23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS has violated Federal laws concerning the use of private information. JEFFERSON CAPITAL SYSTEMS is obligated by the FDCPA to report accurate accounting, consumer has been attempting to resolve an issue by requesting JEFFERSON CAPITAL SYSTEMS to provide documentation used to determine that all disputed negative accounts were verified, consumer is requesting how it was verified and who verified them info on what language is being used and an updated presentment communicating in a living language. If XXXX XXXX XXXX isn't able to provide said items, negative accounts must be removed immediately. Consumer has attempted to resolve this matter for over a year, Consumer is providing 3 days to verify the alleged debt JEFFERSON CAPITAL SYSTEMS you are interfering with commerce and this is a Federal Crime.
Product: Debt collection

For the past 5 days I have received numerous calls from a phone number associated with a debt collection agency dba as Amsher. They are calling from XXXX and then either hanging up or leaving empty voicemails on my phone, both of which are most unwelcome and unwarranted practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send several disputes letters within the last six months and the most recents one 60 days, I have sent a letter from XXXX XXXX stating the paid my car loan off to XXXX consumer yet it still appears on my credit report and have n't receive any response from niether companies verifying, they have 30 days as part as the fair credit act to respond if not it has to be deleted, acceptance now also shows up and never been verified, I have hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that I did n't apply for, I am filing a class action lawsuit if its not fix. My name, addresses, employer, has n't been corrected as well I sent in my proof of identification and social security card and still nothing, please remove all incorrect information as your company did n't respond in a timely manner, XXXX XXXX XXXX XXXX ice nevee been four payments late I changed my due date
Product: Credit reporting or other personal consumer reports

there are a lot of information on my credit that is not correct. I need these items to be remove from my credit report. XXXX XXXX stating XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these items are not correct please remove them.
Product: Money transfer, virtual currency, or money service

I got an online job through XXXX on XXXX XXXX, 2017. The person I got hired by claimed to have the name of XXXX XXXX. He sent me a check from a " customer '' for {$840.00}. I was to keep {$400.00} as I had already worked for him for over a week, and {$440.00} of it was to go to his " printer '' who would print his paintings on canvases. ( He says he 's an artist and that 's what he said I was going to be doing for him -- setting up invoices, creating a website for his company, etc. ) I waited 4 business days, and by the looks of it, my check had cleared that he sent me, so I sent his " printer '' ( whose name was XXXX XXXX - I also have his XXXX XXXX XXXX account # to verify him : XXXX. I suspect this is actually who " XXXX XXXX '' is since this is who I was told to send the money to ) {$200.00} on XX/XX/XXXX, then {$240.00} the next, XX/XX/XXXX. The following day, Chase Bank returned my check saying the Payor stopped payment. He then said he would transfer the funds into my account and that there had been some kind of mistake. He sent me another check from a " customer '' to deposit -- fortunately I was on to him at that point. He has now blocked me from XXXX XXXX -- our main form of communication. HELP!!!!!!!
Product: Credit card or prepaid card

I purchased a pair of shoes on XX/XX/2023 from XXXX using my citibank credit card. XXXX is a company that is supposed to act as a middleman to verify the authenticity of shoes. When I received the shoes I tried to verify them myself and I determined they were fake through using a verified XXXX channel that compares real vs fake shoes. The shoes I received were consistent with the fake pair the XXXX was displaying. I submitted a claim to XXXX within their 3 day guarantee they denied it based on saying I did not submit the correct pictures. I believe that this is impossible because you can not click submit on the form until all the requirements are satisfied. Then I tried to resubmit this claim with the shoe company and they denied it. This is when I escalated it to citi bank. After their investigation and receiving information from the shoe company, Citi gave me about a month to respond. In all honesty I had drawn up an email to Citibank on my phone with all the requested information and believed I sent it. However about a month after I thought I sent it I checked the Citibank phone application and they said they never got the email I sent and ruled in favor of the merchant. After asking them to reopen they declined, and now Im responsible for paying to fake shoes that I bought from a company who are supposed to verify that shoes are legitimate.
Product: Credit reporting or other personal consumer reports

