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

On several different occasions I have question the validity of an account that appears on both my Experian and XXXX report. The most recent request dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.  The company has failed to provide any information to substantiate the account. The Credit agency is reporting incorrect false information that is effecting my ability to receive credit.This Account with XXXX XXXX was disputed from XXXX 2 yrs ago and found to be invalid. I have since requested multiple times for the other Reporting agencies to follow suit and remove the item as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Consumer Relations continues to report inaccurate information on my credit file, Account # XXXX XXXX XXXXXXXX, The Statue of Limitations has expired on this account and must be removed from my credit file immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Equifax has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status positive and update the late from reporting on this account. 

XXXX XXXX XXXX XXXX
Product: Credit card

CapitalOne credit card is still charging excessive late fees, although the legal market cap is {$8.00} per the Credit Card XXXX XXXX and Disclosure ( CARD ) Act passed earlier this year, in XXXX. As a matter of fact, the late fee increased from {$29.00}, which is the late fee I was charged in XXXX, to {$40.00}, the late charge I received in XXXX. I called and spoke with a customer service representative today and asked to be transferred to a supervisor when she couldn't assist me herself. I was transferred to XXXX XXXX  XXXX XXXX XXXX ID XXXX. XXXX, who stated she was familiar with CARD, but that it had not yet gone into effect with CapitalOne. I asked if I could file a formal dispute with CapitalOne, but they do not have a formal dispute process. I expressed to her that I would file a complaint with the CFPB as well as the FTC, if need be. I would like to request the late fees I incurred to be dropped to the legal limit of {$8.00}. I have attached my statements showing the excessive late fees and the dates they were charged.
Product: Debt collection

This is so annoying & frustrating. Ive sent TRANSUNION multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To the best of my knowledge these remaining medical debts were co-pays that should have either been covered by my secondary XXXX insurance or covered by XXXX who assists the indigent with remaining medical debts from the hospital bills. 

I spoke to the Choice Recovery collection group on several occasions by phone indicating the above and was either hung up on or told they will call me back in a week or so. It is discriminatory and harassing for the result to be derogatory marks on my Credit Bureau Report as I had communicated the appropriate resolve only for it to fall onto XXXX ears.
Product: Credit reporting or other personal consumer reports

Its been over 30 days and the creditor has not updated the information nor have they provided proof or documentation in regards to late payments they have not supplied this information and they must delete alleged late payment from credit report under federal law they had 30 days to complete investigation and by failing to do so the item must be deleted as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX : XXXX Experian : XXXX, XXXX  : XXXX   2.XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX   3.XXXX XXXX XXXX : XXXX, Experian : XXXX, XXXX : XXXX   4. XXXX XXXX XXXX XXXX XXXX  : XXXX 5. XXXX XXXX XXXX : XXXX, Experian : XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

This letter is to inform your company that I want to dispute the items on my credit profile. Did you see that XXXX was sued by the CFPB for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that your XXXX is notorious for telling consumers that they will not investigate accounts if you have previously investigated and now we see that they all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today!
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX CARD XXXX Balance Owed : {$810.00} ; XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX XXXX Owed : {$320.00} ; XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00}.
Product: Debt collection

Someone at phone number ( XXXX ) XXXX calls every day saying they are from HSBC and we owe an " umbrella line of credit '' for thousands of dollars. We have never heard of this and do not owe any money. They threatened court action, actually saying there was a judgment against us. Told me I will " regret it '' if I don't pay today. I googled the number and it's almost word for word what they're trying to scam people for.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report. Upon reviewing my report on XX/XX/XXXX, I noticed that certain accounts contain incomplete and incorrect information. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. However, the following accounts are reporting incorrect information : Account Name : XXXX Closed on XXXX XXXX Account Name : XXXX Closed on XX/XX/XXXX Account Name : XXXX Closed on XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Closed on XXXX XXXX Account Name : XXXX XXXX  Closed on XXXX XXXX Account Name : XXXX XXXX Closed on XXXX XXXX The specific inaccuracies include : Incorrect open date Incorrect date of last activity Incorrect date of last payment Enclosed are copies of relevant documents supporting my dispute. I appreciate your prompt attention to this matter and look forward to your response.
Product: Debt collection

I received yet another notice from Convergent saying I owe over {$1600.00} to XXXX network. I received XXXX the day before saying the same thing about XXXX. I have the following issues. 

1. I called Convergent today to see what they could tell me, which was absolutely nothing. I asked for details, and the phone was conveniently disconnected. I called back, and was on hold for over an hour, and still did not get anything. 

2. This debt was not me. They did n't even spell my name correctly. 

3. The notice had no option to verify debt, and when I asked them to, they wanted my social security number, which I 'm not going to voluntarily give without some form of verification of debt. 

4.This debt is waaayyyy past the statue of limitations to collect a debt in Michigan, which is 6 years. Considering I 've lived out of state for the past XXXX, nobody has a right to even try to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX in XXXX of 2020. All of my creditors except for 3 are still sending me bills and reporting to the credit bureau that I owe them money and these creditors were included in the Chapter XXXX when I filed Those creditors are Best Buy, Macy ; s and XXXX XXXX XXXX. They told me they closed the account, but after the Chapter XXXX was discharged they started sending me bills like it was never filed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry on my credit report that is being reported by CB INDIGO/CCI . This late payments are inaccurate, and I request their immediate removal under my rights granted by the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

Basis for Dispute : Violation of 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act requires that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If the furnisher can not verify the accuracy of the reporting, these late payments must be removed. 

Violation of 15 U.S.C. 6801 The Gramm-Leach-Bliley Act ( GLBA ) mandates that financial institutions ensure the security, confidentiality, and accuracy of consumer financial data. I have reason to believe that my data may not have been handled with the necessary diligence. 

Violation of 15 U.S.C. 1692c ( c ) The Fair Debt Collection Practices Act ( FDCPA ) establishes that consumers have the right to dispute and request validation of any alleged debt. I demand validation of these late payments, including a copy of original payment history and proof that I was properly notified per the terms of my agreement. 

Violation of 15 U.S.C. 6802 Under the GLBA, financial institutions must provide clear notice to consumers regarding how their data is being used and must ensure proper security. If there were any miscommunications or errors in reporting, these late payments must be deleted as they were not properly disclosed or verified.

Request for Immediate Action : Please provide full validation and evidence of these late payments within 30 days. This includes a signed contract proving I agreed to the terms, payment ledger documentation, and proof of notice before reporting derogatory marks. 
If the information can not be fully verified, I request that all XXXX late payment entries be permanently removed from my credit report across all bureaus ( XXXX, XXXX, and XXXX ). 
I request confirmation of this correction in writing. 
Failure to comply with this request may result in a formal complaint to the Federal Trade Commission ( FTC ) and possible legal action. I appreciate your prompt attention to this matter. 

Sincerely, -XXXX
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : 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

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim oXXXX XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

On or about XX/XX/2023 I received a notificaton from XXXX XXXX that a company called ARS  XXXX XXXX XXXX XXXXXXXX Tennessee XXXXXXXX had added a debt to my XXXX Credit Report in the amount of {$8300.00}. I immediately disputed this debt with the credit bureaus as I had no knowledge what it was for or about. 

XXXX credit reporting agency still added this debt to my account with no opportunity to dispute, resolve or even be notified of what the debt was, in researching i found the collect rent debt, I reached out to the previous rental company XXXX XXXX XXXX Tennessee for verification or clarity and received no reply. 

I sent a letter to ARS company as well requesting information on what this debt is and what for. No response to either letter I have sent twice Since XX/XX/2023. 

I have to date not received any communication about the debt, no validation, no requested contract between the company and myself. No form of verification or explanation of the debt whatsoever. No responses to letters to validate and verify or delete have been honored by ARS  Company ( Absolute Recovery Services ) or XXXX XXXX has been received by me or sent to me. 

The Consumer Credit Bureau XXXX being made aware of this refuses to remove the debt as well. XXXX has responded and advised they show no record of the debt. XXXX has yet to respond to my request. I would like this debt removed from my Consumer Credit Report as it is false and has already caused me the loss of a mortgage loan. 

This is not fair as a consumer for a debt collector to just add derogatory unfounded items to my report causing a detrimental blemish on my history. 

I want this removed or validated and a printout of charges is not a validation before that is sent i need a legal and binding agreement and proof of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Product: Credit reporting or other personal consumer reports

I am writing to report identity theft.

While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize : XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX Furthermore, I have discovered unauthorized inquiries that are fraudulent and I would like to have them deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience.

I request the immediate removal of these fraudulent accounts from my credit report.

Thank you for your prompt attention to this matter.

15 U.S. Code 1681c2 states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

Re : Previous CFPB complaint not investigated XXXX There is multiple instances of fraud throughout this finance contract. I have made multiple complaints for the issues that never have been addressed. I have yet to receive results of the investigation into the insurance fraud and late payment statuses being reported by multiple companies that furnish information for this account. This company is reporting under the alias of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Each time I request an investigation into an issue with one company they change their name and never update the original creditor on my reports. I am demanding that this account be removed immediately for the multiple violations of inaccuracy on my reports. I am demanding that they cease and desist with their collection actions until this issue is resolved. According to the CFPB they are to remove this fraudulent account from my report.
Product: Credit reporting or other personal consumer reports

I recently discovered a collection agency item from XXXX XXXX for {$240.00} on my Transunion and XXXX credit reports. This collection agency item is not mine and is the result of identity theft. There are also multiple hard inquires from XXXX XXXX XXXX XXXX XXXX on all my credit reports. These are inquires as a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX VIOLATED my rights. 

15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions