23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, 2020 I noticed an alert on my credit file from Jefferson capital systemXX/XX/XXXX wireless. Its a collection saying I owe them {$1000.00}. 
I immediately tried to contact them. I filed a dispute with XX/XX/XXXX the same day of the alert to get it removed from my account. On XXXX/XXXX/2020 the file was only updated. This is not my account. It's taking a toll on my credit score. That's not right. Please help me resolve this matter.
Product: Credit reporting or other personal consumer reports

UPON ME LOOKING AT MY CREDIT REPORTS I NOTICED SOME ACCOUNTS THAT WERE NOT MINES.
Product: Credit reporting or other personal consumer reports

XXXX 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 any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing 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. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was shocked to discover that my credit report has been accessed without my consent. Applications were submitted in my name, and several companies pulled my credit without my authorization. I do not recognize these fraudulent inquiries, nor did I apply for or consent to them in any way. This situation is both alarming and a clear violation of my rights as a consumer. As a law-abiding citizen, its deeply insulting to experience such a breach of privacy and misuse of my personal information.
Product: Credit reporting or other personal consumer reports

I have disputed the accuracy of my bankruptcy information reported by the three major credit bureausTransUnion, XXXX, and XXXXclaiming that the information in my personal credit report is incorrect. Despite filing this dispute, all three bureaus have stated that they have verified the information and found it to be correct. However, none of the bureaus have disclosed the source of the personal information used for verification, nor have they provided the name and contact details of the person who conducted the investigation and reported the information as verified. 

Furthermore, I suspect that all three bureaus are intentionally delaying and avoiding addressing the issue by sending generic response letters. I believe this is because they do not have proper access to my personal credit report and using generic computer generated responses without conducting the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is the only reporting agency that has not corrected the erroneous information. I have never lived at XXXX XXXX XXXX XXXX, Texas XXXX. They need to run DMV records to confirm. Experian claims XXXX and XXXX XXXX XXXX XXXX is reporting this as my address and it is not correct. XXXX and XXXX has investigated and found that I am correct and the address has never been a place of residence for me. experian needs to do the same and remove this info from my personal info. It is against the FCRA to report inaccurate info.
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 are 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 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: Mortgage

XXXX XXXX, 2015 the XXXX area went through a flood for the fourth time in less than ten years. As the residence go through the rebuilding and repair process, we find out that you are not in good hands with XXXX or Greentree Servicing ( Ditech ). 
XXXX insurance company finally released the funds in complete to myself and the mortgage company Greentree Servicing ( Ditech ). The funds have been in the hands of the mortgage company since XXXX XXXX, 2015 and still has not paid anything out. 
XXXX initially promised a check to take care of emergencies now, i.e., to take care of the water heater, furnace, etc. That never happened. They informed me that they should be able to release a check within 7 - 10 business days. Once again it never happened. In good hands is a statement that XXXX should not be using. They did n't take care of any emergency funds. 
After three and a half months none of the repairs have been completed because no funds have been released. All the paperwork has been filed with Greentree ( Ditech ) since XX/XX/XXXX. The mortgage company has made my contractor fill out the same tax paperwork now five times and there is only XXXX possible ways to fill this out. 
Since the flood I have been boiling water to take a bath. As it starts to get colder out now, I 'm having to use space heaters to keep the place warm. I have now stopped paying my mortgage so that I can either move out of have the funds to fix what needs to be fixed. 
On XX/XX/2015, I was called an XXXX by one of the Greentree ( Ditech ) employees for not knowing how to manage my money. I am now getting hang up calls from these people. They call me every day telling me that I owe them, but they do n't want to hear that they owe me for the services that need to be done. 
At this point I am being driven away from my house. I am getting sick from lack of hot water, lack of possibility to get warm, and there is mold growing in the house causing me to cough uncontrollably. 
I have no other options at this point, but to move. My health is now a factor and no funds are coming. How do I possibly get out of this? How can they expect me to stay here with the house in this condition? How can I be getting harassed by this company that wo n't help it 's customers? 
I do n't know what else to do, but move. They have made it so hard on just fixing my house. I 'm completely exhausted. Everytime I call Greentree ( Ditech ) it is over an hour on the phone and if they do n't cut me off, I get treated like I 'm the problem.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX XXXX ( Customer ) purchased merchandise from us and paid via PayPal. The Customer transaction ID is XXXX. In XX/XX/XXXX, Customer reported a problem with the merchandise and was instructed to rern the items for a refund. Inexplicably, Customer opened a chargeback with his credit card company. The chargeback caused Paypal to debit our account in the amount of the purchase- {$82.00}. We explained to Paypal that we'd gladly refund the Customer as soon as they return the merchandise, which to date has not been returned. On XX/XX/XXXX, Paypal closed the case, stating " we can not dispute this transaction any further ... ''. 
So now, were out the money AND the merchandise. 
We ask that PayPal refund the XXXX to our account XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There is several wrong inquiries in my credit report, these unauthorized inquiries are wrong. I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge
Product: Checking or savings account

Mid day XX/XX/XXXX, I went to the gym and my whole bag was stolen from me. My bag had my phone, wallet, ID, Social Security card and more inside. 
After I got home I logged in to lock my account and I seen several charges on my debit card, Credit cards and was told that a loan was applied for in my name. I called and told them I knew nothing about the transactions. Money was being moved around in my account and my account had been compromised. I got a new account and saving, A day later my account is in the negatives. I was told that navy federal took the money out of my account. For what reason I do not know. I dont know why I am being debited for something I did not do when its clearly fraud. I was told to do an appeal and I did that was denied as well and I was told because its similar transactions on my account, Yes its similar transactions on my account because I use mobile wallets and so forth. I had everything taken from me my checks and all. XXXX XXXX released to me that somebody posing as navy federal also moved money around in my account. I should not be faulted for this and I just want my money back that is rightfully mines and that I work for! I have nobody authorization to my account. I had to get a new phone. Cards everything, EVERYTHING WAS TAKEN FROM ME.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX  Office of the Attorney General California Department of Justice XXXX XXXX XXXX XXXX, CA XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute and Request for Correction of Inaccurate Late Payments on Auto Loan Account [ XXXX ] I am writing to bring to your attention a matter of significant concern regarding inaccuracies in my credit report, specifically related to late payments on my auto loan account with XXXX XXXX, identified by account number [ XXXX ]. The inaccuracies have had a detrimental impact on my credit score, and I am seeking your assistance in rectifying this situation.

Description of the Inaccuracies : Upon reviewing my credit report from [ Credit Reporting Agencys ], I discovered that there are inaccuracies in reporting late payments on my auto loan account with XXXX XXXX. The reported late payments are not reflective of my payment history, and I believe they have been erroneously included in my credit report. they report this loan late when i have copies of dated checks sent to the bank for the months they mark as late. the dates are for the months of XXXX and XXXX of XXXX. 

Supporting Documentation : I have attached supporting documentation, including copies of payment records, bank statements, and any correspondence with XXXX XXXX, that clearly demonstrate the accuracy of my payments and the error in reporting late payments.

Request for Immediate Correction : I am formally requesting that the Consumer Financial Protection Bureau, XXXX XXXX, the California Attorney General 's Office, and the XXXX major credit reporting agencies ( XXXX, Experian, and XXXX ) conduct a thorough investigation into this matter and promptly correct the inaccuracies on my credit report.

Legal Precedence : I would like to draw attention to legal precedents where companies have been held accountable for inaccurately reporting information on consumers ' credit reports. One notable example is XXXX XXXX XXXX XXXX. This case highlights the importance of accurate credit reporting and the potential legal consequences for companies that fail to uphold this standard.

Consumer Rights and Protections : As a consumer, I am entitled to fair and accurate credit reporting under the Fair Credit Reporting Act ( FCRA ). I believe that the reported inaccuracies violate my rights under this federal law.

Request for Confirmation : I kindly request written confirmation from XXXX XXXX once the corrections have been made and the accurate information has been updated on my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please feel free to contact me at XXXX or XXXX if additional information is required. 

Thank you for your assistance in rectifying this situation and ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

In XXXX 2017, I received a letter from AMCOL Systems dated XXXX XXXX, 2017 for an account placed in their office for {$150.00}. I immediately responded by certified mail dated XXXX XXXX, 2017, delivered XXXX XXXX,2017 XXXX XXXX requesting validation of debt as I am certain I have never done business with AMCOL Systems and also requested that all attempts to collect this alleged debt be made in writing.I did not receive a response. In XXXX 2017, I received another notice dated XXXX XXXX, 2017. The balance due on this letter indicated {$60.00}. I promptly responded via certified mail dated XXXX XXXX, 2017 delivered XXXX XXXX, 2017 at XXXX.In this letter I reiterated that I do not owe this company any money as I have never heard of them prior to the first letter. I requested proper debt validation under the Texas Finance Code. I received a statement of bill from XXXX XXXX XXXX for {$60.00} dated XXXX XXXX, 2017. The patient listed was NOT me. I responded again via certified mail dated XXXX XXXX, 2017 delivered XXXX XXXX, 2017 at XXXX advising that the documentation provided does not validate that I owe this company money. I never heard back from AMCOL Systems. On XXXX XXXX, 2017, I received an alert from my credit monitoring service that AMCOL Systems placed XXXX collection accounts on my credit file! I am not only livid that this company has failed to provide proper validation, they have violated my rights. This company has made multiple phone calls after being advised to communicate in writing. Between XXXX 2017 and XXXX 2017, this company has called me a total of 62 times. I have recorded the date and time of these calls which I will use to pursue legal action if necessary as well as copy of phone records to prove the violation.
Product: Student loan

NAVIENT TOOK ABOUT EXTRA {$110.00} WITH RESPECT TO THEIR OWN MAILED INVOICE AUTOMATICALLY FROM MY CHECKING ACCOUNT, " SINCE XX/XX/2014 ''. THEY REFUSED TO REFUND THAT MONEY TO ME. I WROTE TO THEIR CEO AND GOT NO ANSWER. THIS IS A FRAUD. NAVIENT ALSO REPORTED 60/150 DAYS DELINQUENT IN FROM ONE LOAN PROGRAM TO ANOTHER LOAN PROGRAMONE STUDENT LOAN. NAVIENT ALSO REPORTED 90 DAYS DELINQUENT FOR CHANGING FROM ONE LOAN PROGRAM TO ANOTHER LOAN PROGRAM
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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On or about XX/XX/XXXX, I asked my bank manager at the 5th 3rd branch in XXXX, MI. to perform a wire transfer to a vendor of mine in XXXX, XXXX. The bank had performed this exact task in the past, with only 1 issue previously. I was not present in the branch at the time of the transfer, and felt comfortable with that because the branch manager was handling the transaction personally and said she could just pull all the information from a previous wire. The monies were never delivered to the vendors bank in XXXX. The wire was for XXXX when the money was not available the following week, both my vendor in XXXX and I began asking the banks where the money was? no one had any answers. I never received any kind of receipt from the bank manager for the wire. when i asked her to send my the info she used it was a receipt from XXXX of XXXX. The bank in XXXX said it looked like there were missing numbers for the intercam bank, according to my vendor. The bank manager that handled the original transaction said she emailed someone and there was no response, she said they attempted to recall the wire, and got no response. then in mid XXXX she finally told me there was nothing more she could do, and I wouldn't be getting my money back. No one knows where my money went, and the bank never made it seem like it was even a possibility my money wouldn't make it to its destination. The bank charged me for a service, then lost my money, and refused to take responsibility for the results. How is this in any way shape or form my liability?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to request your assistance in resolving an issue regarding inaccurate information on my credit report. I have reviewed my credit report and found that there are inquiries, late payments, and collections listed that are in breach of the Fair Credit Reporting Act, specifically 15 U.S.C 1681.

The aforementioned information is in breach of the Contract of reporting act as it is incorrect, unjustified, and a defamation of character. Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions. I have not authorized these inquiries, late payments, and collections, and they do not reflect my financial history accurately. Therefore, I kindly requested that these items be removed from my credit report.

Due to these inquiries, and negative reporting have not been able to obtain housing which has been detrimental to my livelihood. Credit Reporting Act 15 U.S.C 1681 states that there should not be any damaging information on my credit report. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX  Account XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States I have rights to privacy.

15 U.S.C. 1681 section 604 A Section 2. If also States a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I signed up for a retirement fund through JPMorgan Chase in XXXX. Bi-weekly allotments were transferred to Chase directly from my salary from XXXX. I called JPMorgan Chase in XXXXXXXX XXXX XXXX for account balance and/or account verification. 

I was told that there was no information in their system under my name or social security number .After I insisted that I had been depositing funds into a retirement account the Customer Service Rep became very hostile and rude, he insisted there was no record of an account in my name. 

I have documentation of each payment made from my salary to JPMorgan Chase from XXXX. Of which I will provide for review and verification. I also have a copy of the transaction history form verifying the date that I discontinued payments to Chase on XX/XX/XXXX. Please review attachments. 

Please see " XXXX XXXX '' amounts reflected range from {$92.00} - {$120.00}, XXXX XXXX. I have included earnings and leave statements that reflect the first and last payments of the year, for each year beginning in XXXX.