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

I am writing to formally dispute the inclusion of a bankruptcy notation on my credit report. In XXXX, I initiated the process of filing for bankruptcy ; however, I subsequently decided not to proceed with the filing. This decision was confirmed with a letter from the state of Ohio, indicating that the bankruptcy proceedings were not pursued. 

Despite providing this documentation to all credit reporting agencies, I have been informed that the bankruptcy notation will remain on my credit report for seven years. This response is deeply troubling and unjust. 

On XX/XX/XXXX, the bankruptcy case was officially dismissed. As such, it should not be treated as a completed bankruptcy, as it never reached fruition. The dismissal should absolve me of any negative implications associated with bankruptcy proceedings. 

The presence of this erroneous bankruptcy notation on my credit report has had severe repercussions on my financial endeavors. I have encountered significant obstacles in obtaining essential services, such as securing a car loan, refinancing my home, and acquiring a business credit card. 

It is unjustifiable to penalize me for a bankruptcy that never materialized, especially when the case was dismissed over several years ago. The continued inclusion of this inaccurate information on my credit report is not only detrimental to my financial well-being but also constitutes a breach of fair credit reporting practices. 

I am hereby formally requesting the immediate removal of the bankruptcy notation from my credit report. I implore you to conduct a thorough review of the documentation provided and take appropriate action to rectify this matter promptly. 

Failure to address this dispute in a timely and satisfactory manner will compel me to seek legal recourse and escalate this issue further. I trust that you will handle this matter with the utmost urgency and professionalism. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of the erroneous bankruptcy notation from my credit report.
Product: Student loan

I applied to refinance my student loans with Citizen Bank through their Citizen 's Bank Education Refinance Loan. A little after XX/XX/XXXX I received a letter denying my request/application. They gave three reasons, 1 ) number of auto finance accounts, 2 ) age of bankcard accounts and 3 ) total balance on bankcard accounts. 

I have one auto loan and only one that shows up on my credit. I would assume that 90 % of the people in this country also have an auto loan, so I am not sure how this is relevant. 

I do not have many new bankcards and my oldest is over 12 years old. I have never missed a payment in my life on anything. 

As for credit card balances, I pay some of my credit cards off every month as I use them for the points. The other ones that carry balances are interest free. So the credit report probably shows higher balances than typical. 

I have had the student loans since XXXX and never missed a payment. I am paying 6.75 %, which is ridiculous considering the current rates. 

Citizen 's did not even reach out to me to verify my income, which is in the six figures. Nor did they ask how much cash, marketable securities or retirement accounts I have, which should all play factors into the decision, as someone with a strong liquid position or good liquid assets could payoff the credit cards when the zero interest is up. They did absolutely nothing but look at a credit report, which showed no late payments ever. 

I have been in commercial lending for over 14 years. Citizen 's took my complaint but really couldn't explain their decision. 

Their letter said my score was XXXX out of a high of XXXX ... .However, i pulled my free credit report on all three credit agencies and all showed that I had no missed payments, no public records, no judgement or any other negative items. It sounds like their scoring is not very accurate as I easily clear over {$2500.00} a month after all bills and expenses I currently pay.
Product: Credit card

first of all, I am not registering a complaint ( at least, not yet ). My XXXX year old son has been receiving pre approved credit cards for a few weeks ( thus far only XXXX have been received ). I am requesting information on how to prevent my children from receiving these, as I believe it exposes my children to potential identity theft.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, my beginning account balance ( account ending in XXXX ) with bank of America was XXXX. According to my BOA XXXX statement, a deposit in the amount of XXXX was made to this account. My statement ending balance for XXXX XXXX was XXXX. Bank of America closed the account and reported it as delinquent with XXXX in the amount of XXXX. After being denied an account at my local bank, I later made a second payment in the amount of XXXX to bank of America to clear up this issue with XXXX. I learned that I should have never been placed in XXXX in the first place. Also, Bank of America owes me XXXX for an overpayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
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 XXXX XXXX XXXX. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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-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: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and im an victim of identity theft. I tried to handle this issue with credit bureaus but no help there .Someone applied for a credit card under my name and it shows on my credit report.Creditor sends a result of investigation as everything is accurate so im attaching the documents I sent to bureaus this account does not belong to me.Also another account that shows late but that late wasn't my fault and I notified the company too .I sent them my XXXX XXXX XXXX  results that I was in hospital  and before that I sent my payment by mail and I don't know why they returned the mail I sent so it was not my fault to be late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am actually trying to lodge a complaint about credit inquery into my credit as part of mortgage applications and job applications. Previously I have never had issues with my credit but now I have multiple hard inquiry over a recent period. 

Huntington bank XX/XX/2017 and XX/XX/2017. Neither of these were authorized. I had submitted information to a mortgage broker to allow them to come up with a GENERALIZED idea of possible loan amounts. After the first one was completed, i had emailed a different broker within the same company as I was trying to work in a different region than the original inquiry. They once again wanted all my information but i informed them specifically to NOT SUBMIT a request because I had all that information and huntington bank should already have all my information for any mortgage quotes they could provide. INSTEAD they inquired again which affected my credit score. I attempted to contact them to resolve this issue but the mortgage broker said there was nothing he could do. I COULD UNDERSTAND TWO DIFFERENT BANKS BUT THIS IS THE SAME BANK AND IT PENALIZES MY SCORE!!!

Is there ANY WAY to get one instance removed? I understand the initial huntington bank but the duplicate really hurts my score and was unreasonable!

Thank you for any help you may provide
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer, XXXX was informed about this fraudulent inquiry in XXXX and I filed a dispute here in XXXX. After being informed by the Creditor, Capital One that the inquiry was not confirmed to have been made by me, XXXX is still refusing to remove this inaccurate and unauthorized credit inquiry. This is causing harm to my score to continue to report this fraudulent inquiry and is a violation of the fair and accurate credit reporting act. I am attaching the letter from Capital One confirming.
Product: Credit card or prepaid card

Home Depot Project Loan card received on XXXX via mail. Called home depot number provided. Card has {$9900.00} charge on it already, per automated system. Got forwarded to GreenSky ( loan holder ). XXXX was contact name at GreenSky. I reported fraud and canceled the account. XXXX sent me an affidavit to fill out to start investigation. 

Also checked XXXX XXXX to report the card as fraud to XXXX. Card shows {$18000.00} dollars spent on that app. 

Also received mail from XXXX XXXX XXXX XXXX XXXX regarding failed credit application. Attempted to call number, but no one in office on a Saturday.
Product: Payday loan, title loan, personal loan, or advance loan

Tried to repay a XXXX dollar loan site wouldnt allow kept rejecting my credentials for login. Receiving voicemails but no mail correspondence cant call the number back that calls regarding loan
Product: Credit reporting or other personal consumer reports

AFTER RUNNING MY CREDIT I NOTICE 6 INQUIRIES REPORTING TO MY CREDIT THE SHOULD NOT BE. PLEASE DELETE THEM IN THE NEXT 3 BUSINESS DAYS. 

THE FOLLOWING INQUIRIES ARE -XXXX- XX/XX/scrub>XXXX XXXX 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: Checking or savings account

Capital one is blocking external transfers and I need access to my financial records! I am trying to sign into my online account so that an external transfer can take place and capital one has blocked it!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I bought two small laptops for my XXXX for XXXX gifts, they never would work. I returned them to a third party company that sold through XXXX. They would not even answer my emails. So I refused to pay XXXX, because they were charged to my card. XXXX wouldnt even get involved. They closed my account and sold the debt to a debt collection company.ive done everything I know to do. Help.
Product: Debt collection

I have a PACE assessment in which I entered into an agreement with the HERO program ( through Renovate America ) to fund the installation of solar panels at my home, the debt would be paid over 5 years as a property tax assessment, and the loan documents clearly stated that there is no prepayment penalty. The debt is currently being serviced by XXXX ( XXXX ) and I am unable to move forward with paying off the loan until I pay a {$50.00} fee to the company to generate the payoff amount. I inquired about it and they claim it is a 'document generation fee ' but if there is any fee that is required to be paid in order to pay off the loan, it is a prepayment penalty. Nowhere in the loan agreement does it mention any additional fees outside of the specific ones disclosed and rolled into the principal amount. I shared that information with XXXX, that they were in violation of the terms of the loan agreement, and asked them to waive the fee, and they declined.
Product: Checking or savings account

