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

There is an account from XXXX XXXX debt collection agency reporting on my XXXX, XXXX, and Transunion credit reports. This information that is reported is inaccurate and against the contract that the original creditor signed. The original creditor XXXX XXXX XXXX made me sign a form to relieve me under any responsibilities on the lease being broken because I was just a property manager for a company that I worked for XXXX XXXX and the financial responsibility of the lease was on XXXX XXXX and XXXX XXXX. XXXX XXXX agreed and signed off on the responsibility to be on him and XXXX XXXX. I was only put on the lease to be able to hold a set of keys for them both since they were always out of town. The paperwork that I have attached legally says that XXXX XXXX 's name is removed from this lease so it should not be reporting on my credit reports with XXXX, XXXX, and Transunion. The credit bureaus keep ignoring my requests and have not formally validated the debt because I have sent this information off before. I demand that this collection agency stop its collection efforts for reporting unfair and inaccurate information. Also, my name is XXXX XXXX ( Proof of ID Attached ) This situation that this creditor did not tell the truth about has been an invasion of privacy and a defamation of character to furnish incorrect information without my permission. Especially when I am not responsible for this debt. I have not been able to rent a new home. Please delete it immediately so I do not have to ensure legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to reveal his legal obligation of the affair. Credit report act to conduct a reasonable re-investigation disputed information on my credit report. Leaving inaccurate and unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian alleging, systematic issues such as failing to forward consumer provided evidence to furnishers, excepting unreliable responses, and failing to adequately, notify consumers of dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed expert disputed items despite the evidence I have provided, Causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction, violates federal law and my right as a consumer.
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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 or other personal consumer reports

i have identified information on my report that are a result of identity theft these accounts do not belong to me ( XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing issue with a charge-off account on my credit report. Despite my initial dispute, this account remains, and I am making a second attempt to have it removed as it is negatively impacting my financial standing. 

I previously contacted your organization to dispute the inclusion of the charge-off account on my credit report. This account is not an accurate reflection of my financial history and has led to significant difficulties in obtaining loans, securing favorable interest rates, and reaching my financial goals. 

I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau regarding the charge-off account. 
Any evidence supporting my claim that this account should not be on my credit report, including payment records or any relevant documentation. 
Despite my initial efforts, the charge-off account continues to negatively affect my credit report. I am deeply concerned that this inaccuracy may further hinder my ability to secure housing, employment, or access credit services, and it poses a significant threat to my financial well-being. 

I am formally requesting a thorough reinvestigation into this matter. I urge you to take prompt action to remove the charge-off account from my credit report and ensure that my credit history accurately represents my financial responsibility. 

Furthermore, please provide written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which require a response within 30 days of a dispute. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to explore the legal remedies available to me under the FCRA and other applicable laws. I am asking for your assistance to remove these charge off accounts : XXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$8700.00}.
Product: Debt collection

Discover has been harassing me about owing on an alleged debt. I have contacted them several times about this including 6 phone calls, and a written debt verification letter. I also have sent a request to dispute through XXXX. 

The alleged loan does not identify me. This violates the ECOA for discrimination based on age. 

Discover sent a letter dated XX/XX/2022 and an email dated XX/XX/2022. The letters are in violation of the ECOA based on familial status, source of income, and several violations of the FDCPA Both letters are attached. They both threaten me in violation of the FDCPA. 

" Your full balance will be due immediately. 

Your account will be reported as a bad debt to the credit reporting agencies. 

Charge off status may remain on your credit report for up to 7 years. 

We will refer your account to a collection attorney to continue collection efforts on our behalf including the possibility of filing a lawsuit against you.. lawsuit against you.. ''
Product: Credit card

I am writing to formally file a complaint regarding an issue with XXXX XXXX and Synchrony Bank concerning the financing terms of my purchase and the improper application of interest charges to my account. 

On XX/XX/XXXX, I visited XXXX XXXX and financed a sectional, chaise, and two chairs through Synchrony Bank under a 36-month promotional financing plan. The contract I was presented and signed clearly stated that I would not be charged interest ( 29.99 % APR ) as long as the balance was paid within the 36-month period.

I made my monthly payments as agreed, expecting my balance to be {$900.00} in XX/XX/XXXX. However, I was shocked to discover that interest had been added to my account in XX/XX/XXXX, drastically increasing my balance to $ XXXX nearly {$1300.00} in interest. 

Upon realizing this discrepancy, I immediately reached out to Synchrony Bank via chat and phone support, only to receive conflicting information. I was informed that a dispute was placed and that it would take up to 60 days for review. However, despite following up multiple times, I was never given a clear resolution. During this period, I missed a payment, resulting in my account being 30 days past due. Subsequently, Synchrony Bank closed my account, which negatively impacted my credit score. 

When I contacted Synchrony Bank again in XX/XX/XXXX, I learned that no dispute had ever been opened in XX/XX/XXXX, despite my numerous attempts and submission of supporting documents. On XX/XX/XXXX, I filed another dispute, providing both the digital and printed contract proving that interest was not to be charged until the 36-month period ended. Today, I checked the status and found that Synchrony Bank had closed my dispute without resolution. 

At this point, all I am requesting is for the improperly charged interest to be removed and for all my prior payments to be applied toward my original remaining balance of {$900.00} before the incorrect interest was added. While I accept that my account has been closed, I want this matter resolved fairly, as I will never do business with this company again. 

I sincerely hope that we can reach a fair resolution. This is my final attempt to resolve this issue before seeking further action. I appreciate your time and assistance.
Product: Credit reporting or other personal consumer reports

Dated back to XX/XX/2024. I had the account closed in XXXX and in XXXX I asked to be placed in a credit counseling program to pay off the debt so I would not be charged for any fees. But I continually got charged late fees and XXXX days late on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting XXXX accounts for student loans twice. I called and spoke with XXXX today at XXXX XXXX. XXXX was able to identify me and got access to my account with a one-time access code XXXX before ending the call. As I spoke with the rep she placed me on hold after I mentioned that what they were doing was against the law she hung up the call to a survey in which I completed. I called immediately back and spoke with XXXX who I asked to be transferred to a supervisor. I was then transferred to XXXX ID # XXXX per the last supervisor of my calls today. XXXX refused to give me an identifier for documentation purposes. I spoke with XXXX at XXXX XXXX and he stated that I was not able to be authenticated and he could not proceed. I asked how was that possible if XXXX was just in my account before she terminated the call? He got frustrated and requested that I send in information and I refused as it was just validated. I requested to speak with his superior which happened to be his teammate that he was Instant messaging while I was on the call before the transfer. I was then transferred to XXXX ID # XXXX  ( which I believe are all fake identifiers ) who then repeated word for word what XXXX told me and tried to avoid assisting with the information I was calling about. He was in consistent contact via XXXX with XXXX unwilling to assist as I hear the typing on the call. I just like to have all the accounts removed for inaccurate reporting as by law they are to report accurately and they fail to do so. I have sent verifying information on a few occasions. As I am protected by consumer law it is my right to request this removal as they have failed to validate information nor send requested information regarding this information. I did also mention the recording of the call on my end as well for validation purposes.
Product: Vehicle loan or lease

In XXXX I purchased a certified used XXXX XXXX XXXX from Kia in XXXX, XXXX  for {$15000.00} under my maiden name. My car was financed through Kia Motors Finance at the time. 

In XXXX I paid the remaining {$12000.00} balance from my joint XXXX account with my husband under my married name through a payment request from our account to Kia Motor Finance. 

At the end of XXXX we got military orders to move to XXXX I then inquired about my title and was told it was sent to a random address of which has never been on my account and was not ever verified before sending the title. 

I then requested multiple times for the title or lien release to be sent to me of which it got denied each time because Kia Finance stated that I was not the one that paid the loan off. However, I explained very clearly the situation and was still denied my lien release. I then reached out to someone from Kia Finance Corporate who was able to assist me in getting my lien release. At this time I also emailed in a copy of the check and proof that I paid off the vehicle. I received the lien release the day the military needed to ship my vehicle. 

Upon being in XXXX, my registration expired. I attempted to get it renewed, however. The XXXX  DMV said I was unable to get the registration renewed with the lien release due to it still being in Kia Motor Finance 's name and because I purchased the vehicle in XXXX Following this encounter, I reached out to Kia Motor Finance customer service again to request a duplicate title to be sent to me. I was told that it would be sent out as soon as possible. I also spoke to the XXXX  DMV who verified that Kia Finance was in fact the one who needed to request the duplicate title. A couple weeks later I called and was told that my request was once again denied to which I was never told was the case. I then spoke to escalations who gave me another email to resend the documents. I sent the documents and was again told the title would be sent and it would be received within 10 business days. Upon checking on the status of the title following the 10 business days, the title had still not been sent out. As of XX/XX/XXXX I was told once again the title request has been submitted but have not received any proof that this is the case. I have also spoken to a military lawyer who has submitted a written request. 

Due to my registration being expired since XXXX, we have had to get a new secondary vehicle because I am unable to legally drive my vehicle or sell it if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently checked my credit and noticed multiple accounts that I have never seen before. None of these accounts are recognizable nor did I ever authorize them to extend me credit. I believe someone used my identity to obtain credit and now my credit is suffering tremendously because of it.
Product: Debt collection

Enhanced Recovery Company a collection agency is attempting to collect on an alleged debt owed to XXXX a cable company. I had contacted XXXX disputing this alleged debt in which they did not put my account on vacation status which I had informed them to do. The XXXX representative stated they would adjust my bill. I am still a XXXX customer. I received no communication that XXXX was referring my account to a collections agency. After reviewing my credit report is when I noticed that Enhanced Recovery Company was reporting this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting my Account inaccurately at first I mailed them to prove their must have been something wrong because I do not ever remember having any collections on my account then when they responded back to me I looked further ino the account and notice it had some issues in its reporting Collection should be coded under " OTHER '' or " O '' not as either a INSTALLMENT ( " I '' ) nor as a REVOLVING ( " R '' ) account. 

The ARGUMENT I CONTEND is that this MISAPPLICATION of proper TYPING creates a DECEPTIVE REPORTING DEROGATORY and in effect MIS-REPRESENTS the consumer 's TRUE CREDIT UTILIZATION RATE! 

See, for a " O '' mark, the AMOUNT of debt would NOT MATTER as a $ XXXXdebt would be EQUAL the negativity weight as a $ XXXXdebt ( given ALL OTHER aspects similarly reported that is such as age ). However, misappropriating a CHARGE-OFF under the " R '' type for REVOLVING as opposed to " O '' for OTHER as it should be allows for the AMOUNT of the debt to matter DRASTICALLY where a $ XXXXdebt would have near zero effect on the consumer 's CREDIT UTILIZATION RATE whereas a XXXX DOLLAR DEBT would SIGNIFICANTLY XXXX that client 's CREDIT UTILIZATION RATE there also SUBSTANTIALLY and NEGATIVELY more effecting the DEPTH OF THE DEROGATORINESSES of the reported claim ( s ). 

Also this Account his inconsistent Dates of last payment and last activity which makes it very hard to consider verifiable or accurate FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the XXXX Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ). 

U.S. Code1692e.False or misleading representations 8 )  Communicating or threatening to communicate toany personcreditinformation which is known or which should be known to be false, including the failure to communicate that a disputeddebtis disputed. 




This Account has been disputed multiple times all i have received is itemized letters which do not satisfy the explanation of the debt according to the FDCPA and the FCRA, I have received no explanations for the balance and past due balance still reporting on a charge off or different DOLA and as I XXXX information on this issue with the company I can clearly see I am not alone various consumers suffer this same issue which will eventually lead to a consumer lawsuit.
Product: Credit reporting or other personal consumer reports

In accordance to act, this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC 1666B a creditor may not treat a payment on account under an open and consumer credit plan as late for any purpose. 

Delete late payments for Ally Financial LLC Account # XXXX for XXXX, XXXXXXXX XXXX XXXX XXXX  XX/XX/year> from my consumer report, this agency violates 15 USC s1681. Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1.00} per violation for 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXXne of several times I've discovered that my credit report had inaccurate information. 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. The following false information on my credit report has to be investigated, amended, or completely removed : 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