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

The information that has been report and posted to my credit, file by the credit bureaus, is not valid and not in compliance, per the Federal Fair Credit Reporting Act. YOUR COMPLAINT XXXX XXXX XXXX ( collection agency ) XXXX creditor ( XXXX XXXX ) I have no business transactions or any type of business relationship, with XXXX XXXX XXXX. I have no business dealings with this company and have never spoke with anyone, form this company. As for the original creditor ( XXXX XXXX ) I am not a member of their gym, I have never joined, the gym and there is no documentation or signed agreement, between my self and the company. This is not my account and it is showing on my credit account, wrongfully and illegally. XXXX ( Collection agency ) Has never contacted me regarding, this account and I have never done any business with this company. The original creditor is XXXX XXXX XXXX and I did visit the office. But, I did have insurance coverage. If there was a co pay due or any additional monies due, that wasn't covered by my insurance, I should have been given a bill, at the time of visit or at the very least, mailed out to me. I have never received any contact or bills forward to me. Therefore I had no knowledge of any outstanding monies. In addition, my insurance company, didn't notify me of me having a co pay of a portion of the bill that had to be covered my me. Therefore this debt is a error and if the debt is my portion of the bill, why wasn't I billed, so that the matter could be taken care of, in a timely fashion. There are guidelines in place, that require a notification period, before the medical debt can be place on the credit report. This was completely overlooked and not followed, as I have never received any notification, via phone, text, email or U.S. Postal service. XXXX   XXXX ( collection agency ) the original creditor is ( XXXX XXXX ) I have never had any contact or transacted any business with XXXX XXXX and the debt with XXXX XXXX, is not my account. I have lived at the same address for years and this cable bill does not belong to me. If some one has taken my personal information and opened a cable account, without my knowledge, I am not accountable for that account. XXXX XXXX doesn't have any documentation, where I have agreed to service or signed for service.
Product: Credit reporting or other personal consumer reports

All three credit bureaus and XXXX XXXX are reporting the balance at least {$1000.00} HIGHER than what is showed, PLUS it being OVER the limit. 

So far, XXXX and XXXX have maliciously and fraudulently ignoted my attempt to correct it. 

This is effecting BOTH XXXX XXXX and XXXX XXXX credit reports and scores. This is exceptionally bad due to the fact that we are immediately attempting to purchase a house. PLEASE urgently force them to fix this massive problem.
Product: Vehicle loan or lease

Lendbuzz Funding LLC has a open XX/XX/year> and last reported XX/XX/year> for a balance of {$9500.00} which I did not consent or authorized.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish my account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Commenity Bank has continued to report inaccurate information. 

15 U.S. Code 1681i
Product: Debt collection

Debt Collection Company, Contract Callers, filed a collection account onto my credit report for a {$850.00} utility bill. I do not not know who they are. They never contacted me in anyway prior to this. I also dont own a home or pay a utility bill so this is clearly not a bill I owe. I disputed it through the credit reporting agency XXXX and they did not take it off my report
Product: Student loan

On XX/XX/2019 payment was made by check to Discover Student Loans in the amount of XXXX, to satisfy all obligations. 
This amount is more than what was owed to Discover on that date. 
Discover has since that date issued dozens of false statements which fail to credit my account with the full proceeds of my remittance. 
Discover has falsely claimed that a portion of the loan is still outstanding despite having been informed of the foregoing on dozens of occasions. 
Discover has falsely claimed that the loan is outstanding despite having furnished me with statements on their letterhead which indicate that the loan is paid in full. 
Discover has harassed me for months to pay them moneys that are not owed and has libeled me by reporting that failure to pay them to credit agencies and falsely and deliberately adversely affecting my credit rating. 
Based on the documents supplied by Discover the loan was in fact OVERPAID on XX/XX/XXXX yet Discover refuses to render an accounting despite my demands on dozens of occasions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2024 Subject : Dispute of Inaccurate Account Information on My Credit Report Credit Breau I am writing to formally dispute inaccurate account information that is being reported on my credit report. Upon reviewing my credit file, I have identified discrepancies in the account information that do not reflect my financial history accurately. I request a thorough investigation into this matter and the prompt correction of any errors present on my credit report. 

Details of the Inaccurate Account : Creditor Name : Consumer cooperation credit union Account Number:XXXX  Inaccuracy : Its a car loan from XXXX XXXX XXXX and it do not belong to me and need to be removed immediately. This is causing punitive damage I want to emphasize that the information reported regarding the aforementioned account does not align with my financial records. This discrepancy is concerning as it may negatively impact my creditworthiness and financial opportunities. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request the following actions : Conduct a comprehensive investigation into the accuracy of the account information in question. 
Verify the legitimacy of the reported account and provide documented proof of its accuracy. 
If the information is found to be inaccurate, promptly correct the information on my credit report. 
I expect this matter to be handled with the utmost urgency and accuracy in compliance with the FCRA and other applicable laws and regulations. 

Please provide me with written confirmation of the results of your investigation and any actions taken to rectify the inaccuracies on my credit report. You may reach me at [ Your Phone Number ] or via email at [ Your Email Address ] if you require any further information or documentation regarding this matter. 

Thank you for your prompt attention to this dispute, and I anticipate a swift resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

Requested debt validation on XX/XX/2020 via certified mail. The collection agency signed for the letter on XX/XX/2020. 

A complete and timely debt validation has still not been received by me as of today 's date - XX/XX/2020. This is well past 45 days. By federal law the collection agency is supposed to provide debt validation within 30 days ( 45 days during this pandemic ). If they do not then the debt is to be removed from my credit report. 

My credit file has merged with another person of similar name. I have called the credit bureaus, and they admitted the error. They are in the process of removing inaccurate/merged information from my file. XXXX  has nearly completed it at this time. I am waiting on the other credit bureaus to complete the process. 

In the meantime, I am having difficulty with this collection agency. The debt they are attempting to collect is not mine. They have not validated it, and will not do anything to rectify the situation. 

I am a small business owner. I employee 9 people full time. I discovered this credit mess when I applied with the SBA for a disaster loan ( in XX/XX/2020 XXXX to save my business during this pandemic. I was denied for the SBA Loan based on my low credit score. 

My score is low due this collection agency and 3 others reporting inaccurate information on my credit report. The SBA will reconsider my loan request if I can get my credit score back up. 

I have followed all protocols under the FCRA to attempt to resolve this situation. The collection agency is not cooperating in any way at all. 

I have documented everything, and am prepared to initiate a lawsuit if necessary. My attorney will be involved should it come to this. THIS COLLECTION AGENCY IS IN CLEAR VIOLATION OF THE FCRA, AND ADDITIONAL STATE AND FEDERAL LAWS. 

I simply wish to resolve this matter so that I can keep my business running, and maintain my employees jobs and livelihood. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in XX/XX/1978, was designed to eliminate abusive, deceptive, and unfair debt collection practices. 

Act at 15 USC 1692e 807 False or Misleading Representations, which states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase is still reporting closed charged-off accounts from Bankruptcy.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
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. It has been a battle going through this and I am submitting this complaint to delete the fraudulent account in my file that is reporting on Experian Credit Bureau. I am avictim of identity theft and did not make the charge or the account. I ask that the account be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commission'sIdentityTheft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide with the exact sourcewhere you received such information, so I may take appropriate legal action
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report inaccurate information on my consumer report. My name is XXXX XXXX my address is po box XXXX XXXX XXXX, MI XXXX there should be no other names or address listed on my consumer report. You do not have authority or permission to report any other information other than whats above. My employer is The XXXX Company and thats the only employment that should be listed.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, this complaint us not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company without my authorization from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services or money ; and was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and under 15 U.S. Code 1681b Permissible Purposes of consumer reports I never gave any written consent to report anything on my consumer report. No consent is FAUD. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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  : {$17000.00}
Product: Credit reporting or other personal consumer reports

A charge-off was reported at the beginning of 2020. The balance of said charge-off is reporting as current and has increased my credit card utilization in clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I received the results from XXXX credit reporting agency that confirms from there re-investigation into a dispute I had about 2 things on my credit report. There re-investigation shows that these 2 accounts were deleted off my credit report and are not reporting anymore. However experian and XXXX  are still reporting these 2 accounts that do not belong reporting. Obviously XXXX has done the re-investigation as the problem has been corrected.i an complaining about experian and XXXX because they should have received the same response as XXXX  did. The company would not tell XXXX to delete them and for experian and XXXX   to keep them. The answer is the same across the board.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX 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 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. 

XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 

This is XXXX, XXXX, XXXX, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
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. 
XXXX  XXXX Bankruptcy : # XXXX, XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Debt collection

The last representative from MOHELA that I spoke with was on XX/XX/XXXX. She was very kind and informed me on the recorded call that the total debt I owe is {$4400.00}. However, on my credit reports, MOHELA states I owe {$9200.00}. I experienced this issue last year, XXXX, and the student loan servicer XXXX removed the debt because it was paid in full. Please see the attached receipts. To add, the Department of Education and XXXX also states this debt is paid in full with a XXXX balance. After the phone conversation today with the kind MOHELA representative, I believe this company has no idea how to approach this situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> T o ; XXXX subject ; Request for removal of unverifiable account Dear credit reporting Department , I am writing to formally request the removal of an account from my credit report as reported by XXXX. this request is based on the recent deletion of an account by XXXX, one of the four major reporting agencies. I recently disputed a charge -off for {$850.00} from XXXXXXXX XXXX XXXX 
{$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00XXXX XXXX XXXX, Listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of 12 18 2024 According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C 1681 ), All consumer reporting agencies must ensure that information in Consumer Reports is accurate, fair, and verifiable.

Since innovis has removed this account after it's verification process, I request that you do the same and remove the unverifiable account from my credit report. 
Supporting consumer Laws : FCRA section 611 ( 15 U.S.C 1681i ) Requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA section 623 ( 15 U.S.C 1681s-2 ), Information suppliers must report all complete and accurate information. with XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of the receipt of this request. if the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) And seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), Including section 616 ( 15 U.S.C 1681n ), Which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) For negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit reports integrity. please notify me in writing once this deletion has been processed. thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have attached a redacted police report ( eliminating photos and text because of the size of the file exceeding 10mg ). I am asking the government to please review the information, and if needed, I can provided an original company via mail of the complete police report conducted by XXXX Police Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
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 USC 1681. 

Account name : Account # XXXX XXXX XXXXXXXX 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 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.