23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal dispute regarding the collection of {$1700.00} by MRS BPO LLC on behalf of Spectrum, which has been mishandled and has severely impacted my credit score.

I have made repeated attempts to contact MRS BPO LLC to address this issue, but my efforts have been largely ignored. On the one occasion when I managed to speak with a representative, I was assured that the company would follow up with Spectrum to verify the validity of the debt. Additionally, I was told that the collection account would be reported to the XXXX major credit bureaus as being under dispute, and that it would be removed from my credit report until the matter was resolved. 

Despite these assurances, MRS BPO LLC has failed to follow through on either of these actions. Instead of reporting the account as disputed and removing it from my credit report, MRS BPO LLC has continued to report the account as delinquent. This has caused my credit score to plummet by XXXX points overnight, which is entirely unjustified given the unresolved nature of this debt. 

This lack of response and improper handling of the situation is unacceptable and has caused me significant harm. I request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that MRS BPO LLC properly investigates the validity of this debt, reports the account as disputed to the credit bureaus, and rectifies the negative impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inaccurate account and they keep verifying that it is accurate when all actuality it is not. This account should be closed and should have a XXXX balance. This account was transferred to another servicer. The attached reports were all ran on XXXX. I want this account removed immediately per FCRA 15 USC 1681e ( b ) : Accuracy of report 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. The credit bureaus and FedLoan are both reporting inaccurate information and i want the account removed from all consumer reporting agencies and files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened this XXXX  account many years ago. I paid it off when I moved overseas. While living overseas `I was a victim of identity theft. I made several attempts to contact this company while overseas but to no avail. I even ended up paying most of the outstanding balance which was not my collection.
Product: Debt collection

According to the Fair Credit Reporting Act ( FCRA ), you are obligated to conduct a thorough investigation and provide a response within 30 days. However, I allowed an additional 30 days for the investigation, making the extended compliance timeline a generous 60 days. Shockingly, 60 days have now passed, and there is still no response from your bureau or resolution of this matter. It is utterly unacceptable that, despite the passage of an extended compliance timeline, no resolution has been reached, and the stain of these fraudulent accounts persists. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I have noted that other credit bureaus have taken corrective action and deleted the fraudulent accounts from my credit report. However, your bureau remains obstinate in its refusal to rectify this situation. This inconsistency is not only baffling but also raises serious questions about the competence and integrity of your investigative processes. 
XXXX XXXX PLEASE DELETE!! ! XXXX AND XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX PLEASE DELETE!! ! XXXX AND XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand an immediate and thorough re-evaluation of my dispute, with a focus on expediting the removal of the fraudulent accounts from my credit report. This is not a request ; it is a demand for the immediate correction of this gross injustice. I expect your bureau to comply with the FCRA and take swift action to rectify the errors that continue to tarnish my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove fraudulent inquiries after several request for immediate and permanent removal from my credit report. These inquiries are from the same company XXXX on the dates of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I received a letter from Equifax stating that removal of the the inquiries dated XX/XX/XXXX with the confirmation # XXXX, but as I pull a recent report today the inquiries are still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The following accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. The following accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX  Inquiry Date XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would NOT have too be so stressed out and KEEP going through this if CFPB would DEMAND thise lying XXXX to remove these discharged accounts AT ONCE. But I see that's not happening. I am truly NOT understanding why I have to go through this. I have been through ENOUGH! I completely LOST EVERYTHING and i STILL have to fight to bring my credit report ACCURATE! That is my right as a consumer. To have my credit reporting 100 % accurate ..... 

I want everyone to witness the torture i am being put through. XXXX XXXX is the absolute WORST. Only a few short days after i submitted the last complaint exposing the company XXXX XXXX XXXX ) of fraudulently and illegally altering details on my credit report and actively reporting on an account discharged in an bankruptcy. The original loan company went out of business AFTER I filed my bankruptcy and which was several years ago. XXXX XXXX never thought anyone would figure out the fraud reporting ring they have going on ...... But I did and will let the courts properly handle all the criminals. 

Days after my last CFPB report this is what I encountered from XXXX XXXX. 
XXXX XXXX retaliated on me as if this is a personal issue. Please see ALL attached evidence.
Product: Credit card

XXXX XXXX has shut off all automated payment systems for its expired XXXX based cards. This means XXXX people will have late payments that they can then charge late fees and interest on. This was done without prior warning. I want XXXX XXXX to be penalized for any extra fees and interest they try to charge and for XXXX XXXX to be prevented from filing credit complaints or collecting late charges and interest on these account. In regards to questions below, I have tried contacting the company, but the systems are shutting out all XXXX card holders.
Product: Credit reporting or other personal consumer reports

Experian told cfpb that the information was removed from my recored or they did not see it on my report which they knew lying on my report will caused financial harm and risk. I. contacted Experian call many time starting from XX/XX/XXXX police report and ftc Experian never did the proper investigation mind you I was not notify that they added account back to my account saying the company notify them to put it back on as of today XX/XX/XXXX XXXX I XXXX XXXX did my own investagation that XXXX ignoring the fcra rules to investigate before adding in formation to my account same thing with XXXX XXXX they refused to open and verify debt I do not owe as well as me being a victim of Id theft these company also sold and buy back they debt from creditors I show experian also they had it on the report as will. I need a full invesagtion on experain for breaking laws and refusing to clean or removed debt that was do to id theft off my report I also paid for the experian credit work which they suppose help and pay up to a XXXX dallors of damages as a promotion they have to for victims was a tatic to get me to sign up. cfpb also have complaint for my reports for them company. removing addresses they refuse me saying it my address .also saying they deleted or remove some account which they did not ... .see Attachments.Im also file a lawsuit. how they also sharing information to another company. clarity by experain giving no chance on tryin to reslove the matter giving out my id addresses and income my banking information it gone to far along with rent growth rent cafe giving misleading information to company im getting denied .under 15 usc 1681 i and down my rights had been violated.15 usc 1611 ( B ) prescribe regulations requiring each financial institution and each creditor to establish reasonable policies and procedures for implementing the guidelines established pursuant to subparagraph ( A ), to identify possible risks to account holders or customers or to the safety and soundness of the institution or customers ; iii ) uses other means of assessing the validity of the change of address, in accordance with reasonable policies and procedures established by the card issuer in accordance with the regulations prescribed under subparagraph ( B ) ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. 

( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ).
Product: Checking or savings account

Be it known, that I, : XXXX XXXX Consumer /Authorized agent acting for the behalf of Principal/Trust Estate , being of sound mind and free will claims that said Financial Institution ; JP MORGAN CHASE has failed to provide me with all the written disclosures required by federal law. By doing so, my rights have been infringed upon, and you have gained an interest in my asset which is a violation of federal law. I am secured and I have the right to remain secured under the constitutional principles of the state and the rules and regulations for the Federal Government and the God-Given unalienable rights granted to me from God. I, authorized agent with full durable power of attorney, past age of Majority-Competent in Law. Registered Agent acting on behalf of Financial institution has failed to give me full disclosure, trespassed against the Trust Estate and continues unlawfully usurp funds which is caused the beneficiaries as well as myself pain, suffering, damages, deprivation and discrimination as a consumer/natural person, due to the negligence and lack of duty of care. 

Notice of lien, Security Agreement and Claim to All Property ; Fee Schedule, Penalties, Billing ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 16 CFR 433.2 Consumer Claims and Defenses Unfair or Deceptive Acts or Practices Notice of Claim to Interest : 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 Notice of Adverse Claim : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice of Notary : XXXX XXXX XXXX Executive Representative info : JP MORGAN CHASE Name : XXXX Phone : XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Dear Phoenix Financial Services, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Debt collection

I'm not liable for debt with XXXX XXXX, I do not have a contract with Portfolio Recovery Associates , LLC. They did not provide me with the original contract as i requested.
Product: Credit card

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have credit inquiries on my credit report and I want them removed. There is no written consent for the inquiries and I did not make them. I filled out an FTC report and I want them removed. Here is the list. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX YOU HAVE XXXX DAYS TO COMPLYXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT RECOGNIZE THESE ACCOUNTS ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. I NEED THESE ACCTS DELETED FROM MY CREDIT ASAP ALONG WITH THE INQUIRES
Product: Credit reporting

I got my credit report because I was thinking of purchasing a home for my mom, and when I got it I notice inaccurate accounts, I immediately filed a dispute with the XXXX major bureaus, XXXX Equifax and XXXX. I listed the accounts I had a problem with. 
1.XXXX- I explained that the account number they had on file was not my account number and my account was paid off through an insurance claim where the vehicle was totaled, I gave them my account number and the claim number of the settlement, the only agency that removed it was XXXX, the other XXXX have refused and has allowed the data furnisher to update it so it remains on my report till XX/XX/XXXX, this is an account that is almost 10 years old. 2.A collection agency by the name of XXXX/XXXX same people I was in a XXXX in XX/XX/XXXX, I sued the trucking company who hit us, I gave the hospitals name and their bill to my lawyer two weeks after accident, mailed in the bill with the insurance from the trucking company they still turned it over to a collection agency who then placed it on my credit all ( XXXX ) on XX/XX/XXXX XXXX months after the accident I kept sending in the paperwork from my attorney and contacting them that an agreement was reached with the hospital and my attorney to pay upon settlement, no one listen it 's still there and when it was paid by my attorney in XX/XX/XXXX they updated it as paid but it was never suppose to be a collection, when an agreement was met between the parties to pay when the case was finalized. There are several other items that are being reported wrong on my credit report but I 'm tired and beat up from a constant battle for the last few months, against data furnishers that do n't report accurate information and the credit bureaus act like we consumers are always wrong and never look further into the issues, but allow this to go on. It seems as though consumers get the short end of the stick because we don'y pay for the service like the the creditors do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have included a letter to each of the 3 major bureaus involved in this complaint. They have all been complicit with the companies reporting in my credit files in violating law by not providing me with verified PROOF of the accounts validity. I have been monitoring my credit for months now and XXXX, XXXX, and Experian have simply taken companies words that the accounts are supposedly mine, verified, and valid instead of providing signed proof that they are. This opens the floodgates to false accounts just sitting on peoples credit reports! Reps from these bureaus will even tell you that they arent required to give proof, as if that makes sense. Seriously? That is completely absurd. Essentially, XXXX, Experian, and XXXX are all claiming that truly unverified, invalidated accounts are " valid '', " reporting correctly '', " mine '', and " verified ''. Under the FCRA, they are supposed to validate these accounts with original consumer contracts bearing my actual signature. They have not done that -- and remember, it has been MONTHS of them refusing to do their due diligence. By the way, there is an account that I have made note of in the attached letters that is reporting twice under two different namesXXXX XXXX ( who illegally put a false judgment on my public record ) and XXXX XXXX XXXX. Complaints will also be filed against these two as well.
Product: Mortgage

Client ( XXXX XXXX ) complete a family transfer package with Ocwen in order to assume her Mother 's property. Upon completion on the transfer package XXXX XXXX obtained and began a modification package of which there has been numerous problems. XXXX completed packages have been submitted since XXXX XXXX, 2015, to date their is still not an approval. Be mindful that the process was just about complete once the family package was approved which was in XXXX and to date the mortgage company is still requesting the same documents.
Product: Debt collection

This company is repeatedly calling my elderly parents, inlaws and threatening legal action against me, sharing information with third parties, the language they use is abusive, threatening and they will not stop calling. They also call my work phone many times per day. They do not leave messages nor have I received any sort of debt validation. What they are doing is illegal. The most recent call was today to my work phone.
Product: Credit reporting or other personal consumer reports

I acknowledge receipt of your computer-generated letter, wherein you state that you've halted the investigation of my credit reports due to your suspicion that I've engaged a third-party credit repair agency. However, I perceive this action as a mere delay tactic on your part, aimed at granting yourselves an additional 30 days to comply with my original request. Furthermore, I consider it a clear violation of the FCRA. 

I must express my profound dissatisfaction with your company 's persistent neglect in addressing the inaccuracies within my personal credit profile. Despite my repeated correspondence urging a thorough investigation and the removal of such misleading information, it appears that my concerns have been ignored. It's imperative for you to comprehend that, by law, you are obligated to promptly act upon receiving such requests. 

Your credit reporting agency has consistently furnished inaccurate and incomplete account information on my credit file. I am deeply troubled by the presence of these misrepresented accounts on my credit profile. Your agency 's failure to uphold reasonable procedures in ensuring the maximum possible accuracy of the credit information reported may render you liable under 15 U.S.C. 1692g validation of debt. Additionally, as demonstrated in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your agency may be liable for false reporting.

Credit reporting laws mandate that bureaus report only 100
% accurate credit information. While these third-party collectors attempted to collect a debt that is not mine, they have violated 15 U.S. Code 1692k - Civil liability. I am meticulously documenting my communications with your agency and the false reporting collectors, with the intention of filing a complaint with the FTC if this non-compliance persists. Similar to XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX ), the below-mentioned false creditors will be held liable for your willful non-compliance. Furthermore, as highlighted in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), they may be liable for false reporting. 

By law, these inaccuracies should be expunged, especially considering I possess evidence of their removal from other credit bureaus. 

17 days I have sent documents certified mail to to company and yet the items has not be removed. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements ofmy constitutional rights via federal court proceedings.
Product: Credit card

My wife and I have a Capital One credit card. 
On XXXX XXXX, 2015 I received a fraud alert regarding a charge over {$19000.00}. 
I immediately alerted Capital One that this charge is fraudulent. 
On the phone I was reassured that Capital One recognized the charge as fraudulent. 
Over the next months, I had numerous phone calls with Capital One representatives, including several managers. The representatives told me that the charge will go away when their " internal investigation '' is finished. I was told this could take 2 months but in the meantime Capital One would erase any fees and interest. However, for six months I keep on getting the monthly statement with the charge of {$19000.00} and with new fees and interest. 
A few months ago I was assured that the charge will definitely not show up anymore and neither would any fees and interest. However, again, every month I continue to see this charge with new fees and interest on my statement. 
I have spent hours on the phone. It is a very high charge and I feel helpless get this issue resolved.