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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Cease and Desist Collection Activities Account Number : # XXXX Dear JEFFERSON CAPITAL SYST, This letter is formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you must immediately cease all collection efforts regarding the alleged debt referenced above. I am exercising my right to request that you stop all contact with me regarding this matter. 

This request applies to all forms of communication, including but not limited to phone calls, letters, emails, and any other means of communication. Furthermore, I request that you do not contact my family, friends, neighbors, or workplace regarding this alleged debt. 

Please note the following : If you believe this debt is valid, provide written verification of the debt within 30 days as required by law. 
If you have already provided such documentation, I still demand that you refrain from further contact unless it is to notify me of the following : That your efforts to collect the debt are being terminated. 
That you may pursue specific legal remedies.

That legal action will be taken against me.

Be advised that failure to comply with this request may result in further action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or my state Attorney Generals Office.

Please confirm in writing that you have received this request and that all collection activities have ceased. Any further contact outside of the exceptions noted above will be considered harassment and a violation of my rights under the FDCPA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was the victim of a rental scam and my bank, BECU is refusing to restore funds. 

- On XX/XX/XXXX I responded to a XXXX listing for a rental house at XXXX XXXX XXXX XXXX XXXX, WA XXXX - On XX/XX/XXXX I received a text from someone named XXXX XXXX XXXX XXXX XXXX pretending to be the landlord of the house at XXXX XXXX XXXX ; on XX/XX/XXXX, we discussed the house and XXXX had my wife XXXX XXXX and I fill out rental applications- On XX/XX/XXXX my wife XXXX and I went to view the house XXXX XXXX texted me a lockbox code that contained a key to the house. We were able to walk through the house and the backyard. I also spoke with XXXX on the phone ; he had us leave the key at the house so that workers could access the home for repairs - On XX/XX/XXXX I sent a {$100.00} application fee, a {$600.00} pet fee, and {$1000.00} for the first half of the security deposit via XXXX - On XXXX I sent the second half of the security deposit ( {$1000.00} ) and the first month of rent, {$3000.00} - The total amount I sent to the scammer was {$5700.00} - On XXXX XXXX requested I send additional money, when I pushed back he stopped responding to me altogether and I have not heard back from him- On XXXX, after doing additional research I found the XXXX XXXX XXXX rental listed under XXXX 's XXXX XXXX and confirmed that they had someone else listed as the homeowner and had already approved someone else to rent the house - On XXXX I followed up with my bank to dispute the transactions - On XXXX I filed a case with the XXXX, WA XXXX, Case Number : XXXX - On XXXX I filed a case with the FBI via IC3.gov ( no case number yet ) - On XXXX I was issued two letters from my bank, BECU, informing me that they concluded their investigation into this matter and that they are refusing to restore or refund any of the money I lost in the scam - On XXXX I received several emails from BECU informing me that my XXXX Account had been suspended because " There was a problem with the payment after it was withdrawn from your account. '' - On XX/XX/XXXX I called BECU and confirmed that they will not be refunding or restoring any funds at this time- The scammer also has mine and my wife 's social security numbers and had me do an ID verification via Persona Info regarding the scammer 's accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, I recently checked my credit report and found that I had 4 outstanding balances with debt collectors. I have many problems with these debts. Firstly they are medical debts that were billed and paid by my state medical insurance. Secondly, these companies have never spoken to me prior to reporting these debts to the credit agencies and I know this because I was incarcerated. It is my understanding this is a violation of FDPCA regulations. Can you please help me resolve these issues. The following are the debts and agencies involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX account # XXXX is reporting XXXX and XXXX  day late payments on Experian and XXXX. I spoke to XXXX and stated they do not have any record of my account ever being late. I have sent out numerous letters to Experian and XXXX to have the late payments removed and i have been continuously ignored by both credit breaus. My consistent payment history reflects my commitment to financial responsibility, making this sudden deviation confusing. I appreciate your prompt attention and cooperation in resolving this efficiently. Accurate reporting is crucial for credit information credibility, and I trust your agency will handle this with the necessary diligence.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but only allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety and privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit repair request to XXXX and Transunion, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by XXXX  XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payments were made on time, as evidenced by my bank statements and payment confirmation records. These clearly indicate that both payments were processed well before the due dates, and these payments should not have been marked as late. 
Processing Delay at the Bank 's End : There was a delay in the internal processing of payments at XXXX. This caused the payments to be incorrectly flagged as late. After contacting XXXX  customer service, they acknowledged this delay. I have attached correspondence from XXXX confirming that the payments were processed late due to their internal issues, not my fault. 
System Error on Payment Posting : XXXX  payment system encountered an error during the posting of my payments, resulting in the payments being marked late. I provided screenshots and support tickets showing that there was a known system issue during the payment dates. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. I also request that the inaccurate late payment entries for XXXX and XX/XX/XXXX be removed from my credit report immediately. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I had, what was told to me by physician, a surgical procedure to correct problem O was experiencing from previous XXXX  with the same physician in the Spring of XXXX. I saw physician in follow up appointments but was never advised of any outstanding debt not paid by insurance company until call received XX/XX/XXXX from collection agency ( Capitol Accounts ) advising on a XXXX debt owed to XXXX XXXX XXXX XXXX Phone calls to XXXX XXXX 's office for explanation were unanswered and appointment was scheduled by his staff to come into office to resolve with physician. Again, I was also having gastro issues and wanted to be seen by physician. I drove the 3 1/2 hour drive, one way, sat in an exam room for well over an hour and was then asked to move to am office where I thought I'd have a consultation with XXXX XXXX. About 1/2 hour later, I was advised that XXXX XXXX was not coming into the office to see nor discuss my case. Please see attached documentation showing dates and attempted correspondence with XXXX XXXX. I believe what happened ( I work in healthcare billing ) was either staff never called to obtain authorization for the procedure, did not bill correctly or never billed it in time thus timely filing occurred with the carrier. This account has been added to my credit file thus causing issues with my trying to find housing as well as astronomical interest rates. He has clearly passed timely filing with the insurance carrier and is now expecting me to pay privately for a medical procedure that he advised I needed to correct the issue. Please note... I originally had weight loss XXXX  with him in XX/XX/XXXX. I had the utmost respect for him and his profession until he refused to come in the exam room to exam me and discuss " the debt ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need late capital one credit card removed from credit
Product: Debt collection

