23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Fraudulent account opened in my name and can not contact Chime to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested a credit card product change from Citi for coverting Citi XXXX XXXX XXXX credit card to XXXX XXXX XXXX credit card. The card was converted but credit report was hard pulled without consent. No warning was given that a hard credit inquiry will be done for changing credit card products even though credit line remained the same.
Product: Credit card

I got a collection letter from BJs for a credit card ending in XXXX, I didnt apply for this credit card, never used it or received it.Yet again I got billed on interest on this credit card.Also I got a report that my XXXX went down for non payment.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against JEFFERSON CAPITAL SYSTEM for committing identity theft. I have never given JEFFERSON CAPITAL SYSTEM any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until JEFFERSON CAPITAL SYSTEM can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and JEFFERSON CAPITAL SYSTEM continues its collection efforts, I will file for litigation for actual damages caused and JEFFERSON CAPITAL SYSTEM will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX
Product: Debt collection

Citi Bank never responded to my dispute from several letters mailout back in XX/XX/XXXX and XX/XX/XXXX and place the account in collections and I disputed it then and never got no response from Citi Bank all ways the run around some one going to call back. I call Citi Bank over 45 times and got no response from them what so ever. I updated my mailing address at the post office with no response from Citi Bank and the post office can verfify change of address.I have/ had a right to dispute XXXX XXXX XXXX and I'm in the process of hiring an attorney regarding the situation by Citi bank
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( 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. 15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of 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. ''
Product: Debt collection

This is a recurring incident that occurred in 2013. XXXX XXXX credit card ( XXXX XXXX ) did not refund the charges made by XXXX XXXX from XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX. {$2500.00} were charged to my XXXX XXXX Credit Card ; however, XXXX XXXX never performed any service for the toothes he charged. XXXX XXXX, only work on a different XXXX and charged my XXXX insurance XXXX XXXX ( XXXX insurance ). I have this XXXX and health insurance thanks to my Domestic Partner XXXX XXXX who works in XXXX XXXX XXXX. After abusing behavior that included violent word, XXXX failed to refund the {$2500.00} made on my XXXX XXXX Credit Card. I am still disputing the charges since 2013. Every time, I explained the situation to the collection company, XXXX XXXX hire and changes Collection Company to insist in charging the XXXX dollars. I find very unjustifiable and unfair to pay for this charges that was wrongfully charged, but if needed to clear out my credit, I would pay those unfair charges to clear out this problem. Now, i had received another collection letter, and constant telephone calls trying to collect the charges. XXXX XXXX hire different collections companies, and when I explained, write a dispute letter, XXXX XXXX hire another Collection Company to start over the process and harassing with calls and voice messages. In my file to Credit Financial Bureau, you can see many letter written by me to complaint about this situation that has n't been addressed since 2013. XXXX XXXX has written letters with many mislead information which are very far from what actually happened. I am in a XXXX whom can confirm my statement XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX Phone : ( XXXX ) XXXX. XXXX XXXX XXXX have performed XXXX, and he can state that XXXX XXXX never did or performed anything in the area he charged without doing any service nor replacing any XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CREDIIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.
Product: Debt collection

XXXX Credit Card is calling me because my boyfriend is late on his payment. I do not even have a XXXX credit card and have no idea how they got my number but they call me every hour. I have told them that it is not my account but they continue to call. The file that I have attached is an example of every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been reporting a negative account on my report for the last 3 years I have suspected and they will not remove the account is incorrect has no date no amount and showing negative for three years I have reported over and over and they have done nothing to help
Product: Checking or savings account

They never refunded me all the money they kept XXXX dollars my cousin has call bmo in regards to his check and they refu to send him back his check and they haven't made no attempt to return it to the bank or nothing what's going to happen with his tax money and u guys want to close the case
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several requests to obtain debt repayment contracts from McKenzie Paul & Associates. They have not provided me with a SIGNED and dated contract between myself and McKenzie Paul & Associates. I have sent correspondence to this establishment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have since sent a response stating they can not substantiate the allegations of my dispute and to provide name, address, phone number, etc., for validation. This is a ruse to hold this account illegally to my credit profile. This company has all of my information because it is posted on my credit report. They still have not provided me with the documents I've requested.
Product: Mortgage

We have tried to have the bank process a modification application for us, for over a year now! We have sent several applications, the last pa jags was sent off in XX/XX/2020. Since we sent off the modification application, we have not heard from the back, neither by letter nor phone calls. We have been calling at least Ive every week in the past month, and everytime we call, the automated system asked us to hold and that we will be answered in less than one minute. However the wait had been from 1-2 hrs and each time we have to hang up because no one answers the phone. So we do not know what is going on, nor the status of the modification application.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX reached out to XXXX XXXX AND XXXX via phone and online DISPUTES regarding accounts with NELNET that are stilled listed as OPEN on my credit reports. Contacted NELNET XXXX for DISPUTE regarding accounts also. Reached out to XXXX XXXX XXXX regarding account in the account of {$250.00} that was PAID. All of my loans with NELNET have been CLOSED and PAID.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense XXXX and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was denied credit and received a copy of XXXX  credit report. It showed an open balance with XXXX, XXXX of {$440.00}. I know I paid this account off. I called XXXX and that said my account was transferred to Afni, Inc.

I called Afni, Inc. They told me my account was paid in full and they will send me a receipt. I put in a dispute with XXXX while I waited for the receipt from Afni, Inc. 
On XX/XX/XXXX, XXXX  said they finished their investigation and XXXX said the information on my credit report was correct and I stilled owed {$440.00}. The disputed item remains on my credit report with out any changes. 
I submitted a second dispute with XXXX  and provided a copy of the receipt from Afin , Inc. showing that my account with XXXX  was paid in full by their authorized collection company. 
On XX/XX/XXXX XXXX  sent me my dispute results stating XXXX XXXX said information on my credit report is still correct. I owe them {$440.00}. the item will remain the same. Yet I have a receipt firm Afin, I spoke to an XXXX  Rep and they all told me I do not have an open account with them nor do I owe them any money. My account is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX  XXXX XXXX Balance : {$440.00} XXXX  XXXX Balance : {$550.00} XXXX/XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the incorrect reporting of a collection account on my credit report related to the Apple Card/GS Bank USA , which begins with XXXX. Despite my recent dispute with XXXX, I received an email from them within two hours stating that the account will remain on my credit report, indicating that no changes will be made. I believe this action violates both the Fair Credit Reporting Act ( FCRA ) and other applicable regulations under U.S. law, and and I am seeking your assistance in rectifying this issue. 

Key Issues : Charge-Off Status : The account was charged off as of XX/XX/year>. However, I was not provided with a Form 1099-C or any other official documentation confirming this charge-off. As per 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ), I believe I am entitled to receive proper notification of the charge-off, and failure to do so constitutes a violation of my rights. 
Inaccurate Reporting : Under 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ), I am entitled to a complete and accurate report of all information maintained by the credit reporting agencies. The fact that XXXX has refused to correct the error, despite my request, suggests that they are not fulfilling their obligations to report accurate information. 
Request for CFPB Action : I respectfully request that the CFPB investigate this matter and require the reporting agencies ( XXXX, XXXX, and XXXX ) to rectify this issue by removing or updating the inaccurate collection from my credit report. The failure of these agencies to provide accurate information, and their refusal to correct the error after my dispute, is in direct violation of the law. 

