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

I refer to the attached XXXX  Credit report file number XXXX  dated XX/XX/XXXX specifically page 41, CHAPTER XXXX BANKRUPTCY DISMISSED as clouded. See Attachment 01.

As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX  Bankruptcy did not have Entry of the Order for Relief nor ever been Adjudicated. In fact, it was Dismissed Prior to Adjudication. See attached Court Report Case XXXX dated XX/XX/XXXX. See Attachment 02.

Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A, immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter XXXX  Bankruptcy on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary.

Your response within 14 calendar days upon receipt of this letter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name XXXX XXXX XXXX  XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.


15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt or credit management

Because of a recent medical recent change to my health. I have been unable to work. I have fallen behind on bills. I have hired an attorney and doing a XXXX  XXXX and this collection company Trueaccord for XXXX XXXX. Telephone XXXX. I have been called from them before the XXXX time permitted by the FDCPAon numerous times. They call from these non allocated numbers. I did call on back during business hours and they did title the greeting as XXXX/trueaccord XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX 

I believe the have violated this FDCPA violation as harassment total of at least 3 occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a number of dispute letters with documentation to all three credit bureaus. Asking to remove the unauthorized inquires my first set of letters went out XX/XX/XXXX second set XX/XX/XXXX each set was tracked as received and confirmed by the credit bureaus however nothing has been done. Please see the following credit inquiries below to be removed CAXXXX 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

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

15 U.S.C. 1681s ( 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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXXBalance {$390.00}
Product: Credit reporting or other personal consumer reports

Beginning roughly 60 days ago, I began contacting Credence Resource Management ( a debt collection agency who took over an outstanding debt concerning my XXXX XXXX XXXX  bill ). I informed Credence Resource Management that the debt amount that they had been reporting to credit reporting agencies for several months, is inaccurate, and that several payments had been made to XXXX XXXX XXXX which significantly reduced the balance. I received a generic reply via email from Credence Resource Management stating they would mark my file as disputed. Unfortunately, Credence has not taken the initiative to look into the inaccuracies of the balance which is being reported to Credit Bureau 's ( credit reporting agencies ). On XX/XX/XXXX of XXXX, I reached out to Credence Resource Management once again. For the third time, I had attached proof ( a PDF File ) of the correct balance directly from XXXX XXXX XXXX  Wedsite. Again, I received a generic response from Credence Resource Management, similar to all previous responses. The XXXX File indicated a balance due of {$940.00}. I informed Credence Resource Management that further payments would made to the account ( as instructed on XXXX XXXX XXXXXXXX website ). The balance as of today, XX/XX/XXXX is {$900.00}. Unfortunately, Credence Resource Management has failed to investigate my claim that they are reporting an inaccurate balance to Credit Bureau 's. For many months, Credence Resource Management continues to submit reports to Credit Bureau 's claiming that a balance is past due exceeding of {$1100.00}. I am legally XXXX, on a limited income, and these inaccuracies by Credence Resource Management is causing financial hardship as Credence Resource Managements inaccurate reports to Credit Bureau 's hinder my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear Experian, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under 15 US Code 1681A Title Definitions.

I missed two payments on my [ XXXX Credit Card ]. As per the terms of the agreement, this missed payment was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future.

However, I would like to draw your attention to the rules of construction under 15 US Code 1681A Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed from my credit report. 

I would appreciate your prompt attention to this matter and your confirmation that the missed payment has been removed from my credit report. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit card

I have a hard inquire in my credit report, for a credit line increase that I don't authorized
Product: Checking or savings account

On XX/XX/XXXX I made a cash deposit on a Bank of America ATM for {$1300.00} dollars. 
On my account summary this deposit appears with date XX/XX/XXXX as a proof that the deposit was made. 
On XX/XX/XXXX, on my account summary an ATM Debit adjustment is made for {$1300.00} dollars. 

On XX/XX/XXXX I presented myself at XXXX XXXX branch to make the claim where the Relationship Banker XXXX XXXX XXXX helped me to solve this problem, on this date my {$1300.00} were refunded to my account while they make the investigation. The ID reclamation is XXXX On XX/XX/XXXX I received a message from Bank of America stating : That unfortunately they were unable to approve my recent claim. 

They found the transaction the I referenced but they can't find any record of cash or additional cash being deposited at the ATM for {$1300.00} dollars between XX/XX/XXXX and XX/XX/XXXX. 

Hence, they removed the on XX/XX/XXXX my {$1300.00} dollars. 

I need my money back, I am sure that with the evidence of the deposit transaction made at the ATM and showed in my Account Summary is more than enough. 

Thank you for your help.
Product: Money transfer, virtual currency, or money service

My account was charged {$59.00} on XX/XX/23 from an unfamiliar merchant, XXXX XXXX According to the transaction listing in my PayPal account, the charge would occur monthly for 1 year. 

I de-activated the subscription and filed a claim with Paypal. The agent who responded to the initial unauthorized transaction form gave me a list of 11 gift cards created in my name to deduct funds from my account. I checked the box no for of the gift card listings that were provided. Also, the gift cards were scheduled to deduct funds from my account in the next few weeks. I wasn't aware of an option that would allow account holders to create gift cards to deduct from their account. My Paypal account center activity does not reflect gift cards authorized to debit funds from my account. 

Less than two hours later, I received a verdict in writing stating my claim was closed. Paypal deemed the transaction authorized because I had similar transactional activity on my account. PayPal 's findings are untrue. My claim did not include supporting evidence that an investigation occurred. There are no other transactions on my account from XXXX XXXX, nor were there transactions for {$59.00}. I don't understand the similar transaction activity statement. Is the relevant? Wouldn't a more appropriate response state, this merchant has charged your account before? Did you close your account prior to the charge? If the activity was similar, there were no follow ups to determine the status of the customer relationship. Most importantly, I do not have a relationship with a merchant called XXXX XXXX According to my research, they are affiliated with a mental health app called, XXXX XXXX. I do not have an account with XXXX XXXX. According to the website, the email for support is XXXX. However, the web address on my transaction history is XXXX. I have not received a response from either website. Your support with this issue would be greatly appreciated. 
Thank you, XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2014 I opened a case against XXXX XXXX and XXXX XXXX because they opened a collection which was closed as Identity Theft on XXXX XXXX, 2014. 

In that time, I explained to them that I have not ever live in NY, so it is not reasonable that I ask for a service in a place that I do not live and I do not planning to live. 
I work here in XXXX XXXX, I studied here, and I have been raised and live all my live here in XXXX. 
Also, I have an excellent credit ( which is affected by this again ). I do not have that kind of behavior about not paying my debts. 

Those cases were XXXX, and XXXX, which you have in your system. 
Both of them closed as Identity Theft. So why XXXX XXXX are trying to open this again after a year? It is not fair and they are damaging my credit.
Product: Credit reporting or other personal consumer reports

I recently checked my Experian account and discovered several instances of suspicious activity conducted without my consent. Experian appears to have accessed and used my personal information for various purposes, as detailed in messages sent to me via their website. The activities included : Running my information against the USPS database Running my Social Security Number ( SSN ) against report data Scanning my neighborhood for XXXX XXXX  Running my information against municipal court system records Running my information against the dark web Searching for alternate lending activity These actions were carried out without my explicit consent, and my personal information was accessed and used inappropriately. I have screenshots of the messages from Experians website confirming these actions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX, AND TRANSUNION IS IN VIOLATION 15 U.S. Code 1679c
Product: Credit reporting, credit repair services, or other personal consumer reports

It pertains to transition and the dark patterns.
Product: Credit card or prepaid card

TD Bank double charged me for payments in XXXX and withdrew monies without my authorization XX/XX/XXXX ~ {$430.00}. I paid the total amount due of ~ {$430.00} on or around XX/XX/XXXX and TD credit card charged me again although the balance due on XX/XX/XXXX was XXXX and the amount required was already paid. TD stated they would reverse the error and never did. 

In addition TD does not report payments and credits in a timely fashion. Charges and debits are posted to my account over XXXX days after the transaction occurred. TD customer service was unwilling to resolve the issue and left my card to be charged by unauthorized users honoring payment even when I had reported my card stolen/lost. TD credit card company is a risk to the consumer with their latent and insecure credit card platforms and finance methodologies which are subpar and below average for a global bank with risks and diverse customers.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX Account NumberXXXXXXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account NumberXXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number:XXXX  Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account NumberXXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number:XXXX  Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  Account Number:XXXX  Please remove it from my credit report. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account NumberXXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account.
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 XXXXXXXX {$1500.00} UNAUTHORIZED INQUIRIES : 1. XXXX XX/XX/2022 2. XXXX XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XXXXXX/XX/2022 4. XXXX XXXX  XXXX XX/XX/2022 5. XXXX XX/XX/2022 6. XXXX XX/XX/2022 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am wanting to get these inquiries off my credit report because I DID NOT authorize these companies to run my credit. I have filled out an FTC report that is attached as well. 

Companies : XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifaxabout erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report inviolation of federal law. Please remove or update the following accounts completely frommy Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$190.00}
Product: Debt collection

At XXXX on XXXX/XXXX/2016 I received a phone call from a person named XXXX who claimed to be with Financial Corporation of America. He asked to speak with XXXX and I said this is he. I asked what this was in reference to and he said a personal business matter. I said if you are not gon na tell what this is in reference to I am not gon na talk to you and he would not so I hung up. Check the supporting documents to see that there is no Financial Corporation of America listed at this number or anywhere in the city of XXXX XXXX, Texas. As you will see this number is registered to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported me late and i have not received a bill on the cycle reporting
Product: Mortgage

I do not remember the exact date but because I am in Bankruptcy they did not want to communicate with me and I emailed the company no luck I need my account to be corrected, my payments are not being applied properly, as of the last statement I received, I have over {$2000.00} holding escrow in my account and I am still being charged for monthly escrow and my payments are past due over {$5000.00}. My yearly escrow is {$740.00}, there is now way i should have that much funds sitting in escrow and my payments are that far past due, and their statements also not clear of how they break down the monthly payments as far ( regular payment and escrow amount that is due every month. I need help to have my account reviewed and corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's not my accounts. I don't have any agreements, contracts with this companies. I believe that somebody used my personal information and opened cards on my name.