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

On my Self Visa reporting credit card reports twice on separate dates but both should reflect the Statement date amount but does not. The XXXX at 0-10 % utilization but XXXX  XXXX is showing the amount AFTER I pay my statement date as % XXXX. Its a small credit bureau user hack ( hidden factor ) that has been weighing my score down for years!! It may be intentional or purposeful as it should reflect the amount on my statement date it reflects the amount after I use the credit after the statements date. Self Visa app reports may be behind it.
Product: Credit reporting, credit repair services, or other personal consumer reports

PURSUANT TO 15 USC 1681 ( a ) ( 1 ) CONGRESS MAKES IT CLEAR THAT THE BANKING SYSTEM IS DEPENDENT UPON MY CONSUMER REPORTS BEING FAIR AND ACCURATE TO ME. MY CONSUMER REPORTS ARE IN FACT NOT ACCURATE OR FAIR. TRANSUNION, XXXX AND XXXX HAS PRACTICED ILLEGAL AND UNFAIR REPORTING METHODS BY TAKING INFORMATION FROM ALLEGED CREDITORS AND DEBT COLLECTORS PROCEEDED TO REPORT THIS INACCURATE INFORMATION WITHOUT MY CONSENT OR CONSULTING WITH ME TO CONFIRM OR VARIFY IF THE INFORMATION WAS ACCURATE OR NOT. IF YOU DO NOT DELETE THESE NEGATIVE, UNAUTHORIZED, ILLEGAL TRADELINES FROM MY CREDIT REPORT IMMEDIATELY I WILL NO LONGER EXTEND MY CREDIT TO ANYONE OR DO ANY BUSINESS WITH YOUR COMPANY. I XXXX XXXX XXXX AM THE CONSUMER, CREDITOR AND NATURAL PERSON AND I EXERCISE MY RIGHTS GIVEN TO ME BY THE MOST HIGH GOD AT BIRTH.
Product: Credit card or prepaid card

In XXXX of 2020 I purchased airline tickets from XXXX for travel in XXXX of 2020. XXXX cancelled the flights due to COVID. I contacted XXXX for a refund, which they would not offer. They would only offer a voucher, which I did not want. I then contacted Chase within their XXXX window to enter a dispute. I ended up having to provide documentation twice, spending hours printing, uploading, etc. because they mistakingly started my first dispute with only 1 of the 4 charges and the declined the dispute. The second time I sent the documentation was days before ( XX/XX/XXXX ) XXXX XXXX submitted for Bankruptcy ( XX/XX/XXXX ). Chase declined my dispute in late XXXX of 2020. XXXX entered bankruptcy during the time Chase was reviewing my dispute. I believe they should have refunded me based on the Fair Credit Billing Act. I contacted them today after learning about the FCBA, and they stated that it doesn't matter if they made the error, I am now outside the timeframe of making a dispute and they will not review the case, even though my original submission was made within their time requirements. I have lost out on over {$2300.00}, and I believe Chase at a minimum did not properly review the case, and may have denied my claim knowing they should have approved it.
Product: Money transfer, virtual currency, or money service

For no reason my coinbase account has been disable, ive been very patient waiting over 5 months and they still dont do anything to solve my problem. I tried many times calling the coinbase support and emailing them but nothing happened. I have my savings in this account and i do not want to loose it.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) 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. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment Bureau XXXX : This should of never went to collections. I never received a notice back when this were due. Also there shouldn't of been a balance because this was paid a long time ago. I was told that this was going to be removed from credit and it never was. I no longer owe this debt as it has already been satisfied. This needs to be removed from my credit file immediately as this is what should of happened in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

We moved to an address not covered by XXXX and was told we would not be penalized. I received a zero balance final bill from XXXX then I get a collection agency Jefferson Capital System and they can not provide proof of this debt. XXXX has no idea about it and says I do not owe them money. They call me constantly and have even called my work where I am on contract.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again.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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

Sense I have had the card payment do not post right away to my balance awed. So if for example my balance was XXXX and I make XXXX payment for 3-30 days before it shows XXXX balance owed. Every rep I speak with I get a different answer all they want to do is do the same troubleshooting on my phone after 20times maybe Apple Card should check their system. They want me to take time off of at my expense to trouble shoot my phone for their issue. I beleive this is a ploy to collect extra interest cause right now if I make a payment after the 15 th of the month there is an 80 percent chance Im paying interest cause it more than likely it will the same month
Product: Credit reporting or other personal consumer reports

Identify theft and security breech. 
Accounts Negatively reporting on my credit files XXXX XXXX XXXX XXXX Credit Report As of : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open/Closed Account lype Balance Date Opened XXXX XXXX XXXX XXXXXXXX Open/Closed Account Type Balance Date Opened XXXX XXXX XXXX XXXX XXXXXXXX Open/Closed Account Type Balance Date Opened XXXXXXXX XXXX XXXX 
XXXX Closed Secured Card XX/XX/XXXX Closed Charge Card XX/XX/XXXX Closed Credit card {$780.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Open/Closed Account Type Balance Date Opened XXXX XXXX XXXXXXXX XXXX XXXX  Open/Closed Account Type Balance Date Opened Closed Auto Loan {$15000.00} XXXX XXXX, XXXX Closed Auto Loan {$2600.00} XXXX Open/Closed Account Type Balance Date Opened Closed Auto Loan {$2600.00} XX/XX/XXXX Student loans XXXX XXXXXXXX Open/Closed Account Type Balance Date Opened XXXX XXXX Open/Closed Account Type Balance Date Opened Closed Education XX/XX/XXXX XXXX XXXX XXXX  XXXX Open/Closed Account Type Balance Date Opened XXXX XXXX XXXX XXXX XXXX Open/Closed Account Type Balance Date Opened Closed XXXX Loan {$2400.00} XX/XX/XXXX Closed Unsecured {$2900.00} XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXccount Type Balance Date Opened XXXX XXXX XXXX XXXXXXXX Account lype Balance Date Opened XXXX XXXX XXXX XXXXXXXX Account Type Balance Date Opened XXXX XXXX XXXX XXXXXXXX Account Type Balance Date Opened Collection {$2400.00} XX/XX/XXXX Collection {$6300.00} XXXX XXXX, XXXX Collection {$820.00} XX/XX/XXXX As of : Today Collections XXXX Account Type Balance Date Opened XXXXXXXX XXXX XXXX XXXXXXXX Account Type Balance Date Opened XXXX XXXX XXXX XXXXXXXX Account Type Balance Date Opened XXXX XXXX XXXX XXXXXXXX Account Type Balance Date Opened XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX Collection {$2400.00} XX/XX/XXXX Collection {$6300.00} XXXX XXXX, XXXX Collection {$820.00}
Product: Credit reporting or other personal consumer reports

I tried to get in contact with XXXX, Transunion and XXXX about late payments that was showing up on my account. I asked them to send me statements that was sent out from the original creditors and all 3 failed to do so. I been trying since last XXXX  of XXXX  and the only thing they send me back is a copy of my credit report. No investigation has been done.
Product: Debt collection

On XX/XX/2021 I received a threat from Bridgecrest, letter titled " Notice of right to cure and intent to repossess '' as shown in ( Exhibit 1 ) attachment, which is a violation of the following consumer rights : Title 15 USC 1692c ( Communication ).

Title 15 USC 1692d ( Harassment or Abuse ).

Title 15 USC 1692e ( False of Misleading Representations ).

Title 15 USC 1692f ( Unfair Practices ).

Title 15 USC 1692h ( Multiple Debts ).

Title 15 USC 1692j ( Furnishing certain deceptive forms ).

Title 15 USC 1605 ( Determination of finance charge ).

Title 15 USC 1635 ( Rights of Recission ).

Title 15 USC 1662 ( Advertising of down payments and Installments ).

On XX/XX/2021 I submitted a complaint to CFPB concerning Bridgecrest violations of ( TILA ) & ( FDCPA ) exercising my " Right to Rescind '' and still have not got a respectful response. CFPB Complaint Number # XXXX - XXXX. Also, Bridgecrest have received all documents concerning this legal matter via USPS with Evidentiary proof of service as shown in the attachments. To conclude, Bridgecrest has 3 days to comply or legal action will be taken as shown in attachment.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Commonwealth reported me owing them {$630.00} when I never been to the facility nor do I know where its at. I contacted the financial dept XXXX but wasnt able to connect with anyone on XX/XX/2022 they reported on my credit report that I owe them I tried to dispute being the information against me isnt correct nor do I owe. I report fraud on my XXXX report and the case was closed
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I submitted a dispute to EQUIFAX to delete a tradeline being reported by XXXX XXXX XXXX. I included a copy of CFPB complaint number XXXX. 
In said complaint copy, the creditor included non monetary relief of requesting the deletion of the tradeline I disputed. However, EQUIFAX ignored this supporting documentation, closed my dispute and left the fraudulent account on my credit report. 
During a recorded call on XX/XX/year>, I attempted to explain this error to a representative and she stated the dispute was processed correctly, and if I wanted it reviewed, I'd have to print and mail them a physical copy of the supporting documentation, and they would not be able to communicate with the creditor to determine if it should be deleted. 
This is a violation of their own processes, the FCRA, and the FDCPA as their refusal to abide by the creditors deletion request is placing inaccurate collection balances on my consumer reports
Product: Student loan

Navient 's retaliatory actions in response to complaint number : XXXX will cause my wife and I unnecessary financial hardship and stress beginning XX/XX/XXXX. In the complaint, I alluded to what I felt was unethical practices with regards to how Navient was managing my student loans and stated their practices were consistent with the law suit filed against them on the behalf of CFPB in XXXX. It appeared there was little consistency in how the monthly payment monies were distributed between interest and principle. 

I called them on XX/XX/XXXX after getting their response via the CFPB website and asked for further explanation because I needed more clarification than what was explained in their response. They immediately went from explanation of my student loans distribution to pressuring me into a {$1300.00} monthly payment revision I couldn't afford. I declined and stated I could not afford a revision at this time. They continued to persist in me agreeing to 1 of 3 plans with {$1300.00} being the cheapest of the options. I requested they leave the {$450.00} monthly payments in place -- however unfavorable the current payment plan was until I start drawing my Social Security monies next year and at which time I would be better prepared financially the handle a bigger repayment. 

I was told they couldn't " change it back '' to the current payment agreement of {$450.00}, but I never changed the current agreement to begin with! I was merely asking for explanation of payment distribution. After arguing with them for 10 minutes and again explaining to them these were the same type of unethical practices the government sued them for, they terminated the phone call and sent me a new payment plan on XX/XX/XXXX totaling XXXX. 

The {$450.00} monthly payment constituting 1/6th of my monthly net income fit well within my budget. A {$940.00} increase results in a monthly payment of {$1300.00}, this is 1/3rd of my monthly income and will undoubtedly cause financial hardships. At XXXX years of age and facing employment uncertainties, I can ill afford to have this stress affecting my life. Where was the offer for an income-driven repayment plan, why wasn't there a mutually-agreed upon and documented repayment plan? Why not just leave everything in it's current state until I can make better accommodations next year? 

It should be noted that I never sought to revise the payment plan at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Department Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and these inquiries were unauthorized. I ask that the items be deleted from my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible, as they are preventing me from opening new lines of credit. 

Fraudulent Inquiries -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 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 or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report.I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

My Account with truist bank had a balance of XXXX and it was closed, i will like my funds to be released to me and we can part way, but all effort seems not to be working.
Product: Debt collection

THIS IS RIDICULOUS FIRST OFF THE LEASE WAS SIGNED XX/XX/XXXX. THIS FRAUDULENT LEASE ALTHOUGH IT HAS THE CORRECT MOVE IN AND MOVE OUT DATES ON IT, ITS DATED FOR XX/XX/XXXX. THATS BECAUSE THIS UNSIGNED LEASE WAS CREATED TO DEFRAUD ME. THATS WHY THEY CANT PRODUCE A SIGNED LEASE WITH THE GARAGE ADDED TO THE RENT. IN ADDITION THE RENT AMOUNTS THEY SHOW ARE CORRECT BECAUSE THEY DIDNT CHANGE THAT AMOUNT THEY JUST ATTEMPTED TO ADD IT TO MY LEASE AND CHARGE ME FOR IT PLUS DAMAGE TO IT BUT THEIR ATTEMPT FELL SHORT BY NOT ADJUSTING THE RENT NUMBERS. IN ADDITION TO THAT THE ITEMIZED LIST OF CHARGES ARE MISSING SEVERAL ITEMS THEY CHARGED ME FOR LATER IN THE DOCUMENT. I WOULD LIKE TO END BY SAYIND ALL THE CHARGES INCURRED BY ME ALLEDGEDLY ARE POSITIVE AMOUNTS IN THE LEDGER AND THE NEGATIVE AMOUNTS ARE ALLEDGEDLY WHAT THEY REFUNDED ME. WHY THEN IS THIS STILL ON MY RECORD BECAUSE ACCORDING TO THEIR OWN RECORDS THEY OWE ME A CREDIT OF OVER {$7000.00} AS IT IS ENTERED AS A NEGATIVE AMOUNT NOT A POSITIVE AMOUNT. I WILL RESUBMIT THIS DISPUTE WITH THE PAPER THEY PROVIDED NOTED AND DETAILED ILLUSTRATING THEIR FRAUDULENT PRACTICES. HOW DOES THE CFPB JUST CLOSE THIS OUT WITHOUT DOING ANY KIND OF INVESTIGATION TO FIND OUT THE OBVIOUS WHICH IS THE DATES DONT EVEN MATCH UP THERE ARE NO SIGNATURES ETC. WHAT A JOKE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 VANCEHUFFMAN added a derogatory mark on my credit report per XXXX and XXXX but not XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor ( XXXX XXXX XXXX XXXX ) did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, they both has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation of Inaccurate Information on Credit Reports I am writing to formally request an investigation into inaccurate information that has been reported by the credit bureaus on my credit report. Despite my efforts to resolve the errors directly with the credit reporting agencies, the incorrect information remains, impacting my credit standing unfairly.

The balances according to a BOA letter, account statuses, and dates reported by the three credit bureaus differ. All accounts should be consistent on my credit report, but they are not. As stated in the FCRA, Section 611 ( 5 ) ( A ), they are required to promptly remove any inaccurate, incomplete, or unverifiable information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous Dispute letters on my behalf to Equifax. Equifax has NEVER sent me a investigation results. I sent dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and certified on XX/XX/XXXX. 

I would like the negative information that is inaccurate to be removed off my credit report.