Furthermore, I ask that you investigate whether I have been denied my legal right to receive a Form 1099-C as required under applicable tax laws for the charge-off of this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this 12th CFPB Complaint to you today to request once more to remove the disputed accounts that resulted due to identity theft. Despite my multiple attempts to correct my Credit Report, you have been persistent in ignoring my requests. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and information. Someone has stolen my identity and opened these accounts without my knowledge. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in my previous complaints as well as in this Complaint. Please remove the items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of accounts that you should have removed : XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance:XXXX. You have also been failing to send me copies of proof of verification from your supposed investigation and yet I received nothing. I doubt if you ever really conducted any investigation at all. Under the Fair Credit Reporting Act section 605b, I need you to remove the disputed fraud information from my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of Ed/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. Dept Of Ed/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. Dept Of Ed/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXXf XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

My owing {$200.00} to Pinnacle Credit Services showed up on my credit. IT WAS N'T MY BILL. Pinnacle told me that getting it removed would be shorter if I paid it. After I paid the bill they refused to remove it from my credit report. SO now I 'm out {$200.00} and still have a negative on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my car loan early with a cashier 's check from XXXX that was deposited by CarMax to their XXXX XXXX account. CarMax is unwilling to credit my account or resolve this issue. Now they are negatively reporting to credit agencies. I've provided XXXX with the deposited cashier 's check ; however, they are unwilling to remove the negative remark on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I have identified several inaccuracies in the collection account reported by [ Name of Collection Agency ]. The inaccuracies include incorrect dates, amounts, and other details that are not reflective of my actual financial history. These inaccuracies have had severe repercussions on my credit score and have prevented me from obtaining financing and pursuing my entrepreneurial aspirations.

Furthermore, the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., requires that information reported by credit agencies, including collection accounts, be accurate and verifiable. The inaccurate collection account has violated my rights under FCRA, causing significant harm to my creditworthiness and financial prospects.
Product: Credit reporting

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Debt collection

I leased a vehicle in XXXX from XXXX on a XXXX year lease ( never been late on any of my payments ). I had to return the vehicle i believe at the end of XX/XX/XXXX. I ended up purchasing the vehicle in XXXX of XXXX. After i purchased the vehicle and had another loan with another company which is XXXX, several months later XXXX started sending me letters stating i owed approximately XXXX for taxes that they paid for local taxes after the transaction was completed after the transfer was complete. They were spoken to on the phone and they were told that i don't owe that money, that there problem is with the town not me. my transaction was complete. XXXX ended up writing off the XXXX. After they wrote off the debt, XXXX reopened my account on my credit and starting wacking my credit report and is still wacking it with all negative ruining my credit and i had a XXXX XXXX.!! They are also harrasing me almost every day. XXXX times, they called my husband which had nothing to do with the transaction, spoke to him in detail about my issue. He told them specifically not to contact him and they still did. Im sure they have this on recording and he will testify as to such.! My husband is not even on my checking account that writes the checks.! I have also told them i do not owe this debt. I have now had to block their number and they try to call with all kind of crazy numbers trying to get through.
Product: Debt collection

XXXX of American Express has threatened legal action if I do not pay my entire balance on my card ; meantime I have been making monthly payments and AmEx continues to process those payments and when I call AmEx there is no indication that this is an attempt to collect a debt or any such indication that my account might be in arrears. I DID speak with XXXX about 8 weeks ago and he was trying to get me to pay off my entire balance ( over {$4000.00} ) immediately or next steps would be taken - this is when the threat of court came into the conversation. Since then he has been calling me at least XXXX daily at work and on my cell ( so at least 4x daily total ). I have been trying for about 6 weeks to get back in touch with XXXX, to return his constant calls, outside of my working hours, and he is never available. I have left many messages for him. He continues to leave me voicemails, calling during work hours, stating " time is of the essence '' on my account. Today I left XXXX a voice mail asking that my work number be flagged as do not call and that he can not continue to call my work and that I am only available in the evenings ( I have left messages like this before ). Tonight I have not only made another payment to AmEx but tried to get through to any representative at AmEx only to get a " mailbox full '' message at AmEx. Finally, the phone number that XXXX leaves for me does not indicate that he is even an AmEx representative as no mention of AmEx is ever made, nor is there ever a statement that this is an attempt to collect a debt. I am thinking that this could be fraud but am very unsure and could use some assistance. XXXX 's number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX