23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, Tx XXXX Re : Demand for Immediate Deletion of Charged-Off Account Reinserted in Violation of 15 U.S.C. 1681 ( i ) ( 7 ) Dear Experian, I am writing to demand the immediate deletion of a charged-off account that was wrongfully reinserted into my credit report after it was previously deleted. This account was originally removed from my credit report after a dispute, but your agency has reinserted it without proper verification or legal grounds, in clear violation of 15 U.S.C. 1681 ( i ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681 ( i ) ( 7 ), if information is deleted from a consumer 's credit file after a dispute, it can not be reinserted unless the furnisher of the information has provided verified and accurate evidence of its legitimacy within a reasonable period. You have failed to provide such documentation, and as a result, your actions amount to an unlawful reinsertion of inaccurate and outdated information. 
Account- XXXXXXXX XXXX Account number- XXXX The account named above was deleted on XX/XX/XXXX and reinserted on XX/XX/XXXX. This account was also deleted from XXXX on XX/XX/XXXX. 
Additionally, I am aware that Experian is currently under investigation and being sued by the Consumer Financial Protection Bureau ( CFPB ) for engaging in shameful and unlawful investigation practices that have repeatedly harmed consumers like myself. Your agency 's history of inadequate and often negligent investigations has already drawn serious legal scrutiny. It is beyond disappointing that, in light of these ongoing legal actions, Experian continues to flout its responsibilities under federal law. 
I am demanding immediate removal of the charged-off account from my credit report, and I expect this to be done within five business days as required by law. I also expect a formal, written confirmation from Experian stating that this deletion has been completed. Should you fail to comply, I will not hesitate to pursue legal action against your agency, including filing formal complaints with the CFPB and FTC, and seeking statutory damages for your blatant disregard of the law. 
Your repeated failures in handling these matters are unacceptable, and I will not tolerate further violations of my rights. If this issue is not resolved promptly, I will take all necessary legal measures to hold Experian accountable. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Resurgent Capital Services/ LVNV Funding, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Subject : Cease and Desist Request under FDCPA XXXX XXXX and Deletion from Consumer Report I am writing to formally request that Resurgent/LVNV Funding, LLC cease and desist all communication with me regarding the alleged debt associated with the account, under the Fair Debt Collection Practices Act ( FDCPA ), Section XXXX. 

Under 15 U.S. Code 1692c, I am requesting that you no longer contact me through any medium, including by telephone, mail, or email, regarding this debt. This includes communications through my consumer report, which falls under the definition of a medium for communication as outlined in this statute. 

Furthermore, I am disputing the validity of the debt associated with this account and demand that you immediately cease any further reporting of this debt to consumer reporting agencies. I also request that you remove any derogatory information associated with this account from all consumer reporting agencies, as it is causing harm to my credit standing. The continued reporting of this debt constitutes an unlawful communication under Section XXXX and violates my rights under the FDCPA. 

Failure to comply with this cease and desist request will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action. 

Please confirm in writing that you have received and will comply with this request within the next XXXX  days. 

Sincerely, XXXX XXXX
Product: Debt collection

I need someone to address this issue expeditiously : Two years ago the XXXX turn our account account over to a unethical, unlawful collection agency that harass you and tell lies to get money out of Americans who has loans with the XXXX XXXX XXXX. Something needs to be done about the company ASAP there name is Pioneer Credit Recovery they are a collection agency out of New York that does bad business practices. In 2014 they took my tax refund because they lied and told the XXXX that my XXXX XXXX XXXX XXXX was a Student Loan Something needs to be done about this Company ASAP. Send out a Stop and Decease Letter ASAP these people are misrepresenting the XXXX XXXX XXXX which is a Federal Agency. Pioneer Credit Recovery Needs to Be Stopped By the Government for Misrepresentation of Government Loan Accounts. 

On last Friday ( XXXX ) my job gave me some papers that will be giving a XXXX Collections XXXX the right to garnish my wages after I sent them in supporting documents explaining my financial condition. In the letter Pioneer Credit Recovery sent to your oXXXXfice they lie, and said that I did n't send in my XXXX. I can send the information that I sent them. Plus I have always told them that I could afford only {$300.00} dollars a month this Company XXXX XXXX Wants to receive {$550.00} a Month which I ca n't Afford. This company has lie on me I 've been advised to Sue them by an Attorney for wrongful and unethical business practices, because have harassed me by continuing to call and not except my financial agreement that I was willing to pay. Now they want to garnish wages at there amount which will greatly affect my bill agreements that I currently have. I 've never missed a payment with Pioneer Credit Recovery XXXX agency they are just unfit to represent the Federal Government. Feel free to call me at : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two credit cards with SYNCHRONY BANK : A CARE CREDIT AND XXXX  CREDIT CARDS. THE ADDRESSES ARE THE SAME : XXXX XXXX XXXX XXXX, FL-XXXX, ( XXXX ) XXXXSYNCHRONY BANK REFUSES TO REPORT MY ACTUAL PAYMENTS I MAKE PER MOUNTH FOR EACH OF MY TWO CREDIT CARDS. SYNCHRONY BANK REFUSESTO REPORT THEM INTHE BALLANCE HISTORY AND PROVIDE THEM EVERY MONTH TO THE THREE CREDIT BEAUROS.

This is a violation of the FCRA.

Bellow I copy the data I have on my Equifax credit report. The actual amount is missing! None of the information/balance/ minimum due amount is correctly provide to XXXX and the other two bureaus. The same problem is with my XXXX XXXX XXXX credit card where my actual payments are not reported. ( see copy below ). 

XXXX XXXX XXXX XXXX, FL-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$3600.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$8000.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$3600.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : {$150.00} Date of Last Activity : XXXX Date Major Delinquency First Reported : Months Reviewed : 3 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Charge Account Date of First Delinquency : N/A Comments : XXXX XXXX XXXX XXXX XXXX, FL-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$860.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$3000.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$860.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : {$25.00} Date of Last Activity : XXXX Date Major Delinquency First Reported : Months Reviewed : N/A Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Charge Account Date of First Delinquency : N/A Comments : As you may see, Actual Payments are not included, the balance history is incorrect. All of the above reporting is a violation of FCRA
Product: Credit card or prepaid card

I have a balance of less than {$900.00} and I was charged {$520.00} on XX/XX/2021 INTEREST CHARGE ON PURCHASES
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my congressional findings pursuant of 15 USC 1681 ( b ) ( 2 ), A consumer has the right to demand remedy by means of written or oral communication. In addition, based on the due diligence I have, 15 USC 1681 ( a ) ( 1 ) Congressional findings and statement of purpose. 
The banking system is depending upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system worldwide, unfair, inaccurate credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
As EQUIFAX would know, there is a need to ure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Unfortunately, EQUIFAX has not been exercising their grave responsibilities that was given to them nor performing reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and lawful, as well as equitable to XXXX XXXX XXXX, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681 ( b ), which states reasonable procedures..

I have remained very humble throughout these past 7 months despite the stress, mental abuse, and harm that EQUIFAX has caused with the inaccuracies on my report. With these inaccuracies, I have not been able to find stable job placement, cant buy a house, or a car for my daily life. Lenders look at my inaccurate credit report and say Im a risky candidate. THIS CAUSES mental stress as im not able to live the life I want because of EQUIFAX reporting alleged transactions, and inaccurate information I never gave consent to report! On record, I did not give EQUIFAX any form of written or verbal instructions to accept, furnish, or report any information on my behalf. By the powers vested in me by the one TRUE living GOD, I hereby demand that the accounts named as collections be removed immediately ( XXXX XXXX, XXXX XXXX XXXX ), as well as all DEROGATORY MARKS, ALL LATE PAYMENTS, ALL INQUIRES INCLUDING SOFT AND HARD, that was not auhorized by XXXX XXXX XXXX verbally or written, be deleted, and removed IMMEDIATELY. If EQUIFAX claims they have done any investigation regarding any account, in persuant to 15 U.S. Code 1681a ( e ), I request the names/ persons, location information of the persons associated with my character that were interviewed verify this debt. I am also a victim of a data breach that was caused by EQUIFAX.
Product: Payday loan, title loan, personal loan, or advance loan

They continue to call me 2 or 3 times a day. I told them soon as I get the money I will contact. They keep harassing me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year> XXXX XXXX : XXXX XXXX XXXX, XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Westlake Financial SVC To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The disputed item is listed under Westlake Financial SVC with the account number XXXX on my credit report. 

Upon reviewing my report, I have identified several discrepancies and violations of federal law that make this account legally uncollectible and unreportable. Specifically : 1. The account is listed as charged-off while still reporting a balance, which contradicts the legal definition of a charge-off under GAAP and the FCRA . Once an account is charged off, the creditor forfeits the right to continue reporting a balance.

2. Verification and substantiation requirement ( 15 U.S.C. 1681i ) : Under the FCRA, any disputed item must be verified by the furnisher of information with documented proof. If the original creditor has sold the debt or can not produce a wet-ink contract bearing my signature, this debt is legally unverified and must be removed.

3. Fair Debt Collection Practices Act ( FDCPA ) violations : If this debt has been transferred to a third party, any continued reporting of a balance by the original creditor is misleading and constitutes an unfair debt collection practice. 

Given these legal inconsistencies, I am demanding the immediate removal of this account from my credit file. If this dispute is not resolved promptly in accordance with the FCRA, I am prepared to escalate the matter to regulatory agencies and seek legal remedies.

Please complete a full investigation and respond within the legally mandated 30-day period. Upon completion, kindly provide me with written confirmation of the deletion or a full breakdown of the verification process, including all supporting documents.

I appreciate your prompt attention to this matter. Please send your response to the address listed above. 

Sincerely, XXXX XXXX
Product: Debt collection

After reviewing my credit report on XX/XX/2021 I discovered and inaccuracy from LVNV funding llc, in the amount of {$1300.00}. I contacted LVNV funding llc about the inaccuracy. I have no knowledge of such account and to remove it from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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, IL XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXXXXXX XXXXBalance : {$2200.00}.
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX **** XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments Dear CFPB, I am writing to formally dispute inaccurate late payment entries on my Equifax credit file for my account with XXXX XXXX XXXX  ( # XXXX ). These reported late payments do not accurately reflect my payment history and, I believe, constitute a violation of my rights under federal law.

Nature of the Complaint : Inaccurate Reporting of Late Payments : The late payments indicated in my Equifax credit report are incorrect. As I have been consistently enrolled in autopay for this account, my payment history should reflect 100 % on-time payments.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccuracies on my report violate the FCRA, specifically 15 USC 1666 ( b ), which mandates accurate representation of consumer creditworthiness. Incorrectly listed late payments can have a detrimental effect on my credit score and misrepresent my reliability as a borrower.

Possible Violation of the Fair Debt Collection Practices Act ( FDCPA ) : False reporting of payment information may also violate the FDCPA, which protects consumers from deceptive and misleading representations related to their accounts.

Noncompliance with the Truth in Lending Act ( TILA ) : The inaccurate reporting of payment information further violates the TILA by failing to ensure the accuracy of reported credit information.

Additionally, the Fair Credit Reporting Act, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, requires credit reporting agencies and information furnishers to ensure maximum possible accuracy in consumer reports.

Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), both willful and negligent noncompliance with these accuracy standards may result in civil liability, including compensation for actual damages, attorneys fees, and potential punitive damages.

Requested Resolution : I request an immediate and thorough investigation into these inaccuracies. I expect Equifax to correct my credit file by removing all erroneous late payment entries for this account, accurately reflecting my commitment to timely payments.

Please confirm the correction of these entries in writing within 30 days of receiving this letter. Failure to resolve this matter within the given timeframe may result in further action to enforce my rights under the FCRA and other applicable consumer protection laws.

Attachments : I am including supporting documentation to substantiate my dispute, including personal identification, account status reports, payment records, and prior correspondence related to this matter.

Thank you for addressing this matter with the urgency it deserves. I trust Equifax will uphold its responsibility to ensure the accuracy of my credit report and correct these errors swiftly.

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

This complaint is in regard to Capital One failure to deposit my direct deposit from my employer in the amount of {$1900.00} on XX/XX/year> Capital One has cited technical issues, which may violate EFTA as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld.

Thank you.
Product: Credit reporting or other personal consumer reports

Equifax Customer Data Breach ( XXXX XXXX ) XXXX XXXX. XXXX Customer Data Breach ( Case XXXX ) Violations of : 1. Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) ( XXXXXXXX XXXX XXXX XXXX. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 3. Permissible Purpose : 15 USC 1681b 4. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 5. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 6. Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. The accounts are : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : Date Fraud Begun : XX/XX/year> I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and Mississippi state laws regarding credit reporting and identity theft. I declare under penalty of perjury that the information provided in this affidavit and accompanying documentation is accurate and truthful.
Product: Credit card or prepaid card

Illegal charge placed on card-called and letters sent. Bank continues to charge fees and varied amounts on the same bill. Wait times on phone " >50 min '' per recordings plus multiple transfers. Fees excessive- $ 35=20 % of one of the amounts.
Product: Debt or credit management

Synchrony Bank located in XXXX and XXXX show an outstanding credit balance of {$540.00} according to their records on XX/XX/XXXX. They reported that they had sent a check I have written back to them several times letting them know I never received a check XXXX. 
The bank closed my account on XX/XX/XXXX without my consent or resolution. I have tried in writing and staying on the phone to connect with them but to avail. 

Now I have a bill dated XX/XX/XXXX saying I owe the money. Ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the new inquiries on my account
Product: Credit card or prepaid card

In XX/XX/XXXX, one week after I opened the account, the account was closed. I created a complaint with CFPB on XXXX, complaint number XXXX. This complaint resulted in Chase reopening my credit card with the same credit limit as originally issued. I felt satisfied with this response. 

However, ever since then, I believe that Chase is specifically targeting my account because IMMEDIATELY AFTER I make large payments to my account, they significantly lower my credit limit. I have not had any late payments to this account since it was opened, and I have no late payments on my credit report from any other accounts since XXXX, long before they approved to open my credit account in XXXX. Additionally, I have my deposit checking account with Chase, and they are able to verify my income to see that my income can support the credit limit for this and other accounts on my credit report. 

The action of lowering my credit report after large payments have been made are negatively affecting my credit score. I am making the large payments to the card to help decrease my utilization and increase my credit score. By constantly reducing my credit limit, I am unable to meet this goal. 

XX/XX/XXXX - Approved and opened account with {$8500.00} credit limit. 
XX/XX/XXXX - Closed account with no explanation. 
XXXX? XXXX - Re-opened account after CFPB complaint. 
XX/XX/XXXX - {$8700.00} payment. 
XX/XX/XXXX - Decrease credit limit from {$8500.00} to {$4800.00}. 
XX/XX/XXXX - Decrease credit limit from {$4800.00} to {$4300.00}. 
XX/XX/XXXX - {$2000.00} payment. 
XX/XX/XXXX - Decrease credit limit from {$4300.00} to {$2500.00}.