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

To Whom It May Concern, I am submitting this complaint to formally request the Consumer Financial Protection Bureaus assistance in addressing severe inaccuracies and inconsistencies on my credit reports from XXXX, Experian, and XXXX. As a victim of identity theft, these errors are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but also cause ongoing financial and reputational harm. 
Background 1. Identity Theft and Unverified Accounts I am a victim of identity theft, as evidenced by my submission of an FTC Identity Theft Report. Following the XXXX data breach, I identified unauthorized accounts and transactions on my credit reports. These accounts were fraudulently opened and are not mine. Despite my timely disputes, these items remain inaccurately reported.

Pursuant to 15 U.S.C. 1681c-2 ( a ), I requested that fraudulent accounts be blocked from my credit reports. Under this section, credit reporting agencies are required to block information resulting from identity theft within four business days of receiving appropriate documentation. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that consumer reporting agencies must comply with the statutory requirements of the FCRA once a dispute is filed. The failure of the bureaus to comply with this obligation violates my rights under federal law.

2. Inconsistent and Inaccurate Reporting My credit reports contain discrepancies that violate the accuracy requirements under 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies must maintain reasonable procedures to ensure maximum possible acc
uracy of the information they report. For example : Certain accounts appear on one bureau but not others.

Account balances, statuses, and dates are inconsistent across reports. 
In XXXX XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that consumer reporting agencies could be held liable for failing to ensure the accuracy of reported information, particularly when such inaccuracies harm the consumer. These inconsistencies and errors violate my statutory rights and have directly impacted my creditworthiness. 

XXXX. Failure to Investigate Disputes I have disputed these inaccuracies multiple times, yet the credit reporting agencies have failed to conduct reasonable investigations as required under 15 U.S.C. 1681i ( a ). In XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), the court emphasized that a consumer reporting agencys investigation must be thorough and reasonable, particularly when the consumer provides evidence to dispute the validity of the information.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXX - XXXX - In accordance with the Fair Credit Reporting Act ( 15 U.S.C . 1681 ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

XXXX - XXXX - In accordance with the Fair Credit Reporting Act ( 15 U.S.C . 1681 ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

XXXX - XXXX - In accordance with the Fair Credit Reporting Act ( 15 U.S.C . 1681 ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions.
Product: Debt collection

The following accounts are : XXXX # XXXX XXXX XXXX and XXXX XXXX # XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681 i ( a ), you must complete this reinvestigation within 30 days of the receipt of this letter.
Product: Payday loan, title loan, or personal loan

I took out a {$500.00} loan from a lender online. To date, I have made payments of {$150.00} every two weeks. I have paid approximately {$750.00}, and the company says that all of my payments have gone to interest alone and that I still owe {$580.00} on a {$500.00} loan. They also have annotated in my account that my loan has been paid off every two weeks and that I have renewed my application for a new loan every two weeks as well. Each time, they charge me between $ 130- {$150.00} as a finance charge and says that I have a new loan in which the principal is {$10.00} less than the previous loan. My account actually has several loan numbers assigned ( XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ), but I only applied for one loan. It says my annual interest rate is 764.328 % and that I will pay finance charges upward of {$3700.00}. I called the company and told them that I believed they were breaking the law with the level of interest being charged, the restructuring of my loans as new applications, and in regard to the finance charges. I believe my payments have been incorrectly applied to the principal as well. The only information I was given was to check the website for the legal terms. I verbally withdrew my previous consent for automatic withdrawals from my checking account, which they said they would honor, but I have doubts. Right after I called and withdrew consent for withdrawals, my account status switched from " Active '' to " Collections '' but under the terms, my payment is not due untilXX/XX/2019, so that information is inaccurate. I can not be in collections without even missing a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has inaccurate information regarding a checking g account I use to have with BB & T 4 years ago. 
Ive talked to them and sent all the documents that show proof. XXXX   reported : suspected fraud activity on my old BB & T checking account which is completely false. 
This is consider SLANDER in America!! 
They need to take this inaccurate information off my credit report IMMEDIATELY! 
What can I do? 
Thanks
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX credit acceptance XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These hard inquiries are the results of identity theft and fraud.
Product: Debt collection

Wakefield and Associates has a previously written off Ambulance and Emergency room bill dating back to XX/XX/XXXX. When I no longer had medical insurance coverage. I was deemed XXXX shortly afterwards and received MEDICAID and XXXX.

