23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2021 Phoenix Financial Services reported a debt to the credit bureaus under their own name in violation of MA General Laws 209 CMR 18.17 : Unfair Practices ( 11 ) a debt collector to report to a consumer reporting agency ... in the debt collectors name.

They failed to inform me they had purchased the alleged debt or give me notice as my rights under federal and state laws in violation of the FDCPA and FCRA.

After discovering their reporting I sent them a 93A Demand notice and Validation of Debt request ; informing them of their illegal attempts to collect a debt not owed. 

They replied to this demand with the statement " the account information we provided is accurate ''. 

They failed to provide any documentation to validate their claim of a past due debt, they failed to provide any ownership of the account and they failed to remove their listing from my credit report. 

I sent a second 93A Demand informing them of their continued illegal activities and failure to provide any validation of their claim. Under MA General laws they were required to remove their listing and cease all collection attempts. 

They replied to this second notice with an invoice demanding payment due on this fraudulent account. 

I sent a third notice via certified mail XXXX of 2021. They have failed to reply whatsoever.
Product: Debt collection

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 RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom it may Concern, Iam writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items JPMCB CARD XXXX # XXXX JPMCB CARD XXXX # XXXX JPMCB CARD XXXX # XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 



Sincerely, XXXX XXXX XXXX XXXX [ Enclosures : Copy of ID, Proof of Address, Supporting Documents ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX SC, XXXX XX/XX/1985 Last 4 of SSN : XXXX XXXX XXXX To Whom It May Concern, On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were ( INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : I have sent proof that there is a substantial amount of errors on my credit file varying from ; XXXX, TransUnion, and XXXX. I have done so more than once. My credit reports still reads errors, which goes against the FCRA. 
( FCRA states all items reported by a furnisher must be 100 % ), and you still refuse to remove those accounts. Every piece of information I provided was/is enough for items to be removed. I attached an updated report that shows that after the first investigation, even when the credit reporters said their investigation was completed, they did not update any information and my report still reads the same thing. 

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


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

Dear Consumer Financial Protection Bureau, I am writing to submit a formal dispute regarding inaccurate address information on my XXXX  consumer file, as allowed under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have identified several inaccuracies in the address, phone, and email details, which are adversely affecting my ability to ensure the correct and timely delivery of important correspondence. I have attached my original letter as well as the XXXX drafted today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XX/XX/XXXX GM Financial to make sure the payments and overages were being applied correctly to my account. The young man said they were and not to worry. GM Financials online dashboard was not working on two different browsers. I asked for the break down of principle and interest then pay off. He assured me the payment overages were being applied properly and split between XXXX XXXX XXXX. I checked my online account the next day and it showed a past due balance, when I was paid ahead. I called GM Financial asking where that came from and was originally told not to worry. It was a glitch in " XXXX '' their inhouse system. That on their end she could see that my account was current. A few days later it still showed past due, I called GM Financial asking what was going on and was then told an employee had made an unauthorized payment reversal for XXXX, XXXX That my account now had late fee 's and was past. I asked why and after being transferred to three different agents nobody could tell me who or why it was done. I was told " He was not authorized to do that, were working to fix it. I asked several times if this would hit my credit and informed them I was going to be making a purchase in XX/XX/XXXX that I put a non refundable deposit down. The agent told me it " absolutely would not be reported because I was not late, and they notated it on the account ''. I was told they didn't know why the agent reversed it, but it was fixed, not to worry. My future purchase would be safe. I paid off the remaining balance of the loan on time XX/XX/XXXX. In XX/XX/XXXX I was setting up financing on my previously named future purchase. We checked my credit and it shows GM Financial reported me 30+ days late XX/XX/XXXX. I called GM Financial and was told to hold on, and they hung up on me after opening my account ... Twice. The next day a GM Financial rep told me that she could see that someone had tried to check the payment leger and reversed the payment and tried to reapply it. She said he wasnt allowed to do that, and reapplied the payment he reversed on his own doing wrong. Sending my account into a fraudulent past due status. On the recoding i have she states " Its their " GM Financial 's '' fault and it should have been caught and fixed the previous times that I called. However there wasn't much they could do since it had hit my credit ( XXXX points ) Someone from GM Financial would call me to explain how to fix it but it would take 45 days and I would lose my cash deposit on my future purchase because they made unauthorized changes to my previous payment. Not much other than " Yes its our fault but not much we can do now '' phone call was recorded on my end.
Product: Debt collection

I've reviewed this debt the medical company is trying to claim. I requested signed proof of those services. They have yet to provide those documents of services rendered. I know they aren't mine due to the dates they claim service was done. They failed to provide me anything and went straight to report my account to credit bureaus. My account was fraudulently used. I have a company I hired to investigate. This transaction is damaging my score and need this removed. They failed to provide docs which is a federal fair credit act.
Product: Credit card

I went bankrupt XXXX years ago. mostly credit cards debt one of which was Capitol One. after a year, I was getting offers from other credit some for {$300.00}, others were for {$1000.00} and one was {$2000.00}. what surprise me was an offer for {$10000.00} from Capitol One. I was going to sell my home but the deal fell through. My home is now in foreclosure. I foolishly borrowed {$8000.00} from Capitol One before forclosure. WHY DID THEY OFFER ME {$10000.00} CREDIT IN THE FIRST. DO I HAVE ANY RECOURSE???? THANKS FOR READING THIS
Product: Debt collection

Previously, disputed account because account reports inaccurate. First mistake that I notice is that account is reporting " account not disputed '' this is false because account has been disputed! Credit Report shows that XXXX creditor is reporting account as " Payment after charge off paid collection purchased by another lender '' This is not possible if account is reporting as paid why would account be sold to collection and report as open account status while in collection and being derogatory. Account is a mistake itself. I have not received any documentation verifying debt as mine and information reported on credit report being correct. More than 30 days have passed and no documents have come in the mail. I have attached copy of letter along with current and previous credit report to assist with request. This documents have been sent to you by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I applied for a Mortgage back in early XX/XX/2023, was given an approval, the Pre-Approval letter expired XX/XX/2023. The offer I had made back in XXXX on the house was accepted XX/XX/2023. When my mortgage broker pulled my Credit Scores, Experian did not have a score for me. They lost my car loan. I have called them several times since then, and my loan officer on the car loan called them. As of XX/XX/2023, I still am not showing a credit score with Experian
Product: Credit reporting, credit repair services, 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 FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

All components are incorrect with the balance per account which 0lays a negative im0act on my credit information
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Innovis, XXXX XXXX XXXX and XXXX reports and i noticed accounts on there that don't belong to me and addresses as well. 
Accounts. 
1 ) XXXX XXXX XXXX {$560.00} opened in XX/XX/XXXX 2 ) XXXXXXXX XXXX {$72.00} opened inXX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX{$860.00} 4 ) XXXX XXXX XXXX XXXX date opened XX/XX/XXXX{$870.00} 5 ) XXXX XXXX XXXX  `date opened XX/XX/XXXX{$620.00} 6 ) XXXX XXXX XXXX XXXX date openedXX/XX/XXXX {$400.00} 7 ) XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$400.00} wrong addresses 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 ) 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX0 6 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong phone numbers 1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX 5 ) XXXX  Inquiries I didn't allow 1 ) XXXX 2 ) XXXX/ XXXX XXXX  3 ) XXXX XXXX XXXX 22 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX   7 ) XXXX XXXX XXXX XXXX  8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX  11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX   14 ) XXXX XXXX XXXX  15 ) XXXX XXXX XXXX 16 XXXX XXXX XXXX XXXX XXXX 17 ) XXXX XXXX XXXX XXXX 18 ) XXXX XXXX XXXX  19 ) XXXX XXXX 20 ) XXXX XXXX XXXX 21 ) XXXX XXXX XXXX  22 ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/2020 I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX- Account number XXXX/XXXX  XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised by my credit reporting company to get copies of my credit reports. 

I requested 3 reports. It only showed my XXXX report, but not the other 2 reporting companies. 

I am unable to identify information that is on my report, ( lack of company names and identifiable information ). 

I was unable to get through to Annual Credit Report. 

Unable to speak to a customer service rep. 

Unable to resolve. 

There is no place on their website to request all three to be mailed, only print, the only one was XXXX, NOT XXXX XXXX or Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

VOLUNTARY REPO OF A CAR BY XXXX. They falsely state their terms of their loan. They sold the car for {$700.00} and want me to pay almost {$10000.00}. XXXX and XXXX XXXX has deleted from my credit report but it still remains on experian. They are also in violation of the arbitration clause.
Product: Credit reporting or other personal consumer reports

THERE ARE STUDENTS LOAN ACCOUNTS ON MY CREDIT REPORTS THAT DO NOT BELONG TO ME. I HAVE I HAVE CONTACTED ALL 3 CREDIT AGENCIES AND HAVE NOT RECEIVED A RESPONSE YET. THE DISPUTE WAS SENT OUT ON XX/XX/year>.
Product: Credit card or prepaid card

This started on on XX/XX/XXXX / i get paid from my employer on a weekly bases / so i make weekly payments to all my credit accounts/ when i got this card i was only given a {$500.00} limit / so when i use it weekly my balance gets high so i make payments weekly that way i have avil credit to use the card and to gain more rewards / i made a payment on XX/XX/XXXX amount XXXX / then the follow week i was about to make another payments however i noticed my avil bal was lower and didn't reflect my balance / so i called XX/XX/XXXX talked to a rep and she stated it was due to me making weekly payments and only 2 or 4 % off all payments we held / and she was able to release the funds since i had a good history / and she advised me that i would need to call in to make a debit card payment since they don't hold those payments / so i made a debit card payment onXX/XX/XXXX for {$120.00} and it wasn't held / so then on XX/XX/XXXX i didn't have time to hold to talk to a rep to do the debit card payment so i did it online / then when making a payment onXX/XX/XXXX i noticed they held the funds from my account again for the full amount of this payment / called and was told sorry no one you can talk to about this to call back and talk to a payment dept / So i tried calling todayXX/XX/XXXX due to my acct having a {$20.00} balance but only having {$210.00} avil out of my {$500.00} credit limit / this is really effecting my credit utilization and as well all these payments have been cleared from my bank over 7 days / i talked to a rep today and she didn't know what was going on / was on lunch break and told her i had a short time to talk / so she put me on hold / and didn't come back / so i had to hang up and go back to work / this has been such an issue and no other banks have put me thur this and this has to be resolved!!! i'm sure im not the only person in this world that makes weekly payments.
Product: Consumer Loan

I had a great experience with my car loan through Ally Auto - until it was paid in full. Back in XX/XX/XXXX, I receive the title to my vehicle once my balance was a XXXX. In XX/XX/XXXX, I tried to sell this vehicle. When I filed for a duplicate title, I found out Ally still had n't released the lien on the car. I 've contacted them 3 times & have requested 4 different formats of the lien release & have yet to see it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo XXXX issues in Colorado XXXX XXXX, XXXX XXXX, handled my account, I ran up a bill totaling around XXXX and could not pay it on time because I was hurt somehow in the Town of XXXX and XXXX to leave. 
Ended up changing address this happened in XXXX. 
Wells fargo could not reach me and by the time they did it had already gone to collections. We tried to settle but they gave us a very hard time. 
I also had Issues with XXXX XXXX XXXX and XXXX with a girl named XXXX XXXX from XXXX XXXX XXXX Florida. 
XXXX XXXX who works for the XXXX XXXX XXXX in NY. may also be involved in something. XXXX XXXX of XXXX XXXX XXXX might know something t
Product: Credit reporting, credit repair services, or other personal consumer reports

Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to eliminate & block any accounts or information which is found to be opened due to identity theft. The disputed item does not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account below : XXXX XXXX
Product: Debt collection

i was getting letters about owing several companies but never open the accounts on my report
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this account as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX
Product: Credit reporting

As part of the XXXX, this account should not be listed on my credit report, or it should be shown on my credit report as a XXXX balance. XXXX correctly shows this, but Equifax continues to publish the following incorrect information : '' Since your last update on XX/XX/XXXX, XXXX account has been added to your credit report. 
Account Type Date Opened Credit Limit Balance Reported ByXXXX Mortgage XX/XX/XXXX N/A {$190000.00} Equifax '' Also, see attached.
Product: Credit reporting or other personal consumer reports

I have had this kovo account for a while now. I usually pay on time since its {$10.00} a month but months had went by of me not receiving any reminders or notifications of any upcoming payments, I even had an issue logging in due to change in phone number and could not get help from anyone to get back in my account. I was able to log in months after and saw it was past due. They also reported late payments on my credit which had drastically caused a dropped in my credit score. There isnt even an option to pay the account off so you can be done with it. I didnt want anything else to do with kovo after trouble getting my account, I just wanted to pay off once I was able to log in but no option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX Balance {$380000.00}
Product: Credit reporting or other personal consumer reports

Identity theft I was just released from prison XX/XX/XXXX and was incarcerated 19 years its no way possible for anything on my credit report have been made by me.I would like for everything to be removed from my credit report or I will be contacting the attorney general if needed!!!