23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called XXXX to set up service for mobile hotspot. The person I spoke with said they package I would be getting would be unlimited data. Used the service for about 4 days before the data was slowed dramatically. Immediately called XXXX to report the issue only to discover that they had limited the amount of data service I was able to use because I had exceeded 30 gigs of data which they showed in the system was my plan versus the unlimited plan I had been told over the phone. Although they brought the issue to my attention by limiting service they also didn't do so until after 280 gigs of data had been used causing the enormous bill. I called repeatedly for months but could only reach over seas call centers that basically said I need to pay the bill or they would turn over to " collections ''. They refused to provide the requested documentation showing what I had agreed to versus what I was provided. Ultimately, I started to receive emails for a " collections '' company who come to find out was an inhouse debt collector for XXXX. More recently, they switched debt collectors. The new collector has been requesting for a 1/2 invoice settlement. In the meantime, XXXX is limiting our ability to purchase new products as a result of the bill and their collections emails have never once stated that the purpose of their letter was for the intent of collecting a debt. During the porcess of my initial months of repeated calls to XXXX, I learned that the person who originally set me up with the service, over the phone, couldn't add the device to our business account because it already had XXXX devices on it. This is important because our business account is all unlimited data. They had to create a new account in order to apply the XXXX device and that's where I believe the unlimited data was lost but I was never made aware. Further, XXXX is limiting our ability to purchase new services and devices on the business account even though the device with the complaint was set up on a different account. We feel as though we have been mislead, refused help and documentation when we've asked for it, and ultimately penalized and threatened for a situation created by XXXX themselves.
Product: Credit reporting or other personal consumer reports

Experian has not provided evidence of an investigation, Violating the Fair Credit Reporting Act to conduct reasonable investigations of my credit profile/ report. Experian has failed to remove unverified accounts. The CFPB has recently filed a lawsuit against Experian for failure to comply with accurate credit reporting. My report has never been fully updated, or accounts removed for violations.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to follow up on my previous complaint regarding inaccurate, unverified, and outdated information being reported on my credit reports by various creditors and collection agencies. Despite my initial submission and the reasonable time frame that has passed, I have yet to receive confirmation that the disputed information has been removed or properly verified. 

As a consumer, I am entitled to fair and accurate reporting under the Fair Credit Reporting Act ( FCRA ). Since my last complaint, the following issues remain unresolved : Outdated and Incorrect Personal Information : The following addresses and employer listings remain on my credit report despite being outdated or inaccurate : Addresses : XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Negative Credit Information : The following accounts are still being inaccurately reported without proper verification : Charge-Offs : 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 Late Payments : XXXX # XXXX Inquiries : XXXX  # XX/XX/XXXX XXXX  # XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I previously requested verification of these accounts as required under FCRA Sections 609 ( a ) ( 1 ) and 611. To date, I have not been provided with any supporting documentation proving the accuracy or validity of these accounts, nor have they been removed from my credit reports. 

Request for Immediate Action : I respectfully request that the CFPB take further action to ensure compliance with federal laws by : Requiring the credit reporting agencies and furnishers to provide actual documentation verifying the legitimacy of the reported accounts and personal information. 

Ordering the immediate deletion of any unverifiable, outdated, or inaccurate information from my credit reports. 

Investigating whether the creditors and collection agencies have fulfilled their obligations under the FCRA and imposing penalties if violations are found. 

I have provided sufficient time for resolution, yet my complaint remains unaddressed. I request immediate escalation of this matter and a detailed response outlining the actions being taken. If necessary, I am prepared to escalate my complaint further, including seeking legal remedies to enforce my rights under the FCRA. 

Please let me know if additional documentation is required to move forward. I look forward to your prompt attention to this matter and expect a response within the required timeframe. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Regional Credit Acceptance is reporting to my XXXX and other bureaus unlawfully. I have taken legal actions now because of this. Ive also requested that this account be removed and the company has failed to do. So, this has resulted in a direct dispute to get the CFPB involved to handle this matter. Ive been notified that XXXX has multiple lawsuits against them with people dealing with the same matters such as mine. There is the XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, and as well as the direct lawsuit from CFPB XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my consumer rights. They will not remove or fix a XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts listed on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time I noticed unexpected discrepancies. I even refreshed my browser thinking it might be a glitch, but the errors remained. Due to this problem, I kindly request that the documents I provided be carefully reviewed to prevent this issue from happening again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Subject : Dispute Regarding Account with Inaccuracies Request for Immediate Removal Dear XXXX XXXX XXXX XXXX XXXX am writing to formally dispute inaccuracies on my account [ Insert Account Number ] that appear on my credit report. This letter serves as my notice under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681e ( b ), which require the accuracy and integrity of information reported about consumers. 

Upon reviewing the information listed for this account, I have identified several inaccuracies that need immediate correction or removal : XXXX. Excessive Account Usage : My credit report indicates that I am using XXXX  % of my credit limit ( {$1300.00} balance against a {$1100.00} credit limit ), which is both unusual and inaccurate given the terms of the account. 
XXXX. Late Payments Status : The report reflects XXXX late payments for the months of XXXX and XX/XX/year>, which I believe to be inaccurate. My payment history should reflect a consistent record, free from these discrepancies. 
XXXX. Current Payment Status : The report lists my current payment status as XXXX Days Late with an amount past due of {$220.00}. I believe this status is inaccurate and misrepresents my payment activity. 
XXXX. Worst Payment Status : The report shows a Worst Payment Status of XXXX days late, which I believe is incorrect. 

These inaccuracies directly violate 15 U.S.C. 1681e ( b ), which mandates that furnishers ensure maximum possible accuracy when reporting consumer data. Furthermore, under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation upon notification of a dispute and correct or delete any erroneous information. 

I hereby request that you investigate the inaccuracies immediately. If the errors can not be verified, or if the account contains information that can not be proven accurate, the law requires you to remove the account entirely from my credit report. 

Failure to remove this inaccurate account will result in my seeking monetary damages as provided under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which provide for compensation for damages resulting from negligent or willful noncompliance. 

Please find attached supporting documents that verify the inaccuracies, including picture of highlighted inaccuracies. I request a response confirming your resolution of this matter within 30 days, as required by law. 

Thank you for your immediate attention to this matter. I trust you will treat this with the seriousness it deserves. I look forward to your prompt confirmation of account removal. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : XXXX. Supporting Documents XXXX. Copy of Credit Report Highlighting Inaccuracies
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. 
However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 
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 CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX U S DEPT OF EDXXXX : Account number : XXXX U S DEPT OF EDXXXX : Account number : XXXX U S DEPT OF XXXX : Account number : XXXX U S DEPT OF EDXXXX : Account number : XXXX U S DEPT OF EDXXXX : Account number : XXXX U S DEPT OF XXXX : Account number : XXXX U S DEPT OF EDXXXX : Account number : XXXX U S DEPT OF EDXXXX : Account number : XXXX U S DEPT OF XXXX : Account number : XXXX XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Checking or savings account

Our bank account was compromised on the first of XX/XX/year>. We went to our XXXX office on the XXXX of XXXX, after a call to the branch office hotline. The charges were made from the XXXX XXXX XXXX in the XXXX. We have never visited that country before, plus our debit cards were in our possession at all times. They would always tell me that they didnt find any fraudulent charges and the case was closed. If they had looked back on records for the past XXXX or XXXX  years they wouldve found no evidence of our ever having charges of that nature. The perpetrators even purchased an XXXX & XXXX. They made roaming calls on our mobile phone. How they got it I dont. Our phone was always with us. The roaming charges cost us twice our bill, however our mobile company adjusted the bill right away. They recognized that they were fraudulent. Why couldnt WF. They sent letters closing the account, and I sent them letters to reopen it. Finally they sent me a stack of papers that looked like a book, letting me know the details, but not how they arrived that conclusion. No merchants were contacted, and they had ample enough time to so.
Product: Debt collection

This complaint is being filed against XXXX XXXX & XXXX debt who represent the creditor XXXX XXXX XXXX XXXX XXXX. I was a cosigner for my ex-husband 's student loan for XXXX College and he also attended XXXX College. He went to XXXX College for approximately 3 months then dropped out. He graduated with his XXXX XXXX XXXX from XXXX in XX/XX/XXXX. The paper I cosigned on was for XXXX that I know of for sure was for XXXX. We are currently divorced and in the divorce decree I am indemnified of any student loan debt. However, I have to sell my house and come to find out there is a XXXX dollar lien put on my property in XX/XX/XXXX by XXXX XXXX & XXXX I never signed or had any contact with the company prior to finding out about this lien. In XX/XX/XXXX they garnished my wages for a total of XXXX which was a surprise to me when I received my paycheck. Then, I contacted a lawyer who tried to get in touch with XXXX XXXX & XXXX when contacted no relevant information was given from the firm, and we tried to settle with a certain amount but XXXX XXXX XXXX XXXX would not settle for anything other than the XXXX there was never a reply back from the lawyer ( XXXX XXXX ) hired or XXXX XXXX XXXX XXXX. I realize this is happening due to the loans being put in default, however my exhusband is currently paying all student loans from XXXX and XXXX College in accordance with Federal Student Aid ( FSAID.gov ). I have never received a statement after my wages were garnished and the amount of the loan has never gone down due to my garnished wages and my exhusband paying them as well. After I contacted my lawyer XXXX XXXX my garnishment ceased with no apparent reason. This is causing a major problem in the sale of my house can you please investigate this current situation due to me being left in the dark.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, I XXXX XXXX applied for a personal loan with Wells Fargo Bank. I received a denial letter from Wells Fargo Bank Personal Loan. 

According to federal law, my consumer rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello my name is XXXX XXXX XXXX I've reported to buearuse several times about addresses that are not mine on my credit to have removed they did not remove also there's soft inquiries on my credit that are incorrect and they have not removed also I told them I'm in a process with buying a house several times I've told them the charge offs that where settled between me and the collectors I've asked to have removed they told me show proof and they will removed not just I showed proof the collectors I settled the debts with told then I've settled my accounts and to have it removed not only the associates and manager 's refuse to remove off of my credit even though they told me they would if I showed proof when I did including false addresses as well on my credit I've Ben denied for a home because of this
Product: Debt collection

I received a random notice for the very first time from this company, and per Regulation F of the CFPB the required itemization that should be provided is not listed on the notice. There is no breakdown on the notice, nor is there the required information regarding disputing the debt. I demand a full cease and desist from this company - and as this is a clear violation of both Reg F, the FDCPA, and FCRA I demand the account be closed and returned to the original creditor.
Product: Debt collection

I went to the XXXX XXXX in XX/XX/2012, and there 's a {$920.00} balance that I needed to pay, but I did n't know I have that payment because I moved to a new apartment. So, I did n't receive the payment from the hospital. During these past two years, nobody contacted me about this, and I did n't receive any payment about this either. I received a phone call from revenue collect on XXXX XXXX, they said XXXX XXXX forwarded this payment to them, so I have to pay it. I paid it immediately after I understood everything, and I paid it through the phone using my credit card. Also, they sent me a document receipt after several days. Recently, I 'm trying to apply a credit card from XXXX, and they reject me because they declare that I have delinquency history, then I checked my credit report. I saw XXXX XXXX XXXX as a negative account on my credit report. I called XXXX collect to ask them to remove this negative account because I 've already paid it, and they said they no longer have this payment because they 've transferred this to another collect company, which is revenue collect. They told me that I should call XXXX to ask them to dispute my record. However, XXXX agency told me they can not mark this payment as paid because they have to get the prove from XXXX XXXX. After they get the prove, they will mark it as paid, so experian agency suggested me to call XXXX to ask them to send a prove to them to prove that I paid. Then, I called XXXX collect again, they told me since they no longer have this payment, and I paid to Revenue Collect, so they can not do anything about this. ThenI called XXXX again to ask them if I can call Revenue Collect, they said it 's not working because the negative account on my report is XXXX collect. I 'm frustrated now because I paid my payment, but the bad record still hurting my credit report. XXXX said they could n't help me, but the negative account on my credit report is still XXXX collect. I do n't know what should I do now.
Product: Debt collection

On XX/XX/2020, I called and spoke with a representative at AFNI to dispute the amount owed with XXXX which was two months of service. I have been a customer of XXXX/XXXX ( previous name ) for over 15 years and know firsthand that XXXX doesn't allow the customer to become two months behind in payment before disconnecting them. However, after another service failed to provide service at my address, I decided to pay the entire balance in the XXXX store since they are the only wifi/cable providers in my area. Additionally, I sent the receipt of the bill paid in full to AFNI but yet the collection remains on my account with the three credit bureaus.
Product: Credit reporting or other personal consumer reports

On my XXXX XXXX account number XXXX, I have maintained a flawless payment record, ensuring that I never missed a payment deadline on both XX/XX/XXXX and XX/XX/XXXX. To my astonishment, upon scrutinizing my XXXX credit report, I was taken aback to discover a glaring discrepancy indicating that I made a timely payment on XX/XX/XXXX but was late on XX/XX/XXXX. This misinformation was deeply concerning, as it directly conflicted with my meticulously kept payment history. Strangely enough, when cross-referencing the information with Equifax and XXXX, these credit bureaus reported that I was late on XX/XX/XXXX but punctual with my payment on XX/XX/XXXX, aligning accurately with my factual payment records. The inconsistency among the credit reporting agencies has sparked significant unease and apprehension regarding the accuracy and reliability of my credit report, potentially impacting my credit score and financial standing unjustly. In light of recent developments for credit consumers, a groundbreaking legislation has been passed that aims to revolutionize credit reporting standards, emphasizing greater precision, fairness, and transparency in the system. These new regulations herald an era of enhanced consumer protection, empowering individuals with stronger rights to dispute inaccuracies, demand corrections, and ensure the integrity of their credit information. In light of these changes, I unequivocally demand the immediate removal of the erroneous late payments from my credit report, as they are unequivocally false and unjustly tarnishing my credit history. It is imperative that the credit reporting agencies rectify this error promptly to uphold the integrity of the credit reporting system and safeguard my financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt Validation Notice I recently received a copy of my consumer report and while I was reviewing it, I noticed several things that have been documented incorrectly by all the different reporting agencies. 
In pursuant to 15 USC 1681 Accuracy and Fairness of Credit Reporting In pursuant to 15 USC 1681 b Permissible Purpose of Consumer report According to the law before any information is inserted on my consumer report, it should be accurate and fair. In pursuant to 15 USC 1681 b ( a ) 2, It states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. 

According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear. 

I am demanding that you reinvestigate this account immediately and provide me with the requested information within 30 days. I am also demanding that you provide me with an audit trail. I need the following included in the audit trail : The account file and original contract that has my signature on it Account Ledger from the open date through the last date of payment activity All accounting documents from the open date through the last date of payment activity All account transactional history from the open date through the last date of payment activity When was the last date of payment Please be sure to provide everything that I have requested above because based on my findings there are several inaccuracies being reported. Until you can provide me with sufficient proof, I am asking that you cease and desist all collection efforts such as communication by phone, email, postal mail, text message, social media. If this debt has been sold to a 3rd party collection agency, they must also cease and desist all collection efforts until sufficient proof has been provided. 

If you are not able to provide proof of the reinvestigation and all the information requested above, I am asking that these accounts be PERMANENTLY DELETED from my consumer report with all reporting agencies according to 15 USC 1681 i : Treatment of inaccuracies/ unverifiable information.