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

I have contacted Experian at least 6 times since my XXXX XXXX Bankruptcy to accurately report the information on my XXXX XXXX account. I have called, filed disputes, and sent letters and they are still reporting different information in different areas. On one spot of the report it says the account was over 90 days lateon another spot it says never late. On another spot it says nothing. One area still shows a balance when it should say {$0.00} since it is included in a BANKRUPTCY! At this point, if they can not fix this account, they just need to delete it. They have caused me so many issues with my background check in trying to get a federal job, and a new apartment due to this account reporting the wrong information even though it is included in my Bankruptcy and being taken care of. This is my last resort to have them either fix my credit report or take the account off because I have tried everything at this point. 




This second part is for XXXX which was sent through the mail : I have disputed this account several times, and contacted you all numerous times, and you all will not fix it. The next step is going to be a lawsuit if this is not taken care of. 

Fix the XXXX XXXX. Installment account, immediately. You all keep reporting inaccurate information which has caused me many issues regarding background checks while trying to get a new job among other things. 

In one area, it reports a first delinquent date of XX/XX/2020. In another area it says XXXX was 60 days late. It also says XX/XX/2020 was the last payment date but has XXXX selected as the last payment date. WHY IS NONE OF THIS ACCURATE??? Too many discrepancies. 

Either way, this account WAS NEVER 120 days past due. EVER. No other credit report has ever shown anything like this except you all and I dont know where you got the inaccurate information from but again, I will contact an attorney, and the XXXX  if it is not fixed after this letter.
Product: Debt collection

I am a natural person and consumer writing this statement from my own knowledge and research of the laws that protect consumers from fraud and other deceptive practices that harm a consumers character, and reputation. I.C. SYSTEM is reporting an alleged debt and they are tarnishing my reputation and harassing me. 

I have never authorized this company or anyone employed with this company to do business with me, make an inquiry or view or report to my credit. I asked this company to validate this alleged debt and None of the alleged debts have been validated nor represented by the original creditor. These alleged debts are 100 % fraudulent and need to be blocked and removed. 

According to the Fair Debt Collection Practice Act, I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there have been alleged debts from I.C. SYSTEM, INC without my permission; using my name and personal information by which to do so.

According to the Fair Debt Collection Practice Act section 15 USC 1692d I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt and the publishing of this false information has done all of such. I demand this fraudulent account be blocked and removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  # XXXX {$290.00} XX/XX/2019 THE FOLLOWING ACCOUNT IS REPORTING INACCURATE TO MY CREDIT REPORT
Product: Debt collection

On XX/XX/2018, this debt for { {$970.00} } account # XXXX appeared on my credit report from XXXX XXXX. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. I have disputed this collection five times with no resolution. I have also contacted the company and they don't have me listed for this account number. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.On XX/XX/2018, this debt for { {$970.00} } account # XXXX appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all 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 an account without written instruction.
Product: Credit reporting or other personal consumer reports

Bridgecrest XXXX Violations of Privacy and Opt-Out Rights [ 15 U.S. Code 6802 ] : I am asserting that Bridgecrest failed to conspicuously disclose , in writing or electronically, the disclosure of nonpublic personal information to nonaffiliated third parties or credit reporting agencies. Furthermore, I was denied the due process and opportunity to opt out, a violation of Section 6802 of the U.S. Code. Gramm-Leach-Bliley Act ( GLBA ) 15 USC 6802. - Obligations with respect to the disclosures of personal information. 15 USC 6802b - Opt out. A financial Institution may not disclose non-public personal information to a non-affiliated 3rd party, unless Under this law, the consumer must get 3 disclosures before that information can be exchanged, and the consumer must agree to it. Breakdown the unless portion- Disclosure A - Such financial institutions clearly and conspicuously disclose it to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this data that such information may be disclosed to such XXXX party. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) XXXX XXXX - XXXX consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such XXXX party. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Disclosure C - The consumer is given an explanation of how the consumer can exercise that non-disclosure option of how the consumer can exercise that non-disclosure option. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Bridgecrest is reporting on XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

**THIS ACCOUNT WAS NOT REMOVED FROM MY REPORT ALTHOUGH I HAVE A RECORDING FROM COLLECTION COMPANY THAT THE ACCOUNT NUMBER IN XXXX IS NOT AN ACCOUNT ASSOCIATED WITH ME. 

