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

I was looking on my credit Report and I seen a company named Convergent Outsourcing which I never open a account with them nor did I give anyone permission to open this account in my name I first sent numerous letter and never got a respond back. I then called the company direct to find out why they are reporting on my credit report they said that they are reporting on the behalf of XXXX and that they had the wrong address and contact info for me and they mailed a fraud packet to the wrong address I then updated all my contact info and address with them. I received the fraud packet filled it out and sent it back to them over a month went by and they was still reporting on my credit report I then call them back and ask to speak to a manager I then talked to a gentlemen named XXXX or XXXX which he told me the hold up was with XXXX. so I then called XXXX directly and they blame Convergent outsourcing they then sent me to a website XXXX i went to the website and fill it out still nothing i then call back and ask to speak to the same manger and he told me they i was missing the police report and once i send that they would remove it I then sent them the police report and now they are saying the address is connected to a family member the address they have I never lived at I am so frustrated with this whole situation I was in the process to buy a house and this is hindering me I feel like I am getting the short end of the stick why should I pay a higher interest rate for something I did not do I would like this removed from my report.
Product: Debt collection

XXXX XXXX XXXX is listed on my credit report as a debt, they have not provided me with any information stating this debt belong to me, they have not verified any account info etc, I have never had any obligations towards this company, they do not state who they represent..no information at all provided to verify my identity that this debt is in fact owed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a report from a service that I subscribe to that my social security number had been compromised. I was advised to place a FREEZE on my credit information with the XXXX credit reporting agencies and the XXXX. This was a simple process with XXXX, XXXX, and the XXXX. But Experian keeps redirecting me to something they call a Credit Lock. This is a subscription service for {$24.00} a month. They refuse to allow me to place or manage a FREEZE online. I have to send them a certified letter requesting the freeze. And I assume I will have to do the same to manage the freeze. I am going to send the letter but their approach to my problem just makes things more difficult, and the fact that when you go to their website to request a FREEZE they redirect you to their paid service using similar language in order to deceive people. Experian should not be permitted to operate in this manner.
Product: Vehicle loan or lease

to fix it where i should not have to pay for a factory affect
Product: Credit reporting or other personal consumer reports

I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.

Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions.

( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.
Product: Debt collection

I am a XXXX XXXX  and XXXX XXXX My father died in XXXX and I missed a payment for which I was led to believe an auto pay had been set. Unfortunately, no email and mailed notifications were sent to me about the payment not being processed. 

I reached out to kohls with a request to remove the late payment but to no avail. 
I even disputed this item and nothing happened. 
Ive included my XXXX XXXX which you can look up at the XXXX XXXX XXXX XXXX XXXX 
Ive also included my fathers obituary. 

I've had an excellent payment history, I've always paid on time. I think we can continue to have good relations. 

Im requesting that the late payment for XX/XX/XXXX be removed from my credit report This is my account : Capital One /Kohl . Ac # XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Account status : Open Balance : {$0.00}
Product: Student loan

XXXX XXXX XXXX has inaccurate in their accounting records, and has admitted fault publically on their website. Unfortunately, I was apart of their miskept payment records. I have received numerous calls, letters, and even emails excessively even after " clearing '' it up with more than one rep. One rep would say I missed a payment for a month, then come back and tell me she was incorrect and that I in fact was current. I would then receive another call, only days later, telling me I missed payments from months like XXXX and XXXX, ( as she 's calling me in XXXX ). I advised her that I have made sufficient and overpaid. I even sent reciept of those payments and still received calls. Now, most recently, I spoke to a SUPERVISOR and he was also inaccurate with his track records, I reminded him that their lines are recorded and we can simply check them to clear this up. He said he would transfer me to someone and hung up. Never called me back. I called him back immediately, no answer. I left a voicemail, no response. I think they are pro-longing things and keep finding reasons to put me in the wrong rather than admitting they had account issues and that they actually do not know the balance I owe. To avoid court and unnecessary stress, I would like to resolve this with them right away. None of their reps want to take the time to fix this. I will also upload what their insufficient response message looks like, stating they " have already responsed ''
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX Mortgage ( XX/XX/XXXX & XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ).
Product: Debt collection

Jefferson Capital Systems is re-aging an old debt from XXXX XXXX in the amount of {$3300.00}. They are reporting that this account was opened in 2018 and is not true. I have disputed with all three credit bureaus to only be told the account is " verified ''. I have not received a signed contract nor any verification to support that this information is correct. The practice of re-aging an account is illegal and needs to be deleted from all three credit bureaus immediately. I have sent via certified mail a debt validation letter and have not received response.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX has violated my rights under 15 U.S. Code 1681s2 ( 2 ) ( A ) ( B ) : ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

I previously disputed this account because they keep furnishing inaccurate information by telling the credit reporting agency TransUnion I was late XXXX but on-time XXXX. It's impossible to be late and on-time in the same month ; it's clearly inaccurate and against all laws on consumer rights. This account needs the removal of all late payment transactions to be corrected to PAID ON-TIME, NEVER/LATE because of inaccurate reporting. 

XXXX XXXX has violated my rights under 15 U.S. Code 1681s2 ( 2 ) ( A ) ( B ) : ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

I've had previous contact with XXXX XXXX about reporting to TransUnion that in XXXX I was 90 days late, then in XXXX I was 90 days late. That's clearly inaccurate because you wouldn't lose 30 days of payment history going into the future ; if anything, it would've or should've been 150 days late after XXXX. They were unable to adjust the inaccuracies of my transaction history with them in a timely manner. By law, I am requesting the removal of all late payment transactions and to be adjusted to PAID ON-TIME, NEVER/LATE because of inaccurate reporting.
Product: Credit reporting or other personal consumer reports

To who it May concern, I am writing to fail a formal complaint against Experian regarding the reinvestigation process and failure to properly address dispute accounts associated with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on my credit report. I have never had any dealings or sign any contracts or agreements with these entities. Furthermore, my XXXX credit report has been subject to a data breach which contributed to erroneous reporting of these accounts. I have compared with all experience requests for proper documentation including submitting proof of identity and supporting evidence to substantiate my dispute. Despite this, Experian has failed to conduct a reasonable reinvestigation or comply with its obligation under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX born XX/XX/XXXX, XXXX, and I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$440.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 following debt buyer violated my rights. 

XXXX XXXX XXXX  Amount : {$900.00} Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Amount : {$1200.00} Account Number : XXXX Date Opened : XX/XX/XXXX I am not liable for these debts. I do not have a contract with XXXX XXXX XXXX nor XXXX XXXX XXXX. They did not provide me with the original application/contract like I asked. Please remove these fraudulent accounts at once. 

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 A complaint has been filed with the BBB. Case number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a freeze be placed on my credit report due to a possible breach of my account and my identity being compromised. I am requesting a security PIN be sent to me from XXXX, Experian and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

On XX/XX/2023, I opened a savings account with U.S. Bank under the impression that I would be getting monthly fees. I never heard of a bank charging monthly fees for a saving account, and certainly not if they're a XXXX. When I called the customer service agent, she had the audacity to tell me that I have to bring my overdrawn balance of - {$10.00} back to {$0.00} in order for her to close my account. Not even her supervisor can override these charges. U.S. Bank is a thief. They've been taking my hard earned money every month since XXXX and I didn't even realize. And they have the nerve to require me to bring my balance back to {$0.00} on top of the {$10.00} fee they keep charging my account every month? Even when my savings account was {$50.00}, they gave me a fee reimbursement that first time on XX/XX/2023. They need to return all the money they stole and close my savings account or I'm filing a lawsuit. I'm reporting this to the FTC and the Financial Regulator in their state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to find out why XXXX XXXX can just close an account you have had for 28 years, no money was owed, everything was current! This happened to me with a XXXX XXXX. No notification given, I went to use the Card after I had filled my car with gas, only to be told my account was closed. I was shocked. They are doing this to all accounts that they have power over. This has to be against the law thus my reason for filing this complaint. I feel this is total discrimination, especially against a recovering XXXX XXXX patient.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts Below : Account name : XXXXXXXX XXXX XXXX purchas Account number : XXXX I dont have the full account number but I wrote the numbers reporting on my credit report However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting

This complaint is not a duplicate of any previously filed complaint. It is representative of new violations that have recently occurred. This complaint is filed because XXXX. ( hereafter XXXX. ), as of XX/XX/2017 has violated Section 623 ( 5 ) ( A ) and Section 605 ( c ) ( 1 ) of Fair Credit Reporting Act. WHEREFORE, XXXX and XXXX is asking for a cease and desist order compelling XXXX., XXXX, XXXX, and TransUnion to correct the record. 
1. XXXX., has, ( a ) Re-aged account No. XXXX, previously reported as Acc. No. XXXX, and, ( b ) reported information beyond the 7.5 year statutory period allowed by FCRA, and, ( c ) Failure to report the account as " DISPUTED '' as required by FCRA. 
2. Both the original creditor or a debt collector can not re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change. The DOFD ( date of first delinquency ) determines how long a negative account can remain on your credit reports. ( see exhibit-A, -B, -C ) 3. A negative credit item, such as a charge-off can remain on our credit report for 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same date. 
4. Section 623 ( 5 ) ( A ) says : " In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' 5. This means that if a debt collector reports a date of first delinquency to the credit bureaus and the original creditor previously reported it, the dates must be the same date of first delinquency. Any different date constitutes illegal re-aging. 
6. A debt collector re-aging an account can cause serious damage to our credit files. Re-aging would allow the collection account to remain on our credit reports in-perpetuity. This action has been taken because we, XXXX and XXXX believe we are victims of re-aging. 
7. Furthermore, Once an account has been charged off, the date of first delinquency should never change because it starts the clock on the 7-year reporting time period. 
8. In actuality the 7-year reporting period is really 7 years plus 180 days ( 7.5 years ). This is how long a negative item such as a charge-off can remain on a credit report. 
9. A charge-off past the 7.5 year reporting date should not be on our credit reports. This includes any collection account connected to that charge-off account. 
10. Even if XXXX. collection effort began yesterday, XXXX. can attempt to collect the debt if there any, but they are prohibited from reporting the debt past the 7.5 year reporting period. 
11. Furthermore, the account has been disputed. However, the current credit reports for me and my spouse, XXXX does not reflect the dispute.