23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

In XX/XX/XXXX I financed my XX/XX/XXXX Chrysler 200 with SunTrust Bank and then in XX/XX/XXXX I sent payment, to pay my account in full. I then received notice dated XX/XX/XXXX indicating my account was settled and that my title will be mailed within 10 days. The 10 days extended to over a year and a half and then I finally received my title in XX/XX/XXXX. After receiving my title SunTrust then proceeded to take possession of my car, stating that my account was not paid. 
I have since then retained an attorney and have to forced to rent a car and incur expenses and stress that I should n't have to otherwise deal with. 
Attached are copies of my documents. I beg that my car be returned to me and that I receive reasonable compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts several times now and it's been almost a year since I stated these accounts are incorrect, erroneous, and invalid.Even the Account number is inaccurate and incomplete for the XXXX account. I also requested documentary evidence from the credit reporting agencies showing me proof that I owe this debt with the account number that's been reporting and everything is completely inaccurate and what's being reported isn't my account this inacurrate account isn't mine and I proven that as clear as day also provided support documents and XXXX XXXX XXXX, Experian, XXXX, and XXXX have been subject to disregarding the Fair Credit reporting Act FCRA also fair and accurate credit transactions Act and 15 USC 1681eb- Compliant Procedures and all the credit reporting agencies I listed have been incompliance disregarding federal laws.Infact I was a victim from XXXX XXXX XXXX when they were unlawfully given out subprime autol loans with ridiculous high interest rate with high monthly payments and loan terms with an XXXX credit score with XXXX monthly payment for a XXXX vehicle and I actually called them when they had the class action suit but they lied and said I were wrong when I met all criteria of their unlawful actions but of course I was told this from XXXX XXXX attorney also there's 4 accounts with the same inaccurate numbers and also incomplete on my credit file for XXXX reported by XXXX another inaccurate reporting is the XXXX XXXX XXXX account and that's been paid of years ago and I were never late also paid early or promptly on time and paid it off completely. So Have that account corrected as never late and paid as agreed and always on time or you can delete that as well.
Product: Credit reporting, credit repair services, 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 name : XXXX # XXXX Account name : national credit adjust # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX has violated my rights. 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Complaint Against Jefferson Capital Systems Resolved Debt Reappearing on Credit Report Dear CFPB Representative, I am writing to formally lodge a complaint against Jefferson Capital Systems concerning a fraudulent debt that has reappeared on my credit report despite being resolved and confirmed as such by the original creditor, Affirm, due to identity theft. 

The initial complaint number submitted to CFPB regarding this matter is XXXX. 

Background : XXXX. Initial Fraudulent Debt Report : The debt in question was originally reported by XXXX. After a thorough investigation, it was determined that the debt was a result of identity theft. 

XXXX. XXXX by XXXX : XXXX acknowledged the fraud and, in the most recent communication dated XX/XX/2024, explicitly stated that the debt would be removed from all credit reports and no longer be reported. 

XXXX. Reappearance by Jefferson Capital Systems : Despite this resolution, Jefferson Capital Systems has reported the fraudulent debt again on my credit report. 

Applicable Laws : XXXX. Fair Credit Reporting Act ( FCRA ) : Under the FCRA, specifically 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is required to block the reporting of information resulting from identity theft upon receipt of appropriate proof from the consumer. 

XXXX. Fair Debt Collection Practices Act ( FDCPA ) : Jefferson Capital Systems actions XXXX also be in violation of the FDCPA, which prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt ( XXXX XXXX. XXXX ). 

Details of Complaint : XXXX. Date of Most Recent Communication from XXXX : XX/XX/2024 XXXX. Summary of XXXX : XXXX confirmed that the debt was a result of identity theft and assured that it would be removed from all credit reports. 

Attached are copies of all relevant documentation, including the most recent communication from XXXX confirming the resolution of the fraudulent debt. 

I appreciate your prompt attention to this matter and look forward to your assistance in ensuring that my credit report is accurately and fairly represented. 

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

I have several inquiries on my credit report that I did not authorize. I have reached out to the credit bureaus and companies and no one will remove them.      XXXX    XXXX   XXXX    XXXX   XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX   XXXX / XXXX / XXXX ,  XXXX ,  XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX    XXXX    XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX  The company said the inquiries were verified which can not correct as I did not apply at any of the companies.
Product: Credit reporting

I complained to Equifax that they were reporting that I closed an account with XXXX. I sent them written proof that XXXX closed the account, not me and asked them to delete the account because of the error. They responded that they had verified that the account belongs to me. This is obviously an improper response indicating that they did not really read my dispute or are just trying to skirt the real issue. Since they did not respond to my actual dispute within 30 days the account should be deleted. It 's like I disputed something about apples and they replied about bananas. Equifax does take consumer disputes seriously. They should be forced to comply with the law.
Product: Mortgage

Randomly the Mortgage serving company changed my mortgage of 16 years. Now my principal portion is at {$140.00} down from {$460.00}. After many attempts to find out why I am asking for help from CF. The mortgage company is firm that the mortgage was modified and reset with high interest. 
I did not request a modification. I came out of forbearance in 2021 completely up to date and never expected a year later to see my principal payments be so LOW. 
All the servicer states/ insists is that the change is a result of a modification but I never agreed to a modification, only the forbearance program offered during the pandemic emergency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, affiant is aware pursuant to 15 U.S. Code 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency, such as, XXXX, XXXX and Transunion, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with the below listed accounts is not relating to any transaction by myself, XXXX, XXXX and Transunion is required to place a block on my consumer report on the information associated with the accounts listed above. This information would not be blocked in error, if I feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting ActXXXX XXXX  Account # XXXX, you have violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Social number XXXX I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$680.00} Opened XXXX XXXX XXXX {$4700.00} Opened XX/XX/XXXX XXXX XXXX {$1600.00} Opened XX/XX/XXXX XXXX XXXX {$120.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$810.00} Opened XXXX, XXXX XXXX {$490.00} Opened XX/XX/XXXX XXXX XXXX  {$880.00} Opened XXXX, XXXX, XXXX XXXX   XXXX XXXX {$0.00} Opened XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously contacted XXXX XXXX XXXX as well as Equifax to inquire on the late payments reflected and were told that the account would remain open and in good standing now that it has been paid but they couldn't lawfully suppress any particular portion of the actual payment history on my XXXX account including late payments, neither can they lawfully delete the tradeline altogether for your account. 
After receiving this, I noticed that a significant amount of late payments, 28 to be exact were added to the account that were not previously there. To add insult to injury, on exactly XX/XX/XXXX I received a notification from XXXX XXXX that an account on my credit profile was listed as " closed '' on my EQUIFAX credit report decreasing my credit score by 56 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid off in XX/XX/2019
Product: Credit card or prepaid card

My XXXX XXXX XXXX wife, trusted the statements and did not review the credit card statements. 
She has experience memory problems, which resulted that I review her credit card statement from the Bank of America. I found that she was paying a freud company at least three times a month for significant money. I researched that company and it was recognized by XXXX as XXXX, I went back two years and the money she paid was significant. I also found another freud with another company going back three years. 
The total claimed added to XXXX. Many calls to the Bank of America accepted the complaints, and said that they needed to review the complaints.We kept calling and was told that they would resubmit the claim We finally received a check for XXXX dated XX/XX/2023. We requested that they resubmit our claim, and received a letter dated XX/XX/2023 stating that they were unable to approve your recent claim. 

We feel that Bank of America is taking advantage of an XXXX XXXX XXXX lady with memory issues. The claim number is XXXX, and the claiment is XXXX XXXX XXXX. 
Thank you for your help. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Credit reporting laws ensure that bureaus report on only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

In a letter back in my first dispute, I requested PHYSICAL VERIFICATION OF PROOF THE CREDITOR USED TO VERIFY THIS ACCOUNT IS ACCURATE. As of this date and two disputes later, I have not received anything from your credit bureau, but I did contact you a couple of weeks ago and spoke to a XXXX and I was told by XXXX  that when investigating disputes, everything is sent electronically including the Creditors response ; which in my case the Creditor listed didnt send any documents to verify that this account was accurate.

I requested why I didnt receive documents that the Creditor sent to the Credit Union ; I was told there wasnt any documents sent, the Creditor just responded that the information reported is correct without having to provide any documentation to support the claim. I received a response back from you stating that the consumer stated that the information in the credit file has been VERIFIED AS ACCURATE AND UPDATED.

My next step is to contact the Federal Trade Commission, the local news, XXXX to get the answers I deserve as a consumer.

I am supposed to be protected through the Fair Debt Collection Practices Act. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this debt and if they can not verify then the item must be deleted from the report as soon as possible : The listed item is completely inaccurate the item attachments ). XXXX College is the original creditor. My account with XXXX is paid monthly. As you can see I can extend my time whenever I chose by calling, see attachment. Also, from XXXX  own website, I can cancel at any time and they will deduct the amount of the tuition which by their schedule, I have not submitted fifty percent of the assignments, so why am I being charged the full tuition amount. If anything, I completed 25 % of the assignments and should pay a portion.

I never cancelled the course just postpone due to financial reasons. Per their own document on their website, I will need to cancel my program in writing. I never submitted a cancellation letter, so I am requesting a copy of this alleged letter to validate their claim.
Product: Checking or savings account

The bank violated Reg CC by holding the check deposited in my XXXX without due cause. They held my check 30 minutes after depositing it because they said it would not clear the bank it was drawn on. Nothing was made available and now my account is overdrawn. This was a check from a title company and there was no reason it should have been held especially given my relationship with them.
Product: Credit reporting or other personal consumer reports

Not happen they failed to even reach back out to me after sending out numerous of letters
Product: Debt collection

Dear CFBP Officers : I am writing you to complaint about an illegal or even a fraudulent debt collection attempt by Ability Recovery Services LLC and thus destroying my credit history which is denying me credit opportunities and this fact is even more exacerbated by this trying times. 

- First of all, this company never notified me in writing that I owe any debt to them. This a clear FDCPA violation. 
- Without any notice to me they send such fraudulent information to credit reporting agencies. This a clear FDCPA violation. 
-Failed to send me a validation of debt which is a clear FDCPA violation. 

Credit reporting laws ensure that bureaus and collection agencies are obligated to report only 100 % accurate credit information. Every step must be taken to assure the information is reported is completely accurate, correct and belong to the right person. Clearly Ability Recovery Services LLC has failed in reporting my credit file accurately. 

Therefore, the following information bellow must be removed as soon as possible. I respectfully request that you provide me the proof that these items belong to me and were authorized with an instrument bearing my signature and supported with IDs and any other legitimate supporting documents. Failing to prove that, unauthorized, inaccurate and most likely fraudulent items must be removed from my file immediately : 1. ABILITY RECOVERY SEVICE - Account number XXXX I also need to inform you that in XXXX, I notified all 3 credit reporting agencies and CFBP that similar attempt was made and investigation by credit reporting agencies proved that I never authorized such a purchase or service and was removed immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

How you doing today, I submitted a dispute by mail to on XX/XX/21 i still havent recieved my dispute results or any progress been made. It has been past 30 days and i want this account that is not correct off of my credit report
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I submitted a complaint to CFPB ( Claim # XXXX ) regarding unauthorized accounts, addresses, and inquiries on my Equifax credit report. Equifax responded on XX/XX/year>, claiming the fraudulent items were removed. However, while some items were temporarily deleted, they were reinserted almost immediately, contradicting Equifax 's claims. 

Despite providing a complete and accurate FTC identity theft report, Equifax falsely asserted that my report was incomplete. This misinformation and mishandling of my case led to continued damage to my credit report, including difficulties obtaining credit and financial stress. 

Fraudulent accounts and inquiries from multiple entities, including XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and others, remain on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). 

I demand the immediate and permanent removal of these fraudulent items, a thorough investigation, and financial compensation for the harm caused.
Product: Credit card

The company Macys is directly violating my consumer protection rights as they have not proved the requested balances and fraudulent transactions were authorized/made by me. Company has limited access to U.S. Representatives- many which are untrained and unable to provide assistance in legal matters or those that breach consumer rights. Macys is refusing to investigate further account activity, then later closed the account without authorization to access the credit file which they stated is the reason of account closing. Macys used deceptive, unethical business tactics in several occurrences not limited to, reducing credit limits significantly despite on time payment history ( resulting in continuous high utilization ), inflation of fees accessed, failure to provide consumer friendly platform ( online servicing/out-sourced representatives ), negligence to notify consumer of account details, and withholding information. Despite the response to previous compliant, senior executive at Macys did not respond to calls or emails left to further investigate/ discuss issues and how consumer rights were violated.
Product: Debt collection

Contacted total Card after cfpb complaint Explain to them they didnt provide a wet signature, signed promissory or and legal signed documentation with validation for aaid debt. 

Instructed said collector to stop collection immediately until they can provide signed documentation.
Product: Debt collection

A company called Client Services Inc. has been contacting me frequently. The calls come from different numbers every time. I have received messages which I still have recordings of. These phone calls are all for a person I do not know, and on five separate occasions I have explained this and been assured my phone number will be removed. The calls have become such a nuisance that I have to avoid picking up calls from numbers I don't know, which I need to be able to do for work. The most recent phone call was a few minutes ago today ( XX/XX/2018 ). I can track down more dates if needed, as like I mentioned I do have recordings. I have also called them back myself to address the issue of them having the wrong phone number, and again they assure me it's being corrected. On one of these occasions I was called back the very same day.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2024 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX : {$430.00} XXXX  XXXX XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After placing a security freeze with each of the 3 credit reporting companies ( XXXX, XXXX & Experian ), I attempted to access how I would remove the freeze from each company. After successfully determining the steps with XXXX  & XXXX, I found Experian to be extremely difficult to remove the freeze using their website and 800 phone line. Both options were unresponsive or accommodating. It was impossible to interact with an agent to get information or lift the freeze. I would be greatly appreciative if you could work with their organization to make them provide a more user friendly means of removing a freeze once its been put in place so the general public can be protected and easily restore their credit reporting accessibility when necessary. 

Your assistance in addressing this difficulty is greatly appreciated. Regards
Product: Credit reporting or other personal consumer reports

I contacted Experian regarding what data is used in calculating my score. I provided them documentation of good standing with two utility companies, XXXX and XXXX, but Experian will not factor that good credit history because I pay those bills through XXXX XXXX via their bill pay function. 
The account called healthy benefits is funded by XXXX as part of my XXXX benefit. I recieve monthly a direct deposit to my checking account but I also receive monthly {$300.00} to my account at XXXX that is specically designed to make utility, food or OTC purchases. I provided Experian documentation of my use of this account to pay my utility bills. Experian refuses to count this good payment history in calculating my credit score. Unfair.