23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Upon checking my credit reports on XX/XX/XXXX. I noticed a company named Jefferson Capital Systems listed 2 collection entries on my credit reports. The first collection entry shows an account # XXXX for a balance of {$410.00} from XXXX XXXX. This account shows an open date of XX/XX/XXXX. 

The second collection entry entered on my credit reports by Jefferson Capital Systems is an account # XXXX for a balance of {$1000.00} fro XXXX XXXX. This account shows an open date of XX/XX/XXXX. 

Multiple requests have been made via telephone to this company to send supporting documentation that these collection amounts are in fact mine ( They are not ), but have been unsuccessful.Upon checking my credit reports today, XX/XX/XXXX, Not only did I notice these 2 collection entries are still on my reports, they both show an update of XX/XX/XXXX which appears to be a common illegal practice of " Re-aging '' debt. 

These collection accounts do not belong to me. 

Thank you in advance for your prompt attention to this matter as this incorrect information is causing me financial harm as it is preventing me for obtaining a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Equifax did knowingly store my credit report in such a manner that made it available to data thieves. This has caused my identity to be breached and frankly, damaged my peace of mind and trust in credit reporting agencies.
Product: Credit reporting or other personal consumer reports

On XXXX  XXXX of XXXX  I received a credit report from TransUnion in which it indicates that they used my name and my social security number with an address other than mine. And the date this occurred was XX/XX/year> on the dark web.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security number ( XXXX ), Birth Date : ( XXXX XXXX ). This CFPB complaint has been filed pursuant to FCRA XXXX ( XXXX XXXX XXXX ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This is fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent accounts appearing on my consumer FICO credit report. I've attached the fraudulent accounts. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint number ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you because I have been having issues with all 3 credit card reporting agencies. XXXX bank credit card erroneously put 2 late payments on my report. One for XXXX, XXXX, and another for XXXX, XXXX. I called XXXX toll-free number to let them know of this issue and they told me that they do not show any late payments for XXXX, and XXXX of XXXX. My XXXX card was used fraudulently last year, so my credit card was replaced with a new number. My only guess is that maybe since my credit card number changed, only the old credit card number would show the late payments, but the XXXX representatives said that should not be an issue. 

I have been trying to get this straightened out with XXXX XXXX, Experian, and XXXX since XXXX  but they wont fix the issue. I have been filing dispute after dispute with all 3 agencies, with the help of a XXXX XXXX XXXX representative that works for XXXX to no avail. XXXX is part of Experian. I am trying to get credit for a balance transfer to pay off my large debt but the slow-acting, and unhelpful nature of all three credit reporting agencies is preventing me from doing so. The two erroneous late payments shown on my credit reports for XXXX, and XXXX of XXXX  should not be there. Those two late payments are marring my otherwise perfect credit. 
If you need to contact the XXXX credit monitoring representative, his name is XXXX XXXX, and his number is XXXX, extension XXXX. The case number is : XXXX Can you please contact them and get them to fix the issue that has been going on since last year? At this point I dont know where to turn for help. I hope you are able to get this matter resolved. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX Credit Limit : {$5300.00} XXXX High Balance : {$7600.00} XXXX Balance is presently : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian you are reporting inaccurate information on my consumer report. I have disputed the inaccurate names on my consumer report. The correct spelling of my name is XXXX XXXX XXXX. I have provided my Massachusetts state issued driver license as proof of the correct spelling of my name. I demand that you remove or delete ALL other inaccurate names on my customers report immediately.
Product: Credit reporting or other personal consumer reports

XXXX : XXXX XXXX XXXX Addres : XXXX XXXX XXXX zip cod XXXX DOB : XXXX XXXX Last 4 of SSN : XXXX Date : XX/XX/XXXX Bureau name : XXXX Recently : I did investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S code 1681e ( b ) Accuracy of reports whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. code 1681 ( 5 ) treatment of inaccurate or unreliable information ( A ) general it, after any investigation 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 ( XXXX  ) 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 investigation ; and 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 ; Account XXXX XXXX XXXX XXXX account # XXXX this account is being reported inaccurately, please remove this from my report credit, immediately.
Product: Mortgage

Due to some unforeseen circumstances we have fallen behind on our mortgage and when we have contacted Mr. Cooper to set up some kind of payment arrangement and ask for a forbearance or a deferred payment they refuse. They told us that we have to have two payments and now it's three payments before we can save our house. They also told us we were not able to even make one payment because they refuse to accept it. They want a big lump sum and unfortunately that's impossible but yet they won't let us make our monthly payments now that we're on track. If we were able to make our monthly payments we would be able to get on track and keep the payment made every month. but they refused to let us do that so now we have fallen even further behind, and they said that they are foreclosing on our home.
Product: Credit card

I got a Chase British Airways credit card in XX/XX/XXXX. 

I've accumulated XXXX Avios but I can't access them because the XXXX XXXX number that I was assigned by Chase belongs to a closed British Airways XXXX XXXX account that belonged to me in XXXX

That account was closed a long time ago and I have no access to it. British Airways can't access the account either. The number on that account is : XXXX The email linked to that account is : XXXX I received a letter from Chase saying that the number is missing or incorrect and to contact British Airways to fix the issue. I did, but British Airways couldn't do anything for me because they said they couldn't access that account. That account has no XXXX because it's closed so I'm not sure where Chase is transferring my XXXX. 

I signed up for a new British Airways XXXX XXXX account with number : XXXX The email linked to that account is : XXXX I asked Chase to merge both accounts so I could access my Avios but they haven't been able to do it? 

Then I signed up again for a new British Airways XXXX XXXX with a different email to see if I could link the credit card to the XXXX XXXX account but I couldn't. 
The number is : XXXX The email linked to that account is : XXXX I called Chase and British Airways to merge my accounts multiple times. I spent more than XXXX trying to solve the issue over the phone with no success. The customer service is not useful. 

Then I received a letter from Chase saying that British Airways found multiple British Airways XXXX XXXX accounts under my name and to update my personal information and merge them. 

So as a summary, below are my three Executive Club numbers : XXXX ( old ) XXXX ( new ) XXXX ( newest ) I really need help on this. 

Attached here the two letters I received from Chase regarding the issue and the bank statements to prove the amount of miles I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to Get my updated credit report. I want my credit Score to be updated
Product: Debt collection

VALIDATION AND CEASE AND DECEASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA Account # : XXXX To Whom It May Concern I received a debt collection letter from you. Are you sure you have the right person? 
I demand to receive a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS TO CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. 
I dispute this. 
DO NOT PASS THIS ON TO ANOTHER COLLECTOR IF YOU DO I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute owing this debt. Thank you for your immediate cooperation. 
XXXX XXXX
Product: Credit card or prepaid card

Comenity BankXXXX Account Possibly used on dark web Impersonating Representative took information in an attempt to close account XXXX Cell porting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Product: Checking or savings account

on XX/XX/2021 I opened a safe balance account online using my payroll check of over {$600.00} as my account opener. On XX/XX/2021, I attempted to login to my app and received a " account locked contact customer service @ XXXX '' error message. I placed the call and was told I would have to go to a branch to verify my identity, which I did. At the same time, I was told I had a positive balance of of {$650.00} and could make a withdrawal from the teller, which I did for {$400.00} leaving a balance of + {$250.00}. Shortly after that, I deposited a mobile check for {$520.00}. On XX/XX/2021, again I attempted to login and received the previous error message along with 3 emails stating a hold was placed on my account. Contacting the same previous number I was told that my acct was being closed by the Risk Dept. due to lack of identity verification, which I told them I had done the day before. I was then told it didn't matter the account was already being closed and it was not reversible, so I asked about my balance and was then told I was overdrawn by {$400.00} and I would have to pay that before I could be set up with a new acct. None of this makes logically sense, nor does it in anyway seem legal. I have contacted my attorney who suggested that I attempt to resolve the issue with a supervisor or manager before he makes any court filings so that is what I am doing now. All of this has not just caused me unnecessary stress but put myself and my family into serious financial hardship and suffering. We were force to miss XXXX with family due to lack of funds to travel, I have no way to pay for the propane that is for cooking and heating my home, my mortgage payment, car registration and insurance are now all past due resulting in late fees totalling {$350.00}, all caused by poorly trained bank employees!
Product: Credit reporting or other personal consumer reports

I was extremely frustrated to see an unauthorized inquiry show up on my credit report this morning with no explanation. I always review my credit report, yet this time, an error appeared out of nowhere. I even refreshed my browser to make sure it wasnt a mistake, but the issue didnt go away. I need this matter resolved immediately, and I expect my submitted documents to be thoroughly examined so I dont have to deal with this again.
Product: Debt collection

