23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX to remove fraud from my account and they transfer me over and over again and the fraud department tells me that my information is not good enough. They tell me that even though the dates are wrong on the lease and there are made up numbers on the alleged formal debt letter that I still have to pay the {$8500.00} the debt collection company has now tried to collect from me. I have tried to report the creditor and this company said because they don't answer there is nothing that can be done
Product: Credit card

I made a purchase to a merchant for an item totaling {$2400.00}. The item was supposed to be delivered and signed for by myself. I did not receive the package nor did I sign for it. I reached out to the merchant and was ignored and was not provided any help. I filed a claim with Chase and provided a magnitude of proof to support non-delivery of the item and was still denied the claim. I escalated the claim and tried to resolve by providing more Proof that shows someone else 's signature receiving the package. The package never made it to my home and was never signed for by myself. I provided Chase with this additional proof and was still denied. This was made on a Chase Business Account. There was no purchase protection provided nor did Chase accurately resolve the case. I am unable to file a claim with XXXX  because I am not the shipper. I am out o the funds and the item.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

At first I received a letter from XXXX funding about an alleged credit card debt with XXXX XXXX. I sent XXXX a debt validation letter and they never validated the debt. Then I get a letter from XXXX XXXX XXXX collecting on a debt for XXXX and also XXXX XXXX credit card. I sent XXXX XXXX XXXX a debt validation letter and all they sent me was an " home made '' account summary stating I owe XXXX XXXX and XXXX XXXX. I also sent a dispute letter to the credit bureau and they were of no assistance. How can a debt collection agency collect on behalf of another collection agency? I can't ALLEGEDLY OWE 3 COMPANIES : XXXX XXXX XXXX, XXXX XXXX and also XXXX XXXX for ONE debt!!!! I also sent the CEO of XXXX XXXX an email and have yet received a response. I want this removed from all of my credit reports. This is an illegal act!!!! No one has shown any proof that I have business contract set up with them to put this derogatory tradeline on my credit report!!!! This is ILLEGAL!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U. S.C. 1681 SECTION 602 ( A ) States I have right to privacy 15 U.S.C.1681 SECTION 604 ( A ) SECTION 2 : It also states a consumer reporting agency can not furnish a acount without my written instruction In accordance with the Fair Credit Reporting act XXXX Account name : XXXX XXXXXXXX Account # XXXX has violated my rights XXXX Account name : XXXX XXXX Account # XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you in advance
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX lied to me about the finance charge in my contract and are being reckless with my credit card/ driver license. By law XXXX XXXX XXXX says the finance charge is the sum of all charges, and it supposed to include insurance and I was not offered insurance. The finance charge also cant be paid by cash, they have and still are trying to take cash in a consumer credit transaction with a finance charge involved. When I asked why the debt is valid they sent a contract showing the finance charge. Also when I let them know about their violations they gave some unauthorized random person permission to see and send a picture of my license on the internet. That is a violation of my privacy. Because they know about there finance charge violations they are civilly liable for twice the finance charge pursuant XXXX5 usc 1640. And they are criminally liable purusant 15 usc 1611. I have sent them a affidavit of truth with the contract which is a supporting exhibit, and invoice with a legal notice. I want them to cease and desist all mediums of communication with me, unless they are talking about remedy.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

Below is a list of the accounts that were disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the blocking and deletion of fraudulent accounts and inquiries listed on my credit report. I am a victim of a data breach, and the accounts/inquiries listed below were opened or made without my authorization. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking of the following fraudulent accounts and inquiries : XXXX Accounts : XXXX. Bank XXXX XXXX ( Account ending in XXXX ) o Date Opened : XX/XX/XXXX o Balance : {$94.00} XXXX. XXXX XXXX ( Account Number XXXX ) o Date Opened : XX/XX/XXXX o Balance : {$1900.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX
Product: Debt collection

I keep getting a call every other day. I do n't owe no one from this number any money. No one says anything and then hangs up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2023 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2500.00}
Product: Student loan

In XXXX of XXXX, I contacted Aidvantage to see what I had to do to resume my payments. When it was XXXX, I had to temporarily halt my payments. I tried to resume, and Aidvantage ( over the phone ) told me to wait until XXXX. I called in XXXX and asked what the payment amount would be, and they said they were waiting for government information. In XXXX, I obtained a job at a {$6.00} per hour pay cut, and requested a look at my repayment plan based on my changed income. I applied twice on line - I kept getting texts that my payments would be nearly {$200.00} a month, which I can't afford at this time. I called in late XXXX and was told it would be {$99.00} a month. This week, I received a text that my payment of nearly {$200.00} was due XX/XX/XXXX. I again applied for an evaluation based on pay, with no response. I tried calling today ( XX/XX/XXXX ), and reached a message saying their office was temporarily closed and no date of reopening was available at this time. I also tried to schedule a callback on their website, and all of their dates and times are blacked out. The dept of Ed had no knowledge of this and could not tell me what I could do. I will be officially defaulted on XX/XX/XXXX. I do not feel comfortable sending a company money that I can not contact.
Product: Checking or savings account

I got this message from my credit monitoring service. 


A new account from BANK OF AMERICA has been added to your XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX, XXXX XXXX XXXX, Equifax and XXXX XXXX XXXX keeps Refusing to delete old obsolete Addresses I pulled a copy of my annual credit report and saw that there are 7 addresses that don't belong to me, some of which are close to which I have previously lived at, one is an address that I have never lived at. I believe this is identity thief. They are putting utilities in my name. 



Dear Representative, I pulled my credit report using XXXX XXXX XXXX ( XXXX XXXX XXXX ) from all three of the credit reporting agencies. When I received my report from XXXX  and Equifax I notified that they were not deleting my old addresses as I asked them to. They are continuing to report my old addresses in the file. I thought this was my file and the information in it was reported by my creditors and all of them have my current address on file, but XXXX  and Equifax is refusing to update it accordingly, but this type of miss-behavior is a recurring theme with them. It is clear that XXXX  and Equifax doesnt care about 100 % accuracy on my credit file. This is misleading my creditors and those third party that use the information in my consumer file. 

I am only asking that information on my credit report be 100 % honest and accurate which they have failed to fulfill. 

I look forward to your reply and assistance on this matter. 


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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX Reported balance {$18000.00} Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

transunion refuse to delete informaiton or block merchant that has account on report thats not accurate i also provide ftc and police report XXXXXXXX XXXX still reporting on my credit report i uploaded was ignore nothing has been done traunion fail to accurate remove information on my report also along with account and XXXX XXXXXXXX i dont owe these merchant anything.never sign no contract withthis companies
Product: Debt collection

Saw a collection debt on credit report from PORTFOLIO RECOVERY ASSOCIATES account number XXXX. For the amount of {$2000.00}. I am not liable for this debt since I never went into contract with this company.
Product: Money transfer, virtual currency, or money service

I have filed my tax return with XXXX XXXX for the years of XXXX, XXXX. This year they turned it over to Cash App Taxes, so I filed my XXXX return with Cash App Taxes on XX/XX/XXXX. They gave me the option to have my refund deposited with Cash App, with whom I have an account which I have used in the past. The terms of service for Cash App Taxes states that you must have an account with Cash App to file taxes with Cash App Taxes. The account number on my Federal and State Returns is : Routing XXXX Acct : XXXX ( the same number on my Cash App Acct. ) My Federal Refund was sent to that account with Cash App in the amount of {$740.00}. on XX/XX/XXXX and Cash App returned the amount back to the originator. That meant I had to wait another week to receive a paper check. Now my State Refund in the amount of {$2000.00}. was sent to that account on XX/XX/XXXX and again Cash App returned the amount back to the originator. I have talked to customer service over the phone and have communicated via email so many times, I have lost count. They just keep saying I have to submit a photo with my drivers license in the photo, front and back, which I have done twice. Still no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information showing below is falsely reporting on my credit. 

1 ) XXXX XXXX Acct XXXX XXXX -- - {$XXXX} 2  ) XXXX XXXX XXXX Amount {$XXXX} I   complained to the FTC. My FTC Complaint Report # XXXX
Product: Consumer Loan

Whenever I am 24 hours or more late on a payment the Conns, company, auto dialer repeatedly calls me ever couple hours with an average of 10 times per day or more. This is excessive and I consider these actions harassing. I understand an attempt to contact me once a day with a voice mail message if I do not answer should be sufficient. This company calls me twice in a row every two hours starting at XXXX. I have blocked the number calling me and they change it.
Product: Credit reporting, credit repair services, or other personal consumer reports

A balance is reporting on my XXXX  account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off. I have tried to resolve this issue directly with XXXX and they have failed to correct it.
Product: Money transfer, virtual currency, or money service

My phone got stolen in XXXX XX/XX/XXXX. Somehow they got into my phone, change passwords, email, used the saved passwords and logged into my bank account. Transfer money, used my credit cards, XXXX etc. All the other financial companies agreed that I was victim of fraud, even my other bank, blocked my account because they didnt recognize the location where it was processed. I sent to Bank of America police reports, cancellations of that trip, XXXX evidence of fraud, XXXX XXXX evidence of fraud, insurance company replacing my phone, XXXX customer service email with the XXXX recovery process etc and many more thing.
Product: Credit card

HAVE SEARS/CITI MASTERCARD. JUST SPENT AN HOUR + TRYING TO ACCESS CARD TO MAKE PAYMENT AFTER EMAIL OF AMOUNT DUE. ENTERED AND RE-ENTERED ALL INFO ASKED BUT ACCESS NOT ALLOWED AS ACOUNT NOT RECOGNIZED. THEN BY PHONE PAID ACCOUNT AND WAS ASSISTED IN TRYING TO ACCESS ACCOUNT. SPENT ANOTHER HOUR DOING THAT AND TOLD TO TRY AGAIN IN 2 HOURS OR SO. I LIKE SEARS BUT FIND IMPOSSIBLE TO USE INTERNET TO DO BUSINESS WITH SEARS VIA MC SEARS/CITI CREDIT CARD. AT AGE XXXX, TIME IS MOST PRECIOUS ASSET. THANKS FOR YOUR ASSISTANCE.
Product: Credit card

XX/XX/year>, balance was paid in full and account closure requested. Interest on purchases ( no purchases made ) and late fees for said interest charged to account. Many online and phone requests to stop all activity on this account made yet interest persists.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX XXXX Laws Dear JEFFERSON CAPITAL SYST, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that JEFFERSON CAPITAL SYST has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for JEFFERSON CAPITAL SYST to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that JEFFERSON CAPITAL SYST immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that JEFFERSON CAPITAL SYST will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Debt collection

I received a wage garnishment paperwork stating they were going to start garnish my paycheck. Issue is they have the wrong person. No one verified social security and date of birth, along with it shows a middle initial for a name but I don't have a middle name. This debt is not mine. I just ran my credit report and I have 0 negative remarks or any collection remarks. It is a collection agency that went to court but no one verified anything, including my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The status is incorrect for the following accounts : XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax, XXXX, and XXXX on XX/XX/XXXX. It's been well over 30 days and I have not received a response to remove the following credit inquiries from my credit report. 
According to 15 USC 1681i ( a ) ( 1 ) ( A ) Equifax, XXXX, and XXXX have 30 days to respond to my dispute. 

Please investigate and remove these inquiries from my credit report. 


XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Debt collection

We were contacted by ARS National Services Inc.. in regards to XXXX  secured credit card.

THIS IS A SECURED CREDIT CARED ... WE PAID A DEPOSIT. WE DO NOT OWE MONEY.
Product: Credit card or prepaid card

I've had my American Express platinum card for about 9 years now, and have always had about {$10000.00} in spending power and i called in sometime last year to increase this limit which i was approved for in the amount of {$20000.00}. In recent months I've needed to spend more for business expenses, between {$3000.00} to {$6000.00} and I received a email stating that im reaching my limit/over spending and i thought that was strange becuase i've never gotten that before and my limit should be {$20000.00}. I recently tried to make a charge for the amount of {$800.00}, and my current balance is at {$900.00}, and the charge was declined and when i called customer support to see why, they said my spending power is only {$2000.00}! And for some reason now there is no history of my approved request of {$20000.00}. Even if a decrease was made by them, i have gotten no notice what so ever about this and has become the most inconveniencing experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a mortgage in XXXX of XXXX with XXXX and my then husband, for XXXX, the the best of my recollection. In XXXX, we separated, and he remained in the house covered by the mortgage. In XXXX, I had a XXXX Chapter XXXX which included the mortgage. XXXX stopped reporting it to all three credit bureau. Upon very bad advice from a lawyer, I quit-claimed the deed to him without him refinancing the loan. He then modified the loan with XXXX XXXX XXXX, increasing the term to XXXX months from XXXX months, and the amount to over XXXX from the original terms. I NEVER signed for this increase. XXXX XXXX XXXX, in XXXX, FL, states that they can modifiy the terms of the loan without my signature, and they have started reporting it on my credit report as of XXXX XXXX. The loan is already delinquent ( as of XXXX XXXX, XXXX, due for XXXX XXXX ). XXXX XXXX told me NOT to complain to the credit bureau, I did and Equifax already removed it but the other XXXX have not. XXXX XXXX continues to report and I have been denied for XXXX car loans because of " Excessive Obligations '' because the payment on this loan is {$3600.00} and I have my mortgage of {$1900.00}. The company stubbornly refuses to remove it from my credit report, and I will not be able to get a car loan or any other for the next XXXX years as a result.
Product: Debt collection

I XXXX XXXX mailed a Validation letter to Phoenix Financial Service on XXXX XXXX Phoenix Financial Serv, didn't reply after 5 days of speaking with according to code USC 15 1692 G Phoenix Financial Serv, did not provide validation of debt as requested Phoenix Financial Serv did not cease in their action to collect on a debt that is not owed.