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

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

XXXX XXXX - XXXXXXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion both refused free annual credit report. Called toll free help line and no help just phone tree loop. Requested free annual credit report from the 3 bureaus and only XXXX gave me a report. Request made XX/XX/2023 XXXXCST.
Product: Debt collection

Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar actions shall, not later than 90 days after furnishing the information notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. AFNI has not provided this information, nor have they validated this account after being requested to do so. This account is being reported as " meets FCRA requirements '' when it does not. I have no knowledge of this account and I demand it to be validated.
Product: Debt collection

Dear sir/madam XX/XX/2020 I had emergency situation and went to XXXX XXXX XXXX XXXX NJ . I just found there was unpaid bill send to collection agancy called amerifinancial solutions, Hospital I went was covered by my health insurance, I just found physician visited me at ER is out of network, this is very confusing, When you know Hospital you going is in network and doctor not. I never been told during my visit doctor was out of network, i gave them my insurance card before even I been entered for assessment. Doctor bill is {$570.00} and insurance is denying, XX/XX/2020 was pandemic period when hospitals didnt have enough doctors or staff. Please help me how I can dispute this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$4800.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} ; 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Summit Account Resolution XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear Summit Account Resolution, I am writing to address your [ letter or phone call ] dated XX/XX/2023, a copy of which is enclosed, as I contest the validity of the asserted debt. 

This marks the initiation of communication on this matter, and pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically under section 809 - Validating Debts, I insist on a comprehensive written response providing the following information : 1. A detailed breakdown of the alleged debt and its origin ; 2. A clear and transparent exposition of the calculations leading to the purported amount owed ; 3. Provision of all documentation demonstrating my agreement to the indebtedness ; 4. Identification of the original creditor in question ; 5. Verification or furnishment of any judgment pertaining to this matter ( if applicable ) ; 6. Presentation of evidence of your licensing in accordance with the laws of my state, along with relevant license numbers ( if applicable ). 

I am acutely aware of my rights under both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. It is imperative that you understand : Any imposition of interest or fees is permissible only as stipulated in the original contract and state legislation. 
Your obligation to respond to this dispute is limited to declaring your intent to either cease collection efforts or pursue lawful avenues for debt recovery. 
Pursuing a judgment without adequately validating the debt will be contested in a legal forum, and non-compliance with FDCPA guidelines will be brought to the courts attention. 

I explicitly communicate my decision to record all telephonic conversations, preserve all correspondence, and promptly report any violations to the State Attorney General, the Federal Trade Commission, and the Better Business Bureau. 

Given that I have formally disputed this debt, any reporting to credit-reporting agencies must reflect its disputed status. Failure to adhere to this requirement violates the Fair Credit Reporting Act ( FCRA ) 1681s-2. 

In the event that you do not hold the rights to collect this debt, I demand immediate transmission of this dispute letter to the original creditor for their awareness. 

Concluding, pursuant to section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, I assert my right to be contacted solely via official mail. Any correspondence should be limited to notification of the termination of debt collection efforts or specific actions permitted by law. 

Your adherence to these directives is expected, and I anticipate your prompt and thorough response to this dispute. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Dear CFPB,

I'm contacting you to file a complaint against the XXXX XXXX program card (you can spend the points you accumulate at certain stores like XXXX or XXXX,...) in where I lost ~$XXXX  worth in their point system on XX/XX/2017 due to identity fraud of someone posing to be me (it was obvious fraud because of differing geolocation from where I live) and spending all my XXXX points  in a shopping spree worth $XXXX ($XXXX at XXXX plus $XXXX at XXXX ).


What frustrates me is that XXXX XXXX does nothing about it despite contacting them over 20 times.

Every time I call/email their customer support (I have multiple case numbers recorded) to try to get my points back or at least something resolved, you can tell the customer support representative is going through a memorized script and I can never escalate to a supervisor because they are always "out". They then always proceed to end the call promising that they will call back which they never do- even when I asked them to be specific about the time and day. Every time I call, I always get a different CSR and my case is somehow still on square one despite it being over 5 months "pending".  Below is an example of an email where they give false escalation and time period to when they will contact you back which is never:



---------- Forwarded message ----------
From: 
Date: Sat, XX/XX/2017 at XX/XX/XXXX XXXX
Subject: Resolution for your missing points claim:XXXX 
Thank you for having contacted XXXX.

Regarding your XXXX points dispute, we are aware that you have spoken with us various times. We have escalated this to a higher level with the XXXX Special Team. Please allow us 5 to 7 more  business days to provide you with a final resolution.

We know these points are important to you and apologize for the delay. For your convenience, you can track your points and view your account summary online at XXXX or on your mobile app.

Sincerely,
The XXXX Service Team

-----------------------------------------------------------
XXXX: XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX
-------------------------------------------------------------------------------------------------------------



What makes this even worse is their system security is so poor that, even though I changed my PIN number and got a new XXXX card the next day the identity fraud happened (XX/XX/2017), I got hacked again on XX/XX/2017  saying I  used the XXXX  points I've started accumulating again [not the XXXX points (equivalence of $XXXX) that were lost the first time].

I'm writing to you because this is very frustrating to me in lost money ($XXXX), time (over 5 months), and identity (twice taken) and that XXXX XXXX card is not responding in any way to correct this. I honestly do not think I'm the only disgruntled customer at XXXX XXXX card and that there is something fishy going on with this "rewards program card".  See more horrific complaints on their XXXX page: XXXX

Here is XXXX Rewards website to give you context of what it is: XXXX 
I'd be more than grateful if CFPB could get to the bottom of this.

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : IRS 1099-C Form Received for XXXX Account in Dispute I contacted the three major bureaus, XXXX, Experian, and XXXX, and they did not respond for more than 45 days, despite three attempts to contact them via mail. 

XXXX sent me the last letter on XX/XX/XXXX, and I haven't heard from XXXX or XXXX since. 

XXXX XXXX ( XXXX ) agreed to let me settle my account for {$5000.00}. I received a 1099-C for Debt Cancellation for the remaining {$10000.00} balance, which will be reported as additional income on my XXXX  federal income tax return. 

This XXXX account is currently listed as " XXXX '' on Experian but " Derogatory '' on XXXX and XXXX. 

When I sent my dispute letters to these three major bureaus, I attached the settlement documents I had with XXXX, and it appears that they just trashed it. 

I am aware that federal law requires these three major bureaus to respond within thirty ( 30 ) days, but they have not. 
I understand that the Federal Trade Commission investigates credit reporting agencies that fail to comply with these federal regulations ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with them in order to file a complaint with you. 

I tried to remind them that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov 14,1995 ), they could be held accountable for willful non - compliance. 

Please keep the following dates in mind when I sent them my dispute letters : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your assistance will be greatly appreciated, as their negligence and noncompliance have a negative impact on my profile.
Product: Credit reporting or other personal consumer reports

Experian has inaccurately reported another debt on my report. At this point I want to know how this is possible to do so, I want this debt removed and I IMMEDIATELY will be moving forward with my lawsuit claim because my information is obviously being misused and abused. I just had to go through this with another Company now this a " debt for a company called XXXX XXXXXXXX XXXX. OPENED XX/XX/scrub>/2024. 
I've already told you guys my story, my living situation, my personal information should not be used in anyway concerning any debts. This is mind blowing and quite disturbing. Remove this asap. I feel like I am being harassed by EXPERIAN at this point and mishandled.
Product: Debt collection

On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX  sent me a letter notifying that my credit card I have not used  in two years will be closing due to a recent scan of my credit report.  Urgently, I got a copy of my report and saw that I had  XXXX  outstanding medical bills since  XXXX  unpaid and sent to collections. I had never seen these before. I called the collections agency, Grant & Weber, and after verbal mistreatment they pointed at me saying it was my fault for not receiving the statements. I had moved to  XXXX  different states within  XXXX  years and  XXXX  residencies in  XXXX  of those states. I calmly asked them what rights I have to verify that they had been sending me letters. They told me I had to pay my collections up front. I let them know I was educated to know I had the right to ask for proof of mailing me these letters from collections. They put me on hold and yelled, " I 'm answering this other guy that wants to pay! I have no time for you! '' Because of this treatment, I will fight this and do what is right. If I owe, of course I  would pay to my Dr. 's. No way am I paying these debt collectors. You are a disapp ointment to our people.  XXXX   XXXX , o f Grant and Weber Collections said, " I have  no interest in helping people. '' Well,  XXXX . No one wants your help if it 's going to be harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$38000.00}.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$7500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$2600.00} Open Date XX/XX/XXXX XXXX  XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Account name : XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602A. 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 15 U.S.C 1681C ( a ) ( 5 ) section : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s -2 ( a ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
XXXX NC XXXX XXXX XXXX Date : XXXX To : Consumer Financial Protection Bureau Subject : Complaint Against DataMax for Violations of Federal Regulations Dear CFPB, I am writing to file a formal complaint against DataMax violating my consumer rights under federal laws. The company has engaged in the following actions that contravene my rights as a consumer : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : DataMax has not provided the legally required validation information for the alleged debt. Despite this failure, they have placed a collection on my consumer report, which is a clear violation of my rights. 
2. Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : DataMax has not afforded me the opportunity to dispute the alleged debt, as required by law. This omission demonstrates a disregard for my rights under federal regulations. 
3. False, Misleading, and Deceptive Practices : DataMax has used false, misleading, and deceptive means to attempt to collect a debt, further violating my rights as a consumer.

4. Unauthorized Reporting to Consumer Reporting Agencies ( 15 USC 1681e ( b ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ) : The company DataMax has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. This action demonstrates their noncompliance with federal statutes. 

Dispute of Debt and Request for Information I am formally disputing owing any and all debts to DataMax. Additionally, I hereby revoke all rights for the company to communicate with me through email, text, and phone calls. All further correspondence must be conducted via written communication sent to my mailing address.

I am requesting the following information from DataMax : 1. Validation Information : Proof of validation for the alleged debt as required by 12 CFR 1006.34 ( b ) ( 5 ).

2. Purchase Agreement : A copy of the purchase agreement between then ( DataMax ) and the original creditor. 
3. Proof of Licensing and Bonding : Evidence that the company DataMax is properly licensed and bonded to collect in my state of North Carolina.

Requested Resolution I request the CFPB to take the following actions 1. Immediate Investigation : Investigate the violations of federal laws committed by DataMax. 
2. Correction of Reporting : Ensure the company removes the collection account from my consumer report until they can provide all required validation information and comply with applicable laws. Or delete is all together off my credit report.

3. Compliance Enforcement : Compel the company to adhere to 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 15 USC 1681e ( b ), and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 


Thank you for your prompt attention to this matter. Please contact me if additional information or documentation is required. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

Nelnet.com is the servicer for my loan. 

This was not the original servicer for my loan, but I was told they now are. 

My information on their website states that I have an account already. 

When I try to retrieve my information the site page associated with that is down. 

I am too busy to sit on their ( XXXX ) customer service line as they have hold times greater than ten minutes during the times I am available to talk. 

I am being told I need to start repaying my load this month ( since required payments were on federal hold until recently ). 

How am I supposed to start paying when my new servicer for my loan doesnt have a functional site for me to find my loans to pay on.
Product: Credit reporting or other personal consumer reports

MY NAME XXXX XXXX XXXX XXXX XXXX SS # XXXX XXXX XXXX Todays date XX/XX/year> Looking my credit profile recently noticed a fraudulent credit card ACCOUNT NAME XXXX XXXX XXXX  # : XXXX XXXX XXXX XXXX XXXX ( B ) & 15 USC 1681 1 ( 5 ) I ASK FOR A VALID INVESTIGATION AND DELETION OF THIS ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL Thank you
Product: Credit card

On approximately XX/XX/year>, a company called " XXXX XXXX  '' ran a hard inquiry on my credit. I did not request this inquiry, and I had never even heard of this company. After doing research, I learned that this company is apparently a credit card company targeting individuals with low credit. Others on online fora noted that this company had likewise run hard inquiries on their credit, and it appears the company will sometimes open a credit card in someone's name without informing them or getting their permission. I tried to contact the company but they wouldn't even allow me to speak to someone unless I gave them my social security number, which I refused to do. So I don't have any way of knowing why this company ran a credit check, or whether they are issuing/using financial products in my name without my knowledge or consent. I am currently working with the credit reporting agencies to remove the inquiry from my report, but I am very concerned about what this exploitative company will do given its access to my identity ( and am very concerned about how many vulnerable individuals are likely being harmed ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, 3 Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$800.00}.