23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX my sister called to inform me that she was contacted by a debt collector on my behalf. After calling the number provided i was informed by a woman named XXXX XXXX that i was to be sued for a negligent account from wells fargo from XXXX. If i were to pay now, a sum of {$1300.00} over payments of {$200.00} a month, i could settle the case and not be prosecuted legally. I signed a form they submitted me via docusign. 

I agreed to sign the paper. I now suspect i was lied to. I submitted the document with my signature and provided my debit card information to be charged monthly until the debt is resolved. I have so far paid {$250.00} to this " debt collector '' but now suspect i am being scammed. After doing some research into the company, i am now confident in making this report and identifying these collectors as criminals. The letter head of the document reads : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Ca XXXX XXXX I will be calling this " XXXX XXXX '' at XXXX XXXX XXXX  XXXX to inform them of my filed complaint.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I tried to resolve the issue with Jcp MasterCard several times via phone, to no avail. I got a cash advance charge to my credit account on : XXXX & XXXX. Due to XXXX XXXX purchases that were made using the card. I immediately disputed the charge because I never took any cash advance. Once I got the paperwork From JCP it appears that this is a standard policy. One of which I was never made aware. 


I had no idea a XXXX  would lead to these fees & never agreed to pay a cash advance fee for such transaction. XXXX gives a warning of the 3 % fee prior to submitting each one. I have no issues with that fee. I use XXXX all the time with my other major credit cards & have never had this issue. These instances happened when i was Waiting on a replacement visa card that I use daily Theres normally a 3 % fee for the transactions on XXXX & thats it. Again, I have no issue there. XXXX is fairly new & if JCPs terms were changed, consumers should have been given notice ASAP. 


I do not believe these fees are fair, nor can i afford to pay them. Ive had an excellent payment history & never made any cash as advances in the past. This can be verified.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

I have never had an account with XXXXXXXX XXXX ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to address the lack of response to my previous notice regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX  XXXX XXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX  XXXX XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify Experian, XXXX, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXX XXXX XXXX XXXX As per IRS regulations , a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the Creditor XXXX  XXXX XXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't moved in 15 years and own my condo. So last month Navient XXXX XXXX contacted me about payment due. Then they then stated the address they have on file is one I never lived at before!! Oddly I worked on that block over XXXX years ago. This is shocking and unbelievable they invented a new address and reported this misinformation to the credit bureaus! And Navient is refusing to correct this false information having a negative impact on my credit report.
Product: Credit card or prepaid card

On XX/XX/19 I lost my Chase XXXX debit card and it was fraudulently used at XXXX XXXX for {$950.00}. Once I noticed that my card was used I immediately called Chase to report the fraudulent transaction. During my initial call I stated that I had my card because I confused it with my mothers same FADED XXXX XXXX XXXX debit card. I then noticed that I did not have my card and that it was indeed lost I called to update Chase fraud department. I then filed a police report. Once the claim was settled I was placed at fault due to my Initial claim even though I called several times after to update the claim. I do not feel that I should be at fault because my card was ultimately lost and used without my permission.
Product: Credit reporting or other personal consumer reports

It is XXXX  amounts of inquiries on my credit report I did not authorize and I have reported identity theft claims and have called in to equifax as well XXXX  times I asked for these inquiries to be promptly answered and and removed from my credit report please. These inquiries I did not authorize on my Equifax report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these inquiries did I authorize on my equifax report this is all fraudulent activity and again I asked for it to be please removed and my credit report be updated please.
Product: Credit reporting

Submitted to trans union on line and in writing on more than one occasion that my credit was pulled in error on XXXX/XXXX/XXXX by various automobile financing companies. I provided them with information that would help resolve the matter. XXXX XXXX, general manage at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AL XXXX, XXXX spoke with each of the bureaus when this began last year. Each told him I would have to dispute with them. I did, I was told on each occasion that I would need to contact the companies directly. If trans union had contacted XXXX XXXX, he would have verified this was indeed done in error and they could have removed the items. They failed to do this. I checked failed to get proper notice since none of the options were exactly what happened. They failed to investigate at all.
Product: Credit reporting or other personal consumer reports

Good afternoon, I am writing through the CFPB because, despite my initial letter to the three bureaus on XX/XX/XXXX, I have never received the report or outcome of the investigation. Because of this, along with the fact that I do not recognize any of the accounts in my report, I am asking for a new investigation. 
I received a copy of my consumer report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. 
In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. 
Information on the consumer report must maintain Maximum Possible Accuracy. 
Accuracy means- correct in all details ; exact 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The details of the accounts are inaccurate, they are not exact in details and amounts. 

( XXXXExperian & XXXX ) XXXX shall comply with the FCRA 15 USC 1681 YOU ARE SUPPOSED NOTIFY ME AND YOU FAILED TO DO SO!!!!!!!

( 6 ) NOTICE OF RESULTS OF REINVESTIGATION ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
DELETE THESE INACCURATE AND INCOMPLETE!! ACCOUNTS FROM MY CONSUMER FILE
Product: Student loan

I have set up direct deposit two times online since forbearance was taken away. My account keeps saying I owe no payments. I keep calling and I can not get a hold of someone. 

No intrest in accruing. I'd like to start my payments, but it won't allow me.
Product: Debt collection

COLLECTOR FAILED TO VALIDATE, CEASE AND DESIST AND SKIP TRACED FAMILY MEMBERS AFTER HOURS IN VIOLATION OF TCPA. skip tracer : XXXX at XXXX see attached records and vioce.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

On XXXX XXXX2025 I recieved my direct of {$810.00} deposit into capital one bank however I have not reiceved the actual funds into my bank meaning I do not have access to it and I have several pending charges that unfortunately will be over drafted and charged more if I do not make these payment. It has been more than 48 hrs and still have not recieved my money.
Product: Credit reporting

I had a card with XXXX closed acct to open a XXXX rewards acct, had issues when trying to use card got so upset I cancelled and paid off. A XXXX card was opened ( not by me ) and I refuse to pay something not mine. XXXX sent me a letter, when I wanted proof of card and charges, telling me it was personal and confidential information. They sent a piece of psper also that was suppose to be an online conversation between me and them that states I have an XXXX ( which I do n't ) and that I was verbal ( which I was n't ) the conversation does n't even have an origination, ( from an email, phone etc ). How can they tell me it is personal and confidential if it concerns me???? I furnished info via mail to credit bureaus XXXX deleted it, XXXX is still investigating, and experian said they updated but it is still there and nothing has changed, it is not mine, I want it removed. I have sent XXXX certified letters to XXXX for proof of debt and I get nothing, I paid anything I owed XXXX and I want them to remove this XXXX fraudulent account. I ca n't upload anything but whatever you require by mail I will send.
Product: Debt collection

This complaint is regard to false inaccurate erroneous information on my credit report. XXXX XXXX has been reporting this false information on my credit account since XX/XX/2018. I reviewed my credit report and noticed the amount that they claim is owed has changed several times from {$1100.00} to current {$1300.00}. I have been in contact with the original creditor and they are not able to provide me with any records on why any balance is on my account or the reason a balance is going up. 
This debt is not mine. Also I did not receive any notification of any debt being added to my credit profile which from my understanding is illegal. 

I have spoken with representatives at XXXX recovery on several different occasions due to them harassing me over this alleged debt. They have not been able to provide me with any breakdown of fees, deposits or pictures of any alleged claims for an account. I have spoke with XXXX XXXX, XXXX and as well XXXX XXXX just to name a few. 
Each call ends with them either hanging up due to them not being able to verify any info or long wait times. These communications have been made over the course of three years too long.If they are not able to provide these things then they should not be legally able to collect. 

I have disputed this information with the major credit companies and this false account has been removed from each except Transunion. They claim this is a valid account but are not able to provide with any validation such as records, price breakdown or fees. 

This account is affecting me in many ways. My next steps is a lawsuit for deformation and reporting false information. Please remove XXXX XXXX Collections from my accounts.
Product: Debt collection

I receive mail from Spring Oaks Capital LLC a debt collector for XXXXXXXX XXXX XXXX I notice on my credit report that I have no balance for this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This violation of the XXXX XXXX XXXX XXXX Section XXXXb ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and prove me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section XXXX.
Product: Checking or savings account

On XX/XX/XXXX I filed a dispute totaling $ XXXX charges that weren't mine. 3 days later I received an email stating that the dispute was denied and with absolutely no reasoning. I contacted customer service and asked why the claim was denied and the lady couldn't tell me because there was no reasoning provided. Chime claims that they put in a rebuttal for that claim and the very next day I received another email stating that the rebuttal was denied as well with no reasoning! Again today XX/XX/XXXX I received an email stating my card was denied and I didn't know why because I didn't try to use it! I went onto my chime account to see once again the same company drained my chime account! So k contacted customer service again and spoke to someone who claimed she was a supervisor, she told me she filed another rebuttal for the first claim I filed that was {$2200.00} and another claim for the newer charges totaling {$1000.00}! This is twice now my account has been freaking drained and I am left with absolutely no money nor can I get a straight answer from these people.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Upon reviewing my credit report. I noticed 2 separate XXXX XXXX XXXX fraudulently using my name. 


XXXX balance : {$1700.00} XXXX balance : {$3000.00} Both accounts opened : XX/XX/XXXX When trying to access the account, the user name email is unrecognizable and not mine. 

The fraudulent account email is a XXXX XXXX XXXX 

My Only email is associated with XXXX. 


I have submitted a filed complaint to the Federal student aid.gov website & Experian credit Bureau XXXX # XXXX I am currently waiting for inquiry and response.
Product: Debt collection

This is on my credit and I did not make this debt. My Id and other info was stolen about the time this debt was made. I do n't drive and no one would have took me this far away to a hospital.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2020 TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX