23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2024 I wrote the following to Jefferson Capital Systems : I am writing to request validation of an alleged debt that appears on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification and validation of any debt that is being reported or collected. 

Please provide the following information to validate the debt in question : 1. The original Assignment Contract 2. A detailed accounting of the alleged debt, including a breakdown of the principal, interest, fees, and any other charges.

3.Proof that the debt belongs to me and is not a result of identity theft or fraud.

4. Any other documentation that proves your legal right to collect this debt. 

Please consider this a formal dispute of the debt until you can provide the requested validation. I request that you cease all collection activities until this validation is completed. If you fail to provide adequate validation, I will have no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has incorrect / missing data past XXXX. XXXX was removed by XXXX, XXXX, and XXXX due to incorrect/missing data past XXXX. 
Experian when disputing incorrect/missing data past XXXX for this line keeps reporting post dispute the line as a Charge off each month I submit a report to remove line due to incorrect/missing data & past XXXX. 

I have contacted XXXX directly who reports via phone that incorrect/missing data past XXXX can not be validated by them as they are unable to access the data due to age of the line. I was advised to contact the credit reporting to have the line updated/removed. 

When asking the XXXX owner who is updating the info incorrectly to the agency, the XXXX could not access the data due to the age of the debt. 

XXXX was removed by XXXX, XXXX, and XXXX due to incorrect/missing data past XXXX. 

Requested Experian to remove due to incorrect/missing data and the age of line past XXXX. Experian instead keeps adding charge off indicator each month a dispute is added vs adding the original charge off date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed by mail several inquiries and I have not received a response from TransUnion. I have attached a new letter with the inquiries I am disputing.
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX and I been unknown negative information on my credit report that I have been disputing with XXXX, XXXX, and Experian trying to get this unknown inaccurate information removed from my credit report. I have been reaching out to these companies since XX/XX/2023 and they continue to ignore my request and violate my rights as a consumer. These companies are treating me unfairly which has caused me financial hardships for my family and myself due to this inaccurate unknown information which is negatively affecting my credit report. I have loss employment and housing due to this negative unknown information reporting on my credit. I am requesting your help to please hold these companies accountable for violating myself and the law and demand them to remove this negative inaccurate unknown information immediately.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX 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: Debt collection

I had a significant family tragedy in XXXX which I am still dealing with today. This tragedy caused me to " drop the ball '' and I ended up failing to pay my credit card bill on time. As a result US Bank called me to inform me that my account was past due in XXXX. The calls prior to when I made the overdue payment are completely understandable and permitted by the FDCPA. Once I got back to my hotel I immediately went online and paid US Bank using funds from a checking account at US Bank. The funds were removed from my checking account and I could see the payment on the US Bank Credit Card. Later that evening US Bank called again while I was on the phone with my wife discussing my family tragedy. Due to the nature of my personal tragedy the call was very painful to receive and served as a reminder of how much I was failing. There was no reason for US Bank to call me after they had taken possession of the money and were made whole. At some point I called in and talked to a supervisor at the collections department who explained that whether or not US Bank has received a payment the auto-dialer continues to call until the next day. 

I contacted US Bank to try to try to get US Bank to recognize this was an issue and ask them to make a change to prevent the erroneous call in the future. Unfortunately I ran out of time to get back to them and didn't bring it back up until this month. I reached out about this issue and long-term payment relief options ( related to COVID-19 ). A US Bank representative called me to let me know they were going to research the issue and get back to me. 

Today, XX/XX/2020, I received a call from a representative who explained the same thing the collections supervisor did and told me US Bank had no intention of improving the issue at this time and, instead, would take the issue under advisement for future improvement. This is unacceptable as the monthly US Bank statements note, " The payment date is the day we receive your check or money order at U.S. Bank National Association, XXXX. XXXX XXXX, XXXX XXXX, MO XXXX or the day we receive your electronic or phone payment. '' As far as I am concerned if US Bank removed my ability to access the money for the payment from my account or took the money out of my account then they have received the payment. 

I believe I consented to auto-dialed calls related to collections and account security only. I do not believe I consented to auto-dialed calls that are /not/ regarding account security or collections. A call because my account is no longer past due is /not/ a collections call. 

No one should have to continue receiving harassing phone calls after they have righted their wrong ( brought their account current after missing a payment ). This is true even if the person isn't dealing with a significant family tragedy.
Product: Credit card or prepaid card

I was a victim of identity theft my phone number, cards social security number and other things was solid to someone on the dark web and I was a victim of security breach with reporting agency. I filed a report with the federal trade commission and let the credit bureaus and credit card company CBNA know and attached the report to my dispute. all but XXXX has not removed the cbna account from my report. I filed disputes attaching the FTC identity theft report and still its not been removed from XXXX. 

CBNA Said they will investigate the matter but never gave me an update. I would like to know a decision!

My credit score was fixed when they added remark code : dispute account information/ close by consumer My credit score dropped 50+ points yesterday when the changed the remark code to dispute resolved, consumer disagrees/ close by consumer The Dispute is not resolved
Product: Debt collection

On XXXX XXXX, 2017 I contacted Sunrise Credit Services INC in regards to an XXXX XXXX XXXX account that they were attempting to collect. I spoke with XXXX XXXX, a representative of the company, who refused to give me a employee identification number. She was attempting to collect {$2000.00} from me. I do not owe XXXX XXXX XXXX this amount of money. 

1. I asked XXXX XXXX, a representative of Sunrise Credit Services to conduct a investigation into the amount owed because it seems really expensive for 1 month of service. I told her that The Fair Credit Reporting act requires any reasonable dispute to be investigated in regards to debt collection. I wanted the amount owed verified and possibly a break down of these charges. She refused to investigate this matter, insisting the amount owed was correct and attempted to collect it via a credit or debit card. I refused to make payment until amount is verified. 

2. I never recieved a XXXX XXXX XXXX bill even tho I contacted the company numerous times stating they had the wrong address on the account. That matter was never resolved, and I never recieved a bill.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$470.00} XXXX XXXXXXXX XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$31000.00}
Product: Debt collection

Credence Resource Management violated the Fair Credit Reporting Act by sending negative credit report information to XXXX without notifying me of collection efforts, or giving me an opportunity to dispute the claim. 

The amount that Credence Resource Management claims that I owe accumulated after the cancellation of XXXX XXXX XXXX for the phone number ( XXXX ) XXXX on XX/XX/year>. Per XXXX customer service chat ID XXXX, XXXX XXXX XXXX  have been cancelled and the phone number ( XXXX ) XXXX is not in use. Please note the " XXXX GB of XXXX used '' as well as " XXXX  calls / XXXX  texts '' on both itemized statements they provided, the billing cycles of which are from after the date I cancelled XXXX XXXX XXXX. I did not use mobile data, did not send any texts, and did not make any calls, because I had cancelled XXXX XXXX XXXX XXXX  with customer support on XX/XX/year>. Any charges after this date are fraudulent and incorrect. 

This is the third instance I have experienced of XXXX XXXX failing to cancel mobile services after I contacted customer support, continuing to charge me for cancelled services which customer support verified were cancelled, and then selling a debt I do not owe to Credence Resource Management. I am not liable for XXXX XXXXXXXX XXXX recordkeeping errors and I will not under any circumstances pay any balance accumulated after I cancelled services. 

I am extremely upset that Credence Resource Management forwarded this information to credit reporting agencies without providing me an opportunity to dispute this third fraudulent claim. Credence Resource Management is in frequent violation of my written request for them to cease efforts to collection on debts with XXXX XXXX account XXXX, which debts are fraudulent and I do not owe.
Product: Credit card

The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section XXXX XXXX XXXX states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. Bank of America XXXX XXXX XXXX Bank of America XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX
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. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

XXXX XXXX Account XXXX, has violated my rights has violated my rights.

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

Capital One XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX Acct # XXXX XXXX owed Another address they have is Capital one XXXX XXXX XXXX XXXX VA XXXX This debt is not mine. See attached certified return receipt asking for a signed contract with my signature on it. No one has sent me anything after 15letters. 
Remove my credit or provide the sign contract.
Product: Student loan

To whom it may concern, On XX/XX/2023 I submitted a payment of {$30000.00} to Nelnet be dispersed to all 13 of my student loans. The total amount due in student loans was {$40000.00}. It took Nelnet until XX/XX/2023 to initially process my {$30000.00}. That means it took 11 days to process the funds, all the while interest on my {$40000.00} loans was accruing. When the {$30000.00} payment was processed by Nelnet and applied to my loans, Nelnet only applied {$14000.00} to the principal loan amount and {$160.00} to loan interest. This amounted to {$14000.00} of the {$30000.00} payment being used for payment of principal and interest. The remaining unused funds from my initial {$30000.00} payment amounted to {$15000.00}. 

I spoke to a Nelnet representative on the phone on XX/XX/XXXX, who informed me that the remaining, unused, {$15000.00} from my payment would be refunded to me over the next two weeks. 

On XX/XX/XXXX, I called Nelnet to confirm that my refund of {$15000.00} was being processed. The representative told me that there was no record of a refund request. Instead, the representative told me that there was an issue on their end with the proper allocation of my initial {$30000.00} payment. The representative told me that they contacted their accounting department and that one of their financial representatives would manually review my payment and allocate the remaining {$15000.00} to the remainder of my loans and that the allocation would be processed the same day ( XX/XX/XXXX ). 

Today, on XX/XX/XXXX, I checked the status of my payment and it says that the payment processed in Nelnet 's system. However, the remaining {$15000.00} of my original payment was still not applied to my loans. So, currently as it stands, Nelnet is not refunding me my {$15000.00} and they are also not applying the {$15000.00} to my loans. They have effectively stolen that money from me. Every time I call I get different answers and nothing ever happens with my money. It just sits in Nelnet 's system. 

Please help me resolve this issue. 

Sincerely, A responsible student loan borrower
Product: Credit reporting or other personal consumer reports

XXXX XXXX bought an account that was closed off of my experian account due to fraudulent activity. Experian put it back on my account and when I went to dispute it with the company the company never sent me the original copies of the contracts they just stopped responding until a couple months later when they sent me a letter saying I owe them XXXX dollars.Again they put it on my Experian account and Experian just tells me to contact them starting the process over again. Its still on my credit because yet again they stopped contacting me. Also how am I paying XXXX to be notified of any changes and Im not getting notified of when theyre adding the same exact thing over and over again
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2021, I have view my credit report and found a lot of errors. Some of which were actually FCRA Violations. Every time I disputed with Equifax, they would just send me back a letter saying that everything is verified. There is no way that they could verify a FCRA Violation 623 failure to disclose Account in dispute notice or Re-aging my accounts. Ive sent letter throughout the year with no success and now I am trying to resolve this matter before escalating it to higher channels. I have enclosed copies of the original letter to EQUIFAX INFORMATION SERVICES, on XXXX XXXX via certified mail. I have also enclosed a recent credit report with the problem accounts highlighted. 

Accounts in question : XXXX of last activity has been re-aged. FCRA Violation XXXX FCRA violation 623 Failure to display Account in Dispute Date of last Activity is not accurate with the other bureaus High Credit Limit missing XXXX XXXXXXXX XXXX Date of last activity is different from the other bureaus. If all bureaus get information from the same source then how can it be different? 
Missing date of last payment. 

Please remove these inaccurate/FCRA Violation accounts from my credit report. These inaccuracies is hindering me from obtaining credit in the future.
Product: Credit reporting or other personal consumer reports

I am disputing a debt on my credit report that does not belong to me. This debt is the result of identity theft, and I have no association with the account. I am requesting its immediate removal from my credit report under the Fair Credit Reporting Act ( FCRA ). 

Please investigate this matter and take appropriate action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two unverified accounts that I have already file a complaint about the inaccurately. 
XXXX XXXX XXXX, XXXX XXXX XXXX. I have some issues also with inquires that are not mine Please delete : XXXX XXXX XXXX, XXXX XXXX via XXXX, XXXX, XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX via XXXX, XXXX XXXX via XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the recent Equifax data breach and identity theft. The following hard inquiries are fraudulent, unauthorized and dont belong to me : 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

On XX/XX/2022. Transunion, XXXX, and XXXX failed to produce an investigative report on XXXX XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing has been done to remove this off my credit it no longer valid
Product: Credit card or prepaid card

The credit card issuer, Elan Financial Services, uses an arbitrary cutoff time of XXXX XXXX  central time to determine whether a payment is considered on time or late. This information is buried in the fine print of their member agreement yet their payment system, when submitting a payment, indicates that the payment will be processed on time when submitted on the due date but after the arbitrary cutoff. 

The use of an arbitrary cutoff rather than a transparent cutoff like 'midnight ' on the day payment is due is clearly an attempt to confuse consumers with a 'gotcha ' policy that results in more revenue from late fees and preys on consumers who think they are being responsible by making payments on the due date only to find out the arbitrary cutoff was missed by a matter of minutes. The use of an obscure and arbitrary payment cutoff deadline is predatory behavior and should not be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX  XXXX has violated my rights. 




15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions