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

I am writing to formally dispute the inaccurate information being reported on my credit report from your bureau. Specifically, I am disputing the details regarding XXXX XXXX XXXX Account Services listed as a charge-off on my credit report. 

Inaccuracies and FCRA Violations : 1. Inconsistent Date of Last Activity : The date of last activity for this account is inconsistently reported across sections of the credit report. One section lists the last activity as XX/XX/year>, while another lists it as XX/XX/year>. This violates the FCRAs requirement for accuracy in credit reporting. 
2. Unreported or Incomplete Payment History : My report indicates No data available for payment history on this account, which is inaccurate. This account had prior payments before it was charged off, and those should be reflected in the payment history. Reporting incomplete information violates my rights under the FCRA to have accurate and complete information.

3. Discrepancies in High Balance : The high balance of the account is reported inconsistently. In some sections of the report, the high balance is shown as {$10000.00}, while in others, it is either not specified or appears incorrectly. This inconsistency again violates the FCRAs standards for accurate reporting.

4. Outdated Dispute Remark : There is a notation of Consumer Disputes Reinvestigation in Progress. If the reinvestigation is complete, this remark should be removed. Leaving it on the report unnecessarily could unfairly impact my credit standing.

Requested Action : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information on my credit report. Please conduct a thorough investigation of this matter. I request the following : The removal or correction of the date of last activity to ensure consistency across all sections.

An update to reflect the correct payment history prior to the charge-off.

The correction of the high balance amount to consistently show {$10000.00} or the accurate amount across all reports.

Removal of the outdated dispute remark if the reinvestigation is complete.

Please conduct this investigation and provide me with a written confirmation of your findings and any updates made to my credit report. Should this account not be verifiable or if these inaccuracies are not corrected, I request the removal of XXXX XXXX XXXX charge-off from my credit report as required by law. 

I have enclosed a copy of my credit report, highlighting the relevant information, along with any supporting documents for your reference. 

Thank you for your attention to this matter. I look forward to your prompt response within 30 days, as required by the FCRA.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an alert from my credit monitoring service stating I was XXXX on a credit card. I knew this was an error as I have a 100 % payment history with all my accounts and a near perfect credit score. I logged into the service and saw it was Bank of America. I logged into my Bank of America account and saw I already had an autopay setup for the {$19.00} payment due ( total due in full ) for XX/XX/XXXX. As soon as I received the statement I logged in online and scheduled the payment. I have a XXXX XXXX line of credit with BofA and a {$19.00} balance. I immediately called Bank of America. My mind was baffled as a prime customer why I didnt receive a courtesy call and where was the statements?? I am enrolled in paperless statements and the one I received is the one I scheduled the payment for to be pulled on the due date. I did not get a paperless statement for the previous month nor a call. I was told a complaint would be submitted to upper management and the rep I spoke with had the authority to request the late reporting suppressed from my credit reporting. He told me it would take up to 30 days to update. Perfect, I thought this was resolved until I called the following weekend on XX/XX/XXXX to confirm the actions in which I was told took place was actually done. I was told by that rep that the conversation was notated but she doesnt see that the letters/dispute was entered. She consulted with a manager in which I was told she would process the request to remove the reporting and I would receive two letters via mail confirming so. I told them I was in the process of purchasing another home and how urgent this was. I was given credit bureau dispute number XXXX and XXXX # XXXX. Now on XX/XX/XXXX to date I havent received the letter I was told would be sent stating theyve sent the request to remove the 30 day reporting from my credit reports. I called and spoke with a manager XXXX who proceeded to tell me the prior information I was told was incorrect that they cant send anything to me in writing and ultimately its up to the credit bureau if they update it and the decision was not in their hands. I educated him that Bank of America is the creditor reporting and theyll update to what theyre told and he told me this wasnt the case. This leads me to believe that all that was done was a standard dispute initiated and not a request to remove the reporting due to the negligence or system error on bank of Americas side. I asked for a higher level manager as I want it removed from my credit and for them to honor what was originally told to me on the first conversation on XX/XX/XXXX. Banks need to be held accountable to the information given and I shouldnt receive multiple different information from one rep to the next. This has dropped my score down XXXX points!!
Product: Checking or savings account

My spend account with Credit Karma was locked around the middle of XXXX - after XX/XX/XXXX. I discovered it when my card was declined several times. I kept calling and the support team couldn't tell me why. I have not had access to my money, which is my federal tax return and now my federal stimulus checks. 

Every time I call to inquire they tell me they can not help me and that the department that is handling the " issue '' does not have phones they only email. I have never received an email from the department that is handling the " issue '' and I have yet to be told what the " issue '' is for certain. 

I have called or emailed numerous times : XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX - trying to resolve this issue and find out why my account is locked. 

Today, XX/XX/XXXX is the first time someone told me that the special " escalated department '' at Credit Karma needs to send me verification forms to prove that I am who I am - for what purpose - I do not know. 

I was told when I first called my request would be handled in 24-48 hours. 
The supervisor I spoke with today told me " these cases can take a week '', his best case can " be 2-3 days '' and my case is " the worst case he has seen ''. FOR WHAT? I do not know. 

I absolutely say publish this information. XXXX should not use CreditKarma any longer. Just send people their refunds.
Product: Debt collection

IQ Data has attempted to contact me several times - even after I specifically asked them not to after the first time in reference to a {$14000.00} debt I do not own or know anything about from XXXX XXXX XXXX in Texas. I was met with abusive language and intimidation tactics. I had already reached out to the apartment complex listed on my credit report because I have never lived there. I have been living in XXXX XXXX  for over 20 years. I have been in the same apartment I am in currently for 6 years. I am an almost XXXX XXXX XXXX woman. My credit score is XXXX! I pay every bill on time. This accusation is ridiculous. I've never even been to Texas! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX IQ Data International I am reaching out to whomever this matter concerns on behalf of myself, XXXX XXXX XXXX, a federally protected consumer. I am enforcing my rights according to 15 USC 1692g by asking your company to VALIDATE the alleged debt as well as send me evidence that i am obligated to pay this alleged debt. I am not refusing to pay the debt but rather asking your company to validate this debt as it is your lawful duty when asked by a consumer. I am also making your company aware that invalidated information on my consumer report may be fraud under federal and state laws, and I will not hesitate to bring forth legal action if my rights continue to be violated under the FDCPA and FCRA. You have 30 days to validate this debt and during this time all furnishing and collection activities must cease and desist through any and all mediums including my consumer report. If IQ Data International fails to respond within 30 days to validate this debt it shall be deleted and removed from my credit file immediately.

If adverse action is taken against me as a consumer I will consult my legal counsel. Please be advised that according to 15 USC 1692g - Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
Thank you for your attention in this matter, XXXXXXXX XXXX XXXXXXXX Without prejudice, All Natural Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity fraud. I have been requesting Equifax to remove the fraudulent accounts from my consumer report due to the transactions not belonging to me. Equifax has responded stating that the accounts are verified however they have not sent the proof of the fraudulent accounts being verified. I have not received any documents with my signature on them or any validity of contracts. I have not attempted to obtain any form of credit in several years so I should not have any inquires reflecting on my consumer report. I have submitted police reports, showing that my personal information was stolen in 2015. I have submitted my social security card and ID to show that I am who I claim to be. I have called serval times and spoken to Equifax along with written communication and they have failed to remove the inquires and fraudulent accounts. At this point I am being victimized my Equifax!
Product: Debt collection

I paid and closed my account.kohls returned and stated I owe XXXX dollars
Product: Debt collection

I CONTACTED MACYS ON XX/XX/2017 AND XXXX XXXX 2017. I ALSO RECEIVED AN E-MAIL FROM XXXX XXXX. I MADE SEVERAL ATTEMPTS TO PAY OF THIS DEBT, BUT DUE TO STATUE OF LIMITATION THEY COULD NOT DO A SETTLEMENT OFFER. THEY DID NOT WANT TO ACCEPT PAYMENT.
Product: Debt collection

In XXXX XXXX, CO, XXXX XXXX XXXX XXXX, under false pretenses, rushed us into the treatment room. I asked several times before that if they accepted my health plan ( XXXX/XXXX XXXX as a XXXX employee at the time ) and received no answer. After they had XXXX my eyes they tell me they only give me a 10 % discount since they didn't accepted my XXXX/XXXX  plan. Meaning that she wanted to charge us {$360.00} for a prescription! I immediately told them I was not going to accept that. Neither my wife or I never received a complete examination or a prescription for new glasses. They attempted to had me a prescription, which I immediately returned and walked out. 

Now the account is with Advantage Network System and they want to take advantage and charge the initial amount plus their fees for a total now of {$410.00}.
Product: Student loan

I HAD A STUDENT LOAN FROM AN XXXX SCHOOL MORE THAN 28 YRS AGO. AT THE TIME, I REALLY DID N'T KNOW WHAT I WAS SIGNING BECAUSE I WAS LIKE XXXX OR XXXX AND HAD JUST HAD A BABY SO I STARTED THIS XXXX SCHOOL. WELL I ENDED UP XXXX AGAIN A FEW MONTHS AFTER AND EVENTUALLY NEVER GOT THE CHANCE TO FINISH THE SCHOOLING. YEARS LATER, THIS ENDED UP ON MY CREDIT AND WAS A MAJOR PART IN DESTROYING MY CREDIT. SO I FINALLY, NOT WANTING TO AT ALL, ENDED UP FILING FOR BANKRUPTCY, THINKING THAT IT WOULD EVENTUALLY GET RID OF THE DEBT ALONG WITH THE OTHERS. WELL AFTER COMPLETING AND GETTING DISCHARGED FROM BANKRUPTCY, THE LETTERS AND THE NUMEROUS AMOUNTS OF PHONE CALLS STARTED COMING AGAIN FROM THIS AGENCY CALLED NAVIENTS. INITIALLY, I WAS TELLING THEM THAT I HAD NO IDEA OF THIS DEBT BECAUSE I 'D NEVER HAD A LOAN WITH A COMPANY CALLED NAVIENT. WELL, THEY KEPT CALLING AND CALLING THREATENING ME ABOUT THIS DEBT. A COUPLE OF YEARS LATER, A COMPANY CALLED XXXX STARTED CALLING AND HARRASSING ME ABOUT THIS SAME DEBT, EXCEPT THAT NOW IT WAS MORE THAN 4 TIMES THE AMOUNT OF THE ORIGINAL LOAN WHICH WAS ONLY ABOUT {$2200.00}. WELL, THAT COMPANY INTERCEPTED MY TAXES AND IT CREATED A DEFINITE HARDSHIP FOR ME AND MY FAMILY AS I HAD JUST LOST MY OLDEST CHILD AND ONLY SON TO XXXX. I HAD TO BORROW MONEY FROM FRIENDS AND FAMILY JUST FOR HIS BURIAL. I WAS OUT OF WORK FOR WEEKS BECAUSE I COULD NOT FUNCTION. GOT BEHIND ON SEVERAL BILLS AND MAINLY MY RENT SO I WAS EVICTED BUT A FRIEND HAD A PROPERTY NO ONE WAS LIVING IN, SO HE LET US STAY THERE. I HAVE XXXX OTHER DAUGHTERS, MY SICK ELDERLY MOTHER AND MY GRAND DAUGHTER, WHO IS MY SONS OLDEST CHILD. HE HAS XXXX. AFTER THAT, I SET UP PAYMENT ARRANGEMENTS WITH XXXX AND COMPLETED THE REHAB PROGRAM THROUGH THEM. I DID NOT KNOW THAT THIS {$2200.00} LOAN HAD BEEN SOLD TO XXXX COLLECTIONS AGENCIES. THEREFORE, THE AMOUNT OF THE LOAN HAS QUADRUPLED TO MORE THAN {$8000.00}. AFTER THE LOAN CAME OUT OF DEFAULT, DUE TO THE REHAB PROGRAM, IT IS NOW BACK IN NAVIENTS HANDS AND THE PAYMENT PROGRAM THAT THEY ESTABLISHED IS WELL MORE THAN I CAN POSSIBLY AFFORD AND WOULD CREATE AND UNNECESSARY HARDSHIP ON ME AND MY FAMILY ONCE AGAIN. TO TRY TO EVEN PAY IT OFF WOULD BE MUCH WORSE BECAUSE NOW AFTER ALL THE OUTRAGEOUS FEES AND CHARGES, THEY ARE SAYING I WOULD END UP PAYING OVER {$12000.00} FOR A {$2000.00} LOAN. I WROTE THEM AND ASKED IF WE COULD COME TO A PAY OFF AGREEMENT FOR A PERCENTAGE OF THE ORIGINAL AMOUNT OF THE LOAN AND THEY DECLINED MY OFFER, WHICH IS WHY I AM WRITING TO YOU. I GET XXXX AS A VETERAN AND I 'M BARELY MAKING ENDS MEET WITH MY FAMILY AS IS. AS I STATED, THIS LOAN IS ALMOST 30 YEARS OLD AND TRYING TO PAY THIS OFF WOULD BE NEARLY IMPOSSIBLE. AND THEY ARE DESTROYING MY CREDIT IN THE PROCESS, EVEN AFTER BANKRUPTCY. CAN YOU ALL PLEASE HELP?
Product: Debt collection

Amounts of XXXX and XXXX was done in my name, seems like my name and social was used by my dad and Ive been very unaware
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experians Response to my Dispute : The bankruptcy was not removed, and Experian stated the reporting source confirmed its accuracy.

However, under the FCRA Laws, credit bureaus must conduct an independent investigation rather than solely relying on the reporting entity. 607. Compliance Procedures ( 15 U.S.C. 1681e ) Credit bureaus must ensure the accuracy and fairness of credit reporting.

This bankruptcy is reported inconsistently this is a compliance failure.

623. Responsibilities of Furnishers of Information ( 15 U.S.C. 1681s-2 )
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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account XXXX XXXX XXXX, Account XXXX, Acount XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and incorrect balance much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXX has violated my rights under 15 USC 1681 section 602, which sates eye have the rights to privacy. 15USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

an unknown collection agency showed up on my credit report. 
I disputed with the credit reporting agency. 
they stated it was verified and is accurate. ( cc of the tradeline on my report with XXXX  and transunion attached ) I sent a validation letter to the company XXXX XXXX. ( copy of letter XX/XX/2019 attchd ) they failed to verify or validate the debt ( copy of their XX/XX/2019 response attchd ) in addition to being an unknown unverifiable tradeline on my account the information they are reporting is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I opened a dispute with Experian about my student loan from the Department of Education. This Loan was Opened on XX/XX/XXXX in the amount of XXXX. 

I made a dispute with Experian in XXXX about having the account removed but was unsuccessful. In XXXX of XXXX, the account was refinanced - along with other student loans- into a new account. However, the US DOE Reported that the Account was in Collections in XXXX of XXXX, which was completely false. In addition to the false report, it has been well over 7 Years from the Opening date, and should no longer appear on my credit report. This is having a negative impact on my score which is unfair being that the account has a false report, and is very old. I tried to submit a XXXX dispute with Experian on XX/XX/XXXX, but Experian denied to request because I made a prior dispute. This is unfair and damaging to my credit report. 

The Fair Credit Reporting Act prohibits Credit reporting agencies are obliged to delete inaccurate, incomplete or unverifiable information.The Fair Credit Reporting Act prohibits background screening firms from reporting any arrest record or adverse non-conviction information older than seven years.
Product: Debt collection

On XXXX XXXX I contacted Carter Young Collection Agency Concerning a collection on my Son ( XXXX XXXX XXXX ) Credit Report due to an erroneous apartment collection from a student housing apartment XXXX XXXX XXXX Old XXXX XXXX XXXX XXXX, FL. I was disputing the validity of the debt and provided information on the individual that moved in the apartment in XXXX after my son moved out in XXXX. I received no response from agency. 

On XX/XX/XXXX I followed up with the a second email. Still No response from the company. 

On XX/XX/XXXX I received notification from XXXX that the collection agency had placed the same debt on to my credit report. I have never lived in Florida, had no knowledge of this debt until XX/XX/XXXX. The Collection Agency Maliciously placed this collection on my credit report that is not mine. I as a mother trying to assist her son correcting his credit report was acting in good faith contacting the collection agency to dispute and resolve a debt. This agency made no attempts to resolve the matter but in turn acted in a malicious manner. I have been harmed by this malicious act as I just submitted at application for a mortgage on XX/XX/XXXX and this is prohibiting my ability to qualify for a home for my family. 

On XX/XX/XXXX I contacted the agency 7 times to speak with a supervisor and was continuously transferred to a Ms. XXXX who had preformed the malicious act. I emailed and mailed a letter the company notifying them that my rights had been violated and requesting for the collection debt to be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Only the holder of the original note can collect on the debt that exists on the instrument. If you did not sell this instrument I need you to produce it. If you did sell my instrument you should have contacted me to inform me prior to doing so. Your company is furnishing an account to my consumer report without my permission. I am requesting the original document and physical proof one exists that gives your company permission to furnish this account to my consumer report. This document must be a bilateral contract between your company and my self that gives your company permission to furnish this debt on my consumer report. You must prove that I am the obligated party for repayment to you or delete this account from my consumer report. Providing a statement that you have an agreement with another company and not me is not sufficient proof that I owe your company anything. Continuing to furnish this account to my consumer report without providing the requested information is FRAUD and a violation of my consumer rights and I will not hesitate to bring legal action against you.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a XXXX XXXX, and they are unfairly affecting my financial situation. Here are the items in question : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - {$3000.00} XXXX XXXX XXXX XXXX XXXX  XXXX - {$890.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit card

Received a letter dated for XXXX XXXX. The letter confirmed any purchases I make within XXXX months of acct opening would have a XXXX  % rate until the card is paid off. Based on the terms online, it sets my promotional rate expires this month on any purchase balance not paid off. I have spoken to multiple customer service contact that have told me Im wrong. I was advised to send a copy of the agreement to XXXX. I spoke to customer service on XX/XX/XXXX and XX/XX/XXXX. I contacted Citi to confirm if a dispute was open up and was told no letter is noted in the system.