23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hi I recently was looking at my credit card. I applied for loaning me a couple accounts on there that were my score and I live in there were closed and other reasons why at the fair act and I need to eliminate Accounts thats all my report illegally According the fair act 15 U.S.C. 1681 - U.S. Code - Unannotated Title 15. Commerce and Trade 1681. Congressional findings and statement of purpose Current as of XX/XX/year> | Updated by FindLaw Staff ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX//19 Tice Associates contacts me about {$270.00} that I supposedly owe a medical provider. I had not received any notices or bills from any medical provider prior to this letter from this collection agency. 

XX/XX//19 I sent a letter ( certified, return receipt - received XX/XX/19 ) to Tice Associates telling them I never received notice of this debt, and asking, under FDCPA, for verification of this debt. I asked for : 1. a detailed account of what the money was supposed to be owed for 2. a detailed explanation of how the amount was calculated 3. copies of documents showing I agreed to pay this amount 4. identify the original creditor and provide current contact info 5. proof the statute of limitation has not ran out on this matter 6. documentation showing they have a legal right to collect this debt 7. documentation showing they are licensed to collect in New York, and 8. provide me with the contact info for their registered agent for service of process XX/XX//19 XXXX XXXX ( XXXX ) or something similar signed for my letter. 

XX/XX//19 Tice Associates mailed me a letter saying I failed to respond to their notice, and that they, quote, " We extend this opportunity to settle this debt in a friendly manner. '' What does that mean? I interpret this as a direct threat. 

XX/XX//19 Tice Associates mailed me a patient ledger printout from the supposed medical service provide. That's it. Nothing else. They did not provide the information requested to # 1, 2, 3, 6, 7, or 8. The information pertaining to numbers 4 and 5 were provided by default on the printout. They failed to provide me the information I am legally entitled to. 

Also, the ledger they provided me was incomplete and inaccurate. It did not detail what the charges were for or who supposedly performed the services. It listed my father as another 'Guarantor '. My father is not a guarantor. He has nothing to do whatsoever with my health insurance, nor am I a minor. 

It seems that both the original 'creditor ' and Tice Associates do not know what they're doing.

I waited for Tice Associates to provide the other required information under separate cover, and the next correspondence I received from them was ... 

XX/XX//19 Simply another Tice Associate letter stating, " We are offering you an opportunity to settle this matter voluntarily. '' Still not providing the information that I requested and am legally entitled to receive, on XX/XX//19 Tice Associates reported the debt as in collections to ( at least ) XXXX XXXX. 

This company is not complying to consumer protection laws like the FDCPA and FCRA. 

Because of my dispute and their inability or unwillingness to verify the debt and their status of collecting it, and their reporting this debt to a credit reporting agency, this company should immediately remove this debt from my credit report, and be shut down. 

I am attaching my letter to Tice Associates so you can clearly see they deliberately chose not to comply with consumer protection laws. I'm also attaching the 'patient ledger ' which is neither descriptive nor accurate.
Product: Credit reporting or other personal consumer reports

i submitted notarized documentation of what personal information should be on my report by certified mail with return receipt signed on XXXX XXXX, it has been XXXX XXXX days and no response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address the collection activity by Resurgent Receivables, LLC on my credit report. I have noticed a collection account that I am unaware of and have no knowledge or obligation to Resurgent Receivables, LLC. Ensuring the accuracy of my credit report is important to me, as it reflects my true financial standing. I believe there may be an error or misunderstanding, and I am committed to resolving this issue. I kindly request a thorough investigation into the validity and accuracy of the collection account. I ask Resurgent Receivables, LLC to provide clear and verifiable documentation supporting the existence of the debt and my obligation to pay. During this investigation, If Resurgent Receivables, LLC can not provide sufficient evidence.
Product: Debt collection

CONVERGENT OUTSOURCING IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND CONVERGENT OUTSOURCING IS STILL TRYING TO COLLECT.I even submitted a cease and desist. i Attach the letter too and they could not provide the promiSsory note of this alleged debt. CONVERGENT OUTSOURCING is in violation of 12 CFR 1022.41 ( d ) integrity. i Need this account DELETED now!
Product: Credit reporting, credit repair services, 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 confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 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 States : 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to update my name, after submitting the name change under dispute electronically and via snail mail for a total of at least 4 times I legally changed my XXXX XX/XX/XXXX. 

XX/XX/XXXX Electronically submitted my court name change document at XXXXXXXX XXXX Dispute # : XXXX This dispute was closed with ZERO notification of result ( they did NOTHING ) XX/XX/XXXX Snail mailed : Court name change, DOL, Social Security letter to me Equifax XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card

I was denied a business loan and by law chase was supposed to approve me a business loan.i was denied a business credit card as well but approved for XXXX credit cards with them for over XXXX  years and have a business savings account with them and a business checking account but denied a business credit card and funding
Product: Credit reporting, credit repair services, or other personal consumer reports

GOLDMAN SACHS unlawfully pulled my credit with no permissible purpose. I tried resolving through the credit bureau and directly with GOLDMAN SACHS but they are ignoring my request. The solution I want is produce proof of permissible purpose by me or remove the inquiry from my credit reports immediately.
Product: Credit reporting or other personal consumer reports

I attended the XXXX XXXX XXXX XXXX from XXXX ; since then my school has been discredited and closed for fraudulent activities and sued federally. It is my understanding that XXXX XXXX was also undergoing a lawsuit and changed their name to XXXX to carry on the loans avoiding the lawsuit. The Maine Attorney General cancelled my student loans because of this, but I just received a letter yesterday stating I have {$10000.00} in collections from XXXX. My federal loans were wiped out by the Biden Administration for these same reasons.
Product: Debt collection

I reached out to this creditor as there are reporting false information on my credit profile, I requested proof of ownership of the account and contracts and I also requested a copy of the information that was used to verify these accounts as accurate and I was never supplied with any information!! 


Citizens pay states I owe {$8700.00} This is illegal for these companies to report this information as it doesnt meet the minimum standards for reporting as it is inaccurate, and no proof has been provided.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX I received an alert by text from Netspend saying that my balance was {$5.00}. I immediately went online to XXXX to view my account. There was a atm withdrawal from an atm in XXXX tx at XXXX XXXX XXXX XXXX XXXX tx. I immediately called to report the fraudulent activity on my account and to have my card blocked. I told him that my card is in my possession and how is it that someone could withdraw money from my account without physically having my card. 
The representative provided me with an email to get a temporary credit until they complete their investigation that can take from anywhere of 10 days to 45days or even 90days. I  submitted the email and I have called back to netspend twice and they are telling me that I have to wait until XX/XX/XXXX to get an update and to see if I win my case or lose. I don't see how I would lose my case since I was not in XXXX, I was in my house which is 3 hrs away. I'm the victim, money was stolen from me. I should not have to go through this to get by money back. I also called XXXX the atm customer service to see if they could help and they said they could not.
Product: Mortgage

My mortgage company CMG Financial is not allowing me to be considered for homeowner assistance or loan modification programs. I bought my home with an FHA loan and there are several different programs available that could help me, but CMG has not reviewed my documents or paperwork to determine my eligibility. Each time I call them to try and fix this problem I speak to a different person and they continually lose and misplace my documents. I dont know what is going on with their process and their company, all I know is they are not following the rules.

After we bought our home we had some major damage and needed to do extensive repairs. I had just had a baby and was on maternity leave and not working at my optician job. Due to the damage we actually moved out and rented for a while during the construction work. However, we ended up having squatters move into our home and it took much longer to eventually get them out and for the repair work to be completed. Due to all of these factors we struggled and ultimately fell behind on the mortgage. When we contacted the staff at CMG they were initially helpful and said they would send out an application for us to complete. However, this was never received despite multiple requests for the paperwork. We then went online to get the application paperwork and began sending it in to their loss mitigation department. We were never able to speak to the same person twice. Our documents were constantly being misplaced or lost and we were never able to get an actual review completed. We received many letters from CMG about our missed payments and that we needed to resolve the matter. On the back of these letters CMG would give us a number to call if we needed help. We called the number many times to try and get help, and we were told by their agents that they would send us a NEW application that they would personally review. Once again, we never received any applications. Now we are getting notices for court dates and falling into foreclosure. This is very distressing.
I have worked as a XXXX  XXXX  for the last 11 years and make a solid living. My husband supplements the family income by working as an XXXX XXXX. We have XXXX  young children who call this home and we need CMG to allow us access to the government homeowner assistance programs that are available for distressed FHA loan borrowers. To date we have YET to be reviewed for any of these programs, instead we are transferred from one place to the other making no progress and falling further behind. This is wrongI thought that CMG Financial is required to review my documentation and evaluate us for the various programs that are available? All we are asking for is a fair shake. I am hopeful that your agency can intervene on our behalf.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i.

In response to my dispute regarding the account XXXX XXXX XXXX # XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated.

I hereby request the immediate deletion of this account from my consumer reports.
Product: Checking or savings account

My name is XXXX XXXX I had an online checking account with chime ... they closed my account and stated my balance would be sent to me with within 30 days of closure which was XX/XX/XXXX .... Ive contacted them numerous times to get excuse after excuse and still no check as of XX/XX/XXXX .... they have emailed me back saying check was coming and would provide a tracking number ... never providing the information promised or the actual check ... now there not even contacting me back!!! When I try to call it prompts me to email and hangs up on me ... please help me!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nv XXXX
Product: Credit reporting or other personal consumer reports

I am asking this agency not only to remedy this problem but to ask Congress to please investigate this nauseating problem which likely causes a lot of issues for women I'll just bet.

I have worked hard to create a sterling credit score and I had one for a long time it was a score of XXXX and I DESERVED EVERY NUMBER THERE, AND I HAVE DONE NOTHING BUT INCREASE THE SCORE AND YET, IT IS ONCE AGAIN OUT OF THE BLUE WITH NO EXPLANATION AND NO PROOF NO RHYME OR REASON TO DROP MY SCORE IT IS INSIDIOUS. XXXXTHEY TRIED THIS THE END OF LAST YEAR, DROPPING IT BY TWO POINTS, THEN TEN, THEN 15 AND YET THEY SAY OH, YOU ARE STILL IN THE BEST RANGE. 
THAT IS XXXX  XXXX, THEY DROP YOUR SCORE XXXX XXXX POINT AND IT HURTS. 

I AM PAYING MORE ON MY XXXX CAR LOAN THAN I SHOULD AND I AM XXXX  WELL SURE IT IS BECAUSE OF THESE XXXX  AT EXPERIAN. 

I LOOK ON THEIR WEBSITE FOR REASONS AND THERE ARE NONE FOR DROPPING MY SCORE. NONE NONE NONE, IN FACT, EVERYTHIGN IN WRITING SAYS EVERYTHING IS HELPING. 
I AM XXXX  WITH THESE PEOPLE. 
MY NEXT REQUEST IS PLEASE, ASK FOR AN INVESTIGATION INTO THIS OUTFIT. NO ONE CAN BE SO OUT OF TOUCH WITH THE UPDATED LAWS, NO ONE CAN DO SO MANY STUPID AND ILLEGAL THINGS TO PEOPLE AND THEN GIVE NO WAY TO CONTACT THEM. WELL AFTER LAST TIME THEY FIXED THAT, BUT I DOUBT THEY HAVE ANYONE WHO SPEAKS XXXX READ AND REMEDY THE PROBLEMS. 
LOOK, YOU ARE NOT GETTING ON THESE PEOPLE ENOUGH. 
THEY ARE UNEDUCATED. THE FINANCIAL PEOPLE ALL AROUND SAY YEARS AGO THEY STOPPED MAKING IT A HIT ON PEOPLE 'S CREDIT REPORTS FOR ONE TIME SEARCHING FOR A CAR LOAN, OR A MORTGAGE. BUT IF YOU LOOK FOR A CAR LOAN AND A MORTGAGE AND A PERSONAL LOAN, THEN YES OF COURSE IT IS THREE XXXX. BUT FOR JUST A LOAN, THE SAME LOAN,, ALL IN THE SAME WEEK, XXXX XXXX INQUIRIES DO NOT DO NOT DO NOT COUNT AS THREE HITS, ONLY ONE, IT IS THE SAME DAMN LOAN AND IT WAS EVEN ON THE SAME DAY. 
I AM SO ANGRY WITH THIS XXXX  XXXX COMPANY I T HINK WE WHO ARE XXXX  BY THIS SHOULD SUE ALL OF XXXX IN A CLASS ACTION SUIT. 
I AM TIRED THAT ANY FINANCIAL INSTITUTION EVEN GIVES THESE XXXX ANY CREDIBILITY ANY MORE. THIS HAS XXXX  UP SO MUCH OF MY TIME AND ENERGY I COULD JUST SCREAM. I WANT MY SCORE TO REFLECT MY CREDIT WORTHINESS ACCURATELY AND DROPPONG ME XXXX POINTS IS AN OUTRAGE.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Formal : Formal Complaint against Jefferson Capital Dear consumer financial protection bureau, I am writing to file a formal complaint against Jefferson Capital for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Jefferson Capital placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt.

I hereby declare my revocation of all communication channels with Jefferson Capital, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence.

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Jefferson Capital provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Jefferson Capital is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

The date on my consumer report indicating that I opened an account with Jefferson Capital is blatantly false. I neither received any services or products from Jefferson Capital nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights.

Moreover, it has come to my attention that Jefferson Capital is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.

The actions of Jefferson Capital constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 

Please keep me informed about the progress of this complaint, and I appreciate your attention to this matter.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
15 U.S. Code $ 1681c-2 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 an alleged identity theft, not later than XXXX business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : PORTFOLIO RC ( 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/2021 Balance : {$1100.00} ; PORTFOLIO RC ( 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/2021 Balance : {$2300.00}