I'm Looking at my personal credit report and noticed fraudulent hard inquiries on it. I want to remove these fraudulent inquiries as soon as possible .Inquiries are as follows XXXX 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 recently got a copy of my TransUnion credit report.. Upon review of my credit report, I found that there is an inaccurate and unverified bankruptcy on my report.This has negatively impacted my ability to receive credit and has resulted in unnecessary embarrassment and inconvenience. 
As stated in Section 609 of the Fair Credit Reporting Act, ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file unless the information is outdated under Section 609 or can not be verified. 
As is my right, I am requesting verification of the bankruptcy reported on my credit report. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

cashapp reported that I had I believe XXXX XXXX XXXX  accounts and reported them to the XXXX I have never had six accounts with cash app I requested information that was reported to the XXXX and cash up told me that they could not provide me information unless I knew the email address associated with the account I only had XXXX Cash apps total XXXX in which got closed by them saying I had suspicious activity and so I used the two for quite a while and till they close them also saying I had suspicious activity so obviously somebody opened accounts in my name and use them and then decided to report that income that was going into the fake accounts to the XXXX  and now XXXX is saying that I owe them I believe XXXX because they said that I did not claim all my income and they want me to pay taxes on it they won't help me they won't give me any information and they allowed fraudulent accounts to be open under my name
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

We were wronged by Wells Fargo and have had to move multiple times because our credit was ruined. They would not work with us and we lost our home. This happened in the mid 2000 's. I am afraid they can not contact us because their information is outdated. They will have to look our information up as I no longer have the records but they should in their system. 

Our addresses were : XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I have identified several inquiries that I did not authorize. The details of these unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am concerned about the potential impact these unauthorized inquiries may have on my XXXX XXXX and overall creditworthiness. Therefore, I kindly request that you investigate these inquiries and provide proof of authorization. If you can not provide documentation that verifies my authorization for these inquiries, I ask that they be removed from my credit report immediately. 
Enclosed are copies of my credit report highlighting the unauthorized inquiries for your reference. Please notify me of the outcome of your investigation and any actions taken to resolve this matter. 
Thank you for your prompt attention to this issue. I look forward to your response. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian recently regarding credit inquiries that are appearing on my credit file. I never gave anyone permission to pull my credit. I've called Experian numerous times and passed to voicemail with never receiving one single call back. The following inquiries are fraudulent : XXXX XX/XX/XXXX XXXXXXXX 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

To whom it may concern : I reviewed a copy of my credit report and ( Bank Of America ) ran an unauthorized credit inquiries on me on ( XXXX XXXX and XXXX XXXX ). 
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact ( Bank of America ) and  investigate such occurrence. 
I am requesting and updated copy of my credit report, which should be sent to the address. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part  of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 
Thank you, XXXX XXXX
Product: Credit reporting

I received a response from a Consumer Credit Reporting investigation concerning information contained in my Consumer Credit Report from Equifax. I requested the investigation more than 18 months ago. The response had a gross error in reporting current employment information, reporting that my current employer XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX Was n't included, even after recent employment updated proof was submitted by mail, and the results of the reinvestigation showed erroneous information about a former employer being my current employer. I am submitting that proof along with this complaint.
Product: Credit reporting

Since XXXX XXXX, 2016, I 've been attempting to request my free annual report from Experian, though XXXX. Each time, when I get to the end after entering my info and choosing Experian, I get the message : " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

