23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2024 Account XXXX/FORTIVA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX To Whom It May Concern, I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also with a PAST DUE BALANCE of {$530.00}. 
This is a violation of requisite METRO2 Complaint reporting standards. 

According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please IMMEDIATELY remove the account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion. 

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

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( XXXX ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( XXXX ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Debt collection

A collection account was placed on my credit report on XX/XX/2021 by a company I have never heard of nor done business with. I never received anything in writing regarding this supposed debt collection account. I have tried contacting the company but and placed on hold for prolonged periods of time. They state that the debt is reported as mine and that they can not do anything to help me even though I have informed them that I have never heard of this company before.
Product: Credit reporting

I have been the victim of identity theft on XXXX occasions in the past year. 
XXXX have been cell phone fraud and the latest has was credit card fraud. 
I have frozen my reports with the XXXX major credit bureaus and seek to freeze my LexisNexis report because they furnish cell phones companies with information about me. 
LexisNexis has denied my request to freeze my report. 
Please assist me in freezing my LexisNexis consumer report.
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. XXXX, Experian and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair credit Reporting act XXXX XXXX XXXX # XXXX, 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 an account without my written instructions
Product: Credit card

Please review the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time, yet they are incorrectly reported as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has falsely reported debt, false dates and false statements/signatures since XXXX  on 3 of my credit reporting agencies. I closed the account with a XXXX balance after only 6 months in XXXX  they told me Id still receive a {$35.00} fee for anual charges, I disagreed to pay that because it was charged already in the beginning as they all do that, plus I didnt have the card pass 6 months! They now want {$680.00} from {$35.00}? They only gave me {$150.00} limit which I paid in full!! Its been a 13 year nightmare with them! They continue to call and harass family & myself under scam or unknown numbers so they dont get caught!! I paid XXXXXXXX XXXX twice to remove them and they did, only to have XXXX XXXX XXXX  falsely report again with new dates and new balances! This is 13 years of harassment and lost money on high interest due to false reports!! Paying attorney fees! Hold them accountable! Theres no debt, never was!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Child Support Reporting on Credit Report I am writing to formally dispute the reporting of child support obligations on my credit report. I have reviewed my credit report and found that OFFICE OF THE ATTY GEN child. According to the Fair Credit Reporting Act ( FCRA ), child support payments and obligations should not be reported on consumer credit reports unless they are a result of a judgment or a collection account. Child support is typically not considered a debt that can be placed on a credit report. It is a legal obligation, and while nonpayment can lead to other legal consequences, it does not meet the criteria to be reflected on a credit report in the same manner as traditional credit accounts or loans. I respectfully request that you remove any and all references to child support from my credit report. If this entry was made in error or without proper legal documentation, I ask that it be corrected immediately in accordance with FCRA guidelines. Please confirm receipt of this dispute and provide an update on the status of this matter. I appreciate your prompt attention to this issue and request that you inform me of your findings within the time frame established by law. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint Against XXXX for Violating FCRA ProvisionsDear CFPB, I am writing to file a formal complaint against XXXX regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). Despite my repeated efforts to dispute inaccuracies on my credit report, XXXX has not conducted proper investigations into these disputes. I have sent multiple letters detailing my concerns, yet XXXX has failed to provide satisfactory responses or correct the errors as required by federal law.Additionally, I recently learned about the CFPB 's lawsuit against XXXX for similar violations, including conducting sham investigations and failing to remove or reinsert errors on credit reports. This raises significant concerns about their practices and their impact on consumers like myself, affecting our access to credit, employment, and housing.I request that the CFPB investigate my complaint against XXXX and take appropriate action to ensure they comply with the FCRA. I am attaching copies of my correspondence with XXXX as evidence of my attempts to resolve these issues.Thank you for your attention to this matter. I look forward to your prompt response. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Veros credit along with myself agreed to a settlement amount of {$4000.00} which was paid in full by myself XXXX XXXX on XXXX XXXX XXXX  via cashiers check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXXBalance Owed : {$720.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX BalanceOwed : {$220.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX Balance Owed : {$200.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5300.00} ; XXXX XXXXXXXX Balance Owed : {$630.00} ; XXXXXXXX XXXX XXXXXXXX BalanceOwed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$310.00}.
Product: Debt collection

In XX/XX/year> I had car accident and was injured. I was hospitalized. I provided my health insurance to the XXXX and fire department. Hospital expenses was covered by insurance. After one year XXXX XXXX department send me a bill for {$5200.00} and said what they did not have my insurance information. After I gave insurance information and claim my insurance i received an answer/bill what health insurance claim time frame missed ( only 6 months ) and it not covered any more. I'm sore what i provided my insurance in accident day. Looks like fire department missed claim insurance company and send me the bill and put it on collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

On this day I received an email from " Experian '' dated " XX/XX/2018. '' It inaccurately stated that my " Federal Student Loan '' was labeled now as " Payment Deferred '' instead of " Discharged '' ( i.e., " paid off '' in its entirety ).
Product: Credit reporting or other personal consumer reports

Below is the Email sent to XXXX XXXX  on XX/XX/XXXX, XXXX they mainly use predatory lending scheme to keep me with them, or when applied for loan assistance they were after my equity in home and increased my APR with no reason. Also XXXX XXXX never provided me with any adverse action report, although it was requested. 

I am writing to formally dispute inaccurate information being reported to Experian regarding my mortgage account with XXXX XXXX XXXX XXXX. Specifically, a report dated XX/XX/XXXX, erroneously indicates that I am currently paying my mortgage on a partial or modified payment plan. This is not true ; I have never paid on a modified or partial payment plan since the commencement of my mortgage. 

This is not an isolated incident. On XX/XX/XXXX, another erroneous report was sent to Experian flagging my account as delinquent for more than 60 days and stating that I was paying on a modified or partial payment plan, both of which are false. While these remarks were removed in XXXX, their recurrence raises serious concerns about the accuracy of your reporting practices. 

According to the Fair and Accurate Credit Transactions Act ( FACTA ) and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), I should have received notice and an explanation of the adverse/negative disclosures sent to the credit bureau XXXX To date, I have not received any such notice or explanation. 

The repetition of these erroneous reports in a short period suggests more than an honest mistake or error. This pattern may be indicative of a predatory lending scheme, specifically Failure to Report Credit Information accurately, which is prohibited under the XXXX XXXX XXXX Reform and Consumer Protection Act of XXXX. 

The negative effects of these incorrect reports on my professional and personal life are substantial. As a Certified Public Accountant ( CPA ) and Corporate Controller, maintaining a clean credit report is crucial to my career. Inaccurate reporting harms my professional reputation and can impede my ability to obtain, maintain, and refinance credit. 

To rectify this situation, I request that XXXX XXXX  XXXX XXXX send a letter to Experian to remove these false remarks entirely from my credit history. Additionally, I request that you provide me with the required disclosures and explanations for the adverse reports as mandated by FACTA. 

Failure to address this issue promptly will leave me with no choice but to file complaints with the CFPB and the Federal Deposit Insurance Corporation ( FDIC ). 

Moreover, in XX/XX/XXXX, I requested loan assistance which was denied. Consequently, I missed the XXXX payment but agreed with XXXX to pay both XXXX and XXXX payments on XX/XX/XXXX. Despite this arrangement, XXXX reported the missed XXXX payment to the credit bureaus without providing the required disclosure by FACTA. This misrepresentation, suggested by a XXXX customer service representative, should also be removed from my credit report.
Product: Debt collection

XXXX billed me for cancellation of contract and remaining balance due on three cell-phones and they never responded to my dispute as required after they failed to provide service as required. When I signed up with XXXX the person said the Framily Plan contract was month to month, but since the cellphones were set up on a 24 month payment plan if we cancelled earlier than the 24 months the balance due on the phones would become due immediately. That is what I agreed to. 
I have a job that requires I can be contacted 24 hrs a day, 7 days a week by phone. My cell phone was that phone. When my XXXX XXXX XXXX battery died and would not maintain a charge after a short time at XXXX, I went into the local XXXX store XXXX XXXX XXXX in XXXX, Ia. After standing there for 1.5 hrs along with other customers while the two clerks waited on the exact same two customers without even acknowledging us, one clerk finally excused himself briefly from the customer and asked what I needed. I told him my battery was dying/dead and I needed a new battery. He quickly informed me that they didnt change XXXX   batteries and that I would have to ship it to XXXX   company itself to have the battery changed. I advised him that my job required a contact phone 24 hrs a day/ 7 days a week since I work on an emergency ambulance service and he rudely advised there was nothing he could do and went back to the original customer. 
I was already upset with XXXX service dropping phone calls all the time in the XXXX XXXX / XXXX XXXX area when I was calling the hospitals with patient reports. It looks bad when you have to keep calling them back on top of a waste of time that may be required to take care of the patients. It would be bad enough in a rural area, but in a large metro area? 
Since my job requires a contact phone and I got no help from XXXX like maybe an offer of a loaner phone, I immediately went down the road and went back to XXXX XXXX. I got a phone and transferred all three of my contract phones back to XXXX XXXX. 
I paid off all three of the phones at XXXX XXXX which were set up on monthly pymts ) when I received the original ( approx {$1600.00} XXXX bill from XXXX. The pay off on the phones was around $ XXXX {$1200.00}. I am disputing the termination fee since the reason I left was there failure to provide service to fulfill my service contract and as stated above I was told the contract was month to month, that is why I left XXXX and went to XXXX in the first place for the Framily plan. I await a response back from XXXX since they didnt respond to my first written complaint which I sent in with the check to pay off the cell-phones. XXXX cashed the check for the cell-phones, so I know they got the letter. If they chose to pursue the matter I will make sure other customers know what kind of service they provide. 
I submitted this above complaint through XXXX as a complaint a few days ago and the response was that my complaint was accurate, but they did not remove the collection affecting my credit score they only  changed it to unpaid. I want it removed, I am tired of XXXX punishing me for their lack of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters in XXXX and XXXX regarding my disputes and now I have sent certified letters to each bureau ( Equifax, XXXX  and XXXX ) on XX/XX/2020 with the tracking numbers of XXXX, XXXX and XXXX requesting a reply and complaint. I also sent letters disputing my matter to Equifax on XX/XX/2020 and XX/XX/2020 and haven't heard anything back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, received a calls to lower my interest rate on credit cards. In which I still do, I talked to 3 individuals one representing to lower the credit card rate has for my information, next I k ow I received a call from XXXX  stating I was approved.I reck the credit card XX/XX/XXXX but I never called in to open the account. But on XX/XX/XXXX I received a statement with a transfer to a XXXX XXXX XXXX  for XXXX.I never in my life dealt with this company never.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report that is no mine and a result of identity theft. I have already filed out an identity theft affadavit 3 times and attached a police report. 

XXXX XXXX : Account Number : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX # 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 or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment reported as late as XX/XX/XXXX was made on time, as evidenced by my bank statements and payment confirmations. Despite providing this information in my initial dispute, the error has not been corrected. 
Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from my Experian app and notice someone tried to use my name. I am building my consumer report and this has intrigued me tremendously. Please remove this inquiries that are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I Contacted the company and informed them that it didn't belong to me. I was informed to do a dispute with their fraud dept. Nothing was done. I waited for a response and didn't receive one only for me to be told that a police report would be need but the time has past and there is nothing I can do for this. The account in question was placed In my credit more than 3 times which brought my credit down over by 70pts. I dispute the item with the credit bureau which it was removed with supported documents then only for Navy Federal Credit Union to state I made a payment of which I never did. I have no access to my checking account which I believe my account has been froze.