23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from Capital One Bank USA that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that Capital One Bank USA is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act 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 a 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: Debt collection

Jefferson Capital Systems , LLC, a national debt collector, is attempting to collect on a debt that has been processed and accepted by XXXX, an insurance company. The alleged debt arises from XXXX XXXX in the amount of {$4000.00} for four devices and on months service with late fees ( two phones for {$680.00} each, two tablets for {$760.00} each and one hotspot device for {$85.00} ). The telephone numbers and corresponding insurance claim numbers associated with each device are XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, and XXXX for the service on the hot spot device which I own. I tried to pay the {$85.00} for the one month of service with late fee, but I was told by XXXX that the account ( account number XXXX ) had been forwarded to collections. I then informed XXXX XXXX that they are attempting to collect twice and are double dipping while committing at least two criminal acts of wire fraud and insurance fraud as well as violating State and Federal debt collation regulations and laws. I have elected not to have my devices replaced after the claims were accepted by the insurance company and, as such, XXXX had billed me for and placed charges on my account for the replacement devices which has now been forwarded to this collection agency. While I understand the norm is to replace the devices and then bill the account for the newly replaced devices that is not the case in this instance. Therefore, no money is due by me for the devices that the insurance company paid out on. XXXX XXXX has sold the debt associated with my account to this collection agency for an undisclosed amount and the debt collector is now trying to solicit payment on a debt that, except for the {$85.00}, has already been, or should have been, satisfied. In resolution of the double dipping attempt by this collection agency I would like full forgiveness of the debt by both the collection agency and XXXX XXXX along with updated credit reported data provided to all credit reporting agencies. I would also like this CFPB complaint to be sent to the appropriate State and federal regulatory agencies for a thorough and complete investigation to determine if this practice and type of behavior by the companies involved is the norm as a matter of ordinary business practices including, but not limited to, the XXXX XXXX XXXX XXXX ( XXXX  ).
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am disputing a late payment reported by XXXX XXXX for XX/XX/ on my credit report. This negative mark is the result of a breakdown in communication, not any negligence or intentional non-payment on my part. I have always maintained an excellent payment history and take my financial responsibilities seriously. 

I was enrolled in autopay and was unaware that it needed to be renewed. While XXXX may have processed and sent a notice by mail regarding the renewal, I never received that notice by mail. There was no follow-up by phone or email, and I had no indication that any action was needed to continue my automatic payments. 

This issue happened during a time when my mortgage was being transferred, with the most recent transfer to XXXX XXXX in XX/XX/XXXX I was advised that a XXXX protection period applies during servicing transfers, which is designed to prevent negative credit reporting or penalties during such transitions. 

I only became aware of the missed payment after receiving a notice from XXXX for a combined payment for XXXX and XXXX XXXX When I contacted XXXX XXXX, I was not informed that I was considered late or that a negative report had been submitted. I was simply told I could submit the payment through them. 

Despite explaining the situation, XXXX responded with a general statement affirming the accuracy of their reporting, but they did not directly address the communication breakdown or provide confirmation that the notice was successfully delivered, nor is there any record or confirmation that I actually received it. 

Given my consistent payment history, the lack of clear and effective communication, and the transfer-related protections in place, I believe this negative mark is unfair and inaccurate. I respectfully request that the XX/XX/ late payment be removed or corrected on my credit report.
Product: Credit card

This is in regards to my Citi Diamond Preferred CardXXXX. I have lost my card and it have a lot of unauthorized charges. I called and reported right away around XX/XX/year> but they were unable to locate my account and told me to wait till I received a code in the mail. I waited for two weeks and then call back again on XX/XX/year> when I didn't receive anything int he mail. I was told the same thing again that they are unable to verify my identity and I need to wait till I received a code via mail. I asked them if there is another way to get it faster, and their answer was NO. I waited again and finally got a letter in mail on XX/XX/XXXX. I called and reported my card lost then. Now they are not resolving my issue and its not fair with me to pay for something that I did not authorize.Total amount is around {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 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 below : XXXX XXXXXXXX XXXX : {$10000.00}, XXXX XXXXXXXX Balance : {$290.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

