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

Based on my file i see inaccurate information on my report showing nevagtive items that needs to be removed. 

these accpunts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) in general Subject to subsection ) c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) Inaccordance with the writtne instruction of the consumerto whom is relates. I NEVER GAVE ANY CONSUME REPORTING AGENCY WRITTEN CONSENT to report anything on my consumer report which violated my rights as a federal protected consumer.

15 U.S CODE 1681c- 2 a consumer reporting agency shall block the reporting ofanyinformation in the file of a consumer that the consumer identiflies as information that result from an alleged identify theft, not later than 4 business days after date of receipt. 

Account name : XXXX Account number XXXX date open : XX/XX/XXXX Account name XXXX XXXXXXXX XXXX XXXX Account number : XXXX Date Open : XX/XX/XXXX Acciunt name : XXXX XXXX XXXX  Account number : XXXX Date opened : XXXX XXXX XXXX XXXX
Product: Debt collection

JEFFERSON CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX RE- CEASE AND DESIST To whom it may concern : JEFFERSON CAPITAL SYST is a debt collector and Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including JEFFERSON CAPITAL SYST .

Since JEFFERSON CAPITAL SYST has taken oppressive actions and infringement on my personal privacy, this has harmed my general reputation of credit worthiness by furnishing such alleged debt to the consumer reporting agencies. See proof in the attachment labeled as Exhibit ( A ). This constitutes as a violation pursuant to 15 US Code 1692 c ( c ) & 1692d ( I ) for the use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

Upon receiving this notice, I demand you to CEASE AND DESIST further communication through all mediums such as email, text messages, phone calls, consumer reporting agencies or any other forms of communication regarding the alleged debt in which I allegedly refuse to pay pursuant to 15 USC 1692c ( c ). Remove the collection from all consumer reporting agencies. 

Due JEFFERSON CAPITAL SYST Fraudulent actions, this constitutes as aggravated identity theft for knowingly possessing and using, without lawful authority my identification with intent to commit unlawful activity which is a direct violation of Federal Law and felony pursua

nt to 18 USC 1028 and I8 USC 1028A. Pursuant to 15 USC 1692k any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an
amount equal to the sum of {$1000.00} per violation, JEFFERSON CAPITAL SYST as confirmed is a debt collector who failed to comply with the Fair Debt Collections Practice Aet ( 15 USC 1692 ) may be held not only civilly but criminally liable for any actual damage sustained in your attempt to extort me if JEFFERSON CAPITAL SYST violates this CEASE AND DESIST!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone entered a Fraudulent consumer transaction with an organization using my credit card ( as described in 15 USC 1602 ) and as a Result was extended credit in a consumer credit sale by this organization. The Organization is now Claiming that they originated the credit, that someone else Extended to them by using my personal information, in which constitutes Fraud. Pursuant to the Federal Law they have committed fraud and several violations of the FDCPA, TILA, & FCRA. They have not validated anything ; I never received a Material Disclosure of any of the information that was suppose to be provided to me. They have not been Impartial & have taken an unfair Advantage of me as a Consumer ; They should be held accountable for deceiving me and not Validating the Debt. They are Violating my Trust within the banking system and this is causing me Reluctance when doing Business with other banks & Financial institutions. They are Ruining my general Reputation and Character and should be held Accountable for Violating the law and Violating my Trust. This is causing me severe adversity, Stress, mental anguish, hardship, & XXXX as a result of them reporting Fraudulent information on my consumer Report. They're acting as if they are Unaware of what i am Requesting or that the Law does not Apply to them and I've included Evidence & Proof several times, Pursuant to Federal law with facts that prove that the Law does in fact apply to them & that they Must Adhere to them. They have disregarded the law by saying, The information I disputed has been verified accurate, which is Not Proof Of Verification or Proof of Anything. They have not Provided me with any Original Documents & They Continue to disregard the Law by failing to properly verify information and using unfair Practices With no real actual investigation ; They haven't conducted any interviews nor have they sent me Verification with Exact names & addresses of conducting Actual interviews Nor have they provided me with any Material Disclosure of any Original Documents. Their willful Disregard to Federal law and non-compliance has essentially damaged my Credit File as well as my consumer Report and Reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan through Ally Financial for a XXXX XXXX XXXX. This loan originated on XX/XX/XXXX and was paid every time on time until the vehicle was totaled in XXXX of XXXX. The finance company erroneously reported my loan as being late for 3 consecutive months after the vehicle was fully paid off by my insurance company XXXX. I have contacted them directly several times about the incorrect late payment status & it has never been updated on any of my three credit reports. Thus has caused me irreparable damage to my credit score and overall harm to my credit profile. At this time I have no other option other than to ask for government assistance. From my attached screenshot of this item on my credit file you will see it has been disputed prior and I have a consumer statement saying that I disagree with the results.
Product: Prepaid card

