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

Good Afternoon, On XX/XX/2019, we filed for bankruptcy due to medical illness and the process of applying for XXXX  XXXX. My XXXX  XXXX was approved XX/XX/2019 so we cancelled the bankruptcyXXXX. The Bankruptcy was dismissed/Closed by the US Bankruptcy Court by XXXX XXXX XXXX USBK Court XXXX Texas XXXX XXXX XXXX. 

In reviewing our credit report we noticed the bankruptcy report was on our record from XXXX, XXXX and Transunion. We filed a dispute with all three bearus and XXXX and XXXX deleted the report from our record, however Transunion did not remove it from the record. I have filed two more disputes with Transunion and they refuse to remove the bankruptcy. This is hurting my credit and having a hard time getting credit. 

Please assist in getting the bankruptcy report off my credit. 

Thank you, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inquiries that have shown up on my credit file on Equifax XXXX XXXX and XXXX since year XXXX. I have contacted all three credit bureaus and they consistently say that all inquiries remain factual and will stay on my file for XXXX years. 
I received a letter XX/XX/XXXX which stated all inquiries will remain and how some I listed arent even on my credit report, which is false which tells me they did not do a proper investigation. The documents uploaded below are screenshots from annual credit report.com which shows all hard, promotional and soft inquiries listed on my credit file. 
I now seek under my rights under the FCRA Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship. 

I am requesting each credit bureau ( XXXX, Equifax and XXXX ) provide me with the name of the business representative they contacted in regards to the credit inquiries listed, the date they reached said representative, time of phone call, address of business and the representative name and phone number.
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. 

Name of Account : XXXX XXXX XXXX Account Num : XXXX has violated my rights. 

Name of account : XXXX XXXX XXXX Company Account Num : 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 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 report.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

If your original creditor sold your debt to a collection agency, they also wrote off your debt on their taxes which wrote off your obligations to pay. The dispute reason is contract was canceled. No contract means no lawful or legal obligations have formed between me and the alleged creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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: Student loan

I applied for an income driven repayment calculation/modification to lower my monthly payment. The email correspondence was toon quite a bit of time and took days or weeks for replies from the servicer. The servicer has/had limited phone hours in comparison to my schedule and even when I found time to call wait times were long and difficult to manage. Finally I thought everything was set as I was told by the loan servicer. However processing by the servicer took longer than suggested time and even though the consolidation finally went through loans were reported 30, 60, and 90 days past due. I called the servicer, Nelnet, and was told 2 loans were reported late in error but that it would be corrected. I didn't need to provide any additional information, paperwork, or documentation ; it was simply an error on their end. Still months later all three major bureaus have me as 30, 60, and 90 days late on my student loan during that time. Nelnet representatives told me they would handle the correction due to me. Still nothing has been done. As an adult in my 40s this is the only derogatory mark on my credit and it prevents plans for my family of taking place ( i.e. college for my child and smaller home purchase ). My credit scores at all three bureaus have dropped over 100 points solely because of this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I wrote in requesting an investigation into items that I believed were Inaccurate and misleading information,. As mentioned in my previous letters I am a victim of the Equifax data breach and no more than ever I believe my information has been compromised. To date, over 60 days later I have not received a reply or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. I anticipate a timely response with the resolution of this unfortunate matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accountsXX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ...XX/XX/XXXX ( Original Creditor :XX/XX/XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  should not be reporting a collection/charge off in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. This account was sold to XXXX XXXX on XXXX and therefore should be reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item should be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting

On my Equifax Credit Report they have displaying a XXXX CREDIT CARD late payments. I have had this credit card since XXXX 2010. I contacted XXXX CREDIT CARD and they confirmed I do n't have any late payments and that my account is in good standings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX AV XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXXBalance XXXX {$420.00} ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card

MY STATEMENT FOR XXXX SHOWED A BILL OF {$1200.00} AND CHANGE BANK OF AMERICA TOOK {$6200.00} AND CHANGE I CALLED XXXX # TALKED TO A LADY ABOUT IT SHE SAID OH YES I SEE WHERE WE TOOK AN EXTRA {$5000.00} I WILL GET THAT CORRECTED.I GET MY STATEMENT FOR FEBURARY AND IT SHOWS A CREDIT OF {$3000.00} AND CHANGE I CALL AGAIN I TELL THE MAN I TALKED TO JUST KEEP THE MONEY MY CHECK REGISTRY LOOKS LIKE XXXX TRYING TO GET THE AMOUNTS CORRECT HE SAYS OK I GET AN EMAIL @ THE END OF XXXX STATING THEY RETURNED THE {$5000.00} BACK TO MY CHECKING AND I NOW AM XXXX PAYMENTS BEHIND AND CARD IS LOCKED FROM USE AFTER MANY CALLS I FINAL GET SOMEONE THAT SAYS I CAN MAKE A {$50.00} PAYMENT ON THE PHONE AND WHEN CLEARED I WILL REGAIN USE OF IT SO I MAKE PAYMENT.XXXX  XXXX I GET LETTER STATING MY LINE OF CREDIT IS REDUCED DUE TO LATE PAYMENTS WHEN IN FACT LAST XXXX STATEMENTS SHOWED A CREDIT.THEY SENT LETTER TO CREDIT BUREAU STATING XXXX LATE PAYMENT AND I CALLED AGAIN WHEN I TALKED TO THEM AGAIN THEY ASKED WHY THEY SAY IM XXXX PAYMENT BEHIND THEY { XXXX } WHEN THEY WERE THE ONES SHOWING {$5000.00} AND {$3000.00} DOLLAR CREDIT MEANING THE MONEY WASNT RETURNED TO MY CHECKING ACCOUNT YET HOW COULD I BE XXXX PAYMENTS LATE AND WHY DID THEY SEND REPORTS TO CREDIT BUREAU STATING SUCH AND THERES NOTHING HE CAN DO TOLD HIM I WANTED TO TALK TO A XXXX HE SAID THERE WASNT ONE THERE BUT UI SHOULD HEAR IN A DAY OR TWO FROM HIM I HAVE MADE MORE PHONE CALLS THAN THE ONES I MENTIONED IN ALL ABOUT 12 TO 14 AND STILL PAYING FOR THERE MISTAKE ALSO WHEN I TALKED TO A LADY BEFORE XXXX SHE SAID THAT WHEN I AUTHORIZED THEM FOR THE {$50.00} DOLLAR PAYMENT THAT THEY TOOK ANOTHER {$5000.00} OUT FOR THAT I STILL WAITING ON BANK STATEMENT TO SEE IF THATS TRUE
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern there was theft on my account Capital One Bank UsaInquiry from XXXX XXXX, XXXXXXXX XXXXCapital One Bank UsaInquiry from XXXX XXXX, XXXXCapital One Bank UsaInquiry from XX/XX/XXXX, XXXXCapital One Bank UsaInquiry XXXX XX/XX/XXXX  I have spoken to capital one a few times about this matter and they said would remove from my credit report and never did since i never authorized any of these with there company.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized and fraudulent inquiries appearing on my credit report. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I demand the immediate removal of these inquiries as I did not authorize them and they were not initiated by me.

I have previously disputed these fraudulent inquiries, yet Equifax has failed to conduct a proper investigation as required by FCRA 1681i ( a ), which mandates that credit reporting agencies thoroughly investigate disputed information. Your continued refusal to remove these unauthorized inquiries is a violation of my consumer rights and has caused financial harm by negatively impacting my credit profile.

Legal Violations and Consumer Rights 1.FCRA 1681b ( f ) Permissible Purpose : A company may only access my credit report with my explicit consent or for a legally permissible reason. These inquiries were not authorized, meaning they violate federal law.

2.FCRA 1681c-2 Fraudulent Information Must Be Blocked : I have reported these inquiries as fraudulent, and under the law, Equifax is required to block and remove them once notified.

3.FCRA 1681n & 1681o Civil Liability for Noncompliance : If Equifax continues to fail in its legal obligation to correct and remove fraudulent information, I reserve the right to pursue legal action for damages, including statutory penalties of up to {$1000.00} per violation, plus actual damages and attorneys fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had a computer glitch in which several of my inquiries were deleted, then placed back on my credit report - I did not receive any notices 5 days prior to them re-adding the inquiries to my report - I contacted Transunion on  XX/XX/XXXX   in good faith to ask them to delete the inquiries that they illegally placed back on my report - I am in the process of trying to purchase a home for myself and my children and this mishap has caused a major hardship with this process. It is causing major questions about my credit report, why all of a sudden do I have so many new inquiries showing, etc etc etc, I have had to put off trying to purchase for 30 days, which, as I 'm sure you well know, means the home that we want will be sold to someone else in that timeframe.
Product: Money transfer, virtual currency, or money service

XXXX did not state that you could possibly send money to the wrong person and you may never be able to get your money back
Product: Debt collection

i have been dealing XXXX XXXX and XXXX XXXX XXXX for almost 2 years with their threats and false credit reporting, i have no contracts with XXXX XXXX XXXX they have sold a debt in my name to XXXX XXXX XXXX and the collection agency is sending me intimidating mail, they refuse to hear my contest to this debt, this debt is not valid they allege i opened an account in XX/XX/XXXX. i had an account with XXXX XXXX XXXX and i closed the account in XX/XX/XXXX i paid off the account and closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is refusing to be in compliance and repeatedly as for documents and details that have already been furnished.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 
clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately. 


a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following ( XXXX, XXXX, XXXX ) credit reporting agency ( XXXX ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the XXXX Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the XXXX, which requires all reporting to be XXXX XXXX accurate. If the information is NOT XXXX XXXX accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The XXXX has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX  XXXX Date opened XX/XX/2012 XXXX {$1800.00} ).
Product: Debt collection

MIDLAND FUNDING LLC and XXXX XXXX has erroneous been reporting a fraudulent debt in my name. I was able to find the police reports in regards to this matter. It was hard to find after our house flooded we lost most documentation. The detective emailed me a copy of the police report information. 

Police Report ( Case Number- XXXX-XXXX )
Product: Vehicle loan or lease

The Exeter Finance LLC company repo the car in XXXX I was going thought a very bad separation from my ex-husband, and during that time i lost my job.I do know that the automobile was sold, I did try to get the automobile back several months later, and was told that the debt for the automobile was still my obligation after they sold the vehicle. 
So Exeter Finance LLC has keep this debt on my credit from XXXX until today date XX/XX/XXXX, showing a balance due {$9200.00} and every month has been showing late are no payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX : 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 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: Consumer Loan

I have a copy of my credit report and there were XXXX accounts reporting with Santander. The information reporting was not complete nor did it look accurate. It was disputed with the bureau and the information was not complete so I sent a request directly to Santander requesting validation of the debts and what they send was unacceptable. It does not validate the information. It is only a letter on their letter head stating what they are reporting is accurate. NO documents that I requested were included such as instrument showing my signature, correspondence etc.
Product: Credit card

Amounts of charges were {$1400.00} and {$730.00} made on a citi card on XX/XX/24 that were not made by me at XXXX. Both credit card company and XXXX were notified of issue. Card was cancelled and XXXX cancelled reservations and had a name of person that reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Gentlemen, Please contact me regarding the fraudulent activity that I have reported numerous times to no avail. I have contacted XXXX  XXXX, Equifax, XXXX, and XXXX and have disputed this multiple times, in which XXXX XXXX reports valid. This is not the case. 
I am requesting the recorded phone calls for training purposes be reviewed by your escalation liaison.