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

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to follow up the previous CFPB complaint I submitted requesting the correction and update of the erroneous accounts being reported on my Credit File. When I checked my credit record, I discovered a billing problem reported by some of the accounts on my Credit File. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Please remove the late payments from these accounts to appeat accurate information on my Credit File. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX XXXX Balance {$54000.00} XXXX XXXX XXXX  XXXX  XXXX Balance - XXXX XXXXXXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX. I also noticed that there are unauthorixed inquiries being reported on my Credit Report. AS far as I remember, I did not initiate these inquiries. Under the Fair Credit reporting Act, I am requesting that you remove the following inquiries from my Credit File as soon as possible : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX R XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. In any case you believe that the disputed accounts and inquiries are accurate, I am requesting that you send me copies of proof of verification from your investigation. If you can not support your claims, immediate correction or removal of the negative marks on my Credit File is greatly appreciated.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$27000.00} DEPT OF ED/XXXX XXXXXXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

The inaccurate accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed an account reported by XXXX XXXX XXXX on my file Experian maintains under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have since discovered that the item has been reinserted on my credit report and Experian failed to notify me at all of the re-insertion. I contacted Experian on XX/XX/XXXX to dispute this re-insertion without notification and they updated the results and re-aged the account and reported non-payment on the account, which I am no longer liable for. This account causing a significant decline in my credit and their actions are a serious violation of FRCA policies.
Product: Credit card

I have a balance of {$920.00} on a card i paid in full now i received a bill for {$17.00} as a bill to paid when I called custumer service they dont want to remove it, I dont think its fair if I paid the full ammount of my card, then you send a bill whyle there is no ballance left on my account due date is XX/XX/24 XXXX XXXX
Product: Checking or savings account

Bank of America offered a {$300.00} bonus if requirements were met. They have refused to issue the {$300.00} bonus and i have spent hours on the phone with them.I have met the requirements and have gotten nowhere. Terrible company ... AVOID AVOID Account was opened XXXX 2020 ... I have direct deposited the {$4000.00} as the promotion stated and maintained it. I have my bank statements for proof if needed.
Product: Credit reporting or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 16810 ) if you fail to comply with Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX such authority.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX on XXXX XXXX, 2017 that requires payments to be made for {$1700.00} for 36 months. 

The dealer who sold me the car lied to us about tire and wheel coverage and when presented with the facts agreed to refund the cost of the policy in the amount {$1900.00}. 

They would not issue me a check directly but sent the money to BMW Financial who promptly posted it as a credit to my account. They produced a statement reflecting that i would owe nothing for the month of XX/XX/XXXX and had a rollover credit of {$260.00} for the next month. 

Regardless they still took a payment of {$1700.00} on XX/XX/XXXX Their explanation to me was the billing system and the auto-pay system do not talk to each other. I control neither system, they are XXXX 's systems. 

These two systems ought to speak to one another to avoid this and the potential O/D charges and credit report impact that their outdated systems create.
Product: Debt collection

The company involved is Delta Management Associates Inc., located in XXXX MA. 

I have received several harassing calls and letters from them over the past several months. Last Friday, XX/XX/19 they called the receptionist at my place of employment. The call was forwarded to me, where I informed them not to call my work number, and that I am not allowed to take personal calls at work. I explicitly told them not to contact my employer, or to contact me while at work. 

This afternoon, XX/XX/19, one of my HR representatives informed me that, directly defying my request, they had sent a fax to my HR department, requesting private information about me, including my social security number, dates of employment, my employer 's federal tax ID, payroll address and information, and my hours/status at this job. My HR representative was extremely uncomfortable, and asked me to tell Delta again to not contact us. 

I would like to send a cease & desist letter, given the sheer amount of calls, and contacts to me, my friends, family, and employer, but I do not want to risk a lawsuit. I do not want to deal with Delta Management any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following items inaccurately. This violates the FCRA. If I must, I will take legal action if they are not responsive to you but I want to create a paper trail. 

XXXX XXXX what bankruptcy XXXX XXXX XXXX what bankruptcy
Product: Debt collection

I did not receive a notice of the right to dispute the debt XXXX claims that I owe. I have disputed the debt multiple times, recently over the last year, and have only received a notice saying that they have validated the debt and will not dispute it again. They completely left me " in the dark '' to take their word for it that the debt is valid, without providing any documentation. Where is my hard copy documentation? How did they validate a debt? Where is proof of the balance? Where is the payment date proof? During XXXX of my attempts to dispute the information via the credit bureaus, XXXX XXXX XXXX even sent me a letter offering me a settlement amount, DURING a dispute, and according to my credit report ( which they say is valid without providing proof ) is PAST the statute of limitations. After disputing the debt account with the original creditor listed, they removed the account from my credit, but portfolio recovery associates refuses to respond properly to my dispute efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2016 Account type Auto Loan FCRA violations if it cant be fixed must be removed Law disputed this item over 45 days timed allowed XXXX XXXX is in violations of FCRA and Fair DEbt 4 ) " Credit bureau '' means a person who, for compensation, gathers, records, and disseminates information relating to the creditworthiness, financial responsibility, and paying habits of, and similar information regarding, a person for the purpose of furnishing that information to another person. 
attach are case studies they have been in Violations of quite some time
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting .are reporting time barred reporting on my credit report, statue, a limitation states seven years it is past seven years. XXXX. XXXX XXXX has removed this report. XXXX XXXX # .Ive asked Experian for records of dates they may have on file.no response well as no paperwork..they have never sent me nothing in the mail nor contacted me in this regard.
Product: Payday loan, title loan, personal loan, or advance loan

Im looking for these accounts to be addressed as paid settlements on my credit report, which I dont see as been paid. Thank you.
Product: Debt collection

XXXX XXXX has sent another debit to XXXX XXXX XXXX. I have already filed a dispute in the past that the XXXX debit is not authorized by me. My oldest son had falsely opened the cable account in my name. I'm getting frustrated that they keep sending this account to collections and I have proven that I am still a current user with charter and that account was not opened by me again.
Product: Payday loan, title loan, or personal loan

Received an inquiry on my credit from XXXX 
And immediately contacted the company notifying them that the information they had was stolen. Asked them to stop the loan process immediately because I had not requested a loan from them. They ignored my request even though my credit had been flagged as fraud. This appears to be an end of the month quota case by refusing to cooperate. I called them several times with a detective and they assured me that it went to fraud and my account was labeled fraud. 
Now I have a {$25000.00} personal loan charged against me. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with capitial one and conmuucating with capitial one they wony grant me a goodwill adjusment.

They say they report indsr the fsir credit report act but yet there is still innacurate information..

I requested capital one to send me a full investagation om what theu found but theu cant And according to FRCA 623 ( a ) ( 8 ) E and 16 CFT 660.4 they have to provide me what I asked for or delete from my credit report I do have phone recording of people from capitial one excutive team telling me they have a disoute team that handle duspute but we cant talk to them which vilotes my consumer laws
Product: Credit card or prepaid card

Amex customer service was very unhelpful on XX/XX/XXXX and today XXXX XXXX, I tried to restored my credit limit that was decreased from XXXX to XXXX due to a " credit review '', I called to see if the notes they made in janurary were in good standing but no they said it end XX/XX/XXXX and there was no possible way for them to override it, when we all know that's XXXX, they wanted mutlipe of other docs but I shouldn't have to do that when I been with them for over 5 yrs
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, XXXX XXXX, XXXX I requested that Transunion XXXX XXXX items from credit report. 
The items are for the same amount from the same company from same date. 
XXXX XXXX {$730.00} XXXX/XXXX/XXXX according to report ITEMS APPEAR TWICE!!! 

XXXX XXXX {$730.00} appeared on my credit report for no reason. I have never heard of them and have never recieved any notice from them and I have requested all from them. 
Transunion is aware of this and still will not remove. I am aware of companies doing this type of things due to the fact I was in a horrific car accident when a drunk driver nearly killed me in XXXX, medical bills were placed on my credit reports. In XXXX I was granted a very large settlement and all the medical bills where paid by insurance and removed from credit reports. I assume this a company that looks for people in this postion and hopes they will pay, I WIILL NOT PAY!! Please advise as quickly as possible. 
I have documention of all of the above should you require it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX Account # : XXXX This particular account isn't reporting properly on my TransUnion credit report. The account balance and credit usage isn't being reported properly. I spoke to a representative from XXXX XXXX and they stated that there sending updated info to TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a call from sears credit ( citi bank ) stating my account was past due ( by one day ) and if I wanted to stop receiving call I had to pay right away, so i paid with my bank card. ( canceled my card as well ) Problem solved, or not. In XXXX I applied for credit through woodmiser and was denied to low credit score, after receiving my credit report I noticed it dropped because sears credit says I missed XXXX 's payments. Yes the one I paid over the phone on my bank card. I called sears credit and they said the money was put towards the wrong account. They would refund me any late payments if they felt it was due. 2 weeks later I received a letter stating they there not doing anything about it it was reported as it should be. I called sears back talked to a manager ( eventually ) and " XXXX  '' said there was something wrong he'd have his " team '' look into it and get back to me within 3 days. That was 2 weeks ago. I disputed this the XXXX XXXX and it was deleted, now it seems im supposed to do this what the other 2 credit reporting agencies then if its not fixed by the reporting agency. Then I get turned down for credit then I have a suit against sears credit, the first words in fair credit reporting act is " fair ''. If there not responsible for there mistakes and I'm the one that needs to fix it please explain how that is remotely " fair ''. My score dropped nearly 80 points, it affects my interest rate on my credit cards. I was denied credit because my score dropped and sears doesn't have to do anything about it.
Product: Debt collection

I started receiving these phone calls about three months ago. It was the Synchrony Bank call center as far as I can tell. I asked why they were calling me. The answer is always " give us your account number or we can't help you ''. I haven't had an active account with them for six years. I did not have any account information as I had disposed of it years ago. I started by just ignoring the calls. They kept coming. I called back. NO solution, no help at all. I started blocking the call center numbers. They kept coming. I have asked to speak to a manager of some kind. They can't do that. I have been hung up on repeatedly, I have 18! voicemails from just the last couple weeks. I spent six hours on the phone with them on Thursday, XX/XX/2021. I have been told repeatedly " don't worry you won't receive any more calls ''. Last Thursday someone tried to tell me my XXXX XXXX XXXX mother, that lives across the country, had to do a conference call with them because it had to do with her account. My mother paid off her account years before I even had one. I suffer from XX/XX/XXXXandXX/XX/XXXXproblems to the point I am on XXXX and can not work. The XX/XX/XXXX this is causing me is affecting my life. I can't get any solution with the company. I deleted the only text I had gotten from them about owing some company I had never heard of much less bought anything from. They have also tried to tell me I have more than one account but won't explain to me who is using it and for what. I'm extremely confused and frustrated! I just want it to stop. Care Credit and Synchrony Bank will harass you until you die even if you don't owe them. One more thing, now when I call back they ask if this account holder is in Nevada. I've never lived in Nevada.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Legal Department XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Request for Permanent Removal of Inaccurate Accounts Dear Experian Legal, I am writing to formally dispute the inaccurate accounts listed on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. These accounts are incorrect and must be permanently removed from my credit file immediately.

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to investigate disputed information within 30 days. However,
due to the significant financial harm I have sufferedincluding denials for auto loans, credit cards, and increased interest ratesI demand that you remove these accounts within five ( 5 ) days of receiving this letter.

Furthermore, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain maximum possible accuracy in consumer reports. Your failure to ensure accuracy is a direct violation of my rights under federal law. Should you fail to remove these inaccurate accounts within the specified timeframe, I will be forced to escalate this matter through legal channels. Under 15 U.S.C. 1681n and 1681o, I am entitled to seek damages for willful and negligent noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had paid for a month for Experian and I wanted to follow up on some disputes on my report cuz I have so much incorrect information of mine and I also have been a victim of identity theft for years and XXXX didnt do nothing about it years ago and now Experian is doing the same and I cant take it no more because I have no credit I paid some accounts thats not mine I have disputed more and I cant even get a loan or credit card OMG! I lost my family my job and everything because of this identity theft please take a look at my credit report and tell me if you need some information I can provide you please please please help me I dont know what to do and this is my last option