23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to express my concern regarding an erroneous collection account that recently appeared on my credit report. The account, which is for a XXXX account, was opened in XX/XX/year>. I have disputed this account on all three of my credit reports, and two of the three bureaus have removed it. However, XXXX has not yet removed the account, despite my repeated attempts to dispute it. 

I have filed XXXX disputes with XXXX, the first on XXXX, the second on XXXX, and the third on XXXX. In each dispute, I have asserted that I have no knowledge of this account and that it is not my debt. I have also requested a copy of my driver 's license to be sent to me as proof that I am not the owner of the account. 

To date, I have not received any response from XXXX regarding my disputes. I have also never received any paperwork in the mail from Jefferson Capital Systems, the collection agency that is reporting the account. 

I have never had a Jefferson Capital Systems account or a XXXX account. This account is not reflected on any of my bank statements or on any of my previous credit reports. 

I am requesting that XXXX immediately remove this erroneous account from my credit report. I am also requesting that XXXX provide me with a copy of my driver 's license as proof that I am not the owner of the account. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continuing to report many fraudulent inquires on my credit report that I didn't authorize.
Product: Credit reporting or other personal consumer reports

I bought a few cars. When I go to the dealership I tell them I already want to do business with a certain Bank, like XXXX XXXX or XXXX XXXX. I tell them not to run my credit through anyone else. but they do it anyway and send me to 7 or 8 banks to try and get a better deal without notifying me or without my permission. Per credit reporting bureaus I have to contact these banks to have them remove their inquiry. I've contacted these banks and they all say they don't have my information on file. So I was told I can get help here. Thank you, Below are the list of banks and companies that were not authorized to check my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit card

Someone $ XXXX from my Regions checking account in purchases I did not make. To start, it 's very hard to get in contact with anyone on the phone. I called Saturday night, XXXX XXXX once I checked my account. After several tries and automated messages, the Associate told me all she could do was " cancel my card, b/c the charges were still pending. '' I waited until TUESDAY to call again and try to file the claim, but that associate told me that " it would be 10 days before I receive papers. '' Therefore, I went into the branch, assuming that it would be a faster process. XXXX XXXX XXXX XXXX took my claim. After waiting 10 days, with the implication that I would receive back my stolen funds, I call Regions early in the morning on XXXX just to find out that my claim was DENIED on XXXX/XXXX/16 b/c my pin was used on ONE of the purchases. The first issue is that the claim was denied a DAY after I submitted the claim but I waited 10 days to find out. The second, is that there could not have been a true investigation done in less than 24 hours. Furthermore, I assume somewhere in the process of filing the claim, a wrong charge was selected ( b/c I did use my card a couple times before checking my account to see someone else was doing the same! ) I just found out today XXXX that the file was denied and they are just now telling me to file a police report, which has been done. There are several issues wrong with this fraud dispute and leaving all of my personal cash with Regions, aside from the fact that I 'm behind on bills that need to be paid, why is the banks ' policy to let the money be stolen before doing anything? If you see it pending and I 'm calling you to report fraud ... .WHY LET IT GO THROUGH? Also, the amount of loop holes I had to go through just to get the process completed. I had to make several phone calls and a trip to the branch, just b/c I was not informed of certain things each time I talked to someone. Then, the lack of caring and understand from the associates as I am going through this process. I do n't understand how a bank does not send a warning or no one called me to tell me that huge purchases were repeatedly being made on my account.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit card or prepaid card

Because of a fraud alert, my account was closed and a new card number was issued. One month latter a merchant made a refund to my closed account. The refund was never transferred to my new account by the credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple inaccuracies with experian that they have claimed are verified. Experian has failed to reply to my requests to obtain their method of verification on multiple occasions and instead started reinvestigations. When requesting how the inaccurate acounts were verified I was told experian will not divulge the names of their vendors as this is proprietary information. After multiple disputes to resolve the issues experian sent notice they will no longer dispute my accounts without any new documentations. Experian " verified '' accounts in a dispute filed on XX/XX/XXXX and again with new documents submitted on XX/XX/XXXX. Included in these disputes was a collection account that I had no recollection of and was not able to be verified and has since been deleted along with an account labeled, XXXX XXXX that was previously deleted and then resubmitted without any notification. I filed a complaint with the XXXX  onXX/XX/XXXX and a 2nd notice was sent by the XXXX on XX/XX/XXXX and Experian responded that the data furnishers were contacted and verified the accounts. Experian relayed that I must contact the original credit furnisher to further dispute anything. I have contacted the city court associated with the public record as well as the creditors who agree it can not be verified and should be deleted. I called the telephone number ( XXXX ) XXXX   attached to the chapterXXXX  I'm disputing to verify or dispute as suggested numerous times with no answer. It appears to be a cell phone. Experian says in the XXXX  response the court may not report the data but a vendor collector gets records on their behalf. They will not provide the names of their data collectors. On experian 's website for public records they claim their source is the administrative office of the courts and more than 1,200 state and county sources. I'm at a loss of my next action as experian now refuses to reinvestigate. Without this information which is required under FCRA 611 ( a ) ( 6 ) ( iii ) and FCRA BILL ( a ) ( 7 ) which requires they respond with a valid method in 15 days from request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/1983 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting, including incorrect amounts and dates.
Product: Debt collection

I have spoken with my local gym ( XXXX XXXX XXXXXXXX, TN ), they have told me there is no record on file for a debt owed, a " law office '' from XXXX, UT ( XXXX ) is calling me saying they have a file from the gym. They have stated they have sent me a record for collections, but I have not received anything. The local gym has also stated they do not use an outside credit agency.
Product: Mortgage

I apply for a mortgage loan thru a broker with XXXX XXXX which is working with Carrington Mortgage. I applied for 10 % down payment which they approve and been working on for the past 60 days, However I was told and received a new disclosure after signing and submitting the closing disclosure which ( 3 ) had been signed already. First the broker contacted me and stated the lender is changing terms on your contract theyre not able to do your loan at the rate approved. So I asked are there documents needed or not accepted. He stated no. I stated are there breaching their own contract? He said yes. I ask him to have the new contract sent as evidence of contract breached for the prior one that was signed the day before. The first contract is 10 % down all requirements have been met all documents that were requested also has been submitted. The new contract states 15 % down payment which Im under contract for a property and close tomorrow XX/XX/2023 and a new contract was issued 48 hours before with an increase to 15 %. And Ive contacted other lenders to see if this was something common or feasible in this market and its not a common practice I should say. So I Emailed XXXX XXXX XXXXRelationship Manager Mortgage Lending Division of Carrington Mortgage . Why is the contract being breached this is in violation of consumer to lender and shows predatory lending. He stated Discuss with your broker he replied in email. However the broker contacted me and informed me that the lender is not communicating with him. He also forwarded emails of no detail or response in regards to my file, but the breach of contract which he stated has never been done in his years of working as a broker someone should be notified outside of him. Along with these circumstances I have emails from broker and lender. Broker is willing to provide written documentation concerning matter and is a witness alongside of myself and the realtor. Carrington mortgage has violated me as a consumer who is under contract for a property by failure to perform there services due to predatory lending. There was not a specified issue or problem for contract breached so I was alarmed Ive been a victim of abusive practices. To my knowledge of the law lenders are required to say why youre not approve, changes in terms etc. However Im a just another victim I can assure from this lender thats just speaking up. This was herocious experience. I have documentation of contracts emails and more if needed for more evidence as this matter definitely needs legal attention. 

Carrington Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX CT XXXX Direct : ( XXXX ) XXXX |Fax : XXXX www.CarringtonWholesale.com XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I got a notification from my XXXX  protection with Experian that an inquiry for credit with XXXX card had been made. I never applied for credit with XXXX. I immediately called XXXX, which cancelled the application. They sent me a letter stating they will request the credit agencies to remove the inquiry. After several more calls to the credit agency and XXXX the inquiry has not been removed. XXXX and the credit agency is blaming the other for it still not being removed. XXXX and Experian are the only XXXX showing the inquiry. XXXX state they do not accept inquiry disputes from consumers. They refuse to accept the letter XXXX XXXX sent to me. As of today, XX/XX/219 I'm continuing to have an issue with this, I'm ready to buy a car but the inquiry is causing me to be XXXX point from getting a top tier interest rate.
Product: Prepaid card

