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

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Delete this account. 
8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 9. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 
10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Delete this account. 
11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account. 
12. 15 US-CODE 1692E FALSE OR MISLEADING XXXX DPT EDXXXX Account Number : XXXX Delete this account. 
13. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

Received notice from XXXX showing a collection account was opened on my credit report between XX/XX/XXXX & XXXX, XXXX in the amount of {$100.00}. 

Provided states collection agency name is Jefferson Capital Systems LLC & original creditor is XXXX XXXX. 

I have not received any communication from either of these entities concerning any outstanding debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXXXXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$63.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX. ) XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00}. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Product: Debt collection

Portfolio recovery Solutions Continues to report INACCURATE Information to XXXX XXXX and XXXX, which is a huge VIOLATION. 


Portfolio Recovery/XXXX account # XXXX Please remove account due to violations 1. Can not have a past due this is a collection account 2. Can not be late 120 days on a collection account 3. Date of last activity is inaccurate XXXX XXXX reporting date of XX/XX/XXXX XXXX shows date of XX/XX/XXXX PLEASE REMOVE THIS ACCOUNT FOR INACCURACY. 


Portfolio Recovery ( XXXX XXXX ) Account # XXXX Please remove account due to violations 4. Can not have a past due this is a collection account 5. Can not be late 120 days on a collection account Account in violation by reporting inaccurate Date of Last Activity. XXXX XXXX reporting date of XX/XX/XXXX XXXX shows date of XX/XX/XXXX. PLEASE REMOVE THIS ACCOUNT FOR INACCURACY. 


Portfolio Recovery/XXXX XXXX Account # XXXX Please remove account due to violations 6. Can not have a past due this is a collection account 7. Can not be late 120 days on a collection account 8. Reporting Date of Last Activity inaccurately. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove immediately for violation. 


Portfolio Recovery ( XXXX XXXX ) Account # XXXX Please remove account due to violations 9. Can not have a past due this is a collection account 10. Can not be late 120 days on a collection account Account in violation by reporting inaccurate Date of Last Activity. XXXX XXXX reporting date of XX/XX/XXXX XXXX shows date of XX/XX/XXXX. PLEASE REMOVE THIS ACCOUNT FOR INACCURACY. 


Portfolio Recovery/XXXX XXXX Account # XXXX Please remove account due to violations 11. Can not have a past due this is a collection account 12. Can not be late 120 days on a collection account
Product: Credit reporting or other personal consumer reports

this bankruptcy on my credit is not only illegal but its hurting my chances to secure a mortgage loan for me and my children. 
Bankruptcy informed me Under 15 U.S.C 1681 they do not report this information to the credit bureaus. Yet trans union refuses to remove this information. 
i would appreciate them removing, i need a home and they are in violation of the law. 
I have sent certified letters to them more than once asking for this to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were 5 collections accounts on my report, 4 of which were medical. On XX/XX/XXXX, I checked my report and noticed my collections balance increased by {$600.00}. There was a medical bill reported by XXXX XXXX XXXX XXXX for orig. creditor XXXX XXXX for {$290.00} Account # XXXX on XX/XX/2022 and another account by XXXX XXXX for orig. creditor XXXX for {$310.00} Account # XXXX on XX/XX/2022. 
These same 2 collections were added as duplicates on XX/XX/ XXXX XXXXs if they were separate accounts. This is unacceptable and decreased my credit score as it increased my collections from 5 to 7 accounts and balance from {$1400.00} to {$2000.00}. I disputed these items and have received no response or updates. This is not only Unfair credit reporting but also inaccurate and a violation of my rights. I am sure that I am not the only person suffering from this unjust behavior.
Product: Debt collection

During the summer months of 2020, my identity was stolen and my personal information was compromised online and in the local area when someone attempted to move into an apartment complex using my credit and social, which is why there is an extended fraud alert on all my accounts, that and mainly because of the time this same thing occured only it was at XXXX XXXX to purchase cellular devices and not pay on them using my identity and just recently online when my other roommate went to create accounts and order things under my name and even two new credit cards which is another thing. XXXX XXXX XXXX XXXX  isn't rightfully mines as I currently do not and never had possession of any of the items listed under the purchase but was instead picked up by an old coworker and stolen by his sister, and was essentially coerced into this contract I initially did not approve of or realize this would be the results, there is an active police investigation going on due to these discrepancies, I hope this is resolved expeditiously and with careful consideration.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section XXXX and XXXX XXXX provide me with a remedy which XXXX about to seek. You are willful non-complying with the FCRA. Since you claim XXXX verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 took out a payday loan in XX/XX/XXXXXXXX for {$440.00} from EZ Corp. In XXXX XXXX Iowa. This is n't the first call that I have received from this shady collection company. They claimed that their name is XXXX Investigations and that there is a pending criminal case being held against me, and that I will have a warrant issued against me and they will come to my work or home and pick me up and process me at the police station. they also called my XXXX year old grandmother and used the same scare tactic on her about me, she called me very upset and concerned. I called this company back and they said that my balance was {$2000.00} with attorney and court fees. I told them I would try to take care of this even though it was included in my chapter XXXX bankruptcy in XX/XX/XXXX. They said they would contact whoever to see if they could get the charges dropped and get me into a repayment arrangement. They came back with {$790.00} which is still way higher than what I actually owe, they said I have until the end of today to pay that amount or the charges were going to be pursued further. when I notified the woman that I could not afford that amount. and i told her that the call was being recorded she became irate and combative and hung up on me. She also gave me an address of XXXX XXXX XXXX XXXX XXXX Texas XXXX I 'm not sure if that is a good address or not of if she gave me a bogus address. She said her name was XXXX XXXX and the phone number she gave me was XXXX. I believe she now blocked my phone number from calling her because I can no longer reach her and it goes right to voicemail. I contacted the original creditor which appears to be out of business now, which is no surprise if this is how they handle business, but it had a voicemail to leave messages and they said that I will get a call back within 7 business days. When they call me back I will find out exactly who they placed my debt with and the Real name and contact information to the company that is harassing me and my family members. Once i told her i was filing complaints with several offices she said do what you need to and hung up. i said i would pay what i owed if she did n't use these tactics but once i told her everything was recorded she refused everything. She continued to hang up on me.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX I went online to acquire a short-term loan. I was matched with Max Lend and a representative from Max Lend then called me. I only wanted to borrow {$250.00} but the least amount they would loan me was XXXX XXXXXXXX was told that my payments would be XXXX XXXX monthly XXXX through XXXX, and that XXXX payment would be more. I repeatedly confirmed with the representative that the payments would be $ XXXX except for XXXX and she answered yes. I told her that that was alright, and I would pay it off before XXXX. She had me sign for the loan electronically while I was still on the phone with her. I was not sent all of the documents until after I had signed for the loan. The first payment due was actually for {$84.00}. I paid {$100.00}. On XXXX went online to make my payment and saw that they now wanted {$230.00}. I did not understand but did pay {$250.00}. On XXXX again and saw that they wanted {$230.00} again and now the payments only went through XXXX, not XXXX. I then called Max Lend to find out what was happening. I was basically told that once I signed for the loan that they could make any changes they wanted to the loan. I did not pay and they tried to automatically deduct the money from my account. I did not give them permission to do so. O called them again and they said since I signed that they had the right to do that. I stopped the payment through my bank. I called Max Lend again and told them That I would pay {$250.00} more and would not give them any more money. From XX/XX/year> XXXX I had paid them a total of {$610.00} for the {$400.00} loan. I told Max Lend several times that that was not what I agreed to, that they never told me that the interest and payments would significantly raise, That I could not afford {$230.00} monthly, and I would have never taken the loan if I had known that. I told them the amount they were asking was ridiculous and I was never told about the changes that were made to the loan after I signed and did not receive the documents until after I signed. I was going by the phone conversation with the representative. I was again told that once I signed for the loan that they could make any changes that they wanted. I have not made a payment since XX/XX/year>. They call me at least once daily and state that I have a past due balance of {$520.00}. I tell them every day that I will not pay until I am advised by an agency on what to do regarding the matter. I also tell them what happened and how I was misled and lied to regarding the loan.
Product: Credit card or prepaid card