XXXX XXXX XXXX is listed on my credit report and the company did not disclose proper information regarding amount owed and bill break down to explain debt. I never received anything in the mail informing me of debt prior to it being posted to my credit file. I do not acknowledge or accept the debt as listed and denounce any ownership of the debt. I believe this is a result of identity theft because my identity was stolen and inaccurate information exists on my credit report. Company failed to provide sufficient, factual information to prove this debt belongs to me.
Product: Credit card

Capital One Bank USA has listed XXXX negative remarks on my credit report on XXXX supposedly separate credit cards showing 5 or more missed payments. All XXXX are showing closed from 2011. Capital One Bank USA continue to update this on my report to extend the time to stay on my report. This is a violation under the ( FCRA ) And under the Consumer Protection Act in the State of North Carolina. 

This negative information being reported has caused me to suffer on the condition of thousands of extra dollars in interest on several loans. I have also suffered stress and undue hardship concerning this matter. 

Capital One Bank USA has being sued in the past for such violations under Federal and State Laws, but this does n't seem to prevent them from further violations against Consumers of the United States. Capital One Bank USA pays the Credit Reporting Bureaus to use there reporting servers to violate laws online electronically. 

It 's possible they violating laws listed under ( RICO ) I ask the CFPB to investigate and demand Capital One Bank USA to stop any illegal practices and to abide by the laws on the books for such, also remove such negative information, refund me monies owed for damages that pertains extra interest I am being charged due to the negative information that they upgrade on a regular basis for the purpose of causing further stress and undue hardship.
Product: Debt collection

Receivables Management System has placed a medical collection on my consumer report without giving me the chance to dispute the validity of the alleged debt thereby violating the fair debt collecting act. when i found out i reach out to them and spoke to a representative over the phone in the first week of XXXX i then requested validation of the account. i received a bill from them requesting that i pay. i then sent back a request for validation. i have attached copies for review. it's been over 30 days they received my letter as i sent it certified with return. the debt has not yet been validated but the account remains on my credit in violation of the fair credit reporting act.
Product: Checking or savings account

I got a notification that a new debit card was being mailed out on XX/XX/22 from Truist to an address that was not my home. I called them and dealt with their team to take appropriate actions and updated all of my account info. 

They took no money, but a week later tried to open another account in a different truist branch
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I disputed information that is being reported on my credit file by all three Credit Reporting Agencies XXXX, XXXX and Equifax. they stated that they verified the items that i was disputing and in turn requested that they provide me with the method of Verification and documents bearing my signature. 

They have not provided me with the method of verification as requested in several letters. they continue to send letters stating the they do not understand my request and my request are very clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

XXXX XXXX XXXX  XX/XX/2023 Capital One XX/XX/2023 XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

There was an account opened with XXXX XXXX in 2022. I had XXXX  and was hospitalized and possibly defaulted on the account. I signed an agreement that would provide an obligation for the account to be handled under arbitration and that was never done. The debt was sold to a XXXX party.
Product: Debt collection

XX/XX/year> I looked at my credit report after trying to repair it with the help of debt financial. We then after 2 month saw that XXXX put for onto my report but this time it wasn't me. I tried to tell them I am XXXX XXXX XXXX and I've been XXXX  XXXX  times now in the last 4 years. I wasn't even at the location XXXX is stating. Then they are saying I have phone services with them and I've never signed up for that. After I've filled out FCC, identitytheft.gov, FTC, and the XXXX report like Harris & Harris stated I've been waiting for it to be off all XXXX reports.
Product: Debt collection

Dear Equifax, I have sent all the proof that you requested to verify me and you keep on sending letters asking for the same things. I have sent you copy of my Driver licence, Social security already I will also attached them to this complaint. 

First Name : XXXX XXXX Last name : XXXX Address : is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX is my current and only address. Please removed all the other addresses and name that are not me off my consumer report. I also send a copy of the police report to you guys and I will attach a copy of it to this complaint. 

The following name and accounts are not mines and would like them to be removed from my report. These negative items on my report are causing me stress, humiliations, and my mental. because of these account I can not get approve for anything. I would like to have them removed from my consumer report. 

XXXX Bank Account # XXXX XXXX XXXX XXXX XXXX  XXXX Please removed the following addresses from my consumer report. The only address that should be XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2017 XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please remove the following unauthorized inquiries of my consumer report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please removed any inaccurate information on my consumer report. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : The following account is not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
Inquiry from XXXX XXXX XXXX Please remove it from my credit report. 

I respectfully request to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my personal signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.