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

Subject : Dispute of inaccurate information on my credit report Account XXXX Credit Bureau : EXPERIAN Account Type XXXX Credit Card Dear XXXX XXXX XXXX XXXX XXXX XXXX rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with XXXX XXXX, which has been marked as a " charge-off. '' Upon reviewing my credit report, I have found the following discrepancies between the credit bureaus XXXX, Experian, and XXXX : XXXX : Highest reported balance : {$350.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}. 
Reason for closure : " Account closed by consumer. '' Experian : Highest reported balance : {$0.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}. 
Reason for closure : " Credit line closed at consumer request. '' XXXX : XXXX reported balance : {$260.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$0.00}. 
Reason for closure : " Unpaid balance reported as a loss by the creditor. '' These discrepancies show significant inconsistencies, particularly regarding the highest balance, credit limit, and reasons for closing the account. XXXX and Experian report a credit limit of {$250.00}, while XXXX reports no credit limit at all. Additionally, the reasons for closing the account vary : XXXX and Experian indicate that the account was closed at the consumer 's request, while XXXX reports it as a loss for the creditor. These differences violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit bureaus to ensure maximum possible accuracy in the information they report.

Moreover, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies found negatively affect the accuracy of my credit history and do not adequately reflect my financial situation.

I request that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus show that the reported information is not accurate. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports showing the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. 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

Ideas on my credit report that's still appear on there when it should be removed such as a old account
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES In accordance whit the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account whit out my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Seccin 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 1681 s-2 ( A ) ( a ) 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. Delete the accounts below. XXXX XX/XX/year> EQUIFAX The Equifax company insist do not remove the information, I demand that they present the prove or evidence that they have whit my sing or autorization or remove immediately.

Thank you
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 XXXX XXXX. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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.
Product: Credit reporting, credit repair services, 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 XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXX/XX/2022XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/2022
Product: Debt collection

The company called XXXX XXXX, holding my debt from CITIBANK, NA ( BEST BUY ) has been sent 6 letters from XX/XX/XXXX until XX/XX/XXXX trying TO SETTLE this debt and get it REMOVED from my credit files! They have ignored ALL ATTEMPTS to communicate with them or settle this debt! Instead they called family and friends and made me look like a fool! ALL I wanted to do for over the past year is SETTLE the debt and have the information REMOVED from my credit file! 
XXXX XXXX account # XXXX amount offered for settlement {$190.00} No one has ever responded to my repeated attempts to settle this matter.
Product: Debt collection

Resurgent Capital services violated the FDCPA. 

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Product: Credit reporting or other personal consumer reports

Experian stated the information I disputed was accurate. The information I disputed was inaccurate on my credit report. After I filed a dispute with Experian my credit reported was updated with the accurate information I disputed. I don't agree with the investigation and I want my points back I lost due to inaccurate information reported. 

XXXX reported a late payment between XX/XX/XXXX and XX/XX/XXXX. I filed a dispute with Experian XX/XX/XXXX stating XXXX payment reported was inaccurate. Payment of {$400.00} was paid on XX/XX/XXXX to XXXX. Experian has updated payment information from XX/XX/XXXX 30 days past due to closed after I disputed the late payment for XX/XX/XXXX from XXXX. My credit score has went down XXXX points ( see attachments ) due to the inaccurate information reported from XXXX. This error has negatively affected my approval with a company I always do business with. ( see attachments ) This error will negatively affect me getting approved for a home loan. I want my the XXXX points back I lost and compensatory damages due to the inaccurate reporting. 

I have worked hard the past 3 years to get my credit score up. I have had XXXXXXXX XXXX builder for the past 3 years to prepare to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reported the data verified by XXXX XXXX However, according XXXX XXXX, XXXX XXXX has removed the bankruptcy from my file dated XXXX XXXX XXXX The most recent bankruptcy dispute showed that there were no change as a result of my dispute. This data was NOT verified by XXXX XXXX, due to the bankruptcy being deleted from XXXX XXXX FILE on XXXX XXXX XXXX. Experian is NOT investigating into this after speaking with XXXX XXXX directly on XX/XX/XXXX, customer support stated during their bankruptcy dispute investigation initiated on XXXX XXXX Experian did not respond to their investigation as of XXXX XXXX XXXX experian completed their investigation on XX/XX/2023, results ; This item remained unchanged from our processing of your dispute in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian multiple times via phone and online to have an erroneous public record removed from my credit file. I have also disputed this information with XXXX and they have deleted the unverified public record. I have requested multiple times that Experian supply written proof of this so-called debt/public record that they have received when validating and they have not provided the information requested. I sent a letter to the Bankruptcy court showing on my credit report asking how they verified information to the credit bureaus and recieved response back that this is not true, they do not verify with them. On XXXX, 2018 I spoke with a representative at Experian named XXXX who said he was unable to give me any information other than it was verified through the courts. When I asked how and who verified this and told him I have requested proof of this several times and been denied he offered to transfer me to his supervisor. I then spoke with the supervisor XXXX who refused the name of the person who verified this public record and said they contacted the court house or possibly verified it electronically, XXXX. This dispute was obviously not investigated as it is inaccurate and still reporting which is causing my credit profile to report incorrectly and hindering me from obtaining credit. FCRA commands accuracy, multiple federal court cases on hearsay have explained that the person verifying must be able to testify under oath to its accuracy. In order to testify such accuracy the person verifying would need first hand knowledge otherwise this is considered hearsay. It is against my rights to have someone or an electronic device verify a dept against me when they can not and will not supply proof or documentation that this debt is mine.
Product: Credit reporting or other personal consumer reports

I have seen that the XXXX have removed one negative account. However, I still see that most of the items that I requested to remove were still in my credit file. I need this problem solved as these items were harmful for my credit records. Therefore, I am once more requesting the XXXX credit bureaus to please REMOVE these items from my credit reports within 15 days : XXXX : XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was changing my insurance policy. The old policy was to end on XXXX. The new policy was set to take effect on XXXX. Fifth Third, our mortgage company was informed of the change by my insurance agency, XXXX XXXX XXXX XXXX. They were also given the address to send the payment to out of our escrow. They sent the payment to the wrong address. Therefore, we did not have insurance from XXXX until it was discovered on XXXX. We immediately purchased insurance. It was a higher price because of the lapse. A difference of {$830.00}. I immediately contacted Fifth Third. They acknowledged the mistake on their end.I have talked to them several times and they keep saying they will call me back. They have never called me back and its been over 4 months.We are asking them to pay the difference of {$830.00} and take care of the lapse in coverage fees they are trying to impose on us. Enclosed is the policy that we were never able to get, the policy we had to buy, and the latest letter we received from Fifth Third asking us to pay for insurance during the lapse. The last supervisor I spoke with was XXXX XXXX. XXXX is the email he gave me. He has never responded to any of my emails. The last time I spoke with Fifth Third I told them I was filing a complaint. 

Thank you, XXXX " XXXX '' XXXX
Product: Credit card or prepaid card

I never received a bill in XXXX. The last payment I made was XX/XX/2020. Because the interest free promotional period was near, I thought I did not receive a bill because my balance was XXXX. ( That was the case for another company, I have 3 interest free promotional periods ending within a2 month period, so I was confused ) I still tried to call several times to confirm but could not get a human on the phone. The automated system said my balance was the same as my last payment, it sounded like I was done but still wanted to speak to someone. I tried calling again during the week rather than the weekend on 2 seperate occasions and still could not get a human on the phone. I received a text on XX/XX/XXXX from an unknown number telling me I missed a payment. I called and that's when I was told the bank changed and the bill now comes from elsewhere. I explained that I never received anything and wanted a bill to ensure it wasn't a scam. I still haven't received anything in the mail. I looked through my mail for the new envelope but it has a due date for XXXX. I never received a bill for the XXXX due date. I have a XXXX promo finance charge, a late fee charge of XXXX and it says my previous balance was XXXX. I also have a charge called promotional revolving at XXXX. I don't understand the charges and I asked them to waive the fees and interest since I never received anything. The promotional period ended in XXXX and that is when I did not receive a bill. I thought maybe I didn't see the bill because it was sent in a different envelope and I didn't open it yet since I was looking for the same envelope I've seen for the past 2 years I've been paying this bill. But upon looking through all my mail the only bill I see from the new company is due in XXXX. Also the account number on this bill is different than the one I've been paying for the past 2 years. I easily get on the phone when I call the number that texted me but when I call the number given to me by the store I made the purchase from I can't get anyone on the phone. The store I made the purchase from did confirm that they changed banks but didn't understand why my account number was different. I want to pay my bill but only the remaining balance if I had one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Randomly generated answer on Equifax website persuaded me to sign a document that may be in accurate. Coercion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information, and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place.
Product: Debt collection

1. ) Collection agency known as Hunter Warfield has not spoken with me in person, phone, nor have I received mail nor electronic communication from collection company as an attempt to collect a debt before reporting collection to credit bureaus. 

2. ) Debt Validation has not been provided by Hunter Warfield. 

3. ) Hunter Warfield is reporting a past due amount on alleged debt. It is inaccurate and illegal reporting and needs to be removed immediately.
Product: Debt collection

I have contacted company by certified mail and return receipt asking for proof of the alleged debt. They have not communicated back about the validity of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I asked the IRS to grant a withdrawal of Federal Tax lien. I received confirmation of withdrawal on XX/XX/XXXX. A week ago on XX/XX/XXXX, I obtained from the court 's clerk a copy of the recorded IRS form XXXX " Withdrawal of Filed Notice of Federal Tax Lien after Release ''. The form has the stamps that it was recorded by the clerk for the superior court of XXXX XXXX, GA on XX/XX/XXXX. On Monday night XX/XX/XXXX, I filed an online dispute with Equifax asking they remove the public record of this IRS tax lien and I uploaded the above recorded form of withdrawal as proof that this tax lien was withdrawn. Today, Equifax sent an email that they had investigated and confirmed the original tax lien of XX/XX/XXXX, and would do nothing further. Therefore they are refusing to update my credit report by deleting this public record.
Product: Debt collection

A man called me asking for information on how to contact a " XXXX XXXX ''. The man said my name was listed as a connection for XXXX XXXX. The man on the phone did not identify himself until I asked for his name. He said he was XXXX ( XXXX? ) XXXX with Nation 's Recovery. I asked if this was some kind of emergency that he needed to reach XXXX XXXX. He said, " No. '' He did not explain what the call was in reference to, but he left a phone number to call - XXXX XXXX XXXX XXXX, ext XXXX. My phone shows that XXXX XXXX call actually came from ( XXXX ) XXXX, Wednesday XXXX. XXXX, at XXXX. 

I believe this call breaks several laws concerning debt collection and I want to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this complaint because your company keeps claiming that my letters that I keep sending directly to you by mail were are being sent by a third party or someone other than me. That is not the case. I, XXXX XXXX, am the one making this complaint. 

Fact, the failure of a consumer to dispute the validity of a debt may not be construed by any court as admission of liability by the consumer. This was written by congress under the FDCPA, 15 USC 1692g. Only I, XXXX XXXX, who is the consumer can validate this alleged debt. This alleged debt is not mine. Therefore, under the provisions of the Fair Credit Reporting Act and the Gramm-Leach-Blilely Act, I hereby opt-out of the reporting of this invalidated and inaccurate account below. Therefore, if your company continues to report this invalidated and inaccurate account you will be in violation of both the FCRA and the Gramm-Leach-Blilely Act. 


XXXX XXXX XXXX Account # : XXXX Please also provide the signed proof that I, XXXX XXXX, gave your company to include ANY information to my consumer report. Pursuant to 15 USC 1681b, you can not report anything to my consumer report without my written consent. By law you have 30 days to provide me with this proof or this inaccurate and invalidated account must be removed from my report. Failure to provide me with the requested proof of the signed consent that I allegedly gave to your company within the 30 day period, will require me to follow up with whatever action necessary, as your company is in violation of my rights under the FCRA and the FDCPA and your company will be held legally responsible for noncompliance under the Fair Credit Reporting Act, 15 USC 1681n and the Fair Debt Collections Practices Act, 15 USC 1692k. 

I have provided all of my personal documents, MY LICENSE AND PROOF OF ADDRESS that will be needed to process this complaint and locate me in your system. 

Please send me an updated copy of my credit report showing the deletion of this inaccurate account.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>