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

XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Account # : XXXX XXXX : Inaccurate information I reported this account was reporting inaccurate information. They still did not update the file correctly. I asked for this account to be deleted if it was not going to report accurately. I had several issues on my credit report. They also would not correct my name which is still being reported inaccurately. This account referenced above is showing two different date 's allegedly being reported from one source yet reporting different information. The " Date Last Active '' for XXXX  shows XX/XX/XXXX and the " Date Last Active '' on XXXX  is showing XX/XX/XXXX. I filed a dispute they changed some information but it is still not accurate. It is inaccurate and I would like it to be deleted from my credit profile as is does not meet reporting standards. 

XXXX Account # : XXXX I reported this account as showing inaccurate information. It is showing a late payment of 90 days on XXXX of XXXX. Yet on XXXX and XXXX of XXXX payments were reported on time. So the reported information reported shows that I was on time and then 90 days late. 

( Original Creditor : ) XXXX I attempted to correct this account and it stopped reporting the creditors name on my credit report. Also, they re-aged the account to show last active date as XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am submitting this compliant without any influence
Product: Checking or savings account

Our account was somehow manipulated to where someone took withdraws of {$2000.00}, {$2000.00} and {$1000.00} from the account. Wells Fargo said that since my wife had the debit card in her possession at all times, they would not refund our money.
Product: Money transfer, virtual currency, or money service

Not able to link bank account with XXXX service.
Product: Credit reporting or other personal consumer reports

The cards are reporting that they are over limit, credit usage increased and payments are behind. The problem us I have never had a Capital one Credit card and whenever I try to dispute the despute never gets resolved and they say information is correct which is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX 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 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I sent the following information on XX/XX/year> to the company ( XXXX XXXX XXXX ) regarding the illegal collection activities for the amount of {$15000.00} and got no response nor corrective actions on their part. 

Dear XXXX XXXX, I am writing to formally dispute the collection account referenced in my credit report and to address multiple violations of my consumer rights under federal law. The collection account in question has been placed on my consumer report by your agency without adhering to the required legal procedures. Below, I outline the specific violations : 1. **Failure to Provide Validation Information** : According to 12 CFR 1006.34 ( b ) ( 5 ), your agency is required to provide specific validation information to me as the consumer. Despite this, you have not furnished any validation information for the alleged debt, yet it appears on my consumer report.

2. **Lack of Opportunity to Dispute the Account** : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to a reasonable opportunity to dispute the account. I have not been given any such opportunity to dispute this account prior to it being reported to the consumer reporting agencies.

3. **Use of False, Misleading, and Deceptive Practices** : Your agency is in violation of my consumer rights by using false, misleading, and deceptive means to collect a debt. This is a clear infringement of the guidelines set forth to protect consumers from unfair collection practices.

4. **Improper Furnishing of Information to Consumer Reporting Agencies** : Your agency has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures by law. This is in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

In light of these violations, I am requesting the following actions be taken immediately : 1. **Removal of the Collection Account** : The erroneous collection account must be removed from all consumer reporting agencies.

2. **Cease and Desist Communication** : Your agency must cease all communication with me regarding this alleged debt unless it is to inform me that the account has been removed from my credit report or to provide the validation information as required by law.

3. **Provide Validation Information** : If you believe the debt to be valid, please provide all the required validation information in compliance with 12 CFR 1006.34 ( b ) ( 5 ). Please consider this letter as a formal complaint and request for investigation into the aforementioned violations. Failure to address these issues promptly will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. I expect a written response within 30 days from the date of this letter detailing the actions taken to resolve these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I sent a letter to the US Courthouse asking do they report Bankruptcies to the credit bureaus and I got a letter back from the US Courthouse stating " They do not report any Bankruptcies or verify any information with anyone. '' XX/XX/XXXX, I sent a letter to XXXX  Courthouse asking do they report Bankruptcies to the credit bureaus and I got a letter back from XXXX Courthouse stating " They do not report any Bankruptcies or verify any information with anyone. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681. 

US Courthouse tracking number : XX/XX/XXXX - XXXX XXXX attempt : I sent a Bankruptcy Investigation letter to XXXX XXXX XX/XX/XXXX, I got a letter back XX/XX/XXXX stating that the Bankruptcy was verified through the courts. I sent a letter XX/XX/XXXX to XXXX XXXX with court documents stating the courts does not verify nor contact the credit bureaus with any information, I asked them to delete the Bankruptcy. I get a letter back from XX/XX/XXXX from XXXX XXXX stating they could not identify my identity even after I sent proof of residency which they responded to me before when I contacted them. 

Here are my tracking numbers for the 1st attempt : XXXX - XXXX XX/XX/XXXX - XXXX XXXX attempt : I sent the same deletion letter out from the 1st attempt on XX/XX/XXXX letting them know this is my 2nd attempt with MORE Identity and residency documents like my ( Insurance Policy, Bank XXXX, Birth Certificate & Drivers License ). I get a letter back XX/XX/XXXX stating they VERIFIED through the courts. How is that possible. DELETE!!! 

Here are my tracking numbers for the 2nd attempt : XX/XX/XXXX - XXXX 15 USC 1681 section 603 ( 3 ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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: Debt collection

On XX/XX/2020 spoke to representative XXXX XXXX in regards to the convergent account # XXXX. I settled the XXXX debt of {$420.00} with an agreed upon reduced payment of {$210.00}. 

This representative told me the collection would no longer report on my credit reports. This is affecting my credit score and my credit worthiness. I have asked this company multiple time to handle this issue and take the account off my report. It is still reporting as a negative on my credit reports. 

I am asking this be taken off my credit report in FULL as agreed upon by Convergent Outsourcing.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX is refusing to provide me with account information that I AM ENTITLED TO!! The primary borrower has proven to be incompetent in managing this account thereby damaging my credit! ALL information that I have acquired in regard to this account is through disputes! Apparently the monthly payment has increased. I learned this via my Equifax credit report through a dispute this month! The primary borrower was duly notified. I WAS NOT! 
Also, XXXX continues to request a complete, unabridged copy of MY credit report! Please refrain from asking again for this information as any further requests will be considered harassment. The ONLY information that XXXX should be concerned with is the account that they are servicing!
Product: Debt collection

My complaint has two parts : 1. I found that I am a member of Amazon Prime. even though I don't make enough purchases on Amazon to justify spending for this service. I canceled my Prime membership about one month ago. 

2. I have an Amazon credit card from Synchrony Bank that I used for purchases about once or twice since Synchrony claimed that I would get a discount by doing so. I then began receiving requests for payment, which I expected. I responded each time by paying in full. I stopped using the credit card when I noticed that monthly requests for payments continued, even many months afterward. The amounts appeared to be somewhat arbitrary, ranging from 35 to 50 dollars monthly. I finally called Synchrony Bank on XX/XX/XXXX to request an explanation. They responded that the charges were for Prime membership and for interest charges. Ideally, I would like to receive a refund for the amount that I overpaid and that these monthly requests stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also hard inquires XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX  Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX & XXXX XXXX  All Banks XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 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 XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; COLLECTIONS : XXXX - XXXX {$12000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX  {$97.00} XXXX XXXX XXXX  {$180.00} XXXX XXXX XXXX XXXX XXXX {$230.00} INQUIRIES : XXXX XXXX XX/XX/22 ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing a formal complaint regarding repeated phone calls and numerous emails I have received from Access Receivables Management, located at : Access Receivables Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX The communications are in reference to an account that I have no knowledge of. Despite not recognizing or owing any debt to this company, I have been subjected to persistent and unsolicited contact, which has caused unnecessary stress and inconvenience. 

Under the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to dispute debts they are unfamiliar with and to request that debt collectors cease contact until the matter is resolved. I believe Access Receivables Management has failed to comply with these standards by continuing to contact me without providing sufficient validation of the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen, my personal information is incorrect. I notified XXXX, equifax, and XXXX more than 60 days ago. XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Need More Time I have given the following customer more than enough time, While investigating please remove these illegal transactions off my report. According to Equafax and XXXX have responded through the CFPB that they are investigating, while they are investigating the following account, those accounts need to come off until a proper investigation has happen, There has not been any proven evidence that these accounts provided clear and conspicuous contracts. I choose to opt out, I choose that you block this information from my report. I am requesting that the reporting of this information be blocked and deleted my request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transaction You are required to do what I'm asking and block these transactions from being report to my consumer report with 4 days from the date of the recepit of this notice. 


the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; NOW THE TERM PERSON defined by Congress means person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

Open XXXX XXXX XXXX XXXX XXXX Opt Out Permissable purpose Remove from credit report So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual. 
Which is an INDIVIDUAL ( me ), and the person making the REPORT which is ( the company name ) So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.
Product: Mortgage

My previous Mortgage Servicer, XXXX XXXX, placed me onto a repayment plan that started XXXX. My new Mortgage Servicer, Selene Financing, began officially as my new servicer XXXX. My first repayment was sent to them via USPS certified mail and Selene Financing has since stated that XXXX ) My home is in foreclosure XXXX ) They will not honor the payment plan in place with the previous mortgage servicer as they do not make arrangements of repayment for that many months of past due payments & that I will have to re-apply with them. Then I received a modification application from Selene Financing a few days ago, well over a week after the date it was due to be faxed back to them. This is after I had explained to them that I was not seeking a modification but that I wanted to stick to the repayment plan already agreed to with XXXX XXXX. 
I still have the XXXX payment ready to over-nite to them as they are the same as XXXX XXXX, in that you have until the last day of the month for them to receive it in the month that it is due. But I do not want to send it if they will not confirm and acknowledge my repayment plan made with XXXX XXXX that was already set prior to them taking over my mortgage payments servicing. Otherwise, they will just keep it and state that it is money owed but meanwhile continue on with the foreclosure process.
Product: Debt collection

I sent a letter to FIFTH THIRD BANK letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and FIFTH THIRD BANK refuses to delete the fraudulent accounts from my credit report stating in a letter it 's verified. FIFTH THIRD BANK provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion removed my XXXX ACCOUNT from my credit report without my permission and they should had NEVER REMOVED MY ACCOUNT. 
Please REINSERT my account back in my report. MY account is in good standing and under the fair credit reporting act it should SHOW in my report. I HAVE INCLUDED DOCUMENTS AS PROOF. 
PLEASE ADD MY XXXX ACCOUNT BACK TO MY REPORT.