23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company calls me from many different phone numbers that are unmarked ( no caller ID ) but when I look them up, it all belongs to the same company. It has the locations of the number, and usually its different states. They call me everyday, every morning a few times a day. I have to put my phone on do not disturb mode, thats how often they call me. And since I put it on DND, I miss phone calls from my family and friends. Its starting to effect my life to the point where I barely look at my phone anymore.
Product: Credit reporting or other personal consumer reports

Dispute for Unverified Account Request for Method of Verification Hi, Im writing about an account on my credit report that I think is inaccurate and hasnt been properly verified. After looking over my credit reports from the other bureaus, I noticed that this account doesnt seem to match up. 
Under the Fair Credit Reporting Act ( FCRA ), youre supposed to make sure the information you report is correct and do a full investigation when someone disputes an account. Based on what Ive found, I dont believe this account has been verified correctly. 
Here are the accounts Im disputing : Account Name : XXXX XXXX, Account Number : XXXX, Issue : Unverified Account Account Name : XXXX, Account Number : XXXX, Issue : Unverified Account Account Name : XXXX  XXXX, Account Number : XXXX, Issue : Unverified Account Account Name : XXXX / XXXX, Account Number : XXXX, Issue : Unverified Account Account Name XXXX XXXX Account Number : XXXX, Issue : Unverified Account Account Name : XXXX XXXX XXXXXXXX, Account Number : XXXX, Issue : Unverified Account Account Name : XXXX, Account Number : XXXX, Issue : Unverified Account Account Name : XXXX XXXX Account Number : XXXX, Issue : Unverified Account Account Name : XXXX XXXX, Account Number : XXXX, Issue : Unverified Account I also know about the recent lawsuit between the CFPB and XXXX, where XXXX got called out for not handling disputes properly. Id like to avoid having to escalate things, so Im giving you the chance to take another look and make this right. 
Heres what I need from you : A clear Method of Verification ( MOV ) that explains : Who you contacted to verify this account ( their name and contact info ). 
Exactly what steps you took to investigate my dispute. 
Copies of any documents you used to verify the account. 
If you cant properly verify this account, I want it deleted from my credit file. 
Just so were clear, under the law, I have the right to know exactly how you investigated this and verified the account. If you cant give me that information, XXXX have no choice but to take this to my states Attorney General, or other authorities. 
I expect to hear back from you within 15 days. If you cant verify this account, please remove it. If you need to contact me, use the address above.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was closed in XXXX. XXXX XXXX continues to report late payments on my credit from XXXX until XXXX. There should not be any late payments on a closed account
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Account number ( XXXX ) Amount of debt ( {$790.00} ) To Whom It May Concern I am in receipt of your companys letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records, I am unable to find any documentation of any contractual relation between you, { Jefferson Capital Systems LLC } and me, { XXXX XXXX }, which makes you a person entitled to enforce a commercial claim against me.This letter is not a request for verification or validation. 

This is a request for proof of contract to substantiate your claim.Therefore, provide me a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. 

Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy made is in fact a copy of the original paper contract in question. 

Your failure to respond and provide strict proof of contract will constitute your tactic agreement that { Jefferson Capital Systems LLC } is not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following 1.File a complaint with attorney General.

2.File a complaint with the federal Trade Commission .

3.File a police report against you for harassment and invasion of privacy.

4.File a complaint a lawsuit against you in my county for harassment, fraud, and invasion of privacy You have 30 days to provide strict proof of contract.In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to a consumer reporting agencies.In the event you transfer this account to an attorney without providing proof of contract will, he or she will be immediately reported to the State Bar Association and Professional Liability Fund For code of ethics violations. 


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

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removal of the erroneous information about the unauthorized inquiries has been consistently neglected by Equifax. Despite sending them written letters since XX/XX/2021, I have not received any response up to this date. Besides, the inaccurate information about my inquiries are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request the removal of a fraudulent inquiry from my Equifax credit report. On my recent credit report, there are several inquiries from " XXXX '' dated XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX which I did not authorize or initiate. These unauthorized inquiries are a result of fraudulent activity, and it is negatively impacting my credit score and overall credit profile. I have never applied for any service or product associated with any of the entities listed above. I kindly request the CFPB to intervene and facilitate the immediate removal of this fraudulent inquiry from my Equifax credit report. Additionally, I urge Equifax to conduct a thorough investigation into this matter and take necessary actions to prevent such incidents in the future. Thank you for your prompt attention to this urgent matter. Sincerely, XXXX XXXX XXXX XXXX Aver XXXX XXXX XXXX, Tx XXXX
Product: Debt collection

XXXX Account type XXXX XXXX Individual Date opened XX/XX/2023 Status Collection account. {$930.00} past due as of XX/XX/2023. 

Before this point I contacted the hospital and told them they needed to bill my insurance since I had it and they refused to so. I am willing to pay my copay for this but I'm not willing to pay that total when I had XXXX at the time, they know it but I didn't have my XXXX card on me. They refused to bill XXXX  therefore the account should be paid in full. Now it's reported to the credit bureaus which is hurting my credit.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX After setting up a payment arrangement XXXX has been harassing over the phone. They have not provided an accurate assessment of the loan or provided accurate documentation. They did not respond to the loan discharge request in writing. They responded with an unsigned promissory note. They threatened to put me back in garnishment, for refuting the increase in the loan borrowed amount. They did not provide any information in regards to the amount owed.
Product: Money transfer, virtual currency, or money service

My savings account had XXXX unauthorized XXXX transactions on XX/XX/year> totaling {$1200.00} and my checking account has an unauthorized bill pay of {$500.00} processed on XX/XX/year>. I had to open 2 separate claims, XXXX for the XXXX Transactions and another for an online bill pay to XXXXXXXX XXXX and the bank denied both claims. Per Wells Fargo, they advised that unauthorized activity was made through a secure online banking session by me or someone who had my authority and that there were no other processing errors. Essentially the bank is saying that I gave authority for unauthorized activity on my account. These were all fraudulent transactions by scammers as my account was hacked. I have banked with this institution for 10 years and these transactions were clearly not in alignment with the normal history of my banking activity. I have requested the documents they used to make their decision and was told it would take up to 30 days to receive that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with DYCK ONEAL. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX and XXXX  with no successful resolution. There was definitely an error on their part. I was never late.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX **I HAVE NEVER BEEN ASSOCIATED WITH THE ADDRESS THESE FRAUDLENT ACCOUNTS HAVE ON FILE. THEY HAVE ALL BEEN REMOVED FROM MY TRANSUNION, XXXX, AND XXXX. UNDER FTC, FCRA, USC SEC 15 1681. 1682, 1683, 1682, 1692g these illegal accounts under a fraudlent item must be removed immediately from receipt of this letter. 

The account listed below and inquiries are illegal and needs to be removed asap. I am not identified what so ever with this nor any fraudulent accounts tied to my credit profile. I have been in the process of repairing and fixing my credit report and this is the last illegal account attached along with said inquiries. Please remove this last illegal account asap Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I applied for a Bank of America account XXXX XXXX 2016 in the branch and was told that initially my account was denied because I was in XXXX. I brought a letter from XXXX XXXX Services proving the account listed was fraudulent and verified as not mine. The branch manager called risk management and overrode the system and gave approval for me to open checking and savings. I deposited {$25.00} to each to open. The very next day, the accounts were closed because of XXXX so I went back in to the branch and so began a month long journey. First I was told it needed to be escalated to the Marketing Managerr XXXX and that I would be able to open it in a few days. Called back and was told he approved it and risk management overrode him and refused to open the account. I called risk management and was told that there was an issue and they would not override the decline and needed the marketing manager to approve it again. I called the branch and was told by XXXX that she was emailing him for an answer. This went on for two weeks and no one ever had an answer for me. I 'm still going back and forth between risk saying its the marketing manager and the manager saying its risk who wo n't approve the account
Product: Credit card

Netspend sent me a debit card without my consent. I did not sign up for a card with this company.
Product: Credit reporting or other personal consumer reports

I have tried to get Equifax to help in removing inaccurate and fraudulent information. I have submitted police reports, FTC reports, and proper indentification. They removed items initially and then reinserted them, which is violation of the law. 

See documents attached ....
Product: Debt collection

I have made several attempts for Cavalry Portfolio Services LLC to remove incorrect debt posted to the credit reporting agencies. They have failed to acknowledge correspondence and continue to submit debt validity and not show proof that debt was paid directly to original creditor when I refinanced my home. XXXX lost/never cashed check. I tried to request that they waive penalty fees and they refused. XXXX XXXX XXXX sent a settlement letter which was again paid by escrow company. Check was cashed by XXXX XXXX and I shouldn't be punished for their error. 

This issue has been going on for two years and is causing me financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts they do not belong to me tney are not mine and I will not be responsible for this!!!! 

XXXX  XXXX - Accounts # XXXX XXXX {$1000.00} Opened XX/XX/XXXX XXXX XXXX XXXX  - Account # XXXX XXXX {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX  - Account # XXXX {$0.00} Opened XX/XX/XXXX INQUIRIES Creditor Name : XXXX XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Checking or savings account

On XX/XX/2020 I received a refund on my CITI Bank account from XXXX for XXXX, XXXX, XXXX, for 4 roundtrip tickets to XXXX for myself and my husband ( because of COVID-19 flights got cancelled ). On XX/XX/202 CITI Bank withdrew an amount of {$1000.00} from my account. I have called CITI Bank many times and spoke to different supervisors who promised to credit the amount of {$1000.00} to my account and as of yet CITI Bank have not credited the amount to my account. I am asking for the return of {$1000.00} from CITI Bank. I also spoke to XXXX finance department and they informed me that XXXX did not withdraw the amount from the CITI account as they said they had given me the refund and there is no reason to take the funds back. The last I spoke to CITI they advised me that the amount of XXXX was refunded to my account but an amount of XXXX was withdrawn which CITI bank has failed to honor.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a compaint to trans union on XX/XX/2023 Complaint # XXXX and instead of removing the accounts that were in correct they basically just changed the dates around and made my account worse and added dates of payments that make no sense when i was not even a customer with their company, they should have just removed the accounts like the law states because i have proved the accounts were inaccurate just remove it or go to court and i will sue for all the pain and XXXX this has caused because you guys dont want to foloow the law, i have the proof in black and white and the law is in black and white so why are you guys not upholding the law on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX US DEPT ED XXXX ... XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Currently have one fraudulent account and inquiries appearing on my credit report. 

Account : XXXX XXXX  {$1800.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Mortgage

I received my account statement for transaction activity period XX/XX/XXXX toXX/XX/XXXX. The ending account balance was XXXX. 
When I received my account statement for transaction activity period XX/XX/XXXX to XX/XX/XXXX, the beginning account balance was {$14000.00}. A increase of {$3400.00}. I did not do any account advances during this period. 
The company, when contacted can not explain why my balance increased.
Product: Checking or savings account

I used my card to make a purchase at XXXX XXXX on XXXX and the transaction went through. I forget something and went back to purchase another item and the transaction was declined. My wife used her card ( joint checking ) and was also declined. There was over {$1000.00} in excess funds in the account. I received a voicemail on the morning of XXXX saying my card was flagged for a fraud alert and placed on hold. I called, verified the transactions and was told that the hold was lifted. Went to lunch 5 hours later on XXXX and was once again declined. Call the bank and was told that there was still a hold on the card that should have been lifted based on my my earlier interaction with them. They can not tell me what triggered the fraud alert and am subjected to being humiliated in of strangers and co-workers when my card gets declined when " MY '' funds are unavailable to me. This is at least the XXXX or XXXX time that this has occurred to either my wife or myself.