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

Account was open XX/XX/XXXX and closed XX/XX/XXXX in good standing. This account should be pass it's 7 years of reporting on my credit report and still shows up. The balance was paid in full with no missed payments or late.
Product: Debt collection

Reviewing my credit report i found this negative remark. This is not my debt owed and need this removed
Product: Debt collection

MY NAME IS XXXX XXXX PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. THE COMPANY, CONVERGENT OUTSOURCING, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. Whereas I believe them to be a debt buyer, Convergent outsourcing, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice, it is a fact, affiant is the consumer, in fact and I, the affiant am legally refusing to pay this debt. I am demanding a cease and desist of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this and any alleged debts until you can provide me with the requested information in the affidavit herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days and nothing was changed when clearly there are misleading incorrect information and inaccuracies on my XXXX XXXX  credit report.. attached is the evidence clearly supporting that!! Only a XXXX person won't see it!! STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!
Product: Credit card or prepaid card

I've Expressed That I Am Unable To Pay Outstanding Debts With Said Creditors Due To Existing Health Conditions/ Issues And Financial Hardships Due To A Fixed Income Along With The Global Pandemic Of Covid-19. I Have Asked The Company If They Would Be As So Kind As To Forgive The Debt And File A XXXX And I Have Yet To Hear Back From The Company About Working With Me Regarding The Debt In Any Capacity. I Would Like To Make A XXXX XXXX XXXX Synchrony Bank For Not Being Willing To Work With Me Regarding Debt Owed.
Product: Credit card or prepaid card

XXXX items on credit card statement from XXXX, XXXX, XXXX, XXXX, all disputed. XXXX XXXX shipping department is so non-functional I NEVER RECEIEVED ANY MERCHANDISE! I complained to no avail and the charges are still on my credit card almost 2 months later. In the meantime the thieves at Truist Bank have double-dipped on a payment of XXXX. I have the inestimable pleasure of paying for items TWICE. Their employees are a stone wall of idiocy, and they KNOW no goods have never been delivered, and yet they refuse to take the charges off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided all three credit bureaus information regarding XXXX XXXX which included conflict of the original balance being reported to the credit bureaus and me I provided documentation to support the dispute as I have always done. on XXXX XXXX,2017 XXXX sent me an email stating XXXX XXXX was being removed from my credit. based on XXXX providing me documentation through my credit report stating the original loan balance was different from what the loan statement was. As of today, with all the documentation provided, Equifax continue to have this account as if it was dismissed in a bankruptcy. This account was never in bankruptcy. I have not received word on XXXX in which provided me documentation of that they have raised my credit score.
I believe I am one of those who had been hacked because my credit score was higher before the information was leaked now it is really low. the lowest
Product: Debt collection

It is not only irritating but deeply troubling that such a fundamental aspect of my financial history has been misreported, potentially affecting my ability to secure favorable terms for future financial transactions. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The sheer number of inaccuracies is not only irritating but also unacceptable, as it has a severe and unwarranted impact on my creditworthiness. 
XXXX XXXX XXXX XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
A comprehensive review of the procedures in place to ensure the accuracy of credit reporting to prevent such errors in the future. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I expect your bureau to adhere to the highest standards of accuracy and diligence. The continued presence of these inaccuracies is not only an inconvenience but also a violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against your company, regarding their continued reporting of inaccurate information on my credit report. Despite successful removal of these items by two other major credit reporting agencies, Experian which claims that the information has been verified, which I believe is not possible given the circumstances. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information on their report. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

In my case, two other credit reporting agencies have removed the disputed items, indicating that they could not verify or validate the information. This raises significant concerns about Experian compliance with these legal requirements.

Moreover, the Federal Trade Commission ( FTC ) has established guidelines that highlight the necessity for credit reporting agencies to remove unverifiable information. Furthermore, I am disputing late payment entries on two accounts that I believe to be inaccurate. 
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 XXXXXX/XX/XXXX with a balance of {$390.00} As per 15 U.S.C. 1681s-2 ( a ), furnishers of information to credit reporting agencies are obligated to provide accurate information and correct or delete any inaccuracies. Regarding the late payment reporting, it's important to know that under the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666c, if there is a billing error dispute in process, a creditor can not report late payments related to the disputed amount until the issue is resolved. Given that the other two credit reporting agencies have corrected this error, its puzzling and concerning that this particular agency hasn't followed suit. 

I respectfully request that the CFPB investigate this matter and ensure that Experian complies with the FCRA by removing the unverifiable and inaccurate items from my credit report. This issue is causing undue harm to my creditworthiness, and I seek your assistance in resolving it promptly. I have included the FTC report which has all companies that they still have not removed off of my credit report.
Product: Debt collection

Spoke with the supervisor. She spoke down to me, disrespected me, and raised her voice to me. All i had asked was to negotiate a settlement on a debt and she went off. " Why do you think we have to settle you? Do we owe YOU money? No. You must pay bills in full. " She has trained all her staff to treat people the same degrading way. It is a disgusting company. 
I will not do ANY business with company. I will not be the one putting food in that pigs mouth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Just needed to update my credit file for removing unverified accounts that I do no recognize.I have been going over my credit report trying to refinance my home. I noticed accounts that I have never done business with and I do not have a contract for business with. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX .
Product: Credit reporting

I DISPUTED ACCOUNT ON MY EQUAFAX CREDIT REPORT AND RECENTLY THE ACCOUNT WAS DELETED OFF OF MY CREDIT REPORT. GRANITE STATE MANAGEMENT WAS A CLOSE STUDENT LOAN ON MY CREDIT REPORT AND IT WAS A PAY AS AGREE ACCOUNT ON MY CREDIT FILE. THE REASON WHY I DISPUTED THIS CLOSE ACCOUNT IS IT WAS REPORTING A WRONG DATE FOR DATE OF LAST ACTIVITY ON THIS ACCOUNT. IT WAS REPORTING XXXX XX/XX/XXXX DATE ON THIS FILE. I MADE MY LAST PAYMENT ON THIS ACCOUNT IN XX/XX/XXXX WHEN IT WAS TRANSFER TO ANOTHER OFFICE. THE DATE OF LAST ACTIVITY NEEDED TO BE UPDATED TO SHOW THAT THE LAST ACTIVITY DONE ON THIS ACCONT WAS IN XX/XX/XXXX NOT XXXX. THIS ACCOUNT WAS CURRENT TILL IT WAS CLOSE BUT ACCORDING TO MY CREDIT REPORT IT SHOWS LAST ACTIVITY WAS XX/XX/XXXX. SO I CALLED GRANITE STATE AND THEY SENT ME A PAYMENT HISTORY OUT ON THE ACCOUNT AND I SENT THEM A FAX OF THE ISSUE WITH THE ACCOUNT. A WEEK LATER THE ACCOUNT WAS DELETE OFF OF MY FILE BUT GRANITE STATE SAID THEY SENT UPDATE TO EQUAFAX TO GET THIS ACCOUNT UPDATED / EQUAFAX SAYS GRANITE STATE REQUESTED TO HAVE THE ACCOUNT REMOVED. GRANITE STATE SAYS THEY DIDNT ASK TO REMOVED THE ACCOUNT,. THEY ASK ABOUT DOING A CONFERENCE CALL WITH EQUAFAX AND EQUFAX SAYS THEY DONT DO CONFERENCE CALLS. THIS ACCOUNT NEEDED TO BE UPDATED AND I ASK IF EQUFAX SENT ANY INFORMATION REGARDING THIS ACCOUNT TO THEM AND THEY SAY THEY HAVENT RECEIVE ANY DOCUMENT. I WANT THIS ACCOUNT PUT BACK ON MY CREDIT FILE. THIS ACCOUNT IS A CLOSE INSTALLMENT LOAN CLOSE IN XX/XX/XXXX AND IT NO DUE TO COME OFF TILL XX/XX/XXXX. I HAVE DOCUMENTS TO SUPPORT MY CLAIM. ON A EARLIER CREDIT REPORT IT SHOWS THE CURRENT DATES ON THIS ACCOUNT BUT A COUPLE OF FILE SHOWS DIFFERENT DATES. I WOULD LIKE EQUUIFAX TO SHOW GRANITE STATE MANAGEMNENT THESE DOCUMENTS. I WOULD LIKE BOTH OF THEM WORKING TO GETHER IN GETTING THIS RESOLVED
Product: Vehicle loan or lease

The company Credit Acceptance is illegally using my information and incorrect info on my credit profile that is impacting my score. They have a car loan placed on my profile that they have changed the price on multiple times but never corrected the information on my profile that has been proven on both ends as incorrect. Legally the debt collector/collectors must update the correct info or remove the account if it isnt. It has been over 2 years the account has not been updated with the correct information. Also the company illegally repossessed my vehicle for the 2nd time and still have yet managed to update that the property they in fact sold at a auction and ( sent no paperwork ), and continues to show a negative balance for property they have and continues to only up date a negative price they claim i owe.
Product: Prepaid card

All of a sudden I started to receive texts about an account that I did not open. It is in INCREDIBLY hard to speak to a representative without providing your card number or SSN. 

When I finally did get to speak with someone they simply said to reply " stop '' to the text messages but did not spend time to look for the account to ensure that it was not open fraudulently. 

Shortly after, I began to get transaction information of the purchases being made. These transactions are happening in XXXX, CA. I do not live in XXXX, however, my phone number area code is from that area.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found some fraudulent inquiries reporting on my credit report so I sent a letter to the credit reporting agencies on XX/XX/2021 but as of today XX/XX/2021 I have not received the results from the credit reporting agencies. I have filed an identity theft affidavit and sent into the bureaus with my personal identification and proof of address. These fraudulent inquiries still remain despite my submission of supporting documents. The list of creditor attached did not have my consent to run my credit and is a result of identity theft result.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number:XXXX XXXX Creditor Name : XXXX XXXX XXXX Dear CFPB , I am writing to formally file a complaint against XXXX XXXX XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX XXXX . Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law.

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX XXXX XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX  XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect.

