23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> at XXXXXXXX XXXX i received called from portfolio recovery associates trying to collect a debt, i asked for the information to be send to the address in record and was told that had been done in the pass ( at this point I hadn't received anything in the mail ) so I request a debt verification. 
This was sent on XX/XX/year> at XXXX via certified mail which was delivered on XX/XX/year> at XXXX. Since I haven't received any of the documentation I asked but upon checking my credit report I notice this company has reported the debt to XXXX and XXXX. 
And kept calling me trying to collect the debt
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the ongoing issue of late open accounts on my credit report. This marks the fourteenth time I have attempted to rectify this issue, and despite my persistent efforts, the inaccuracies persist, causing significant harm to my financial reputation and well-being. Despite multiple rounds of dispute, these late open accounts remain on my credit report, adversely affecting my creditworthiness and financial standing. This repeated failure to address the issue adequately is unacceptable and has caused immense stress and hardship. It is imperative that these inaccuracies are promptly corrected to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Debt collection

XXXX XXXX XXXX Iowa XXXX XXXX XXXX XXXX XXXX XX/XX/year> JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX To whom this may concern I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. Agreement that bears signature of the alleged debtor with promises to pay the original creditor. Complete payment history on this account, to prove that the amount you wish to collect is correct. 
1,038 I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 1, d289 Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent letters to have some personal information that was inaccurate on my credit report removed however XXXX and Equifax has been seemingly ignoring my request.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX  CFPB XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Mar XX/XX/2020, XXXX  add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax credit reporting on XX/XX/2020 to alert that I had some items on my credit report that I was disputing. This was necessary because I knew that I would probably need to secure a loan due to the COV19 issues that were beginning to drown small businesses. Equifax alerted me that they had contacted the companies and the reporting companies submitted automated validation of the debt. 

On XX/XX/2020 I sent certified letters to the companies asking that they provide the same validation to debt to me that they provided to Equifax including documentation in the form of ledgers, signed forms, etc that support the debt. 

The companies did not provide validation in the 30 days as required by the FCRA. Therefore, I sent a letter to Equifax to advise them of the results of my debt validation request. 

I believe that Equifax has not acted in good faith with requiring that the companies valid the debt they are reporting. Secondly, the companies did not act in good faith by providing me with the debt validation documentation that I requested. 

I am now asking for CFPB assistance because these incorrect issues on my credit report are causing me irreparable harm. I am a XXXX Woman Owned XXXX XXXX  and your urgent assistance to survive. Thanks
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX : XXXX Phone : XXXX ( XXXX ) XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX There should only be one address in my report, which is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling.

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX The only job I need listed is : XXXX  XXXX XXXX XXXX Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

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

Experian has failed to fulfill its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conduent, formerly ACS, was a servicer on one of my student loans. When I consolidated my loans with the Dept. of Education, ACS was paid in full. However, they reported that they were not paid and were attempting to collect the debt through collection attempts. When I contacted the Dept. of Education, they informed me that ACS was paid in full and should not have attempted to collect the debt and needed to correct my credit reports. Then I contacted the Ombudsman Dept. who also stated that the loan was paid in full in XXXX of 2014. Although the Dept. of Education showed that the loan was paid in full, ACS refuses to correct my credit report ( late payments, delinquencies ) and it is impacting my credit. I have attempted to resolve this issue with them on multiple occasions without any success. Even though the Dept. of Education and the Ombudsman Dept. informed them that they were paid in full, they still refuse to remove the credit inaccuracies. I need assistance with this matter as I am attempting to purchase a home and it is impacting the lender 's decision. Thank you.
Product: Debt collection

In approximately XX/XX/XXXX, I received a notification from the CRA showing that Jefferson Capital Systems LLC had unlawfully reported a supposed debt to my consumer reports. 

Under the new regulation, REGULATION F, which came into effect on XX/XX/XXXX, Jefferson Capital Systems LLC has violated the FDCPA 1006.30a and its new rule by placing this alleged debt on my consumer reports. 

Around XX/XX/XXXX, I contacted Jefferson Capital Systems LLC and spoke with a supervisor named XXXX on a recorded line. During the conversation, I informed XXXX that I had not received any prior correspondence from his company regarding the alleged debt before it was reported to my consumer reports. Furthermore, I stated that I would not pay the alleged debt without Jefferson Capital Systems LLC providing proof that I am legally responsible for it and that it indeed belongs to me. I requested XXXX and his company ( Jefferson Capital Systems LLC ) to cease all collections activities related to this alleged debt and promptly remove it from all consumer reporting agencies where they have reported this inaccurate, incomplete, erroneous, and misleading information. However, he refused my request. 

I subsequently sent Jefferson Capital Systems LLC a cease and desist notice dated XX/XX/XXXX. ( Please refer to the attached document ).
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penaltyofperjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I did not receive a single notice about a debt that is attempted to be collected, was served legal papers suing me without notice, and is charging me more than what I owe and tacking on legal fees. Yes I messed up and take full responsibility for my failure. Now I get a court summons and have to figure this out as I go. Also I just learned they can not contact you at work and they called my work phone and harassed me at my job demanding I speak with them about my debt even though I stated this is my work number and I was at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX Account NumbeXXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I paid this debt off with Arcon Credit Solutions in XXXXXXXX XXXX XXXX yet they call, email and send letters harassing me about this debt. 

I am sure they are a non compliant collection agency and should be shutdown.
Product: Credit reporting or other personal consumer reports

PREFERRED LEASE XXXX XXXX  {$4600.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDU {$2700.00} XXXX US DEPARRMENT OF EDU {$1500.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files.
Product: Credit reporting or other personal consumer reports

TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

These Fraudulent inquiries on my credit report are not mine and must be removed and blocked : 1 ) Transunion Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion Inquiries - XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : [ List what you are enclosing ] Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ XXXX XXXX
Product: Debt collection

Hey, I am XXXX years old and I have a collection from Professional Credit MA located in XXXX, AR for the amount of {$160.00} that is reporting illegally on my credit. I was not old enough to have signed a contract, at that time I was 14 years old and right now it is hindering me from moving forward in my life while I'm trying to establish my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This falls under a breach of 15 US Code 1681s-2, which outlines the obligations of entities providing information to credit bureaus. They failed to furnish me with prior written notice regarding the account before including it in their report. Consequently, I insist on the removal of said account from my credit report due to my disagreement with the alleged debt. 

Furthermore, their actions run afoul of my rights as specified in 15 U.S. Code 1681b ( 2 ), which delineates permissible purposes for consumer reports. They reported the account without my authorization and misused my social security information. Thus, as a victim of identity theft, 15 US Code 1681c-2 obliges the blocking of such information unless I explicitly grant permission in writing.

According to 15 US Code 1681a ( 4 ), consumer reporting agencies are bound to uphold my privacy rights. Regrettably, your organization has breached my consumer privacy by publicly disclosing this data without my consent.

I urgently request the immediate removal of this account from my credit report.
Product: Debt collection

Capital one agent enrolled me into payment program offering up to $ XXXX  monthly payments and then they took over {$1800.00} from my account.Entire conversation was recorded .I demanded my refund they stopped responding
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account XXXX was illegally reported during a " covered period '' XX/XX/2020 this account was reported 30 days late during the covered COVID-19 period. This is a violation of 15 U.S.C 1681-2 ( f ) ( ii ) " covered period '' means the beginning period XX/XX/XXXX and ending on the later of ( aa ) 120 days afterXXXX XXXX ( I ) report the account as current.
Product: Mortgage

I just want to make sure Wells Fargo did not use my name and likeness to open unauthorized accounts under my name or change my mortgage without my knowing.
Product: Credit card or prepaid card

On XX/XX/XXXX I called and requested a Credit Line Increase for my Apple Card from Goldman Sacs. That request was denied for the following reason : " Your XXXX credit report shows you have recently been reported as past due on one or more account ( s ). '' I do not have any " recent '' late payments from my credit report. Last late payment being reported is 5+ years ago thus making this justification false. While still on the phone I attempted to get the reasoning behind this. I was told the issue was escalated to " underwriting '' to get an answer. 

Today, XX/XX/2023, I got a call from Apple Card. The person was calling from their cellphone and engaged in what can only be described as " Stone Walling ''. She refused to provide any information, refused to transfer the call to a Supervisor/Manager ( likely as she was unable to transfer from her cell-phone ) until she hungup on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to address this matter in the most amicable manner. I sent the enclosed statement ( included on the bottom of the email ) on XX/XX/XXXX and your company failed to address this matter. 

Today is XX/XX/2021 and you are still clearly avoiding to correct your mistake. 
I sent a dispute letter which was received by your company on XX/XX/2021. Your response was dated XX/XX/2021 which is more than the allowed time frame allowed by the FCRA, therefore I demand that you remove the information from my credit report immediately. If you fail to fulfill my request and if you continue to flagrantly violate the FCRA I will pursue legal action against your company. 


XX/XX/2021 To Whom it May Concern, This letter is a formal notice that GENERAL REVENUE CORP has failed to respond to my dispute letter of ( XX/XX/2021 ). I sent this letter registered mail and have enclosed a copy of the return receipt which was signed by was signed for by XXXX XXXX  at XXXX XXXX on XX/XX/2021 in XXXX XXXX XXXX The item was signed for by XXXX XXXX. ( Tracking # Tracking Number : XXXX ) As you are well aware, federal law requires Creditors to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with GERNERAL REVENUE CORP I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. The following information therefore needs to be verified and deleted from the report as soon as possible : CREDITOR AGENCY - GENERAL REVENUE CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this erroneous item from my credit report as soon as possible. Sincerely,
Product: Checking or savings account

On XX/XX/XXXX, my personal belongings, including my wallet and phone, were stolen from my locked car parked at my residence. Despite my efforts to secure my possessions, a theft occurred, resulting in a series of unauthorized transactions using my financial accounts linked to these items. These fraudulent activities persisted undetected until XX/XX/XXXX, as I received no alerts or notifications from my bank about the unusual transactions, leaving me unaware of the situation. 

It was only after my account funds had been completely depleted that I was notified via email. Upon discovering the extent of the unauthorized transactions, I filed a claim with my bank, seeking restitution for the financial losses incurred. Unfortunately, my claim was denied on the grounds of alleged irresponsibility in safeguarding my sensitive documentsa claim which I find unjust as the theft was beyond my control. 

In response to the theft and the subsequent denial of my claim, I filed XXXX separate police reports to document the criminal activity and provided these reports to my bank as evidence. Despite this, my efforts were met with further denial from the bank. I am now in urgent need of recovering my money and am seeking a resolution to this distressing situation.