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

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information Dear Sir/Madam , I am writing to dispute inaccurate information listed on my credit report provided by Experian. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX XXXX # XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Based on the provided image of the credit report for the XXXX  XXXX account across XXXX , Experian, and XXXX , here are the key details to compare and potential inaccuracies to consider disputing : Date Opened : XXXX XXXX XX/XX/XXXX. Matches Experian but not XXXX. 
High Credit : XXXX : {$5300.00}. Different from both XXXX {$6700.00} and Experian {$0.00}. 
Credit Limit : XXXX : {$0.00}. Matches Experian, but not XXXX {$4700.00}. 
Last Reported : XXXX : XX/XX/XXXX Different from XXXX and Experian, both of which report XX/XX/XXXX. 
Comments : XXXX : Charged off account. Accounts closed by credit grantor. Different resolution description compared to XXXX Charged off as bad debt. Dispute resolved ; reported by grantor. and Experian Account was in dispute- now resolved - reported by subscriber. 
Date Last Active : XXXX : XX/XX/XXXX. Much earlier than XXXX XX/XX/XXXX and Experian XX/XX/XXXX. 
Date of Last Payment : XXXX : XX/XX/XXXX. Earlier than both XXXX and Experian, which report XX/XX/XXXX. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including documents/evidence supporting the claim, such as billing statements, payment records, or correspondence with creditors. 

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report. 

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

I am also including a copy of my dispute to the organizations below. 

CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Attorney Generals Office CC : State Senate CC : Federal Trade Commission CC : State Regulatory Agency Thanks For your Cooperation.
Product: Debt collection

please see two attached letters. i can't get them to Equifax, XXXX  and XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX, I purchased a XXXX flight via XXXX 's Rewards program with my XXXX points at a value of roughly {$270.00}. I needed to cancel this flight, and I was told by XXXX Customer Service that the value would remain as a flight credit with XXXX, and that I could simply check the Rewards portal for the flight info for reference when I wanted to rebook. 

When going to reference that info this past XXXX XXXX, XXXX, I've found that NONE of my previous flight information is in this portal, despite having taken several other flights over the past year via this program. When attempting to work with XXXX Customer Service, I was informed that they do not have ANY records of me having taken previous flights. I asked if this was a system error, and informed them I've taken many flights with them in the past year, but they were unable to provide an answer. After messaging their Customer Service team again and asking what else can be done, they have confirmed that unless I have the exact reservation number, which should be available for reference in my account but is not, there is nothing else they can do. At this point I am now out that {$270.00} in points, along with hours of my time and a lot of frustration. 

XXXX XXXX XXXX XXXX XXXX has essentially failed to retain critical financial records pertaining to my account, and is unable to retrieve them. 

Attached : - Message conversation with Chase - Screenshot of both credit card accounts showing " No previous flights found '' - Email receipts showing that I have, in fact, taken flights with them in the timeframe they say I haven't
Product: Debt collection

After being sent to a private hospital by the XXXX XXXX for major XXXX XXXX, a small portion {$1400.00} of the {$140000.00} bill has been an issue between the VA and the XXXX. As a XXXX Veteran, I am 100 % covered and not financially responsible. 

This debt has been passed from another harassing debt collector to yours after the VA has already make effort to clear this up and has spoken to your representative about the issue and was assured I would NOT be harassed over this debt any longer by your company. 
Then I get another harassing call. 

Please, I'm dealing with enough mental health and XXXX XXXX XXXX issues as it is. Having a bill collector harassing me has been a real trigger during this holiday. Please STOP. Please? 

{$1400.00}? Go after the VA, or someone else. I've given enough for our country. I certainly can't afford any more... 
Please?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair act XXXX Account number XXXX and XXXX, the 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: Debt collection

On XXXX XXXX, XXXX I was contacted by Allied Collection Service regarding a debt with no explanation of what it was for so I disputed the debt right away through certified mail. It is my belief that they never notified the credit bureau 's of my dispute. On XXXX XXXX, XXXX Allied BUSINESS ServiceS contacted me again claiming to validate the debt. Allied COLLECTION GROUP waited until XXXX to report the account to the XXXX major credit bureaus. Upon learning of their false and erroneous reporting I disputed the debt directly with XXXX on XXXX XXXX, XXXX. After waiting 16 days I decided to call and let them know of my intention to sue for violations of the FDCPA, the FCRA and my legally protected interests. That day, XXXX XXXX, XXXX they removed their false and erroneous report. On XXXX XXXX, XXXX Allied Business Services sent me a letter stating they had removed all negative marks on my credit report. On or about XXXX XXXX, XXXX I had applied for a car refinance and was given a higher percentage rate due to their negligence. This has caused me much harm in the form of emotional distress, defamation of character and among other things. They also violated the FCRA and the FDCPA many times over including using XXXX different business names to deceive me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit an urgent complaint against the credit bureaus, specifically XXXX, EXPERIAN for their persistent failure to conduct due diligence in properly investigating a negative collection item XXXX XXXX XXXX  # XXXX on my credit report. Despite my continuous efforts to dispute the inaccuracies and their impact on my creditworthiness, the credit bureaus have neglected their obligations under the Fair Credit Reporting Act ( FCRA ) and have caused significant financial and emotional distress. 

I initially raised my concerns and initiated the dispute process with the credit bureaus over a year ago, providing detailed explanations and supporting documentation regarding the inaccuracies in the negative collection item. However, despite numerous attempts to rectify the situation, the credit bureaus have continually failed to conduct a proper investigation and provide the necessary documents to address the matter adequately. 

This extended and unresolved dispute process has had severe financial and emotional repercussions for me. Due to the credit bureaus ' inaction, my creditworthiness has been unjustly impacted, resulting in denied credit opportunities, higher interest rates, and limited financial options. Moreover, the prolonged dispute resolution process has caused significant stress, anxiety, and frustration, as I continue to face the consequences of the credit bureaus ' failure to fulfill their legal obligations. 

I firmly believe that the credit bureaus ' persistent non-compliance with the FCRA has directly violated my federally protected rights. Specifically, they have breached the following provisions of the FCRA :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX # XXXX, Account Name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX , Account name : XXXX # XXXX, Account name : 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 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 or 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

To whom it may concern, The reason for this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered inquiry that I have no knowledge of and I do not recognize at all because I did not apply for credit with JPMCB CARD, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into JPMCB CARD inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if JPMCB CARD is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter The following inquiry must be removed immediately : 1.- Creditor Name : JPMCB CARD Date : XXXXXXXX XXXX XXXX
Product: Credit card

On XXXX XXXX 2015 a representative from MICHAEL J SCOTT PC came to our house to serve us paperwork, first of all my neighbor saw them outside my home taking pictures of our house and automobiles!! this company has not contacted us to arrange any type of repayment plan to solve this situation, we are not saying that we dont owe the debt!! but its not what they are saying we owe, we havent received anything in the mail from them regarding the debt from XXXX XXXX, XXXX!! we are willing to pay the charges that we acrrued but not the balance they say we owe.If they can send us something in the mail in regards to repaying what we acrrued So that we can work toward getting this matter taken care of we would appreciate it.
Product: Debt collection

I am writing to dispute inaccurate information appearing on my credit report. According to the information provided by [ Credit Bureau Name ], there is an account listed under the account number XXXX with the following details : Account Type : INSTALLMENT - Unsecured Loan Date Opened : XX/XX/XXXX Account Status : Closed Payment Status : Paid, was past due 90 days Last Reported : XX/XX/XXXX Date Last Active : XXXX am disputing this account based on the following grounds : The account status is listed as " Closed, '' indicating that the account is no longer active. However, the reported date last active is XX/XX/XXXX, which contradicts the closed status.The payment status indicates that the account was " XXXX, was past due 90 days. '' However, there is no record of any late payments in the provided two-year payment history. This discrepancy raises questions about the accuracy of the reported payment status. [ Include any additional inaccuracies or discrepancies you have identified in the account information. ] I request a thorough investigation into this matter to verify the accuracy of the account information. If it is found to be inaccurate, misleading, or unverifiable, I demand that it be promptly corrected or removed from my credit report.Please provide me with a written explanation of the results of your investigation and any actions taken within 30 days of receipt of this dispute letter, as required by law.Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.

15 U.S.C. 1681 Section 602 A, states that I have the right to privacy.

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

LVNV Funding, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX LVNV Funding LLC is reporting two accounts they can not validate I owe them money. They have failed to provide name and address of the alleged creditor, alleged debtor, alleged account number, address on file for the alleged debtor, the alleged debt amount, date alleged debt became payable, date of original charge off or delinquency. They have not advised if the debt was assigned to the LVNV Funding, LLC, or purchased. They have not provided the amount of debt was purchased. 

They are reporting to the three reporting agencies the accounts as recently opened when they have reported the two accounts for years.
Product: Credit reporting or other personal consumer reports

1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act. In general, this provision requires a furnisher to report the credit obligation or account as current during the COVID-19 pandemic, unless the account was delinquent before the accommodation. F ) Reporting information during the COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XX/XX/2019 ( COVID19 ) pandemic during the covered period.In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can furnish an account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with an Ongoing Error In Payment History Reporting with XXXX XXXX listed as XXXX XXXX XXXX XXXX XXXX on my XXXX and XXXX Credit Report. I have to file a complaint and contact this company almost every month regarding their errors. On my XXXX and XXXX Credit Reports, my account is showing an erroneous 30 Day Late Payment now in XX/XX/XXXX once again as of their last update as of XX/XX/XXXX. However, there were no late payments in XX/XX/XXXX at all. Prior to the company 's last update in XX/XX/XXXX the listing was showing correct with zero late payments listed at all. The error was resubmitted when they did their last update and added a 30 Day late payment in XX/XX/XXXX. As of XX/XX/XXXX when they attempted a force update to correct the error, they changed the 30 Day late payment from XX/XX/XXXXto XX/XX/XXXX on both XXXX and XXXX. Although they keep making these errors they insist on me sending them copies of the errors that they have made to my report which I have done although they have the ability to do a soft inquiry which does not affect my credit score to look at what they are reporting. I have spoken with numerous Customer Service Representatives, Managers, and Supervisors from this company. The last Supervisor that I spoke with was XXXX XXXX on XX/XX/XXXX requested me to forward the emails that I had originally sent to the company 's main email address of XXXX to his email of XXXX. I did and he advised that he would get the issue corrected. However, as of whatever he or a company representative did I am now showing an erroneous 30 Day Late Payment in XX/XX/XXXX as of their update on XX/XX/XXXX. I attempted to contact XXXX on the telephone number that he provided and it advised that the number could n't take calls. I then emailed him again on XX/XX/XXXX and have yet to receive any response. I am tired of dealing with this issue as it is negatively impacting me, my credit score, and credit reporting as the company has a duty and obligation to report accurate information an in every instance that I make them aware they are reporting an error they have acted as if it is not a big deal. This issue was also causing me to be denied for a credit limit increase but as of last month I finally received my first credit limit increase. I have notified the company of this error multiple times via email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Whenever the issue is corrected, they make the same error all over again and take me through the same process. I am in the process of purchasing a home which makes this worse and urgently need a permanent fix to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act these accounts have violated my consumer rights under 15 usc 1681. 
The listed accounts below have violated my consumer rights under 15 USC 1681. 

XXXX XXXX Account # : XXXX Amount ( s ) {$16000.00} {$25000.00} XXXX XXXX XXXX Acct # : XXXX & XXXX Amount ( s ) {$22000.00} {$22000.00} XXXX XXXX : Amount ( s ) {$100.00} {$240.00} {$300.00} {$240.00} 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX To whom it may concern : I RECENTLY received a copy of my CONSUMER REPORT and I noticed some late payments being posted on my CONSUMER 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 Your company is in CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES 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.

Did I GIVE ANY WRITTEN instructions to FURNISH THIS ( ACCOUNT ) on my CONSUMER REPORT! Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; NOW THE TERM PERSON defined by Congress means person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual.

Which is an INDIVIDUAL ( me ), and the person making the REPORT which is ( the company name ) So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.

Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 



Respectfully, XXXX XXXX