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

XXXXXXXX XXXX XXXX XXXXXXXX In accordance with the law, my rights have been violated. Late payment reports to your consumer report is illegal. In 15 U.S.C. 1681a : Definitions and Rules of Construction ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681 5 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions are not included in the report and the request to is to remove late payments from account # XXXX, # XXXX, and # XXXX in addition there are huge payment discrepancies between the XXXX consumer reporting agencies.
Product: Debt collection

The debt collection agency IC System states that I owe {$17.00} for medication received on XX/XX/2018. 

I provided proof that I paid it on XX/XX/2018 and I even have the bank statement to prove that the money came out of my account on XX/XX/2018 when I was notified of the amount to be paid. 

The company claims to have investigated the debt, but still refuse to acknowledge that I did pay the debt. Even though the hospitals information app clearly shows that they received a payment from me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account number XXXX is a fraudulent account with total fraudulent charges up to a high balance of : {$4700.00}. Its now listed on my Equifax credit file as a paid charge off. XXXX XXXX XXXX also commited tax fraud through the IRS by listing a charge off date of : XXXX. I challenged this with the IRS and won. XXXX XXXX XXXX sent a letter which ill include in the CFPB complaint listing the actual charge off date as : XXXX. In addition, im a verified victim in the recent EQUIFAX data breech. this fraudulent account must immediately be removed from my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have violated my rights as a consumer regarding an open-end credit plan that is reporting late, this is unfair and very deceptive according to 15 USC 1666 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERICAN EXPRESS FAILED TO PROVIDE ME AN WRITTEN NOTICE WITHIN 5 BUSINESS DAYS BEFORE REPORTING THIS NEGATIVE INFORMATION ON MY CONSUMER REPORT. THE BASIS FOR MY DISPUTE IS AMERICAN EXPRESS WAS REQUIRED TO NOTIFY ME PRIOR TO, OR NO LATER THAN 30 DAYS AFTER FURNISHING THE NEGATIVE INFORMATION TO THE CONSUMER REPORTING AGENCIES IN WRITING .... Fair Credit Reporting Act Section 623, subsection ( 8 ) ( D ) FCRA, subsection ( 7 ) ( A ) AMERICAN EXPRESS IS IN FAILURE TO COMPLIANCE TO THESE LAWS, RULES AND REGULATIONS THEREFORE I AM NOT ASKING BUT DEMANDING AMERICAN EXPRESS TO DELETE THIS NEGATIVE INFORMATION THAT HAS BEEN FURNISHED ON MY CONSUMER REPORT IMMEDIATELY. AMERICAN EXPRESS ALSO DENIED AND FAILED TO PROVIDE ME THERE FINANCIAL RELIEF PROGAM WHEN I WAS AFFECTED FINANCIALLY BY COVID-19 outbreak.The CARES Act WAS PASSED ON XX/XX/XXXX to help the American people with the economic impacts of COVID-19 XX/XX/XXXX I WAS DENIED ON A LIVE RECORED PHONE CALL WITHOUT EXPLANATION. I WAS ELIGIBLE FOR THE PROGRAM BUT STILL DENIED WITH NO EXPLANATION LATER ON BEING ACCEPTED THEREFORE I WAS NEVER LATE AS I ATTEMPTED TO SEEK HELP UNDER THE CARES ACT TO HELP THE AMERICAN PEOPLE WITH ECONOMIC IMPACTS OF COVID 19. This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account. The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing ... that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement. Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me. To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account XXXX, XXXX account XXXXXXXX XXXX account XXXX, XXXXXXXX XXXX XXXX XXXX  account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX this accounts above 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX reporting a collection from Receivable Management saying that XXXX XXXX is the original creditor. I have never had a XXXX  account, I contacted XXXX XXXX  and they stated that they have no information on me ever having an account with them. I contacted Receivable Management and I was told they could not have it removed because they can't pull up an account without an account number and that nothing pulls up in their system from my name or social security number. This account does not belong to me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I strongly disagree with your investigation response. The following incorrect items still remain on my credit report, despite your investigation. I request an immediate re-investigation of these items for valid reasons. These inaccuracies are severely damaging to my credit score.

1. Validate Account XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 


Furthermore, in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide tangible evidence that the information was verified, rather than a computer-generated confirmation. 

Please provide the following : The names and business addresses of each individual you verified the information with above, so that I can follow up. 

The date on which you contacted the individual furnishers of information. 

The method of communication you used to verify the information. 

I would also like to know if the furnisher provided you with my SSN, address, or XXXX. 

Please send me an updated credit report once you have completed your investigation and made the necessary corrections. 

Your cooperation and prompt attention are legally required. 

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

I am writing to express my deep concern and frustration regarding the numerous unsuccessful attempts I have made to rectify the inaccuracies in my credit report, specifically in relation to a late open account. Despite my continuous efforts to correct this issue, my credit report remains inaccurate and negatively impacts my financial well-being. 

The specific issue I have been trying to address is as follows : There is a late open account listed on my credit report that inaccurately reflects my credit history. This error is severely affecting my credit score and causing financial difficulties.

I have made several attempts to dispute this inaccuracy by following the procedures outlined in the Fair Credit Reporting Act ( FCRA ). Each time, I have provided clear explanations and submitted supporting evidence to substantiate my claim. 

Unfortunately, my efforts have not yielded the desired results, and I continue to encounter the following issues : My previous dispute letters and supporting documents have not received a timely response, leaving me in the dark about the status of my dispute. 

The delay in addressing this inaccuracy has caused financial hardships and has adversely affected my ability to access credit and financial opportunities.

The presence of this inaccuracy continues to harm my credit score, making it challenging to secure fair lending terms and credit opportunities.

I understand the critical importance of accurate credit reporting for both consumers and creditors and am fully committed to working with your credit bureau to ensure the correctness of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me feeling frustrated and powerless. 

I kindly request that you conduct a thorough investigation into this specific inaccuracy, rectify it promptly, and provide me with timely updates on the status of my dispute, as mandated by the FCRA. 
Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, providing evidence of my earnest attempts to rectify this inaccuracy. I am asking for your assistance to correct the said late open account in 3 credit bureaus : XXXX XXXX XXXX Balance Owed : {$700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two accounts on my credit report for inaccurate information which is killing my credit score. 
XXXX XXXX has 2 ( one for {$540.00} and the other for {$1200.00} ) which I have the bank statements to prove they were paid on time every time. XXXX XXXX XXXX now owns them and when i tried to prove to them and Equifax and XXXX with the proof, they deny it and leave it on my report saying I never paid. I have tried since XX/XX/2018 to get them removed but nothing. I feel I need an attorney to go after all of them for the issue.
Product: Credit reporting or other personal consumer reports

XXXX, transunion, and XXXX  are all reporting inaccurate personal information on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX has violated my rights XXXX XXXXXXXX Account # XXXX  has violated my rights XXXX Account # XXXXhas violated my rights XXXX XXXX XXXX XXXXXXXX Account # XXXXhas violated my rights XXXX Account # XXXX*has violated my rights XXXX XXXXXXXX Account # : XXXX*has violated my rights Bankruptcy Reference # : XXXX violated my rights DPT EDXXXX Account # : XXXX violated my rights DPT EDXXXX Account # : XXXX*violated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXX*violated my rights DPT EDXXXX Account # : XXXXviolated 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 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX 
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Employer - XXXX XXXX  Employer - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged 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 XXXX XXXX XXXXXXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXXXXXX XXXX  IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX XXXX XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION XXXX!
Product: Checking or savings account

On XXXXXXXX XXXX  the owner of a salon charged me {$1100.00} for a Service I did not receive until XX/XX/XXXX. The service was a hair replacement and the salon absolutely butchered it and then refused to refund my money after Id been back three separate times for them to fix it. I disputed it with my bank because the merchant refused and it was disputed under quality of merchandise or services bc it was the worst hair Ive ever seen, yet my bank continues to deny said dispute stating that the transaction is valid, yes Im aware it was valid but nobody is saying it was fraudulent. The bank should not offer a dispute option of quality of services or merchandise if we can not dispute based upon that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is bothering! I have been sending letters of appeals and requests to the Credit Bureaus to remove these fraudulent items from my Credit Report, but despite all my efforts to establish communication with the Credit Bureaus, the Credit Bureaus have failed to respond to my letters. I have been also submitting complaints through the CFPB to have the Credit Bureaus attention for them to correct my Credit File. The last letter I sent was XX/XX/2022 with complete attachments of my personal information to prove to the Credit Bureaus that it is myself submitting these letters and complaint. Again, I was a victim of identity theft and the items I am disputing do not relate to any transaction that I have made or authorized. I have read that the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. I am now submitting this complaint to urge the Credit Bureaus to comply to their obligation and also to protect my rights which is clearly violated by the Credit Bureaus for their willful non-compliance of the FCRA statute. I need the following items removed now : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

In XX/XX/XXXX I checked my credit report and found a collection agency filed a collection report {$260.00} charge for XXXX services from an address in XXXX FL. I have never done business with XXXX or been to XXXX, XXXX XXXX XXXX FL. I have lived in XXXX XXXX FL for XXXX yrs. The collection agency is Sequium Solutions, XXXX XXXX XXXX, XXXX. XXXX GA. XXXX. I've contacted them 3 times by phone. They only want my SS #. Nope. Or immideate payment. Nope. They will not tell me how they connected my credit report with an address 300 miles from where I lived at the same address for 24 yrs. I never received any phone calls, ( same number 16yrs ) or mail ( same address for 24 yrs ) Obviously wrong person. I filed an ID theft report with XXXX XX/XX/XXXX, but have heard nothing back for 3 months. On XX/XX/XXXX I filed complaint with State of FL, as that is where action took place. I also file with the State of GA, to examine Sequiums business practices, as that is Sequiums home office. Also filed with XXXX. I am filing next with FCC against XXXX as the originator of the info to Sequium. Sequium has ruined my credit rating causing me to pay more for auto/home owners insurance. I can't get a new credit card. I sold my house in XXXX county and closed on XX/XX/XXXX. This may have made my name pop up. My belief is Sequium found numerous names near mine, with similar demographics, filed on numerous credit reports, hoping something will stick. No matter whose credit they ruin.
Product: Debt collection

DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. 

LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. 
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. 
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to 1STPROGRESSXXXX. I am writing to formally express my deep concern and disappointment regarding the lack of action taken to correct and remove fraudulent accounts that persist on my credit report. Despite my diligent efforts, the presence of these inaccuracies continues to impact my reputation adversely. On XX/XX/, XX/XX/XXXX  and XXXX XXXX, I submitted dispute letters to 1STPROGRESS/XXXX, detailing the fraudulent accounts and requesting their prompt correction. Regrettably, to date, I have not witnessed any substantive action taken to address these discrepancies. This prolonged delay is distressing, as I anticipated a swift resolution to ensure the accuracy of my credit file. To assist in your investigation, I have attached my Federal Trade Commission ( FTC ) report with the reference number XXXX. I believe this report provides additional context and evidence supporting the urgency of this matter. I am genuinely disappointed that the information on my credit report does not accurately reflect my financial history, as I expect from a reputable credit reporting agency. I trust that 1STPROGRESSXXXX  will take immediate and comprehensive action to rectify this situation and uphold the accuracy and integrity of my credit file.
Product: Credit reporting

I check my credit report and found that it have wrong information on there, so I contact equifax to let them open a dispute and told them this debt is not mines.They did the dispute, and inform me that they can not remove the debt from my report, because the company that put it on my report send them proof the debt is mine.I said to equifax to please provide me with your proof, equifax send me a document that did not have my name on there, I ask for a next dispute, after 4 dispute I ask for a supervisor, I told the supervisor of equifax the debt is not mine and I have been trying to get the company who is XXXX XXXX who put this false information on my credit report to send me some kind of proof that the debt is mine, the person at XXXX XXXX continue to give me the run around, I call left messages for day no call back, then this lady call back and said she will send me proof by email, I give her my email address, and I ask how long before I get back the info she said seven day, I said are you mailing it she said no it 's coming by email.I waited for 8 day no email just run around I reach out to her again same thing happen.I call back equifax and told them the problem they said they can not help me its up to XXXX.I said to the supporvisor you will allow a company to keep false information on my report and you did not see proof it 's my debt? Equifax said they ca n't help me, I would have to continue to reach out to XXXX. Equifax and XXXX have handle this station very poor in my book.Equifax allow XXXX to put fraudulent information on my credit report.The supporvisor said it nothing they can do to help me everything is up to XXXX.That is not fair at all and something needs to be done these big companies give the run around so you give up, not good on equifax and XXXX.I will up load information they send me that do n't have my name.Thank you