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

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has led me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached XXXX XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
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 accounts ( A ). It is not permitted to report these accounts 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 XXXXXXXX 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

This is wrong! I never signed any contract with these accounts. This is a mistake reporting. I don't know about this account.
Product: Debt collection

I got a few text message from XXXX XXXX, a debt collector regarding XXXX XXXX XXXX  XXXX XXXX XXXX - for which the current creditor is Jefferson Capital Systems LLC . They want me to click on a link. However, I believe this is a scam. 
My credit report has been frozen for years and this is not showing on my credit report. 

I did unsubscribe Online I see several complaints from other consumers claiming they don't have this debit, but they try to bully people into paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Mailed Certified letter I am writing regarding the unpaid debt on the derogatory account listed above, which I dispute and attempt to correct your records. By sending this letter, I am disputing both the validity of the alleged debt and the validity of your claims. Please be aware that any information I receive from you will be collected as evidence should any further action be necessary. Please also be advised that non-compliance with my demands could put your company in serious legal trouble. 
According to the FDCPA, I have the right to request validation of the alleged debt or competent evidence that bears my signature and shows I have some contractual obligation to pay your company. 
Thereby DEMAND that your company will provide me " under penalty of perjury '' with the following verified documentary evidence of alleged debt Please provide at least the following information within 30 days from the date of your receipt of this request for validation : 1. Please provide a verified copy both front and back of the alleged original contract/agreement / promissory note in its entirety, including any application, accompanied by a commercial affidavit, sworn to be true, correct, and complete, upon the commercial liability of a property identified and authorized officer, employee, or agent of the alleged creditor who states that heishe has personal first-hand knowledge that said front and back verified copy is that of the original alleged contract/agreement / promissory note ; 2. Provide verification and documentation that there is a valid basis for your firm 's charge-off of the alleged debt. For example, can you provide a copy of the written agreement that created the requirement to pay and stipulates your terms for a delinquent account? 
3. Please describe in detail your firm 's charge-off procedures as they apply under the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Reporting Violation of FCRA & FDCPA Dear [ Credit Bureau Name ], I am writing to formally dispute the inaccurate and unlawful reporting of an account from XXXX XXXX XXXX on my credit report. The information being reported violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. As such, I am demanding its immediate correction or deletion from my credit file. 
Disputed Account Information : Creditor Name : XXXX XXXX Account Number : [ Your Account Number ] Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance Reported : {$4400.00} Current Status : Charge-Off / Profit & Loss Write-Off FCRA & FDCPA Violations Identified : 1. Incorrect Charge-Off Reporting : The account is marked as a charge-off but still shows a balance owed ( {$4400.00} ). A charge-off is an accounting action, meaning the original creditor can not continue reporting a balance unless they still own the debt. 
Demand : Provide full validation of ownership of this debt or delete this account immediately. 

2. Illegal Late Payments After Charge-Off ( FCRA 15 U.S.C. 1681s-2 ) : Late payments are being reported after the charge-off date ( XX/XX/XXXX ), which is illegal. A charge-off means the creditor closed the account, so continued late payment updates are a material misrepresentation. 
Demand : Delete all reported late payments following XX/XX/XXXX. 

XXXX. Possible Re-Aging of the Debt ( FCRA 605 ( c ) ) : The Date of First Delinquency ( DOFD ) is critical in determining the XXXX reporting period. If XXXX has re-aged this account to make it stay on my report longer, this is a violation of federal law. 
Demand : Provide the original DOFD or immediately remove this account. 

4. Failure to Validate Debt Under FDCPA 15 U.S.C. 1692g : XXXX XXXX must provide a full accounting of this debt, including a signed contract, complete payment history, and proof that they have the legal right to report this account. 
Demand : Provide validation within 30 days or delete this account for failure to validate. 

5. No Permissible Purpose Under FCRA 1681b : As a joint borrower, if I was released from financial responsibility or if the loan was settled, XXXX XXXX not have a permissible purpose to report this account. 
Demand : Provide documentation proving my continued liability or remove the account immediately. 

Action Required : Under FCRA 611, you are required to conduct a full investigation and respond within 30 days. If this account is not fully verified with proper documentation, it must be deleted from my credit report.

Failure to comply with my request may result in legal action and a formal complaint to the CFPB, FTC, and State Attorney Generals Office. 

Please provide a written confirmation of deletion or correction sent to my address above. 

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

I XXXX XXXX XXXX, XXXX # XXXX. XXXX # XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA $ 605B ( 15 U.S.C. & 1681c-2 ) that you. The XXXX and XXXX credit reporting agencies, block information on my consumer credit that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 1 inquiry ( XXXX XXXX XXXX ). Opened XX/XX/XXXX. A collection account ( XXXX XXXX XXXX ). A cellphone account opened XX/XX/XXXX with a balance of {$1300.00}. A collection account ( NATIONAL CREDIT AUDIT CO ) Opened XX/XX/XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer fraudulent credit report. I have attached a list of hard inquiries and collections in question. The aforementioned inquiries and collection accounts appearing on my consumer credit report maintained by you were not opened, made or initiated by me. They are all a result of identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX, # XXXX, # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collections also hard inquiries are a result of identity theft and fraud.
Product: Checking or savings account

After i made my disputes and provided the necessary documents requested the next thing i know my account was locked and said was closing couldnt even log in to unlock my card to get my funds
Product: Mortgage

We fell behind in our mortgage and have been trying to get caught up with the mortgage. We will call and set up a payment plan with the company, and then they send back our payment as we agreed upon. This is the XXXX time they have done this. We have the manager recorded with our verbal agreement and now we have gotten a XXXX check for a payment and a half to get caught up as agreed upon mailed back to us and NOW they are requiring us to send them certified funds, which has never been required before and we have NEVER bounced a check with them. I have called and requested to speak directly with the same supervisor, XXXX from the South Dakota office. She has not returned my call as of yet. This process has gotten very frustrating and they are creating more and more late fees by continually mailing back our payments in an attempt to reach our goal of getting the mortgage caught up. The right hand does n't know what the left hand is doing and they are in breach of their own verbal agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates : XXXX Original Dispute Letter Sent / XXXX Follow-up Letter Sent Summary : This compliant surrounds all three credit reporting agencies ( XXXX, XXXX  and Experian ) non-compliance with federal guidelines. I disputed inaccurate information on my credit report on XXXX. There was a total of 4 issues disputed, with 1 being fully addressed/removed due to inaccurate information. As a follow-up to the original communication, a second communication was provided for action on XXXX. 

To date my disputes approach the 90 mark. There has been no response from XXXX, XXXX or Experian. Clearly, the have circumvented federal guidelines with no action take or corresponding communication to address my disputes. Lastly, I understand the challenges from an operational perspective due to COVID-19.

However, the challenges do not circumvent federal guidelines and or laws. All 3 CRA 's have had more than enough reasonable time to address my issues at or beyond 90 days.
Product: Credit reporting or other personal consumer reports

I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : Account Name : XXXX  Account Number : XXXX
Product: Debt collection

This was recently put on my credit, I have no knowledge of it and cant get in contact with anyone about it! I have reached out several times and no one could tell me anything or answer a call! I dont know what else to do!
Product: Debt collection

ON XX/XX/XXXX COUCH AND LAMBERT LAWYER THAT IS REPRESENTING XXXX XXXX  TOOK XXXX XXXX TO COURT TO COLLECT {$5100.00} FOR A CREDIT CARD DEBT. XXXX XXXX QUESTIONED THE AMOUNT CONSIDERING THE CONSUMER FINANCIAL PROTECTION BUREAU PREVIOUSLY WON A LAWSUIT AGAINST XXXX BANK FOR VIOLATING THE TRUTH AND LENDING ACT AND SECTION 1026.59 ( a ) OF REGULATION Z. 
XXXX BANK FAILED TO RE EVALUATE AND REDUCE THE APRS FOR CERTAIN CONSUMERS CREDIT CARD ACCTS, WHICH RESULTED IN OVERCHARGES TO THE CONSUMERS. WHICH IS A VIOLATION OF 15 USC 1665. XXXX BANK FAILED TO REVIEW XXXX XXXX 'S ACCOUNT TO ASSESS WHETHER THE INTEREST RATE WAS CORRECT. XXXX XXXX IS AN AFFECTED CONSUMER OF XXXX BANK NEGLEGENT AND FRAUDULENT TACTICS. XXXX BANK SUED XXXX XXXX FOR AN INCORRECT AMOUNT. XXXX BANK FAILED TO PROVE TO XXXX XXXX THAT {$5100.00} WAS OWED.COUCH AND LAMBERT PRESENTED TWO STATEMENTS IN COURT ONE STATEMENT WAS FROM XXXX AND IT STATED THAT XXXX XXXX OWED {$190.00} WITH A CREDIT LIMIT OF {$2000.00} AND THE OTHER STATEMENT THAT WAS PRESENTED WAS IN XX/XX/XXXX WITH A BALANCE OF {$4400.00} WITH A CREDIT LIMIT OF {$4.00}, OOO. STATEMENTS THAT XXXX BANK PRESENTED IN COURT DIDNT EVEN HAVE THE CORRECT AMOUNT THEY WAS TRYING TO COLLECT. XXXX XXXX IN XXXX TENNESSEE DIDNT EVEN LOOK AT THE STATEMENTS, BUT GRANTED XXXX BANK THE JUDGEMENT. XXXX XXXX QUESTIONED THE INTEREST THAT WAS CHARGED AND THE AMOUNT. THE LAWYER FROM COUCH AND LAMBERT COULD NOT EVEN CALCULATE THE CHARGES. XXXX XXXX LET THE LAWYER GET AWAY WITH NOT CALCULATING THE CORRECT AMOUNT BUT INSTEAD WAS BIAS AGAINST XXXX XXXX AND INSTRUCTED ME TO PAY MONEY THAT IS NOT OWED... ACCORDING TO CFPB XXXX BANK IS SUPPOSE TO PAY RESTITUTION TO APPROXIMATELY XXXX XXXX AFFECTED CONSUMERS ACCTS. AND THE REDRESS PLAN IS THAT XXXX BANK MUST MAIL A BANK CHECK OR ISSUE CREDIT TO EACH AFFECTED CONSUMER, AND ACCTS THAT WAS CHARGED OFF. XXXX BANK WAS SUPPOSE TO APPLY THE REDRESS AMOUNT, INSTEAD XXXX BANK HIRED COUCH AND LAMBERT TO HARRASS XXXX XXXX BY TAKING ME BACK AND FORTH TO COURT AND NOT PROVING XXXX XXXX OWE XXXX BANK {$5100.00}. THE STATEMENTS THAT COUCH AND LAMBERT MAILED OUT TO XXXX XXXX SHOWED HOW XXXX BANK CHARGED INCORRECT INTEREST AND FEES EVEN BEFORE THE TIME THE PROMOTIONAL NO INTEREST SAME AS CASH PEROIOD HAD EVEN ENDED.I UPLOADED THREE STATEMENTS, THE FIRST TWO IS THE STATEMENTS COUCH AND LAMBERT PROVIDED IN COURT. AND THE THIRD STATEMENT IS ONE OF THE STATEMENTS THAT WAS MAILED TO XXXX XXXX WHICH I CIRCLED SHOWING HOW XXXX BANK STARTED CHARGING ME INTEREST EVEN BEFORE THE PROMOTIONAL PERIOD HAD ENDED. I ALSO HAVE OTHER STATEMENTS THAT INCLUDE PREVIOUS YEARS WHERE THE INTEREST AND FEES THAT I WASNT AWARE OF THAT I WAS BEING CHARGED. 
XXXX BANK AND COUCH AND LAMBERT HAS VIOLATED THE FDCPA IN NUMEROUS WAYS WITH FALSE AND MISLEADING DOCUMENTS, HARRASSMENT AND OPPRESSION. XXXX BANK IS AWARE THEY VIOLATED TILA AND THE CREDIT CARD ACT BUT IS COMMITTING FRAUD AGAINST CONSUMERS BY TAKING CONSUMERS BACK AND FORTH TO COURT TRYING TO COLLECT INCORRECT AMOUNTS OF MONEY.
Product: Checking or savings account

on XXXX XXXX, 2017 I received a in-app message saying my account was closed with no explanation. I have deposited XXXX in the account and spent all but {$430.00}. I do n't know where my money is and I can not speak to them over there phone nor chat.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I filed a complaint with CFPB ( Complaint # XXXX XXXX against LexisNexis for maintaining and selling the information they maintain under my social security and not complying with my request to freeze my file, as well as Opt-Out from selling my information. However, despite their claim to have " Security freeze '' on my file and Opt-out of selling my information in the response letter dated XX/XX/2020, they are still selling my information to XXXX. 
This fact is evident in their response letter dated XX/XX/2020 on complaint # XXXX showing the freeze was applied to a different individual file instead of my file " Security Freeze added to XXXX XXXX RiskView file. '' ( See attached letter from LexisNexis ). They have also on the same response letter referred to my name and title inaccurately, simply showing LexisNexis is extremely careless in regards to collecting information and maintaining information accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy og my credit report. To my surprise, XXXX, XXXX, and XXXX are reporting accounts incorrectly. The collections accounts are not only reporting as open but, also shows past due balance. According to the FCRA, I have the right to an accurate credit report. INn accordance with the Fair Credit Reporting Act XXXX XXXX Account number : XXXX and I.C System Inc Account number : XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX 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, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXXXXXX XXXX of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported 30days late XXXX because their representative told me the wrong payment amount, short XXXX. XXXX won't budge even though it was a bank error. I also had late payments in early XX/XX/XXXXon 3 accounts due to terminally ill father 's medical bills. Accounts have been paid in full.
Product: Student loan

My original debt was with    XXXX   XXXX   XXXX  .  My debts have now been transferred to   XXXX   XXXX    without my approval.   XXXX   XXXX   terms and agreements are different. I have not been giving any information on what their terms and agreements are. Continuously, they are attempting to get me to do a forbearance when I say I can not pay, instead of trying to give me options to get out of this debt. My hole just continues to get deeper and deeper I believe in access o f   XXXX   XXXX   ju st in finance charges alone. Also, sometimes they will send me email stating that they have already placed me in a forbearance without me approving. When I have made several attempts to collect information or try to find the best option for myself pertaining to this debt I just get transferred from department to department with no resolution other than another forbearance.
Product: Credit card or prepaid card

I called customer service to dispute charges and get a new card shipped to me and fix all the fraudulent charges that werent mine on the card and this guy was asking why did I want to dispute them and he asked for my social security number and birthdate and then he hung up the phone and the next day my account was closed and no card was shipped out and no reason was explain and I never owed chase and I paid my bills on time and everything so Im not sure why this happened to me other then the guy doing illegal things to my account in my opinion
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was initially contacted by Professional Credit Services on my phone number XXXX regarding a debt collection call. They were looking for someone who was not me, XXXX XXXX. I told them during that phone call on XX/XX/XXXX XXXX at XXXX PST, that I was not the right person they were looking for. However, they have continued to call me even though I dont any debt to them. They have caused me stress, and emotional harm due to which I am unable to sleep at night and function properly during my day job. I am looking to seek a damage compensation and violation of privacy from them. 

I am attaching a screenshot of a call from their numberXXXX on XX/XX/ that was verified by the carrier during which I told them I am not the right owner of the debt and not to contact me. And additional screenshots of phone call and voicemails, regularly past that date in a daily basis despite of XXXX request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX  XXXX XXXX XXXXXXXXXXXXXX XXXX XXXXXXXXXX
Product: Debt collection

It is JP Morgan Chase credit card. They had doubled my interest per month and I could no longer afford it. My social security checks are deposited there. I fell behind in payments. Accrued extra late fees and interest and paying them back is no longer possible. I have a daughter with XXXX as well. We do not have the money. I called several of their departments to get my lower interest rate restored to no avail. They said it had been " introductory '' for a year. I didn't know this. I regret and apologize for their inconvenience, from my heart.
Product: Debt collection

This is in response to CFPB complaint XXXX. In pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim. Also you have no legal standing to collect in Alabama or New York. This is a cease and desist!