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

XXXX posted a 60 days late XX/XX/2012 on my credit report. I have spoke with a representative by the name of XXXX XXXX and she stated to me that she will put in a request to have it removed due to an account error on their end. I told her that I don't have any knowledge of late payments and that I had automatic debt payment setup on my account. I informed her that there may be a processing error on my personal banking account or there transactional side. I can not remember the reason, but she said that she would correct it and send it to the credit bureau to have the 60 days deleted immediately. Please have them remove the late payments immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I checked my credit report and noticed a charge - off from XXXX XXXX account number XXXX that was charged - off in XX/XX/XXXX that is continuing to show a charge - off status every month since, and I never received a 1099 - C from this account. According to the Fair Credit Reporting Act 15 U.S.C. 1681- e [ b ] - Maximum Possible Accuracy, and 15 U.S.C . - 1681- g. With this account being charged- off and reporting every month since XX/XX/XXXX is an error, because a charge- off should be reported as income on my 1099-c not debt on my credit report.
Product: Checking or savings account

On XX/XX/2022 I deposited a Cashier 's Check for {$10000.00} drawn on XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX, NM, XXXX into a Bank of America checking account at XXXXXXXX XXXX XXXX. XXXX, XXXX, NM, XXXX. The deposit slip was dated XX/XX/2022 which was the next business day. On XX/XX/2022 I received an email that a hold was placed on check until XX/XX/2022. I called Bank of America on XX/XX/2022 to say it was a Cashier 's Check but was told nothing could be done to make the funds available any sooner. When I decided to file this complaint I called XXXX XXXX on XX/XX/2022 to see if check had cleared. It cleared on XX/XX/2022. XXXX XXXX gave me a reference # XXXX so this information can be verified. I believe Bank of America has a systemic problem of when deposits made in checking accounts are available. The check was paid on XX/XX/2022 by XXXX XXXX but I don't have access to funds until XX/XX/2022. The Federal Reserve says that Cashier 's Check funds deposited in a checking account should be available for withdrawal in two business days.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section XXXX ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, XXXX, and Transunion data breach, which adds to my worries about the safety of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all XXXX credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : 1. Identity Theft CBNA/BBY Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX  XXXX Account Number  : XXXX This is not mine. 

3. Identity Theft CITICARDS CBNA Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act ( XXXX Account Number XXXX ), has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not know where this debt came from. I dont owe XXXX anything.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I requested an investigation for the account listed below. The reason for the investigation was to advise you of account that is showing Inaccurate, Unverifiable and, Incomplete on my credit report you are reporting XXXX. As of now, I have not received a reply from you or any acknowledgment that an investigation has begun. However, I did manage to pull my credit report and found that the account listed above, has not been investigated. I am requesting for you to delete this account immediately from my credit file. Since this is my fourth request. I also understand, under Federal Law, you are required to complete and notify me of your investigation results within 30 days, which I have given an additional 15 days due to XXXX, which you have failed to provide me. Again, please DELETE this account from my credit file, permanently. XXXX and XXXX have already removed this account from my report. Ive already submitted the report from identitytheft.gov to you.
Product: Debt collection

Dear CFPB, I'm writing to dispute the unlawful collection practices of Jefferson Capital Systems LLC and request an investigation into their violations of federal law.

Violations : 1. 12 CFR 1006.34 ( b ) ( 5 ) : Jefferson Capital Systems LLC has not provided validation information but has placed a collection on my consumer report.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I haven't been given the opportunity to dispute the account.

3. 15 USC 1681s-2 ( 7 ) ( A ) : Jefferson Capital Systems LLC has furnished information to consumer reporting agencies without providing required disclosures.

4. 12 CFR 1006.34 ( d ) : Jefferson Capital Systems LLC has used false, misleading, and deceptive means to collect the debt.

