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

I submitted a letter via certified mail to Equifax on XXXX regarding two accounts that are reporting incorrectly. I received a response that the account was " verified '' but needless to say they did not correct the information that is a violation of FCRA regulations. 

Please see attached documents - I've included- My letter sent to Equifax XXXX Equifax 's response as verified, and a copy of my credit report for both accounts with the FCRA Violations highlighted. 

These accounts are both collections accounts, Per FCRA guidelines they can not report a collection account from a debt buyer as an " open Account '', nor can they report a " past due balance '' On the XXXX account- Reporting violations that need to be removed - Account type : " Open account ''. Past due- This is showing a balance and should be {$0.00}, Payment Status- reporting " late 120 days '' - remove this a collection can not be 120 days late. 

On the XXXX account- Reporting violations that need to be removed- Account type- Reporting " OPEN ACCOUNT " Past due - remove the balance it Should be reporting {$0.00} Payment Status- reporting " Late 120 days '' Remove this a collection can not report 120 days late. As you can see open the credit report they decided to add a RECENT 120 days late in XXXX XXXX  XXXX this is blatant carelessness and this account needs to be removed!
Product: Credit card or prepaid card

Hello, As recently as this past fall, my credit score was around XXXX. Then, beginning last month, Synchrony Bank began to lower my credit limits on some credit cards and even closed one account I had with XXXX XXXX. I have absolutely no idea what caused this action! I have never been late on any of my accounts, and my overall credit usage was between 25 % -30 %. Within the last 3-4 weeks my credit limit has been lowered on several of my accounts. My XXXX XXXX account credit account limit was lowered from {$4500.00} to {$250.00}!!! I opened that account, but have never even used that card. 
With these credit limits being lowered, the adverse affect is that the credit bureaus now see my credit usage go up from around 30 % all the way up into the 90 percentile! This is just wrong and extremely unfair! One letter I saw said that I had too many new accounts, but that's total XXXX  because I had many new accounts opened when Synchrony opened these accounts in question. In fact, THEY opened some of these accounts themselves! I tried to reach out to them, but getting in touch with the right person or right department is too difficult ; most likely by design! I am retired and living on a fixed income. I don't have to tell you how important it is to maintain good credit. But when an unfair practice such as this is allowed to happen, people like myself have absolutely no recourse to counter with! I can get angry and voluntarily close these accounts, but again, this will have an adverse affect on my credit reports and credit scores. I'm left to deal with whatever is handed to me with no way to fight back and get this undone! Do you understand how embarrassing it is to have a credit card declined when you're at the cash register because the reduction in credit limit was put into effect before I even received notice about it?? 
What's really crazy about this situation is that first, I'm told that I don't have enough credit accounts open to allow lenders/creditors to gauge what kind of risk I am. So, fine ; I open a few more accounts to help resolve that issue, and now I'm being penalized for that!!! I need your help!! All people like me need your help! Thank you very much!!!!
Product: Credit card

I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
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 they violated my rights. 
Please delete the following items : 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.
Product: Payday loan, title loan, or personal loan

Dates on my report do not make sense. The dates of payments are not true. All 3 bureaus are reporting different information. I also had gap Insurance.it paid The remainder Off. I disputed and it came back unchanged. received a credit account for the {$30000.00} from Ally. My reports say it was a loan. It was not a loan. That is not a true representation of the true agreement. 
The collection creditor constantly calls and sends letters I never agreed upon. Especially because Gap insurance payed balance. 


Ally financial XXXX
Product: Debt collection

On Wednesday,  XXXX   XXXX  at approximately  XXXX , I received a phone call from a gentleman claiming to be from  XXXX   XXXX   XXXX  stating that they had a summons that they needed to serve me for a lawsuit and asking the best way to reach me at my job. I explained that I was not aware of any pending lawsuit and that if I am to be served the police would know that process. He then explained that he could give me the information from the attorney for the plaintiff and I could contact them to possible place a hold on being served at my workplace and the embarrassment that would come f rom that. He stated that this " servicing '' was to go out soon so they would only be able to hold it for 24 h ours while I contacted the company. I took the information for a  Richard J. Boudreau & Assoicates, LLC., a p hone number of  XXXX  and a case number of  XXXX .   I contacted this law firm and spoke with a  XXXX   XXXX . He stated that there was a case brought against me for breach of contract and check fraud and another claim i can not recall from their client. I asked who the client was that I owed money to. He stated that the original creditor is a company called "   XXXX   XXXX   XXXX   '' and I entered into contract with them in  XXXX  of  2014 . I stated that I didnt recall and asked for additional information in regards to this case and asked if this   XXXX   XXXX   XXXX   company was their client. He stated he didnt have any additional information but that I could contact them and he would tell their legal department to place a hold on my case fo r 24  hours. The following day, they contacted on my work phone and spoke with an associate of mine and told her that myself or my attorney needs to return their call. I returned the call, asking for  XXXX   XXXX  and let him know I would be recording our phone call. At that point, I asked if I could receive the spelling of his firm and address. He then became extremely aggressive and began yelling at me refusing to answer any of my questions. This went on for a while until he hung up on me. I again called and asked for the address and correct spelling of this firm. Again, he became angry and aggressive and yelled at me. I looked through my personal voicemail log and heard a number of messages where this company never informed me that they were attempting to collect a debt but that they had a legal matter they needed to discuss with me. I want them to stop contacting me at my workplace and provide the proof of debt and information I requested.
Product: Money transfer, virtual currency, or money service

Cash app during data breach was authorized to grant funding due to data breach settlement They opted to steal information and profiles of millions
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with CAINE WEINER company I believe the original creditor XXXX  sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Debt collection

Convergent is in violation of 15 U.S. Code 1692e for false or misleading representation. Was told by a Convergent agent that I was paying for a delete upon paying agreed amount. Was told that account would be removed from my credit profile within 30 days. Account still reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a oral agreement nor a contract with XXXX XXXX, this account is a charge off, the orginal creditor should no longer be reporting a balance on my credit report. Both the original creditor XXXX XXXX and debt collector XXXX XXXX are showing a balance and that is considered inaccurate reporting and a violation of my consumer rights. I have disputed this accounts multiple times with both Experian and XXXX due to many inaccuracies and all they did was update the violations and claimed that this account was verified without proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS 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 REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

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

EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS PURSUANT TO SECTION 609 PURSUANT TO THE FAIR CREDIT REPORTING ACT
Product: Credit reporting or other personal consumer reports

IMPROPER, INACCURATE, FALSELY REPORTING DEROGATORY 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 I DEMAND THAT THESE DEROGATORY ITEMS ABOVE MENTIONED BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. I AM A VICTIM FROM XXXX, EXPERIAN, XXXX CREDIT BUREAU
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) - 1002.142 ( b ) ( 7 ). l have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identitication as well as the intormation requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Late Payment Reporting Request for Removal Dear [ Credit Bureau Name ] Dispute Department, I am writing to formally dispute the inaccurate late payment notations on my credit report for my XXXX XXXX  XXXX  account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These late payments were reported in error, and I am requesting their immediate removal from my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Basis for Dispute 1. Violation of FCRA 1681s-2 ( a ) Duty of Furnishers to Report Accurate Information Throughout the disputed period, I was in continuous communication with a XXXX XXXX  XXXX representative XXXX who assured me that I would not be subjected to late charges or negative reporting as long as I continued making payments. 
I made partial payments during this time and have since brought my account completely current.

2. Violation of FCRA 1681e ( b ) Obligation to Ensure Maximum Accuracy Despite verbal assurances from XXXX XXXX XXXX, the account was incorrectly reported as late, causing a severe drop in my XXXX XXXX from XXXX to the XXXX. 
This inaccuracy does not reflect my actual payment history and must be corrected.

3. Violation of FCRA 1681i My Right to Dispute Inaccurate Information I am formally disputing these late payments as they are misleading and unfairly damaging my credit profile.

As a consumer, I have the right to ensure that only accurate and verifiable information appears on my credit file.

Requested Resolution I formally request the following actions : 1. A thorough reinvestigation and immediate removal of the late payment entries for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit file. 

2. Notification to XXXX XXXX XXXX that these late payments have been disputed and must be corrected. 

3. A written response confirming the updated status of my credit report. 

As required by law, you have 30 days to complete this reinvestigation. If these inaccuracies are not corrected, I will escalate my dispute by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I reserve the right to pursue legal remedies under FCRA 1681n and 1681o for damages caused by this inaccurate reporting.

Please send confirmation of the removal to my address above. Thank you for your prompt attention to this matter. 

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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$670.00} XXXX XXXXXXXX XXXX Balance : {$830.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1200.00} XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2017 Court : US Bankruptcy Court XXXX CA Reference # XXXX was reported to a Credit Reporting Agency without my knowledge or permission. I have requested for this information to be removed for several years now with no resolution.

In accordance with the Fair Credit Reporting Act my rights were violated.

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

15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Credit Information - Account : XXXX Dear Credit Bureau, I am writing to formally dispute the inaccurate, unverifiable, and incomplete information that appears on my credit report from your agency. The account in question is listed below with its associated details : XXXX Account Information Account Number : XXXX ( TransUnion ), XXXX ( XXXX ), XXXX ( XXXX ) High Balance : {$4000.00} ( TransUnion ), {$0.00} ( XXXX ), {$2400.00} ( XXXX ) Last Verified : XX/XX/XXXX ( TransUnion ) Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( all three ) Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX, XXXX ) Balance Owed : {$4000.00} ( all three ) Closed Date : XX/XX/XXXX ( TransUnion ) Account Rating : Derogatory ( all three ) Account Description : Individual ( all three ) Dispute Status : Account not disputed ( TransUnion, XXXX ), Account disputed ( XXXX ) Creditor Type : Miscellaneous Banks ( TransUnion ), Bank Credit Cards XXXX XXXX XXXX, All Banks ( XXXX ) Account Status : Closed ( all three ) Payment Status : Collection/Chargeoff ( all three ) Creditor Remarks : Charged off as bad debt ( TransUnion ), Subscriber reports dispute resolved - consumer disagrees ( XXXX ), Consumer disputes after resolution ( XXXX ) Payment Amount : {$0.00} ( all three ) Last Payment : XX/XX/XXXX ( TransUnion, XXXX ), XX/XX/XXXX ( XXXX ) Term Length : XXXX ( all three ) Past Due Amount : {$4000.00} ( all three ) Account Type : Credit Card ( TransUnion, XXXX ), -- ( XXXX ) Payment Frequency : XXXX ( all three ) Credit Limit : {$2500.00} ( all three ) Discrepancies and Inaccuracies There are numerous discrepancies and inaccuracies within the information reported by each bureau : 1. High Balance : Different amounts reported by TransUnion ( {$4000.00} ), XXXX ( {$0.00} ), and XXXX ( {$2400.00} ). 
2. Date of Last Activity : Different dates reported by TransUnion ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 
XXXX. Creditor Remarks : Different comments regarding dispute resolutions and charge-off statuses. 
XXXX. Account Status and Payment History : Inconsistent reporting of derogatory status and charge-off payments across all three reports. 


Request for Investigation and Deletion Given these discrepancies and the inaccurate, unverifiable, and incomplete nature of the information, I request a thorough investigation into this account. If the information can not be verified, please delete this account from my credit report immediately. 
Enclosed are copies of my credit reports from TransUnion, XXXX, and XXXX, highlighting the relevant portions. Also included are copies of my identification and any additional documents you may require for verification. 
Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Bank of America ruled against me in a credit card dispute. On XXXX I received a letter stating that Bank of America will report me to the credit rating agencies. As per the FTC they can only report me in case of refusal of payment. However, I already paid in full on XXXX. Bank of America appears to be in violation of federal law by reporting me. I am unable to reach Bank of America for resolution and/or explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have conducted several Experian disputes and my account is not reporting correctly. I have submitted my statements from XXXX XXXX and XXXX has even tried to correct the reporting. My current dispute is Report Number XXXX. 

All that has happened is a 60 day late has been reported more recently. My account is closed and current and I have submitted proof. I have even submitted correspondence from XXXX XXXX agents. I uploaded information again this morning to correct the error that is listed and I received an email stating the results are available within 2 hours of disputing. The email instructed me to call an agent ( Experian Dispute Specialist ) at XXXX between the hours of XXXX XXXX XXXX XXXX for assistance because the results were not yet available online. 

The first customer service agent went to investigate my claim and returned stating that he had a bad signal and could not hear me, so he would terminate the call. The second that I spoke with went to investigate and came back stating when they receive information they would dispute, so I tried to explain that I uploaded it to which he responded very rudely speaking over me and hung up in my face. 

This has been a very stressful ordeal and I have not been treated fairly as a consumer who is only trying to have accurate credit reporting. Experian is reporting a 60 day late payment for XX/XX/2022, which is incorrect. They have previously reported XX/XX/2022 as 60 days late and that is incorrect, also. It was paid on time and paypal credit can verify this.
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. 
The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy this account from their records due to an identified error. I am perplexed as to how you have verified this account while the other bureaus have updated it. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 
Specifically, I wish to dispute this account : XXXX XXXX XXXX XXXX.