23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I attempted to contact the company in XXXX with no resolution. I sent identity theft reports to all XXXX credit bureaus. Police report remains on file with the XXXX XXXX XXXX XXXX. 
I have attempted to over & over to resolve this account which does not belong to me! I am the victim of identity theft & this account with ACIMA CREDIT need to be removed from my credit file immediately.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX  XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX IN XXXX XXXX Owed : {$680.00} XXXX XXXX XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Owed : {$680.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers, like myself, the necessary proof of investigation. Here are the inaccurate accounts being reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$6700.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter serves as a formal notice regarding the inaccurate reporting of the above-referenced account on my credit report. It has come to my attention that this account has been reported as a charge-off, yet it continues to reflect a balance. This inconsistency violates my rights under federal consumer laws, specifically the Fair Credit Reporting Act ( FCRA ) and 15 USC 1692.

According to the FCRA, only accurate, complete, and verifiable information may be reported on a consumers credit file. Reporting this account as a charge-off while simultaneously listing a balance is both misleading and damaging to my credit score. Furthermore, this may constitute an unfair and deceptive practice, as a charge-off is considered a loss to the creditor and should not be simultaneously reported as outstanding debt.

Additionally, I have never received a XXXX form to account for this debt as income, which raises further concerns about the legal and procedural handling of this account. If the debt has been charged off and forgiven, as reported, it can not legally remain as a balance affecting my credit report. Income from charge-offs is not to be reported on my credit file, as it misrepresents my financial obligations. 

I demand the following actions be taken immediately : Reinvestigate and correct the reporting of this account to reflect accurate and lawful information. 
Provide all documentation and verification, including original account agreements, statements, and correspondence, demonstrating the validity of the balance and charge-off status. 
Explain why a balance is still reported if the account is noted as a charge-off. 
Permanently delete this account from my credit report if the information can not be fully verified or corrected. 
Please treat this letter as a formal request under 15 USC 1692c, the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable federal laws. Continued inaccurate reporting and failure to address these concerns will be considered a violation of my consumer rights, and I will pursue all necessary legal remedies. 

I expect your agency to resolve this matter and provide me with written confirmation of your findings and actions within receipt of this letter. 

Thank you for your immediate attention to this matter. Should you have any questions or require further details, I am reachable at the contact information provided below.
Product: Debt collection

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION XXXX  DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT MANAGEMENT XXXX  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person XXXX company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 XXXX Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I have XXXX issued with the credit card company. 

I've made a payment on XX/XX/XXXX at amount of {$360.00}. On XX/XX/XXXX, there is a payment adjustment and the credit card asked me to pay again. I called the customer service but they were unable to show any information the original payment was reversed. I doubled paid the amount. 

Second issue is I have a dispute with a vendor called XXXX XXXX. I've made the payment with alternative method and requested my credit card disputed the {$300.00}. However, the credit card company refused to conduct any investigation and require me to provide billing statement from XXXX XXXX. I've never received any documents showing the required information. Then they shut down the case without any investigation. 

My SSN is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has consistently allowed wrong and incorrect information to allow my personal credit report. I have contacted Experian for almost 2 years to try and get this information fixed and removed. Each time, Experian uses a different stall tactic. 

Experian has allowed XXXX XXXX XXXX to incorrect add information to my credit report. I contacted XXXX XXXX XXXX and informed them that there is an account that I've never had that is listed on my report. I was informed that this was not my account by XXXX XXXX XXXX XXXX Experian has continued to allow this information to be listed on my credit report. 

I asked them for an investigation of this matter and for proof of documentation that this account is mine. I still yet to receive this information. Also, this is not the only account that and inquiries that Experian has allowed to be put on my credit. 

Experian has also allowed the following accounts to remain on my credit report without a full investigation. These are not my accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have fraudulent addresses and names that are not mine attached these accounts.
Product: Money transfer, virtual currency, or money service

This is an issue with 3 companies involved. 
XXXX. XXXX XXXXXXXX XXXX. JP Morgan Chase XXXX XXXX XXXX XXXX XXXXXXXX I have a credit card with XXXX XXXX. On that credit card, I used balance transfer to move my balance from XXXX ( XXXX ) with the intention of paying off XXXX so that no interest accrued. The balance transfer was initiated XX/XX/XXXX by XXXX XXXX. XXXX  XXXX sent a physical check to the payee, XXXX. My XXXX  XXXX account gained the XXXX} balance. 

XXXX XXXX XXXX  ) did not receive payment. My payments were paused for investigation. 

I called XXXX XXXX to see who the check was sent and cashed. The check sent from XXXX XXXX had one error in the XXXX XXXX XXXX, however, was still written out to XXXX XXXX XXXX. The back of the check shows it was cashed by a third party, JP Morgan Chase bank. 

I provided the copy of the check to XXXX, and they have since concluded that this check was cashed by another company, and I am responsible for the full balance plus the interest accrued making my balance even higher than the original payoff amount. I also still owe XXXX XXXX, as this balance was added to my credit card. 

I have asked XXXX XXXX to report this as fraud. The check they sent was not cashed by the intended payee. 

Both XXXX  XXXX and XXXX XXXX XXXX  ) have stated it is up to the bank that cashed it, JP Morgan Chase to refund me. I can not get through on phone as they will not speak to me, I am not a customer. Today XX/XX/XXXX I went into a local Branch who stated I would have to deal with XXXX XXXX. 

JPMorgan Chase has my money and has caused frustration as well as additional fees tacked onto me. I need for my money to be returned to me. I can provide copies of documents for review.
Product: Debt or credit management

I contacted Equifax about the inquiries and was told that I had to provide so many documents before having them removed. I don't understand why this is a problem with having these items removed and updating my address because I have seen inaccurate information.
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes with XXXX, XXXX, and Experian regarding incorrect information on my credit report. Despite these efforts, the errors remain unresolved, and no sufficient action has been taken by the credit bureaus. 
Dispute Reasons & Violations : Failure to Verify Information ( 15 USC 1681i ( a ) ( 1 ) ) : The credit bureaus have not adequately verified the disputed information within the required 30-day period, leaving inaccurate data on my credit report.

Failure to Ensure Maximum Accuracy ( 15 USC 1681e ( b ) ) : The information being reported is not the most accurate, and the bureaus have failed to take necessary steps to ensure correctness.

Failure to Remove Outdated Information ( 15 USC 1681c ( a ) ( 5 ) ) : The credit bureaus have failed to remove outdated information from my report, which should have been excluded after the statutory period.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have been receiving numerous phone calls from a company called XXXX XXXX XXXX XXXXXXXX about a loan from a firm called Multi Source for {$100.00} in 2016. I have no knowledge of such loan and all debts owed were paid in full in our XXXX XXXX bankruptcy. 
I asked the representative, who stated that her name wsas XXXX, for additional information and clarification at which point she began screamingthat I had all of the information and that I should tell it to the judge and then hung up on me. I called back to find out more information and was hung up on again. 
Plainly and simply put, we have no outstanding debts and I have never dealt with this company Multi-Source. I have never recieved any documentation concerning this account nor have I recived any documentation from XXXX XXXX XXXX XXXXXXXX. 
This repeated tactic is apalling and horrible. I have no information about this and I am being harassed about something that I have bo information about from either party. In addition, the tactics and abusive behavior of the collectors is unacceptable. If this is true, why is there no documentation. 
Your assitane in this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I've tried multiple times to resolve the fraudulent, inaccurate, and misleading info showing up on my credit report, but the issue is still hanging around. It's been super stressful and XXXXXXXX especially since I never gave permission for this info to be linked to meI 'm a victim of identity theft, after all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. And TransUnion LLC Consumer Disclosure Center XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Was contacted with my water bill, lease, ID, ssn and a signature asking for all holds, locks, freezes, alerts, comments etc be lifted from my account so my report could be pulled. I also asked for only two address to appear and the rest to be deleted. I then showed how XXXX and Transunion has removed XXXX account for a charge off and you guys still have it there even after the company letter for removal. You are in violations some including : U.S.Code 1681 ( s ) -2 ( Any payments during COVID-19 are required to be deferred or forgiven ) 15 U.S.Code 1681 ( 4 ) ( You have a right to privacy If you consider your late paymentikes to be private information, they must be deleted from your credit ) XXXX 15 U.S.Code 1681 ( a ) ( Any transactions between you and the creditors are required to be excluded from your credit report. ) I also stated to remove all Inquiries showing and broke down which and the times and you guys replied with 0 issue resolved. It is your duty to uphold the law and hold 3rd parties responsible for the consumers sake
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have previously and recently filed a complaint about this collections agency, but this new complaint is because after contacting the credit bureau about this account, the representative states that the collections agency reports a debt of {$820.00}, whereas on the credit report that I received, the collections agency reports the debt to be {$830.00}. The representative also stated that the original creditor is XXXX XXXX, while on my copy of the report the original credit is listed as XXXX XXXX XXXX. With the discrepancies of these two different sets of information, my point of identity theft is further proven, as neither I have ever been to XXXX XXXX nor XXXX XXXX XXXX. Additionally, having two different entries ( for both the original creditor and amount of debt ) reported by this collections agency shows there is misinformation, as well as negligence.
Product: Credit reporting or other personal consumer reports

