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

XXXX account from XX/XX/XXXX has been reopened and reported on credit report. After checking court docket for case - please find attached case believed to be reported. Wrong name/ amount / wrong address. This is not my debt. Case Summary Jefferson Capital Systems , LLC v. XXXX XXXX Case Number XXXX Court Washington Superior Court Type CC - Civil Collection Filed XX/XX/XXXX Status XX/XX/XXXX, Decided Parties to the Case Show all party details Defendant XXXX, XXXX XXXX Jefferson Capital Systems , LLC Chronological Case Summary XX/XX/XXXX Case Opened as a New Filing XX/XX/XXXX Appearance Filed Attorney : XXXX, XXXX XXXX For XXXX : Jefferson Capital Systems , LLC File Stamp : XX/XX/XXXX XX/XX/XXXX Complaint/Equivalent Pleading Filed Against : XXXX, XXXX Filed By : Jefferson Capital Systems , LLC File Stamp : XXXX/XXXX/XXXX XXXX/XXXX/XXXX Service Issued by XXXX ( electronic receipt requested ) Serve To : XXXX, XXXX XX/XX/XXXX Service Returned Served Certified mail accepted. Party Served : XXXX, XXXX Date Served : XX/XX/XXXX XX/XX/XXXX Motion for Default Judgment Filed Motion for Default Judgment and Affidavit as to Military Service, Age and Competency Regarding XXXX XXXX filed. Filed By : XXXX, XXXX XXXX File Stamp : XX/XX/XXXX XX/XX/XXXX Affidavit Filed Affidavit of Debt and Affidavit of Non-Military Status filed. Filed By : XXXX, XXXX XXXX File Date : XX/XX/XXXX XX/XX/XXXX Order Granting Motion for Default Judgment RJO Served : XXXX, XXXX XXXX Served : XXXX, XXXX XXXX Signed : XX/XX/XXXX XX/XX/XXXX Default Judgment entered Judicial Officer XXXX, XXXX, XXXX. Monetary Award : Judgment : {$510.00} ; Status : Active ; Signed Date : XX/XX/XXXX Awarded to : Jefferson Capital Systems , LLC Awarded against : XXXX XXXX Judgment Book : XXXX, Page XXXX XX/XX/XXXX Automated Paper Notice Issued to Parties Order Granting Motion for Default Judgment -- -- XX/XX/XXXX : XXXX XXXX XX/XX/XXXX Automated ENotice Issued to Parties Order Granting Motion for Default Judgment -- -- XX/XX/XXXX : XXXX XXXX XXXX Financial Information Financial Balances reflected are current representations of transactions processed by the Clerks Office. Please note that any balance due does not reflect interest that has accrued if applicable since the last payment. For questions/concerns regarding balances shown, please contact the Clerks Office. XXXX, XXXX Defendant Balance Due ( as of XX/XX/XXXX ) XXXX Charge Summary Description Amount Credit Payment Restitution XXXX XXXX XXXX Transaction Summary Date Description Amount XX/XX/XXXX Transaction Assessment XXXX Jefferson Capital Systems , LLC Plaintiff Balance Due ( as of XX/XX/XXXX ) XXXX Charge Summary Description Amount Credit Payment Court Costs and Filing Fees XXXX XXXX XXXX Transaction Summary Date Description Amount XX/XX/XXXX Transaction Assessment XXXX XX/XX/XXXX Mail Payment ( XXXX )
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Debt collection

They did report my debt to credit Bureaus without investigation, It made horrible impact in my credit history and I lost loan that I was working for while! 
They found out amount of debt was not correct!! So they changed bill but they never send me new bill until XX/XX/XXXX and I paid same date
Product: Debt collection

On XX/XX/XXXX, in a conference call with myself and the insurance provider, XXXXXXXX XXXX became aware that the fraudulent insurance claim they submitted was not eligible for payment and they agreed to stop trying to collect any more money for this {$18000.00} bill for services not provided and refund the {$13000.00} that was collected on this charge. After time had passed and I did not get a check, I called back on in XXXX and the patient accounts lead confirmed that she had forwarded this account to legal and that they should have drafted the refund by now, but she did not know why they didn't and didn't have a time frame. After this, legal sent a gag letter saying we were not allowed to call and that we would have to submit more communication in writing. We did submit more than one certified letter after this and they never responded. They did not respond to the state consumer protection complaint either. They submitted bills for services in XX/XX/XXXX and we disputed the bills because they still owed a refund via certified mail and the dispute was not acknowleged or responded to. We sent written follow up in the medical chart as well and it was not responded to other than saying " we aren't allowed to respond to you '', and then 2 more letters were sent with no response. Then we recieved a notice from a collection agency for the debt and we sent them a certified mail dispute and this collection agency did not acknowlege or respond to the dispute either. The collection agency is IC System with reference number XXXX and the dispute was sent with tracking USPS XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Upon review of my credit file I found the following inquiries that were not authorized by me and were made without my knowledge or approval. I request that the creditor remove these from my credit file. Inquiry dates are : XX/XX/year>, XX/XX/year> for XXXX XXXX XXXX ; XX/XX/year> and XX/XX/year> for XXXX  XXXX  XXXX ; and XX/XX/year> for XXXX XXXX XXXX. I have attached a copy of the identity theft police report to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The motorcycle was stolen shortly after it was purchased. I had full coverage and the insurance covered all costs associated with the theft of the motorcycle. There is no outstanding balance to report and consequently there is nothing to chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a corporate small business XXXX XXXX without a personal guarantee. Due to covid-19, I have been unable to pay the bill. We are a mom and pop travel agency with 98 reduction in sales since XX/XX/2020. The business card is reporting late to my personal credit report, resulting in my credit report dropping 80 points. My card has never been late prior and the fact that i can not pay is not my fault. It is completely due to the cessation of leisure travel and suspension of all cruises and tours. They should not be reporting this business account to my personal account and it should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX5 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Report : XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

repeatedly have asked for debt validation this has been put on my credit report Tx has a statue of limitation law
Product: Debt collection

R R resource company continues to report a debt that does not belong to me on my credit. I have sent numerous letters for them to correct this and refuse. The original creditor will not even respond to my letters. This is a account for a ambulance service that I never used. I never was in a ambulance during that year nor was my children. We have never had a lapse in health care coverage in 15 years as well. During the time the are reporting as well. I have asked for documentation to prove the basis of the debt and I get nothing but a bill from the creditor. If this was a service we would have used it would have been billed to our insurance. But we did not use the service at all so this doesnt apply.
Product: Credit reporting or other personal consumer reports

Someone applied for a XXXX credit Card using my social security number. I NEVER applied for it on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordings What the fair credit reporting act The list below of accounts has violated federally protection consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX BANK Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX XXXX USC 1681 section 602 A states I have the roughy to privacy.15 U.S.C 1681 section 604 section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer containing any of the following item of information any other adverse items of information other than record by conviction of crimes which antecedents the reporting by more than seven years.

15 USC 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 in information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a letter that I sent to the credit bureaus back in XX/XX/XXXX. I had asked them to investigate and correct errors that appeared on my credit report. They have not responded yet. I've also sent follow-up letters that have also been ignored. They were supposed to respond in 30 days, and its been nearly 4 months now.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, my partner and I applied for a used-car loan from XXXX XXXX XXXX The requested loan amount was about one-third of the purchase price and our ( as reported to us ) credit ratings were XXXX and XXXX, so we anticipated a quick approval of a loan whose monthly payment would likely be {$130.00}. XXXX did respond promptly, but rejected our application. They cited three reasons, XXXX of which we knew to be false : ( XXXX ) Wage XXXX XXXX or Bankruptcy; and ( XXXX ) Insufficient credit history. For the record, my partner and I have never been subject to Bankruptcy proceedings or ever involved with any kind of debt forbearance plan. We are retired former bankers in our XXXX with long credit histories including XXXX credit cards, home and co-op mortgages/loans and multiple automobile purchases. Thinking XXXX Bank had been supplied incorrect credit information by Experian which resulted in our rejection, I immediately filed an identical application with my primary bank, XXXX XXXX, for the same loan. Within minutes, we were approved by XXXX -- on somewhat better terms than available from XXXX Bank. I then reached out to both XXXX Bank and Experian to get our declination removed from our credit files -- where I was told it would remain until XX/XX/XXXX under a federal regulation. XXXX personnel said they were only acting on information provided by Experian and could not alter their decision or remove the record from our credit files. They sent me to Experian, where I spoke to two representatives. Neither would consider removing the declination from our credit records, although the latter did call up my credit file and acknowledged there were no mentions of bankruptcy or forbearance plans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive a=contacted experian on multiple time about the inaccurate of my credit report. 
I even screen shot the information on my credit report and compared it to the other credit bureau and ofcourse there are multiple inaccuracy and voilatiopns.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Title 15 U.S.C 1681 FCRA Need these inquiries Removed ASAP in 15 Days and a credit report. Federal Law States that you have 30 days to complete your re investigation. Be advised that the description of the procedure used to determine the accuracy and completion is 15 days
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXXXXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights XXXXXXXX XXXX XXXX  XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX has violated my rights. 
XXXXXXXX XXXX XXXX  XXXX has violated my rights. 
XXXXXXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
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 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 antedsates 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: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX  Account # : XXXX. Delete XXXX FOR REPORTING AN ACCURACIE. previously disputed account. During the investigation XXXX followed the rules and DELETED the account. XXXX and Experian did not and are in current violation of my rights! XXXX and Experian, did not complete the investigation in the allotted time of 30 days, I sent a CFPB COMPLAINT and they still did not delete it in the allotted time this is HARMING me and it is {$1000.00} violation from each company, respectively. In addition to that they are not reporting the same information which is a VIOLATION in itself because everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. 1. ) Date of last active illegal {$1000.00} violation XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX See Red marks on Attached. 2. ) In a separate dispute I demanded they prove proof of payment for the month of XX/XX/XXXX which they are reporting on the Experian as OK which is inaccurate which is grounds for the entire account to be deleted I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than 30 days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from your company. Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. - I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in XXXX as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report shown in Exhibit A for Capital One Account number XXXX. This is a violation of XXXX XXXX XXXX XXXX ( XXXX ) ( B ) and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review the attached documentation. I was a litigant in a class action lawsuit against Early Warning and received a settlement payment for Early Warning reporting inaccurate and incorrect information on my consumer report # : XXXX. Early Warning continues to report fraudulent information on my Early Warning Consumer Report. All the information of bank checking accounts listed on my consumer report is fraudulent information. I have never ever had a checking account in my entire life. Its all fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX made a late payment report to all credit bureaus in XX/XX/2019 

XX/XX/2019 : Called at XXXX and talked with an agent by the name of XXXX to submit a payment extension for the month of XXXX XXXXXX/XX/2019 with the promise of payment date forXX/XX/2019. 

XX/XX/2019 : Talked with yet another agent XXXX XXXX XXXX and he sent yet another document for me to sign electronically. 

XX/XX/2019 : Talked with agent XXXX and confirmed that the second document was signed and received on XX/XX/XXXX and had been approved but due failures within their system that reflected 2 documents signed for the same reason, I had yet to sign another one, making a third document signed in les then a month. 

XX/XX/2019: payment for {$700.00} was made in agreement with the extension. 

I have audio recordings with a supervisor accepting and apologizing for this issue and the mess it made within their own system. 

When I called XXXX XXXX to get it all clear, they said that at this point I have to submit dispute to Credit Bureaus. 
Its been 2 years dealing with the bureaus to correct this error, this is not my doing, not my fault.at all. 

I suffered a great deal of inconveniences and much damage to my credit record and score, even hired a credit repair company and to this day sill unresolved and I find myself in a bind and in much need to refinance the loan to help with the situation Without a doubt disturbing and a pebble in my shoe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Burea XXXX XXXX stated that Lexis nexis verified the bankruptcy with the courts but per the letter I received from the courts that 's not true
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX XXXX  - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

Please Remove the mentioned Hard inquiries from my credit report as they are not mine and are fraudulent as well there is an address that i do not recognize. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not recognized by me XXXXXXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX  inquired on XXXX or XXXX In Transunion is XXXX in XXXX XXXX XXXX
Product: Credit card or prepaid card

Chime bank charged me {$650.00} for transferring money from checking to credit builder account. They say that they don't charge hidden fees.