XX/XX/2016, I notice a unauthorized foreign transaction was pending on my PayPal prepaid card, I immediately alerted PayPal prepaid and they did nothing about it. I researched the charge and learned that the charge has been reported by a lot of people as suspicious and fraud. Then PayPal prepaid took it upon themselves to cancel that card without my consent, without giving me a chance to pull the rest of the money I had in the account out, and they left me with no way at all to access the funds, they did this to me At the worst possible time which was XX/XX/XXXX, they left me broke and and I did n't get to celebrate or enjoy the holidays at all. They cause me so much hardship and had me waste so much time and energy everyday for the next 3 weeks calling them trying to access my funds. They would have me On hold for hours, reconnect me to another person several times and they would just hang up on me. They also caused my XXXX account to closed down because they would not approve the wire transfer I had scheduled, even though I had enough money for the transfer, causing me to go negative {$220.00}, and because of another transfer they did n't approve I was unable to pay off a loan from lendup and now I owe even more money. I first talked to them XX/XX/XXXX, they told me I would be updated about the situation XX/XX/XXXX, when XX/XX/XXXX came they told me I 'd have to wait till XX/XX/XXXX now. It 's starting to feel like they were the one that did the fraud charge, they have not been cooperative at all and they have n't helped me at all, Instead they caused me Even more stress and so much hardship ...
Product: Debt collection

In  XXXX    XXXX  , the medical lab,  XXXX , performed wrong blood tests, not what was ordered by my doctor. They acknowledged the error and I was told there would be no charge to me. Shortly thereafter I began receiving bills from  XXXX  which I forwarded to my doctor 's office. They called  XXXX  who assured them the matter was taken care of but I continued to receive bills from  XXXX , and now from debt collection companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved into a rental property - XXXX XXXX XXXX XXXX in XXXX, XXXX that was managed by XXXX XXXX XXXX XXXX, in XX/XX/XXXX. I left the property XX/XX/XXXX, which at that time it was managed by XXXX XXXX XXXX. I moved back to XXXX. Before I moved away from the property I tried to settle any outstanding financial obligations that I may have owed. At the time, the property refused to deal with me directly and said that I would get a letter in the mail. I left the state of XXXX  in XX/XX/XXXX as my job was being transferred back to XXXX. I did break the lease early. I did receive a few calls from a collection agency demanding payment in XXXX. Last year, XXXX I worked with a HUD approved agency and we were able to rectify the situation and close out the account. I have attached a copy of the two letters that I received from XXXX XXXX regarding this matter. There is nothing showing on my credit report. Fast forward to today XXXX. I am in the process of applying for a apartment and I was told that I have an inquiry on RealPage/Leasing Desk? I have never heard of this place and I am not sure why my name is even coming up in this particular system. The information that is showing is not correct nor accurate. I called around on XX/XX/XXXX trying to locate the source of who put this information in my file. I was told that the property XXXX XXXX XXXX is now being managed by XXXX XXXX XXXX - they could not assist me. I called around and spoke to someone at XXXX, XXXX, XXXX, XXXX XXXX and Real Page/Leasing Desk and no one is able to confirm why this is information is there. 
At this time this inaccurate information is preventing me from acquiring a safe and decent space for me and my children to live.
Product: Debt collection

Regional Finance Corp. has continued to call me despite acknowledging my request to stop all phone communication. I previously informed Regional Finance that I did not wish to receive phone calls from them. They acknowledged my request in their response to a prior complaint. Despite confirming they received my request ; they have continued to call me. I received a call on XX/XX/year> and another on XX/XX/year>. Their actions contradict their acknowledgment of my request.
Product: Debt collection

I have an collections from Online Collection Services appear on my report XX/XX/2021 stating that I had an utility bill of {$1700.00} out of no where. I have never had an utility bills other than a cell phone bill no cable gas or electric bills. This is a fraudulent account that does not belong to me being reported on my credit report
Product: Credit reporting or other personal consumer reports

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX XXXX XXXX XXXX XXXX : {$6500.00} ; XXXX XXXX  XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2023 ; XXXX  XX/XX/2023.