Revocation of Communication Rights : Pursuant to 15 USC 1692c ( c ), I revoke all rights of Jefferson Capital Systems LLC to communicate with me through : - Phone calls- Text messages- Email Request for Purchase Agreement : I request a copy of the purchase agreement between Jefferson Capital Systems LLC and the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is two hard inquiries shown in my Cridit report on on XX/XX/XXXX, and XX/XX/XXXX From the two companies I didnt try to do anything with them I dont know anything about them am call them to ask about that and there is no answer.
Product: Credit reporting or other personal consumer reports

Although bankruptcies are public record as per 15 U.S CODE 1681 ( a ) ( 2 ) ( b ) my written instructions are required for this information to be published and I have not provided any written instructions consenting to this. I also previously requested to know how this bankruptcy was even verified and the response was they received my full social security number from the nationwide consumer reporting agencies. I would like to know who provided authorization to share my full confidential social security number. According to Bankruptcy rule XXXX social security numbers are partially redacted, addresses are partially redacted. I still have not received all of the documentation to how this was verified. Process and procedures of verification have been requested multiple times. 15 U.S. Code 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the collection account from XXXX XXXXXXXX XXXX but on XX/XX/2022 the agency replied account verified without removing the account. Base on literature I read this account should not be reporting on my credit file because it creates, ( 1 ) an adverse situation regarding my credit profile and to me trying to obtain new credit, ( 2 ) credit bureaus are not to put anything on your credit report without written instruction, and ( 4 ) collection accounts are not to be put on credit reports, therefore they are violating my right to privacy under pursuant to the Fair Credit Reporting Act 15 U.S.C. 1681 Section 602 ( A ), 15 U.S.C. 1681 604 ( 2 ),! 5 U.S.C. 1681c ( a ) ( 4 ).
Product: Debt collection

Account was opened with XXXX about XX/XX/XXXX or XX/XX/XXXX & remained open until XX/XX/XXXX with payments being made until that year. I did have an account with that firm but I paid the balance in full. I was unaware of the account until I attempted to finance a car in XX/XX/XXXX & was declined due to the account showing as in collection. I had never been contacted by XXXX or the collection agency ( XXXX XXXX of XXXX XXXX ) until I contacted them in XX/XX/XXXX. Midland was not helpful in providing any details of the debt i.e.what was bought, who paid and/or from what account, addresses etc. I had no way to determine if the debt was mine. Asking for documentation showing signatures, statements or forms of payments that could be used to verify the account as mine I filed disputes with the credit bureaus in XX/XX/XXXX. I got nothing other than they were in compliance with all collection guidelines. 
I tried calling Midland- again, no help-no documents. 
In XX/XX/XXXX I called the fraud department at XXXX. Gave them all the info I had about the account & asked for documentation that would prove the account was mine. I learned the account was opened over the phone-no signatures. Again, while they had more information than Midland there was nothing that really showed me as the active person on the account. I wanted statements, payment sources showing my bank accounts. They were not able to prove to me it was my account. 
They wanted 30 days to investigate & make a decision. On XX/XX/XXXX I had not heard from them so I called the XXXX fraud dept. They told me their records showed it was my account. When I asked what records I got answers like, " I can't access that screen '' or I don't have that. When I asked for specifics like what accounts did the payments come from they did't know. 

I can't go back to XX/XX/XXXX or XX/XX/XXXX to check records. My stance is that I will pay the balance if someone can PROVE to me I owe the balance. To date no one has.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I sent a dispute to XXXX and TransUnion to remove two ( 2 ) inquiries made by XXXXXXXX XXXX XXXX  XXXX sent me a letter in response stating they have completed their investigation and made the decision to remove the hard inquiries from my TransUnion credit report and to allow up to 1 month for the change to reflect on the report, it's been almost 4 months and the inquiries still on the report. 

The inquiries are the followings : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will be attaching a copy of the letter sent from XXXX
Product: Student loan

In XX/XX/XXXX received a pamphlet about receiving a degree or certificate for XXXX XXXX in the mail. I ignored the first one but after getting a 4th Pamphlet in the mail I filled out the Pamphlet and mailed it back in and in 2 weeks I received a letter congratulating me for being accepted and that I would receive more information. I dont recall how long it took but I received information requesting my ss # and a drivers license along with a form to fill out about my financial status, if I had a job and how much I earned. I filled out the information and signed the form at the bottom and later received a check stating that it was for a Perkins Student Loan and I was to sign and mail the check back to XXXX XXXX XXXX XXXX, XXXX DE XXXX. I received a phone call later in the week letting me know that I would receive another check and I needed to sign the second check and send it to same address above. The lady told me that they were forming a college in College location in XXXX Ohio on XXXX XXXX and I could attend partially at home and after that within 6 weeks take the remaining of my courses and test at a XXXX XXXX Location. I never did receive the books and when I went to the location on the letter along with other students we found a letter on the door with a phone number stating to call the Department Of Education in XXXX Ohio and when I did they said the XXXX XXXX XXXX was under investigation. I never heard anything back and the Department of Education said I did not have to do anything at the time. Years later I received a letter from a collection agency and later I was informed that Navient would be accepting my loan payments. At the time it was about 2,500.00 and just this year when I had a credit report pulled XX/XX/XXXX I noticed Navient had put the amount on my credit report and this month when I checked through a on line credit agency the amount has increased. I do not own anything on the old Perkins loan because I did not spend any money and the checks were sent to the XXXX XXXX XXXX. I would like to have removed from my credit report and for Navient to remove me from their list of owing for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have sent several letters to Equifax, XXXX, and XXXX  to clean up the inaccurate names and addresses on my credit reports more than twice and they still not have been deleted. I also requested that a two inquiries that I did not make be removed as well and they were not. I am escalating to CFPB in order to rectify the situation and have the inaccurate information from my credit reports deleted. 