Disputed two credit entries on Equifax report on XX/XX/2020. First account listed as XXXX ( account # XXXX ) and second account listed as XXXX California XXXX ( account # XXXX ). Requested a deletion of the duplicate account. in my dispute. From my knowledge, I only had one account. Equifax confirmed that they verified and updated the accounts on XX/XX/2020. Both accounts remained on report. After calling the creditor and recording the conversation with the representative, it was found that only one account number was in fact associated with my name ( account # XXXX ). I requested a letter from the creditor on. XX/XX/2020 and XX/XX/2020 to confirm my correct account number and owed amount to send to bureaus and the letter request was refused. I contacted Equifax on XX/XX/2020 to state they did not validate or verify the debt because that account number ( # XXXX ) has never been associated with my name or my current account with the creditor. The representative said the creditor confirms the debt and they just update in their system. How can the. creditor state that I only have 1 account under my SSN and previous address but verify with Equifax all that I have another account number? The dispute stated duplicate account needed to be removed and the Equifax rep said they confirmed the owed amount with the creditor but not the account owner or account number. How can you confirm an amount owed without FIRST confirming the owner of the account to ensure it is reflected on the correct credit report.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. 
Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. 

It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this bankruptcy. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

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 and XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against MCM for their failure to properly verify a debt that they claim I owe. I have already requested verification of the debt in writing as per the Fair Debt Collection Practices Act, but MCM failed to provide me with the necessary documentation. 

I received a response from MCM, but the verification of the debt did not include a signed credit card agreement, which is required under the law to prove that the debt is valid and enforceable. Without a signed agreement, I have no way of knowing if this debt is legitimate. 

I have attempted to resolve this issue directly with Midland Credit Management ( XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX  ID : XXXX ), but they have not been willing to provide me with the requested documentation. I believe that their failure to properly verify the debt is a violation of my rights under the Fair Debt Collection Practices Act. 

Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Midland Credit Management complies with the law. I would also like to request that Midland Credit Management be held accountable for any violations of my rights as a consumer. 

Thank you for your attention to this matter. 

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

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating Federal Law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX days. 
See documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I, am the Author of this complaint. 

This has been sent to TRANSUNION, via USPS, and previously. It has not been corrected. 

Please provide a full, printed report to the current address of record when you are complete, and as expressed in federal law.. 

On Trans Union, there is erroneous information on my consumer reports- for : Address Phone Employer Current Address, is correct. 

All else is inaccurate and can not /does not apply to me.. Please delete it Phone - is incorrect and inaccurate, and can not /does not apply to me. 

Please delete all of it. 

Employers- is incorrect and inaccurate, and can not /does not apply to me. 
Please delete all of it. 

Maintaining complete, accurate, current and traceable Credit Reporting data is your responsibility. 

Its the right of the consumer, to ensure this occurs.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX 2. Experian 3. XXXX XXXX I 'm authorized XXXX XXXX is primary account I am an authorized user on these accounts or cards and you still have n't place them on my credit file. I would like for you to immediately place the accounts on my credit report please. The card user contacted you several times and authorized me on the cards for all 3 bureaus but you never performed the task by placing me on the accounts why is it taking long. 

XXXX and Experian accounts not reporting : 1. XXXX XXXX XXXX XXXX balance is {$2100.00} 2. XXXX XXXX opened XXXX/XXXX/XXXX {$3300.00} reports on the XXXX of the month good standing on all of my payments current last payment XXXX 1. XXXX XXXX accounts not reporting 1.  XXXX XXXX Opened XXXX/XXXX/XXXX {$3300.00} reports on the XXXX of the month good standing on all my payments current good standing. Last payment XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a complaint concerning the handling of my dispute related to the XXXX XXXX XXXX account reported on my credit report. Despite my efforts to resolve inaccuracies, the dispute results with Experian were unsatisfactory. 

Account Details : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Closed, {$470.00} written off Balance : {$0.00} ( Updated XX/XX/XXXX ) Terms : 11 Months Dispute Summary : I initiated a dispute to have the charge-off notation removed or updated to a more favorable status, as the balance was settled. However, the outcome did not reflect the accurate status of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts appearing on credit report. XXXX. XXXX XXXX {$940.00} XXXX. XXXX XXXX {$5000.00} XXXX. XXXX XXXX {$24000.00} XXXX. XXXX XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by your company.
Product: Debt collection

LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERVICES L.P
. IS ATTEMPTING TO COLLECT A DEBT 
I DO NOT HAVE NOR HAVE I EVER HAD AN ACCOUNT, CONTRACT ,OR LEGAL BINDING AGREEMENT NOR DO I OWE LVNV FUNDING $XXXX  
I HAVE NOT BEEN PROVIDED ANY INFORMATION IN WRITING FROM THIS COMPANY IN REFERENCE TO SUCH DEBT 
LVNV FUNDING IS TRYING TO COLLECT A DEBT THAT I ALREADY PAID TO XXXX  XXXX AS OF XXXX XXXX  & MOST RECENT REPORT TO THE CREDIT BUREAU ON XXXX XXXX XXXX XXXX XXXX HAS REPORTED A O BALANCE AND ALL PAYMENTS ARE CURRENT AND THE ACCT CHARGED OFF REMARKS CONSUMER DISPUTE RESOLUTION CHARGED OFF XXXX XXXX Balance PROVIDED THE ACCT WAS CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
LVNV FUNDING LLC.
CARE OF RESURGENT CAPITAL SERVICES L.P
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/XXXX XXXX XXXX I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I certify that XXXX and Experian has been notified through third-party CFPB of fraudulent accounts and alerts on report. XXXX and Experian was asked to validate the account information being reported by providing original certified copy of contractual agreement. XXXX has left remarks that are not accurate on my report, accounts discharged off show a charge-off status with negative remarks. XXXX  has also had my information breached 3-4 times past few years including compromised accounts. 
Can XXXX, or Experian provide certified original contract for XXXX XXXX? Can either agency provide certified contract agreements for the alleged accounts showing an obligation on my report?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX disputes regarding a collection and requests for validation of a debt were sent to XXXX  that included the following accounts : XXXX/XXXX  XXXX XXXX Acct : XXXX, XXXX. 
An inquiry from XXXX XXXX  on XX/XX/XXXX and names I have never gone by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Several follow up letters by certified letter, more than 10 phone calls and 3 direct uploads to their online disputes system and contact attempts were made well into XXXX of last year. A CFPB complaint was made XX/XX/XXXX about all erroneous reporting. All of the above accounts, inquiry and incorrect name information was removed from my credit file. Upon checking my credit file on XX/XX/XXXX, this information has been erroneously placed back on my credit report with out notice by XXXX, XXXX  and Equifax. In violation of the Fair credit reporting Act. 

In addition, Equifax, XXXX and Equifax continue to report XXXX   XXXX XXXX XXXX XXXX. After receiving information verifying the account had various errors in it's reporting. Another violation of the FCRA.
Product: Debt collection

Dear [ Collection Agency Name ], I am writing to formally dispute a debt that your company claims I owe to XXXX XXXX. According to your records, the amount of the debt is {$59.00}. 
As a responsible consumer, I am entitled to request validation of any debt being collected from me, as outlined in the Fair Debt Collection Practices Act. Therefore, I am formally requesting that you provide me with the following documents to validate this debt : 1. A copy of the original contract or agreement between myself and XXXX XXXX, showing that I am responsible for the debt. 
2. A complete payment history for the debt, including any payments that have been made, the dates they were made, and the method of payment.

3. Copies of any billing statements or invoices that show the charges being claimed as part of this debt.

4. Any other documentation that may be necessary to prove the validity of this debt.

I kindly request that you provide me with these documents within 30 days of receiving this letter. If you are unable to provide me with the requested documentation, I ask that you cease all collection activities and remove this debt from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards of the incorrect items on my credit report and it has been well over 30 days. And I have not received any investigation results.