XXXX XXXX. XXXX XXXX XXXX, GA XXXX '' So, the online form is n't working with them at this time, and they have n't fixed it after two weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Team - GMFS , LLC loan processing company has big issues with their IT systems. I had a mortgage payment set up via auto-draft. Please see the attached doc where payments were deducted on the XXXX of each month within 15 days of the grace period. I have never been late on the mortgage payment and they have reported it 30 days late for XXXX, XXXX, XXXX, and XXXX while it was not late. 
In XXXX, money was in the account and their system had issues and only deducted half payment and I immediately called and paid the remaining which they deducted in XXXX. 
I do not trust their system so I have removed the auto-draft and manually paying it. I am having XXXX XXXX due to this during this difficult time when you need a good score. My score has dropped with their inaccurate reporting. I spoke to them and they said they will review but have not responded yet.
Product: Credit reporting or other personal consumer reports

XXXX is reporting unknown credit accounts. Requested documentation over the last year with no results XXXX XXXX XXXX XXXX XXXX  Child Support
Product: Credit reporting or other personal consumer reports

Company is in violation of federal law 15 U.S. code 1666b ( a ), which states that a creditor may not treat a payment on a an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Over the past two years, my credit rating has dropped XXXX points due to a poor rating from XXXX XXXX XXXX, now XXXX. In XXXX, during the XXXX pandemic, when my student loan payments were suspended by the federal government, XXXX reported the following monthly payment to XXXX, TransUnion and XXXX as late/deliquent : XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. To correct this error, I contacted Navient/Aidvantage by phone XXXX XXXX, XXXX to have the incorrect information remove. I was informed by a XXXX representative that I had to contact the XXXX credit bureaus, as XXXX took no responsibility for the misinformation. Therefore, on XXXX XXXX, XXXX, I filed online credit report complaints with XXXX, TransUnion and XXXX. About 5 days later, the XXXX credit bureaus informed me by email that the erroneous information would not be removed because it was reported to the bureaus by XXXX. Therefore, I was instructed to contact XXXX to have the incorrect information removed. However, as stated previously, I had already contacted XXXX before filing online complaints with the XXXX credit bureau. Essentially, the XXXX credit bureaus and XXXX are not taking responsibility for the incorrect information that dropped my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unsuccessful disputing this information with the company directly so I am seeking your assistance in this matter. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DUPLICATE The above accounts have violated my rights according to 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. This needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX XXXX numerous times to remove late payments from my credit report. I have never paid late with them. I have tried to dispute the late payments with the credit bureaus and with 3rd party companies and seems to go nowhere? I have talked to them also and the first time I did I told them my situation and told them about my identity theft issues I was going through with my bank and someone stealing my social security and they told me to not worry that the payment I processed that was returned would not show on my credit but it has been years now and it has never been removed and it is hurting my credit score to now be able to buy a home.I do not know what else to do!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am filing a formal complaint against the credit bureaus TransUnion, XXXX, and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account. Despite submitting multiple disputes ( letters dated XX/XX/XXXX and XX/XX/XXXX ), the inaccuracies remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Below are the details of the disputed account and discrepancies : Account Name : XXXX Account Numbers : TransUnion : XXXX XXXX : XXXX XXXX : XXXX High Balance : TransUnion & XXXX : {$220.00} XXXX : {$200.00} Credit Limit : TransUnion XXXX XXXX XXXX {$200.00} XXXX : {$0.00} Late Payment Reporting : TransUnion : XXXX XXXX payment in XX/XX/XXXX XXXX : XXXX late payment in XX/XX/XXXX XXXX : XXXX late payment in XX/XX/XXXX Discrepancies : Credit Limit differs between TransUnion/XXXX and XXXX. 
Inconsistent late payment reporting across the bureaus. 
XXXX has erroneously marked the dispute status as " Consumer disputes after resolution '' despite the issue being unresolved. FCRA Violations : 1. 15 U.S. Code 1681i : Failure to ensure the accuracy of information and reinvestigate disputed items.

2. 15 U.S. Code 1681b : Inadequate verification procedures and potential violations of my privacy rights. 3. 15 U.S. Code 1681c : Reporting outdated and incorrect account details, including discrepancies in late payment dates. TILA Violations : 1. 15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the due date, which did not happen in this case. 2. Failure to provide accurate and timely disclosures, as outlined in the Truth in Lending Act, causing harm to my creditworthiness. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the importance of timely and accurate statements from creditors, preventing unjust penalties and credit reporting errors. Desired Resolution : 1. Immediate removal of the inaccurate 30-day late payment notations for XX/XX/XXXX and XX/XX/XXXX across all bureaus. 2. Correction of the credit limit discrepancies to reflect accurate information. 3. Written confirmation of the resolution and correction to my credit report. The continued inaction regarding my disputes is unacceptable and has caused undue harm to my creditworthiness. If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with regulatory agencies and pursuing legal action. 
I have attached all relevant evidence to substantiate my claims, including a detailed breakdown of discrepancies, payment history, and prior correspondence. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Savings Account at Northwest Bank, Acct. XXXX XXXXXXXX. Account closed. Northwest did issue a check XXXX XXXX XXXX XXXX XXXX XXXX. Amount {$3600.00}. Unfortunately, the check got returned. 

I have sent a request to have the check replaced, or perhaps they send me a draft. XXXX request XX/XX/2024, 2nd request XX/XX/2024. No response from the company. I need your help in this matter, they do have to send those funds to me.
Product: Debt collection

On XXXX XXXX XXXX, XXXX from Mechanics Bank ( her number is XXXX ) vhad repeatedly researched all the numbers associated with my name discussing my auto loan. I had missed one payment and she repeatedly left messages, texting about my auto loan, when I had left her a voice message for her to stop searching and calling different numbers leaving messages and texts. However, she has my home address and phone number for contact. This is not the first, I had faxed in letters stating for Mechanics bank not to search and call other people / phone numbers repeatedly. When I had called her, she does not answer the phone. 
She had called again recently, even when I had left her a message stating I will make the payment this week. 

In the future, I would like Mechanics Bank not to leave messages or text other numbers, she has my personal contact on file. I hope she does not do this to other consumers, as she is very rude when she leaves messages, not even a thank you or polite way to end the call on all her voice messages and texts.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago, I had gotten the Credit Score up to XXXX ; for some reason, they then took off my Student Loans for 1 month and the score went up to XXXX, they then put the Student Loans back on my credit and dropped the score 100 points. That is fraudulent activity, I have screen shots of my score and worked hard to increase it. I want my score back to XXXX, because it was never without my Student Loans before, so it was fraudulent to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed numerous times prior to no avail, late payments can appear on your credit report and stay there for XXXX years. Late payments remain on your credit reports for XXXX years from the original date of the delinquency, which dated back to XX/XX/XXXX on my report. The original delinquency date, seen on the attached Equifax credit report # XXXX, XXXX XXXX XXXX XXXXXXXX was on XX/XX/XXXX. This has passed the XXXX law for removal. Please see XXXX listed on page XXXX OF XXXX on the credit report. XXXX REPORTED DELINQUENCY is on page XXXX OF XXXX. Both section were highlighted for Equfax to review. I requested that Equifax to please follow the FTC Regulations of 30 days, to remove this creditor from my report permanently and to prevent further action. I attached a copy of the report with a letter. I sent it by certified mail. Equofax has alloewd XXXX to consistently abuse and used deceptive actions to create false information. They have gone as far as to place fake payments on my report. They removed all of the delinquencies dating as far back to XX/XX/XXXX, in an attempt to keep XXXX XXXX XXXX XXXX. listed on my report. Equifax took 5 days to review and concluded that their report which XXXX XXXX XXXX XXXX was correct. They did not send any correspondence by mail in reply to my dispute by mail. I spoke with Equifax on XX/XX/XXXX, was told that the creditor was correct, despite seeing a different date on their Equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these deleted Its been over 90 days and still havent gotten a response according to the FCRA anything that has been fraudulent or unauthorized must be removed off my credit report. I have also submitted an identity theft report and still havent gotten these inquires removed.