Inaccurate Name ( s ) : XXXX XXXX Equifax Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX   Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, GA XXXX XXXX Unauthorized Inquiries : XXXX XXXX - XX/XX/2018 XXXX Unauthorized Inquiries : XXXX XXXX - XX/XX/2018
Product: Debt collection

I contacted Navient, I notified them that this account was identity theft. I also submitted certified letters, affidavit, police report, driver license, social security card, a copy of my identity theft report, a copy of notice of furnishers, a copy of 605B, asking them to please remove this account from my credit report. I have gotten no response. I have made phone calls and sent follow-up letters. last one sent XXXX/XXXX/20
Product: Credit card or prepaid card

In XX/XX/XXXX, I paid off the balance owed to Chase Freedom Acct # - XXXX. Due to the fees charged to my account, they did not show a XXXX balance until XX/XX/XXXX. I disposed of the cards and never used account again. I continued to get offers from the company which I disposed of them as well. In XX/XX/XXXX, I began to receive calls from a collection agency to which I explained that this account had been paid off since XX/XX/XXXX. The collection agency tried to contact Chase and did not receive response. In XX/XX/XXXX, another collection agency contacted me and I told them the same thing. In XX/XX/XXXX, I wrote Chase a letter stating all facts and they responded by sending 75 envelopes all with the same exact pages in them. In XX/XX/XXXX, I was able to reach a representative from Chase and was on the phone for a long period of time because Chase changed the account number and they could not locate account. I was then informed about charges using XXXX to XXXX, XXXX all within a 4 day span. I do not have a XXXX account and did not make these charges. Chase Freedom continues to report negative on my credit reports. Chase needs to correct these fraudulent charges and show a XXXX  balance.
Product: Credit card

Hard Inquiry from JPMCB Credit Card XX/XX/23 I applied for Chase Credit Card. Inquiry twice for same card Chase unlimited... I was advised to contact XXXX to assist me with this matter
Product: Debt collection

I had a debt that was owed to XXXX. The account was bought by a debt buyer. The debt buyer hired an attorney to collect the debt. They filed a lawsuit. I paid the debt and the courts dismissed the case. The attorneys office also sent a letter stating the debt was paid. The debt buyer continues to report money owed on my credit report. I provided them with the same documentation that I am providing to you. I have disputed this information on XXXX times. they continue to say I owe them money.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft this account should be deleted immediately, I have attached all of the relevant information, proof of address, ID, FTC report. 
I am writing to challenge the reporting and compliance on an account with XXXX XXXX account number XXXX that is being reported on my credit report with incorrect/missing/incomplete info. 
More specifically, I am referencing the fact that you are reporting this account was closed XX/XX/XXXX but you are still reporting late payments and charged off status throughout XXXX and XXXX. 
This account was closed XX/XX/XXXX but there are XXXX on time payments being reported XXXX and XX/XX/XXXX, how is this possible if this account is closed? 
An incorrect high balance of XXXX $ on this account that is closed and charged off XX/XX/XXXX. 
Equifax shows paid on time XX/XX/XXXX but XXXX shows a 30 Day late payment? After account was closed late payment history is being reported and updated inaccurately for Equifax, XXXX, XXXX, XXXX, an inaccurate date of last activity incorrect, an inaccurate date of last update, an inaccurate reporting date ]. 
I have listed 13 different errors in your reporting, Update and correct/missing/incomplete information or if all the errors are not corrected. DELETE THIS ACCOUNT
Product: Credit reporting or other personal consumer reports

I requested information regarding the account Capital one XXXX and have not received anything. 

Please have this company upload the following documentation : Last 12 months of my billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E., allocation of payment.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974  :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX