23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Tried to verify account they had wrong address associated with account from different state i dont live and never lived Ive always had medical insurance with the state I live in I was a victim of identity theft and had other accounts deleted of my credit report due to inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report from Equifax, XXXX, and XXXX. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I am also trying to get my credit in order because I want to buy a house and move away from my current living condition.
Product: Credit reporting, credit repair services, or other personal consumer reports

i paid a collection account off in full to my dentist, unknown to me the outstanding account was sent to STATE RECOVERY SYSTEM in XXXX XXXX, Ca. My Dentist, XXXX XXXX XXXX of XXXX, Ca called to advise them I had paid my account in full and to please remove account from CREDIT BUREAUS.. 
This collection company XXXX the ( the actual owner ), blatantly refused to do so, stating they were not paid directly, so forget it. He even VERBALLY THREATENED my XXXX which even suprised my XXXX 
My name is XXXX XXXX, I have a PAID RECEIPT under XXXX XXXX of XXXX, California. I can be reached at XXXX or XXXX XXXX
Product: Debt collection

I have tried multiple times to get an answer from Receivable Performance Management ( RPM ) in which I believe this debt is not owed as I have never applied for a Card Credit credit card. I 've repeatedly asked for verifiable proof of debt obligation by them providing me the original signed instrument of indebtedness. They have not provided anything to me to verify this debt as of  XXXX .   XXXX  It has damaged my credit report and decreased my chances of obtaining a favorable mortgage rate.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance : {$370000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$14000.00}.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

The company NATIONAL RECOVERY AGENCY is a debt collection company is abusing me by reporting three of the same exact alleged accounts exposing private medical information on my consumer discloser report. I mailed NATIONAL RECOVERY AGENCY recovery agency a debt validation letter just recently in which they will be receiving via certified mail. Under the Fair Debt Collection Practices Act and Fair Credit Reporting Act, I am aware that this is an abusive collection practice per 15 USC 1692e ( 10 ), 15 USC 1681s-2, 15 USC 1692e ( 14 ), and 15 USC 1692f ( 1 ). The behavior the debt collection company is using is both abusive and deceptive because NATIONAL RECOVERY AGENCY furnished 3 of the same accounts as if each amount for each of the exact same reported accounts are owed which reflects a balance of more than {$2000.00} per account. This is not only damaging to my consumer disclosure report but is also emotionally stressful because I know for a fact, I do not owe the amounts NATIONAL RECOVERY AGENCY are insinuating. I know that debt collection agencies that lie and use abusive practices to collect debt are liable to me per 15 USC 1692k Civil liability and by the FTC, Consumer Financial Protection Bureau ( CFPB ), and state governments. The FCRA provides for maximum penalties of {$4700.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621.
Product: Credit card or prepaid card

In XXXX I was contacted by a company called XXXX XXXX that I owe a debt of over {$6000.00} for a credit card that originated with Bank of America. I explained to them that I have never applied for nor have I ever had a card with Bank of America. They explained to me that they understand then a few days after I received a letter from a lawyer that he is trying to collect on this debt and he has a judgement against me for the approx. {$6000.00} and he was going to start garnishing my wages. I called several lawyers for assistance but most did not want to take the case because of the judgement which I did not understand. They stated they got a judgment against me back in XXXX for a credit card that they said I received in XXXX. I migrated to the US in XXXX so I could not understand why they would think on my arrival in the country Bank of America would just decide to give me a credit card. 
Anyway, I finally found a lawyer to represent me in court to stop the garnishment but unfortunately the lawyer I had did nothing to help me in court and I ended up trying to defend myself in court because to my dismay the Judge who presided was not interested in what I had to say as I had a " judgement '' against me. That is when I realized how serious this really is and there is no way out but to pay. She gave me a reprieve and had the lawyer return all my funds to me but interest would continue to accrue on the outstanding amount until my daughter attained the age of XXXX. My daughter is now XXXX and the lawyer has resurfaced to collect the now over {$10000.00}.
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. 

Account name : XXXX - Account # : XXXX Account name : XXXX - Account # : XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX U.S.C. 1681 Section 602 Ab 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 an 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 or 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. 1682s-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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS : XXXX XX/XX/year> XXXX XXXX Dispute of Account Verification Accounts XXXX XXXX XXXX Account Number XXXX XXXX Balance {$2600.00} XXXX XXXX Account Number XXXX XXXX Balance {$8400.00} XXXX Account Number XXXX  XXXX Reported Balance {$9200.00} XXXX XXXX Account Number XXXX XXXX Reported Balance {$16000.00} Dear Sir/Madam, I am writing to dispute the information on my credit report related to the above-referenced accounts. According to my recent credit report, this account was verified by your bureau as accurate. However, I am requesting a detailed explanation and method of verification for this account as stipulated under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, specifically 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to know the method used to verify the information on my credit report. Therefore, I request that you provide me with the following information : 1. The name, address, and phone number of the person or entity who verified the accuracy of the account information.

2. A description of the procedure used to verify the information.

I believe that the information reported is inaccurate and I am requesting that you re-investigate this account. Please correct or remove the disputed information as soon as possible, and send me an updated copy of my credit report.

In the event that you find the information to be accurate, please provide me with a description of the process used to determine this, including the name and contact information of anyone contacted during your investigation.

Additionally, please notify the furnisher of the information of my dispute and provide them with all relevant information regarding this matter as required by 15 U.S. Code 1681i ( a ) ( 2 ).

I expect a response from you within the 30-day period as required by law. If the disputed information is not corrected or if I do not receive a satisfactory response within the specified time frame, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal counsel. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian regarding their failure to properly investigate a dispute I submitted concerning inaccurate information on my credit report, specifically their inappropriate use of 15 U.S.C. 1681o ( a ) ( 1 ) ( A ) ( civil liability for negligent noncompliance ) in relation to this disputed item. I request your assistance in resolving this matter and having the inaccurate information deleted immediately.

In XXXX XXXX XXXX, I sent a dispute letter to Experian ( copy attached ) contesting the accuracy of the following item on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor : Rental/Leasing Original Amount : {$4300.00} In my dispute letter, I the bad accounting processes of XXXX XXXX and their XXXX of the XXXX XXXX XXXX XXXX . I stated that this account does not belong to me, and explained that the amount is incorrect and provided documentation showing the correct amount and the admitted error of the XXXX XXXX. I also specifically questioned the relevance of 15 U.S.C. 1681o ( a ) ( 1 ) ( A ) to my dispute, as I was simply disputing the accuracy of the information and not alleging negligence at that time.

Experian responded in XXXX of XXXX. However, their response was inadequate and did not address the core issue of my dispute. They simply stated that the information was verified without providing any details of their investigation, and They failed to address my specific concerns and supporting documentation. They have failed to properly investigate my claim. 
I believe Experian 's handling of my dispute violates the Fair Credit Reporting Act ( FCRA ). Their continued inclusion of this inaccurate information, particularly with the inappropriate reference to 15 U.S.C. 1681o ( a ) ( 1 ) ( A ), is causing Denial of credit and unfair higher interest rates.

Therefore, I respectfully request that the CFPB intervene in this matter and : 1. Direct Experian to immediately delete the disputed item from my credit report as a fair resolution to this problem.

2. Investigate Experian 's practices regarding the use of 15 U.S.C. 1681o ( a ) ( 1 ) ( A ) in cases where consumers are simply disputing the accuracy of information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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 or other personal consumer reports

I XXXX XXXX was in contact with XXXXXXXX XXXX XXXXXXXX to refinance my mortgage and to pull equity out of my home value to pay off some of incurred debt around XX/XX/XXXX, they instructed me not to pay any of credit cards due them going to paid off from the new loan agreement after months of push back we didnt until XX/XX/XXXX, which resulted in my XXXX XXXX credit card being marked late as well on my credit report. My loan with XXXX was immediately transferred a few days later effective XX/XX/XXXX stating my first with XXXX was XX/XX/XXXX due to my error I didnt realize that I had to pay XXXX loan payment on XX/XX/XXXX. My credit is reporting that I am currently 90 days late on my mortgage which is incorrect, due to my own error and my loan being transferred to XXXX I technically am only 30 days late on my mortgage loan. I have attached loan documents supporting this claim as well as the loan transfer letter, XXXX mortgage loan statements from XXXX, my previous mortgage loan lender payoff letter from XXXX XXXX XXXX XXXX my XXXX XXXX XXXX. I have also disputed this issue with all 3 credit bureaus XXXX, XXXX, & Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX Date opened : XX/XX/XXXX Balance {$2900.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$1000.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$24000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finance a XXXX XXXX XXXX with XXXX as the finance company. I had the vehicle for almost 2 years and never had a missed payment. My suv was recently totaled loss on XX/XX/XXXX. The insurance company of the other driver accepted liability and issued a payment to XXXX of XXXX. In the meantime as XXXX was waiting to receive payment from the Insurance Company I continued to make my payments because I did not want to ruin my credit. I called XXXX weekly to see if they received payment to avoid any issues because I would have continued to pay if has too. They had told me they received payment and to call back in a week. I was still able to check the account and when I did it showed that the check was posted and that I had a balance due of XXXX. I called and they said it was a mistake and to disregard they will fix it. 
The insurance company issued XXXX a check on XX/XX/XXXX paying more than what I owed on the suv leaving XXXX  to issue me a payment from the account having an overpayment of {$140.00}. 
On XXXX I received a credit alert from XXXX that I have a paid/closed account with a 30 day late payment. This hurt my credit very bad. On XXXX is when I received my alerts from transunion and XXXX showing the same thing. I called XXXX to speak with someone who told me that they will fix the error and it can take up to 90 days. I am not understanding why I have to wait almost three months for a mistake made on their behalf. I am in the process of buying a house and now I have this huge problem that I didnt create. My scores drop 40-51 points from each bureau.
Product: Credit card or prepaid card

I was charged excess interest on my card. I was charged full interest even though I made a payment. First it was confusing what amount needed to be paid to avoid interest ( other credit cards are very transparent about this ) and then I was charged full deferred interest even though I made a payment of XXXX, which is incorrect. Please remove interest charges on my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$4000.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$610.00}
Product: Credit reporting or other personal consumer reports

. I am writing to dispute the accuracy of the information reported on my credit report by Equifax regarding an account withXXXX XXXX XXXX. The account in question was reported as opened in XX/XX/year>. However, this account does not belong to me, nor have I ever had any association with this creditor/company. I believe that the reporting of this account is in violation of the Fair Credit Reporting Act ( FCRA ) and request its immediate removal from my credit report. Additionally, I have filed and attached a police report with the XXXX XXXX Sheriff 's Department regarding this matter.

Under the FCRA 's provisions, specifically 15 U.S. Code 1681e ( Compliance procedures ), I am entitled to receive accurate and verifiable information in my credit report. The current reporting of this account clearly violates my rights as a consumer. Simply updating the inaccurate information that I am disputing is a clear violation of FCRA requirements and serves as proof that your company was not reporting correct information initially. I demand that Equifax conducts a thorough investigation into the accuracy of this entry. I hereby request that you provide me with documented proof of your investigation method and verification of the reported information within 30 days of receipt of this letter.

Failure to comply with the FCRA 's requirements and to provide the requested information within the given timeframe will leave me with no choice but to take appropriate legal action to protect my rights as a consumer.

In conclusion, I kindly request that Equifax removes the fraudulent account from XXXX XXXX XXXX from my credit report and corrects any inaccuracies in the reporting of this account. I expect prompt action from Equifax to resolve this matter in a fair and expedient manner.

Please acknowledge receipt of this dispute letter, and I look forward to receiving your written response regarding the outcome of your investigation.
Product: Credit reporting

I 'm a long time highly qualified XXXX customer I came from XXXX and in the last month chose to participate in an application for a credit card at a local branch here in XXXX with a XXXX XXXX XXXX. 
I was informed that I was declined for the credit card despite my XXXX credit score and very healthy balance at your bank that made little sense. I was told to await a response for the decline and explanation and I did as instructed as the explanation for the decline was vague- I did n't honor a commitment as agreed upon in the last XXXX years so I had been working w the branch assistant mgr XXXX XXXX who informed me of a loan modification or short sale purchase a negative inquiry on my credit report pulled by XXXX. I actually called all beureaus knowing that was a mistake and I have a copy of each of my XXXX page credit reports on hand and documented conversations with the bureaus informing them of XXXX decision to decline me for a credit card where I had them cross reference my reports in case I was illiterate as there was nothing of the sort to indicate any commitment I 've ever made and not paid, nor any modification but further no documented negative record from XXXX nor equifax all of which I have on record. I 've called XXXX XXXX customer service who insist that 's not what they see, the bureaus do n't lie and I find this to be highly offensive but still I have patiently worked w XXXX XXXX whose instructed me that he 's escalated the manner as theirs XXXX evidence to support the contentions behind the decision to decline my credit.. Both bureaus have instructed me to have this investigated and that is now what I fully intend on doing as I 've given ample opportunity for XXXX imaginary bureau with such contentions to resolve that error but instead I 'm further ignored burdened with coming into the branch w my documents of proof. I have mine and the burden is on XXXX now as I 'll make it a personal mission to proceed with the mishandling and continued disregard of error and lack of ownership and report this to any and all governing institutions to create awareness.. Again I have both my discussions w the bureau and ur staff member on record.. 

FYI- complaints and investigations forthcoming at this point just for starters.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,