23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate XXXX  XXXX Account on Credit Report Due to Identity Theft To Whom It XXXX Concern : I am writing to dispute an inaccurate XXXX XXXX  account that is being reported on my credit report by TRANSUNION, XXXX, and XXXX and to demand its immediate removal as I am a victim of identity theft. 

The fraudulent account in question is : XXXX XXXX [ Account Name, Account Number as it appears ] This XXXX XXXXXXXX account does not belong to me. I believe I am the victim of identity theft and did not open or authorize this account. I am requesting that it be removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow proper procedures to promote maximum accuracy on consumer credit reports. By continuing to report this inaccurate XXXX XXXX XXXXccount after being notified it is not mine, [ Name of Credit Bureau ] is violating the FCRA, specifically 15 U.S. Code 1681e ( b ), which requires them to follow reasonable procedures to assure maximum possible accuracy of the information on my report.

Furthermore, the Fair Credit Billing Act prohibits creditors from continuing to attempt to collect debt that is a result of identity theft once it has been reported as fraudulent. By continuing to report this XXXX  XXXX account, TRANSUNION, XXXX, and XXXX is also violating this law. 

I have enclosed supporting documentation showing I am the victim of identity theft, including : [ List documents enclosed, such as ID theft affidavit ] I demand that TRANSUNION, XXXX, and XXXX conduct a reasonable investigation into this disputed XXXX XXXX account information as required by law and immediately remove the inaccurate account from my credit report. Please also provide me with updated credit reports from all three national bureaus once the item is removed. 

I appreciate your prompt attention to this serious matter of identity theft and credit report inaccuracy. Please contact me if any additional information is needed.
Product: Debt collection

I recently pulled my credit report I am unfamiliar with the debts ( 2 ) listed from this company I was never notified of any collection I called the number on the website ( XXXX ) XXXX I pressed ( 0 ) for an operator because i didnt have an account number when speaking with a Representative about the alleged debt once i verified my identity the rep imminently start trying to collect a payment for the alleged debt when I asked for a supervisor the rep then got rude I was placed on hold then line disconnected
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require correction or deletion. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contested these 2 collection files from Cavalry LLC :  XXXX XXXX On neither of these files is Cavalry able to supply me with documentation that I authorized the charges. I have contested the bill with the companies XXXX XXXX which charged me tuition for a course I did not attend ; and the XXXX charge represents an incorrect appliance order.There is no written documentation with my signature showing that I authorized either of these bills.
Product: Debt collection

To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint against Jefferson Capital Systems Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Jefferson Capital Systems for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Jefferson Capital Systems placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with Jefferson Capital Systems, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Jefferson Capital Systems provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Jefferson Capital Systems is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

The date on my consumer report indicating that I opened an account with Jefferson Capital Systems is blatantly false. I neither received any services or products from Jefferson Capital Systems nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights.

Moreover, it has come to my attention that Jefferson Capital Systems is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.

The actions of Jefferson Capital Systems constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions.

Please keep me informed about the progress of this complaint, and want to thank you for your time! 
Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I was contacted by someone, unbeknownst to me at the time, that was impersonating Chase and called from a spoofed Chase number. They explained they were calling about a debit charge in the amount of {$96.00} made in Utah. I saw the charge on my account and confirmed this was fraudulent. They went on to explain that someone had also attempted to make 4 different wire transfers to 4 different XXXX XXXX accounts, 3 of which went through. I confirmed that was also not me and they proceeded to walk me through the process of stopping the wires, when in actuality they were authorizing them. Two wires in the amount of $ XXXX and $ XXXX were sent out on XX/XX/XXXX and a third in the amount of $ XXXX went out on XXXX. On XXXX, I realized I had been speaking to people impersonating Chase and immediately went to a branch to have the account closed and the funds recalled. The Chase claims department is implying that authorized and/or received benefit from the wires, which is inaccurate. As Chase is aware, the transactions were fraudulent and we acted with urgency to alert Chase to the matter and their failure to act quickly to precent further fraudulent activity further contributed to the losses. In addition, it is over 2 weeks since the fraudulent transactions have occurred and Chase has failed to provide updated status of recalled transactions. In addition, the Chase claims team and wire transfer teams have provided conflicting updates during my daily calls. Just yesterday, I received an update on one of the fraudulent wire transfers for $ XXXX that was posted to my replacement account despite my repeated requests to halt the transaction that was originated on the original, now restricted account. I have also been advised several times that a Hold Harmless letter was required by the beneficiary bank XXXX XXXX to return the funds to my account which Chase has failed to act upon. I have been told by Chase claims supervisor that the letter is standard and that they were not sure why it wasnt sent. As of today, XX/XX/XXXX, there is still no update on 2 wires totaling $ XXXX. This is extremely disappointing and is further evidence of Chase negligence that contributed to any losses I may incur.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A Geo rgia State Tax Lien  (  XXXX   XXXX   Superior Court ) is showing  on my credit rep ort. Tax Lien is   showing as filed  XXXX / XXXX / 2013 . I do not a delinquent tax/tax lien with the state of Georgia. I am requesting this tax lien be removed from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

This account was closed XX/XX/2023, but is constantly updating as if it is still active and open. This is not fair and it is impacting my approval odds for a house, i feel it is only fair to remove this account from my report there since nothing else is seeming to work in my favor.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in 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 with the necessary proof of investigation. 

Here are the accounts that are marked inaccurate : 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

We tendered lawful money to discharve alleged debt said to be owed by my " deceased '' husband and has been awaiti g the ceryification of release/duscharge from XXXX XXXX XXXX and Their Atty XXXX XXXX XXXX since XX/XX/2017. It more than a year and no response, only to receive a letter from CARRINGTON MORTGAGE SERVICES say if I want to deed the house pver to them then they will not auction it ... this was like a thu derbolt ... .shocking! We were not notice by XXXX of who this CARRINGTON MORTGAGE people are, no notice from them how they came to have control of my file. Also I was never noticed of a pending auction of my home. We learnt of this from co versation with other people and Reators. No proof given that I have been defaul or neglictful in this matter.
Product: Credit card or prepaid card

This account was sold to a 3rd party. That 3rd party is and was reporting to the credit bureau. I have tried to resolve this with the org company and they have continue to tell me to call the 3rd party. The 3rd party is not the one reporting Inaccurately. This is preventing from me getting a mortgage and needs to be resolved ASAP
Product: Debt collection

15 U.S. Code 1692c - Communication in connection with debt collection XXXX XXXX XXXX  - XXXX Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/year> Open Since XX/XX/year> Ownership Individual Current Balance {$12000.00} Monthly Payment - Original Creditor XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

My paypal account was hacked. Someone went in and transferred out {$9900.00}. I called paypal immediately when I saw that and they disputed then said they don't cover transfers. Called their cyber security department they said they would look into it and then I never heard back from them. My average spend on paypal is about {$25.00}. They said this was a normal transaction and it was someone in XXXX that the money was sent to. I can't even read the name.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX   Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : DP OF EDUC XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX DPEDXXXX  XXXX XXXX XXXX XXXX  XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of  {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. I am extremely upset with XXXX XXXX XXXX XXXX unfair practices. I contacted and updated my employmentinformation 2 and half months ago with them. Your system says it isstill pending. I called previously numerous times to check on status if it was update and still to no avail. I recently, once again called to check again for updatesand the agent told me that they do not have my job informationin the system. She took my job information and was advised that they will contact my employer to update the payment plan again. However, recentlyyou placed the balance of {$660.00} on my credit file in whichI never received any letter or call in regards to you reporting this on my file. This is unacceptable. I have done my part to ensure that you are up to date with my job and this is how you treat fathers. 

You can't treat law abiding father 's with this unfair practice. We have a voice. We matter so do the right thing. There should be a full investigation into this matter.
Product: Payday loan, title loan, or personal loan

GoodLeap is a predatory loan company. Additionally, consumers are paying for products that do not work. I have tried to talk to them about refinance or cancellation and they say no. This stems from XXXX XXXX XXXX XXXX abruptly closing their business. Now, I am paying the loan ( {$200.00} ), large electricity bills ( {$400.00} - {$600.00} ) and for another company to come get my solar equipment back online ( cost unknown at this time ). The manufacturer guarantee only covers the panels themselves, not the service, the service should have been completed by XXXX but they no longer exists. Executives from XXXX have already moved onto new solar companies while leaving their existing customers with faulty equipment and large loans. 

I took out a $ XXXX loan & started paying on the loan in XX/XX/2018. To date, I have paid {$8800.00} & only reduced the loan by {$2200.00}. Their finance charge is {$20000.00} for a $ XXXX product. In the end, 18 solar panels that do not work, will cost me $ XXXX. None of this was made clear up front. I have only spoke with one representative at GoodLeap who was helpful, she said if I make an additional principle payment that same day as my other payment, they will not take out additional interest. At any other time, they will take out the interest first. My current payment is {$77.00} principle and {$120.00} interest. When I asked for a break down of the loan to see how the interest and principle would be distributed over the life of the loan they said that was not available. 

I do not want to stop paying the loan, I care about my credit. However, I can not afford the loan, large electricity bills, and possibly a new solar company costs. 

Please help the many people impacted by XXXX faulty equipment and bad business practices as well as GoodLeap and their predatory loans. Especially, during a time when green energy is a popular investment. This a SCAM and consumer should BEWARE!
Product: Debt collection

So I visited XXXX XXXX  Imaging, XXXX to get XXXX   XXXX  done because I've been diagnosed with 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 
Anyways I had to get about XXXX XXXX  done along with a XXXX and I'm planning on getting XXXX more because I had XXXX for my condition in XXXX. Now I'm covered under XXXX under the XXXX XXXX XXXX XXXX. I checked with both my insurance and the XXXX XXXX XXXX to make sure I was fully covered. They both verified that the cost would be fully taken care of. I also wrote my insurance information on all the paperwork asked of me and after they sent me a bill asking for my insurance information which I promptly submitted back. They had my information. 
After that I received no word about the bill till I received a noticed from a collection agency in Iowa called Business Revenue Systems , Inc . They not only failed to properly inform me that they were going to send my bill to collections but they also never contacted my insurance even though I gave them that information more than 3 times. 
Their lack of communication has directly impacted my XXXX XXXX and they were effectively trying to take advantage of my vulnerable condition for financial gain. Funny enough if it wasn't for my insurance 's quick actions and forcing XXXX XXXX XXXX to work with them, my situation would have never improved. 
Also this isn't the first time they abused their customers! XXXX reviews has countless accounts of poor women like me who were scammed out of money and had their credit scores ruined because they never contacted the patients about their debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, and XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate late payments listed on my credit reports for XXXX to XXXX regarding Capital One Bank, account number XXXX, and account number XXXX by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and XXXX  via the online dispute portal. USPS verified that all my requests were received. To date, I have not received any compliance/information/proof or verification method to my requests within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. 
Therefore, I expect all these items will be removed from my credit files immediately.