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

Quantum Collection reported this account as in collections on XX/XX/2021 there is a second trade line from XXXX XXXX on XX/XX/2021 for the same account. It is my belief the account was transferred out of Quantum Collections office and placed with XXXX. It would appear that Quantum is continuing to report an account they no longer have the legal right to collect on. This is now causing my credit report to have two collections accounts listed for the same account which is showing a much higher amount in collections and is inaccurate as they are not owed money anymore. 

Quantum should have complied with the FCRA and deleted their trade line from my credit when the rights to collect was transferred out of their office
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown items on my consumer report. It has now been 30+ Days and I have not yet received a reply. I feel as if I'm being ignored and my issues are being disregarded. Section 611 ( a ), explains that failure to investigate disputed items within 30 days is cause for immediate deletion from the consumer report. I have been waiting patiently for a response, for more than the required timeframe. So, with that being said I am demanding that the items be deleted immediately. Their have been multiple violations committed during this ordeal which has me feeling as if I'm being taken advantage of. Ive also searched my name in the XX/XX/XXXX data breach system and learned that my info was compromised. PLEASE DELETE ALL DISPUTED ITEMS IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

My report includes accounts I didnt add, likely due to fraud. Requesting their immediate removal and blocking.
Product: Checking or savings account

Throughout the time I became a legal adult in XXXX of XXXX  until now I have seen that Wells Fargo will notoriously move my transactions in my checking account to put me in a negative deficit and allow for overdraft charges. I estimate roughly about XXXX XXXX {$800.00} in overdraft transactions have been charged to my account due to this movement of my transactions. I know the transactions are being moved because I have screenshots of dates that transactions have been processed, only to find days later that the transactions were moved to another date which caused my account to go into a negative deficit and cause overdraft fees.
Product: Checking or savings account

Wells Fargo kept opening accounts; charged me with unknown fees, now I find they charged off {$2100.00} and also allowed charges I did not authorize or make
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I have been disputing a fraud charge with Bank of America since XX/XX/2023 ; the claim has been denied twice. Attached you will find a timeline of actions taken and supporting documentation. Sadly, I know exactly what I was doing the day of the fraud charge. My family experienced a death by XXXX at approximately XXXX XXXX on XX/XX/2023 ( the day of the fraud charge ). I made phone calls to family members, ordered food, made a delivery of food to the parents of the XXXX victim, and spent most of the day at their home. I can provide witnesses that will attest to these facts and my phone records will show the calls I made that day. I appreciate any help you can provide in disputing this fraud charge. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I won an eviction case against the original creditor XXXX XXXX XXXX on XX/XX/2021 on XX/XX/2021 the oc  retaliated against me by reporting the balance over to a debt collection company Hunter Warfield IncXXXX At the time I reported the debt collection attempt to the eviction attorney and also to the consumer protection agency and have an ongoing case ( XXXX ) with investigator XXXX XXXX and she has been great and has worked to get the issue somewhat resolved but while this is going on the oc is still aggressively reporting me to collections and on my credit report opposite of what they are saying in negotiations. This is causing a lot of undue stress mental health issues and financial hardships
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Balance : {$1300.00} LXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house and illegal information and identity theft is damaging to my character and livelihood. Agencies used my ss # and other information for fraudulent purposes in unknown years. Credit agencies listed inaccurate information on my credit report, per 15 USC 1681, et seq. Isnt it true HJR-192 prohibits payment of debt and substitutes, in its place, evidence of discharge of an obligation -- thereby not only subverting, but totally bypassing the " absolute prohibition '' so carefully engineered into the US Constitution? There is, now, nothing for this Article to operate on, just as there is nothing for Common Law to operate on. Perpetual debt, bills, notes, cheques, and credits fall within a different authority than contemplated by Article I, Section 10, Clause 1 -- and that authority belongs exclusively to the Law of Admiralty and Maritime. Obviously, if we can not pay our debts at law, we are also benefiting from limited liability under the Limited Liability Act when we use this credit -- and that is marine insurance. 

Agencies have willfully failed to delete my disputed information. Said information is not valid proof for a reasonable determination which complies with the FCRA. Because of that fact, I DO NOT BELIEVE YOUR AGENCY PERFORMED AN ACCURATE INVESTIGATION. Mismatched data supplied to ALL XXXX  credit bureaus is negative and inaccurate information. Agencies failure to investigate properly is an intentional and / or negligent FCRA violation. Alleged debts herein were written off from a 1099 C ( 26 U.S.C. 6050 ( P ), the purchaser and original creditor accepted the dispute, and no proof of an accurate investigation was provided. Pursuant to 15 U.S.C. 1681 2 2 ( A ) companies violate the law regarding the responsibilities of furnishers of information to consumer reporting agencies. Also, 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, it is a violation of privacy. Per US CODE 15 U.S.C. 1681 B 2 ( a ) no entity can list information in my consumer report without my written permission. Per U.S. CODE 1028 ( a ) information furnished without my written permission is identity theft.
Product: Debt collection

Continue to report inaccurate information on my consumer report! Defamation of character, unfair means to collect a debt, exercising the color of law, pursuant to 15 USC 6802, pursuant to 15 USC 1692 k, pursuant to 15 USC 1681 b! A debt collector might not use unfair me to collect a debt, and as the consumer I am invoking my specified remedy of deleting this inaccurate information from My consumer report and send documentation state in that it has been removed and also pay me {$1000.00} for this violation!
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : XXXX XXXX Account XXXX date late payment XXXX XXXX XXXX XXXX XXXX Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to get a collection account removed from my credit report since around XXXX or XX/XX/2022. There were 2 inaccurate accounts and one was removed, but these Credit Bureaus have failed to notify me of why the other one hasn't been deleted. Their investigation has taken more than 30 days, and they are willfully allowing Identity Theft inaccurate information to remain on my reports and damage my credit score. 

I am legally entitled to have this account listed as Collection, removed. 
XXXX XXXX XXXX collection account listed says I owe {$2500.00} yet no one has furnished any proof bearing my signature not any other type of validation or verification. 

In accordance with the Fair Credit Reporting act XXXX  Account # 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. 

I need this removed immediately. XXXX and Experian are not complying with the Federal Credit Reporting Laws. 

I have been trying for months and the laws are being violated that they, credit bureau, should be abiding by. They haven't provided proof or anything in the legal timeframe. It can't be verified because obviously it's not something I did or owe.
Product: Credit reporting or other personal consumer reports

Transunion told me that they would investigate any errors and provide me an accurate report and yet they allegedly conducted an investigation into errors i found on my report and at the conclusion of the investigation, none of the damaging errors were removed
Product: Checking or savings account

I XXXX  the wrong person and was unable to get back my money
Product: Consumer Loan

In XX/XX/XXXX I purchased a hearing aid from XXXX XXXX of XXXX XXXX. My payment loan was through XXXX. Late last year, XX/XX/XXXX I learned that XXXX XXXX had sold his company. Apparently XXXX sold or transferred my account to Synchrony Bank. XXXX XXXX did not inform his clients he was going out of business. XXXX did not inform me my account had been transferred to Synchrony Bank nor did Synchrony Bank they acquired my account. In the meantime a payment in full due date had arrived. With the passing of that due date Synchrony Bank now wants a {$500.00} penalty fee. Synchrony Bank attempted to contact me via e-mail several times. However, in this day and age of identity theft, etc. I do n't respond to email from unfamiliar parties. Thus, I did not respond to Synchrony Bank. At least not until the XXXX or XXXX message. That is when I learned about the sale of XXXX XXXX and the transfer of my account. No one, not XXXX XXXX nor XXXX nor Synchrony Bank sent me any notice of the changes. I do not feel as though I should have to pay a penalty of {$500.00} plus late fees for a situation about which I knew nothing. 

Please advise, Thank yiou
Product: Debt collection

The company, Alliant Captial Management LLC, who's owner is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Have been calling me from the number ( XXXX ) XXXX-XXXX for the past two months asking me to pay a debt to a XXXX account I never had. When I try to explain I never had a XXXX account they call me a lair and threaten to have a lawyer sue me. I asked for a supervisor and was hung up on several times. Finally, a person claiming to be a supervisor told me the calls would stop. Yesterday, they started again using the same tactics, calling me a liar and saying their lawyer will " take action '' I asked for a supervisor and was mocked by the person on the phone who kept repeating the same words over and over like a robot. Saying " what is your date of birth '' over a dozen times. It was very strange. Apparently, this company has had many many complaints lodged against it. I am also filing a complaint with the Florida Attorney General to ask that they cancel their license to do business in Florida. They are violating the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax have my wrong date of birth. They are seemingly refusing to change it, in an act of gross laziness. I have twice faxed in my state ID to correct it. Each time I was assured it would be corrected within 48 hours. It was not, either time. I have contacted the XXXX  social media team, called 5 times, and faxed in my state ID twice.

To give an example of how frustrating it is to call, today I called once, and was told everything was down and they couldn't check anything, call back later. Then I called again later today and this time I was told it would take up to 30 days to correct. That's absolutely unacceptable. This error is making it difficult to apply for certain bank accounts and cards online. I was unable to open an XXXX account with a {$350.00} bonus because XXXX checked with Equifax and was unable to verify me due to Equifax 's incorrect information.

XXXX and XXXX   have the right DoB I believe.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Inquired on XX/XX/2022.
Product: Checking or savings account

My paycheck deposit was supposed to come from capital one XXXX on XX/XX/scrub>XXXX  and I have bills do specifically auto payments set up for my utilities capital one has not gotten back to me or responded to any of my complaints.
Product: Credit reporting

I had a XXXX credit card that was paid in full on XX/XX/XXXX and closed on XX/XX/XXXX, over 10 years ago, and I want this account removed from my credit report since it 's been closed for over 10 years as this is my consumer right under the Fair Credit Reporting Act ( FCRA ). The account has always been in good standing and never had any negative or derogatory information. 

I initiated an Equifax online dispute in XX/XX/XXXX ( dispute confirmation # XXXX ) to have this account removed and the investigation process did not remove the account. Instead, Equifax 's investigation team only changed the " date reported '' from XX/XX/XXXX to XX/XX/XXXX. I understand that as of XX/XX/XXXX, this amount of time places the account at an age of 9 years, 5 months, but there 's nothing wrong with asking Equifax. 

I initiated another dispute on XX/XX/XXXX on the phone with a supervisor, dispute confirmation # XXXX. I carefully explained that I wanted the account removed since it has been closed for over 10 years. During my conversation with the supervisor, she told me that the XXXX closed account will stay on my report for another 10 years ( until year XXXX ) all because I am requesting another investigation. I stated that a dispute date should not determine how long an account remains on a credit report and that XXXX and XXXX had already removed the closed XXXX account after the 10 year anniversary of the account closing date. The XX/XX/XXXX dispute was completed on XX/XX/XXXX and the XXXX account remains on my Equifax credit report. 

Equifax 's practice of making a closed account remain on a credit report for over 10 years and then making it stay for another 10 years is unacceptable, promotes unfairness and inaccuracies. 

I mailed Equifax Information Services LLC in XXXX, Georgia a letter on XX/XX/XXXX informing them of reporting their misbehaved practice to the Consumer Financial Protection Bureau. 

On XX/XX/XXXX, I called Equifax again, spoke with a representative and questioned why the account has to remain on my report. The representative stated that I will have to contact XXXX and request XXXX to have the 10 year old closed account taken off my report. I explained to the representative that a customer should not have to contact a creditor from over 10 years ago just to honor my request.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding inquiries on my credit report that your agency has failed to address and remove. 

Please see attached letters and documents.
Product: Credit reporting

Information was removed and then put back on as a collection account. I paid the account in full
Product: Bank account or service

I had an issue with my XXXX XXXX XXXX checking account a while back my card was stolen and used and I was blamed for it leaving me owing the bank XXXX I argued but lost and eventually paid off the XXXX ( do n't have recipt ) to have my account in good standing same for my XXXX account I owed {$38.00} due to over draft fee 's but recently paid it off ( have receipt ), however when I when to open a checking account at XXXX XXXX I was unable to do so due to my Chex Systems report saying that I still owe this money both banks but they were both in fact paid in full. I was told that sometimes Chex systems fails to updated, so I am just hoping to have my reports brought up to date.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to request an update to the information on my credit report in accordance with the provisions outlined in 15 USC Code 6802. As per my understanding of the law, specifically under 15 USC 1681b, it is prohibited to report information on my credit report, such as addresses, where I can not legally receive mail. 

The current address listed on my credit report is not a location where I can receive mail, and it does not accurately reflect my current residential address. Therefore, I kindly request that only my current address be retained and listed on my credit report. 

I understand the importance of accurate credit reporting and its impact on various financial transactions. Ensuring that my credit report contains only accurate and up-to-date information is crucial for maintaining the integrity of the credit reporting system. 

Please take the necessary steps to update my credit report with the correct address information at your earliest convenience. If any further documentation or verification is required to process this request, please do not hesitate to contact me. 

Thank you for your attention to this matter. I look forward to receiving confirmation once the necessary updates have been made to my credit report