Several companies are trying to collect on the two outstanding amounts. Even though both have been written off and my credit suffers because of this.

XX/XX/XXXX I was again contacted. Corrected again my address of five past years, not the address Wakefield had. But I have no reason to be anything but helpful. I spent over 30 minutes agreeing to 20 % of the total she was requesting. Break it down into 3 payments. Send me the invoice. Fax it. I even shared, I am having XXXX tomorrow ( true story )! And I dont want to leave things to my family to worry about. Several days after XXXX. I was contacted. Just like we never spoke. Old address still being referenced. I maybe poor at this juncture in my life. But I am not XXXX. I am recovering from XXXX. Looking at XXXX and XXXX. My problem. Yes. Wakefield and associates. No. I cant believe how people can get away with this game.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Re : Account # XXXX Subject : Final Request for Correction of Credit Information Before Formal Complaint Dear XXXX XXXX XXXX XXXX XXXX am writing to you once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account number Re : Account # XXXX Despite my previous letters dated [ XX/XX/XXXX ] and [ XX/XX/XXXX ], I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score. 

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report. Attached are copies of the previous correspondence and any additional documentation necessary for your investigation. 
Details of the affected payments are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX If the necessary corrections are not made within 15 days of receipt of this letter, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions necessary to protect my rights. 

I expect to receive written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXXXXXX  SSN : XXXX Cc : CFPB FTC States Attorney General
Product: Money transfer, virtual currency, or money service

I have been trying to invest my money through XXXX and my bank is not allowing me to link my account so I may do this. This is MY money i should be allowed to use my money how I please.
Product: Debt collection

Someone opened XXXX XXXX XXXX Uverse accounts using my personal information. The locations were not even in the state where I live.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re XXXX Credit Report Dispute Account Number : XXXX To Whom It XXXX Concern : Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, this letter serves as a formal dispute of inaccurate information contained within my credit report. 
I. DISPUTED ITEM ( XXXX ) Account Name : LVNV FUNDING LLC Account Number : XXXX Nature of Dispute : False information in accurate reporting XXXXXXXX XXXX XXXX Under Section 611 of the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into this matter within 30 calendar days of receipt of this dispute. As per 15 U.S.C. 1679c, you must verify the accuracy of the disputed information or remove it from my credit file. 
XXXX. XXXX XXXX XXXX. Investigate the accuracy of the disputed item ( XXXX ) XXXX. Remove or correct any information that can not be verified XXXX. Send written notice of the results of your investigation XXXX. Provide an updated copy of my credit report if changes are made XXXX. SUPPORTING DOCUMENTATION Enclosed please find the following documents supporting my dispute : V. REQUEST FOR NOTIFICATION As required by FCRA guidelines, please send notification of your investigation results to my address listed above. Additionally, if your investigation results in any changes to my credit report, please send a free updated copy of my credit report reflecting these changes. 
VI. RESERVATION OF RIGHTS I reserve all rights under the FCRA and other applicable state and federal laws. This dispute is not a waiver of any rights I XXXX have under these laws. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I checked my credit report on XXXX XXXX  and I had a total of 19 collection accounts & 4 hard inquiries removed from my report. I checked my account again on XX/XX/XXXX and I saw that all 19 collection accounts & 4 hard inquiries were placed back onto my credit without sending me a reinsertion letter as required by FCRA section 611. I have called XXXX several times since the incident to try to get this issue resolved but I have not received any help. Reps wo n't assist me nor will they transfer me to the fraud department telling me that they know what happened but they ca n't help me so basically it 's too bad & that I should file a complaint because they wo n't fix the issue. I have faxed proof that I was affected including screenshots of the removals/re-entries to XXXX but they continually say theyve not received anything from me. Since then I have successfully had the original creditors remove some of them from my credit file after theyve confirmed and validated the accounts as false. Also since then, XXXX has added a recording that can be heard when calling their toll free numbers ( XXXX ) XXXX & ( XXXX ) XXXX explaining and admitting to technical issues taking place on the dates between XX/XX/XXXXXX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX that affect account and inquiries being removed and added back on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address
Product: Debt collection

I communicated with XXXX from XX/XX/XXXX to solve the problem of their service. They were not able to solve the problem, I closed my account with them the morning of XX/XX/XXXX. Their billing cycle closed on XX/XX/XXXX. Attached is my log of the calls which I made to XXXX with their dates. I have taken these from my daily journal. Attached is a file of the details which I sent to the first collection agency XXXX assigned to collect. The first collection agency was sunrise credit services. See the attached pdf file XXXX. This also has the information that I had sent XXXX their equipment back to them. 
They had told me that XXXX  is charging for equipment not returned to them. I sent a second Fax with the receipt of XXXX equipment sent to them by XXXX ( as per XXXX request ). I also asked them to send the details of the {$210.00} bill, which I never received. I was told that since my account was closed they could not send me any details. I did not hear from sunrise credit service again. See XXXX for their info. XXXX was the letter sent by XXXX I did not receive any bills from them detailing the amount. See XXXX for their last bill sent to me and there is a credit since I paid them on XX/XX/XXXX for the amount I owed them. 
I was contacted by Diversified Consultants in XX/XX/XXXX. See XXXX. I told them that I contest the billing. I have not heard from them. They do not have a fax number on their letter. 
I do not think that it is fair to get multiple collection services after me and XXXX not giving me information on their last bill. If they are charging me for equipment then they have received their equipment. If they are charging me for closing their services, then they are wrong on two counts. 
1.My service was started as with no contract. 
2. They could not provide the services so I had to close their account and ask XXXX to install their equipment. They installed new modem which solved the problem which I was having with XXXX. 
I have XXXX XXXX XXXX and I do not appreciate XXXX hounding me with multiple credit services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two years ago I lost my wallet and received a new XXXX  XXXX card in the mail and instead of them sending me a new card with the same old account and balance they sent me a new card with a new account balance so in 12 months after Ive had the new card I paid my card off and so one for XXXX  XXXX say I have a unpaid balance that has been late for 11 months that I did not know about because they sent a new card with new balance upon resolving the situation with XXXX  XXXX and closing the accounts XXXX  XXXX says that they took the late payment off of my credit but trans Union and XXXX are still reporting wrong information on my credit report stating that I have 11 months of late payments with XXXX  XXXX witch are not true I spoke with XXXX  XXXX today XX/XX/2022 at XXXX am and they says there are no late payments on my credit and I am in good standing with them the wrong misreporting information From Trans Union and XXXX has been getting me denied Home loans and business loans from my bank and other Financial institution
Product: Credit reporting or other personal consumer reports

I have filed an updated, newly added facts, which in my original FTC report of identity theft and fraud led to none of the CRAs, as directed under XXXX, to block this XXXX XXXX XXXX  account from my credit immediately under XXXX, FTC, and CFPB directives. XXXX XXXX failed to disclose to the CRAs that in XXXX of 2022, I notified XXXX XXXX XXXX Internal Fraud Department of identity theft and fraudulent charges and activities occurring under my name as holder of the account by XXXX XXXX and XXXXXXXX XXXX XXXXXXXX. I left my wallet at the front desk, and when I returned, it was gone. A few days later, they stated it had been found. However, XXXX employees said they had copied all of my personal information along with XXXX other credit accounts. Within a week, I had fraudulent charges and made XXXX full reports with XXXX XXXX XXXX internal fraud department. My accounts listed under this FTC, CFPB identity theft and fraud reporting had grown dramatically, were constantly reported to XXXX XXXX investigators, and the hotel manager admitted to many of the fraudulent acts and transactions. This account should be deleted from my negative credit file, and by all CRAs immediately under FCRA.
Product: Credit card

In XXXX, I used Greensky to finance a purchase of windows for my home from XXXX XXXX. The amount finance was {$23000.00}, at 4.99 % interest over 120 months for a total interest amount of XXXX. Total amount to be repaid is {$29000.00}, making the monthly amount due XXXX as stated on the disclosure. I have made all payments on time for XXXX monthly and this amount includes XXXX XXXX XXXX. The payments began XX/XX/XXXX. I have went to my online account and see that an amount of approximately {$80.00} to {$90.00} has been added to my balance each month. There is no reason for these charges and they should not have been added to my account. They should be reversed and any additional interest charges removed from the account. 
The monthly statements show an interest amount, but I thought this represented the interest amount included in the payment of XXXX. But in looking at the old balance, minus payment, the new balance can only mean that this amount has been added back to the total. Greensky also does not want to address unless mailed in writing. Greensky only wants to correct for mistakes identified within the last 60 days only. 
I have emailed the company at XXXX to have this addressed as above. 
Thank you.