My original complaint was filed with Consumer Financial Protection Bureau complaint on XX/XX/XXXX. I contacted their office Incomm Financial on XX/XX/XXXX, disputing an unauthorized charge made to her card. I returned the completed dispute packet to their office by XX/XX/XXXX. The company claim that the complaint has been finalized in my favor as they sent a replacement card for the amount of {$100.00} is being issued to my address that arrived via XXXX XXXXXXXX. I received the replacement card on XX/XX/XXXX. I attempted to activate the replacement card using the information that they provided with the card. I am not able to activate this card, add a personal pin ID number to this card or check for any existing balance on the card as each time I try to do any of the above, I am told that the information provided on the card is invalid. I have tried to activate the card online and also by phone. I am starting to think that this company may be fraudulent. I am not satisfied with their response and feel that the complaint filed on XX/XX/XXXX has not been resolved as they have not provided a replacement. Please, consider further action. 
Thank you kindly, XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

On XXXX/XXXX/XXXX, I attempted to purchase dinner at XXXX XXXX for {$42.00}. My debit card ( ending XXXX ) was denied twice, even though I had {$370.00} approx. funds on deposit. I then used my debit card from my daughter XXXX XXXX XXXX XXXX account ( ending XXXX ), in which the entry was approved. When I called XXXX, they told me there could be a series of events that could flag as my card for suspicious transactions. That would make perfect sense if I had made several transactions. This was not the case. I would even understand if the transactions were in larger amounts than normal, which again was not the case. On XXXX I used the work vending machine {$2.00}. XXXX, I used XXXX ATM and transferred {$110.00} to my daughter 's account ( I transfer funds every month ) and paid my XXXX XXXX. On XXXX, purchase at XXXX {$5.00}. These series of events flagged my card as suspicious?!? 

It is horrible that XXXX, who is a multi- billion dollar FI is denying transactions that does n't even sum up more than the {$50.00} of the minimal liability of a REG E claim!!! 
This is horrible. Why should customers be denied for transactions for such small amounts, and embarrassed and then having to clear up an misunderstanding with them when there was not misunderstanding ... again, I had the funds on deposit!?! 
This is NOT good business and lousier customer service!
Product: Student loan

In XXXX I qualified for a loan for online college courses. The school qualified me for a XXXX loan for {$2700.00} subsidized and {$2500.00} unsubsidized. The loan was deferred for a period of time as well. Since XXXX my loan has been serviced through Navient. It was sold to them for {$6400.00} and I have had a few forbearances since then. I am unable to access the details of the forbearances on Navients website and they said they would fax the information to me. I am also unable to access any information on payment history or interest prior to XXXX. At each forbearance I was only told to bring my account current and they gave me an amount to pay. These were sweet deals considering I at the time was a single parent to XXXX pre-teens. They said nothing of the fees that would still accrue monthly. These fees would be taken out of this amount they asked me to pay monthly. To date I have paid a total of {$5200.00} with a balance of {$3300.00} remaining. At this rate of fees and interest I will not be able to catch up. No payoff date in site. I 've never been informed of an income driven repayment plan. I was always stirred into forbearance. The low payment monthly works however, This loan is 10 years old now. 

I 'm seeking to have these monthly fees and the subsequent interest charged on top of it removed and I am seeking your help in doing so. 

Thank you! 
XXXX University XXXX XXXX XXXX
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 antedates 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.