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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

I have multiple issues with a XXXX  XXXX credit card account XXXX ( I do not see anywhere else on this form to add my account number, so I'm doing it here. First issue, I dis not open this account. The account name is for XXXX XXXX and I'm XXXX XXXX. I'm getting correspondence by mail stating that I have to pay or I'll be taken to court. I tried disputing several times with no luck. Second issue is the account is showing charge-off on my account and every month is showing a charge-off status dinging my account each month for over a year now. There is also a balance showing for this charged-off account. This is doing damage to my credit every month and is affecting my family and I ability to purchase a home. This account doesnt show on any other credit bureaus. Just Experian. Please delete this from my report ASAP. Please see attached screenshot of myFICO.com report of this account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my name. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : 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 XXXXo support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 
XXXX XXXX XXXX XXXX
Product: Credit reporting

There are XXXX accounts from XXXX XXXX XXXX that are reporting inaccurately onto my file, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ... I have disputed them numerous times with Equifax and they refuse to correct the inaccuracies and verify the items correctly. I have asked them to delete them since they remain incorrect and they refuse to speak with me to do so. I have repeatedly asked for them to provide me proof of verification, evidence of their investigation, reference numbers or absolutely anything and they do not show me or tell me anything. I have contacted XXXX XXXX XXXX regarding these XXXX accounts and they have repeatedly told me that no one has called or conducted any type of investigation from any of the credit reporting agencies. I am concerned as to why these accounts are allowed to remain falsely reported on my file. I will complain until this is properly removed! These accounts are hurting me and contain false dates, payment histories, balances and status codes.
Product: Credit card or prepaid card

Fraudulent usage of card was detected, 5 XXXX reservations on the same day were made without my consent, it was not removed and was fully charged on Amex card. 

Amex will not consider settlement or fraudulent investigation and re opened the bill which might lower my credit score again.

Please help stopping my credit score becoming lower.
Product: Credit reporting or other personal consumer reports

I am writing in response to the recent statements I have received from your agency regarding a debt allegedly owed to XXXX. I am disputing the validity of this debt and request that you cease all communication with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Firstly, I would like to bring to your attention the case of Pacific Concrete FCU v. Kauanoe, 62 Haw 334, in which it was determined that mere statements are not sufficient evidence of a debt. Therefore, I am requesting that you refrain from sending any further statements as they do not provide adequate validation of the alleged debt.

Furthermore, I would like to clarify that a cease and desist letter not only prohibits further communication, but it also implies the removal of any mention of this debt from my consumer report. As defined by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a, communication includes the reporting of information to consumer reporting agencies. Therefore, I expect that upon receipt of this letter, any negative information related to this alleged debt will be promptly deleted from my consumer report. 

In the event that your agency fails to comply with my request and continues to harass and abuse me through improper communication, I want to make it clear that I am prepared to take legal action to protect my rights. Pursuant to the FDCPA, I may be entitled to actual damages, statutory damages, and attorney 's fees. Enclosed is an itemized list detailing the potential costs involved in pursuing litigation for harassment and abuse.

1. Actual Damages : - Cost of legal representation : $ ________ - Loss of productivity and time : $ ________ - Emotional distress and inconvenience : $ ________ 2. Statutory Damages : - Per violation of the FDCPA : {$1000.00} 3. Attorney 's Fees : - Cost of attorney 's services for litigation : $ ________ Please be advised that this letter is not an admission of any liability on my part regarding the alleged debt. However, I expect your agency to comply with all applicable laws and regulations, including the FDCPA and FCRA. 

I kindly request that you acknowledge receipt of this letter within 30 days and confirm in writing that all communication related to this alleged debt has ceased, and any negative information has been deleted from my consumer report. 

Failure to comply with this request may result in further legal action being pursued against your agency. I trust that we can resolve this matter amicably and avoid any unnecessary escalation. 

Thank you for your attention to this matter.
Product: Debt collection

On or about XX/XX/2021 I received an email to my personal email account from XXXX XXXX from Commercial Collection Corp of NY concerning the amount of {$5200.00} which the party stated I owed to concerning a tractor ( truck ) lease from XXXX XXXX XXXX XXXX. In the email the legal threat I bring into question I will quote " In order to avoid further collection activity, this matter must be resolved on an expedient basis. '' I take this as a means of destroying or defaming my namesake, or the namesake of my business ( XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX. Now I will begin with the authentic details of this debt. 1. Does the party have all wet ink signatures of any contracts or documents pertaining to this debt? 2. Why did the party not submit a letterhead dated formal writing about this debt? 3. What is the actual amount owed and where is the proof of the amount owed? The representative of Commercial Collection Corp of NY, a XXXX XXXX sent an email with details that could have been intercepted by any party.
Product: Credit reporting, credit repair services, or other personal consumer reports

A state tax lien was placed on my credit reports for all 3 CRAs. The Lien does not meet the new reporting guidelines ( does not contain SSN or birthdate ) So I would like it removed from XXXX, XXXX and Equifax. I am in the process of filing amended returns on all of these as the original return was calculated incorrectly.