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

I am writing to bring to your attention certain discrepancies in the information being reported on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). This is the second time I reported this issue to XXXX ; however, there is still inaccurate information on my credit report. Under 15 U.S.C. 1681e ( b ), when information is challenged by a consumer, a CRA must in fact investigate the accuracy of an underlying disputed debt between a consumer and a creditor as part of its statutory obligation ( XXXX ) to use " reasonable procedures to assure maximum possible accuracy of the information '' in its credit reports; and ( XXXX ) to " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. The Acct ( XXXXXXXX XXXX Acct # XXXX ) reported on my credit profile has multiple inaccuracies such as Date Reported, Lasted Date Of Activity, and Payment History. XXXX reported Date Opened XX/XX/XXXX and Experian and XXXX reported date opened XX/XX/XXXX. The DLA ( last date of activity ) is inconsistent meaning there's conflict that this debt could have been illegally re-aged which is an additional FCRA violations. Date Reported and Payment history are also inconsistent within all three credit bureau. If XXXX has verified the debt and did an investigative then there shouldnt be any misrepresentations being reported on my credit profile. 

Payment History XXXX listed ( NONE LISTED ) XXXX Has history reported Experian Has History reported Last date of activity XXXX XX/XX/XXXXXXXX  Experian XXXX XXXX XX/XX/XXXX Date Reported XXXX XXXX XXXX XXXX Experian XX/XX/XXXX Falsified credit information can result in a lawsuit and damages resulting XXXX  {$1000.00} per error. I would like an actual investigation, proof/ copy of original contract rectifying accuracy and verifying owe debt or account deleted from my credit profile within 30 of date.By continually reporting erroneous information on my credit report, XXXX is violating Section 1681 i of the FCRA XXXX and ( XXXX ) generally alleges that XXXX failed to follow reasonable procedures to assure the maximum possible accuracy of my information.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history with DEPT OF EDUCATIONXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


DEPT OF EDUCATIONXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 letters to Equifax attempting to get unverified information deleted from my credit file. I have detailed in all 4 of these letter how the reporting of this unverified and false information is in violated of the law under the FCRA. Under FCRA Section 611 ( 5 ) ( 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 from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 2. ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' Equifax has failed continuously violated this law, and has failed to delete this unverified information from my credit file. I have requested reinvestigations 4 different times, all of which result in them saying my credit report has been modified, but the unverified accounts have not been deleted. Equifax and their negligent practices are detrimental to my success in advancing in my career field. At this point, it is downright criminal.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account from my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the account that does not belong to me or was opened without my permission. 

XXXX XXXX Balance : {$250.00}.

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that I am a victim of three data breaches since XXXX and have placed security freezes on my credit reports with the three credit bureaus. On XX/XX/XXXX, I applied for a credit increase on my XXXX XXXX credit card which I have had for over 6 years. I was denied the credit increase based on Equifax 's inaccurate data reporting of inquiries. The denial letter is attached to this complaint. Equifax is reporting unauthorized inquiries on my credit report. They have now caused me financial injury as well as defamed my reputation with XXXX XXXX. I am requesting that they provide me the authorizations for the following inquiries that they are reporting on my credit report or delete these unauthorized inquiries immediately. The inquiries and the dates in question are : 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

Lenders changed and I was never notified of the new lender being Loan XXXX XXXX I sent my payment on time but they reported me late in XXXX, 2024 I called them and told them this was their fault for not notifying me in time that there was a change in lenders and this dropped my scores by XXXX points. 
I want this fixed please because I don't believe this was my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I received a notification from XXXX XXXX XXXX that Bank of America had changed my address to the business address of their XXXX  XXXX XXXX. 

I was unable to dispute this matter directly with XXXX because they stated it came from a verified and trusted partner and financial institution and they named Bank of America as the source of this illegal activity.. 

On XX/XX/2022 the Bank of America Corporate office was mailed via Certified Mail and XXXX, XXXX and XXXX were mailed via XXXX XXXX XXXX Mail a letter on my behalf from XXXX XXXX 's XXXX XXXX XXXX, Attorney for the firm requesting Bank of America and all Credit Bureaus correct this illegal, improper and incorrect activity to no avail. See Exhibit 1 ).

To date there has been no response and no correction from any of the credit bureaus nor Bank of America. 

Previous to this latest illegal activity on XX/XX/2022 Bank of America was sent via XXXX XXXX XXXX XXXX XXXX Mail a Notice to Cease and Desist Demand due to an illegal debt collection activity where they retained XXXX XXXX XXXX. ( See Exhibit 2 ). 

Today is XX/XX/2022 and there has been no effort made by Bank of America to delete this illegal, improper and incorrect address with XXXX or any other credit bureau. ( See Exhibit 3 ). 

I demand Bank of America immediately cease and desist all illegal debt collection practices against me and delete this address change with XXXX, XXXX and XXXX.
Product: Debt collection

I had a billing dispute with XXXX that they refused to correct so out of frustration I paid the bill of {$1500.00}. XXXX subsequently turned this item to a collection agency despite it being paid. I have called XXXX repeatedly and Diversified Consultants, a collection Agency. I even supplied proof of payment i.e. cancelled check and they still reported this item as past due to XXXX. Subsequently I contacted XXXX and they continue to be unresponsive yet my credit rating has been seriously impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and seen that i have some inquiries that I didn't authorize. None of these companies have my permission, signature or my consent to have pulled my credit. I do not have any accounts open from these inquiries and I would like to have them removed as soon as possible. Its illegal according to section 604 of the FCRA. 
XXXX 1. XX/XX/2019 XXXX XXXX XXXX 2.XXXX XXXX XXXX  XXXX 3.XXXX XXXX XXXX XXXX 4. XX/XX/2019 XXXX XXXX 5. XX/XX/2019 XXXX XXXX 6. XX/XX/2019 XXXX XXXX XXXX XXXX 7. XX/XX/2019 XXXX XXXX. 

Equifax 1. XX/XX/2019 XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX   1.XXXX XXXX XXXX 2. XX/XX/2019 XXXX XXXX XXXX 3. XX/XX/2019 XXXX XXXX 4. XX/XX/2019 XXXX XXXX 5.  XX/XX/2019 XXXX 6. XX/XX/2019 XXXX XXXX
Product: Debt collection

Southern MGMT Systems : XXXX ( Account XXXX ) This is not my debt
Product: Credit reporting or other personal consumer reports

Had a soft and then hard inquiry from XXXX XXXX XXXX XXXX XXXX which is a XXXX credit card. Was not me. I contacted XXXX and after much research, they found that someone tried to use my name to open a credit card account online, but had none of my PII, no social security number, not even the last 4 of my social. No credit was extended but somehow this remains as a hard inquiry on my Equifax report. I called Equifax, explained they should have never allowed an inquiry with no SSN, but they refused to remove it from my credit report. I need help having them remove this fraudulent inquiry.
Product: Money transfer, virtual currency, or money service

I am filling 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. 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 regulations E. These actions have cost significant inconvenience and financial loss, I seek appropriate readdress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not protect my personal information ( name, addresses, financial account information, social security number, date of birth ). I never authorized Equifax to collect or store any of my information in the first place. However, once they collected my information, they did not take appropriate measures to prevent others from accessing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found late payments on the report that are inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the late payments reporting on the account listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report as being late. Please dont respond to my request by saying that the account have been verified, or that the late payments are accurate. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of the disputed late payments on the specified account, then please delete the late payments immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified late payments on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts, and unverified late payments, must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each missed payment, listed below within 30 days of receipt of this letter then you must remove these late payments from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following account be properly verified or removed immediately. I am protected against the unfair reporting of the said late payments due to the Section 611 ( a ) ( 5 ) ( A ) ( i ), as well as being impacted by COVID-19. I have attached my extension agreements, although I was granted four extensions, they continue to report my account as 30-90 days past due. I am requesting that the 8 late payments be deleted immediately. 

ACCOUNT # XXXX XXXX account listed under XXXX XXXX ( maiden name )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX open on XX/XX/2020 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt or credit management

Freedom debt relief collected over XXXX dollars to help me with debt from XX/XX/XXXX through XX/XX/XXXX. They paid off XXXX debt of XXXX dollars and then negotiated with another personal loan of XXXX dollars said they settled it but took about XXXX dollars and then took out a loan to pay it without telling me. They also negotiated another credit card and paid XXXX dollars on it I called them to cancel with them. They said they didnt care what I did and let me talk to a representative that practically cuss me out and wanted more money they told me they would refund me over XXXX dollars that was in my account. They havent settled yet and didnt pay what was settled. They charged me over XXXX dollars for no work done. I feel this company lied about their policies and what they were going to do for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a Federal Trade Commission Identity Theft Report. The following accounts, public record and credit inquiries listed on my Trans Union, XXXX, XXXX credit report, are not my accounts, public record or credit inquiries : XXXX XXXX XXXX XXXX, {$370.00}, XXXX XXXX XXXX XXXX, {$3700.00}, XXXXXXXX XXXX XXXX XXXX {$2000.00}, XXXX XXXX  Bankruptcy, XX/XX/XXXX, Reference Number : XXXX, XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I mailed my cease and desist letter to the collection agency who is responsible for this debt. I was very clear that they should cease and desist all communications with me in regards to this debt. My USPS certified tracking number is XXXX in which was delivered and signed for on XX/XX/2023. But even though they received my letter and signed for it. They still have been trying to contact me through my consumer report as well as continuing to send me letters in the mail about this debt. 
Under section 805 ( c ) of the FDCPA states that if a consumer notifies a debt collector in writing that they wish the debt collector to cease further communication with them. The debt collector must not communicate further with that consumer.

So why are they still trying to communicate to me through my consumer reports about this debt that I already written to them to cease all collection and communication with me.

As well as section 807 ( 4 ) which prohibits a debt collector from continuing to communicate with the consumer, except to notify the consumer that the debt collector further attempts are being terminated.
Product: Debt collection

Continued calls from Sunrise Credit Services , Inc . I do not have an account and have never had an account with Sunrise Credit Services. I have checked my credit reports from all agencies and do not have any entries from Sunrise Credit Services nor do I have any late payments or payments disputes from credit agencies. Sunrise Credit Services contact me on a daily basis despite my having notified them that I am not familiar with their agency and do not have any outstanding debts.
Product: Credit reporting 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 asked XXXX, XXXX and Equifax to reinvestigate to accounts listed below : XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are supposed 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 an 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 antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. Also they aren't in compliance with metro 2 credit reporting.
Product: Debt collection

I am trying to apply for credit and this debt is apart of other debts that I am not sure of its validity and it's hindering my ability to obtain credit.
Product: Checking or savings account

To Whom It May Concern, I am writing to formally request the prompt issuance of the remaining balance check of {$170000.00} XXXX  from Bank of America ( BOA ) for a closed account. Account info, name of the business : XXXX XXXX XXXX Account number XXXX XXXX : XXXX This account had been receiving customer payments in succession by the end of XX/XX/XXXX. During this period, the account was temporarily restricted by BOA 's risk XXXX department. However, after providing the necessary customer information, including names, email addresses, and phone numbers, the risk assessment was completed satisfactorily, and the account was returned to an operational status. Subsequently, a change of ownership for the company was processed, transferring from XXXX XXXX to myself, XXXX XXXX. In XX/XX/XXXX, I received a letter from BOA indicating the closure of the account. Then, in XX/XX/XXXX, a XXXX  for {$110000.00} USD was issued to the company, but the subsequent amount of {$170000.00} XXXX remains unpaid. The handling of this matter by BOA has been highly unprofessional for several reasons : The account funds had already been verified by BOA 's risk control, with all necessary customer information provided. Despite this, BOA has continuously claimed that the account requires additional investigation, refusing to accept further customer payment contracts and invoices as additional proof. The delay in receiving the final payment is excessive. Since being notified of the account closure in XX/XX/XXXX, the remaining balance has not been received as of XX/XX/XXXX. Enclosed are the final statement and notice from BOA pertaining to this matter. I urge the Consumer Financial Protection Bureau to intervene and facilitate the expedited resolution of this issue, ensuring that the remaining balance owed to me is promptly settled. Sincerely, XXXX XXXX
Product: Debt collection

XXXX  stated they where able to furnish my information to an unauthorized third party to unlawfully seize my vehicle. XXXX  also states that are able to infringe on my right to privacy due to the GLBA ( Gramm Leach Bliley Act ). The GLBA says XXXX ( the financial institution ) may not disclose non public information unless XXXX  has clearly and conspicuously disclosed to me and, I, the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party, and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX  continues to violate my rights as a federally protected consumer.
Product: Credit reporting or other personal consumer reports

Whom It May Concern, I am writing to formally dispute the collection account listed on my credit report for XXXX XXXX XXXX. I have never entered into any contract or agreement with XXXX XXXX XXXX. Under contract law, for any obligation to exist there must be a legally binding agreement between both parties, which in this case does not exist. 

In addition, I request that XXXX XXXX XXXX provide full validation of the debt in compliance with the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692g ). This includes providing a copy of any original contract bearing my wet-ink signature that legally obligates me to this debt. Absent such evidence, I maintain that XXXX XXXX XXXX has no legal right to report this account on my credit file. 

Below is the contact information for XXXX XXXX XXXX as listed in my records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you investigate this dispute within 30 days and remove the account if proper documentation is not provided. Please send all correspondence regarding this dispute to my address listed above. 

Thank you for your prompt attention to this matter.