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

I am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Debt collection

During XXXX, I could not pay my car loan, which XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

The Loan amount was {$17000.00} plus 18.09 % interest. I made XXXX payments of {$420.00}. 

My last payment was made on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX repossessed the car and sold it for {$4900.00} minus the Cost of Sales of {$330.00} ( not clear on this coast ). The XXXX XXXX XXXX were {$4500.00}, as mentioned on the invoice sent to me. 

I want to add the sum to clarify the current situation. 

I paid {$11000.00} ; the car was sold for {$4900.00}, which is {$16000.00}. {$17000.00} - {$16000.00} = {$1600.00}, which is the amount that I owed to XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX never sent me any letter to collect any debt or offered to resolve this debt. They reported to my credit report without any prior notice and marked it as a bad credit charge off of {$17000.00}. The account shows closed and purchased by another lender, Jefferson Capital Systems , LLC. 

On XX/XX/XXXX, I received the first letter from Jefferson Capital stating that I had an account with XXXX XXXX. The amount mentioned as of XX/XX/XXXX, is {$15000.00} minus the final cost of the car sold by XXXX XXXX minus ( cost of sales ) {$4500.00} = {$10000.00} as final debt. 

After I received the first notice, I called the CFPB. The representative suggested that I write to Jefferson Captial and ask them to provide account information, In response to my letter to Jefferson Captial, they sent me an invoice for the car purchase, which was an unsatisfactory response.

Jefferson Capital started sending me offers to pay off {$10000.00}. 

I filed a dispute with all three credit bureaus against XXXX XXXX and Jefferson Capital. 

The result of the dispute from XXXX was that both XXXX XXXX and Jefferson Capital were deleted from my credit report. 

The result of the dispute from XXXX XXXX and XXXX was Jefferson Capital was deleted. XXXX XXXX will remain until it is dropped. 

Despite being deleted from all three credit agencies, Jefferson Capital is still sending me letters to settle the debt of {$10000.00}. The last letter is received on XX/XX/XXXX ( to the best of my knowledge ), with a deadline of XX/XX/XXXX. 


Jefferson Captial threatens to report to the credit agencies or continue to report. 

I want CFPB to contact XXXX XXXX regarding their failure to offer to settle the debt with them. XXXX XXXX is a bad remark on my credit reports, and I would like them deleted from XXXX XXXX and XXXX. 

Jefferson Capital needs to stop sending me letters and refrain from making any negative remarks to credit agencies. They were allowed twice to submit balance information, but they failed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this formal complaint against Equifax Information Services LLC for reporting inaccurate and unverifiable information on my credit file in violation of the Fair Credit Re

porting Act ( FCRA ), 15 U.S.C. 1681. Nature of the Complaint : Equifax is reporting multiple inaccuracies that do not align with the information reported by the other major credit bureaus, XXXX and XXXX. These discrepancies indicate a failure to ensure the maximum possible accuracy of consumer credit reports as required by 15 U.S.C. 1681e ( b ). 
Despite my previous efforts to dispute these errors, Equifax has failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i. If Equifax can not verify this information with reliable documentation, it must be deleted immediately from my credit file. 
Attached Evidence : I have attached a copy of my most recent credit report, highlighting multiple discrepancies between Equifax and the other credit reporting agencies. These inconsistencies are unjustly impacting my creditworthiness and financial standing. 
Violations & Legal Basis : 1. Failure to Maintain Accurate Information ( 15 U.S.C. 1681e ( b ) ) o Equifax is reporting information that does not match the data maintained by XXXX and XXXX, suggesting a lack of reasonable procedures for accuracy. 
2. Failure to Properly Investigate Disputes ( 15 U.S.C. 1681i ) o Equifax has neglected to conduct a proper reinvestigation and continues to report inaccurate information without verification. 
3. Civil Liability for Negligence or Willful Noncompliance ( 15 U.S.C. 1681n & 1681o ) o If Equifax 's failure to correct these errors is found to be negligent or willful, it may be subject to statutory damages, punitive damages, and attorney fees. 
Requested Resolution : 1. Conduct an immediate reinvestigation of the attached credit report discrepancies and provide a detailed response.

