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

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX EMPLOYER : RETIRED Date Updated : XX/XX/XXXX UNKNOWN Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt or credit management

Lexington Law. Frequently charged me for credit repair and did nothing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

was looking into my report and came across some accounts that was not open by me. which make the accounts fraudulent!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

In XX/XX/2024, I requested validation of an alleged debt from Jefferson Capital Systems , LLC, as required under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692g, and the CFPB 's Debt Collection Rule ( Regulation F ). Despite my request, the company failed to provide adequate validation, including the chain of title and proof of the amount they paid for the debt, as required by law. Instead, they reported this unvalidated debt to credit bureaus, resulting in significant harm to my credit score and financial well-being, including higher interest rates and denial of credit applications.

Additionally, I was not properly served in connection with a garnishment order related to this debt, further complicating the matter. I sent a letter to the court addressing these issues, but Jefferson Capital Systems , LLC has not corrected the situation. Their actions may constitute violations of the FDCPA, Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2, and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ).

The company also failed to provide proper disclosure of my
rights to dispute the debt within the required timeframe, a violation of both the FDCPA and Regulation F. I believe these practices may not be isolated, and I request that the CFPB investigate whether these actions are part of a broader pattern of behavior by Jefferson Capital Systems , LLC that could be affecting other consumers as well. 

Despite my good faith efforts to resolve this matter directly with the company and the court, the issues remain unresolved. The continued reporting of this unvalidated debt threatens my creditworthiness and financial stability, which could have long-term consequences if not corrected. Additionally, the stress caused by these ongoing collection efforts has impacted my emotional well-being. 

Please see the attached documents for detailed information and supporting evidence regarding the events and actions taken by Jefferson Capital Systems , LLC that have led to this complaint.
Product: Credit card or prepaid card

On Friday XX/XX/17 we received an email that we joined Chime and an alert to a new login from Texas. We are in Pennsylvania. We never opened this account. The same day we emailed the support email and they asked for photo ID and SSN number. We told them no way. Then they asked for a photo ID and the last for SSN. We reiterated we did not open this account. They have not told us the account is closed.
Product: Credit reporting or other personal consumer reports

I am currently dealing with identify theft and the thieves are calling into XXXX and XXXX to unfreeze or unlock my credit report. These XXXX credit bureaus do not offer adequate security against identity thieves that has your address, date of birth and social security number. Using these XXXX pieces of information they're able to pull your credit report using several different methods, including XXXX. All XXXX of the major bureaus uses your credit report as the security method to verify your identify. XXXX and XXXX do not offer methods of providing additional security to prevent further attempts on an individuals credit. They security of their online accounts can be easily bypass by calling into customer support to have the account login information changed.
Product: Credit reporting

There was confusion on why a collection agency reporting to my credit report that I had an account in default as I had no knowledge of any account of the sort and the location of the collection agency was in a state that seemed like it was not related to me either. Anyhow I opened an inspection into the collection agency through the cfpb which allowed for the collection agency to look further into my case and they found that I had indeed not been notified by the hospital of what was a special deductible/co-pay for a XXXX. I did n't realize that this deductible was separate from my normal medical deductible which had already been covered for the year from a separate XXXX. As a result of this reinvestigation on the Collection Agency 's Part explained to me what the charges were and why I had not been informed about them. They also offered me a " one-time special offer, '' as they put it, this offer as they explained would remove any mention of the account going to the collection agency from my credit files and it would resolve in full all claims by the hospital in question. They said that they would be willing to discount the amount that I would need to pay by XXXX %. I took them up on their offer and their word that it would not appear on my credit report. It now appears on my credit report as settled legally for less than the full amount and it has it under the collection agency 's name as the creditor claiming this fact.
Product: Credit card

I refinanced my mortgage in XX/XX/XXXX, and part of the process is to pay my outstanding debts. The escrow sent me checks payable to Macy 's for {$2800.00}. I returned the checks because there was an excess of {$800.00} or more, because Macys wo n't refund me cash, instead will just give store credit. But until now the escrow can not pay my Macys debt. I called Macys and said they assigned me new numbers which they do n't want to give me or to the escrow company. I want to close this account, because Macys has been charging me twice for a late fee ( if I am late ), in XXXX credit card. I keep paying the balance of my Macys to avoid penalty fee and keep paying my mortgage including my collectible of {$2800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to XXXX, Equifax, and XXXX. These credit bureaus have ignored repeated request to correct multiple errors reporting on my credit report. Per the Fair Credit Reporting Act everything being reported by the credit bureaus should be identical! However, the credit bureaus have failed me. They are reporting incorrect information on my credit report. Secondly, my credit report is showing charged-off items as charge-offs and collections this is incorrect reporting. That means these accounts are improperly categorized. It is reporting as charge-off meaning this account is actually considered income under consumer law and therefore are not debts at all. There are multiple reporting errors there is also an account that is also a charge-off that has a reporting history of nothing but CO a charge-off also does not warrant a reporting history! This is wrong. XXXX Department of education are reporting 90 day late payments with no other late payment entries which is also incorrect reporting. XXXX  is also reporting incorrectly theyre saying I have 12 90 day late payments and the payment history I am attaching also reflects that incorrect reporting.
Product: Credit reporting or other personal consumer reports

I hope this communication finds you well. I am writing to express my deep concern and frustration with the unsuccessful attempts to remove fraudulent items from my account with Credit Bureuas. Despite multiple efforts to address this issue, the resolution process has proven to be challenging and unproductive. 

I discovered unauthorized and fraudulent transactions on my account, which has caused significant distress and inconvenience. Since then, I have been diligently working to rectify this matter by contacting your customer service department. Regrettably, each attempt to resolve the issue has been met with limited success. 

I understand that fraud-related matters require thorough investigation, and I appreciate your commitment to addressing such concerns. However, the lack of progress and effective communication has left me feeling dissatisfied and vulnerable. 

I kindly request the following actions to be taken promptly : A comprehensive and expedited investigation into the fraudulent items on my account. 
Clear and transparent communication about the steps being taken to address and rectify the fraudulent transactions. 
Timely removal of the fraudulent items and restoration of my account to its rightful state. 
I expect a resolution to this matter withinthe exact timeframe from the date of receipt of this letter. It is crucial that the necessary measures are taken to ensure the security of my account and to prevent any further unauthorized transactions. 

If the issue persists without a satisfactory resolution, I may have no choice but to escalate this matter further, including involving relevant regulatory authorities and seeking legal counsel. 

I trust that your organization takes matters of fraud seriously, and I appreciate your immediate attention to this pressing concern. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following accounts were on my credit report as Charge off with balance : XXXX XXXX  XXXX XXXX, XXXX XXXX CARD SER.. .. the payment history of late payments are completely inaccurate, and lacking.. I paid the account in full, no balance ... Date of last activity is also not correct. So many errors! CFPB step up and remove this listing
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX some accounts were opened in my name as a result of Identity Theft. 
I only found out in XXXX of XXXX when trying to open an account at my local credit union. 
I went to a XXXX XXXX XXXX branch where i spent an hour and a half on the phone with other representatives only to leave with no claim filed. I later found the claim phone number and got a claim opened on XX/XX/XXXX. I was told I would be sent an email to upload information so the claim can proceed. I have still yet to receive the email. I disputed the Information directly with XXXX XXXX XXXX  and the information was removed however, this information is still being reported to Chexsystem and needs to be removed since it is preventing me from banking anywhere other than a prepaid bank. I need this issue resolved. I have called them 3 times since and every time they tell me ill receive the email in 72 hours and of course i never do.
Product: Consumer Loan

I have not been given credit for the payments I have made since XX/XX/2015. It appears more has been added to the report. I do not have a contract with LVNV and will be filing a counter suit in XXXX if they do not remove the derogatory remarks. I have not missed a payment and I assured them I would pay XXXX through correspondence. They refuse to correct the report. They bought the loan from XXXX who I am unable to co tact. I have disputed this previously,. To date I have paid {$920.00} and have proof through bill pay from my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on REGIONAL ACCEPTANCE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

. 
To whom it may concern,, I looked at my report. I sent a letter to Equifax asking them to reinvestigate these accounts : XXXX  XXXX, they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation 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-i ) 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 reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- the person has been notified by the consumer, at the address specified by the person for such notices, that specific informatin is inaccurate; and ( i ) the information is, in fact, inaccurate.

Equifax really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
Product: Mortgage

my mortgage company which is meant to be paying my property taxes has not paid XX/XX/XXXX and are late paying 1st installment of XX/XX/XXXX, they are showing an amount of {$5900.00} paid twice a year in the amount of {$2900.00} each payment, they only paid {$710.00} but they showed on my account they were releasing {$2900.00}, im now delinquent with the XX/XX/XXXX payment which is short {$2000.00} as i received bill for {$340.00} which i personally paid. I have been emailing and calling them since XX/XX/XXXX and i get no answer from them each time
Product: Credit card or prepaid card

Dear consumer affairs, regarding the cash app account routing number XXXX account number XXXX XXXX. Prepaid card number XXXX XXXX my name is XXXX XXXX the account card name is integrity first phone number XXXX email address is XXXX XXXX. transaction date XX/XX/2022 the amount is {$350.00} Merchants name is XXXX XXXX XXXX I'm having serious problem with the cash app company refunding and returning back my funds On XX/XX/XXXX a charge try to come through from the XXXX XXXX for {$62.00} it was declined because my card was blocked.. on that same day which is XX/XX/2022 another charge came through XXXX for the XXXX XXXX XXXX that charge was accepted but the card was locked. 

On XX/XX/XXXX another charge from the XXXX tried to come through for {$10.00} that was declined because the card was locked on that same day XX/XX/XXXX another charge was trying to come through as well for {$200.00} from a XXXX that charge was declined as well because the card was blocked. 

. On XX/XX/XXXX I received a text stating that the {$170.00} charge on the XXXX was changed from XXXX to {$350.00}. Causing my balance to go negative because the funds were not available. 

On XX/XX/XXXX I closed the card down. 

On XX/XX/XXXX you can see that I registered my cash app account on another device because the device that I had was stolen or lost not sure. 

I have reported this to the police I have made a police report regarding this here I've been disputing this with the cash app customer service since these charges occurred and the results have been Negative they have not tried to help me in no way shape or fashion or form. 

This charger is not my charge it is a federal law and regulations that unauthorized charges card holders are not responsible for and I'm being held responsible for a charge is not authorized. 

By the cash app company holding my funds it as cause my other accounts and other bills to become negative IThis as caused cause me to have to pay fines fees as well. 
Included in this too is a police report regarding this transaction
Product: Debt collection

I owed the  XXXX   XXXX  a balance of {$720.00}. My bill started out at approximately {$1500.00}. I was on a payment arrangement with the clinic and making timely payments of {$100.00} per month. On    XXXX   XXXX  , 2017, I received a collec tion letter  from Transworld Systems , Inc. I c alled and spoke with  XXXX   XXXX  and she extended a settlement offer of a 20 % reduction. I paid the amount of {$570.00} via credit card on that phone call. I have now received another collection letter stating the 20 % or {$140.00} is due. I ca lled Transworld Systems , Inc. an d spoke with  XXXX   XXXX . He put me on hold and when he came back to the line informed me that the settlement offer was not going to be honored and the money was due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Trans Union in regards to the glitch that happened last summer in XX/XX/XXXXand again in the beggining of the year XX/XX/XXXX where inquiries were deleted and then re added back to my report illegally due to the fact no one notified me in writing within the 5 days. These inquiries add a hardship and my rights were violated! Please fix this as I feel victimized by trans unions tactics
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : US DEPT ED XXXX {$3400.00} US DEPT ED XXXX {$6700.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX  is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Checking or savings account

Please see narrative in previous complaint XXXX-XXXX. While this complaint is related to the same issue, it is not duplicative : the bank provided a response to the complaint and did not perform the actions they stated. I have attached the banks response to that complaint. The account in question is still open as of XX/XX/XXXX. The bank has failed to close this account for three months, and for two months after they formally stated they would close the account in their response to my initial complaint. If the account is not closed in a reasonable period of time, I will seek legal action. Capital One recently suffered a breach, and I do not want an open deposit account with this bank. They have refused to do what they have stated they will on multiple occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : In accordance with the Fair Credit Reporting act, XXXX XXXX / XXXX Bank has violated my rights. They are reporting a 30 day late payment for the month of XXXX. I have been extremely frustrated with companies due to the constant improper reporting, my flights are constantly being violated and it is causing a major hinderance to my life. 

These companies have 30 days to respond according to the Fair Credit Reporting Act.

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 an account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

Please update my XXXX XXXX/ XXXX XXXX account to Paid as Agreed, Never Late.