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

I sent letters to all three credit reporting agencies on XX/XX/XXXX to correct my address and removing all others and have not received a response from them. They are violating my rights.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX SELF-REPORTED XXXX Balance : {$230.00} ; XXXX SELF-REPORTED XXXX Balance : {$64.00} ; XXXX SELF-REPORTED XXXX Balance : {$22.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported to Trans Union that I have a balance of over {$12000.00} when I have a {$0.00} balance according to my records AND their records. I have to file a written dispute that may take 60 days or more and in the meantime, my credit score is down in the XXXX 's when i should be in the XXXX 's. This will financially impact me as it pertains to borrowing money until this is resolved. When I called them, their was no way to expedite the process even though admittedly it was their mistake. 

It is possible the mistake was on TransUnion as the XXXX other credit reporting agencies do not have the debt listed as far as I can see.
Product: Debt collection

ARS National Services needs to delete and remove this XXXX account from my XXXX  credit report or legal actions will be taken against XXXX and ARS National Services. I did not open this account. This is fraud and needs to be deleted and removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX - XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$590.00} XXXX XXXX XXXX XXXX - {$0.00} Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act, the list of accounts below have violated my protected consumer rights to privacy and confidentiality under 15 USC 1581 ; XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 ) ( 1 ) Aperson 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

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

My father made me a check from his XXXX XXXX Account on the XXXX of XX/XX/XXXX and mailed it to me on XXXX XX/XX/XXXX. The check accidentally arrived at the wrong address. The individual that received the check forged my name and sponsored it to his bank account. After confirmation with XXXX that the mail was delivered, my father tried to cancel the check but alas the deposit had already been processed to the individual 's account at Navy Federal Credit Union. A formal fraud complain was submitted to XXXX XXXX the XXXX XX/XX/XXXX to try to recover the funds. We were told that it might take up to 120 days for a response. It's been XXXX XXXX XXXX  and still no response. All XXXX XXXX have been able to tell us is that there is no response from Navy Federal Credit Union and there is nothing else they can do but wait for the bank 's response.
Product: Checking or savings account

Prosperity discriminated against poor and XXXX people by charging excessive fees. If an error occurs, they refuse to refund the fees and shame customers for being poor. I had XXXX dollars that went missing. The merchant said they didnt have it because I didnt authorize the payment and it was returned to the bank. The bank says Im lying and they never received it. I complained about the missing {$170.00} and any fees they attached to the missing moneys, and as punishment, theyve locked my account and I cant even access my ssdi check to pay my bills AND theyre charging excessive fees again. Im terrified to go into my banking center because I know theyre going to steal more money, if they even let me have the money that is sitting in my account.
Product: Checking or savings account

On XX/XX/2023 NFCU stole {$140.00} of federally protected money from my checking account. On XX/XX/2023 NFCU returned the {$140.00}. On XX/XX/2023 NFCU knowingly stole {$150.00} from my checking account, NFCU was fully aware this money was set aside to bye food and international stole it with the full intention to try to starve me. All my money comes from XXXX  XXXX. I made a purchase with is protected money then returned it and this is the money NFCU has stolen. I have lost all trust in NFCU.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

This was an account that was not opened by me and should not be on my credit report. I have investigated the origin on the creditor and have found out that I did not give consent to have this account opened
Product: Debt collection

I was never informed of the debt being collected. This agency did not make any attempt to contact me regarding this issue of owed medical bills. The agency just added it as an alert on my credit report.
Product: Consumer Loan

My credit report still showing an auto loan which was pay XXXX/XXXX/2010 to SunTrust bank. How long take to clear that account from my credit report. 

XXXX XXXX
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act This creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency Can not furnish an without my written instructions Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center is an Violation of the Fair Credit Reporting Act ( FCRA ) for failure to properly investigate the inaccurate information on my credit report. Account Name : XXXX XXXX XXXX : Account BALANCE : {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX opened XX/XX/XXXX closed XX/XX/XXXX XXXX
Product: Debt collection

TO BEGIN THE ARES THAT I HAD TO CHOSE FROM DON'T EXACTLY STATE MY CASE. 






XX/XX/XXXX REALIZED I WAS FINALLY GOING TO GET AN OFFER IN COMPROMISE FROM THE IRS. WENT TO WELLS FARGO ASK TO REFINANCE MY LOAN AND TAKE OUT SOME FUNDS TO PAY THE LARGEST CREDIT CARD BILL WHICH WAS WITH WELLS FARGO THEY SAID NO. I AM XXXX YEARS OLD AND XXXX XXXX  WITH XXXX XXXX. I IMMEDIATELY CONTACTED A XXXX XXXX XXXX TO HELP WITH MY PROBLEM.XXXX XXXX I SIGNED THE IRS OFFER OF COMPROMISE AND HSVE MADE EVERY DETAIL TO PERFECTION. I BEGAN PAYING XXXX  XXXX  XXXX FUNDS ALL I HAD LEFT EACH MONTH AND THEY SAID THEY COULD DEFINATELY HELP ME. THREE OF THE CREDITORS CHOSE NOT TO DISCUSS ME WITH XXXX   XXXX  ON WELLLS FARGE WAS THE LARGEST. AFTER WAITING 5 MONTHS DOING NOTHING TO FIND A RESOLUTION, THEY SUES ME. AS DID XXXX XXXX ON THE OHER TWOBILLS. IN XXXX THE XXXX I THINK. I WENT TO COURT FOR THE XXXX XXXX BILL I ASK FOR A BILL OF PARTICULARS NAD I WAS REGUIRED TO TURN IN MY GROUNDS FOR DEFENSE. WHICH I DID WHEN THE NEW TRAIL DATE CAME WHEN I WENT TO COURT THEY HAD ASK FOR A CONTINUACNE UNTIL XX/XX/XXXX IN XXXX THEY HAD SOME DISCUSSIONS WITH XXXX   XXXX  XXXX. WHEN I WENT TO COURT IN XXXX THEY AK FOR A CONTINUANCE UNTIL XX/XX/XXXX I TOLD THE JUDGE THIS IS NOT FAIR BUT I HAD ASK XXXX WHAT TO DO AND I DID NOT WANT TO BE A PROBLEM. MY MAIN PROBLIM WAS THE REASON THEY USED TO ASK FOR THE CONTINUANCE ( A WITNESS COULD NOT TRAVEL FROM IOWA TO TESTIFY AGAINST ME DUE TO COVID 19. I AM XXXX FROM XXXX XXXX, HAVE XXXX XXXX, HAVE XXXX XXXX XXXX AND PROBLEMS WITH MY XXXX. AND I HAD TO RISK GOING TO COUYRT 4 TIMES TAKING MY LIFE IN MY HANDS AND THEY WILL HAVE A HARD TIME TO EXLAIN WHAT THE WITNESS WOULD TESTIFY TO. ALL THE DOCUMENTS HAD BEEN SUBMITTED TO THE COURT AND I DID SAY THE AMOUNT WAS NOT WHAT I THOUGHT IT SHOULD BE BUT THIS IS A DELIBERATE ATTEMT TO TRY TO SCARE A XXXX  OLD MAN AND TRY NOT TO ATTEMPT TO BE RESONABLE WITH XXXX  XXXX  XXXX. THEY THINK IF I DIE THEY WILL HAVE A BETTER CHANGE WITH MY ESTASTE. THIS IS WRONG WIL NOT BE INTIMIDATED AND I PLAN TO OUT LIVE THEIR DELAYS. AND IF I DON'T I WANT MY ESTASTE TO SHOW WHY THEY SHOULD NOT OWE THWM ANYTHING.WHY DO THEY HAVE NO OBLIGATION TO NOTIFY ME OF THE CHANGES JUST BE CAUSE I CAN NOT AFFORD A LAWYER. IF I COME DOWN WITH COVIS 19 WITHIN THE TWO WEEKS FOLLOWING THE XX/XX/XXXX COURT DATE I WIL SUE THEM FOR ALLOWING IT TO HAPPEN. I KNOW I DON'T TYPE WEEELL AND I AM OLD BUT THEY SHOULD NOT BE ABLE TO ABUSE ME. I STALL SAY THE ORIGINAL DOCUMANT I SIGNED WAS FOR A {$6000.00} LIMIT ON THE CARD AND HOW IT GOT TO {$10000.00} I DO NOTKNOW. I WOULD JUST LIKE TOBE TREATED IFAIR
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried applying for a student loan but my credit report was pulled from multiple sources and I did not know. 

XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( 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: Debt collection

I checked my credit report, and I noticed that there is an entry reported by sunrise credit services for and account # XXXX which claim that " I owe {$3900.00}, '' on XXXX the XXXX I send them a certified letter stating that I need proof and validation of this entry. On XXXX the XXXX the company received the certified letter, and they did not response with valid evidence that the entry is mine and correct. I did not receive a contract or valid proof bearing my signature showing that I have this debt and I have a legally obligation to pay them. instead, they send me a photocopy of a bill that has nothing to do with the Sunrise Credit Services. NO SIGNATURE NO CONTRACT. NOTHING. Again, on XXXX the XXXX I send another certified letter, which they received on XXXX the XXXX again asking again for valid proof of this debt, but until today they have chosen to ignore me and keep reporting this erroneous entry to other credit bureaus. this matter is causing me and my family financial hardship. The photo of the BILL they send. me as proof it is not valid. The FTC opinion letter from attorney XXXX XXXX stated that a printout of a bill or itemized document does not constitute verification.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to XXXX and TransUnion Credit Bureaus on XX/XX/XXXX requesting that they verify the validity of these inquiries and remove them from my file if the Credit Bureaus can not verify these inquiries. Upon Checking my updated Credit Report, It is clear that the XXXX and TransUnion Credit Bureaus did not comply with the requests. I thought that this matter was already taken care of due to multiple letters I have been sending to the Credit Bureaus, but I was proven wrong when I received my Credit Report for this month. Again, I was a victim of identity theft and these inquiries are the result of such crime. I am submitting this complaint to request the XXXX and TransUnion Credit Bureaus to remove the disputed inquiries from my Credit file : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

All the details. I see duplicated reports from the company side since they made a mistake in my contract ( Hyundai Motor Finance and XXXX XXXX XXXX ). 

I bought ( XX/XX/XXXX ) this car from a local dealer ( XXXX XXXX ), and they credit my check and it was all good. 

After 3 weeks they called because it was " an error '' in my financial contract, from their side, and they asked me to re-sign all that again, and that's fine. 

After 3 days, I had 2 extra new hard inquiries in my credit that I didn't authorize at all, and since I have had the car, approved, for more than 1 month. They never told they would recheck the credit. I never Authorized. 

I opened a dispute with XXXX, 3 times, and the answer was nothing we can do, the entry stays in your credit. 

I called Hyundai Motor Finance and Hyundai Finance America many times, they told its not my problem and, dispute if you needed to. 

I am stuck, with 2 extra entries in my credit that I didn't authorize, and its duplicated. I don't want that there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1300.00}, {$5700.00}, {$220.00}, {$3600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. JXXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$220.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3600.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am disputing XXXX accounts as duplicate accounts on my XXXX, XXXX and Equifax credit report. 

XXXX XXXX  or XXXX XXXX XXXX account XXXX. 

Also XXXX XXXX XXXX has the same account on my credit as of XX/XX/XXXX. Account XXXX. The original creditor is XXXX XXXX XXXX as a collection account. 

As these are duplicate accounts please remove both. 

. Also, The original account went default in XX/XX/XXXX. A default stays on credit for 5 years from the date of missing first payment. Your lender can not re-register account as per FCRA.
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 XXXX USC XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have XXXX XXXX to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C XXXX section XXXX XXXX States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXc. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C. XXXXs-XXXX ( A ) ( XXXX ) 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.