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

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information Dear Sir/Madam , I am writing to dispute inaccurate information listed on my credit report provided by Equifax. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX XXXX # XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Based on the provided image of the credit report for the XXXX  XXXX account across XXXX XXXX XXXX, and Equifax , here are the key details to compare and potential inaccuracies to consider disputing : Date Opened : Equifax XXXX XX/XX/XXXX. Matches Experian but not XXXX. 
High Credit : Equifax : {$5300.00}. Different from both XXXX {$6700.00} and XXXX {$0.00}. 
Credit Limit : Equifax : {$0.00}. Matches XXXX, but not XXXX {$4700.00}. 
Last Reported : Equifax : XX/XX/XXXX Different from XXXX and XXXX, both of which report XX/XX/XXXX. 
Comments : Equifax : Charged off account. Accounts closed by credit grantor. Different resolution description compared to XXXX Charged off as bad debt. Dispute resolved ; reported by grantor. and XXXX Account was in dispute- now resolved - reported by subscriber. 
Date Last Active : Equifax : XX/XX/XXXX. Much earlier than XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 
Date of Last Payment : Equifax : XX/XX/XXXX. Earlier than both XXXX and XXXX, which report XX/XX/XXXX. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including documents/evidence supporting the claim, such as billing statements, payment records, or correspondence with creditors.

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report. 

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

I am also including a copy of my dispute to the organizations below. 

CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Attorney Generals Office CC : State Senate CC : Federal Trade Commission CC : State Regulatory Agency Thanks For your Cooperation. 

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

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 card or prepaid card

After recently reviewing my credit report, I took notice that the above-mentioned account is currently in Charge Off status. I sincerely would like to take care of this account as soon as possible. 
Due to illness, Iunfortunately got behind on my payments and was unable to meet my obligations. However, since then my situation has greatly improved and I am in the position to recompense this debt. 

I am willing to pay BLOOMINGDALES ( {$2100.00} ) provided that the above account is updated on all credit reporting agencies to state : PAID AS AGREED, or completely removed from all credit reporting agencies upon my final payment. 

I am not agreeing to an updated credit report that states this account as : PAID CHARGE OFF or the like, as this will not significantly increase my credit score, nor will it reflect my sincere willingness to restore my good name and hopefully, someday, again do business with your company. 

Your written response will serve as an agreement to my proposal and I will pay. Thank you very much for your valued time.
Product: Debt collection

I rented from XXXX, a month before the completion of the lease i was unable to pay due to bad wether preventing me from working, ( we were XXXX in ). I paid my eveiction through the court. XXXX charged, e after the monies were paid.. hunter warfield is refusing to make any of the proper reportings so that my credit score reflects my current ability to pay. I paid the eviction in XX/XX/XXXX. hunter warfield reported XX/XX/XXXX after it iwas already satisfied in XX/XX/XXXX. the worst of it all is outragous claims of debt for a n apartment that only clothes on he floor when i left no bugs no food just clothes. they charged me for carpet. builder grade carpet is XXXX installed. the carpet was 4 years old already becuase they told me the previous customer was there for 2 years and the carpert was not new. i was there 2 years leaving one year before tn law would require them to pay for new carpet my portions of the payment for carpet should be less 75 % total cost of carpet. should be around XXXX another issue that needs to be address is the unprofessionalism with which this was handled. I reached out to huner warfield on several occassion being tossed around from person to person. I finally spoke to some one who attitude was very unruly. very disrespectul and without regard for my desire to move on.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following account that have breached these legal provisions : ACCOUNT NAME AND NUMBER : XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. I request that the following actions be taken immediately : Investigation of the mentioned violations. Removal of the unauthorized accounts from my credit report. Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ). Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ). Notification of the correction to any person who has received my credit report in the past XXXX months. I expect a written response within the next XXXX days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Product: Checking or savings account

Hi. 
Chase placed a hold on a check that I tried to deposit. They are saying they cant verify the phone number for the other payee. we have contact XXXX XXXX XXXX to get them to confirm that it was the correct name on the account. XXXX XXXX XXXX confirmed that there is nothing else to be done on their end. HOwever Chase bank is still saying they cant verify phone number on their database. More so, they wont allow any other way to verify funds. Even after I suggested going into the bank with my ID, Chase said No. 

Lastly Chase wont even release my other funds thst they have verified
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

In late XXXX of XXXX, I applied for a mortgage home loan and they notified me off an outstanding balance that was affecting my credit score. After they sent me this information I went on XXXX and disputed this debt collection. I contacted the debt collection agency and asked them to send me what they had in this debt and also explained to them a judgment by a XXXX XXXX XXXX XXXX in this case that ultimately concluded that they were attempting to collect the wrong amount. They asked me to send them the judgment paperwork. I obliged as well as they sent me the information I requested. I called the debt collectors firm and spoke to the firm and was asked to send then the judgment as well. I obliged. They them stated they would be contacting me back after their superiors looked at the facts and decided what was going to happen. To date they have not contacted me back and when I contact them I get the forms debt collector 's voicemail where I always leave a voicemail for him to contact me back. To date, the forms representative, XXXX XXXX XXXX, has not contacted me back. The facts of this matter are that XXXX XXXX, previously XXXX XXXX XXXX, filed a lawsuit for unpaid rent against me and the case was heard, evidence was presented and the Judge 's ruling was I only had to pay their court costs of {$220.00}. This occurred in XXXX of XXXX. They are saying I owe them over {$5000.00} dollars for unpaid rent. I contacted the XXXX XXXX XXXX XXXX court clerk and they sent me the judgment papers and I forwarded them to everyone involved ; including the property manager of this apartment complex. To date it is still in 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 # XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX if a XXXX is still reporting inaccurately as a delinquent account or derogatory account with TransUnion it has not been deleted nor updated as a as the other two credit reporting bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX  XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ),
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report. 

I submitted a Complaint ( XXXX ), for Improper use of your report, account came back as verified by TRANSUNION. 
Account : XXXX XXXX XXXX Account # XXXX. 

The Credit bureaus stated my account had been properly investigated but how is this possible if the " date opened '', " date reported '', and " date of last activity '' is inaccurate. This ground for removal and they also violate my rights under 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 instruction.
Product: Credit reporting or other personal consumer reports

I have reported being a victim of identity theft. You are obligated to remove any items opened without my knowledge, consent, or authorization within four business days after receiving the following : ( 1 ) valid proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) a detailed identification of the fraudulent information, and ( 4 ) a statement from me affirming that the information does not pertain to any transaction I authorized or conducted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Per the attached screenshot : No Account can possibly be listed as XXXX for Seven Consecutive Months, specifically the months of XX/XX/XXXX through XX/XX/XXXX ONLY on My XXXX Report. 
TransUnion Report has NO Legend Indication When the Date of Last Activity for TransUnion is XX/XX/XXXX And Date of Last Activity for XXXX is XX/XX/XXXX This Alleged Debt listed as A Charge Off for XXXX credit card account with a Balance of {$950.00} on BOTH TransUnion and XXXX. 
As We All Know, that's Not Possible and Considered Double Jeopardy. 

Neither TransUnion or XXXX Reports Include Any Accuracy for this Account. 
Both TransUnion and XXXX have Made Errors to My Consumer Reports that are Extremely Harmful to My Character, Creditworthiness and Ability to obtain further Credit. 
Was this Account Closed Due to Inactivity or Was it Charged Off as A Bad Debt or Was It Canceled by XXXX XXXX XXXX or Was it Reported as A Loss by the Credit Grantor? 
Because all those Comnents are listed and All those Comments are not True and Accurate. 
Both TransUnion and XXXX are Violating Consumer Laws with the Laundry list of Errors and Misrepresented Line items on this account.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX - XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( 3 ) personal credit card accounts opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number ( XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number ( XXXX ). An auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), Personal loan accounts opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX opened XXXX XXXXXXXX XXXX XXXX under the account number ( XXXX ) and ( XXXX ) collection accounts opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of ( {$1200.00} ) that appears related to an account opened at XXXX XXXX and XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of ( {$1100.00} ) appears related to XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of ( 2 ) FTC Identity Theft Criminal Complaint # ( XXXX ) & # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Already have another complaint active with them about communications. They are delaying their " investigation '' and calling an average of XXXX times a day. This is harassment, and it will end. If this gets yet another automated/scripted response I will look into legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 I completed a lease on a XXXX vehicle for the full term of the lease of 36 months. Each payment was made on time and the lease was reported in XXXX of 2018 with no balance and paid as agreed. I received a bill in XXXX of 2018 for XXXX which was money owed on the car for excess mileage, and lease disposal fee. In XXXX of 2018 XXXX XXXX reports the lease with a balance of XXXX and pays as agreed. Then on XX/XX/2018 XXXX reports the lease as 31-60 days late. How can this go from XXXX to XXXX is paid on XX/XX/XXXX, and then is reported on XX/XX/XXXX as 31-60 days late. Also I have had leases in the past with XXXX and the reporting of the lease has always been for the payment terms, not the end of lease charges. The end of lease charges have been paid as the document attached shows. This is not fair to a good customer who has always made their payments on the lease on time. 
This is not correct the terms of the lease for 36 months were paid on time. I paid the XXXX on XX/XX/2018. I check my credit bureau on XX/XX/XXXX to show the reporting on this account with XXXX is now showing pays 31-60 days late with a balance of XXXX. This is not correct the account should show paid as agreed with a XXXX  balance. I have always paid this account on time with the payments over the 36 month term. An end of lease charge should not be rated, and the balance has been paid. 
I appreciate your help in getting this credit bureau reporting corrected to show the account as paid in full, and pays as agreed.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and they tried to open a credit card in my name and my credit score has dropped significantly I would like it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applying for a mortgage and checking rates. Credit score has dropped 100 points in one week. Do not know reason, Nine hard inquiries multiple less than the 14 days between rate inquiries.XX/XX/XXXX XXXX inquiry, did not ask for them to do anything. Please remove inquiryXX/XX/XXXX Inquiry reported from XXXX XXXX XXXX and inquiry was 3 months earlier. How can they report late ( upset because we did not use them ). XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX hard inquiries too close to count as separate inquiry. XX/XX/XXXXand XX/XX/XXXX XXXX XXXX pulled credit for same mortgage company. Please remove. By my calculations I should only have 3 hard inquiries for mortgage inquiry rates. I do not understand how this is detrimental to my credit just because I want to check mortgage rates.XXXX XXXX XXXX hard inquiry, I called them to check USDA rates and they pulled my credit without knowledge. Please remove. When called XXXX the representative said I could not have them removed and when asked to speak to supervisor she said she did not have one and no one would return my call. Rotten customer service.
Product: Debt collection

I had a home burglary in 2017 which resulted in identity theft and lost credit cards. Although I submitted a police report to my credit card company XXXX, they still did not try to work on my behalf. Instead, they claimed the fraudulent charges as " bad debt '' and kept selling my account to multiple collection companies. One company dropped the account, XXXX sold it to the next. Now is LVNV funding under the name of Resurgent capital services. Everytime I tried to work with Resurgent or filed a complaint against them, they promised they would respond to me but then all they did was to mail a letter to me stating I should work with XXXX regarding the debt. They are the current owner of the debt, why kept running away instead of dealing with it? Had I wanted to be in debt, I would have incurred a larger debt instead of just {$2400.00}, dont you think?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act conversion the accounts listed violated my rights, XXXX XXXX ( # XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( # XXXX ) XXXX & XXXX ( # XXXX ) XXXX XXXX XXXX XXXX  ( # XXXX ) 15 U.S.C 1681 Section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 A Section ( 2 ) states a consumer reporting agency can not furnish account without written instruction 15 U.S.C 1681 Section 623 Section ( 2 ) states a person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act : 15 U.S.C. 1681 Section 604 A Section 2 Equifax does not have my written permission to report the incomplete, inaccurate bankruptcy that they are reporting in my file. 

Equifax has falsely claimed that they received the information from XXXX. XXXX has verified they DO NOT have the bankruptcy Equifax is claiming they received from them. 

XXXX has verified that if there were a bankruptcy in my file it would be listed in the TABLE OF CONTENTS section of my XXXX report. There is not a bankruptcy listed in the Table of Contents section of my XXXX report. 

Equifax continuously reports they took steps to verify inaccurate, incomplete information but when I verify the steps with the furnisher of the information, the furnisher says they don't have the information Equifax claimed was verified with them. 

Equifax needs to be held legally accountable for their fraudulent business practices.