23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A debt collection appeared on my credit report for {$810.00} owed to Jefferson Capital Systems ( JCS ) with the original creditor listed as XXXX XXXX, opened on XX/XX/XXXX. I sent XXXX a debt verification letter dated XX/XX/XXXX, asking for several specific pieces of documentation which proved their claim of a debt owed. XXXX responded with a letter dated XX/XX/XXXX, which included a single-page document and claimed it to be " verification of the account ''. The document provided is what appears to be an overview of an account with XXXX XXXX ' one-month billing period XX/XX/XXXX, to XX/XX/XXXX,. This document shows only a total amount owed on the account and lacks specific information that, in my opinion, is necessary to prove any owed debt on my behalf. It's also unclear who owns the rights to this debt as the bill is directly from XXXX XXXX and can, to this day, be accessed and paid off directly through XXXX XXXX via their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in a chXXXX bankruptcy filing status which bridgecrest is aware of and they have continued to report payments as late after my bankruptcy filing.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a violation of 15 U.S. code 1681i ( 5 ) Removal of inaccurate/invalidated credit information. Please remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX  Date open XX/XX/XXXX Status paid/closed Amount XXXX Reported by data furnisher XXXX XXXX XXXX Amount XXXX Days open XX/XX/XXXX Status closed Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit card or prepaid card

On XX/XX/2022 I took my car to XXXX XXXX for an oil change. I have been going there for many years. Standard oil change is {$29.00}, this is what I asked for. When the pil change was finished I was billed {$91.00}. I was told my car requires a synthetic oil. That is false my XXXX yr. old car does not require synthetic oil. I specifically asked for the standard oil change. I had to pay the {$91.00} otherwise they would not permit the car to leave the property. 

I filed a dispute with Capital One, providing all of the documentation that they requested. 
My dispute was denied.
Product: Debt collection

They are sending and leaving harassing messages regarding a debt that isn't mine even after a cease and desist was given. They impersonate a lawyer and say they will show up at my place of work and home with legal documents. 
They call my work phone and leave generic harassing messages on the voicemail.
Product: Debt collection

I have sent emails trying to get information about this. When I called and actually spoken to a rep named XXXX, he tried to trick me in to giving him my card information for a payment of a XXXX to process the request of me inquiring about the debt. As of XX/XX/ and XXXX I have sent emails and waiting for a response
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to correct inaccurate information regarding late payment reported on my credit report for account XXXX. 
Despite several requests for correction ( letters dated XX/XX/year>, XX/XX/year> ) and ( XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
1. FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 

2. TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 

3. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX said too any delqieuncy on credit but I did that credit check and there no delinquency. Not only that they block my card so I be forced to call so people hacked me more losing XXXX dollars. I don't have have any delquencey they made .e go to someone else to ask for a loan which put a hard inquiry on it. I want all the knquirys o have with yall in the last 8 months removed. 
Basically when I walked in another person who hacked my account drove tot he front desk and told them not to let me have anything and they said they applied for .u personally loan at bank but o check it there no inquires so I did it again. The day after they said delinquency I checked my credit report another 3 months after that are no missing payment. Then they lied trying to obtain more information about me so these XXXX XXXX XXXX get my identity info and pass it to there XXXX  and friends.
Product: Credit reporting or other personal consumer reports

This the original screen shot down below it full of inaccuracies u have updated the inaccuracies but left the late payment the inaccuracies makes the late payment invalid in the first place law 1681s-2. 1681eb. 1681i5. 1681i7. You are not allowed to report late payments with inaccurate information I have clear proof wirh my screen shot please delete this account or reinstate it and reverse the late payment to paid as agreed please this inaccurate info is causing suicidal thoughts account name XXXX account number XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX Form Additional Pertinent Information To : Navy Federal Credit Union XXXX Dispute Department ) Reason for Chargeback Request Fraud Scammer impersonated the founder of XXXX  XXXX XXXX to deceive me Misrepresentation False claims of affiliation with XXXX  XXXX XXXX  to gain trust Services Not Provided No access to the services promised Description of the Fraud I was the victim of a scam in which an individual impersonated both XXXX  XXXX XXXX  and its founder to fraudulently convince me to send cryptocurrency as payment for service. 
The scammer falsely claimed to be the founder of XXXX  XXXX XXXX  and used that authority to establish trust. 
I was led to believe that I was being provided expert signals service directly from the person who created the platform. 
After sending the payment, I never received access to money I deposited or funds that he claimed were being made on the account. They kept telling and pressuring me to deposit more money, up to XXXX XXXX XXXX dollars at XXXX point. I told them I want to withdraw the profits that I appeared to have been making and re-deposit it into my account to increase leverage. The scammer told me that's not how that works and that I need to work on adding more money into my account then stopped communicating, once the founder addressed the community because I told him the situation I am in. 
This is a case of fraud, identity theft, and unauthorized use of XXXX  XXXX XXXX  's name and founder 's identity to deceive customers. 



Since the payment originated from my XXXX XXXX account, I am requesting a chargeback and refund because : I was deceived into authorizing this transaction under false pretenses. 
The scammer had no legitimate affiliation with XXXX  XXXX XXXX  or its founder. 
I received nothing in return for my payment, they lied under the pretense of providing me expert signals and providing me with screenshots of what appeared to be profits made and that I needed to work on depositing more money into my account. 
When I told them I wanted to withdraw the profits I made they claimed that is not how this works and I need to worry about adding more funds into my account, then stopped communicating with me afterwards. 
I have attached clear documentation of the scam in the dispute portal as well as links to evidence in this document, including transaction records, chat messages proving impersonation, and official fraud reports. 

Information of person being Impersonated XXXX XXXX  XXXX  of XXXX  XXXX XXXX, which I am a member of and he is the founder of. 
Link to XXXX  XXXX  XXXX : XXXX : XXXX XXXX XXXX : XXXX Discord username : XXXX  Impersonator used a very similar username to communicate with me on the platform that services are provided on, which is XXXX, screenshots have been attached to dispute. 

Impersonator went by : XXXX  instead of XXXX, XXXX instead of z I have attached all documents of evidence into the dispute portal as well as provided the evidence here as well in this link. 

https : XXXX? XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I will keep on REWRITING to complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to XXXX, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fair and accurate credit reporting is essential to the financial system, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). The effectiveness of the banking system is directly hampered by inaccurate credit reports, and unjust credit reporting practices erode public trust, which is necessary for the banking system to continue operating.

Therefore, the effectiveness of the banking system is hampered anytime there is a breach of the FCRA. Since I was never late, this is against TILA US Code 1666B. 

I discovered an inaccurate late payment record on my XXXXXXXX XXXX account [ XXXX ] when I just looked over my consumer report. I have consistently made my account payments on schedule.
Product: Debt collection

I have inquiry alerts through my bank. On XXXX XXXX, XXXX, i received a inquiry alert fromt Banner Finance, DBA Commerce Finance XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Texas had done a hard inquiry. I had a Signiture loan back in XXXX, that was paid. I contact Corporate XXXX Banner Finance and spoke to Secretary XXXX. I ask why was a inquiry done on my behalf, if i had not applied for a line of credit now. She responded that they have the right to collect old debt. So again second inquiry done on XXXX XXXX, XXXX. I believe this Company is unlawfully using my SS # for wrong business. They have never contacted me by phone or by mail. I believe its fraudulent on what is being done. I am requesting for those inquiries to be removed from my credit reporting. Your immediate attention is needed., Thanks Concern Consumer
Product: Credit reporting or other personal consumer reports

I met a person about doing my taxes and gave her my information, after a week I never heard from her again. I looked at my credit a started seeing activity that I wasnt doing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX a victim of my personal information being breach with these credit bureaus. Theres inaccurate information in my credit report and need this information to be removed.
Product: Debt collection

XXXX is claiming I owe a debt for utilities back in XXXX at an address I moved out of in XX/XX/XXXX the services and the bill after that point belong to the landlord or the tenant not me. I will not being paying them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus are ignoring my requests and are taking too long to resolve this matter. I sent Equifax two ( 2 ) Certified Letters, in which they receive on XX/XX/2022, requesting their Method of Verification on a previous investigation. Under Section 611 of the FCRA, I requested a Proper Reinvestigation of the Disputed Items, Under Section 609, I requested copies of all documents and correspondence ( including all names and contact information of all employees that the Equifax Agent spoke to as part of this investigation ), that was used to verify these inaccurate accounts as being accurate, and Under Section 610, I provided all the proper Identification that is required in order to get all information Under Section 609. The disputed items are listed in the CFPB Complaint ID XXXX that was filed on XX/XX/2022. 

I expected a response within 15 days of receipt of these Certified Letters, it has now been over 139 days and these inaccurate accounts are still on my credit report. If you ( Equifax ) had investigated properly, rather than use your e-Oscar system, you would have known that these items should have been removed in my initial investigation. I requested that Equifax provide this information or DELETE the inaccurate accounts from my file. Equifax has not responded or complied with my requests and they are in Direct Violation of Sections 611 and 609 of the CFRA, they are in Violation of 15 USC 1681 s-2, Responsibilities as a Furnisher of Information, and they are in violation of my rights as a Consumer. I Demand that you ( Equifax ) immediately DELETE the Inaccurate Items that I submitted for Reinvestigation, CFPB Complaint ID XXXX. 

If these disputed items remain on my Credit File, or if you continue to ignore my requests, I will contact my Consumer Law Attorney and file a Civil Law Suit against your Company for Violation of my Consumer Rights, the Violations that have been committed under Sections 611 and 609 of the FCRA, as well as, the Violations under 15 USC 1681 s-2, Responsibilities as a Furnisher of Information Willfully and Recklessly reporting false, inaccurate information after being notified of the reporting error and failing to investigate or correct the error. I will be seeking {$1000.00} per violation, per occurrence. You have ten ( 10 ) days to comply.