There have been incorrect reports on my account, and XXXX collections on my account that are false. XXXX management is from a card from XXXX XXXX that was OPENED FRAUDULENTLY! Yet They wont remove off my report nor prove that they conducted an investigation. XXXX XXXX XXXX was paid through XXXX XXXX  before ever being sent to collections, yet wont provide proof that they actually conducted an investigation to it. This agency has FAILED to actually look into, perform due diligence, and actually conduct investigations to prove the debtors claims as they simply sided with them without looking into anything! XXXX on my account are FRAUDULENT accounts that was once removed but somehow readded to my report. XXXX XXXX with XXXX  XXXX is FRAUDULENT yet wont conduct any research on my part! THIS AGENCY IS FORCING ME TO PAY FOR DEBT THAT IS NOT MINES AND DAMAGING MY CREDIT IN THE SAME INSTANCE!
Product: Debt collection

Transworld Systems Inc sent me a letter dated XXXX/XXXX/16 claiming I owed them {$870.00} and offering me a XXXX % settlement. Two weeks later I called them requesting proof of debt. I also called the hospital, confirmed that I owed them NO money and that I had insurance at the time this charge may have been incurred. I tried to get the phone number of the creditor from Transworld and the request was denied. I was also informed by the hospital that they never worked with the creditor listed -- XXXX XXXX XXXX. 

It is now XXXX XXXX. I still have not received proof of debt. I called Transworld again this morning. The phone went immediately to an extension 's voicemail. That mailbox was full and unable to record messages. I went to Transworld 's listed website " XXXX '' to try to contact someone -- that website has been shutdown. 

I do not have money to buy my credit report to see if this charge has been listed against me. 

The address for XXXX XXXX XXXX is for an office building. The suite number was not provided. I have no way to contact them. 

The above leads me to believe that this is an attempt to steal money from me by threatening my credit score by illegally obtaining protected health information.
Product: Student loan

In response to current pending complaint " XXXX '' ... There is no option to reply on that one! Really not helpful! 

A follow up on the XX/XX/XXXX ( 60 day breach and failure to respond ) email from you : " We havent received a final response from the company in the expected time, even though the company initially responded that they were working on your complaint. 

Weve alerted the company that its response to your complaint is now past due and that a response is still expected. 

" What I expect is the following from you : 1 - Any communication from Ed Financial be reviewed and tracked by you. Please consider engaging XXXX 2 - How and when will you hold them responsible? How and when will you " enforce federal consumer financial laws '' 3 - You should also hold studentaid.gov responsible as per the document and reasons I supplied ( attached to XXXX ). I have not heard back from neither of them regarding that document! Implying FRAUD!!!!!!!!!!!! 


This frustration has been going on with me since XX/XX/XXXX. I am glad it has taken, even you, 60 days for them to continue to show failures and incompetence which are legitimate indicators to fraud! I strongly recommend legal eyes on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 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 fix the following accounts : XXXX XXXX  Balance : {$26000.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX  Balance : {$1500.00}
Product: Credit reporting or other personal consumer reports

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  ) To Whom It May Concern, This letter serves as a formal demand for the immediate deletion of inaccurate and incomplete information on my credit report, as you have failed to properly update or remove the disputed information as required under the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts to resolve this issue Despite these requirements, Experian has failed to address this matter adequately. At this point, your repeated inaction not only undermines my confidence in the credit reporting system but also continues to negatively impact my financial standing and opportunities.

Experian is in a unique position of trust and responsibility. Consumers like me rely on your organization to maintain the integrity and accuracy of the information you report. When that trust is broken, the harm is not just financialits deeply personal. I should not have to beg for fairness and accuracy in handling my own data.

This situation is not complicated : the information I have disputed is unverifiable, incomplete, and inaccurate. Doing the right thing means ensuring that such information is removed from my credit report. The law supports this action, but more importantly, it is simply the ethical thing to do.

Given that Experian has not taken the necessary steps to verify or correct the disputed information, I am now demanding the deletions of all referenced accounts immediately. This is not only my right under the FCRA, but also your obligation as a credit reporting agency to ensure the accuracy and fairness of the information you maintain.

Failure to Comply with FCRA Obligations Under 15 U.S.C. 1681i ( a ), you are required to conduct a proper reinvestigations of disputed information within 30 days and either verify, correct, or delete information that is inaccurate, incomplete, or unverifiable. Experian has failed to meet these obligations, leaving me no choice but to escalate this matter.

Demand for Resolution I am demanding the immediate deletion of the disputed accounts from my credit report. If Experian does not comply with this request, I will be forced to pursue legal action in state or federal court and escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) as a separate complaint.

Please understand that this is not a request for further investigation or reviewI have already given Experian ample opportunity to resolve this matter properly. This is a final demand for action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX and Portfolio recovery systems have purchased my accounts from other creditors and do not have proof that I owe anything to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 accounts that does not belong to me. XXXX XXXX XXXXXXXX # XXXX, XXXX and XXXX XXXX XXXXXXXX. I have submitted these accounts to Transunion with supporting documents several times and they still send me letters stating that the accounts have been verified. XXXX XXXX with XXXX I submitted to them as well asking to provided proof of ownership I receive nothing.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 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 ).

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

I have been in communication with this agency via telephone, online, and certified US mail to attempt to get an ongoing issue resolved that has been an issue now for over a year. There are multiple inaccuracies and duplicate inaccuracies listed on my personal credit report with this agency that I have requested to be corrected and removed on multiple occasions. The only feedback that I ever receive is that a dispute will be issued on my behalf to investigate the complaint.

I have requested specific details of any investigation that states that I am liable, I have asked for the person ( s ) name and contact information who may have confirmed the inaccuracies with no response or documentation being provided.

These multiple inaccuracies and duplication have impacted my overall credit score and my personal lifestyle in a negative manner, causing me to lost job opportunities, pay higher interest rates on credit items, and have caused me the inability to secure stable residency due to these inaccuracies and duplication 's. 

NOTE : I have attached a copy of the complete form for XXXX, because as usual, I have to go through extensive measures just to access my XXXX credit report and I was told that I am not able to access it on line without a valid explanation. 

To have to continue through this extensive step each and every time, is a huge inconvenience to me especially when I am complaining about inaccuracies that these credit reporting agencies are listing onto my personal consumer credit file in error. 

All 3 credit reporting agencies make it very difficult to get in contact with them over the telephone, and when communicating online, there is never a satisfactory resolution. When you communicate through US Certified Mail, you never get the requested information regarding details of the investigations, you only get a single page showing which items have been deleted and which item still remain which makes consumers have to start over from scratch which further delays the correction/removal process, impacting the financial abilities of the consumer. All because items are just randomly being placed onto consumer profiles without any obligation to verify the information before impacting the consumer in a negative manner.
Product: Credit reporting or other personal consumer reports

Hunter Warfield a Collection firm was given personal confidential contact information by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Emergency Contact person was threatened and harrassed.I was never contact by Hunter Warfield regarding the issue.I have phone records to verify that I was never contacted.My Emergency Contact person has records to verify the calls from Hunter Warfield .

Hunter Warfield XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I underwent several month of sickeness due to XXXX like symptoms. I also lost two members of my family and faced the transition of also having to abruptly move home from my university. According to Section 1637 ( b ) I should have received notice 21 days before due date of payment. I have never received any notification of payment. XXXX claims regardless of sickness they are not able to change this information on my report whether due to sickness, ailing health or not.
Product: Debt collection

According to the Fair Credit Section 609 ( a ) ( 1 ) ( a ) you are required by Federal Law to verify through the physical verification of the original consumer contraction all and any account you post and credit report. 
I am demanding validation made pursuant to the Fair Debt Collection Practices Act and The Fair Credit Reporting Act along with the corresponding local and state laws. Note that I am requesting validation that is competent evidence bearing my signature showing that I have ever had an obligation to pay you. 
Please also be aware that any negative mark found on my credit report from your company or any company that represent for debt that I do not owe is a violation of the FCRA FDCPA therefore, if you can not validate the debt, you must remove. 
Pending the outcome of my investigation of any evidence you submit you are instructed to take no action that could be detrimental to my credit report. Failure to respond within 30 days of receipt of this letter may result in legal action against your company or XXXX dollars in damage per violation for : Defamation Negligent Enhancement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Sec 807-808 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Sec 623 ) Please be aware that depending upon your response, I may be detailing any potential issue with your company via online public press, including any documentation of any small claim action. I am also sending a copy of my complaint to the Consumer Finance Inspection Bureau. 

Credence Resource Management XXXX XXXX XXXX XXXX XXXX Debt XXXX Credence Resource Management XXXX XXXX  XXXX XXXX XXXX MI  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below reported one late payment for XX/XX/2023 I already fix the issue with the company they agreed to remove the late payment. The current account status should be never late on any payments. 

Account name : XXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

There is an inquiry listed from XXXX XXXX from XXXX  that I do not recognise listed on all three of my credit reports from XXXX XXXX and Transunion.