FCRA Violations NOT mine not my credit cards XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7200.00} Status Account charged off. {$7200.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1900.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
THE XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4500.00} Status Account charged off. 
not my addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan

Castlepayday.com charged me 700 % interest without my knowledge on a XXXX loan.
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid off my chase freedom UNLIMITED credit card with {$1800.00} on the full balance of {$1700.00} plus interest-leaving a credit balance of {$29.00}, as shown on my XX/XX/XXXX statement. 
After having verified that my credit card was paid in full, I requested additional card for my daughter, XXXX XXXX XXXX on this account. I did not receive the card for a while, and requested again electronically in the chase mobile app. Then I received 3 identical copies of the same account number in my daughter 's name ( I live in the same address as my daughter since pandemic started in XX/XX/XXXX ) .When I got my next bill in my app, it showed a purchase of {$730.00} from a certain XXXX store in XXXX XXXX, New Jersey on XXXX XXXX. I then asked my daughter if she made the purchase-to which she replied that she had not even activated the card yet. Neither me nor my daughter had ever been in that store, and so I called the XXXX right away, and told the customer representative ( name is XXXX ) that this purchase was not an authorized purchase, and hence a fraud. I told him that my daughter had not even activated this card yet, to which he replied that this type of card did not need activation, and was ready for use upon receipt. ( This is poor security protocol because if someone else got hold of this card when the mail was in transit, he or she could just literally go to any store. ) I was then told that they would investigate this, and that I had to wait for the result. Meanwhile, the purchase was deleted during the investigation process. 
On XX/XX/XXXX, I got an email stating that the transaction was valid ( copy herewith ) and that I am obligated to pay. I immediately wrote them a letter by post ( copy herewith ) reasserting that such transaction was never authorized by me nor any of my authorized user, and requested CHASE to furnish me a copy of the documents that they used as basis in the investigation, why they believe that the charge was proper and not a fraud. 
On XXXX XXXX, they replied by email ( copy herewith ) that they have reviewed this case and that the transaction was valid, and I am responsible to pay for this-and the case is closed, without giving me the proof that I had requested. 
Hence, this complaint wherein I am required to pay for item/items ( do not have a receipt of the fraudulent purchase ) that I did not purchase in the " XXXX '' store.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is incorrectly reporting my XXXX XXXX account as a charge-off when it was included and discharged in bankruptcy ; also, Trans Union is incorrectly listing the closed date of my XXXX account as XX/XX/XXXX, XXXX thus lowering my credit score by 15 points as it looks like a recent missed payment/delinquency. The actual closed date was XX/XX/XXXX ; previously, the closed date was listed as XX/XX/XXXX. 

Trans Union can look at past credit reports and know that what I am reporting is true.