23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Synchrony Bank XXXX XXXX card ) refused to update account to correct information. They are re-aging the account, and not updating date of first delinquency to XX/XX/XXXX. They have repeatedly lied to me saying that the account is in-statute, when it has became out-of-collection statute in XX/XX/XXXX. They lied and said that the debt was collectible until XXXX, which it is not, due to a XXXX  year collection statute in both California and Pennsylvania. When I repeatedly asked them to update their system correctly ( filed over a XXXX  complaints with them ) they refused to do so.
Product: Credit reporting or other personal consumer reports

According to USC 15 1681s-2 : A person s shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, according to USC 15 1681 and USC 15 1681B-1 : I have a right to privacy ans the credit bureaus do not have written permission. 
My Equifax report has been violated by Equifax as well as XXXXXXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts.Sunrise credit service {$1900.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$XXXX}. These account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the collection, or hard inquiries as reported. The aforementioned collection, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collection, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit collection, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am filing this complaint against the 3 major credit bureaus. 

I disputed the accuracy of a XXXX XXXX account XXXXXXXX. 

All three are reporting different variables The follwing information is reporting wrong : Date Opened : XXXX XX/XX/XXXX Experian   XX/XX/XXXX XXXXXXXX XX/XX/XXXX High Credit : XXXX {$1000.00} Experian {$0.00} XXXX XXXX$41.00} Credit Limit : XXXX {$1000.00} Experian {$1000.00} XXXX   {$0.00} Last Reported : XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX Comments : XXXX : Charged off as bad debt Canceled by credit grantor Experian : Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
XXXX Charged off account Accounts closed by credit grantor Date Last Active : XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX   XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX  XX/XX/XXXX The information above should be the same across the board. There should be no difference any of these factors. The FCRA clearly states items on a credit report needs to be reported as 100 percent accurate. If not not they should be deleted I have attached a copy of my report showing the in-accurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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 XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX
Product: Debt collection

XXXX XXXX has my sons insurance information ( minor at the time ) However, insurer stated XXXX XXXX did not bill them. 

XXXX XXXX  stated insurance would cover visit. 

After my sons visit, XXXX XXXX sent me a bill owing full amount ( in violation of the Surprise Billing Act ). 

Also, I have a court order stating that ex-husband is to be billed if son isnt covered. 

XXXX XXXX refused to abide by court order and refused to bill insurance company. 

Patient First sent bill to a collection agency., Receivables Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA XXXX XXXX XXXX. In addition, the bill skyrocketed from XXXX to XXXX. 

Receivables Management ignored the court order and know XXXX XXXX has refused to send bill to insurer. 

XXXX stated XXXX XXXX did not send them a bill. 

Ive disputed the collection in writing XXXX. I received another statement on XX/XX/24. 

Ive attempted to call by phone on XX/XX/24. Their phone line disconnected me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I made a purchase for roughly {$12.00} on my XXXX credit card. Shortly thereafter, I moved to my parents ' home for a few months to help them during the early stages of the XXXX shutdown. At this time, I did not receive mail bills, and the email bill of my statement for my XXXX XXXX through XXXX XXXX, were sent to my spam folder of my email inbox, as I had not made a purchase on this card in a significant period of time. 

When I returned to my home and, I noticed that I had received the item and realized I had not made a payment on this account or received a bill. At this time, it was XXXX. I searched through my spam and finally found the billing statements, and made the payment immediately, including the late fees, which totaled roughly {$90.00}. 

XXXX reported my delay in payment to the credit bureaus, and the long delay caused a significant decline of more than XXXX points to my credit score. For this decline, my credit cards at XXXX XXXX, which are completely unrelated to my XXXX XXXXXXXX card and for which I have always made on-time payments and had low utilization, were also decimated. 

Over the XXXX XXXX holiday weekend, without any notice, my credit limits declined to 10 % of their original levels, and between XXXX credit cards I now have {$150.00} and {$250.00} limits. Multiple transactions were declined and I was sent into a tailspin, panicking that I had fraudulent activity on my account. I could not reach XXXX customer service due to the holiday, but as soon as I could I called customer service, and set up multipel appointments at my local bank. The banker I spoke to at XXXX was shocked at my unrealistically low limits, saying he had never seen anything like this and didn't understand the change, but could not change it for at least XXXX months. For reference, when I was a senior in high school, I had a limit of {$2000.00}, and I am now a XXXX at a large company. XXXX refused to increase my limits, rendering my cards effectively useless and making it very difficult for me to rebuild my score, as purchases would raise my utilization, further hurting my credit score and creating a vicious cycle. 

I was denied a new credit card at XXXX XXXX  because my credit score is now below XXXX, a level it has never been in my life. 

I have reached out to XXXX in an attempt to remove this item on my credit report. I have reached out to the credit bureaus to dispute this item and to provide explanation. I have tried to work with XXXX to find resolution to their unfair and dramatic decline in my limits, but was told I have no available options. 

I am now trapped in a cyclical issue where I do not have enough of a credit limit to rebuild my credit, no way to get a new credit card to expand my credit, and no option to resolve my prior issue, the only late payment I have ever made on any credit card throughout my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my feedback from Complaint XXXX, Experian keeps harassing me about my dispute of personal information that should not be a fact in controversy. Once again, Experian has chosen to send me updates on what I can already presume to be the one giving rise to the aforementioned complaint, closed without the lawful resolution of changing my birthdate without question or pause. My mental health has been so badly taxed, that I can not bring myself to state the facts as shown and showable in my photographic evidence of continued wrongdoing. 

Experian 's nonanswer in the previous complaint calls for enhancement of the charges beyond my corresponding argument therein. The fact that my birthdate _could_ be falsified stands as the biggest problem is.this matter ; my birthdate is static, and can not change at anyone 's whim ( even my own! ). By inventing controversy on impossible grounds, Experian terorrizes me and obstructs justice in matters of no concern to Experian, despite their assistance in thwarting XXXX XXXX XXXX University 's extortion attempt from earlier this year. Experian 's present obstructions distract me from even pursuing claims of extortion and malicious prosecution in a way that acts on the same XXXX, on which University personnel have terrorized and discriminated against me, and have allowed my student constituents to discriminate against me ( even prior to my election as XXXX XXXX XXXX, and as an appointed XXXX  XXXX during XXXX ). Despite Experian 's actions in doing the right thing in light of its own interests as a matter of consumer protection law, Experian 's misconduct at present reflects the United States ' deliberate indifference to the interest of justice, as concerns the University 's crimes against humanity. 

This action shall act shall have had the same effect as a cease and desist letter. Hence, with this complaint, I am prepared to charge Experian with tortious interference, and I order the United States in my authority as a member of the People to assist me in these matters for once. Federal insubordination can be cured by compliance and the institutional courage to admit the United States ' wrongdoings, and do its part to ( help me ) confront my wrongdoers ' unconstitutional behaviors violating my human and civil rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting this inaccurate report. XXXX and XXXX have deleted this account please delete this from Equifax its causing financial harm on my credit report
Product: Credit card

BMO platinum credit card claims I have a balance of {$2.00} but I never received this card or signed up to open this card. When I call the XXXX XXXX number that came on the statement they mailed to me. Theres a weird dial tone with lots of In-N-Out like its out of country. The XXXX number was XXXX.
Product: Checking or savings account

I had money missing from my account, I was never notified fees accumulated and I tried to resolve the issue and dispute it knowing it was unauthorized transactions and activities going on, but they wasnt trying to hear me out. I really think it was an inside job or scam going on this happen within the year of XXXX. I was younger never knew too much about a back account. I was staying in XXXX nc, had just relocated and the job I was working at refer the bank because thats who they banked with. That we can open up an free bank account. My account and information was tamper with. I have seen my information leak on the black web and the source where it came from was Wells Fargo.
Product: Debt collection

Transworld is reporting a debt that has not been verified. I sent a ertified letter to Transworld over 30 days asking for verification of the original debt but have not received any verification from the company.
Product: Credit card or prepaid card

I have no kowdeldge of this account I have never done any business with this creditor. Please remove this account from my consumer report per to failing to comply with 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

This is a follow-up to my previous CFPB complaint, regarding a misreported debt by LVNV Funding LLC XXXX In my initial complaint, I noted that the original creditor was not disclosed, and the account had been improperly re-reported after removal. I have since obtained more information confirming that the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX ), and LVNV Funding LLC is falsely reporting an Opened Date of XX/XX/year>, making it appear as a new debt. 

This re-aging violates the Fair Credit Reporting Act ( FCRA ), which limits the reporting period to 7 years from the original date of delinquency. The false reporting has caused a XXXX drop in my credit score and is damaging my financial standing. I request immediate removal of this account and restoration of my credit. 

Please reference my original complaint ID for context, as this submission includes updated details and evidence. 

Previous CFPB Complaint ID : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I tried to delete the information that did not belong to me in my credit report, this account was opened fraudulently and they are still reporting on my credit report, these are the accounts XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I try to delete this and Transunion dont send me my credit report, and still reporting incorrectly on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Craccept/cac XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I never authorized any of these
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : - XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$25.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$400.00} XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$70.00} XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$150.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Balance : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX : {$2300.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Transunion. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account name : XXXX XXXX Account number XXXX Late payment Date : XXXX, XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 

Requested Resolution : I request that Transunion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I tried to resolve this dispute with the actual company and I never received results. I went to my bank Chase and told them that I tried to resolve the dispute and did not receive results. I told them that I don't know how many charges that I have with this company. I asked if they could look through and let me know. So they told me the charges I had but didn't tell me all of them. I didn't realize that I had charges since last year. Chase told me that I didn't have to sign the normal forms because of the pandemic, however when I got them in my secured message I did so. I was told that I would receive a credit in 24-48 which I never did. I called back and was told that my claim was denied because I didn't put all of the charges. I filed a report with XXXX someone called and actually submitted all the charges. After that I received {$580.00} out of about {$3500.00} I had so many different people calling me until I got completely confused. A lot of people from overseas. I have already been a victim of identity thief. Someone called me last week from Chase when I answered I just heard background noise so I hung up. First I got a messages that I needed to provide more info but they didn't tell me what. Then I called and was told that I needed to sign a paper that I signed in XXXX of XXXX. The next day I received a message saying that my claim was denied again.
Product: Checking or savings account

I am filing this complaint because I did not authorize the transactions in question, and I believe my account was compromised. Truist 's investigation concluded that the transactions occurred in the same area, which they claim is indicative of authorized activity. However, I have explained that my account was likely hacked, and the hacker could have used a VPN or other technology to obscure their location, making it appear as though the transactions occurred in the same area. 

I have no knowledge of or involvement in these transactions, and I firmly believe that they were fraudulent. I request that Truist reopen the case, as I did not authorize the disputed transactions, and I am seeking a full resolution to this matter.