23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent the company, Jefferson Capital, a verification letter on XX/XX/XXXX and they never responded to the letter, I sent them XXXX letter one they responded to concerning the {$1500.00} debt and they took it off but the {$20000.00} debt they didn't responded and I sent the letter the same day. Both where sent through certified mail. They took the the small debt off my report but have left the bigger one and haven't responded to my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have this extended fraud alert deleted from my Experian credit profile. 


XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fullfill its legal obligattion under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPOSESSION AND SOLD INFORMATION TO ANOTHER PARTY I DID NOT DO BUSINESS WITH THAT IS TAKING MY INDENTITY WHICH IS FRAUD. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The dispute only lasted not even a day on many of the disputes.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX sent my account of XXXX dollars to collections after my payment did not process correctly in their system. Called and got the payment to post to their system and was told they would not send it to collections. 30-45 days later I got a letter stating Central States recovery Phone # ( XXXX ) XXXX was now collecting on their behalf XX/XX/XXXX. Wasnt until this year I called central states recovery on XX/XX/XXXX to settle the original amount for XXXX dollars. No response so I called again XX/XX/XXXX and was told XXXX  XXXX XXXX was unresponsive in my attempt to settle the debt. Today as of XX/XX/XXXX I have not received any further communication. Over 30 days from when I attempted to settle the debt. If XXXX XXXX XXXX is unresponsive to my attempts to settle the debt the debt needs to be removed from my record. Was told I would be receiving a call in a couple days both times and have had no further communication.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 or other personal consumer reports

After reviewing my credit reports I noticed that they are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that they followed all laws and regulations to report therefore they must remove all negative and adverse remarks. The information below is what I can see on my credit file with the partially protected account numbers. 

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 or other personal consumer reports

For several months, my credit report has shown an account included in a bankruptcy under the name XXXX XXXX ( XXXX ), which was charged off by the original creditor. This account was resolved during the bankruptcy itself. The fact that this account is reported on my credit history constitutes a violation of my rights under the FCRA, especially since the information is being reported inaccurately among the three credit bureaus, which qualifies as a violation of the sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, a personal credit card opened at XXXX on XX/XX/XXXX and a personal credit card at XXXX Card services opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 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 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 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 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 XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 card

On XX/XX/XXXX  I have purchased an XXXX XXXX on XXXX using my Apple Credit Card ( GoldmanSachs ), total amount of {$720.00}. I have been charged, but the PACKAGE was NEVER delivered to MY SHIPPING ADDRESS. " XXXX '' is the tracking number which was never sent to my rightful address. 
I have contacted the shipping company ( USPS ) about the matter and they have proven that the package was NOT delivered to MY address ( seller put a different street address ). I have tried to dispute my transaction with XXXX but they couldn't help me, so I contacted my credit card for Dispute/fraud. I have sent the right information and evidence to support my claim, but my dispute got Denied, 2 TIMES already. Also the seller never responded to my messages. 
I hope you can please help me, thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Debt collection

Received an alert on my credit report from XXXX, XXXX and XXXX that XXXX accounts had been posted to all 3 credit bureaus. Contacted XXXX XXXX on XX/XX/XXXX advised them that it was result of " identy theft '' and account was opened fraudulently and without my authorization. This is my 2nd if  not 3rd time reporting this to XXXX. Convergent advised me to contact XXXX ( again ) I did and spoke to XXXX who reported XXXX accounts in the amounts of {$110.00} opened XX/XX/XXXX and closed XX/XX/XXXX and  also account for {$720.00} opened in XXXX and closed in XXXX. I think the phone number belonging to one of the accounts was XXXX. XXXX couldnt give me much information on one bc apparently the person who opened the account put a password on them so they couldnt tell me much, but they did report them. Confirmation number given by XXXX at XXXX is # XXXX. Please remove these accounts from all 3 credit reporting agencies. I will be attaching a notarized " Identy Theft Affadavit '' form and also a police report. PLEASE REMOVE THESE ACCOUNTS and send me a copy of the updated reports showing they were removed.
Product: Checking or savings account

I was on furlough from work XXXX XXXX XX/XX/XXXX, I was told to file unemployment, I did and requested my weekly pay I shouldve even qualified for XXXX $ extra, but it says Ive gotten two payments of XXXX $ that Ive never seen in my account I was also sent a card that is at 0.00. So i dont know what to do I only have XXXX and my family could really use the money. Can someone please help me. 
Thank you, XXXX XXXX
Product: Mortgage

Starting in XX/XX/XXXX, I began the process of refinancing my VA Loan. I kept making payments, and sent in my payment on time for XXXX. FREEDOM MORTGAGE CORP, decided to not apply the payment and instead sent the check back around XX/XX/XXXX. I still was on late as the payment wasn't due until XX/XX/XXXX. I then tried pay by phone and they stated I was not eligible to make a payment over the phone because I was in the process of refinancing. FREEDOM MORTGAGE CORP then even before 30 days past sent a late payment of 30 days to all of the credit Bureaus, I believe in an effort to prevent me from refinancing. Luckily I was close enough to closing that it did not affect my negatively at the time. I contacted Freedom Mortgage Corp Loan at ( XXXX ) XXXX about my Mortgage ID number is XXXX, they at first tried to deny that I sent them a check so I forwarded them a copy of the check and the return envelope they said they would fix the error, but nothing ever happened. I am in the process of relocating to another state and need to be able to purchase a home using my VA Loan privileges again and I am worried this will negatively affect my ability to get a loan or at the very minimum prevent me from getting as low of an interest rate as possible. I have sent multiple disputes using the various Credit Bureaus and the dispute keeps coming back that the record it accurate. I am hoping I can obtain some help from you in this matter. I will also try and reach out to the VA Home Loan Group and file a complaint there as well, because I am sure I am not the first Veteran to be treated this way by FREEDOM. They address is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. 
I really hope you can help me out with this problem. Thanks so much
Product: Debt collection

Elan Financial Services ( Elan ) for fraudulent and deceptive practices regarding alleged credit card accounts, which violate federal laws including the Truth in Lending Act ( TILA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act ( FCRA ). The actions of both entities have caused me financial harm, emotional distress, and reputational damage. 

1. Fraudulent Origination of Alleged Debt XXXX XXXX  and Elan have failed to provide evidence of any lawful consideration extended during the origination of the alleged credit card accounts. Specifically : No disclosure was provided under TILA regarding the true nature of the transaction, which relied on the monetization of my promissory note or signature. 

There is no evidence that either institution suffered a financial loss or extended actual funds to support the alleged credit. 

The failure to disclose these critical details constitutes a violation of 15 U.S.C. 1601 et seq.. 

2. Unlawful Sale or Assignment of Debt XXXX XXXX has purportedly sold or transferred an alleged debt to a third-party debt collector despite : Reporting the debt as a charge-off and loss on their financial statements. 

Lacking proof of any financial loss, making such a sale fraudulent and deceptive. 

Violating 15 U.S.C. 1692e by misrepresenting the character, amount, and legal status of the debt. 

3. Misrepresentation and Deceptive Practices Both XXXX XXXX and Elan have engaged in deceptive practices by : Attempting to collect on debts that are invalid and unenforceable under contract law due to the lack of equal consideration. 

Misrepresenting the validity of the alleged debts to credit reporting agencies in violation of 15 U.S.C. 1681s-2 ( FCRA ). 

Failing to provide proper verification or validation of the alleged debts upon request, as required under 15 U.S.C. 1692g. 

4. Negative Credit Reporting Both institutions have reported inaccurate and unverifiable information to credit reporting agencies regarding the alleged debts, causing harm to my credit reputation. This constitutes : A direct violation of FCRA. 

Defamation and reputational damage, as the reported debts are not legally enforceable. 

5. Emotional Distress and Financial Harm The actions of XXXX  XXXX and Elan have caused : Severe emotional distress due to harassment and deceptive practices. 

Financial harm, including lost opportunities due to negative credit reporting.
Product: Checking or savings account

I opened up an account with Navy Federal, 3 days later I attempted to transfer funds from my XXXX XXXX ( old account ) through XXXX. Navy Fed denied it so I tried to request the money through through Navy Fed to XXXX XXXX XXXX. They locked my account so I called and verified with Navy Federal I knew of the charges and explained the same thing. I opened up a new account and attempted to XXXX money from my old account to my new account. He okayed the transactions and restored my account to full access. 3 days later I find out my account was permanently locked and I am banned from Navy Federal forever. I have attempted to figure out what is going on and explain my side of the story. No one will tell me why my account was locked, security said it could be restored but I needed to talk to XXXX because they claimed it as fraud. I called XXXX and they told me to call navy federal. I have spoke to security at navy federal ( which was the most helpful ) and 4 others agents including a supervisor. They have all told me there is nothing they can do and it will not be reversed. Now I have {$1500.00} in that account I cant touch and no information of why I was flagged for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit agencies have all information regarding my accounts incorrect. My Account with XXXX XXXX the Open date is incorrect the amount owing is incorrect and behind According to 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) any transaction and experience between the consumer and the person making the report are excluded, so this means that any late payments are excluded according to the FDCPA all 3 credit agencies must match with everything that they are reporting the credit agencies are being in non compliance. I am tired of dealing with these incidences and the credit agencies 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes; or ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Checking or savings account

VOLATIONS Federal Reserve Act Section 16. Note Issues 1. Issuance of Federal Reserve notes ; nature of obligation ; where redeemable Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are hereby authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington , District of Columbia, or at any Federal Reserve bank.

[ 12 USC 411. As amended by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). For redemption of Federal reserve notes whose bank of issue can not be identified, see act of XX/XX/XXXX. ] 2. Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section XXXX, XXXX, XXXX, or XXXX of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of section 14 of this Act, or bankers ' acceptances purchased under the provisions of said section 14, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that Federal Reserve banks may purchase or hold under section 14 of this Act or any other asset of a Federal reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. The Federal Reserve agent shall each day notify the Board of Governors of the Federal Reserve System of all issues and withdrawals of Federal Reserve notes to and by the Federal Reserve bank to which he is accredited. The said Board of Governors of the Federal Reserve System may at any time call upon a Federal Reserve bank for additional security to protect the Federal Reserve notes issued to it. Collateral shall not be required for Federal Reserve notes which are held in the vaults of, or are otherwise held by or on behalf of, Federal Reserve banks.