2. Remove or correct all inaccurate and unverifiable information in accordance with the FCRA.

3. Provide me with an updated, corrected credit report reflecting these changes. 
If this issue is not resolved in compliance with federal law, I am prepared to pursue further legal action and escalate this complaint to the Federal Trade Commission ( FTC ), my state 's Attorney Generals office, and other relevant regulatory authorities. 
I expect a prompt resolution and written confirmation of your investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Customer Service XXXX XXXX XXXX XXXX, DE XXXX. 
Dear Sir or Madam : I am writing to dispute a late payment attributed to my account ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX replacement ). I am a victim of identity theft, and I did not have control of this account on multiple occasions since XXXX of 2022. My XXXX XXXX XXXX accounts, personal e-mail addresses and personal devices were compromised during this period. Changes were made to this account including payment information that I did not authorize. 

I am requesting that the late payment be removed from my account and that I receive accurate statements going forward. 

Enclosed are copies of the Identity Theft Affidavit, credit monitoring fraud alerts and a subset of police reports supporting my position. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs. 

Please investigate this matter and correct this error as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the account below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ). 

I attached a consumer report as evidence.
Product: Checking or savings account

On XX/XX/XXXX, I made a distribution request through XXXX XXXX XXXX to rollover my XXXX to a XXXX account. XXXX XXXX XXXX sent a check via XXXX XXXX Mail. The check was made out to XXXX XXXX [ [ My Name ] ] in the amount of {$13000.00}. 

I did not receive the check so I contacted XXXX. After several attempts, I was able to finally track down the check. It had been cashed by a person I do not know and that is not listed on the check. XXXX starts a claim with PNC Bank to acquire an affidavit. I fill out and send the Affidavit to the Bank via XXXX XXXX Mail. 

From XX/XX/XXXX to XX/XX/XXXX, I made countless phone calls and messages ( via XXXX online Help Chat ) to get a status update with no success. The XXXX representatives usual response was we put in a request to the XXXX Department. The customer service line at PNC Bank informed me that since XXXX is the client, they are not allowed to work with me directly so I need to have XXXX contact the bank. 

In XX/XX/XXXX, the XXXX representative from the XXXX XXXX department informed me that the bank did not receive my affidavit. I provide him with a copy to forward to the bank. 

From XX/XX/XXXX to XX/XX/XXXX, another string of calls and emails for status updates. During this time, I do not receive any contact from the XXXX XXXX Department directly so I continue communication with the same XXXX Representative from the XXXX XXXX department. 

On XX/XX/XXXX, the XXXX representative informs me that PNC Bank has confirmed the check was cashed by a bad actor but the " claim was denied at the bank due to no funds being made available to recall. 

XXXX also responds, " At this time the claim is closed, and XXXX was not provided the funds to provide to you from the bank. '' XXXX goes on to suggest that if I want a resolution, I should instead work with law enforcement. 

I request for XXXX to get clarification and additional options from the bank. I also file a police report and a report with United States XXXX XXXX XXXX. The XXXX inspector also informs me that in these cases, XXXX should have also filed their own reports so I requested copies of these reports from the XXXX representative. 

In XX/XX/XXXX, Ive sent multiple emails to XXXX requesting for the copies, for updates from the bank, and for any additional ways to help me resolve this case. Their only response so far is, Ive forward the request to our fraud team who is looking into getting the copies of the reports
Product: Checking or savings account

I paid {$5500.00} to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. This company did not provide the legit hajj permit. So I asked my money back. As of now recieved only {$2500.00}. Remaining {$3000.00} i want back soon.
Product: Credit reporting or other personal consumer reports

I Voluntary Surrenderd my car back to the dealership, it wasn't supposed show up on my credit score but it is on there. And now I'm getting denied from apartments
Product: Credit reporting or other personal consumer reports

XXXX has been constantly sold to different companies and with previous companies I was under forbearance. Credit report shows over 120 days late and counting and effecting my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the serious infractions committed by MicroBilt regarding the accuracy and privacy of consumer information, as mandated by the Fair Credit Reporting Act ( FCRA ). This issue needs immediate attention and resolution to prevent further harm to consumers. 

Based on the information provided, it is evident that MicroBilt is not reporting accurate information, a violation of [ 15 USC 1681e ] ( b ). This statute requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information pertaining to individuals in the reports they prepare. 

Furthermore, MicroBilt is in direct violation of [ 15 USC 1681b ] ( a ) ( 2 ) of the FCRA, which permits consumer reporting agencies to furnish consumer reports only in accordance with written instructions from the consumer whose information is being reported. I would like to emphasize that I have not granted authorization to anyone to access my private and confidential records, including the information that your agency is currently reporting. 

These transgressions directly infringe upon my rights as a consumer, particularly my right to privacy, as outlined in [ 15 USC 1681 ] ( a ) ( 4 ). It is crucial to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. 

To rectify the aforementioned violations, I humbly request that you take immediate action to delete the erroneous items specified in the attachment from my consumer file within your agency. Failure to comply with this request will leave me with no option but to pursue appropriate legal action. 

I want to draw your attention to the seriousness of these violations. Identity theft is a grave offense, and these actions can be classified as aggravated identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). Knowingly transferring, possessing, and utilizing someone's means of identification without lawful authority is a felony punishable by up to two years of imprisonment, in addition to civil liability.
Product: Vehicle loan or lease

After the commercial vehicle was resold at the auction the amount was not deducted from the amount owed. {$31000.00} I payed on the XXXX XXXX XXXX for 8 months and nothing was applied to the loan reflecting a lower balance. The lender did not disclose voluntary repossession or repossession of any kind. The lender also did not inspect properly which in result caused a voided warranty they sold to me for XXXX because the commercial vehicle DEF system was deleted which depreciated the truck by {$10000.00} dollars as to why it only sold for {$3000.00} At the auction. The deleted DEF system was not disclosed at the time of purchase.
Product: Credit card or prepaid card

I opened a secured card with citi in early 2017. The terms stated it would be for 18months. It was then extended another 12months. Fine. I understand that in the terms my deposit does not generate any interest to me, only to citi. Fine. They have since extended the terms for 4 years and are letting me know that they will be extending it for another 12. I contact customer service and they are useless, I can not even get them to give me the original date I opened the account. They could not even provide me with the address for the executive office, I have to resort to contacting and filing a complaint via the consumer finance and XXXX I  have a Citi account with Bloomingdales as well and I am ready to stop giving them my business. I have never made a late payment but I guess that and my account is not important to Citi.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, XXXX, Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX XXXX  tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there is some inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/18 Barclays Bank XXXX XXXX XXXX C/O Office of the President XXXX, DE XXXX Att : XXXX XXXX Executive Re : XXXX XXXX DOB :  XX/XX/XXXX SS # XXXX XXXX XXXX Dear Mr. XXXX, I am writing in reference to a problem that I have been having with Barclays since XX/XX/2018 and still has not been resolved. 
I had a XXXX Credit Card account with was serviced by Barclays. The servicing was sold to XXXX XXXXXXXX XXXX which I was unaware of. I made an on-line payment on XX/XX/18 for {$100.00} to Barclays from my XXXX XXXX account which should have been sent to XXXX XXXX XXXX. 
I have been trying since XXXX to have Barclays reimburse me for the {$100.00} or at least forward the payment to the correct bank. A XXXX XXXX agent and I have called Barclays Bank many, many times to get this resolved. XXXX XXXX sent proof of payment numerous times. We have spoken to staff and Managers at Barclays Bank named : XXXX, XXXX, XXXX, XXXX, XXXX and countless others who have acknowledged receipt of the payment. 
I was promised by them that I would have a credit within 2 days ( that was back in XXXX ). I called again on XX/XX/XXXX and then I was told that it takes 90 days to process the refund. The 90 days was up on XX/XX/18. I called on XX/XX/XXXX and spoke to XXXX who advised me that we need to send proof of payment AGAIN to the Research Department. As previously mentioned, this was sent by XXXX XXXX numerous times and receipt has already been acknowledged by Barclays. 
This is the most frustrating experience I have ever had with any bank. I keep getting the run around from all the staff members. XXXX has attempted to be helpful, but could not explain why we have to sending proof of payment again and again with no results. I just keep receiving empty promises for a refund. 
I also sent a letter to Barclays on XX/XX/18 and to date have not even hard the courtesy of a response. 
I am pleading with you to please have someone in Management look into this situation and have it resolved once and for all. 
I look forward to hearing from you and appreciate your assistance, Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, N.Y. XXXX XXXX XXXX
Product: Checking or savings account

I went down to Chase bank three Saturdays in a row to open a CD. They were sick, they were on vacation, they were busy. They told me to open my own CD on line. I said you have to be kidding me. They said no. I opened a CD. This is the first month I am due interest. It never showed up in my account. I called them. They said I had chosen the option to have my interest paid at the maturity date of the CD. This is NOT true. I was never given that option. I was suppose to see my interest every month and it was suppose to go in my account so I knew I was getting it and I could see what I was getting. I called Chase. The reference number is XXXX. No one could help me modify the CD and said I had to go to the branch????? The whole process was totally misleading. I should not be opening my own CD on line with no one to explain things to me. I opened another CD at another bank and it went perfectly. Chase has zero customer service. When I called them they had to transfer me to four different people before anyone even knew what I was talking about and that person said I had to go to the branch where no one is ever available. I want my interest on my CD to show up either in my CD or transferred to checking account monthly so I know what I am getting. At this point I am getting the run around and am being told that nothing can be done and see you XXXX, XXXX, 2024 and at that time I will know what I am getting and can get my interest money and how much it will be???? I plan on taking all of my money out of Chase on that date and never doing business with them again. 

XXXX XXXX
Product: Mortgage

I fell behind on my mortgage payments XXXX due to the borrower ( my ex husband ) moving out and filing for divorce. 

Early XXXX I had my leg amputated and am now considered permanently XXXX so I have been unable to work since this time. 

When the borrower moved out, I was unable to maintain the payments on my own. The cost of everything has increased so drastically but my benefits stay the same. 

I applied for a loan modification and was repeatedly told that the documents I submitted were not received and to re-send them. I remember one specific occurrence where a representative said nothing was received and I sent it three times, the next person told me they had everything on file. 

I have time and time again called and submitted the necessary documents for my mortgage company to help me, only to get the run around. 

I applied again for a loan modification on XX/XX/XXXX and was told on XX/XX/XXXX that the investor of my loan is not willing to review another application for assistance at this time due to me not providing what was needed previously. THIS STATEMENT IS A FLAT OUT LIE! 

Time and time again I had my daughter drive me to XXXX so that I could send what was asked of me. The cost to send from XXXX became so much that I invested in my own scanner and printer to save both my daughter and I the headache of going to XXXX every other day. I have on leg and ca n't drive.

I know with certainty that if you pull all phone conversations that I have had with SPS, you will hear the inconsistent communication from their end. You will hear me calling to confirm that they have what I sent only to be told over and over that it wasn't received. 

It is much easier to believe that SPS has no intention of helping me than my 20+ faxes, all showing successfully transmission, don't actually appear for your office. 

In the last two years I have lost my leg and my husband and now SPS wants to leave me homeless.
Product: Credit reporting or other personal consumer reports

I received an email stating my credit report score dropped XXXX points due to me opening an investigation for XXXX accounts reporting on my credit report. I contacted Equifax on XX/XX/year> and spoke with a representative who told me due to me opening a dispute with them that is a reason for my score to drop XXXX points. How is this accurate? Pursuant to the FCRA is this appropriate? My score went from a XXXX to a XXXX. So as a consumer I am being penalized XXXX points because I opened a dispute for a fraud account, account history correction and account status correction? How is this logical?