23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX This is concerning a time-barred-debt from the year XXXX. Multiple collection agencies have harassed me from XXXX to current XXXX. 

Please see attached correspondence each time I have filed with the CFPB. 

Now for the second time Convergent has been calling me and leaving me messages in the months of XXXX, XXXX and XX/XX/XXXX, leaving me partial recorded messages with a number to call. I have refused this time to call them. 
Today, XX/XX/XXXX I received yet another letter attempting to collect on the same time-barred-debt as they did last XXXX XXXX. Please see their attached response ( Adobe doc ) telling me they are not handling the account after I informed them at that time it was time-barred. They were working for XXXX XXXX XXXX XXXX at that time. 
Now Convergent is representing XXXX XXXX, XXXX. The names change but the Time-barred-Debt does not. In fact its older now than it was five years ago when this circus started. 
I have attached every correspondence I can from XXXX through now XXXX including last years correspondence when 3 companies were trying to collect from me simultaneously. 
I want the calls and letters to STOP regardless of the whos who of the latest flavor of collection agency of the week!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 - I sent a certified letter to Equifax requesting removal of unauthorized inquiries from credit report. I also asked that if they are verified to provide proof of any documents showing my authorization for the inquiries. 

XX/XX/22 - Received response from Equifax stating that all inquiries were verified and will remain on my credit report. The response did not include any proof show my authorizations for the inquiries.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the XXXX account ( # XXXX ) on my credit reports with Experian, XXXX XXXX and XXXX. The discrepancies between the credit bureaus reporting regarding this account are significant and misleading. Due to these inaccuracies, I demand the immediate removal of this account from all credit reporting agencies and request compensation for the damages caused, along with a thorough investigation into these issues. 

Inaccuracies Identified XXXX. Date Opened : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. High Credit : Experian and XXXX : {$2100.00} XXXX : {$0.00} XXXX. Last Reported Date : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : Experian and XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Late Payment Reporting : Experian : Was 30 Days Late 1 Time ( S ). 
XXXX and XXXX : No late payments reported These discrepancies, particularly concerning the high credit, last reported date, date last active, and late payment status, indicate significant inaccuracies. The inconsistency in reporting a late payment by Experian, while XXXX and XXXX report none, is especially concerning. 

Violations and Impact The inaccuracies in reporting violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Such discrepancies can negatively affect my credit score and financial standing, leading to potential denials of credit or other financial difficulties.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.
Product: Checking or savings account

On XX/XX/2019 I asked my bank-Huntington, the XXXX Michigan branch-to stop payment on several auto payments to high interest loan companies. The manager told me they couldn't stop payments unless there was fraudulent activity on my account, but a lawyer from a debt consolidation company called XXXX XXXX told me all I had to do was tell the bank which payments to stop and the bank had to stop them. I'm asking them to stop  payments because I'm a XXXX vet with XXXX  and other issues and I need to assign a payee to handle my finances and the bank knows this. The bank phone number is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time filing a complaint with Equifax. I will be following up with the Consumer Financial Protection Bureau and filing a civil lawsuit for defamation of character. The following accounts listed below are fraudulent and I request that the information be blocked from my report. Under Section 1681c-2 of the FCRA, I meet all the requirements for a block of the fraudulent information on my report. My identification which is attached to this letter, a copy of my identity theft report, which is also attached, the information that I request to be blocked is listed below. This information is not relating to any transaction of mine. The accounts that are fraudulent on my report are listed below. There are more but the FTC report only allowed me to list 5. I have also attached a Notarized letter stating it is in fact me sending out this dispute. This letter will be sent certified with signature. I expect that the accounts be blocked within 4 days of receipt. It is illegal to do what youre doing to us consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone was using my information, THIS WAS NOT ME!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is validating information form a creditor that is false. I asked for credit applications, signatures, bills etc from the creditor, they did not produce them and XXXX validates bogus information. 

They also report on things that were paid off and do not update. properly. They also will not let me re dispute, so it stays on my good name without any recourse to them.
Product: Credit card or prepaid card

In XX/XX/2022 I was going to put money on my card and relized it had expired in XX/XX/2022 I never received new card before expiring Been american express at XXXX XXXX XXXX to get the card i never received, and all the wont is {$20.00} to expited the card in mail, I should not have to wait 7-10 days to get card or pay this fee, they are at fault, I have call numerous times to get this card, and they do not want to send it This is the first time I have had this kind of problem with getting my card I can use I have late fees on my bills because of this, insufficient charge cause card is expired When I try to speak to a higher supervisor I get put on hold for over an hour, and noone comes back to phone line These people are rude and dont care when you try to get card that was never received all they want is that {$20.00} The only contact info about contacting them is in my call history on my phone
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, i recently check my credit report because i am trying to get a house for my family and i saw a few accounts on my profile that i have no idea about XXXX  XXXX XXXX and XXXX. There are a good amount of credit inquires on my credit without my knowledge, It was done by fraud because i did not authorized them. I reach out to the credit bureaus regarding these accounts and they explain to me that i need an FTC report. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself. I am asking that these accounts be delete from my credit report as soon as possible
Product: Money transfer, virtual currency, or money service

I want to add a bank to withdraw my money, but I can't increase the bank, and I can't get in touch with paypal Link a bank account Theres a problem with your account. Please go to the resolution center so we can help you resolve this quickly. 
My mailbox XXXX XXXX
Product: Debt collection

Account with XXXX XXXX XXXX was opened XXXX XXXX, XXXX for XXXX XXXX XXXX in the amount of {$270.00} and this account is due to identity theft from my ex husband who used my social security number without my permission or knowledge. I have disputed it multiple times on my credit to no resolve or contact from company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed I CFPB and a Fraudulent report stating this account isn't mines. These creditors will not provide me any information stating these account are mines and I advised them that this was opened up fraudulently.
Product: Credit reporting or other personal consumer reports

Back on XXXX XXXX, and there after I've sent letters disputing Incorrect personal information contained on my XXXX credit profile. I have not received nothing but Stall letters from XXXX stating that they need to be sure its me disputing these items According, as per FCRA, you were required to conduct a reasonable reinvestigation and delete the disputed information as I requested before the end of the 30-day period. I HAVE BEEN A FRAUD VICTIM OF FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. THIS ALERT started XXXX. I've sent multiple letters asking them to reinvestigate these accounts listed below that are reporting inaccurate. 


Clearly, they have willfully, failed to delete the disputed information as I have requested [ JPMCB CARD Collection/Chargeoff Account # XXXX ] XXXX personal information. This account is not accurate and should be deleted. 

[ XXXX XXXX XXXX XXXX Account XXXX XXXX ] Incorrect personal information. This account is not accurate and should be deleted [ XXXX XXXX XXXX XXXX Account XXXX XXXX ] XXXX date is not reported correctly. This account is not accurate and should be deleted [ XXXX XXXX XXXX XXXX Account XXXX XXXX ] XXXX date is not reported correctly. This account is not accurate and should be deleted [ XXXX XXXX XXXX XXXX. Collection/Chargeoff Account # XXXX ] XXXX date is not reported correctly. This account is not accurate and should be deleted [ XXXX XXXX XXXX XXXX. Collection/Chargeoff Account # XXXX ] XXXX date is not reported correctly. The amount reported is not accurate. This account is not accurate and should be deleted I have reported this information to XXXX and have not received a response back. 



Incorrect information on my report Sub-issue : Account information incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

FCRA states that negative information about late payments can remain on a negative credit report for up to XXXX years from the date of first delinquency. This date is the first time a payment was missed. TransUnion file number XXXX has an account with adverse information. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX through XX/XX/XXXX were a continuous string go late payments. These late payments were legally supposed to be removed from my file in XX/XX/XXXX. I have disputed with TransUnion and they say they have investigated. Late payments as well as on time payment history was omitted from my file, which has caused damage to my credit rating. XXXX XXXX XXXX have an obligation to complete and accurate reporting. this account is neither complete nor accurate and I am seeking remedy. XXXX XXXX account was opened XX/XX/XXXX and last updated XX/XX/XXXX. Kindly assist, in holding TransUnion and XXXX XXXX liable for their subversion of the law. Thanks!
Product: Credit reporting or other personal consumer reports

I asked for the incorrect information to be removed and the information is still there
Product: Vehicle loan or lease

I made payments to Chrysler capital in advance. They applied the payments to the principal and not actual payments and applied late fees for the months that were paid in advance. I contacted customer service and supposedly the corrected the issue and removed the late fees. However I keep receiving bills stating I still owe the late fees
Product: Credit reporting, credit repair services, or other personal consumer reports

UN-AUTHORIZED INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The debt in question here does not belong to me as the address listed is not an address I have ever lived. Meaning the address is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, SANTANDER CONSUMER USA has Violated my rights. 15 U.S.C. 1681, Sec 602A States I have the right to my privacy. 15 U.S.C. 1681 Sec. 604A, Sec. 2 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

Hi CFPB customer care With XXXX XXXX XXXXXXXX XXXX XXXX  account number XXXX I requested that my funds were going towards my mother medical bills during XXXX and also during pandemic XXXX my grandmother died and I have to cover funeral cost, hence i opted thier financial plan for few months I have covered most of them and even after requesting late payments were reported these accounts in the EQUIFAX, XXXX AND XXXX CREDIT report and even closed my credit card account as well. I requested XXXX XXXX XXXX XXXXXXXX during XXXX and XXXX via many good will letters to remove late payments as well to reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks under following fields Account closed by credit grantor '' and also " worst payment status information as well " on EQUIFAX, XXXX AND XXXX CREDIT reports as well late payments reported in EQUIFAX, XXXX AND XXXX CREDIT reports associated with these XXXX XXXX XXXX  credit card account .please consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation
Product: Credit card or prepaid card

On  XXXX   XXXX ,  2017  our credit union sent a payment t o Capital one   XXXX .  XXXX   XXXX   XXXX , NC  XXXX . The amount was  XXXX . That check was lost. We attempted to have the company find the check with no resolution so we had the credit union issue a second check, same amount this was sent   XXXX   XXXX   to obtain a signature. That was received and signed for but the check was never applied and we can only assume it was lost? The company has done nothing to remedy this situation and is threatening to report the late payment to the credit bureau which will affect our score.
Product: Debt collection

I have sent SEVERAL certified letters to Portfolio recovery that I can prove that was signed for asking for proof of the amount of debt owed for this loan. They continue to send me original purchase documents from the day that the vehicle was purchased rather the the final sale documents from which the car was sold at the auction. I was never provided with the date of sale or the sale amount of the car from the original creditor XXXX from which has been deleted from my credit report as they were unable to provide me such documentation. Portfolio recovery has purchased this 6 year old debt from a 3rd party source and is now trying to collect from me, but unable to provide me with information that I am requesting.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX EQUIFAX Account Type : Credit Card I am writing under my rights granted by the Fair Credit Reporting Act ( XXXX U.S.C XXXX XXXX ) and the Truth in Lending Act ( XXXX XXXX. XXXX ) to dispute inaccurate and unverifiable information that appears on my credit report regarding the account I hold with [ creditor name, e.g., XXXX  XXXX XXXX ], which has been marked as a " charge-off. '' Upon reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, XXXX, and Equifax ) : XXXX : Highest reported balance : {$4200.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' XXXX : XXXX reported balance : {$0.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' It also states that the account was closed due to inactivity. 

Equifax : XXXX reported balance : $ XXXX balance owed : $ XXXX status : Closed, reported as " Charged off, '' and notes the balance was " reported as a loss by the creditor. '' These discrepancies show significant inconsistencies between the credit bureaus, particularly in regard to the high balance amounts and account closure reasons. According to XXXX, the account was closed due to inactivity, while Equifax indicates it was reported as a loss by the creditor. Furthermore, XXXX provides different information about the high balance. This inconsistency violates the FCRA ( XXXX XXXX. XXXX ( b ) ), which mandates that credit reporting agencies ensure maximum possible accuracy when reporting consumer information. 

Additionally, under the Truth in Lending Act ( XXXX XXXX. XXXX ), I am entitled to clear and accurate information about my credit obligations and payment history, which is currently not being accurately reflected due to these discrepancies between the credit bureaus. 


I am requesting that, in compliance with the FCRA and XXXX, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The conflicting data between the bureaus demonstrates the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and inaccurate information for your reference. 

Thank you for your prompt attention to this matter. I look forward to your quick response.
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. 
I told XXXX, XXXX, and Equifax to reinvestigate these inquiries : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Finance Reseller XX/XX/XXXX Experian XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX
Product: Bank account or service

There was an unauthorized charge on my checking account and my financial institution authorized it and said that it was my financial responsibility.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian in reference to late payments on my account and violating my rights per the FCRA. In my dispute I cited the following laws : Section 605b-It is illegal to report information on my credit report without my permission 15 USC 1666 ( a ) -A creditor may not a payment on a credit card account under an open end consumer cred it plan as late for any purpose. I informed this this was inaccurate and incorrect to be on my credit report. Experian completed their investigation and informed me that " The incorrect account with XXXX XXXX has NOT been changed and will remain on my credit report '' is what was written The same was stated with XXXX XXXX. In their response they admitted to violating my rights by stating the " incorrect account '' which means it is in accurate The accounts that was in dispute are : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

The below listed company has placed a collection on my credit bureau reports in the amount of XXXX owed supposedly to " XXXX XXXX ''. I do not owe any such debt and I am asking that this company be fined for putting false information on my credit report. 

1. I have lived in Arizona for 6 years and there is no XXXX XXXX company here.

2. I have been the victim of identity theft several times from 2009 to present. I was an XXXX XXXX service member and my social and information was stolen and also hacked into several times. 
3. I'm enclosing the latest police report to show that I continue to be a victim of identity theft.

4. I want this removed from all credit bureaus immediately! 


DIVERSIFIED CONSULTNTS XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX