23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For case number XXXX, after receiving a letter from XXXX XXXX XXXX threatening to sue me over this debt, I called them and informed them that this debt had been paid in settlement to a prior collections agency in 2008 and that I was in the process of attempting to collect documents from my previous bank to show that this debt had been paid. I also requested that they mail me documents verifying the payment history on the debt. I was told that it was my job to prove that I Did n't owe the money, which I did not know at the time was invalid and in violation of the Fair Debt Collections act. I did not hear back from them again until I was served documents to appear at court. 

A default judgment was rendered for the plaintiff due to my presumed absence from the court. I was in fact in court on the scheduled date and time ; however, I am a single mother of an XXXX child with no family or community support. On the date in question, I was unable to arrange childcare during the proceedings and had to bring my son with me. We were present IN the court room during the initial minutes of the docket but were asked to wait outside because my son began having a tantrum. I took him outside to calm him down and on attempting to return one of the bailiffs instructed me to stay in the hallway because children were not allowed in the court room. The bailiff took my name and told me he would call me when it was time for my case. The lawyer for the plaintiff was in the courtroom when I was asked to leave and was therefore aware of my presence. Subsequently during the attorney left the court room ( presumably for a brief recess or bathroom break ). When I saw him exit, I stopped him and asked if my name had been called, referring to myself by name. I was told " No, the bailiff will come and get you. Be patient. '' The Attorney then returned to the court room. An hour or so later, after seeing people filing out of the courtroom I returned with my son to inquire if it was my turn yet only to be informed that the docket was closed, and that the Judge had left. I could not locate the bailiff that told me he would contact me and one of the court clerks informed me that XXXX XXXX XXXX received a default judgment. Outside I was consoled by some lawyers who urged me to write a letter to the court explaining what happened to get a new trial and ask for a reprieve. I did as instructed but never received a response back from the court. Possibly because I ended up homeless just a few months later. 


I feel the attorney withheld information about my presence solely to collect a default judgement from the courts because he knew that the debt was invalid based on my calls to the company requesting them to verify the validity of the debt after informing them It had been paid to a previous collection agency. XXXX XXXX XXXX knew the debt was invalid and that their actions were unenforceable and that I could at the time provide documentation verifying the debt had been paid, so I feel the actions of XXXX XXXX XXXX again were a result of intentional attempts to get a default judgement from the court by denying me my right to be present to defend myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to XXXX in regards to an alleged XXXX XXXX XXXX loan asking them to verify an alleged debt with proof of original documentation, but they have failed to do so. I have asked for them show me their Method of Verification and they did not send it. I am worried that they are not actually investigating my dispute and are using the XXXX system instead, which I did not consent to.
Product: Credit reporting or other personal consumer reports

These 29 accounts and 9 inquiries that are reporting negatively on my TRANSUNION ( PLEASE SEE ATTACHED ) credit report are fraudulent, inaccurate, and unverifiable. ( SEE ATTACHED )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the credit error of grade. Your company has me at XXXX or lower. XXXX of my banks say almost XXXX XXXX I attached screen shots to complaint I want a full investigation into this because I believe you guys are reporting this wrong and my bank is right. 


If this is the case due to the impact this error has had on my financial situation, I would like to discuss potential compensation for this mistake. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

U.S Bank closed my account ( XXXX ) on XX/XX/XXXX for " suspicious activity '' I had a direct deposit of {$3500.00} deposited into my account while my accounts were in the process of closure so I was due a cashiers check which I never received. I've called the bank several times, different people have told me different things I was told that they deposited my money into a XXXX  account at my home branch on XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Ca. I have gone to the branch several times as well, I was told they would be able to give me a cashier check for the amount due to me. I was told on XX/XX/XXXX that I would receive my cashiers check the following day, I went to the branch and branch manager was not there. I was told to come back XXXX  XX/XX/XXXX. I went and I was told that U.S bank rejected the claim so I can retrieve my money and that they don't know when I'll be able to get my money back from them. Everyone has been useless in trying to help me get my money back so please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Plaintiffs, XXXX XXXX, files the following action against Respondent ( s ) Equifax Consumer Services, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX et al for violating 15 U.S.C. 1681 e ( b ) for intentionally and knowingly failing to assure maximum possible accuracy of information contained within consumer credit reports. 

FACTUAL BASIS 1. On XX/XX/XXXX XXXX XXXX requested, pursuant to FCRA 611 ( a ) ( 7 ), a description of all methods used to investigate and/or verify the accuracy of the reported information on alleged bankruptcies filed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
2. On XX/XX/XXXX, respondents stated to XXXX XXXX that the reported alleged bankruptcy was certified as accurate and refused to remove said information. 


At issue in the foregoing complaint is the failure and refusal of Respondents to remove unverifiable bankruptcy from consumer credit reports. There exists no possibility or mechanism for a Consumer Reporting Agency to verify any bankruptcy filings in accordance with 15 U.S.C. 1681e ( b ).

All Federal Bankruptcy Courts are restricted from public disclosure of individuals personal identifiers by Federal Court Rule 5.2 ( a ) 1-4. Therefore, not enough information is contained with a court record for a Consumer Reporting Agency to comply with the statutory requirements of the law. 

In XXXX, the Respondents settled a lawsuit brought by all 50 State Attorneys in a lawsuit pertaining to the use of public records from state and local courts. As part of that settlement the Respondents created the National Consumer Assistance Plan, which in relevant part established enhanced standards ( effective XX/XX/XXXX ) requiring that state and local court public records be reported with at least a minimum of personal identifying elements to include name, address, full social security number and a complete date of birth. 

Because no Federal agencies intervened on the behalf of consumers, the Respondents opted to disallow Federal bankruptcies in these enhanced standards and requirements. 

WHERFORE, plaintiff requests that the Consumer Financial protection Bureau find Respondent ( s ) in violation of 15 U.S.C. 1681 e ( b ) and AFCRA 611 ( a ) ( 7 ) and order an immediate halt to the reporting of bankruptcy information on all related consumer credit reports. 

Because Respondents have been fully aware that its actions violated the rights of consumers since at least XXXX, the Plaintiffs request that the CFPB join plaintiff in federal lawsuit..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX,2020 I completed a letter to all credit bureaus on inaccurate reporting for several accounts on my credit. They are reporting 3 different dates/years on charge off accounts. I requested for the credit bureaus to delete the account. The initial response was verified. I have also provided screen shoot within my letter from XXXX XXXX. I am submitting a second notice for the removal of the inaccurate charge off accounts.
Product: Credit reporting 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. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$3900.00} has violated my rights 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

I have contacted Experian, XXXX and XXXX about the fraudulent student loan accounts on my credit report. I have submitted a federal trade commission affidavit, police report and notarized letter explaining the fraudulent information. I demand for the information to be blocked and removed per fxra section 609.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX is showing my closed/deactivated phone service as " Collection/charge off '' and I am getting harassing calls from debt collectors.

This information is incorrect. The following is accurate : 1. I reported my phone as lost/stolen to XXXX 2. My phone had insurance purchased at the XXXX store XXXX. I filed the lost/stolen claim at the XXXX store 4. The XXXX store manager personally confirm that i had purchase insurance 5. Claim was disputed by insurance provider - reason not provided 6. I escalated with Insurance provider - assured me that claim would be " accepted '' 7, I cancelled phone service 8, I  enrolled with another service provider XXXX. XXXX and debt collector started harassing phone calls to my cell phone
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error, I am XXXX XXXX a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information
Product: Debt collection

I was told to send fax with the police report and documents of evidence that i am a client that have fraud in my credit and i already did investigations with other company and that i had fraud i was told to send like 2 pages with that evidence and i did i end it true certified letter and also i send it true fax i have evidence it was send and they denied that they did not receive nothing so i decide to send it bye certified mail and they dined that it was not receive so this company is not helping me at all and they want to charge me something that is not mine i send them police report my identification and evidence of other company that i had fraud before i am afraid of this i am not sending more documents with my information cause it have my personal adress and my name picture and more so i need this company to stop lying cause this is affecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint in reference to XXXX account ending in XXXX, with a remaining balance of {$0.00} ; which was satisfied on XX/XX/XXXX with the agency that the account was sold to, XXXX XXXX XXXX XXXX. My complaint is with Experian as I have disputed the incorrect information with them several times within this past year and they do absolutely nothing to correct and remove the negative tradeline per FCRA guidelines. Also, instead of following applicable Federal FCRA laws and removing the account due to multiple reporting inaccuracies, Experian takes my dispute and sends to XXXX, who in turn does absolutely nothing. I as the law abiding consumer get left holding the bag for interconnected oligarchs that commit financial crimes. 

Lenders and finance companies that I apply to deny me funding due to the negative collection account that XXXX reports to Experian and XXXX. In addition, XXXX has written this account off on their taxes shortly after the year XXXX, sold the account to another agency that I paid off, yet falsely represents this account as themselves being the debt owner. Experian reports on my credit file for this account as being 120 days late in XXXX of XXXX, then 120 days late in XXXX of XXXX which is mathematically impossible as this is only a 30 day time frame I disputed this with Experina 4 times since XXXX of XXXX. This is a FCRA " Metro 2 '' Compliance violation. Date of last Activity is XX/XX/XXXX yet Experian reports this information as XX/XX/XXXX, which is incorrect and another compliance violation. The text in the comments section state that this account was sold to another lender, yet they do not list who the lender is which is another FCRA metro 2 violation. The Original creditor field is also left blank. They are not only hurting my credit file but they're also breaking consumer laws with no justification for doing so and have not given any explanation for doing so until this day of XX/XX/XXXX. All relevant documents that prove my claim have been attached to this complaint. I need this account removed from my Experian credit file immediately upon receipt of this complaint due to multiple FCRA violations including incorrect, incomplete credit entries, and making false representations of historical credit data.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 NEGATIVE ACCOUNTS : - XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX - XXXX Account # XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Transunion, has 2 fruadulant accounts they refuse to provide documents on how its being verified. I submitted a police report, a identity theft report stating these 2 accounts are not mine. they continue to state its been verified with no proof of verfication to me on how its verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I am submitting this complaint on behalf of myself and not a third party. this is my second request about this matter and I dont know what the problem is with XXXX and Experian not abiding to the laws. I am a victim of identity theft and they are still reporting this information after I have already sent the proper documentation about these fraud accounts. I'm tired of this inconsistency with these credit reporting agencies the only one who seems to follow the laws is XXXX in this case. According to the FCRA law once the consumer makes it aware with documentation these fraudulent account should be deleted within 4 business days it has been over 4 months!! what is the problem? I have been trying to secure a home for my family and this fraudulent information that is being reported is causing me emotional stress and a financial burden because of lack of compliance from XXXX and Experian as they continue to ruin my reputation by reporting this false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items below do not belong to me or anyone i know. I have tried to fix this myself and have gotten no where. this is keeping me from buying a home XXXX XXXX XXXX Opened XX/XX/XXXX {$140.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$66.00} Original creditor : 01 XXXX XXXX XXXX   XXXX XXXX XXXX Opened XX/XX/XXXX {$640.00} Original creditor : 11 XXXX
Product: Debt collection

Ocwen has been trying to foreclose my house even if I miss one payment On my credit report payment is {$590.00} But on the statement has inflated it by XXXX dollars Calls my phone twice a day and on weekends too at XXXX XXXX
Product: Money transfer, virtual currency, or money service

They claimed to be from XXXX  XXXX XXXX fraud detection and said an account had been opened using my information and was making zelle transactions from my account and I had to enter cancellation codes into the zelle app so I was under the impression that what I was doing would cancel these transactions. They had me go into the zelle app and enter 'cancellation codes ' into the app which ended up just sending the money to XXXX XXXX . I did not authorize any payment as I was under the impression I was cancelling a transaction and they called from the official XXXX  XXXX XXXX number and provided me with personal information that the bank would have access to. I contacted my bank to get it reversed they said there is a good chance they will not be able to reimburse me, this was the associated case number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has Promotional Inquiries after I file a Notice of Election to opt out of any and all Promotional Inquires. I filed and requested back in XX/XX/2017 and I still see on that Equifax is still showing Promotional Inquiries.
Product: Credit card

I have consistently maintained punctual payments on this account, ensuring they are never overdue. The reasons for the reported late payment remarks on my accounts are unclear to me. In accordance with XXXX XXXX XXXX - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been currently disputing accounts on all three of my credit reports since. XXXX ... XXXX and TransUnion since XXXX of 2019. I have been unsuccessful with them deleting medical accounts in collections that are in violation of HIPPA. I have sent out dispute letters to the creditors as well as all three credit bureaus. During every dispute process the creditors and credit bureaus failed to show me proof of original documentation that I signed to have these medical services done. Due to these collections being on all three credit bureau reports it is interfering with my quality of life. I tried to get a XXXX XXXX loan so I can have an XXXX done for a tooth I was denied. I was just recently denied for a personal loan to take care of some medical expenses for my mother and I was denied. After this I am going to submit a complaint to HHS.gov for a violation of HIPPA. Then my next step is litigation. I have consulted a credit lawyer who has advised me to submit a complaint via CFPB first then HHS.gov, if the issue isn't resolved for them to delete those collection accounts of my credit reports after this we will move forward with litigation with all three credit bureaus TransUnion, XXXX, and XXXX.
Product: Debt collection

On the morning of XX/XX/2019, I was startled and approached by a process server, who was standing near my door when I opened it. She informed me that I was being sued, and after briefly reviewing the formal legal pleading, I signed it and she left. 

After receiving the pleading, I reviewed it in its entirety and it seems that Jefferson Capital Systems, LLC., was suing me for a debt that I had absolutely no knowledge of. Jefferson Capital Systems , LLC, is not listed on any of my credit reports and the company they purportedly represent is showing a zero balance on my credit report. However, Jefferson Capital Systems , LLC, is suing me for {$2400.00}. 

Jefferson Capital Systems , LLC, seems to have completely disregarded the federal law of the Fair Debt Collection Practices Act [ Title 15, USC 1692f, 809 ( d ) ], which says communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). This was, in fact, my initial communication with Jefferson Capital Systems , LLC. 

According to Title 15, USC 1692f, 809 ( a ), of the Fair Debt Collections Practices Act, I should have been given written notice, and an opportunity to identify, investigate and validate this debt, before being served with a legal proceeding. However, Jefferson Capital Systems , LLC, made a conscious decision to disregard Title 15, USC 1692f, 809 ( a, b and c ) of the federal law and have me served, thereby taking away my right to challenge the validity of the debt. 

Additionally, the address documented for the defendant on the formal pleading is completely inaccurate and is not an address in XXXX XXXX, which is where I reside. The address documented, is, in fact, a XXXX XXXX address. 

I had 14 days to file an answer, in which I did and our initial hearing was heard on XX/XX/2019, and is still pending the outcome of an investigation. 

I also reached out to Jefferson Capital Systems , LLC, and was informed by one of their representatives that written notice was mailed to me, at the address on the legal proceedings, which is not my address, nor has it ever been. 

I presently have an active account ( with a small balance 17 % ) with the company in question and have previously had another account with them, that is now closed and was paid in full. Im also reaching out to the company ( XXXX ) to request detailed records of any/all transactions associated with the account in question, which is presently showing a zero balance on my credit report. 

Im also a victim of ID theft. My name is presently a part of the XXXX Data Breach, XXXX XXXX Security Incident, checks, other credit cards, along with the thousands of dollars being taken from the IRS in my name. The IRS finally cleared me, after a nearly year-long comprehensive investigation. I have police reports, an FTC file #, along with other pertinent documents from years of dealing with this matter.
Product: Checking or savings account

Someone emptied my account online and Bank of America failed to investigate my claim. So I did. After speaking with the merchant, whos words were this is clearly fraud called back to Bank of America. They have been investigating for over 30 days and have still not provided either a resolution or credit in violation of regulation E. My business have effectively been closed due to this as I had no inventory to sell for XXXX. They promised me the credit would be in my account last Wednesday but it has not arrived. Ive filed a police report as well.