23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021, i sent a dispute letter to the consumer reporting agency disputing an alleged debt by Jefferson Capital Systems. On XX/XX/2021 ( not within the 5 days 15 US code 1692g gives which is a violation ) i received a letter from Attorney at law XXXX XXXX stating that this is an attempt to collect a debt. After the consumer reporting agency failed to remove my dispute and stated the debt was verified i begun to research what verification methods were used to verify the alleged debt. Congress states the natural person has to verify a debt. Congress also states that in order to verify any debt interviews must be taken with family or neighbors, nothing on the list of validation has taken place therefore this alleged debt has not been verified. Pursuant 15 USC 1681b ( 2 ) permissible purpose which i have not given a written consent to furnish. On XX/XX/2021 i sent a letter regarding debt being alleged and that contacting myself via mail is a violation because you were never given consent. Since this charge off has been placed on my consumer report i have suffered living arrangement damages. As a consumer and natural person im aware my what my social security card and my birth certificate is. Jefferson Captial Systems has held an allege debt of {$3100.00} on my consumer report for atleast 4 months.
Product: Credit reporting or other personal consumer reports

I've have been a transient for XXXX i just stepped back into my life I've been on the streets across the now I'm a unknown victim this is causes me health issues please help
Product: Debt collection

I'm not sure what's going on here, but I personally spoke with the collections company and they clearly mentioned that once it was paid that they will remove it from my credit. It was removed from XXXX  and XXXX, however, XXXX  still reports incorrect balance and payment status. Again, Im a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report.
Product: Debt collection

On XX/XX/XXXX my attorney sent certified mail to XXXX XXXX also know as XXXX XXXX in an attempt to settle my debt. It contained a settlement letter and check # XXXX for the amount of {$500.00}, both of which stated that negotiation of the check shall constitute complete satisfaction of claims. The last 4 digits of my account number were written in the memo section of the check stating full settlement. On XX/XX/XXXX, the settlement check for {$500.00} was cashed. 

The credit agencies are still reporting I have a past due balance, I believe that this is a violation of the Fair Debt Collection Practices Act, 15 U.S.C.1692 ( c ) as this debt has been settled by the original creditor and should be reported as paid settled with {$0.00} balance due. 

I called XXXX 's on XX/XX/XXXX but was not able to resolve this matter.
Product: Mortgage

there was a delinquency on a mortgage with PennyMac. We made an agreement, utilizing COVD Relief Program. I went to purchase a new vehicle and was denied due to an inaccurate past due of XXXX on my credit report.
Product: Debt collection

This. company Medical Data Systems appears on my credit report for {$2400.00}. This debt does not belong to me - I have been XXXX XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
Product: Student loan

I have previously applied for an XXXX repayment plan, as directed through the us.gov website and received email confirmation that my application was submitted on XX/XX/XXXX from fed student aid and request was received XX/XX/XXXX from NELNET. I then logged into my direct student loan provider ( Nelnet ) and became aware this was never processed. I attempted to call Nelnet and remained on hold for over 2 hours without ever speaking to a representative. I again, applied for my XXXX directly through Nelnets portal and received email verification on XX/XX/XXXX. I am scared that my application was lost again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX AUTO / {$0.00} / XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 GLOBAL ASSET AGENCY added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA GLOBAL ASSET AGENCY violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that, I sent in dispute for, and the XXXX credit reporting agencies are avoiding me and my letters, its been over 90 days, any they haven't responded to any or my letters about those negative accounts on my credit reports. 

I cant handle this situation anymore, could you please make them respond to the disputes and remove those items that they failed to challenge within 30 days, they also are not notating the accounts are being disputed in the comments section of each account. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I am writing to dispute the following information provided to Experian, XXXX and XXXX. I have given documentation showing the items I am disputing on the attached copy of my credit report ( s ). 

These items are inaccurate because I am requesting that the items are removed from my credit report to show the utmost updated information. 

Address : XXXXXXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Note : Wrong address and wrong residence type Address : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Note : Wrong address and wrong residence type Address : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX : Never lived here ; No address associated with any history of mine Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Note XXXX Never lived here ; No address associated with any history of mine Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Note : Wrong address associated with any history of mine Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Note : Never lived here ; No address associated with any history of mine Enclosed are copies of supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed items as soon as possible.
Product: Debt collection

I had a credit card debt on my credit report and reached out to Midland Credit Management to understand why this old debt was on my report and to provide debt verification so that I could resolve or dispute. They refused to communicate with me via email. The refused to allow me to access account information on their online system. They refused to allow chat reps or phone reps to discuss the account with me other than to say that I had to provide my address for them to speak with me. I sent a letter requesting that they communicate with me via email so I could document their communications and have prompt responses = since email is so much faster than postal mail = and they refused. I called them after receiving no response to my letter and they said they could not discuss my account because it was disputed ( and I had merely requested debt verification ) and that it would take 90 days to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX : XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amount showing due on my Experian Credit Report is incorrect and was never late. After submitting supporting documents to XXXX and Experian the item was REMOVED & DELETED as of XX/XX/2021. I'm not sure why Experian was not have been made of aware of this issue being as the other 2 agencies were and the fact they deleted it almost 4 months ago. I'm in the process of a loan closing and this issue is holding the closing up. Please fast track this request if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. This occurred XX/XX/2019 and was resolved XX/XX/2019, with the fraudulent account being removed with zero negative accounts and no collections on my credit report. Although the negative account was removed my score does reflect this and dropped my credit score to the present XXXX. 

The discrepancy of the score is due to Equifax 's consumer side which has failed to update despite the creditors properly updating the accounts. Equifax 's consumer side is a month behind. As a result, Equifax has as of XX/XX/2019 failed to properly recalculate my score. I should have a score XXXX or greater. 

I have been waiting patiently for my score to recalculate. It has been 10 months. However, I can not wait any longer. My small company needs capital in order to survive and the banks will not issue loans or credit based upon the present score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has written balance off taxes and not provided me the 1099c. It was requested & its being reported on my credit report
Product: Payday loan, title loan, personal loan, or advance loan

For loan of {$650.00} theyre charging me 700 % interest.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Formal dispute Regarding inaccurate information on my credit report Dear Experian I am writing to formally disputing an accurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the fair credit reporting act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the consumer financial protection bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sha investigations and other unlawful practices. These practices, has outlined by CFPB, Include : conducting an adequate investigations that failed to address consumer disputes properly. 
Reinserting previously disputed and an accurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These obligations highlight, systematic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. 
I am concerned that my dispu

te may be this handled in a similar manner. Please review the inaccurate information being reported 1. U
nder the FCRA youre required to. 
Conduct proper investigations to my dispute. Inform me of the results of your investigation and a clear and comprehensive manner. Provide me with the documents you rely on if the dispute information is verified as accurate. Corrected or removed from my report promptly. If the investigations concludes that the information can not be verified or remains accurate, I request the immediate removal. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue to the CFPB and other appropriate agencies. 
Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30 day frame time. 
Sincerely XXXX XXXX
Product: Checking or savings account

On XXXX XXXX I have had made purchases with my debit card totaling over {$500.00}. Those purchases were cancelled and each merchant told me that the funds were released on their end. My bank, BBVA, still has a hold on those funds. I called the to speak with a representative and they said that they did not see any money that should be credited to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$350.00}
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$130.00} XXXX XXXX Balance Owed : {$3600.00} - previously late/open XXXX XXXX XXXXXXXX Balance : {$790.00} - tied up XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX Date XXXX : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed XXXX {$540.00} XXXX XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX Balance Owed : {$290.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit card or prepaid card

I had fraudulent transactions on my card that used to end in XXXX and now ends in XXXX. I was told that they could not mail me a new physical card because all card numbers were exhausted. 

I was then directed to the special handling team to get a new account number. I was read a disclosure and was specifically told that I would receive a new account number within that day on XX/XX/XXXX, even though I didn't. I was also told that there would be no hit to my credit report and everything would stay the same. 

MY reference number is XXXX. I still have not received the new account number, and i was furthermore told today that the current account ending in XXXX will close within 5 business days of putting the request for a new account number, even though the new account number can take up to XXXX busines days to process. 

So now I'm basically in a situation where I may not have an american express card for some time as one account is closed and the other is still being processed. this makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made a payment of {$110.00} to Syncrony Bank for my Lowes card  account on XX/XX/2019 on their automated system. Their system stores two bank accounts with the same bank ( XXXX ) that I usually use to make payments. The payment was sent to the wrong account and the bank returned the payment on the XX/XX/XXXX. and I was reported that I missed my payment to the credit bureau. I had adequate funds of {$18000.00} during this period in the account that the payment was supposed to be withdrawn from.
Product: Money transfer, virtual currency, or money service

I am writing to express my concern with Zelles handling of disputes. Especially with the CFPB lawsuit regarding issues with the platform. Zelle failed to investigate my claims correctly.
Product: Credit reporting or other personal consumer reports

Letters have been sent to all three bureaus with no corrective action of illegal remarks removed from credit report. 
All three bureaus submitted corrective action under FCA and USC15 codes. 

Since bureaus was notified I have been locked out online portals to submit further action against such bureaus. Any additional contact via phone line to customer support has not assisted with access to account no deletion of accounts found on report - specially XXXX. 
XXXX XXXX XXXX XXXX XXXX and Birthcertificate found on dark web. Also may have highly been impacted by late data breach : XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently a operating member of a XXXX  listed as personal guarantor for a Bank of America XXXX loan. The loan is listed as a personal joint loan on my personal credit file. I contacted BofA twice and they tell me that everything appears to be in order with my loan and that I must dispute with the credit agencies. The credit agencies ( all XXXX ) tell me the listing on my report is correct and that I need to work with BofA to rectify. I am not sure who should own this but its affecting my personal credit standing due to this XXXX loan.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 
I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 

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

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights. The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). 

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1XXXX XXXX XXXX XXXX # XXXX ) Has violated my rights XXXX XXXX XXXX XXXX # XXXX ) Has violated my rights XXXX ( XXXX XXXX # XXXX ) Has violated my rights XXXX ( XXXXXXXX XXXX # XXXX ) Has violated my rights XXXX XXXX XXXX  # XXXX ) Has violated my rights