23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX  Account # Unknown XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXXXXXX XXXX  Account # Unknown XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX I looked at my Experian credit report on XX/XX/year> and notice some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, 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 ( ii ) 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 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Case number XXXX, i returned item via XXXX XXXX Shipping Label Tracking : XXXX, the return was delivered on XXXX/XXXX/XXXX however i never got refund. I contacted and faxed all info to Chase twice, however they are not working on it.
Product: Debt collection

TO : Whom it May Concern RE : Fraudulent Misconduct by Collections Company SHERMETA LAW GROUP PLLC Case # XXXX, XXXX XXXX XXXX. XXXX  XXXX XXXX, MI XXXX P. ( XXXX ) F. ( XXXX ) On XX/XX/XXXX I received a letter from the Michigan Department of Treasury informing me that my State of Michigan tax refund is being garnished. This comes as a complete surprise to me since I was not aware of any legal action against me regarding this issue. Nor was I served either by mail or in person, I believe that to get this far in the legal process it takes 4 or 5 different filings with the court. At least 2 of these should be served in person on myself! None of this has occurred! How does the legal system allow this to happen? According to the letter from the Treasury department, the filings occurred in XXXX County XXXX District Court. I have not resided in XXXX County since XX/XX/XXXX. 
In XX/XX/XXXX I placed a Change of Address with the USPS along with signing up for the USPS Informed Delivery, which emails me a photo of the front of all mail being sent to me. This email arrives about 2 to 3 days prior to actual delivery. From XX/XX/XXXX to Present, I have not been sent anything from either the XXXX County Courts or from the law firm of SHERMETA LAW GROUP PLLC, XXXX. XXXX XXXX, XXXX, MI XXXX ( XXXX ). 
My Complaint is this, Who, When and Where signed for the Proof of Service or where, if any, did the mail go? According to the USPS ALL First Class mail IS forwarded to the new address. None of this happened! Who Forged the Proof of Service? Where was the mail sent, not to me! Why was it filed in the wrong County Court system? When there was more then enough time to file, serve and process the complaint in the Courts where I live? Its harassing enough to deal with Collection Companies, but how can they get away with the Fraud and Misconduct ( illegal nature ) of not following the rules! Its a shame that Collection Companies can get away with doing business this way. 
Being basically XXXX and XXXX, on a limited XXXX income ( normally exempt from creditors, though not a tax refund based on that exempt income! doesnt make sense. ) it is financially difficult enough to make do. Let alone when the system allows this too happen, the Fraudulent Misconduct by NOT properly serving and informing me of the situation. How many other people have also had this done to them by this company?
Product: Credit reporting, credit repair services, or other personal consumer reports

There were credit inquiries on my XXXX, TransUnion and XXXX credit reports that I didnt make.
Product: Debt collection

I had complained about this previously in complaint number XXXX. I have now paid in FULL the entire about of the judgement filed against me, which by the way was three time the original debt, which they purchased for pennies on the dollar. I called the court yesterday to find out the status of getting my bank account hold released since I completed the payment of this judgement in XXXX. And I received a statement from the court showing a ZERO balance due, listing all the payments made and the amounts. I was told that the collection agency is looking for MORE money. {$47.00} to be exact. And the woman from the court was going to make a second call to them to find out the status. And would call me back if she made any headway. Needless to say I did not hear back from her. I also went on the website NJ courts to see the status of the docket. The case status shows as closed. The Proceed status shows as completed. And there is a Document type of " Wage Exec Iss '' that shows as ACTIVE. My wages were never garnished. And I would like to know why this is active. And how I can get a COMPLETE release from Pressler and Pressler stating  I have COMPLETELY and TOTALLY satisfied any and all judgement and dealing with them. XXXX XXXX XXXX ( the account they levied on in XXXX XXXX ) will not allow me to close that account as they are saying they have received NO paper work stating they can remove the levy. Meanwhile they handed over the {$2400.00} or so dollars to the court and charged their {$120.00} in legal fees. I have now paid close to {$4000.00} for a debt that was originally {$1300.00} and I am still Being EXTORTED by this company. Their behavior is criminal and their tactics are shady. I want this done. I want a complete release from them and I will not pay them one more penny. As this is unfair and unethical treatment. They are taking advantage because they know where I work and how detrimental a problem like this could potentially be. This is the worst form of legal extortion I have ever encountered. Pressler and Pressler and XXXX XXXX ( another arm of their corrupt marginalization ) should be disbarred. Who ever heard of lawyers collecting debts for THEIR own profit. There should be so legality against this. I want the wage garnisment closed, erased, destroyed, however it is done and this docket closed. The docket number is XXXX. Everyone should know what a fraud this firm is. I am SURE I am not the first nor the last to complain about their unethical practices.
Product: Debt collection

On XX/XX/2024 I wrote all 3 credit bureaus a certified letter requesting that Jefferson Capital LLC validate the debit on my credit files. They are saying this is a debit from XXXX XXXX. I have never had any telecommunication service with this company. I requested validation of the debit showing that this was in fact my debit but never received any documentation, only an update from the credit bureaus saying it was validated. The account number that was provided on my credit file is XXXX in the amount of {$290.00}. The credit bureaus said the accounts were verified but never provided how they verified the account with the documentation that I requested in my letter to them within 30 days. I received no correspondence from Jefferson Capital, LLC regarding the debit validation that was sent. I am asking that this debit be completely removed if you are not able to validate the with the information I requested. How are you able to validate the account but not provide me with the documents I requested? This was my request : Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Again, I have NEVER had any services with XXXX XXXX. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am formally disputing the accuracy and reporting of the following account on my credit report per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance requirements : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the FCRA 611 ( a ), all information reported to the credit bureaus must be 100 % accurate, verifiable, and compliant with the XXXX XXXX XXXX XXXX XXXX XXXX ) Metro 2 reporting guidelines .

I am requesting a full investigation into the accuracy and completeness of this account 's reporting. If this account is being reported in violation of Metro 2 compliance standards-including, but not limited to, incorrect Date of Last Activity ( DLA ) XXXX inconsistent payment history, or unverifiable ownership-then it must be corrected or permanently deleted from my credit file. Experian and XXXX are already being sued for these sham investigations. 

I request that you : Provide me with the complete verification records for this account, including the method of investigation. Confirm that the reporting meets all Metro 2 data integrity standards. Remove the account immediately if it can not be 100 % verified as compliant with federal and industry standards.

Creditor did not Provide : Requested Validation Chain of Ownership ( Securitization ) Assignment Contract with Wet Signature Please respond within the legally required timeframe of 30 days. Failure to comply may result in further action being taken. I appreciate your prompt attention to this matter and look forward to your written confirmation. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

They continue to call me for a debt collection for my son which is n't even a debt. They said it was for XXXX but he has paid everything he owes to XXXX and has a toll tag that auto debits from his bank account! And actually XXXX said they did n't turn his account over to any debt collector! So I asked them to discontinue calling my house and now they still call but no one talks. Just silence!! It infuriates me because we run to answer the phone for this!!
Product: Mortgage

I received a letter from the money source regarding my home being foreclosed in and that I need to pay the full amount. It is my understanding FHA doesnt require full payment and this letter sent to me tells me Im in violation when its clear I am in the forbearance program. If TMS is sending this letter to their customers then they are in violation to FHA mandates and is intentionally providing false information and scaring people about losing their homes. Please investigate this matter and contact this lender to contact their actions. Thanks.
Product: Credit reporting or other personal consumer reports

EQUIFAX has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed inform credit report, leaving inaccurate or unverifiable accounts unresolved. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed account appeal. Complaint XXXX market as close. While I carried a balance everything was fine with the periodic reviews you claim on the response, I had extraordinary payment history and the company was making money on interest charged. Once the balance was brought down to zero you closed the account during the middle of the pandemic and too away the credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX  XXXX Balance XXXX {$3200.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$7900.00} ; XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$5400.00} ; XXXX CARD XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$26000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$22000.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX  XXXX XXXX  ) XXXX Balance : {$13000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

XXXX called my mother who lived in another state and told her that the police were looking for me and something about me going to court and that I needed to call them asap! and They told her that they had been to my house a few times and failed to find me!!!! I have called them and asked them to stop calling me so now they are calling my family members
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / 120 days late in XX/XX/2020, as well as 90 days in May 2020, 30 days in XX/XX/2020. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Debt collection

This phone number calls me all day everyday. It's annoying. The phone number is XXXX.
Product: Consumer Loan

My father purchased a New Vehicle the Contract says 0 % APR with Purchase of XXXX Please see Admittance by ford motor credit XXXX XXXX 15 %
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I and my family have been in search of a new home. I noticed a numerous amount of accounts, a social security number, addresses, etc. on my report that do not belong to me. i have filed a police report Please remove this fraudulent activity from my report immediately.
Product: Credit card

I received a hard hit for credit card I didn't apply for with XXXX XXXX XXXX. I would like it removed from my hard hits.
Product: Credit card or prepaid card

I have been a Capital One credit card customer for 31 years. My account has always been in good standing. In XX/XX/2022, I noticed fraudulent activity and immediately called Capital One. The customer service representative was great, went over charges, and sent me another card. On XX/XX/XXXX, I was booking a surprise trip for my family as a XXXX gift and my card was blocked. I called fraud protection and they lifted it. Then, on XX/XX/XXXX, I was doing online shopping for XXXX with the virtual card # ( to protect myself and my card ) and was shut down again. I called fraud protection, they had me send a copy of my license to them and said they released my card. The woman at fraud protection stayed on the line to make sure my charge went through. It didnt. She then told me, my card had been restricted and I had to send in several documents to prove I am me, one of which they wanted was a COPY OF MY SOCIAL SECURITY CARD. I told the woman I was not sending that in. I have spoken to several in the fraud dept ( one which was a supervisor ) and was told unless I send a copy of my social security card, they would not release the restriction. I have told everyone I have spoken to that I would send them any information they need, but with fraud these days, I would not send my social security card. So, I told them I would pay them off and we would end this 31 year relationship. Well, I had {$730.00} of points on my account that I was going to use towards my trip. They will NOT allow me to use the points bc my account is not in good standing. I advised the supervisor that I have done nothing to put my account in bad standing, this has been their doing. I paid my card off except for the {$730.00}.

I feel like the criminal here and I have done nothing wrong. Capital One does not want to work with me unless I give them a copy of my social security card. That isnt happening. I feel they should honor the points that I rightfully earned. Again, they chose to restrict my account and I am the one who made the charges I have been a loyal customer of Capital One. It is the ONLY credit card I had. And I used it for most of my purchases. So, I went through XXXX season without a credit card and again, I did nothing wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do a verification on my credit report which they did. They stated everything on my report was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they researched it. 

XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Original creditor In accordance with the Fair Credit Reporting Act Convergent the accounts has violated my rights. 

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
Product: Checking or savings account

a false check went thru my chase checking account ive never had checks with Chase and the XXXX XXXX  loan was from XX/XX/XXXX and has been sold to collection agency went and got copy of the check from Chase and its has the collection agency/XXXX XXXX. this was not authorized my bank automatically knew it was fraud cause i have no checks unauthorized i called them a few months ago to see if the would work with me and the balance but they wouldnt budge and now all of a sudden a false check for the full amount owed went thru my account
Product: Debt collection

My credit has been negatively affected by false claims about a debt and balance reported by JPMCB Card Services. XX/XX/2020 XXXX  reported a charge off - XX/XX/2020 - XXXX  reported payment after charge off - XX/XX/2020 XXXX  reported legally paid. These claims are false, I paid a debt not owed to save my credit and my credit is being unfairly impacted. Dates, amounts, balances, acct holder all inaccurate. Please remove from my report.