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

Credit Inquiries that are not mine and/or unauthorized. 

My credit report was locked and inquiries have been reported on my credit report that I never authorized or applied for. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2023 I requested documentation to establish a clear legal or equitable right to make a claim on account they are reporting on my consumer report and requesting claim for acct XXXX. This isn't the first or 2nd time, Dividend Solar keeps reporting improper on my consumer report. Also I requested the same information from XXXX XXXX XXXX XXXX XXXX ( XXXX ) for accounts XXXX & XXXX. XXXX still have not responded to my requests
Product: Debt collection

On XX/XX/2021, I was reviewing my credit report and to my surprise I noticed Jefferson Capital Systems , LLC reporting a charge- off account on my credit file in the amount of {$2500.00}. So, I wrote the debt collector Jefferson Capital Systems , LLC a letter asking this company to validate the debt they are saying I owe their company on my behalf. The collector failed to validate the debt under 15 U.S. Code 1692 ( g ) Section 809 ( b ).

The collector failed to provide a valid basis for the debt, such as the original contract/agreement, promissory note between Consumer and original creditor, bearing Consumer wet-ink signature. 
The Collector failed to provide me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above -alleged account. The Collector failed to provide an affidavit signed under XXXX XXXX XXXX that Collector or any agent ( XXXX ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act. 
Jefferson Capital Systems has been harassing me, committing mail fraud and identity theft for using my identifying information on behalf of this alleged debt.
Product: Debt collection

I am unaware of this alleged debt that was placed on my XXXX, and XXXX XXXX report ( See PERFERRED LEASE XXXX XXXX ) and I did not receive proper notification of this debt which violates 12 CFR 1006.34 ( B ) ( 5 ) ( See XXXX XXXX ) Debt Collectors must notify you within 5 days of receiving your account. THIS HAS NOT BEEN DONE. I also have not been given a chance to dispute this debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ( See XXXX XXXX  ) If you, PERFERRED LEASE believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. If this information can not be provided. I want this alleged debt removed from all my consumer reports effective Immediately.

This is really disheartening to know that PERFERRED LEASE can overlook the laws and rules that says that in order to place an alleged debt on a consumer report the debt collector MUST contact the consumer on the Consumer Financial Protection Bureau site. ( See XXXX XXXX ) I have found information that clearly states that debt parking is illegal and that a debt collector can not park a debt on a consumer report without first contacting the consumer in the connection of the debt. ( See XXXX XXXX ) To validate the debt, I am requesting the following information : The original sales agreement pertaining to the debt in question. PERFERRED LEASE license and documentation proving your authority to collect this debt from me. 

Additionally, I request my written consent for PERFERRED LEASE to have my NPI ( Non-Public Personal Information ) social security number, date of birth, address, and the contract that I agreed to publish the alleged debt to PERFERRED LEASE. Please be advised that this request is not an admission on my part, but rather a request for validation of the alleged debt. Upon receipt of the requested information and verification of its accuracy, I will then be in a position to discuss resolution. Please provide the requested documentation within the timeframe specified by the FDCPA. No validation of the alleged debt may result in taking further action to protect my rights. 

Thank you. 
XXXX XXXX XXXX
Product: Checking or savings account

I was the victim of 23 instances of fraudulent electronic withdrawals from my checking account between XX/XX/21 to XX/XX/21 for a total of {$11000.00}. The withdrawals said either -- Payment XXXX XXXX  or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The bank account is held at Community Bank, NA in XXXX, Vermont. The bank phone number is XXXX and the address of the bank is XXXX XXXX XXXX, XXXX, VT XXXX. 

I have contacted the bank branch manager, the local police ( XXXX, Vermont ), and the FBI.
Product: Credit reporting or other personal consumer reports

I submitted formal disputes to TransUnion, XXXX, and XXXX regarding inaccuracies on my credit report, specifically identifying the accounts in question and providing clear details about the errors. Despite their legal obligation to investigate and respond under the Fair Credit Reporting Act ( FCRA ), it has now been over 30 days with no response from these agencies.

Under FCRA Section 623 ( a ) ( 3 ), furnishers of information must update accounts to reflect a disputed status during the investigation. This obligation has not been met, resulting in continued misrepresentation of my consumer report.

Additionally, the inaccurate reporting of the 'date of last activity ' on this account violates Section 605 ( c ) of the FCRA , as this date should correspond to the last payment made rather than an arbitrary date, misleading creditors and consumers alike.

Furthermore, the collection agency associated with this account has failed to provide sufficient validation of the debt as required under FDCPA Section 809 ( b ). This repeated failure undermines the accuracy and fairness of my credit report and violates my consumer rights. 

I am attaching copies of the original letters sent, along with relevant documentation. I respectfully request immediate action to correct these violations and ensure compliance with federal regulations.
Product: Credit card or prepaid card

RE : XXXX XXXX, Ginnys, Seventh Avenue, and Monroe and Main. 

I tried several times to request a plan with this company through a debt counseling company, they denied me and kept my account open and wracked up interest and late fees. They finally accepted but will not close my account or reduce my payment as agreed upon. They are reporting to the credit bureau incorrectly however the credit bureau has not taken action and neither has the company. The account is still showing open on my credit report and the payment is still not correct. Also, they have not reported me to the credit bureau for several years and consequently have no idea who I am paying through the debt management company, They refuse to verify the debt. They do not answer my calls either. Again, no action has been taken and my student loan is at stake.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  accounts XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX, XXXX XXXX account number XXXX, and Department of EducationXXXX account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I opened a checking and savings with Chime after I saw they were advertising they offer Free OD Protection called XXXX XXXX. Then later they declined two transactions at different times that were well under the {$20.00} they supposedly allow you for OD fees!! I called and shut both accounts down today due to their false advertisements. I wont do business with liars and deceivers! And the banks wonder why no one uses them!!! After I requested the accounts be closed and both have 0 balances and there are no outstanding payments XXXX the chat rep took forever to do what I asked intentionally dragging all out then sending the attached texts. Then Im the end said they would be closed in XXXX days!! Then sent this email making it look as if THEY had reviewed and closed my account to try to make me look bad and avoid accountability for their false advertisement and lousy service and products!! I want the accounts closed NOW and I want you, the FTC and IL Attorney General to go after them and fine and shut them down g go or false advertisement and not closing my accounts timely!! I used to be a Personal Banker and know what the process if closing an account involves, it is the click of a button, they are just trying to hang onto the accounts!! I am SICK of the crooks in this country as ALL are getting away with their deceit and taking advantage of all of us!!!!
Product: Checking or savings account

TD BANK Blocking me from enabling external applications. I need access to my financial data.
Product: Debt collection

I have tried at LEAST 4 times to get a company in Florida to take off this bill of XXXX. It was fraudulent. I found out and immediately went to my bank. First Horizon checked into the company, and determined it wasnt me, it was fraud. I have sent in my paper from the bank to XXXX XXXX and its STILL on my account. Im NOT paying this bill, because the Fraud Department at my bank said I wasnt responsible. Im really tired of seeing this collection. I have no money, I applied for disability and just waiting now. Its XXXX thats all I know about this company. The bank called and it was disconnected. 
I need help ASAP. 
Thank you, XXXX XXXX
Product: Debt collection

This ELAN FINANCIAL SERVICES account I do not recognize the account the way its reporting to all three major credit agencies XXXX, XXXX, & XXXX it does not meet the fair credit reporting act regulations. The payment status, the payment history, the past due balance, current balance, date opened, date last active,, the date of first delinquency are not correct and in some instances they are completely missing. How is this accurate reporting? Please can we do a proper investigation and fix this to reflect it in the proper picture of my credit report worthiness. 
I currently have multiple disputes with all three credit agencies regarding this account I uploaded photos the account in question. 

My rights as a consumer are being violated under 15 U.S. Code 1666b Timing of payments 15 U.S. Code 1681i ( 5 ) removal of inaccurate/ invalidated credit information
Product: Credit reporting or other personal consumer reports

Equifax Information Services has violated consumer my rights by sharing and furnishing an account ( XXXX  ) account number ( XXXX ) that is fraudulent on my credit file that they maintain under my social security number. I am attaching the FTC statement, to address the account ( XXXX ) account ( XXXX ) that is fraudulent. Please remove the XXXX  ( XXXX ) account off of my credit report. This account was not open by me. Equifax Information Services has verified the account multiple times stating that it is verified as mine. This is now willful violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

We used a local mortgage company to pre-qualify for our home. Experian apparently shared our information with various lenders. I have been receiving non-stop, unsolicited calls for the last two days. I also received the following text. " Hi this is XXXX from XXXX XXXX wholesale division. I know I caught you at a bad time. Experian contacted us letting us know that your credit score is XXXX and you qualify for wholesale pricing on the mortgage. I can send you numbers here and will not bother you during the work day. Let me know if you were looking to take cash out or purchase a new home. Thank you. '' I did not authorize Experian to share my information with anybody. What I do should not be made publicly available or sold to any third parties. This is ridiculous. 

I tried calling Experian. Their IVR would not put me through to a person to enable me to resolve it directly with them.
Product: Checking or savings account

Chase closed my checking account with a positive balance. My account had a negative balance. On XX/XX/XXXX I contacted Chase to let them know I was aware of the negative balance of about {$100.00} ( mostly NSF fees ). I let Chase know that my direct deposit would hit within 2 weeks. On XX/XX/XXXX, I received confirmation that my direct deposit had posted. I also received confirmation that the payment to my Chase credit card that I had set up for XX/XX/XXXXXXXX  was successfully deducted from my checking account. The next day I tried to make a purchase and found out that chase had closed the account. I called customer service and they told me to call the collections department. I was never told that my account was in collections. All I had received was a text message or an email reminding me of the overdraft, which prompted me to contact Chase on XXXX. Anyways I called the collections department and was lied to that the account was closed on XX/XX/XXXX. It was still open on XX/XX/XXXXXXXX  and my direct deposit posted. It was still open on XX/XX/XXXXXXXX  when my credit card payment was deducted. After the account closed, Chase reversed the payment that had posed on my credit card account and immediately charged me {$29.00} for non payment. The payment was made and Chase was still holding XXXX of dollars hostage. I told Chase I would not pay the {$29.00} late fee because I wasn't late. The collections team arrogantly informed me that as a result of the closure I would not be able to open another account. They should have informed me on XX/XX/XXXXXXXX  and I would have opened a new account and set up my direct deposit to go through that account. I had to wait for days to get the money that Chase held hostage for no good reasons. The lady in collections also lied saying that I was a bad customer with multiple accounts closed. Last year or in XXXX, I closed one of my accounts myself. It was a prepaid account that I used for online purchases on sites I didn't trust. Chase converted that account into a checking account. Since I already had a checking account, I asked Chase to close it, because I didn't want to continue paying {$1200.00} a month for an empty account. That doesn't make me a bad client. I also remember that my savings account was converted into a checking account that I didn't need and was closed with a {$39.00} balance or less. These were fees that Chase had put on the account. I've been banking with Chase for decades. But it looks like unless you are a drug dealer or money launderer with millions, Chase doesn't care if you have food on XXXX. It's ridiculous that my account was closed for less than {$100.00} even though I contacted Chase to let them know money was coming in and the account had a positive balance when it was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes letters asking this credit bureau to provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.

I have only received letters stating that the account have been " Verified '' I have also asked for a description of the verification methods and the names and phone numbers of the persons who supposedly verified the account. I have never received such information.

These are the accounts that I'm disputing and for which the credit bureau have not provided a satisfactory resolution per the FCRA. 

*XXXX XXXX XXXX XXXX XXXX Acc # XXXX *XXXX XXXX XXXX XXXX Acc # XXXX *XXXX XXXX XXXX , XXXX Acc # XXXX *XXXX XXXX XXXX Acc # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file an complaint against XXXX, XXXX  and Second Round, LP for : Failing to keep accurate tradeline on my credit report, Refusing to provide Method ( s ) of Verification and information requested by me. Refusing to remove inaccurate tradelines when Second Round LP, did not provide sufficient requested info to back up their claim of alleged debt. XX/XX/XXXX I submitted a dispute with XXXX XXXX XXXX on XX/XX/XXXX I received a letter in response to my request for validation of said debt ; this notice listed XXXX XXXX as the original creditor and second round Lp as the current creditor with new account number XXXX ; listing the account open dateXX/XX/XXXX. In reponse to this onXX/XX/XXXX a request for validation was sent to second round Lp. After reviewing my credit report The issue of inaccurate negative trade lines submitted by Second Round, LP is still being reported. On XX/XX/XXXX I contacted them via phone and was alerted that the said debt had been Transferred to XXXX XXXX XXXX. Second Round LP, did not provided any solid documents to back up their claims. Second Round LP, was not the original creditor and they claimed they purchased this alleged account in XX/XX/XXXX Second round/ XXXX   failed to provide any valid affidavit ( s ). XXXX & XXXX further let Second Round LP to make another/ recent entry to mark " OK '' Current status, next to section 30 days late/ 60 days/ 90 days late, as " an new information '' / reply to my dispute. I did not make any payment to Second Round LP ever. This company, Second Round LP, which I hold no contract with nor have received any goods or services from, coninues to report collection accounts against my social security number in the amounts of {$3000.00} to XXXX  & XXXX  credit reporting agencies. I requested verification and validation of the alleged debts from both the credit agencies and Second round however the business failed to provide adequate proof/validation. This business does not have and has never had contracts with me for goods or services. They have not provided adequate proof of any obligations to pay the alleged debts. Account level detail and billing information is not valid proof of a contract. Where is the binding contract showing that I allegedly owe these debts? This company is in violation of the Fair Credit Reporting Act because they are reporting inaccurate and invalid information to the credit bureaus under my social security number. I demand that they remove all accounts from my credit report immediately, and cease all reporting in the future. Second Round LP is in violation of the Fair Debt Collection Practices Act because they are trying to deceive me by providing non verifiable and invalid information in order to collect money on debts that they are alleging to be mine without any contractual proof. This company did NOT provide me with a copy of any signed contracts for goods and services. I would like to have the inaccurate negative tradelines submitted by Second Round LP, to be removed from my credit report. Thank you.
Product: Student loan

Regarding your suit against Navient, after the death of my son XXXX XXXX, XXXX, I found he had been paying student loans for his late wife who died in XXXX, payments being billed by Navient. Her mother thought this strange and called XXXX University Loan Office where she was informed all loans were paid in full as of XXXX. The XXXX XXXX Loan Office indicated any loans were discharged with her death XXXX, XXXX. Navient would give her no satisfactory reply indicating they would only send information to the current address on record, which is my son 's address. I believe that the estate of my daughter-in-law and quite possibly those of other deceased students have been defrauded by Navient.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account XXXX : XXXX
Product: Debt collection

As owner of a closed XXXX, debt collection firm has posted debt collection action and assigned it to me personally though I didnt personally guarantee any contracts, agreements, or other financial obligations. I have legal representation and with their consent I state that the debt is not legally mine. My credit score has been damaged and I seek either outright cessation of action or if absolutely necessary a negotiated agreement.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt BondaXXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion and XXXX. 

Please delete the following accounts : XXXX Account Number : XXXX Balance : {$7400.00} XXXX XXXX Account Number : XXXX Balance : {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry from Credco reported 5 times on my credit report. I don't know why that was authorized. I have called the fraud department at Credco in XX/XX/ and XX/XX/ to have it removed. They were difficult and did not resolve the issue. I have called the XXXX  number and spoke to someone that could not resolve the issue. It has been extremely frustrating between being constantly transferred on the phone through many representatives, but no one can fix the issue.
Product: Credit card

Self builder account hasnt been accessible for about a week. Ive contacted customer service support and was given no information on why my account is in such status. I recently paid a balance of {$120.00} XX/XX/XXXX and now my account is blocked.
Product: Checking or savings account

Overdraft fees were applied to my accounts between the years of XXXX, from navy federal . In addition fees were applied when my account was satisfied of any/all pending transactions.
Product: Debt collection

Tranfer acc to another lender never did a Contracts with Afini, XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX also was never inform about this decisions, also calling me people that I dont know calling my job never receive letters the main company never discus with me nothing per hippa law my information shout be private not to send to people that never did Contracts with them also dispute all this on XXXX past more that 45 days no info receive?