I had charges since XXXX of 2021 on one of my Chase checking accounts that were not made by me. Someone ( s ) fraudalent charged my account. I contacted the bank who did not defend me on a single one of them. Some they said were over 60 days and I would not get defended about. The others they said were from the same places as outside of the 60-day ones and they wouldn't protect me for either. This is almost {$12000.00} in charges and my bank is not defending me even though I'm telling them they're clearly fraudulent. I've had a 30-year relationship and they're not even defending me. So so upset here.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing a {$4800.00} balance for CBNA. We do not have a credit card for this company. I filed bankruptcy several years back and all of my credit card debts were dissolved. I have not opened or put purchases on this card. I have no idea what it is.
Product: Credit card or prepaid card

Bank of America closed my account without food cause, took all of my rewards points, and mishandled my disputes.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX XXXX Creditor Information : Company Name : Fortiva Complaint : I am writing to formally file a complaint against Fortiva regarding their fraudulent activation of a credit account in my name. 

Details of the Complaint : 1. Fraudulent Activation : Fortiva fraudulently activated a credit account for me, despite my explicit decision to not open the account. 2. Exorbitant Fees : The accou
nt was activated with fees that are significantly higher than those advertised, which I did not agree to. 
3. Refusal to Close Account : I have requested Fortiva to close the account and waive any fees associated with it, as I did not authorize the accounts activation.

4. Threats of Negative Credit Reporting : Fortiva has refused to close the account and has threatened to report negative information to credit reporting agencies if I do not pay the unjust fees. 

I am requesting an investigation into Fortivas practices regarding the fraudulent activation of accounts and their unjustified threats to report negative information to credit bureaus. 

Resolution Requested : Immediate closure of the unauthorized credit account.

Removal of any fees or charges associated with the account. 
Assurance that no negative information will be reported to credit bureaus related to this matter. 
Investigation into Fortivas practices to prevent future occurrences of similar issues. 

I appreciate your prompt attention to this serious matter and look forward to your response. 

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

1. TransUnion is still reporting an incorrect address on my credit report, I have no idea why this address came from.

2. I no longer word at XXXX - this should be deleted.

3. I never worked for XXXX - Please Delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for XXXX XXXX Bankruptcy on XXXX XXXX, all credit cards were closed. On my credit report I still get a high credit usage from XXXX XXXX. I disputed it to Experian and the result was that the XXXX card was closed it on XXXX XXXX XXXX. However, the XXXX XXXX keeps reporting to Experian that my credit card utilization is high which lowers my already poor score. It has kept me from establishing new credit as well as obtaining a mortgage through a commercial bank with an FHA approved loan
Product: Money transfer, virtual currency, or money service

I had my cashapp account for 3 or 4 years, right before XXXX XXXX, i went to login to my account and was unable to, i then made a new account so i could chat with them, when asked they said i violated terms and conditions so i asked how? they wont ever say. so i told them i had a previous account but was randomly unable to login to it & they said i needed to shut down any other account i have but didnt understand my old account wont let me login. ive since had things popping up on my credit & they refuse to help fix this.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

Cash app is the wrong card ever to have I cant get in contact with no live report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has on my credit report date open from Wells Fargo on XXXX XXXX but first reported on XXXX XXXX and 72 months fin but on the other loan that was transferred open XXXX XXXX but first reported XXXX XXXX 72 months in which the loan was not finance on 72 or 73 months it was 60 Months There was no {$2000.00} written off as stated on my credit file. And how does the loan be transferred with out my consent or does the terms not match up the loan months. 

and on my credit file with XXXX XXXX there is a charge off of {$1900.00} XXXX showing. 
The months of the loan was wrong and there where the issue of the loan being transferred without my permission nor did I agree to any of the terms when transferred And why did the loan go so many years not reported as it is on my credit files but show up years later. all different dates. 
errors show on credit file XXXX/XXXX/XXXX delinquency 120 days but closed XXXX/XXXX/XXXX last payment made XXXX/XXXX/XXXX XXXX closed out Loan as not paid if there was a balance and if I never paid the loan why was the title mail out and the car was traded in. 
Wells Fargo does nothing but report wrong information and has all different amounts of years showing on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative accounts reporting on my credit reports that are negatively impacting my credit scores : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX account number XXXX. I see that this account is CLOSED and has charge-off status and yet there is a past due balance on your report. Do you know it is a VIOLATION? I urge your agency to reinvestigate this account and ensure that correct, fair and complete reporting is given, as required by the FCRA Laws. I do not believe the status of this account is ACCURATE and CORRECT.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
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. 
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 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.