23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Had never even heard of Jefferson Capital Systems until I received a notification from XXXX XXXX my score had changed and I checked it. I have never received ANYTHING from this company in an attempt to collect any type of debt. On my credit bureau Jefferson Capital Systems is shown as " CLOSED '' but are reporting that I am in default to them although I have never had any type of corespondance with them. Jefferson is claiming I owe XXXX XXXX {$170.00} on an account I had CLOSED 7+ yrs ago WHEN my CONTRACT ENDED! They have NOT supplied me with ANY type of documentation, statement, account number, contract or contact I will be contacting the FTDCA dept. How can a company possibly report you as deliquent when they have NEVER contacted you! This is Blatant Violation of FDCPA rules and regulations. Time Barred Accounts and Non Validation of this account. I will be filing with the FTC and the Attorney General 's office as well regarding their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I voluntarily closed my XXXX XXXX  XXXX Card account and I need it marked as CLOSED BY CONSUMER on the normal XX/XX/30 reporting date but if not immediately thereafter as it would be a willful FCRA violation to wait until XX/XX/XXXX or XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to update my personal information with little success, Please help me do so and delete the XXXX
Product: Credit reporting or other personal consumer reports

Under the regulations set forth in 15 USC 1666b, late payments linked to accounts identified as XXXX and XXXX must be removed from my credit report. Furthermore, pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as XXXX is to be expunged from the report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report. Moreover, as per 15 USC 1681B and in adherence to section 604, all charge offs must also be expunged from the report.
Product: Mortgage

My loan was transferred from XXXX XXXX to Freedom Mortgage. From the first notice I had called and ask what next steps are. I was to and I followed the to the letter. I was trying to set up online my ACH with a customer rep on the line with me. As instructed I paid one month up front prior to setting up a payment twice a month to be drafted from my XXXX XXXX account. The soft wear was not working and we tried 10 times with out success. At that point the customer rep said he would take my information and put it into the system from his end. A week later I got a call from a rep from FM and she said the ACH was not complete and she would take care of it. Now 2-3 weeks later I got a tax bill from my township and I called FM to ask for a email address so I can scan in the tax bill to match up my escrow. I had asked while I was calling how is the ACH set up and is it ready to go. The customer rep told me it is not even set up. I said read the notes the rep from weeks ago was setting it up. The rep agreed the notes in fact said it was being activated by FM but now since so much time has gone by you need to pay another month in advance to get your bi-weekly ACH set up. I said I did and I will not do it again. This is your problem at the bank and not mine. I has been very unprofessional and with no answers as to how they are going to fix this.
Product: Mortgage

My mortgage is already paid off and then company is still having me pay mortgage, I brought it to their attention that they have added over {$150000.00} to my principal, which they credited me back back roughly {$50000.00} ( this not the correct amount credited off the top of my head ) but the won't credit be the full amount and the company do not want me to even talk about it, but they keep telling me that my account is refer to and attorney, while I was on a payment plan wait, but because the wont get it together that is the reason why I have to keep playing so they would not use my not paying as a tool to take my house. I had stop paying for at one time for almost a year because I don't owe anymore mortgage payment, however, a family friend attorney told me that I should still pay until everything is resolved, so that is why I am still trying to pay. There are documents that I did not sign, notaries that I never met, and more fraudulent documentation that I knew nothing about, it is a mess, but I was working with them, and I can not do it no more by paying mortgage on a house that is supposedly paid off, actually the company owe me not me owing them, but the company refuses to credit me the balance the owe me for after I over paid. the hardest hit had even paid roughly {$48000.00} and the can not give a good explanation on where that money went.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX BANK XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Checking or savings account

Citi Priority, I opened a new acct in XXXX, I deposited {$15000.00}, I received a debit card, checks, a pin, a confirmation letter. I even tried to deposit more. All of a sudden, they froze my acct & wouldn't tell me why. On XXXX, they sent me a letter saying they closed it because I violated the account terms per the client manual, but won't tell me how, I only had the acct open for less than a week. They said they will mail me my XXXX, sometime in the future. I am very financially responsible person w a very high credit score!
Product: Debt collection

I received a notice of collection from a company called PennCredit Corporation in which they are stating I have 30 days to pay {$240.00} for an electricity bill from XX/XX/17 in which I have no idea what it is. It lists an address that I have never lived at and I can prove this if needed. The company they are collecting for is by the name of XXXX XXXX, never heard of this place either but the company looks reputable. I looked up reviews on this collection agency and they are notorious for having a bad reputation and have tried to collect on many debts that are fraudulent. Please help me with this issue asap. There is one more thing and that it is not being reported on my credit report.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report today, I was surprised to find inaccurate accounts listed, and I dont understand why. I check my report regularly, but these discrepancies appeared out of nowhere. I even tried refreshing my browser to see if it was an error, but nothing changed. Because of this, I am requesting a careful examination of the documents I have provided so that I wont have to stress over this issue anymore.
Product: Debt collection

Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medicam information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to MY medical records. I know for a fact i did not give ANY provider permission to share my medical information. RECIEVABLE RECOVERY NEEDS to remove ALL accounts on my credit report and send these accounts back to the original creditors. In addition i will be filing lawsuits against these creditors for violating my medical rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer declare that in XXXX XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed there were several accounts and multiple hard inquiries I did not recognize and did not authorize. Those accounts contained account numbers that I did not recognize and origination dates that are clearly erroneous. I did not open or said accounts with any of those companies on the dates listed on my credit report. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission from XXXX XXXX to XXXX XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the XXXX Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.I put Equifax, XXXX, and XXXX on notice and they have not complied within 30 days time frame.
Product: Debt collection

on XX/XX/XXXX Midwest recovery placed a collection on my XXXX report. I disputed the item with the credit agency, the consumer financial protection bureau and the company. I asked the company to provide me a historical payment history and the original contract terms. the company refused. XXXX gave the Midwest recovery systems 30 days to respond to my request or the item would be deleted. Midwest recovery never responded to the request from XXXX  and the item was deleted from my credit profile. On XX/XX/XXXX, Midwest recovery systems illegally re-aged the collection account and reentered it again on my credit report with out notifying me of the new collection effort. Midwest recovery systems has called my job and asked for my personal information. Midwest recovery systems has also contacted my father and threatened to have me arrested if i did not pay this item. I am being harassed by this company and i would like some action to be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX and XXXX XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reporting on XXXX accounts ( XXXX XXXX XXXX, Account # XXXX and XXXX XXXX XXXX, Account # XXXX ) with Equifax numerous times over the last XXXX years and each time Equifax sends me a notice stating that they have either verified that the accounts are reporting accurately or that the accounts have been updated. Equifax has. not provided me with the specific process of how their investigations were conducted, including but not limited to who was the contact person with whom they spoke to when the creditor was contacted. I received no information other than that Equifax verified the accuracy of the accounts and/or that the accounts were updated. Below is a list of disputed inaccuracies on both accounts : Incorrect balance Missing information Status or any other field blank Status incorrect Account number inaccurate Account type inaccurate Date of last activity incorrect Date of last update incorrect Date reported inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft I have filed a dispute with the Experian fraud department and have provided them a valid police report and a valid FTC affidavit I have taken all the steps and I just keep getting some generated reply from Experian saying my police is not valid because it was not filed with a law enforcement when in fact it was and I have provided all the information needed for Experian to verify the police report. They are knowingly and willingly damaging my credit and have caused me stress and multiple time to keep going to the police department even when they keep giving me the same police report and saying they don't know why Experian is sending some generated letter asking for a police report to block fraudulent account when they I have provided the valid police report. Enclosed is the FTC, Police report and the generated letter I get from Experian. Along with my Dispute letters sent to Experian. I have also checked my XXXX and XXXX who do not report any fraudulent accounts on my report. This is reformation
Product: Credit reporting or other personal consumer reports

I am re-submitting another CFPB complaint as follow up and an assurance that the XXXX, EQUIFAX and XXXX Credit Bureaus will carry out my request to them to investigate and help me remove these fraudulent items that I listed in my previous complaint and today. And I am humbly requesting the CFPB for participating in assisting me in fixing the problem occurring in my credit file. Here are some items that I believe were opened from an alleged identity theft, that needed immediate attention and if possible prompt removal : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

You contacted me for feedback on how my previous complaint had worked out for me. Equifax promised that they would in fact finally send me a copy of my Equifax report even though this was my fifth attempt to receive it. 

To date, I still have yet to receive my Equifax report. I am at the poinXXXX where I feel I have no choice but to file a civil suit in my county 's small claims court.
Product: Credit reporting or other personal consumer reports

I am filing an urgent complaint against XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The inaccurate and unverified account reported by XXXX has significantly damaged my credit score and financial standing. This has led to considerable hardship, including challenges in obtaining credit, increased interest rates, and substantial stress. The actions of XXXX has caused undue harm to my financial reputation and stability. Despite my efforts to resolve this matter directly with XXXX, Experian and XXXX credit bureaus, the incorrect information remains on my credit report. Please review the enclosed documents and conduct an investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to notify the credit bureaus AGAIN that I was a victim of identity theft and that I would like these bogus items removed from my credit file as a result of the claimed identity theft. CREDIT BUREAUS is obligated by FCRA 605B ( 15 U.S.C. 1681c-2 ) to REMOVE any items specified in Identity Theft. HERE IS THE LIST OF ITEMS THAT I WANTED TO REMOVE AGAIN! 



XXXX XXXX Balance : {$31.00}, XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXXXXXX XXXX Balance XXXX {$20000.00} ; XXXX  XXXX Balance : {$6100.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Email : XXXX Phone : XXXX To : Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : Formal Request for Charge-Off Notification Proof & IRS Form XXXX Compliance Dear Credit Bureau Representative , I recently obtained my XXXXbureau credit report and was shocked by the inconsistencies in how each credit agency reports my financial standing. 

My XXXX  XXXX charge-off has been reported differently by all three bureaus, each painting a conflicting financial picture. Heres what I found : XXXX : Lists the account as Paid Charge-Off, with a last reported balance of {$620.00}. 
Experian : Reports it as Paid Charge-Off, but lists the balance as {$0.00} with no clarity on the charge-off date. 
XXXX : Shows the account as Charge-Off & Disputed, with a different reported amount of {$590.00} and ongoing reinvestigation in progress. 
Why is there no consistency? How can the same account reflect different balances, statuses, and charge-off dates across bureaus? This not only raises concerns about accuracy and fairness but also puts me at risk of misrepresentation to creditors and financial institutions. 

Legal Violations & My Rights Under the Law Failure to Notify Me of Charge-Off ( FCRA Violation XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ) Creditors must notify consumers within 30 days when reporting negative information, yet I was never properly informed of this charge-off. 
I demand written proof that XXXX XXXX notified me before reporting this account as charged-off. 
Failure to Issue IRS Form XXXX ( IRC Violation XXXX XXXX. XXXX ) If XXXX  XXXX wrote off more than {$600.00}, they are legally required to issue IRS Form XXXX for tax reporting. 
If they reported this debt as a loss to the IRS, I am entitled to a copy of the XXXX form for my tax records. 
If no XXXX was filed, I demand a written letter stating this account was not reported as a canceled debt. 
Action Requested Provide proof that I was notified before this charge-off was reported. 
Verify and provide IRS XXXX XXXX or a letter confirming why it was not filed. 
Investigate and update my credit report to reflect accurate and consistent information across all bureaus. 
Explain why different balances and statuses appear for the same account. 
Failure to Respond Will Result in a CFPB & IRS Complaint If I do not receive a response within 30 days, I will escalate this matter to the CFPB, FTC, and IRS, highlighting these discrepancies as potential violations of federal laws. 

This is not just about fixing an errorthis is about holding credit bureaus accountable for reporting accurate and consistent information. 

If you have any questions, you may contact me at XXXX or XXXX. I appreciate your immediate attention to this matter. 

Sincerely, XXXX XXXX
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. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have opened, and AMEX have closed a dispute multiple times regarding a purchase at XXXX XXXX XXXX. Most recently I was asked for a complete timeline of what happened and I provided this but the dispute was then closed again stating that the timeline to make a return had passed. Makes no sense. 

The return period was in XXXX and I attempted to return in XX/XX/year> and you have all the supporting documentation. I was entitled to return the product and refused by the store. This is the perfect scenario for a dispute, but because it is XXXX you do not care and prefer to help XXXX. 
Customer buys something. Customer is entitled to return. Store refuses return in contradiction to their policy and XXXX XXXX law. Customer opens dispute and should receive a dispute. 

Charge XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, 2023 {$300.00} XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX Card Member : XXXX XXXX
Product: Credit card

I have tried to cancel my Macy 's Card on several occasions. They continue add {$2.00} fees and say the account is open. The balance is {$4.00}. I would pay the {$4.00} but they have shown in the past that they wo n't close the account. This seems very dishonest. Can you help get the account closed and not affect my credit?