23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I started to receive calls from Diversified Consultants Inc in regard to a XXXX Account that was closed and taken care of in 2013. So I checked my credit report where I got a derogatory remark for XXXX on my XXXX. I informed them that this had already been taken care of. They let me know they had an open account in there system that had to be paid. They have been calling and harassing me to pay this debt. I want them to have this negative remark removed from my credit report and to stop calling me. Especially when I'm at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report, and I discovered a lot of information reporting that does not belong to me along with fraudulent addresses and incorrect spellings of my name. I misplaced my purse in a restaurant XX/XX/31. Since then, I have been noticing a lot of changes in my credit score. My DL, SSCard and passport were all misplaced, i was told to file this complaint if i saw anything that does not belong to me. I have listed a few accounts in the form and i will list the additional accounts below XXXX  ACCT # XXXX BALANCE XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX Please investigate this information
Product: Debt collection

Adverse Action and defamation of character Jefferson Capital System I, the consumer and natural person, was a victim of identity theft, XXXX XXXXXXXX XXXX discharge the debt 1099C and then sold the debt to Jefferson Capital System. Adverse Action against consumer is against the law according to the equal credit opportunity Act which is codified in 15 U.S.C. 1691c and pursuant to civil Liability under U.S.C. 15 1692k you are subject to criminally liability for violating 15 U.S.C. 1691c as I have been discriminated and defamation of character by XXXX XXXX XXXX and Jefferson Capital System in response I received from XXXX XXXX XXXX and Jefferson Capital System were discharge of debt XXXX XXXX XXXX XXXX and Jefferson Capital system is in violation of the 15 U.S.C. 1642 U.S.C.1681m and CFR 1002 the parties XXXX XXXX XXXX and Jefferson Capital system isusse application without my knowledge and both parties also discharged debts and but that credit was not issued to me Futuremore because my social security number ( credit card was used and I received no benefits but defamation of character and inaccurate reported and harassed and garnished my pay check. This is proof of fraudulent activity ( anathourtized use of credit card on behalf of XXXX XXXX XXXX and Jefferson Capital system
Product: Credit reporting or other personal consumer reports

I notified the customer XXXX, they are furnishing Inaccurate information on my profile. 
Without permissible purpose, And it is hurting my credit. Under 15 usc 1681b ( a ) 3 ( f ) ( i )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This account should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I received a letter on XX/XX/year> stating my dispute was fraud, frivolous, or irrelevant. My husband received the exact same letter the same day! All of my letters were my words ( not a credit repair company ). I included additional supporting documentation regarding my dispute with very detailed reasons why it should be deleted from my report immediately. It was signed with a wet signature. 

Provide proof of what makes you think my dispute was fraud, frivolous, or irrelevant. 
I request you send my original letter back to me with an explanation of how you came to this conclusion. 

Your letter failed to identify which dispute this is regarding in a manner I could interpret. File number XXXX does not help me find which dispute needs to be resubmitted Your letter failed to inform me of what additional information is needed ( see FCRA 611 ( 15 U.S.C. 1681I ). 

I received an email from XXXX not a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with XXXX and XXXX to freeze my credit because my state ( XXXX  ) XXXX had all of our diver 's license information stolen, along with the last 4 of our SSNs. 

Equifax however could not identify me. So they mailed me a code, which I entered on their web site and they still could not identify me. I then went through an account recovery process that did not work and was directed to call them. 

I called them and answered about a dozen personal questions. They sent me a link to an app to take a photo of my driver 's license, which I did about 10 times, and none of the images were accepted despite the fact that I've worked for a bank doing image verification and know how to capture a good image with my XXXX XXXX XXXX. 

So now my credit is frozen with XXXX and XXXX, but Equifax will not let me freeze my credit. This is ridiculous since all XXXX agencies should have the same information about me. 

This is especially disturbing to me because they mailed me a code via US Postal Service and I entered it on their web site and they still won't accept that I am who I say I am.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on account I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i have attached a copy of my report to this complaint on the following dates XX/XX/2023 I'm now requesting you investigate this account and update these payments to paid on time immediately. 
Thank you for understanding and promp action.
Product: Credit card

I submitted a dispute in XXXX with Citi credit card company for {$5500.00} after being scammed by a contractor who was operating an unlicensed business. The contractor is supposed to build a wood structure and after I paid him {$9000.00} he delivered some sub standard materials and abandoned the project blocking me on the phone and social media. I made XXXX payments through XXXX using the Citi visa  XXXX, one of {$3500.00} and one of {$5500.00}. The {$3500.00} amount was recovered by XXXX. 
After contacting Citi and providing them with all the information needed, they replied that they closed the dispute without solving it. I called citi dispute center to discuss why they closed the dispute and they asked again for the same documentation that I already provided. 
I discovered that my XXXX 's company doesn't even exist and filed complaints against him with the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  and Attorney General of XXXX  but Citi is dragging in recovering my money.

I had to pay another contractor {$1700.00} to remove the materials provided by this contractor.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have attempted to reach Comenity Bank for the last 7 months to dispute the way several accounts are reporting to the credit bureaus XXXX, XXXX, and XXXX. Additionally, I have requested validation of the debts, over the last 7 months, and each month Comenity reports to the bureaus that the debts are reporting correctly. Surprisingly, Comenity is reporting different information, to each bureau, that it is confirming as correct. 

I called Comenity Bank and attempted to speak with a customer service representative about the importance of reporting the first date of delinquency correctly, as that determines when the debt will be removed from my credit file. The representative said, We dont have that information. How can you accurately report something to the credit bureaus if you dont have the information? 

The FCRA requires that a lender that refers an account for collection and notifies a credit reporting agency about this should report the debt 's date of first delinquency to the agency within 90 days. This date of delinquency is the month and year the consumer 's delinquency resulting in the referral began.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Trans Union and XXXX has information and accounts on my credit report that are not mine and they refused to remove them and or delete them.
Product: Credit card or prepaid card

I saw this morning on my credit report JPMCBcredit card it says its chase bank I looked it up I have not applied for credit with Chase bank I need to get it removed from my credit report on my credit report now no money taken yet trying to stop before anything happens its a hard inquiry need it removed
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, CrediBureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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: Credit card

I logged into my account XXXX day and realized that XXXX of my credit card accounts with Chase had been closed. I called to inquire, and I was told it was closed due to inactivity. I asked why I had never been notified. I was told I was notified by mail. I let them know that I was set up for paperless statements and notices, and that I had not received any noticed in my online account inbox or my email. The individual on the phone did not offer to send me a copy of the notice. They simply stated there was nothing that I could do, but that I could reapply for the card. The closing of XXXX of my longest standing credit accounts obviously has an impact to my credit history. Additionally, it has an impact to my available credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX  XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.
Product: Debt collection

Firstpoint Collections is currently trying to collect on 2 debts that I 'm not responsible for. They are reporting these damaging fraudulent accounts on my credit even after I disputed the fraud and sent the police report. This is very unprofessional and is unethical. i fell my rights are being violated as such.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Notice of Civil Liability and Revocation of Authorization and Inquires Dear, XXXX, Experian and XXXX I have tried to resolve this issue multiple times in reference to Inquiries being furnished on my consumer report but see my Federal Consumer Rights are being continued to be infringed upon. 

I am writing to formally address a matter regarding civil liability under 813 of the Fair Debt Collection Practices Act ( FDCPA ) and to notify you of my decision to revoke any authorizations previously given, under the Fair Credit Reporting Act ( FCRA ) and applicable federal protections.

Under 813 ( a ) of the FDCPA, any debt collector who fails to comply with any provision of the FDCPA is liable to the affected person for : Any actual damages sustained as a result of non-compliance ; and Additional damages as the court may allow, up to a maximum of {$1000.00} for individual actions.

In addition, per 15 USC 6802 of the FCRA, as a federally protected consumer, I am hereby opting out of any and all authorization I may have granted, whether in written, verbal, unwritten, or non-verbal form.

Please consider this letter as formal notification of my decision to revoke all authorizations regarding my personal information. 

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

I have submitted 2 previous complaints regarding the internal block Transunion has on my right to access my right to dispute and view my Transunion credit report on line. This matter has hindered my ability to also have an account timely monitored and disputed. My first complaint was filed on XX/XX/year> and the company replied. As of todays date, Transunion has not followed thru with any of the steps stated. See attached.
Product: Debt collection

My bank contacted me to inform me that my identity was stolen and had to come in to set up a new account. After carefully reviewing my credit report my identity was sold and bought illegally. I want these accounts removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Hey, my name is " XXXX XXXX '', I have noticed that I have had collections, inquires, and late payments on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Product: Checking or savings account

From at least XXXX, XXXX to the current month XX/XX/XXXX, my Bank of America checking account ending in XXXX has been charged a {$25.00} maintenance fee on a monthly basis by mistake, and Bank of America customer service representatives has acknowledged and agreed that this is due to an error on the bank 's system. However, the Bank 's customer service representative was unable to refund these fees to me, because he said that he does not have authority to do so ; he could only file a case to the bank 's back office to make sure that this error doesn't happen to me again on a going forward basis.
Product: Credit reporting or other personal consumer reports

GM Financial changed the way they had been collecting our car taxes. They always added our tax to XXXX of our car payments and we paid that way for years. We never had late payments. Our Fico score was XXXX. We learned that our credit score had dropped greatly and called FICO to find out why. They said GM Financial had reported late pay ments. We immediately called GM and were told by their customer service rep that we were not late or missing any payments. I doubled checked all my bill statements and every month had been paid. I then called XXXX to find out what was going on. They said GM reported missing payments for the last 3 months. I again called customer service at GM and again was told that all payments had been made and my account was perfect. I then requested the credit company to initiate an investigation. Soon after we received a call from GE. They said our car tax had not been paid. We said we received no bill. They said they sent a letter saying that they had paid the bill for us and we had to reimburse them and now it was late and they reported it to the credit bureaus. They refused to reinstate our original score. We checked with our city tax collector and they said there were no outstanding taxes due.We called GM and said that in fact that did pay the tax for us, we were never notified that had been done. We strongly feel tha GM should correct our credit report because 1. They never told us they were changing the way they were billing the car tax. 2.We never received the letter they say they sent. 3. They never sent any follow up letter by registered mai or fed ex, or ups with tracking numbers. 4. They said they called to notify us at least 20 times but never got an answer. I asked what number they called and it was a number that was disconnected years ago. They never left any messages on the answering machine and when I asked why they said they could not leave messages as it was company policy. 5. We never authorized them to pay our tax bill. 6. We never got a receipt for their payment. 7.We paid immediately when we were sure that reimbursement was needed. 10. They have still refused to return our credit to the level it was before they proceeded to destroy our excellent score that took years to achieve. Please contact us via email with any questions you may have.
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. 

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 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.