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

The debt is my deceased husbands debt and I want it off my credit report. The debt is {$17.00}, XXXX My husband fought hard He had a XXXX XXXXXXXX and XXXX XXXX at XXXX XXXX I am XXXX and need to be in a apt without stairs. Without XXXX here I need more assistance I was denied by an apt because of this unpaid debt.. It has caused my credit score to be poor and I am scared. 
This is cut and pasted from the rejection letter from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Thank you for your recent application. Your request was carefully considered and we regret that we are unable to approve your application at this time for the following reason ( s ) : Rental history unsatisfactory or insufficient Credit history unsatisfactory Our decision was based in whole or in part on information obtained in a report from the consumer reporting agencies listed below. These consumer reporting agencies played no part in our decision and are unable to supply specific reasons for our decision on your application. 
You have the right, under the Fair Credit Reporting Act, to know the information contained in your file at the consumer reporting agencies. You also have a right to a free copy of your report from each consumer reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the respective consumer reporting agency. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I am a recent widow after a XXXX XXXX  marriage and have many things to adjust to. 

I have asked Truist Bank to send me proof that this is my debt but they don't. They call everyday to say they need to talk to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contesting any information on my credit report that is not true or documented accurately by the credit bureaus. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, XXXX, Equifax, XXXX must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose.If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im speechless. AGAIN, this circumstance is making me sick! Transunion and CFPB are impervious about my complaint. I retain sending abundant sets of letters to Transunion so the excuse of we didn't get it '' doesn't happen but then nothing occurred. It seems that they be likely to disregard the trend and let this fraud account affect my credit score. They are destined to obey with the FCRA regulation section 605b but I think they are negligent about this matter. I have already done my part by sending my documents like my DL, SSN, Address and the dispute letter I sent to Transunion. Also I have sent my FTC report and my Police Report to them but still nothing has altered. They became negligent of the FCRA law and continued reporting this information on my Credit File without Appropriate Authorization or Examination. I am an identity theft victim and I want you to do your part and REMOVE this account that caused me so much stress. 

XXXX XXXX  XXXX Date Opened XX/XX/2018 XXXX {$0.00}
Product: Student loan

The servicing of my private students loans ( originally acquired through XXXX and then transferred to XXXX and now very recently to Navient ) has left me confused. I'm currently a PhD student. One of my loans was in in-school deferment at the time it was transferred to Navient. Although their FAQ says they will not change the status of a loan from deferment to repayment upon transfer, they did exactly that. I reached out through email about 3 weeks ago, and I have yet to receive a response. They emailed me back, noting that my email was received ( and that they would respond as soon as possible ), but they have not responded. I prefer contact through writing, not to be difficult, but so that I have a record of what is being discussed ( protecting my rights ), as phone conversations alone can not be trusted. It seems to be exceedingly difficult to contact through means other than phone ( and even that is not guaranteed ). Also, no info was provided about the changing status of my loan from deferment to active (? ). Customer service is inept, confusing, and threatening. The constant juggling of my loans from one servicer to another is hard to follow. Please act on this and help many borrowers, including myself, as we deal with these issues on a daily basis ... simply trying to survive.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment fot he account : XXXX XXXX  Account number : XXXX, please investigate and provide proof with statements showings that this payment were late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting

Contacted Experian to see what was needed to remove XXXX errors off of my Credit Report. Was told it would all be removed and to wait 30 days and check report again. Waited 30 days and items were still on credit report. The attachment is what I pulled off the county clerk site clearly indicating my parents are the correct party. Not myself. My name is XXXX XXXX XXXX, I am not married. XXXX XXXX and XXXX XXXX XXXX are my parents and who have the liens and judgements
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). It is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

XXXX XXXX XXXX, XXXX XXXX, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

The company was not willing and able to produce any documentation that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Nor did someone within your company provided authenticated documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

The follow accounts are as follows : Name of Account : Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting a  XXXX   XXXX  account (  XXXX  ) on my credit that is not mine. I have never had any notices or letters sent to me by this company and I do owe them {$4900.00}. I am filing this complaint because I have sent disputes to the credit bureau numerous times but they have not addressed my concern adequately and are still reporting someone else 's account on my credit. I have gone so far to even call this  XXXX   XXXX  company using the contact number provided in the credit bureau letters and they can not find records that match my personal information. I feel stuck because the company can not send me someone else 's information and the credit bureau keeps saying this account is mine. They are refusing to delete this other person 's account from my credit.
Product: Debt collection

XX/XX/XXXX XXXX responded to my dispute stating all collection attempts would be halted until they gathered information. Service was stopped for another service. Only 1 service line to the property. I paid through the month though new service was started halfway. Through transcripts it was stated that only 1 service can be had through 1 line. Prior to this I setup to transfer at a later date and was told my service would not be canceled and it was immediately. That was rectified and explained 2 services could not exist. With this knowledge a new service was connected but they never canceled the old that was paid past service end. They continued to charge 2 services on 1 working service. No response from XXXX. XX/XX/XXXX I.C. Systems picked up the debt and put it on collections with no contact. XXXX was informed of the illegalalities of this and will not respond. I.C. Systems thinks it's a joke. It's only {$50.00} on exceptional credit but it's a false debt and they will not yield. XXXX was even provided documents to show how they were wrong XX/XX/XXXX. XX/XX/XXXX, when asked they stated they returned the debt to XXXX which was only explained once another company showed collections on my credit report. Previous email was all attempts would cease until information was provided as can be seen in the attached. No single person responded but was a different person with XXXX each time. I.C. Systems I am unable to dispute on my credit report. They will hang up on you and treat you like a joke. I will add more documents later as necessary.
Product: Credit reporting or other personal consumer reports

Please remove this inquire being I didn't request this info.
Product: Mortgage

I am not presently working, so my wife called our mortgage servicing company ( Fay Servicing ) several weeks ago to apply for deferment until I start working. She was told the request will be forwarded to our account manager, but we did not hear from her ; therefore, on XX/XX/18 I sent her an email explaining our financial situation and stating that we need to apply for mortgage payment deferment. We have not heard from her up to this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to BOTH credit bureaus- TransUnion and XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified AND claims the it legally meet FCRA requirements but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', XXXXaccount status- ONE BUREAU IS REPORTING OPEN and THE OTHER IS REPORTING ACCOUNT CLOSED '', ''dispute status '' and ''date of last activity ''. NEITHER BUREAU IS SHOWING AN ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS.

This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

BOTH bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH bureaus and XXXX XXXX XXXX  I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit reporting or other personal consumer reports

am submitting this formal request to obtain a detailed description of the investigation procedures followed regarding the disputed information on my credit report. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 7 ), which obligates credit reporting agencies to provide consumers with a description of the procedures used to verify disputed accounts.

Below are the details of the account in question : Account Information : Account Name : XXXX Account Number : XXXX I dispute the accuracy of the information reported on this account and request verification of its validity. Under the FCRA, I am entitled to a full description of the reinvestigation process conducted to verify this information. 

Additionally, under the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 ), credit information must be both accurate and transparent to protect consumer rights. Any failure to ensure accuracy or to provide a description of the reinvestigation process represents a direct violation of my rights under federal law.

Provide a detailed description of the procedures used to investigate and verify the accuracy of this account.

If you can not verify this information with the data furnisher, I request the immediate deletion of the disputed account from my credit report as required by the FCRA.

I expect a detailed written response outlining the investigation process, as required under the FCRA. Should you fail to comply with this request, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal remedies to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to receiving a timely and satisfactory response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do believe that my credit reports are unjust. I have 5 active creditors. And as upset as they are. I have every intention to pay them back. I have been going through a financial hardship. As we all do sometimes. However I am working with a legal team to resolve this debt. XXXX  XXXX XXXX. I do have an active account with them to resolve the situation. I have been working with them since XX/XX/2018. And I have enough funds to pay off four of the debts. It may take me another two more years to pay off the larger one. I have been asking them to work with me at this time. And I just want people to be aware of the fact that I am working hard to resolve this debt. Thank you for your time. I do appreciate it. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, After completing its investigation as detailed in this complaint, I am writing to request a thorough and detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Upon reviewing my credit report, I noticed an account with XXXX  XXXX reporting inaccurately, showing multiple late payments that I, in fact, paid on time. It is essential for credit reporting agencies to report all information with complete accuracy, yet this account has not been late on payments. I have attached a copy of my credit report highlighting these dates, as follows : XXXX : XXXX late payments recorded for XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; XXXX late payment recorded for XX/XX/XXXX. 
XXXX : XXXX late payments recorded for XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX ; XXXX late payment recorded for XX/XX/XXXX. 
Equifax : XXXX late payments recorded for XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX late payment recorded for XX/XX/XXXX. 
I kindly request an investigation into this account and an update of these payments to reflect an on-time status. If the payments can not be updated accordingly, please provide the required documentation and details as outlined in my request. 
In reference to 15 USC 1681c ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( myself ) and the reporting entity. Given that payment history is directly tied to these transactions, any incorrect information negatively impacts my consumer report.

I am also requesting that you outline the reasonable procedures [ per 15 USC 1666 ( b ) ] adopted by your agency to ensure each periodic statement is mailed at least 21 days prior to the due date, as required under section 1637 ( b ) of Title 15.

Reference to PAANL ( Paid As Agreed, Never Late ) : The terms of our agreement have been honored consistently, warranting a " Paid As Agreed, Never Late '' status for this account. I request documented evidence supporting any claims of late payments, including specific dates, amounts, and communication records indicating these alleged late payments. In the absence of such proof, I expect the credit reporting to be corrected. 
Given that my previous disputes have not resulted in any changes to the reporting, I demand an investigation in compliance with the FCRA to correct these inaccuracies promptly. I expect a written response within 30 days of this letter, as required by law. 
Thank you for your attention to this matter. Your adherence to FCRA regulations is crucial for maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Jefferson Capital Systems : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the make on the account and account ownership is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. I have filed a complaint against this company for quite a while. The debts listed from ( original creditor XXXX XXXX ) Jefferson Capital systems account number beginning with XXXX is not my debt. I have received emails from this account in someone else 's name but my info is on the account. This is fraud. I have never had an account with the original creditor. This is hindering me from getting approved for credit.
Product: Debt collection

I XXXX XXXX had a XXXX credit card and I fell back in 2016 and broke my ankle and I was out of work for a long period of time and I am now getting SSA from the government / social security and I have a company that is taking me to court for this debt. they threaten to make me pay XXXX that I do not believe I owe and I now have court paper were they are taking me to court.
Product: Credit reporting or other personal consumer reports

Over 20 complaints today Experian has work on and resolved nothing for going on 2 year AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got off the phone with a XXXX representative and she said that they are accurately reporting the payment history on my credit reports, but when I check on XXXX, Experian, and XXXX they all show incomplete payment history. They all show payment history from XX/XX/XXXX to XX/XX/XXXX even though some loans have been opened since XXXX. This is a huge mistake and it is hurting my ability to seek credit since it minimizes my actual length of credit.
Product: Debt collection

I have been asking for explanation with details of what makes up amount owed in a reinstatement offer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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. 
I am writing to dispute certain items on my credit report that I believe have been reported unlawfully and may be in violation of federal law, specifically 18 USC 894.

Upon reviewing my credit report, I have identified the collection. These items appear to be associated with attempts to collect or punish me for non-repayment of credit in a manner that may be considered extortionate.

Under 18 USC 894, it is unlawful for any entity to knowingly participate in the use of extortionate means to collect or attempt to collect any extension of credit, or to punish any person for the nonrepayment thereof. I believe that the reporting of these items on my credit report may constitute a violation of this law.
Product: Credit card or prepaid card

I signed up for the Barclay AAdvantage Business Card on XX/XX/2023 for sign up bonus of XXXX miles and {$95.00} statement credit. I had until XX/XX/2023 to make a minimum {$2000.00} purchase for the sign up bonus. I didnt realize that annual fee does not count towards the minimum spending. I called Barclay on XX/XX/2023 where I was told that I met my minimum spending requirement and that my sign up bonus should be in my account in the next statement period, which obviously didnt come. I called again today and I was told that nothing could be done, even though I was given FALSE information by Barclay and therefore I didnt receive the sign up bonus.