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

RE : Remaining items To whom it may concern : XX/XX/2017 This letter is being written to dispute the account below in attachment which i have done several times. You have responded by stating that the creditor or collection agency verified the inquiry or account. I have contacted the collection agency on several occasions as well and they have yet to respond to my dispute. Therefore your company could not reach them concerning this debt. The Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well verify its accuracy. If the inquiry or account could not be verified, your company must delete & permanently remove the inquiry or account from my credit report immediately. If you can not show proof that you can not verify this debt and you continue to list this item on my credit report i am prepared and will sue you under The Fair Credit Reporting Act. If you refuse to respond to this letter or theirs another verified letter sent out to me, your company will be prosecuted in a court room where you will face charges for violating The Fair Credit Act, FACTA, and falsely using my identity to defraud my name without my consent placing errors on my credit file. I am allowing 48 hrs turnaround after receiving this message. This is not an attempt to collect a debt nor a threat. The inaccurate errors is listed in an attachment. Please continue below to see the inaccurate inquiries and accounts that remained on my credit file. Accounts reporting inaccurately are 1. XXXX, 2. XXXX Inquiries reporting inaccurately : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX XXXX
Product: Debt collection

Columbia Debt Recovery LLC dba GENESIS first reached out to me via text message from the number on XX/XX/XXXX. The text identified itself as an attempt by a debt collector to collect a debt but provided only a last name and the name of an apartment complex that no longer exists as the creditor ( the building appears to have been sold in XXXX XXXX XXXX and renamed by its new owners ). I called the number provided and spoke with a representative who only provided an account number and asked me if I would pay the debt ( to which I replied " no '' ). Neither the text nor the representative reached through the number XXXX informed me of any right to dispute the debt, nor my rights regarding validation of debts.

I mailed the attached request for debt verification to Columbia Debt Recovery LLC dba GENESIS on XX/XX/XXXX requesting all information included therein and asking them to acknowledge the account as under dispute as of writing. I sent this letter out the same day with USPS Certified Mail and purchased an additional Certified Mail Receipt. This communication to them was left with an individual on XX/XX/XXXX at XXXX. Despite this, Columbia Debt Recovery LLC dba GENESIS has reported my account to the XXXX credit bureaus as of XX/XX/XXXX without having ever attempted to verify or validate the debt, by mail or otherwise.
Product: Credit reporting or other personal consumer reports

I have previously submitted numerous requests to your company to reassess the inquiry on my credit report, which I believe to be erroneous. Are you not obligated to conclude such investigations within 30 days of receiving them? I am aware of instances where companies have accessed individuals ' credit without a legitimate purpose, and I have yet to receive any verification of such reasons from your organization. I have made attempts to reach each of the companies listed, and the majority have no record of me whatsoever. How can they claim a legitimate business purpose to access my credit if they are unaware of my existence? 

XXXX XXXX XX/XX/XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. Despite these attempts, the erroneous details continue to appear, and no corrective action has been taken. 

Failure to Investigate ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The credit bureaus have not completed the investigation within the required 30-day period, leaving the inaccuracies unresolved. 

Inaccurate Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The information reported on my credit report remains inaccurate, as the credit bureaus have not ensured its maximum possible accuracy. 

Outdated Information ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus have continued to report outdated information past the time frame required for removal.
Product: Debt collection

L.J. ROSS & ASSOCIATes falsely accessed my consumer file fraudently without permission nor permissable purpose. 1. Provide validation of the debt, that is, the actual accounting.

2. Verification of their claim against you, that is, a signed Invoice. 
3. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information. 



I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? 



I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 



If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 



I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 






15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 


( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Cease and desist and my legal counsel was contacted. THis company is not licensed to collec tin my state.
Product: Debt collection

This is in reference to a fraudulent charge recovery request from numerous collection agencies, which XXXX XXXX is fraudulently claiming I created on XX/XX/XXXX. XXXX has never tried to contact me by phone, or at the address where I reside concerning this account in any way whatsoever. I have never opened an account with XXXX, or been in a XXXX store, or ever contacted XXXX concerning service. I had refuted the charges to XXXX, XXXX, and XXXX. XXXX  and XXXX did remove the fraudulent charge, but XXXX  will not remove the fraudulent charge without consent from XXXX XXXX. This charge has been tossed around from XXXX debt collector to another. When I got a letter from XXXX XXXX XXXX. I refuted the charges and sent them a written notification that I do not own the debt and will not pay. The charge is then passed on to Jefferson Capital Systems LLC., I refuted the charges and they pass the fraudulent charge on to XXXX  XXXX XXXX XXXX XXXX again, I refuted the charges. And the circle continues. 
I have contacted XXXX fraud department by phone ( XXXX ) and was told, by a representative, XXXX, on XX/XX/XXXX that the account exists but has not been used. I was told, by XXXX, that my name and social security number will be removed from that account, and the reporting agencies notified, and that I would receive an email stating that it has been cleared. I informed the XXXX representative that I have never lived at the address listed on the fraudulent account, and I have never seen, or not familiar, with the telephone number listed as the contact number. I have not heard from or been contacted by XXXX fraud department since this call. 
I recently received a threatening letter from Jefferson Capital Systems concerning the debt and that they can sue me and will continue harassing me about this charge. ( Letter attached ). I need my name and social security number disassociated with this fraudulent charge and the credit reporting agencies updated.

See attachments :
Product: Credit card

I recently applied for a CHASE SLATE card and received a letter stating that they needed government ID to verify my address. I provided a copy of my driver 's license and Pa Voter 's ID card to verify it along with a copy of my Social Security card to verify my identity. When I called back today, I was told these were n't sufficient under the " Patriot Act. '' There is a Post Office connected to my building and I explained that XXXX credit reporting has put an incorrect warning in my file that my address is a mail drop location. I advised CHASE of this but they did n't seem to want to review things further. I 'm very legit, I work in Law Enforcement and offered to provide copies of additional credentials but to no avail.
Product: Debt collection

I have a collection of {$420.00} from XXXX XXXX XXXX. This is fraudulent activity. The collection is for a XXXX XXXX XXXX. My middle name is XXXX, not XXXX. There is also an address listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I have never been to this place let alone resided at the property. I spoke with a debt collection and explained the issue at hand. They are not willing to assist me and asked where my police report is. I have never been a victim of fraud, so I did not know what steps to take. I plan to file a police report this week in response to the fraudulent activity on my account. I have a lease agreement showing that I lived at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) from XXXX XXXX XX/XX/2023. I have never lived or been to an XXXX XXXX XXXX. This is a case of identify theft, and no one seems to want to work with me to resolve this issue. I have filed a police report with the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May  Concern : This letter is in response to your recent claim that XXXX XXXX XXXX  XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

-Public Records section of my report indicates there is a claim of : " US BKPT CA XXXX XXXX XXXX XXXX Chapter XXXX-XX/XX/XXXX '' This Bankruptcy was filed by my estranged husband and I was jointly thrown into it illegally since I was simply an authorized user, yet shared no accounts. Then, I am told, the Bankruptcy, was revised into a Chapter XXXX repayment plan to include his business entities and so on. I have explained this over the phone many of times and only received generic correspondences from Transunion regarding my concerns and this complicated scenario and yet each time they shut me up and blindly verify whatever they see and leave the Public Record there on my file for their own protection. I was not a part of his Chapter XXXX repayment and owed no debt to the trustees. Please understand, I am not responsible for the county clerks irresponsible record keepings! I have immaculate credit and I am a great consumer and this is damaging my credibility and credit score. The Chapter XXXX turned Chapter XXXX combination is found under another name, closed by trustee. The debt has been repaid in its entirety, he has provided the information to me to pass along to you ; Chapter XXXX Bankruptcy, XXXX docket # XXXX. The change in circumstances are hurting me as the false record is even nearing over 9 years old, please remove it. Also, the information where it claims the original Bankruptcy was in XX/XX/XXXX is also inaccurate, it was filed with an attorney, though later changed, in XX/XX/XXXX. 

Also, there is personal informations appearing on my credit report which are not true and I would like them removed immediately because I have no idea who these people are and what has occurred at these addresses as they have NOTHING to do with me and are compromising my integrity. I have no association with these names or home or work addresses. Please delete the following as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Ca
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX Balance : {$470000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$470000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$470000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020 during the start of Covid I lost my wallet and it took about 3 days before I received it back. It somehow appeared back at the location at the counter. I did not file a complaint because I ended up finding it. Ever since then I kept seeing random inquiries populate on my credit report. Ive tried to dispute them but Im not getting any feedback or help. This has been so stressful as its damaging my credit. If you guys need the accounts that I do not recognize I can list them.
Product: Student loan

On XX/XX/XXXX I submitted a SAVE application, to date it has yet to be processed. During this time MOHELA has been reporting interest to the credit bureaus although there is 0 % interest accrued while in administrative forbearance. I contacted the company via telephone on XX/XX/XXXX after being notified by my credit monitoring company that there was an increase in my loan balance due to the interest being applied. The representative apologized and said she'd have to transfer me to the Department that handles credit corrections. I was never able to speak with a representative and the issue was never fixed. I can still see the interest reported on my credit report. 

I strongly believe MOHELA is purposely dragging its feet on processing SAVE applications so they can charge additional interest to accounts. Four months has already passed and there has been no progress on my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of the Fair Credit Reporting Act : XXXX XXXX XXXX XXXXXXXX Acct : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX has violated several of my rights. 

15 U.S.C. 1681 section 602 A : Clearly states that 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 an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Credit card

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT To whom this may concern your company XXXX/COMENITY/VICTORIA is violating my consumer rights, breaking the FDCPA and the FDCRA. Your company also is furnishing inaccurate and incorrect information to the consumer reporting agencies. The report of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 

15 usc 1681 congressional finding and statement of purpose Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 usc 1681a ( 2 ) definition rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The above law states that my consumer report does not consist of TRANSACTION OR EXPERIENCES between me the consumer and you the person making the report.
Product: Debt collection

Not enough information to involve me to " debt '' Furnishing False inaccurate information to credit reporting agencies Cease and desist all communication resulting from this alleged debt. I am not requesting any further validation of alleged debt as obtaining nonpublic personal information without my lawful authority has occurred and constitutes as non aggravated identity theft 18 USC 1028A. I have reasonable cause to believe that National Credit Systems Inc. are conspiring to collect unlawfully through fraudulent allowance of my identities use.
Product: Credit card

My Aunt passed away on XX/XX/2016 we had a joint credit card with Discover Card. For months I have been trying to cancel the card, the bill and get a check from Discover Card for the {$32.00} credit balance. Despite my mnthly calls I can not get them to take corrective action
Product: Bank account or service

I had fraudulent charges to my checking account, upon me discovering this I contacted JPMORGAN Chase and they refunded the charges and fees associated with the fraud. Several weeks later I received multiple notices from them stating the charges were not fraud and they were immediately removing all funds they had reimbursed. I immediatelywent into a branch to discuss the situation and was told that because I have budget application my phone that randomly updates connected to the account they show a " log in '' into the account that they assume I reviewed all charges every time the app updated and I did not report the fraud immediately that it is no longer fraud. Now the account is severely overdrawn and they are demanding payment and threatening to charge off and report.
Product: Student loan

I recieved a call from Navient this past XXXX regarding my past due payment from my private loans of Salllie Mae ( Navient ). They have been recieving all my payments both send the payments to the federal loans that Navient recently adquired. I have been sending my payments to the same place since XXXX without any problem. I have been sendind double payments bacause I was trying to paid them before the time according to my already schedule payment. I never got a phone call or a notification of any changed in my account. Due to the problems with hurricane Maria XXXX and the lost of many of the comunication here I didnt noticed that the payments wasnt going to the right place. I talked to different numbers of Navient looking for an explanation and to try to understand what they can do to fixed all these situation. I call them every week to see if they can help me always got this answer your credit is going to be affected if you dont pay again but I see all the payments youre telling me here ( Navient system ) ; but we need the payments to dont charge you late fees
Product: Mortgage

Unfortunately, I am writing to you again about Ditech. They have failed to correct my account. In fact, they sent us a large envelope with papers stating we are behind on our mortgage along with some hardship documentation. I have been paying our mortgage religiously every two weeks. Moreover, I have attached documentation to prove it. Furthermore, they stopped posting our payments on their site. The payment history from Ditech is showing our last payment to them was on XXXX XXXX, 2016. However, I just made a payment toward our XXXX payment on XXXX XXXX, 2016. I still need them to correct our account. We are not late on any payments. I attached the bank statement showing we have already paid half of our mortgage payment for XXXX, on XXXX XXXX, 2016. Can someone help us, please? The last customer service representative I spoke with told me Ditech had up to XXXX XXXX, 2016 to correct our account. Today is XXXX XXXX, 2016, the account is still incorrect. You will also see how the monthly statements are changing. Why is so hard for them to correct our account? I am so tired of dealing with these people. They are crooks. Help!!!!!