23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On Tuesday XX/XX/XXXX Paypal tried to deduct {$250.00} from my debit card stating I signed up for auto add money feature which I never did. My bank denied the transaction. I called Paypal and they told me it was a glitch and no money was attempted to be withdrawn and it wouldn't happen again. Tuesday XX/XX/XXXX, XXXX, and today the XXXX they tried to take it but this time from my bank account. My bank denied it all three more times. I reached out today where the service rep was rude and wouldn't give me any answers other than " we'll contact you after we investigate and close your account ''. So my account is being closed for asking why they are trying to take {$1000.00} from my account monthly? And I'm not sure but possible illegaly I never authorized any money to come out of my account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These Items 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 # ( private case number ) 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, credit repair services, or other personal consumer reports

I was in the process of buying a house then i checked my credit report with the lender to then realize that there is a substantial amount of derogatory errors that are damaging my credit profile. It has been over thirty days with no response from either of the bureaus after disputing. Someone has used my identity to take out multiple credit cards, Auto loans, phone lines, and housing. These accounts have either closed or went to collections. I have tried to dispute these items, along with multiple addresses and phone numbers that are not associated with me but yet no action. I have lived at the same address in the same town for many years and have had the same phone number since 2010. I have no prior knowledge of these accounts prior to trying to get a mortgage. I have not received any phone calls or written documents for any of these delinquencies. According to 15 U.S.C. 1681, there shall not be any damages on my report, it is a deformation to my character. 

XXXX XXXX XXXX Closed {$0.00} XXXX Closed {$910.00} XXXX XXXX 
Closed {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat these items is being reported correctly? Who verified thse items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. XXXX, XXXX. XXXX, XXXX & XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CFPB Complaint against Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Via Complaint Portal https : //www.consumerfinance.gov/complaint/.

RE : Fair Debt Collection Practices Act ( FDCPA ) Violation by Jefferson Capital Systems Dear CFPB, I am filing this complaint against Jefferson Capital Systems, a debt collector, for violating the Fair Debt Collection Practices Act ( FDCPA ).

Debt in Dispute : I am disputing the validity of a debt that Jefferson Capital Systems is attempting to collect. They have not provided any validation information as required by law under 12 CFR 1006.34 ( b ) ( 5 ). Additionally, they have placed a collection account on my credit report without giving me a chance to dispute it, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

False and Misleading Information : The collection activity by Jefferson Capital Systems is deceptive and misleading. They have furnished an account to a credit reporting agency without providing the required disclosures under 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( 7 ) ( A ).

Dispute and Communication Revocation : I dispute owing any debt to Jefferson Capital Systems. Furthermore, I revoke my consent for them to communicate with me through email, text messages, or calls and the statue limitations has Pass, and you cant even collect in my state Request for Information : I request a copy of the purchase agreement between Jefferson Capital Systems and the original creditor for this alleged debt.

Desired Outcome : I request that the CFPB investigate these violations and order Jefferson Capital Systems to : Verify and validate the debt.

Remove the inaccurate collection account from my credit report.

Cease all communication attempts.

Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquire, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding some inaccurate and unknow items on my credit report. To this day over 35 days ago I have not gotten a response at all. Am I being taken advantage of or something for my disputes? in section 611 ( a ), it says that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 35 days so the items listed should my be deleted from my report immediately due to law. I demand that these accounts be removed promptly or I will be forced to file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of a hacker.
Product: Debt collection

I have been getting daily phone calls for over a month from XXXX XXXX ( XXXX was the number they used yesterday ) asking that XXXX XXXX call them about a XXXX XXXX account right away at XXXX. There is no one in my household by that name and never has been. I have never had and account with XXXX XXXX or XXXX XXXX. When I searched the number online it looks like many people have had similar experiences and believe this is a scam. I want the calls to stop.
Product: Credit card

I was notified of a hard inquiry to my credit report for a Comenity Bank credit card for Kay XXXX on XX/XX/XXXX that I did not apply for. I have had issues in the past with identity theft and thankfully the card was not approved due to the fraud alert I have placed on my credit report. However, it is still showing as a hard inquiry and I would like that to be removed. 
I called XXXX on XX/XX/XXXX and opened a credit inquiry dispute I called Comenity bank and was transferred to a Kay XXXX representative who made a notation that this inquiry was fraudulent. I have tried to contact Comenity bank directly, but can not get through to a live person because I can not get through the automated prompts without an account number. 

I called XXXX who told me I could only dispute the hard inquiry by filing a complaint with the FTC and then sending them a letter in the mail. 

I just would like this removed
Product: Credit reporting or other personal consumer reports

I am writing to address serious concerns regarding the handling of my consumer report by your company. As a consumer, I demand that you adhere to all applicable laws and regulations governing consumer reporting agencies. Below, I have outlined the specific issues and actions I expect you to take : Section I - Privacy, Permissible Purpose, & Lack of Notice Laws Privacy : I, XXXX XXXX XXXX, have not provided any consentverbal or writtento Equifax, XXXX, or XXXX to report any information on my consumer report. This lack of consent violates the U.S. Congress 's mandate to ensure fairness, impartiality, and respect for consumers ' privacy rights. I demand that you provide evidence of any existing contract granting permission for such reporting within XXXX days. Failure to produce this will result in the immediate exclusion of reported accounts from my consumer report. 

Permissible Purpose : Without my explicit written instructions, you do not have permissible purpose to furnish my personal information to any third party. I demand evidence of any contract granting you such permission within XXXX days. In the absence of this documentation, I expect you to promptly comply with the written instructions outlined in Section II. 

Lack of Notice : I was not provided with the necessary notices before my personal information was furnished to any third party, as required by the XXXX XXXX. I demand evidence of compliance with the notice requirements within XXXX days. Failure to provide this will result in immediate opt-out instructions from disclosure on my consumer report. 

Section II - Remedy List of information that I demand to have removed from my consumer report : Deletion of all but one instance of " XXXX XXXX XXXX '' from my name, with the middle name excluded. 
Reduction of my date of birth to only display the year, omitting the month and day. 
Retention of only one current address, with all others removed. 
Removal of monthly payment and past due amount details. 
Deletion of inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 
Removal of any comments associated with my accounts. 
Upon completion of these actions, I request a free copy of my updated consumer report reflecting the changes made. 

Section III - Additional Issues Late Payments : I demand that you cease reporting any late payments on my consumer report, as such information is excluded from consumer reports under the Fair Credit Reporting Act. I specifically request the deletion of any references to late payments from XXXX XXXX XXXX accounts and any other accounts not listed. 

Charge Offs : Accounts listed as charged off must be deleted from my consumer report, as the IRS defines canceled debts/charge-offs as income, which is not reported on consumer reports. I request the removal of all charge-off accounts not previously listed. 

Failure to comply with these demands within the specified time frames will result in legal action, including seeking damages for defamation of character and violations of the Fair Credit Reporting Act. 

Thank you for your prompt attention to these matters.
Product: Debt collection

These companies broke the laws and I was extorted by these companies. please see attachments
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a auto loan The accounts have a fraudulent account appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws.

CFPB Complaint against Credit Reporting Agency TransUnion Consumer name : XXXX XXXX XXXX XXXX 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 TransUnion 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 auto loan XXXX  XXXX opened on XXXX # XXXX {$31000.00}, XXXX XXXX {$1500.00} # XXXX OPENED XXXX The accounts have resulted in a fraudulent accounts appearing on my consumer FICO credit report. I've attached a a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accountas reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer auto loan are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the account identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is reporting a charge off on my credit report. They went out of business and filed bankruptcy. I received a notice sometime ago that they closed all their accounts and ceased collection of them. When I tried to mail payments they were all returned. They have no way to continue paying them yet they keep reporting!
Product: Credit reporting or other personal consumer reports

They are reporting multiple fraudulent trade lines on my account. I am entitled to a credit report with maximum accuracy so when I disputed this fraudulent Information they validated the debt as accurate illegally. Debt validation can not just be the original creditor telling them yes its their debt. This agency essentially with NO evidence validated fraudulent debt. Every-time this fraudulent debt is Verified as accurate which it is not a dispute will be filed with no exceptions. I have contacted an attorney and have been advised to file this report and dispute again. Failure to correct my report will result in a lawsuit for damages.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX have credit inquires on my report that is not associated with open accounts. I am requesting that they be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple FTC reports and Equifax has failed to act on each one. I have attached another one to this complaint.
Product: Credit reporting or other personal consumer reports

There are inaccuracies on my report regarding 15 USC 16c-2. I did not authorize these inquiries. Kindly delete all unauthorized hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$350.00} Charged off XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$1300.00} Collection XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX {$1500.00} Collection XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} Collection
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX XXXX. XXXX XXXX Account # XXXX, # XXXX XXXX. XXXX & XXXX Account # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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.