I switched from sprint to XXXX XXXXXXXX paid off my balance and I gave my old phones back. Once sprint was sold I received a debt on my credit report stating I owed {$2700.00} to Jefferson Capital System. I explained that I did not owe this debt and this debt is more than XXXX years old if I did owe this. I have tried disputing this multiple times.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my CrossCheck consumer credit report sent to me via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove these items which are frauds from my personal credit 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/scrub> 2023 XXXX XXXX - Inquired on XX/XX/scrub> 2023 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am the consumer, in fact, XXXX XXXX. XXXX XXXX XXXX did not have MY written expressed consent to communicate with any third parties for any alleged debt. Equifax did not do its due diligence in its initial investigation before allowing XXXX XXXX XXXX to furnish any information on or about me. XXXX XXXX XXXX has not given me any validation of this alleged debt.
Product: Debt collection

I am here to lodge a complaint against XXXX over an unresolved issue related to a cancelled hotspot. This has cost me approx {$2300.00} so far, and may cost another {$530.00} in collections. I would like a full investigation and the restitution of my funds. 

In XXXX XXXX XXXX when covid lockdowns were starting, I stopped traveling for a living and cancelled my mobile hotspot, which at the time was with XXXX XXXX. Also in XXXX XXXX XXXX XXXX and XXXX merged. During this merger my cancellation appears to have fell through the cracks. They never sent me a letter to confirm my cancellation, and billing never stopped. I know this because in XXXX my wife asked me what the charges on our bank account were for. After calling XXXX  and confirming there was no other account with my SSN connected to it besides my personal cell phone, XXXX  myself and my bank all agreed those charges were fraudulent so i started reporting them as such with my bank. 

Then in XX/XX/XXXX I got a letter informing me those declined charges were going to collection, at which point I realized this was for the hotspot with the business account per the addressing of the letter. So I called XXXX and they said because I couldn't remember my PIN ( why would I after nearly XXXX  years of thinking that account was cancelled? ) I had to go to a store to verify my ID. So I did, they did, and then i was told it was officially escalated and i would get a phone call to discuss the results. That phone call never happened. 

Then I got another collections notifiction on XX/XX/XXXX, and I called XXXX  again trying to get through to business. Turns out you can only contact business by calling in from a device on a XXXX  business account. Kinda hard to call in from a hotspot, or an account that has been closed ( they did close it finally when they sent the first collections notice ). So after about a half hour of arguing i finally spoke to a XXXX XXXX  manager who agreed to connect me to business. After waiting on hold for about XXXX XXXX they hung up on me. I called the direct linei that manager gave me to contact business in the future, but it just spat me right back to regular non business XXXX XXXX. 

So I went to Amsher ( collection agency ) website and filed a dispute. Then on XX/XX/XXXX i got another letter from Amshare that simply offered to shave {$100.00} off the bill. So today ( XX/XX/XXXX ) I went back to the XXXX XXXX in XXXX XXXX tx and went through the process of getting verified. When the store rep handed me the phone the business rep wouldnt listen to a word i had to say and just kept repeating there is a balance due. I explained the entire thing i just wrote up here, and he just kept repeating balance due. 

Needless to say I am at my wits end. XXXX has straight up stolen XXXX years worth of payments ( at XXXX XXXX ) from me over a hotspot I cancelled but their merger allowed to fall through the cracks. I want my collection handled, and XXXX years worth of STOLEN payments returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Credit Acceptance closed account charged off money as bad debt/Sold to collection agency, on credit report shows open account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt was sold to XXXX XXXX services and account was settled and closed on XX/XX/2022.
Product: Credit card or prepaid card

Pursuant to complaint # XXXX I heard from Comenity Capital Bank XXXX XX/XX/2022 ) that my issue was resolved. The explanation was that my payment of {$73.00} had been applied to a previous credit card with the XXXX XXXX XXXX, not the one I recently opened for my purchase for {$73.00}. ( I had not used the previous one for years and forgot about it ). It was the new card for which the interest and late fee charges had increased to almost {$200.00} so I filed a complaint with CFPB, and number for that is listed above. 

However, just this week I received a bill from XXXX XXXX for the old account ending in # XXXX with a balance due of {$53.00}. This included a listing of all the refunds per late fees and interest. 

I also received a bill from XXXX XXXX for the new account ending in # XXXX with a XXXX balance. 
# XXXX. The two bills are attached as is the letter.
Product: Credit card

I pulled my credit report and seen 9 hard inquires which most of them wasnt approved by me. For instance the following wasnt done by me or approved by me, XXXX  XXXX, credit acceptance, XXXX  bank, and Bank XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX C XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX  XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I was issued a {$400.00} payday loan with an interest rate of 460 % by Spotloan.com. 

On XX/XX/2022 they contacted me via phone over a missed payment. I explained my situation & that I wanted to strech the payment out as long as possible. They later explained the best they could do was the end of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several written requests to Equifax Credit Reporting agency to verify and validate incorrect information in my credit report. I have also asked them to supply the signed documents as proof that the creditor has the right to report this fraudulent information on my report. They have consistently ignored my request for proof and stated that the items were " verified ''. How were they verified when there was no proof sent? By which measure was this account verified if there are no signed documents to show? This Credit Reporting Agency is willfully ignoring the FCRA and my request for proof of valid verification on accounts on my credit report. They have also insulted me as calling my requests frivolous, and denying my repeated request for verification. I am disgusted with there business practice and willful disobedience of Federal Law.
Product: Credit card or prepaid card

Netspend illegally obtained my name and address. They then sent me a card with my name on it. Since I never ordered this card, I tried calling them. To reach a human being, they forced me to activate my card! This is the ultimate deception. They also refused to tell me which company sold them my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom  it may co ncern, Navient reported my account as  90 to180 past due which is inaccurate information. I have been on a repayment plan with nav ient for years now and was advised any late payments would be removed. Please update my credit reports reflecting this nevative information.   XXXX  Account #  XXXX  Dates :   XX/XX/XXXX  &  XX/XX/XXXX  -  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  - XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  & XX/XX/XXXX  - XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX
Product: Credit reporting

Most of the information on my credit report are incorrect from balance to creditor to timing of my payments to my address there nothing thats accurate about my credit report it need to be change they have XXXX different name for me XXXX different address XXXX different phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. Who is the credit provider for this account? 
XXXX XXXX XXXX XXXX party didnt ask could they use XXXX XXXX party did not ask could they use XXXX XXXX XXXX XXXX party did not ask could they use XXXX, XXXX party did not ask could they use XX/XX/XXXX. 
XXXX XXXX XXXX lease not mines XXXX XXXX lease not mines XXXX XXXX lease not mines XXXX XXXX XXXX XXXX lease not mines XXXX XXXX - party did not ask could they use XXXX XXXX- party did not ask could they use XXXX XXXX XXXX didnt ask for use of matters XXXX XXXX - party didnt ask could they use NONE OF THE ABOVE Nonconsential use of credit party did not ask me if I wanted them to use my identity to do any matters sai d every body does it, they all break the law, what was the comment about them using it would like same debited from their accounts.
Product: Debt collection

I am writing to dispute and request the removal of fraudulent accounts from my credit report. I have identified unauthorized accounts negatively affecting my credit, and I believe they are a result of identity theft or fraud. XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX