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

Dear CFPB Dispute Resolution Team, I am filing this dispute as an unresolved, ongoing violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The original creditor, XXXX, incorrectly reported a settled debt on my credit report, and this account was mistakenly sent to collections with Jefferson Capital Systems, despite being fully paid. 


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 XXXX XXXX XXXX XXXX XXXX interest balance transfer offer. XXXX successfully completed the balance transfer, paying {$3900.00} to XXXX via electronic funds transfer to settle my balance. 

However, XXXX failed to apply these funds to my account, despite XXXX repeated outreach and documentation confirming the transfer. Over the course of more than a year, I made continuous efforts to resolve this issue with XXXX, providing emails, documents, and consistent follow-ups. After countless phone calls, I requested that our communication move to email for record-keeping purposes. Even after this, I never received any updates on the matter from XXXX ( see attached email correspondence ). Despite my persistence, XXXX did not take my case seriously and failed to escalate my concerns beyond general customer support. Unfortunately, to this dayover two years since the transferXXXX has yet to address this issue. 

This lack of resolution left me making payments on what should have been a settled account. Due to XXXX inaction, I was ultimately forced to stop making dual payments, resulting in a default on an account that should have been fully settled. XXXX has now sent this account to collections with Jefferson Capital Systems, which is both inaccurate and unjust. 

Context of My Payment History : I would also like to highlight that I have maintained an excellent payment history across my accounts with XXXX XXXX XXXX XXXX XXXX XXXX  which has always been on automatic payments. This demonstrates my commitment to responsibly managing my financial obligations. I have never before been referred to collections, and this error is having a detrimental impact on my credit. This issue is an isolated incident directly caused by XXXX failure to apply the balance transfer funds. I hope this context emphasizes the importance of accurately reflecting the true status of my account. 


Enclosures : 1. Documentation from XXXX confirming the {$3900.00} electronic funds transfer to XXXX ( EFT Trace Information ) 2. Email correspondence with XXXX confirming lack of updates despite repeated requests ( XXXX XXXX ) 3. Email from XXXX notifying me that the debt has been sold without a resolution on my issue ( Notice of Debt ) Thank you for your attention to this matter. I look forward to a prompt response and a resolution to this incorrect and unjust debt collection.
Product: Credit reporting or other personal consumer reports

I am formally disputing the information associated with my accounts. Upon reviewing my credit report, I have identified discrepancies that require immediate attention. It appears that there are inaccuracies concerning the status of my accounts, particularly regarding file merging and the characterization of my payment history. I kindly request that you update my account information to accurately reflect that the accounts have never been delinquent and are closed with a positive payment history. I have called the bank and they agreed to update their records and remove the late payments from the accounts. Recognizing the importance of maintaining accurate credit information, I trust that you will promptly take the necessary steps to address this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I contacted PNC mortgage to inquire about removing my private mortgage insurance from my account. I was told I needed to wait XXXX0 business days for a letter to mailed to me further instructions. They refused to give me the information over the phone. After 12 business days without a letter, I contacted them a second time and I was told the letter addressed to the wrong account and never mailed. This is the same address that the mortgage is paid on. I have received multiple mailings from them. There is no reason why they could deliver the letter. 
I was told I would have to go into a local PNC branch and get a copy of the letter. The branch is refusing to print a copy of the letter without an appointment. The soonest appointment is 5 days away in the middle the afternoon which does not work for me. They have offered send me another letter that will take anther 10 business days to arrive. They have done nothing to rectify their error. PNC is now holding up the process of removing my private mortgage insurance for an additional 30 days. It is my belief that this is an attempt to collect another month 's worth of insurance
Product: Debt collection

In XXXX I became a victim of identity theft. I have tried to verify debts and payments owed. 

XX/XX/XXXX I confirmed the alleged debt with the original creditor ( XXXX XXXX XXXX ) but the representative was unable to locate the account. 

XX/XX/XXXX I submitted a complaint to the Better Business Bureau about Enhanced Credit Recovery ( ERC ) stating that I did not enter into an agreement with the company. 

XXXX XXXX XXXX XXXX XXXX XXXX  adjusted my credit report and removed the collection from my account,. 

XX/XX/XXXX I submitted a dispute with XXXX about the inaccurate report concerning ERC stating that I did not enter into an agreement with the company. 

XXXX XXXX XXXX XXXX stated that ERC confirmed the information as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  address not mine accounts that were filed to the ftc 60 days ago
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX XXXX pulled my credit on XX/XX/XXXX which is fraud. 
I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- Corelogic Credco pulled my credit on XX/XX/XXXX & XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- XXXX XXXX XXXX pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- XXXX XXXX XXXX  pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

XXXX XXXX pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

-XXXX XXXX/XXXX  pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act, ( FCRA ), XXXX XXXX XXXX, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under XXXX XXXX. XXXX ( a ) ( XXXX ), any information found to be inaccurate incomplete, or unverifiable must be properly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Equifax : XXXX. XXXX a thorough reinvestigation of the following disputed accounts or items. 

Name Account Number Amount First Financial XXXX SD XXXX Late Payments XXXX XXXX Services XXXX {$47000.00} XXXX XXXX XXXX XXXX {$32000.00} XXXX Bank XXXX {$11000.00} XXXX Bank XXXX {$9700.00} XXXX XXXX Bank XXXX {$630.00} XXXX XXXX Bank XXXX {$4000.00} XXXX Bank XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$5600.00} XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Delete all information that can not validated or is inaccurate, as mandated by law Given the recent CFPB findings, I expect Equifax to handle this dispute with the utmost seriousness and compliance legal standards. A copy of my identification is attached to this letter. 
If Equifax fails to comply with its obligations under the FCRA, this dispute will be sent to the CFPB and pursue any necessary legal actions to protect my rights. 
Please respond to this dispute in writing within 30 days or sooner. I expect written confirmation of any changes to my credit file immediately. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and would like for all listed hard inquiries to be blocked and deleted from the company Equifax for myself XXXX XXXX, last XXXX of my social is XXXX, XXXX is XX/XX/XXXX. Please delete the following hard inquiries listed XXXX  date listed XX/XX/XXXX, and XXXX date listed XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX-REPORTED Account Number : XXXX Please remove it from my credit report. 


10. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. The inquiry was not authorized XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


14. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


15. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXXXXXX, XXXX XXXX MI XXXX. 

THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. 

I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. 

THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. 

MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE.

SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesXXXX XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off/Never late. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$5100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Credit Limit - Highest Balance {$12000.00} Terms 1 Months On Record UntilXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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.
Product: Debt collection

I have filed a Cease and Desist with Navient formerly Sallie Mae to not call me. They have been calling me daily for the last week. I am not late and do not owe. Have requested in writing valid loan information and they have not sent to me. 

They are breaking the law again.
Product: Credit reporting or other personal consumer reports

shows as paid or paying as agreed when the account is already paid satisfactorily
Product: Money transfer, virtual currency, or money service

I am finish g a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit card or prepaid card

I tried to see my last monthly statement and after my log in data were automatically entered, it said that my password is wrong and to click the link saying that I forgot it ; after doing that, it said to enter my full social security number which I did correctly.After that it said that it is wrong number and my access to BBVA site is locked, with suggestion to call a toll-free number, which I can not do from where I am here in a foreign country without access to any regular phone to make a direct call from here ( I am now in a remote countryside of XXXX XXXX XXXX. 
The only way to reach me here is by internet or by calling my mobil phone at XXXX if I will be in an area with good reception. 
My last 4 digits of my account are XXXX With anticipated thanks, XXXX XXXX, cardholder
Product: Credit reporting or other personal consumer reports

My prior landlord, The XXXX XXXX, falsely reported that money was owed to them for unpaid rent 5-6 months after I had moved to a new apartment a mile away with a known forwarding address ( given to them and filed with the post office etc in place before the move ) which wasn't used for the lawsuit they knowingly filed and only served to the apartment once it was vacant. There has never been any attempt to serve any papers to my legal residence, e-mail, or even via newspaper notice as allowed by XXXX XXXX XXXX. They simply reported it to a collection agency that has been updating my reports monthly with increased balances under two different names. The amount began at {$8900.00} in XX/XX/year> and is currently at {$10000.00}. Columbia Debt Recovery is the name they use for XXXX and XXXX, they report this to XXXX under Genesis Credit. Both of these entities are at the same contact info ( address and phone numbers ) in Washington state. 

when I was first aware of the collection, I asked them for this information directly so I could dispute it, which was ignored. I then asked them to stop contacting me, which was respected until earlier this year when they began calling and emailing me again. 

The landlord filed this in retaliation after refusing to make the apartment legally habitable during the covid quarantine. there is endlesss email correspondence back and forth asking for the repairs to be made. they were ignored and money was withheld from the rent in increasing amounts over the course of 6-7 months. complaints with the city were filed but no inspections were being done during the lockdown, nor was it possible for me to arrange any repairs or even move out of the unit. All of this is in email, along with their acknowledgment of owing me thousands of dollars after stealing my property from their on site storage service that only they had access to, they agreed to pay me and then decided not to. 

If a lawsuit was legally filed, they would lose and be countersued for damages. instead they filed these false reports in retaliation which has now made it impossible for me to rent with it on my record. 

The XXXX XXXX  is owned by the XXXX XXXX in XXXX Illinois where I am a resident. this out of state company using two different entities to falsely report amounts that are not owed by me nor allowed as collection fees per law. 

Columbia Debt/Genesis is in at XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX and phone XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the validity of an account that has been verified by Equifax on my credit report. Despite my repeated attempts to challenge the accuracy of this information, Equifax has consistently upheld the verification of this account without providing sufficient evidence regarding the verification process. 
Under 15 U.S. Code 1681i section 5a, I have the right to request detailed information about how XXXX verified the account in question, including whom they spoke to, the date of verification, and what specific information was provided. This provision explicitly states that if the information can not be verified, the account must be removed from my credit report. Equifax only removed one account and I addressed multiple accounts that are needing to be removed. Below are the current accounts I am disputing that need to be removed from my credit report : XXXX XXXX XXXX Balance : {$0.00} This account needs to be removed from my credit report as I have provided proper documentation relating to identity theft. Please remove and block. 

XXXX XXXX XXXX XXXX These three accounts needs to be removed from my credit report as I have provided proper documentation relating to identity theft. Please remove all three accounts and block. 

XXXX XXXX Please remove this account as it is relating to identity theft. Attached is the proper documentation. Please remove and block. 

XXXX XXXX  XXXX Please remove this account as it is relating to identity theft. Attached is the proper documentation. Please remove and block. 

I have submitted multiple disputes regarding this account to Equifax, yet each time I have been met with the same response indicating verification without transparency regarding the verification process. As a consumer, I am entitled to clear and thorough documentation regarding the verification procedure to ensure the accuracy of the information on my credit report. 

Therefore, I demand that XXXX rectify this situation within 10 business days of receiving this notice. This entails providing me with the requested information regarding the verification process for the disputed account or, failing that, removing the account from my credit report in accordance with the aforementioned statute. 
Failure to comply with this request within the specified timeframe will result in further action being taken to ensure my rights as a consumer are upheld. I expect prompt and decisive action on this matter and will be monitoring the progress closely. 
Please acknowledge receipt of this dispute letter and provide confirmation of the actions being taken to address this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an address XXXX XXXX XXXX XXXX Florida XXXX and an employer named XXXXXXXX XXXX XXXX that I never lived or worked for someone else has gained access to my credit report back in XX/XX/2022 and it wasn't me the only person I know lives in XXXX is my ex husband and his girlfriend I have been in Georgia for XXXX years
Product: Student loan

After filing bankruptcy and getting correctly discharged, I was told by my lawyer that I was eligible to have my student loans deferred within a forbearance for up to 5 years. My lawyer stated that this type of forbearance was sent in seeking the full 5 years. This was completed at the start of my Bk on XX/XX/XXXX then on XX/XX/XXXX I received a message that my payment was pretty much due immediately. XX/XX/XXXX. I immediately called regarding this, Luckily I still knew my account information log in and checked my old password because one would think something as serious as this would be more of a notice AND sent within mail correspondence. 

They have my correct number and address but choose to send me an email instead. I am having problems with XXXX XXXX : 1 ) the above is where the deceptive practices began. 
2 ) next after speaking to their customer service rep they simply told me to send in my bankruptcy paper work and they will get back with me. ( Saturday XX/XX/XXXX ) 3 ) I called back on Monday XX/XX/XXXX because the payment was due very soon. At this time the other rep had no idea of the my very sensitive paper work went to and who was reviewing it. Then advised me to also apply for a general 3 month forbearance. No one knows what they are doing! 
4 ) XXXX is attempting to ruin my fresh bankruptcy because which will cause direct harm to my financial lively hood due to their unprofessional, disorganized approach to handling my profile. 
5 ) this loan showed discharged in bankruptcy within my discharge paperwork.