23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Anytime I have talked to someone and asked them to help verify the debt and if its even mine for better information for me to review they have only told me a date of service and a hospital or clinic name. I can not verify if I actually owe this or if my insurance made the payments etc. There was an insurance change the providers needed to work through therefore any debt during these times should not have been moved over to collections and likely could have been paid. 

I spoke to someone, a gentlemen I dont remember the exact date but possibly in late spring early summer of XXXX  who was very rude and wanted nothing to do with helping me determine this was actually legitimate or for me or someone in my family. When I continued to ask for assistance he got rude and told me it was my problem and to pay my bills I explained what happened with the insurance and some other things the hospital was waiving payment for due to the financial assistance and wanted to make sure the hospital didnt already remove that as to which he didnt care. He started to fight and yell at me on the call that he would have to send it so they could prosecute me in court for this debt if I didnt figure it out. How can I figure it out if I dont have all the information I need? He said the dates were on there but I saw no dates or actual dates of service just a date they had possible the date they got the debt? I am not sure, I told him if he wasnt going to help me help them to just stop calling. I finally had to hang up because I was so upset by the conversation and feeling cornered. I have gone back in my phone records and do not see anything since XX/XX/XXXX of being contact again by then regarding this. I did not see additional letters either come to me son figured they must have figured it out. I then today got a letter saying I needed to make an acceptable payment arrangement for these.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

Lexis Nexis has failed to fulfill its legal 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. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where LexisNexis has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as LexisNexis inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX TRANSUNION SOLUTIONS XXXX XXXX XXXXXXXX XXXX PA, XXXX Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report as prepared by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. CXXXXe XXXXi, I am entitled to dispute errors and request an investigation into the accuracy of the information. 
The specific item ( XXXX ) I am disputing are as follows : XXXX. [ Creditors Name or Account Name ] o Account Number : [ Provide account number if available ] o Dispute Reason : [ Briefly explain why the information is incorrect. For example, " This account was paid in full, '' or " I have no knowledge of this account. '' ] I have included copies of supporting documents ( e.g., payment receipts, correspondence, or statements ) that substantiate my claim. Please review these documents and conduct a thorough investigation into this matter. 
If the disputed item ( XXXX ) can not be verified or corrected, I respectfully request that it/they be removed from my credit report as required by the FCRA. Additionally, I would like a written confirmation of the results of your investigation and an updated copy of my credit report. 
Below are the inquiries : 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Thank you for your prompt attention to this matter. Please feel free to contact me if additional information is required Sincerely, XXXX XXXX XXXX
Product: Debt collection

To whom it may concern I am requesting that your company discontinue its efforts to collect on the above account. By law you should not continue to collect on a fraudulent account, that I have filed a police REPORT, FTC, AND ALSO CFPB REPORT, ALL DOCUMENTS are attached an included .Please remove This fraudulent account thats is not mine and I did not open immediately Fraudulent account : Sequium ASSET SOLUTION ACCOUNT NUMBER : XXXX 1681c - Blocking of information resulting from identity theft ( a ) except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of identity Theft report. Ive attached a active police report this is not my account and was not open by me ( e ) exception for verification company section ( a ) states a check service company shall not report to a national consumer reporting agency described in section 1681a a company shall not report to a nation consumer agency if any information identified in subject identity theft report as resulting from identity theft
Product: Credit reporting or other personal consumer reports

Back in XXXX i have a debt in hospital that i paid back in XXXX they take it out off credit report a year later came back i send this letter to experian last year take it out now is back again is the same account they always put it back and the now i paid this account
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The Experian and XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}.
Product: Debt collection

This company is trying to collect {$840.00} and {$730.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Credit reporting or other personal consumer reports

Please help me... Back on XX/XX/ i obtained my credit report and noticed i had some inaccurate items being illegally reported on my credit report. I sent off dispute letters to the 3 credit bureaus asking them to do a thorough investigation and verify these items were mine. That responded a little over a month later saying after their investigation that the items very accurate. I sent off another letter XX/XX/ asking them to priovide me with what METHOD OF VERIFICATION did they use to obtain this information and verify that these items are mine. I ask them to provide me with the contracts with my signatures showing proof that these items were mine and that if they couldnt provide me with what method of verification, contracts and my written signatures, to please delete the inaccurate items that are being reported on my credit report.. 
To this day, XX/XX/ they have yet to not only reply to my request for what METHOD OF VERIFICATION they used to determine that these items are mine, but also have failed in the timely matter according to the FCRA to respond and provide me with the appropriate documents. Please check into this. They have made my life a living XXXX. I have been denied credit because of the inaccurate repoortings on my report.Because they have failed in the appropriate time frame to provide me with the METHOD OF VERIFICATION they used in their investigation and copies of my signatures and contracts, i recommend these items be deleted immediately. Thank you. XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018 American Express APPROVED me for a Platinum Card with a {$550.00} annual fee. I applied for an American Express Blue Cash Card on XX/XX/2018 with NO annual fee and they declined me. Even though American Express used the same exact credit report with the same exact information to use in the XX/XX/2018 application as they did on the XX/XX/2018 application. The only reason American Express approved me for the Platinum card is because they know I will pay the annual fee. I have had eight American Express cards in the past few years, all in good standing, ( I closed them ). In American Expresses recent responses to my CFPB complaints they have been untruthful. The fact that they used the same credit report to approve me for a card with a {$550.00} annual fee and declined me for a card with No annual fee. This action shows that they are just trying to extort more fees out of me. The reason in the prior complaint I asked them to waive the annual fee is because they have shorted me XXXX membership points. They have done nothing to rectify this. American Express is a big company, and it is easy to overlook unethical practices. XXXX XXXX thought they could get away with it, but they got caught. I am hoping American Express will as well. They are very unethical with extremely terrible customer service. The Platinum Card they approved me for on XX/XX/2018 has since been downgraded to a Gold card with a {$250.00} annual fee. My credit & scores are actually a lot better since XX/XX/2018. My XXXX XXXX score ( XXXX ) .. XXXX XXXX score XXXX. XXXX Score fico XXXX is ( XXXX ) which American Express uses. XXXX ( XXXX ). American Express needs to be seriously looked into for ethic violations. Even though American Express used the exact same credit report to Approve me for an annual fee card & declined me for another. Maybe American Express is treating me unfairly because of my ethnicity. I can not think of any other reason other than extortion why they would treat me unfairly.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you 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. Please block/remove these files. 

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

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. Experian did not provide me proof nor did they send me copies of documents or anything validating these accounts. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 168li ( a ) ( Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? 

I demand the following accounts be verified or removed immediately. 

XXXX Account # XXXX Validate Account XXXX Account # XXXX Validate account Thank you for your time and help in this matter. 

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

I am very upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. elow are the disputes that need to be from my credit report : Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud. 

1. XXXX XXXX, XXXX ( Account # XXXX ) 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 

2. XXXX XXXX XXXX ( Account # XXXX ) 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
FDCPA section 807 Violation misleading false reporting 3. XXXX XXXX XXXX Account # XXXX ) 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

Misleading false reporting, unverifiable and inaccurate reporting. This is a duplicate account which is a FCRA violation. 

4.XXXX ( Account # XXXX ) 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Under 15 U.S.C. 1681i ( 7 ) Method of verification, this account is in violation, it was reported without valid evidence. 

5. XXXX XXXX  XXXX ( Account # XXXX ) 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX. Account XXXX : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

INVESTIGATION REQUEST LETTER To whom it May concern.

I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities. All three Credit Bureaus are reporting the incorrect and different credit scores. XXXX, Experian, XXXX XXXX have all been reached out by me and contacted. Some people are reporting things on me I never verified. 

Are you Familiar with something called the 15 U.S.C. Sec. 1681i ( a ) I heard if you cant provide proof of these accounts to verify if they are correct. So, could you please check on these and get back to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is reporting 2 accounts as collections on my credit report. When I went on their website, they stated the accounts aren't within their office but with other collection companies whom I have no knowledge or even have been sent something in writing about. Nor do they list any acct numbers on their site.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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

I am reaching out to express my concerns about the security of my personal information. On multiple occasions, I have noticed details on my report that do not pertain to me. I have identified specific cases of incorrect information that need to be investigated, as the data mistakenly associated with my report actually belongs to another account.
Product: Debt collection

I do not owe this company any money they sent in a lease and a list of things that are owed that they made up but bylaw they need to send a validation of debt. I have no wet signatures and they claimed taxes and filed. They also claim I owe them water but on my lease it states I pay my own water bill with XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted a representative from Trans-union and notified them of credit inquiries that were run on my credit report without my knowledge do to an error with trans-union. The representative was unhelpful in assisting me in removing these unauthorized inquires.
Product: Credit reporting or other personal consumer reports

Experian closed ANOTHER complaint without addressing the problem and yet again give explanations that are ridiculous and have absolutely nothing to do with the problem which is Experian NOW has stolen almost 19 months of on time never late payments to XXXX and refuse to give them back
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX and XXXX XXXX were deleted from my credit report as a result of a credit dispute initiated by myself. 

Since this time, XXXX XXXX and XXXX XXXX have continued to report negative inaccuracies to all the major credit bureaus causing myself to lose opportunities for home equity loans, credit cards, and more. Ive had to sell my house I was renovating, however without a bank loan, Im not able to complete from personal funds. However, whenever ai decide to apply, I see XXXX XXXX and XXXX XXXX reporting inaccuracies to the credit bureaus. The credit bureaus who deleted these accounts as a result of the investigation are also negligent in this case because they deleted these accounts after an investigation in XX/XX/XXXX. There should be no way to report accounts which have been investigated and deleted. I have sent over 15 hand written letters to all parties and these accounts are investigated and deleted but only for maybe 6 months or maybe up to a year, until they re-appear. XXXX XXXX continues to sell my personal information to debt purchasers unlawfully. These debt purchasers, along with the original creditor, has filed a 1099C for cancellation of debt, but have not provided the consumer with a copy and has continued to report the debt. This is the same for XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX. XXXX has reported to the major credit bureau on XX/XX/XXXX, they are moving my account to collections. This after the account had been charged off and cancellation of debt completed with the IRS.
Product: Credit card

US Bank XXXX credit card charges a {$75.00} annual fee, and the main reason i paid for this fee is because the card provides a benefit ( last night free on point stays, when booking XXXX or more nights XXXX. 

This benefit was taken away, and no refund of my fee has been offered. I 've asked and have been told that they can not refund the fee. I paid the fee based on this benefit, and want to cancel my card now as this was taken away. I want my fee returned XXXX.
Product: Debt collection

IC systems of XXXX minnesota violated FCRA by placing an item on my credit report without my knowledge. i DO NOT owe this money. They violated FCRA did not notify me of this alleged debt in writing or verbally and I DEMAND IT BE REMOVED IMMEDIATELY! I DO NOT OWE this amount and I AM NOT responsible for it. IC systems violated the law and needs to be investigated. This item is FALSE and needs to be removed immediately.