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

XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. 


This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately : Account Name : XXXX XXXXXXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful noncompliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Student loan

Hello i am paying a private student loan to a national lender. The problem is that i had make a lot of payment during a period of 8 years and the principal still practically the same at the original amount. Original amount XXXX, and today debt is XXXX. I had call then and they only said that those payments represents interest over interest and past due penalties costs.
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 has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on SANTANDER ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Checking or savings account

Bank deemed the transaction as suspicious and locked my account on XX/XX/22, around XXXX pm. The phone number provided only was manned the next day morning and I am trying to help my relatives XXXX  XXXX. When I called the next day and verified my information, they still failed to unlock the account, even though I verified the transaction as legitimate. My call is not prioritized and I have to wait very long times on the phone. Then my phone call got dropped. This is a nightmare. I should be able to have access to my money.
Product: Credit card or prepaid card

I have several opened disputes with Chase credit card. I have submitted additional information on each account as requested. Chase denied several of the disputes for example siting I did not submit documentation as requested. The disputes stem from merchants product as not describe to merchant 's mischaracterization of the described goods or services and/or dispute concerning the established quality of goods or services provided to me. For example XXXX XXXX made a reservation and the room was unsanitary the patrons appearing to have permit residence as welfare recipients. A woman XXXX in the hallway a group of people appearing to involved in a drug transaction, the room water damaged ceiling and the floor filthy with hair and debris. The particulars are within the dispute to Chase however it was denied on XX/XX/2018. I was notified by phone. I called back and explained the matter to a different representative and the case was reopened with a temporary credit. The problem with this particular dispute is I paid with Chase I called them at the hotel when there was a problem along with the merchant. I did not stay at the hotel, left and checked into a different hotel. I think it is obvious that I did not stay at two hotels on the same day, however Chase initially and incomprehensibly dismissed the dispute siting I did not send the information requested when I did and if I did not they could see the transactions and common sense would there are two hotel charges on the same day. It is basically the same with each dispute below. 


See dispute details This page displays all dispute ( s ) that have been opened, canceled or closed during the past 120 days. 

Click the case number to see details about a dispute. To cancel a dispute, click " Cancel dispute '' in the Action column. To submit a new dispute, click " Add New Dispute '' at the bottom of the page. 

My Disputes Case Number Date Opened Transaction Date Description Dispute Amount Action XXXX XX/XX/2018 XX/XX/2018 XXXX {$100.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX XXXX IN {$190.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX {$100.00} Cancel dispute XXXX   XX/XX/2018 XX/XX/2018 XXXX XXXX {$220.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX  {$310.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX {$90.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX XXXX  IN {$190.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX  {$220.00}
Product: Credit reporting or other personal consumer reports

I have about XXXX hard inquires on my credit report from someone in XXXX using my information to try and buy a car. They are using my information as a co-applicant on the loans which have been denied. I need to get these off my credit report and let it be known that someone has my information in XXXX. I live in 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 with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681 1. XXXX XXXX LL # XXXX Has violated my rights 2.US Dept. Of Education # XXXX has violated my rights 3. XXXX XXXX XXXX # XXXXhas violated my rights XXXX5 U.S. Code 1681 section 602 A. states I have the right to privacy 15 U.S. Code 1681 section 604 A section 2- States a consumer reporting agency can not furnish an account without my written permission or instructions, which they have failed to produce and acknowledge.

15 U.S. Code 1681c ( a ) ( 5 ) 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. Code 1681s-2 ( A ) ( 1 ) -Duty of furnishers of information to provide accurate information, 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 collection

Company never mailed a right to dispute letter. Collection placed on credit report XX/XX/XXXX. Company called me twice XX/XX/XXXX and XXXX. I did not give them any information to verify me and I told them to mail me a letter I would not give them any Information. They called me if they want to collect they have to mail me a letter. The guy said well we dont have to mail yu a letter. It was placed on my credit report before they sent a letter of right to dispute. No communication occurred between us. I am filing a fdca complaint that my rights were violated as it was placed on my credit before I got a letter and never got my right to dispute legally!! I am buying a new car this week and now this is on my credit illegally.
Product: Mortgage

on XX/XX/2016 FHA borrows XXXX XXXX XXXX and XXXX XXXX XXXX closed FHA loan to buy property at XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX. 
XXXX, represented buyer in purchasing the residentail property, recieved {$6600.00} commission check on closing. 
on XX/XX/2016 XXXX and XXXX, XXXX XXXX entered into settlement agreement with settlement payment that XXXX XXXX shall pay to the XXXX the amount of {$3300.00} ''Settlement Payment. In consideration of the mutual covenants, promises and releases in this Agreement, upon receipt by XXXX of copy of this Agreement signed by XXXX, XXXX shall pay the the amount of {$3300.00}. '' " Release by XXXX In consideration of the terms, conditions and mutual releases contained in this agreement and the settlement payments, the XXXX, fully release and forever discharge XXXX, againt any and all liabilities, claims, administrative complaints, cause of action and suits that XXXX have or may have againt XXXX '' Such settlement is FRAUD AND PROHIBITED BY RESPA AND SUBJECT TO CRIMINAL PENALTIES. 
RESPA prohibits a person from giving or accepting any part of charge for services that are not performed. Section 8 of RESPA PROHIBITS anyone from giving or accepting a fee, kickbacks in involving a federally related mortgage loan. Kick-backs, unearned fee are subject to criminal and civil penalties. 

THE FACTS : During transaction to purchase property at XXXX XXXX XXXX XXXX, XXXX XXXX, GA, No complaint/claims been filed in Georgia Real Estate Commission by XXXX. 
No complaints/claims been filed in XXXX XXXX by XXXX. 
No complaints/claims been filed in XXXX by XXXX. 
No investigation have been conducted in regards of claims, demands, administrative complaints, suits during real estate transaction. No parties been involved. No one been aware of claims/complants/law suits brought up by FHA borrow XXXX. 
Lender wells-fargo Lender have NOT been aware of settlement payments to FHA borrow XXXX. Wells Fargo lender was originating the loan : XXXX XXXX and XXXX XXXX Closing attorney XXXX and XXXX have NOT been aware of settlement payment to FHA borrow XXXX. 
Listing brokerage XXXX XXXX XXXX XXXX, agent XXXX XXXX have NOT been aware of settlement payment to FHA borrow XXXX. 

''settlement agreement and release of claims '' signed by XXXX XXXX and XXXX XXXX XXXX FRAUD. Violate Federal and State law, such as RESPA section 8 kickbacks, fee-splitting, unearned fees. 
Threfore, XXXX XXXX broker at XXXX and XXXX are subject to criminal penalties of {$10000.00} and XXXX up to one year. 

FHA borrows XXXX XXXX and XXXX XXXX and broker XXXX XXXX shall be XXXX for up to 1 year and pay fee of {$10000.00} each.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan and was denied due to a score of XXXX with XXXX XXXX but XXXX with XXXX ... .also they reported serious delinquency when I don't have any.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATEXX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX   Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$4400.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$730.00} Closed XXXX XXXX XXXX   XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed OTHER LOANS XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$3300.00} Needs Attention XXXX XXXX : XX/XX/XXXX +  {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX
Product: Debt collection

XX/XX/year>, XXXX XXXX dollars trueaccord has been calling repeatedly after XXXX XXXX XXXX  sold my info to them after selling it to sunrise
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 accounts XXXX XXXX XXXX MIDLAND CRED ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX 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

I promptly disputed my Equifax credit report file because it contained two entries that do not belong to me. I filed the online form for the dispute. The results were made available to me on or about XX/XX/2018. Accessing the dispute online was very difficult, but was eventually able to see the results. Equifax said that the account belonged to me. 

On XX/XX/2018, I wrote Equifax a letter detailing why the information was incorrect and asking for a description of the procedure used to determine the accuracy and completeness of the information and for them to correct my credit report. I have received no response from this credit reporting agency.
Product: Debt collection

Jared Galleria is calling me upwards of XXXX times a day half from private numbers others from multiple different numbers mainly from XXXX. I answer and they hang up constantly. I have talked with them and explained the situation and they continue the same behavior. This is rediculous and harrassment.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting XX/XX/XXXXDear XX/XX/XXXX Dispute Department, I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Incorrect Reporting of Monthly Delinquencies ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account was opened in XX/XX/XXXX, yet it is being reported as delinquent starting in XX/XX/XXXX and continuing into XXXX despite having a fixed balance. 
Since this is a collection account, new monthly delinquencies should not be reported after the initial charge-off or placement into collections. 
This misleading reporting artificially damages my credit score and violates 12 CFR 1002.4 ( a ), which prohibits furnishing false or misleading information.

Contradictory Account Details ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The balance history shows no payments, no scheduled payments, and no updates to the balance from XX/XX/XXXX through XX/XX/XXXX, yet the account is still marked as having ongoing missed payments. 
If no payments were due after the charge-off, then reporting continuous missed payments is factually inaccurate.

This violates 12 CFR 1002.6 ( b ) ( 6 ), which requires creditors to report only accurate and verifiable information.

Failure to Update Account Status Accurately ( 12 CFR 1002.10 Furnishing of Credit Information ) The credit report states that the original balance was {$410.00}, and the current balance remains {$410.00}, meaning no payments or adjustments have been made.

However, the account is still being marked as newly delinquent each month, even though it should only reflect the original collection entry date.

This failure to maintain accurate records violates 12 CFR 1002.10, which mandates that creditors update and report credit information correctly.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information states that credit information must be accurate and updated. The erroneous reporting of new delinquencies violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly disclosed. This reporting error constitutes an adverse action that has not been properly communicated.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX  {$1600.00} XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

long story short i bought a washing machine part off XXXX. XXXX completely botched the case I had opened and refused to correct it, so I did a charge back with my credit card who also botched that dispute as well and went to the XXXX for help and they sent me san email claiming they had requested pictures of the damage item which i never received and i would have gladly provided it if i was informed. this involves Dispute ID : XXXX pic of the damaged item is being attached to this complaint. 

since this is being filed i also never received my credit card replacement either or any letter they claimed was sent out on XX/XX/XXXX requesting information. i have filed over a dozen complaints against the post office over the last couple months for various issues including missing mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested verification and validation of an entry on my credit report from the reporting agencies and the collection agency. I have sent multiple letters regarding XXXX XXXX XXXX whom harassed me by telephone multiple times but refused to send me a validation or verification of the alleged debt.
Product: Credit reporting or other personal consumer reports

Dear [ Debt Collector 's Name ], I am writing to formally dispute the legitimacy of the debts associated with the following accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Additionally, I want to clarify that my address is not XXXX XXXX XXXX XXXX, XXXX, IN XXXX, and I believe these accounts may have been incorrectly attributed to me. Under 15 U.S.C. 1692c, I request that all communications regarding these debts cease until verification is provided. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX