23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hereby dispute the current payment status and remark comment associated with my credit report for XXXX XXXX XXXX XXXX for a Credit Limit of {$4000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. 


The extended duration of the inaccuracies in my Payment History for Current Payment Status and Remark comment serves as evidence that the credit reporting agency and the furnisher knowingly and recklessly violated the FCRA.

I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections.

Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false.

Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness.

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken.

Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, I was responded to within 24 hours stating the account was accurate without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act 15 U.S.C. 1681i, WHICH MANDATES A REASONABLE INVESTIGATION OF DISPUTES.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to this company for reporting inaccuracies on my credit report. I have already disputed this, asking for validation, and I still got no response from them. I want these accounts to be investigated, and I'm requesting the original purchase agreement signed by all parties involved that says this alleged debt is mine.
Product: Debt collection

Debt collector was assigned by the original creditor to collect the remaining balance on a check for XXXX. Their records indicate that I made a XXXX payment leaving a balance of XXXX. The collection agency has reported to the credit reporting agency that the balance is XXXX. The debt collector among other charges is attempting to collect three ( 3 ) times the amount of the check per California XXXX XXXX XXXX ( a ) which requires a certified letter. On XX/XX/XXXX I contact the debt collector and their response was a notice of dishonored check dated XX/XX/XXXX which I have never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, has violated my rights. 

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

15 U. S. C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to Conduct a resasobable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furtnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experince, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am not liable for the debt with XXXX  and I do not have a contract with them or XXXX. I know nothing about this account and demand it be removed ASAP
Product: Credit reporting or other personal consumer reports

XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # : XXXX The credit bureaus are in violation of the law. I showed them multiple times on how they are violating the Fair Crdit Reporting Act According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have written permission.

According to 15 USC 1681 I have a right to privacy.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notice, that specific information is inaccurate; and ( ii ) the information is in fact inaccurate.

They have committed countless violations and has blatantly shown total disregard for the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account numbers XXXX, XXXX has violated my rights. 15 USC 1681 section 602 A, states I have the right to privacy, 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1681 c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information ; Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer relating agency if the person knows or has reasonable cause to believe that the information is accurate,
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW Financial Services XX/XX/XXXX, XX/XX/XXXX This was a joint account and my credit report shows 2 late payments while the other person on the account shows 1 late payment. I tried to reach out to bmw but they will not remove it or look into it any further. 

I have 8 credit Inquires from XX/XX/XXXX that i did not authorize XXXX of XXXX XXXX BANK 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

Someone who probably has my personal information applied for credit cards cards which cause inquires on my credit report. The inquires and dates are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 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 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.

There are many inaccuracies within my consumer report. See enclosed attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I had to file bankruptcy I included all accounts I had everyone was notified throw the bankruptcy court Sunbit continued to call me over the phone at least 10 times I spoken with them and let them know I had file bankruptcy the lady on the phone said she will continue to call not only did I let them know I file but they received paperwork through the courts in XXXX I received more calls from them and I stated again I couldnt speak with them as I was instructed not to by my lawyer they turn again and posted 30 day late payments on my credit report after knowing I file bankruptcy I reached out via email asking them why would they do that as they are violating my bankruptcy rights
Product: Credit reporting or other personal consumer reports

This is a violation of U.S. code 1681i ( 5 ) removal of inaccurate/invalidated credit information. Please remove all accounts listed below immediately. 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
Product: Credit reporting or other personal consumer reports

I request validation of the debt and was send copy of bills and stated that it was debts was valid. These negative items been dispute in past and always the same result
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Demand for Deletion of Inaccurate Accounts Dear TransUnion, I am writing to formally demand the deletion of the following accounts from my credit report, as they violate my federally protected consumer rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : XXXX. XXXX XXXX ( Date Opened is inaccurate ) XXXX. XXXXXXXX XXXX XXXX XXXX ( Date Opened is inaccurate ) XXXX. XXXX  XXXX XXXX ( Date Opened is inaccurate ) XXXX. XXXX XXXX  XXXX ( Date Opened is inaccurate ) XXXX. XXXX XXXX XXXX ( Date Opened is inaccurate ) XXXX. XXXX XXXX XXXX ( Date Opened is inaccurate ) XXXX. XXXX  XXXX ( Date Opened is inaccurate ) XXXX. XXXX XXXX XXXX ( Date Opened is inaccurate ) XXXX. XXXX XXXX XXXX ( High Credit and Date Opened are inaccurate ) XXXX. XXXX XXXX XXXX ( High Credit and Date Opened are inaccurate ) XXXXXXXX XXXX XXXXXXXX ( Date Opened is inaccurate ) XXXX. XXXXXXXX XXXX XXXXXXXX ( Date Opened is inaccurate ) XXXX. XXXX XXXX ( Date Opened is inaccurate ) Upon reviewing my TransUnion credit report, I identified these accounts as either inaccurate or unverifiable, particularly regarding the Date Opened and High Credit for some accounts. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 ( e ) ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. Furthermore, 15 U.S.C. 1681i ( a ) ( 5 ) mandates that any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation must be deleted from the consumers file promptly. 

As I have previously disputed these accounts multiple times without resolution, I am now invoking my rights under this section and formally requesting that these accounts be deleted from my credit report immediately. I have provided proof of these inaccuracies through supporting documents submitted to TransUnion. Despite this, these accounts continue to be reported inaccurately, violating my rights under the FCRA. 

Please confirm the deletion of these accounts in writing and provide me with an updated copy of my credit report once these deletions have been made. 

Thank you for your prompt attention to this matter. I look forward to your swift confirmation that these issues have been fully resolved. 

Sincerely, XXXX XXXX
Product: Credit reporting

Dear sir/madam, as I was going through my credit report on Experian and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX or any of their affiliates should remove such negative and false statement from my credit report
Product: Credit reporting or other personal consumer reports

XX/XX/23 Sent LexisNexis a letter asking how they verified a bankruptcy on my consumer report. 

XX/XX/23 LexisNexis received the letter XX/XX/23 Received letter from LexisNexis stating that they researched with XXXX  but did not verify with XXXX XX/XX/23 Contacted XXXX  to inquire if they verify the information for LexisNexis XX/XX/23 Received email stating that XXXX  provides access but does not verify for LexisNexis XX/XX/23 Sent a 2nd letter to LexisNexis requesting removal of the bankruptcy on my consumer report as they did not receive verification from XXXX  and therefore the information was not legally validated and requested an updated consumer report XX/XX/23 LexisNexis received the 2nd letter Never heard anything back from LexisNexis XX/XX/23 Sent LexisNexis a XXXX letter requesting removal of the bankruptcy on my consumer report as they did not receive verification from XXXX  and therefore the information was not legally validated and requested an updated consumer report XX/XX/23 LexisNexis received the 3rd letter
Product: Credit reporting, credit repair services, or other personal consumer reports

Will not provide free credit report to addresses other than those in the US. I am an American citizen, XXXX  military veteran and live abroad and can not enter my foreign address to obtain my three free annual credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not only have I been a victim of fraud, I also was a victim of the Equifax breach .And now there's collections dated XX/XX/XXXX ( XXXX  ), and XX/XX/XXXX ( XXXX XXXX XXXX ) on my report. To keep this on my report goes directly against the language in the FCRA.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account # XXXX ( XXXX ) XXXX Mobile To : Chase Bank XXXX : Reopening Dispute case of XXXX Transaction date : XX/XX/23 Dispute opened : XX/XX/23 To whom it XXXX concern, My account had been charged 3 times without my authorization : {$100.00} posted on XX/XX/23 from XXXX {$100.00} posted on XX/XX/23 from XXXX {$100.00} posted on XX/XX/23 from XXXX I am requesting the amount of {$100.00} which was posted on XX/XX/23 to be returned back to my account. These were unauthorized transactions and frauds. I am requesting you to re-open the dispute case letter on XX/XX/23 and credit the above money back to my account. Chase has not been protecting their customers against fraud and unauthorized transactions.
Product: Debt collection

A company Dynamic Recovery ( XXXX ) XXXX contacted me for the first time today saying they want {$600.00} dollars for a debt and was very rude with me stating that they have emailed me many times notifying me of this debt at XXXX and I told them that wasn't my email and then she said she never sent anything to that address that was just a sample. I was never contacted about a debt before and the representative clearly stated that she has been emailing personal information to the wrong email. And Dynamics Recovery repeatedly harassing with multiple phone calls
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some accounts on my credit report that are not mine. I just became a US citizen and I am brand new to this country legally. I noticed that there are already negative items that do not belong to me. Please remove them from my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and unlawful reporting on my TransUnion credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, a previously closed account was removed from my credit report and then subsequently reinserted as an open account. This is an egregious error that negatively impacts my creditworthiness and financial stability. 
Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA, if a credit bureau reinserts previously deleted information, it is required to notify the consumer within five business days, providing certification from the furnisher that the information is accurate and complete. I did not receive any such notification, making this reinsertion unlawful.

Additionally, under the FCRA, all information reported must be accurate, verifiable, and timely. Since this account was previously removed, its reinsertion raises serious legal concerns. I demand that TransUnion immediately : 1. Remove the following reinserted accounts from my credit report.

2. Provide me with documentation verifying the accuracy and legitimacy of the account, including any certifications provided by the furnisher.

3. Provide a written statement confirming the accounts removal within 30 days of receipt of this letter.

Failure to comply with these demands will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Furthermore, I reserve the right to pursue legal action for damages as permitted under 15 U.S.C. 1681n and 1681o, which allow for statutory and punitive damages for willful and negligent noncompliance with the FCRA. 
This letter serves as my official notice under federal consumer protection laws. I expect prompt action within the legally mandated time frame. Please respond in writing to the address provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request verification of a late payment that is currently being reported on my credit report. The account in question is XXXX with XXXX XXXX XXXX  XXXX XXXX 

Specifically, I would like to verify that there was a 30 day late payment on the account in XX/XX/2021. I have reason to believe that this information may be inaccurate or incomplete, and I am requesting that you provide me with detailed information regarding this reported late payment. 

In accordance with the Fair Credit Reporting Act, I am entitled to receive a written response within 30 days of receipt of this letter. Your response should include detailed documentation supporting the accuracy and completeness of the information being reported on my credit report. 

If you are unable to verify the accuracy of the reported late payment, I request that you remove this information from my credit report. Please also provide me with a revised copy of my credit report reflecting the updated information. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a loan that has been charged off since 2014. I have not made a payment since 2014, and this account has reported as closed/charged for a long time. Lately Navient has been reporting it as open, with a late payment report as well. This brought my credit from XXXX to XXXX. I have not called them, or made any agreements to pay off my outstanding debt, and I never will. I need to rebuild my life, and my credit. I am a single father, and I raise my child on my own. I ca n't buy a house for a long time because of this. Or even a new Car.
Product: Mortgage

I paid my mortgage with Shellpoint Mortgage via a wire sent on XX/XX/2022. The mortgage has still not been released with the county, and I have not received my note showing that it is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS YOU ARE BOTH AWARE ARE BREAKING THE F.C.R.A. AND THE DODD FRANK ACT. I HAVE XXXX XXXX  XXXX  XXXX  ACCOUNTS THAT MUST ME RE-INSERTED BACK INTO MY XXXX   CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a copy of the police report for Identity thief. The account in question is still be reported on credit report
Product: Debt collection

This collection from Wakefield and Associates 'appeared ' on my XXXX XXXX account on XXXX. 
I have never been contacted by mail or phone of this debt. I have had the same phone number for over 15 years. I have lived at my current address for the past 8 years. 
There is no phone number on the internet for this company, only a XXXX XXXX XXXX A internet check of them shows they purchased accounts from another collection company due to that company being under investigation.