23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information Under 15 U.S. Code 1681i ( 7 ) Dear XXXX I am writing to dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( 7 ). I have identified the following inaccurate item ( s ) on my credit report : - ** [ Creditor Name or Account Name ] ** : MIDLAND CREDIT MANAGEMENT Account number XXXX Amount \ {$1200.00} This information is inaccurate or incomplete for the following reasons : [ The account was reported in a XXXX XXXX breach of all information I have also filed a report with FTC as well as XXXX to get it removed from my credit report Enclosed with this letter are copies of supporting documents that substantiate my claim, including : XXXX. Dispute letter to XXXX XXXX. Data breach proof Under 15 U.S. Code 1681i ( 7 ), I respectfully request that you : 1. Investigate and verify the accuracy of the disputed information.

2. Provide me with a written summary of the investigation process and results.

3. Remove or correct the inaccurate information if it can not be verified.

Please acknowledge receipt of this dispute letter in writing. I understand you are required to complete your investigation within 30 days of receipt of this dispute.

Thank you for your prompt attention to this matter. If you require further information or documentation, you can contact me at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX XXXX : [ List of attached documents, e.g., " Copy of credit report highlighting disputed item '' ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 15 U.S. code $ 1681c-2 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, no later than 4 business days after the date of reciept. It has been 30 days and you are in VIOLATION of this law because I am the victim of identity theft!!! Please delete these items immediately! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S. code 1681b- Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER GAVE any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report that violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer I am demanding the deletion of the accounts listed immediately!
Product: Debt collection

MEDICREDIT, INC XXXX ATTETION TO DISPUTE DEPARTMENT TODAYS DATE : XX/XX/19 Yo ur company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MEDICREDIT, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

I was told by Medical Business Bureau that once I paid this account in full and not a settlement it would be deleted from my credit report. Instead of deleting it, they still listed it on my credit report as paid. My maiden name was XXXX XXXX.
Product: Money transfers

We need Legal Forms For Constitional Laws Business and Cooperates complaints on businesses must be made. We have the $ amount that we are paying. Send asap the fees to this company. I have credit card and am awaiting For the money to be released from www.chase.com
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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 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.
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 U.S.C 1681. 

ACCT Name : XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ( XXXX ) ACCT Name : XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ( XXXX ) ACCT Name : XXXX ACCT # XXXX 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 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.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 my 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 XXXX  days 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 XXXX days before the payment due date.

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

I have requested proof that this information was mailed or delivered XXXX 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 XXXX
Product: Debt collection

I lived in an apartment complex owned by XXXX XXXX  ( the original creditor ) ( XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) until around XX/XX/23. My wife and I vacated the apartment after the landlord elected not to renew out month to month lease. XXXX chose to arbitrarily do this after a disagreement between them and myself.

We left the apartment before the agreed upon time and with our rent paid in full. The apartment was also in about the same condition as when we first moved in with reasonable wear and tear after living there for two years. When we left we let XXXX keep our {$400.00} deposit to compensate them for any cleaning or repairs they might have to make. But also because their process for getting the deposit back is convoluted and we were told by previous tenants its almost impossible to get back anyway. After leaving I left the property owner a negative review outlying my bad experience with them. 

They had both my wife 's number and mine and I did not hear from them for 8 months Around the beginning of this year ( XXXX ) I received a notification that XXXX had sent an account for me to collections ( RentDebt Automated collections ) ( XXXX XXXX XXXX XXXX XXXX, TN XXXX ) for {$1000.00}. I received no calls before hand from neither the original creditor about an outstanding bill or the collections agency before it showed up on my credit report negatively impacting my credit. 

I have disputed the collections and original debt with XXXX credit agency as well as the collections agency as not being valid. I also sent a letter by mail to the collections agency asking for additional information and for them to prove that the debt is mine. Neither agency has made any concrete step to verify the debt as being legitimate outside of contacting the original creditor to ask if the debt is valid. They have instead told me it is up to me to prove that I do not on the original creditor money. 

As I stated earlier in my complaint we left before they asked us to, the rent was paid up and the apartment left in reasonable condition. They also kept {$400.00} which should have offset any additional cleaning they needed to do. There is no justification for them sending us to collections for {$1000.00}. Furthermore if they did feel like we owed them they or the collections agency should have made a reasonable attempt to collect on the debt before sending it straight to the credit monitoring agency and hurting my credit. 

Finally it should fall on soard or the collections company to prove that the money is owed which I know they cant outside of a " bill '' that XXXX XXXXXXXX up 8 months after I left the apartment.
Product: Credit reporting or other personal consumer reports

Good afternoon Experian credit bureau stated that they investigated first premieres late payment history which it shows they did not. If you look at the discrepancies on the picture, you will see where there is and 120days ,120 days back to back which thats not how it goes. Then it shows 90 days then 90 days then it shows 60 days and 60 days back to back
Product: Checking or savings account

Southstate Bank allowed someone with a synthetic ID ( completely fake ) to open an account under my name and PII. These criminals then utilized a payroll/payment platform to transfer money into this account using my stolen credentials and my stolen bank account and then fraudulently withdrawal close to {$430000.00} from me. These criminals were unauthorized to withdrawal any sort of funds and/or open an account using my identity. 

These transactions occurred on XX/XX/2022 and XXXX refuses to return the funds due to the fraud not being reported within XXXX hours.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Regarding TransUnion Improper Deletion of a Closed Account in Good Standing To Whom It May Concern, I am submitting this complaint to request an investigation into XXXX  improper deletion of a closed account in good standing from my credit report. Specifically, TransUnion removed my XXXX XXXX credit card account, which was an essential component of my credit history. This action is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and complete credit information. 
The deletion of this account undermines the accuracy and integrity of my credit report and negatively impacts my credit profile. As a closed account in good standing, this account should have remained on my credit report for up to 10 years from its closure date.The deletion year for this account is XXXX. TransUnion has failed to uphold its obligation to report accurate and complete information about my credit history. 
I am attaching screenshots and supporting documentation for your review. These include : A record of the deleted XXXX XXXX accounts removal. 
Correspondence with TransUnion requesting clarification and resolution and restoring my account. 
I request the following actions from your office : Conduct a thorough investigation into TransUnion handling of this matter, including their decision to delete this account. 
Determine whether this behavior is part of a broader pattern of failing to maintain accurate and complete credit information. 
Take steps to ensure TransUnion restores the deleted account to my credit report and complies with the FCRA moving forward. 
XXXX actions have caused significant frustration and concern. I trust that the Consumer Financial Protection Bureau will address this matter promptly to prevent further harm to myself and other consumers. 
Thank you
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD
Product: Credit reporting or other personal consumer reports

I am submitting this report because XXXX XXXX is inaccurately reporting historical account information to Experian and Equifax. Specifically, they are incorrectly stating that my last payment was made on XX/XX/year>. However, I made two additional payments after that date : XX/XX/year> Payment of {$30.00} XX/XX/year> Payment of {$30.00} ( which was later reversed due to my bankruptcy filing on XX/XX/year> ) Additionally, XXXX XXXX is incorrectly reporting my date of first delinquency as XX/XX/year>. This is inaccurate because I made a payment on XX/XX/year>, which means my account should not have been considered delinquent as of XX/XX/XXXX. My monthly payments were due on the XXXX of each month, therefore the date of first delinquency should have been XX/XX/year>. 

These errors are significantly impacting my credit score. I am requesting that XXXX XXXX update my account history to accurately reflect my last payments and the correct date of first delinquency. 

Thank you for your time and assistance in resolving
Product: Credit reporting or other personal consumer reports

Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is reporting as a charge off.And I would like to have it removed from all three credit bureaus. Its been XXXX  years from the first date of delinquency. Per XXXX XXXX account should been removed off the credit it XX/XX/XXXX. Ive disputed this account through XXXX, XXXX and XXXX however it still remains on my credit report. Ive worked with XXXX XXXX XXXX in XXXX and have been working with XXXX XXXX to have this delinquency removed from my credit report. Escalations letters have been sent to XXXX finance company as well as the XXXX credit bureaus and have not heard anything. Please help me removing this account from my credit report
Product: Credit card or prepaid card

I received a drop in my XXXX XXXX due to high utilization of my Capital One Quicksilver credit card as reported on XX/XX/2020 ; however, my balance was paid in full ( as is the case every month ) on XX/XX/2020. My credit card is due the XX/XX/XXXX of each month, payment is usually reflected on my credit report on the XX/XX/XXXX or XX/XX/XXXX each month. I do not understand why my account was reported earlier than the due date as I pay on-time each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

7 months ago my lease became expired and i moved out of my apartment. Now there is a collection ( account number XXXX for {$1100.00} ) on my file indicating that I owe money when in fact management fail to refund my prorated rent. I have attached correspondence between me and upper management discussing the matter where he admitted that proper protocol was not followed by his staff when I vacate the apartment. The management team was new and in training and failed to follow proper procedure, and now IQ Data is harassing me to collect money. IQ Data have called me on several occasions and late evenings. They have been very disrespectful and intimidating. The original Balance reported was {$1100.00}, and out of nowhere a {$31.00} interest charge was added to this collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Late/Open XXXX  XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$2600.00} XXXXT XXXX Balance : {$790.00} XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$20000.00} DEPTEDNELNET XXXX Balance : {$6300.00} XXXX XXXX Balance : {$7900.00} Late/Closed XXXX  XXXX Balance : {$0.00} XXXX FIN XXXX Balance : {$0.00} ChargeOff XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$910.00} CB INDIGO XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$300.00} Collection XXXX XXXX IN XXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX REC XXXX Balance : {$120.00} XXXX XXXX, XXXX XXXX XXXX : {$69.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXX Balance : {$790.00}
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 USC 1681. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2013 I open a card with XXXX XXXX for a XXXX XXXX card. I defaulted on the card and it was eventually closed with comments on my credit report of " Profit And Loss Write-off '' The account was never assigned to an agency for collection efforts nor was it purchased by a debt buyer. Based on the comments on my report indicating it had been written off, it is my concern that the company is still reporting a balance of {$650.00}. In an effort to make good on the account I have contacted the company on multiple occasions in an attempt to settle the account and or set up a payment plan. Everytime I have spoken with someone I have been advised that the account was " closed '' and that they would need to have the account " reactivated '' in order for them to assist in providing me with a settlement offer and or payment arrangement. When I asked them why and what the balance is the response I get is that on their end the account is closed and there is no balance which is why they need to reactivate it. If this is true then why are they reporting a balance on my credit? Just this week I was able to get clarification that the account was in " limbo '' and with the " client services '' department who are in charge of deciding what to do with the account. I asked to speak with them and was transferred to a phone line that rang 20+ times before hanging up. I have disputed this via the credit bureaus and they have done nothing and I have made every effort to try and rectify with the company directly. At this point this account is causing me stress and could potentially prevent me from qualifying for the rate I want to refinance my home. Based on my lenders credit simulator this account could potentially raise my score 24 points if it were updated to the correct {$0.00} balance since it was already " written off ''