeps declining my dispute and will not provide me a reason why it's been two years back and forth with this bank
Product: Credit reporting or other personal consumer reports

After carefully reviewing my most recent credit report, I noticed that several accounts were added that I have zero knowledge of. I did not give permission to use my signature or authorization to any of these credit reporting agencies. Here are the accounts : XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion  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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX {$32000.00} XXXX XXXX {$350.00} XXXX   XXXX {$360.00} XXXX XXXX {$830.00} XXXX XXXX {$1000.00}
Product: Debt collection

Representative called and wouldnt let me speak and raised her voice at me. 

I ask to speak to her XXXX and she put me on hold. Then said if I have the XXXX call you back you cant be taken off the no call list. 


In other words - you cant complain or speak to anyone but me or we will contribute to harass you. 

This was not my debt.
Product: Credit reporting or other personal consumer reports

My account with XXXX AND DPT EDXXXX was never late! I have had exceptional payment history witHXX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX AND DPT EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint against Jefferson Capital System Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Jefferson Capital System for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ). 

1. **Failure to Provide Validation Information : ** Jefferson Capital System has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question.

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account.

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that Jefferson Capital System ceases such practices immediately. 

4. **Failure to Provide Disclosures : ** XXXXXXXX XXXX has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

5. **Cease and Desist Order : ** I dispute all debts claimed by Jefferson Capital System , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation. 

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between Jefferson Capital System and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of Jefferson Capital System. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing XXXX fraudulent inquiries from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX  XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Debt collection

I have made several attempts on my own to reach a understanding of the additional fees accumulating on my account and was unsuccessful. In XXXX of XXXX, I asked an attorney to assist with reaching a resolution. The attorney sent a letter and was able to get a full detailed record of the account in XXXX of XXXX but was unable to get a response to the request to explain the fees, which was the original request. The attorney representing me was referred to a attorney at Real Time Solutions and she was told they have only two attorney 's and they would get back to my representative as soon as they can. As of today, my attorney has followed-up with several phone calls and no return call or letter response received. I would like to reach a resolution for this account but unable to get answers from anyone. Its been more than six months and we have not been able to talk to someone.
Product: Credit reporting or other personal consumer reports

Could you please assist me with the negative items on my report? Ive already submitted the XXXX requested documents, the dispute letters, and the details of the accounts I want removed.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX. I contacted XXXX XXXX or XXXX XXXX to speak with her on behalf of why I was denied a line of credit she then stated that she worked for care credit and could assist me in getting approved. I transferred money to her XXXX account and received an invoice saying that I had a XXXX line of credit under synchrony bank. She also stated that my card would be mailed to me in 7 to 10 business days. Then I realized I had been scammed.
Product: Credit reporting or other personal consumer reports

Formal Credit Dispute Violation of TILA 15 U.S. Code 1666 ( b ) Billing Error I am writing to formally dispute inaccurate information on my credit report concerning the balance reported by XXXX Bank, account number XXXX. Upon reviewing my credit file, I identified significant errors that constitute violations of the Truth in Lending Act ( TILA ) under 15 U.S. Code 1666 ( b ). These errors meet the legal definition of billing inaccuracies and require immediate correction or removal.

The specific violations are as follows : 1. Failure to Reflect Proper Credits or Payments ( 1666 ( b ) ( 4 ) ) : The balance reported does not accurately reflect payments or credits applied to this account, leading to an incorrect and misleading representation of my account status.

2. Computation or Accounting Errors ( 1666 ( b ) ( 5 ) ) : The reported balance includes errors stemming from incorrect calculations or misapplied charges. Despite the creditor 's obligations under TILA, no substantiating evidence has been provided to validate the accuracy of this balance. 
These discrepancies undermine the accuracy and integrity of my credit report and violate the Fair Credit Reporting Act ( FCRA ) and TILA requirements. 
Resolution Requested : To resolve this dispute fairly and efficiently, I request the following actions : 1. Immediate removal of this inaccurate balance from my credit report. The failure to substantiate the validity of this balance makes its continued reporting unjustifiable under federal law. 

XXXX. Full documentation from XXXX Bank proving the accuracy of the reported balance. This should include a complete and verifiable accounting of all payments, credits, and charges applied to this account. 

XXXX. If XXXX Bank can not provide concrete evidence validating the accuracy of this balance, the account must be permanently deleted from my credit file to comply with FCRA and TILA provisions. 

I expect this dispute to be resolved within the statutory timeframe of 30 days, as required under the FCRA. Failure to address this matter promptly will leave me with no choice but to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation and enforcement. 

This issue has caused undue stress and potential harm to my financial standing, and I trust that you will address it with the urgency and fairness it deserves. 

Please confirm receipt of this dispute and provide updates throughout the resolution process. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute letter in accordance with the FCRA and the instructions listed on XXXX to Equifax info services on XXXX XX/XX/2019. Its been over 30 days and I have not received a response ( letter or phone call ). As of today Equifax has not blocked the items. They are still listed on my credit report. In accordance with the FCRA and XXXX they must block said items or delete them. Accounts disputed on grounds of identity theft were as follows : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX
Product: Debt collection

My debt was paid in full but it was a paid to Delete but its still shows on the other credit companies. My XXXX  still shows i owe them money.
Product: Checking or savings account

Fraudulent activity on checking account, XXXX stolen from account. Bank denies claim stating that activity was not an aggressive activity.
Product: Credit reporting or other personal consumer reports

EQUIFAX, XXXX, XXXX ARE REPORTING FRAUDULENT INQUIRIES ATTACHED ARE XXXX AND A LIST OF THE FRAUDULENT INQUIRIES
Product: Debt collection

Upon reviewing my credit report, I found multiple accounts that I do not recognize and believe were added without my consent.
Product: Prepaid card

I received an American Express gift card from my employer in the amount of {$750.00} at the end of XXXX. I planned to use this on a cruise on XX/XX/XXXX. However, Am Ex declined all attempts to pay for my expenses on the cruise, even though the cruise line accepted the gift card as a form of payment. I called Am Ex, and all they would say is that the safety of my gift card is very important to them and to try using it with a different vendor. I also tried using the card at XXXX online on XX/XX/XXXX, however, purchase was declined by Am Ex. I tried using it at XXXX XXXX online on XX/XX/XXXX and it was declined by Am Ex. On XX/XX/XXXX I was going to attempt to make some purchases at XXXX, which is the only site it seemed to allow purchases, I checked the balance on the gift card, expecting to have over {$200.00} left. I was completely horrified to find that someone had made 2 purchases on XX/XX/XXXX one for {$200.00} and the other for {$37.00}, at a XXXX in XXXX, which I've never been to. I live in California. 

I called American Express and was told that they could not open a case because the card is old, they can only open a case on new cards. The card was purchased sometime at the end of XXXX, and it has an expiration date of XX/XX/XXXX, furthermore, according to their terms and conditions, the funds never expire. I also, asked how these transactions were allowed without them having a physical card given their overly restrictive purchase allowance. He just restated that a case could not be opened. I asked the customer service person if I could speak to a supervisor. I was put on hold for a very long time, he then comes back and stated that the {$230.00} would be reinstated to my card and that I would be receiving an email form American Express stating this. I have not received anything from American Express. I was given a claim number. But, at this point, I am doubtful I will hear from them. 

If American Express had allowed me to use my card on the cruise and/or at any of the other establishments I tried, the balance would have been used up by me, the rightful owner of the funds on the card, before the XX/XX/XXXX theft.
Product: Student loan

XXXX XXXX XXXX ( later named XXXX XXXX XXXX ) transferred my loan to a different servicer, Heartland XXXX. I was not notified of the transition in any way before it happened. How I found out was by receiving a notice in the mail that payment was overdue on my account! On the day after I received that notice ( on XXXX XXXX, XXXX XXXX, I received an email from XXXX XXXX XXXX saying that " as of XXXX/XXXX/XXXX XXXX XXXX XXXX is no longer servicing your Campus-Based Student account ( s ) ''. The date referenced, XXXX/XXXX/XXXX is wrong, because Heartland XXXX began requiring payments from me before XXXX/XXXX/XXXX, but I had no way of knowing that. 

Moreover, XXXX twice charged me a {$1.00} payment fee for one time payments. They do n't charge any fee for automatic payment, but first auto payment by enrolling would have been after the due date for the bill. So I had to pay the payment fee for one time payments. I should n't have to pay that fee since I was already enrolled in automatic payment with the previous servicer. Why should I be forced to pay new fees because my servicer changed?
Product: Credit reporting, credit repair services, or other personal consumer reports

In process of closing on home. Contacted TransUnion because they are the only credit bureau that is reporting my student loan that has been paid off back on my credit file after was already removed and reflecting never late paid in full balance is now XXXX they directed me to their website which doesn't allow you to open new investigation. Please help time is of essence. I am currently in process of closing on a property and my score dropped and now my debt to income ratio is 10 times higher.