i have been buying these vanilla prepaid cards for years because i own a landscaping business and reward my employees with them every month or so never had a problem untill now... recently i bought XXXX prepaid card with different amount of money each XXXX and XXXX of those card where compromise i tried to use them there was no funds on all XXXX of those card.. the rest was fine.. these XXXX card had different charges with different merchants i really dont know how thats possible since they where in my possesion the whole time.. any ways i called customer service and they suggested i needed to report the transactions unauthorized on all XXXX cards and that it would take 90 days to resolve.. witch i think is ridiculous.. hopefully XXXX  can help me recover my money by either sending me new card or my refund or a XXXX XXXX ever is more convinient for them ... below i will leave the case number they gave me including the card numbers.. also i will not be buying anymore gift cards from this merchant since they are so hard to help resolve my problem and also if my issue is not resolved fast i will file a lawsuite for my money thanks in advance.. i also uploaded pics of cards and reciepts case # XXXX card # XXXX case # XXXX card # XXXX case # XXXX card # XXXX case # XXXX card # XXXX case # XXXX card # XXXX
Product: Credit reporting or other personal consumer reports

Hello, since XXXX I have been trying to get the bureaus to correct erroneous information reported in my report, however so far I have not received responses. I attach the letters that I myself have made and sent so that you can see the errors that I highlight to the bureaus and which they have ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the written requests, the unverified items listed below are reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed items which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} XXXX XXXX : {$4800.00} XXXX XXXX XXXX XXXX : {$4500.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX : {$740.00} XXXX Date of inquiryXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this consoling again against XXXX XXXX XXXX XXXX TransUnion Consumer Solutions I am writing to express my deep concern about the continuous violations committed by XXXX & TransUnion regarding the accuracy of the information reported on my credit report. Despite submitting a complaint to both the Consumer Financial Protection Bureau ( CFPB ) and the California State General Attorney, XXXX & TransUnion has failed to conduct a proper investigation, in accordance with the regulations set forth in 15 USC 1681i. 

XXXX XXXX XXXX XXXX Acct # XXXX & XXXX Acct # XXXX These accounts theyve stated theyd completed a through investigation and verified the information is accurate and updated but evidence provided below proves other. These accounts according to the XXXX and TransUnion havent been verified since XXXX & XXXX but yet theyve stated theyve done a proper investigation. 

I have been a victim of inaccurate and outdated information reported on my credit report by XXXX and TransUnion. Despite my repeated attempts to get XXXX & TransUnion to investigate the matter, they have refused to conduct a thorough investigation to verify the accuracy of the information reported on my credit report. This has resulted in significant financial losses, damage to my creditworthiness, and overall emotional distress. 

I have submitted a complaint to the CFPB and the California State General Attorney in the past, but XXXX & TransUnion has still failed to follow proper conduct and verify that the information reporting on my credit report is accurate and up-to-date. This lack of action by XXXX & TransUnion is a clear violation of the regulations set forth in 15 USC 1681i and it is imperative that appropriate action is taken to hold XXXX & TransUnion accountable for their actions. 

I urge the CFPB to investigate XXXX & TransUnion Consumer Solutions and take appropriate legal action to ensure that they comply with the regulations set forth in 15 USC 1681i. XXXX & TransUnion must be held accountable for their continuous violations and failure to conduct a proper investigation. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I have submitted ( XXXX ) reports on this inaccurate and incomplete item on my consumer report. 15 U.S.C. 6802 a financial institution may not, directly or through any affiliated, disclose to a non affiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies. Not only has this disclosure agreement give my legal information but my personal information as well. By law you obligated to investigate these inaccuracies and incomplete accounts. 15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer report containing any of the following items of information inaccurate or incomplete. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer if the person has reasonable cause to believe that the is incomplete or inaccurate. Please remove this item immediately! 


XXXX XXXX ( account number ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this was the companies stall tactic this what they sent me, so I attached my drivers license, Bank Statement and a copy of my social security card I'm submitting it thru here to make sure they get it they keep telling me they have not got it thru the mail sent XX/XX/2022 I want them to update there file so I can get all this fraudulent accounts blocked and deleted which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now My identity was stolen me and my family of XXXX will be facing XXXX due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX ) XXXX XXXX XXXX My Name should only be listed as XXXX XXXX all other names should be deleted my correct address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ga XXXX all others should be deleted to prevent further fraud and any mail sent there with any dispute information my only phone number is XXXX all others should be removed
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I reviewed my credit report and I noticed that there is inaccurate misleading information on my credit report concerning charge offs and collections accounts that have been repeatedly sold and reported multiple times. These practices violate several provisions of the Fair Credit Reporting Act ( FCRA ), specifically XXXX which mandate the accuracy, fairness and integrity of consumer credit reporting.Under XXXX ( a ) of the FCRA reporting agencies must ensure that only accurate information is reflected on credit reports. Repeatedly listing the same debt under different collection agencies or reporting a sold charge -off as still owed by the original creditor constitutes duplicatiative and false reporting. Futhermore section XXXX requires data furnishers to provide accurate completion information while section XXXX mandates that credit bureaus adopt procedures to assure maximum accuracy. The repeated resale of these accounts have caused significant harm to my credit worthiness and financial well-being and constitutes willful negligent noncompliance with the FCRA. Additionally under section XXXX FCRA as a consumer I am entitled to monetary relief for willful violations with statutory damages of {$1000.00} per occurrence in which I am seeking for the harm caused due to their neglect to investigate and correct these errors. Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( I never lived at this address nor is this to my ss number? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( removed & reinserted ) not notified XXXX XXXX  ( chargeoff ) no XXXX received from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( chargeoff ) no XXXX received from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my free credit report from TransUnion in the mail on XX/XX/18. Started my disputes online on XX/XX/2018. After I submitted my online dispute the generated message from TransUnion shows my dispute estimated completion date as XX/XX/2018. This date I was given is exactly 60 days from the date I filed my dispute. By law of the date would be a FCRA violation of my rights. A CRA has 30 days to make its determination, the law states the CRA will have an additional 15 days if doucuments are submitted with the dispute. Under FCRA 623 ( b ) ( 1 ) the estimated time is in which TranUnion gave me to complete the dispute is in clear violation of my rights. If TransUnion fails to comply with the law and resolve my dispute in a timely manor I will file a complaint with my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

PURSUANT TO 15 USC 1692C. ( C ) ( 2 ) - 1AM INVOKING MY SPECIFIED REMEDY AS A CONSUMER, AND THE ORIGINAL CREDITOR I AM DEMANDING ALL THE FOLLOWING : XXXX OUT THE BALANCE ON THIS ACCOUNT DELETION FROM ALL CONSUMER REPORTS BEST REGARDS
Product: Credit reporting or other personal consumer reports

I requested inaccurate information to be deleted from my credit report. The account is closed but they are reporting it as open. Every time I call them they say they will delete it but it continues to show on my credit report. I requested for them to provide me with the original contract with my Wet signature/Creditor name -address-phone number of original Merchant/Payment history and Itemized Billing associated with my account/Proof of ownership providing that you are Autherized to collect this. 
XXXX FCRA states under 15USC.1681 section 602 states I have the right to privacy and 15USC.1684A section2 states you can not furnish my information with out my written permission. 15USC.1666B sates a creditor can not treat a payment on a open account as a late payment. 
XXXX Lendmark XXXX Bank XXXX XXXX XXXX Please Provide me with the original contract with my Wet signature/Creditor name -address-phone number of original Merchant/Payment history and Itemized Billing associated with my account/Proof of ownership providing that you are Autherized to collect XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I am filing a report against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

{$33000.00} was added to the principal on my mortgage without notifying me, giving me a reason or allowing me challenge it. Is the lender allowed to do that? Home is in California. I had a loan modifications 5 years ago from XXXX and as part of that modifications, {$99000.00} will be deferred and in 3 equal installments over 3 years of the anniversary of the modification, 1/3 of the deferred principal will be forgiven in which after 3 years, all {$9900.00} will be forgiven. XXXX sold the loan 4 years ago to Shellpoint Mortage and in XX/XX/2018, they just tacked on {$33000.00} back to the principal, thus breaching the contract. They have yet to respond to my inquiry and they are ignoring me.
Product: Bank account or service

I received an amazon.com store card, issued by Synchrony Bank ( XXXX ), that I never asked for. It is intended for use on amazon.com. I can not cancel the account. The bank says it 's fraud - I do n't believe it - why would the card come in the mail to me. It is an unsolicited account and I need to get it cancelled!
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN I HAVE AN ADDRESS THATS LINKED TO THE SAID ACCOUNTS THAT I AM NOT AFFILIATED WITH THROUGH MY RESEARCH THE ADDRESS SEEMS TO BE XXXX XXXX XXXX XXXX XXXX, MA XXXX AND THE ACCOUNTS WERE A XXXX CREDIT CARD AND A LOAN FROM XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach please help thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

new and updated information CitiMortgage has failed to respond to my letter received by them on XX/XX/2022 within the FCRA required 30 days
Product: Debt collection

I am submitting this complaint because I am being extremely affected by TRANSWORLD SYSTEMS INC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I was not billed by medical service company, and was not sent any prior notices prior to collection being put on there. Also, they failed to mark account as disputed when I sent them my dispute by mail. The collection company harassed me on the phone. 

My accounts information are : Account Information : Account Number 1 : XXXX Date Opened : XX/XX/2017 Balance : {$210.00} Account Information : Account Number 2 : Date Opened : Opened XXXX XXXX, 2017 Balance : {$50.00} Account Information : Account Number 3 : Date Opened : Opened XXXX XXXX, 2017 Balance : {$50.00} Solution : Deletes my accounts from all credit bureaus and waives the balance.