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

On XX/XX/2021 a letter was mailed to Equifax ( regular mail to XXXX XXXX XXXX XXXX, GA XXXX ) requesting that they disclose the method they used to retrieve a Bankruptcy record that they have listed as a public record on my credit report. I advised in the letter that at this time I was simply seeking detail on their verification method. Equifax did not respond. Following the lack of response I went directly to XXXX XXXX : and the Bankruptcy Court noted on my credit report and in response both entities responded they could not verify the record themselves- and XXXX XXXX specifically as a result of not being able to verify the record - deleted the Bankruptcy record from their reporting. Following the response of both entities I submitted a formal dispute to Equifax on XX/XX/2021 ( mailed certified mail via tracking # XXXX XXXX XXXX XXXX XXXX ) which was delivered on XX/XX/2021. The dispute documentation included the notice from XXXX XXXX and the Bankruptcy court. Along with all pertinent letters. Equifax responded indicating the record would remain as the information was accurate. Equifax did not furnish any documentation to support their response or decision to leave the record unchanged - despite the evidence I sent to them showing the item could not be verified in accordance with FCRA requirements. On XX/XX/2021 I sent a follow-up notice to Equifax regarding their dispute response ( mailed certified mail via tracking # XXXX XXXX XXXX XXXX XXXX ). At this point I have given Equifax ample time to properly resolve my dispute and to review their error.
Product: Debt collection

For the XXXX time, McCarthy Burgess & Wolff is attempting to collect a debt on behalf of the XXXX XXXX XXXX that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to formally address ongoing issues with XXXX credit reporting on my profile. Despite multiple disputes filed with Experian regarding certain accounts, these inaccuracies remain on my credit report, negatively impacting my financial standing and overall creditworthiness. 
I have disputed these accounts on XX/XX/year> and have followed all necessary steps to provide supporting documentation to back my claims. However, these inaccuracies have not been corrected, and the accounts continue to be reported incorrectly, making it clear that Experian has not investigated my disputes thoroughly or in compliance with the Fair Credit Reporting Act ( FCRA ). 
As a result, I am a victim of erroneous and damaging reporting, and I demand that all inaccurate information be immediately and permanently removed from my credit profile. I expect that Experian will take prompt corrective action to ensure the accuracy of the information they report. 
XXXX XXXX XXXX  key point inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3800.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

OnXX/XX/XXXX XXXX garden used my card twice for XXXX. They refunded one and cancelled the other purchase for the inconvenience. The problem was there was a XXXX dollar purchase from XXXX. The manager there and I called AMX bluebird together to get this resolved. She gave them all the transaction ID numbers stated that there was no XXXX dollar purchase. When I filed with the bank I told them this was fraud and I would like to use my fraud protection. They argued that since I had previous gave them my info for a room it was not fraud. I told them I didn't understand I never gave permission for a XXXX dollar purchase. They said I could file for an investigation so I did on XX/XX/19. I called and checked on status and asked if I could file for my fraud protection now and they said I requested a refund and did not file fraud. I am currently on hold with them for over XXXX because I asked to speak to supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Could you please help me, 1- I had a mortgage loan with XXXX XXXX which was paid in full after refinancing on XX/XX/2016. ( Loan Number XXXX ( Property Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ). 

2-Upon reviewing the 3 credit bureaus I found the home loan to be listed as late on XX/XX/2016. 

3- I have contacted the Customer Care Department at least 4 times but XXXX XXXX   keeps giving me the same Letter indicating the loan was reported paid off and due for XX/XX/2016 the 3 credit bureaus need to resolve the discrepancy accordingly. I do not know what action to take any longer. I even asked for XXXX XXXX upper management for help ( XXXX XXXX XXXX XXXX ). Please see the XXXX XXXX letter below.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX. XXXX Balance : {$24000.00}
Product: Credit card

XXXXXXXX XXXX XX/XX/XXXX. WAS {$500.00} NOW {$0.00} WITH MULTPLE LATE PAYMENTS. THIS INFORMATION IS ON MY CREDIT AND I DO NOT RECOGNIZE IT. 

XXXX XX/XX/XXXX WAS {$430.00} NOW XXXX DOLLARS.. MULTIPLE LATE PAYMENTS. I DO NOT RECOGNIZE THIS. 

XXXX XXXX  XXXX XX/XX/XXXX. WAS {$520.00} NOW XXXX $ WITH MULTIPLE LATE PAYMENTS. I DO NOT RECOGNIZE THIS I HAVE ASKED THE CREDIT BUREAUS TO DO A FULL INVESTIGATION AND THEY CLAIMED THEY HAVE AND THERE HAVE BEEN MULTIPLE INCONSISTANCYS WITH THE RESULTS SENT AND DIFFERENT TIMES.
Product: Credit reporting or other personal consumer reports

XXXX 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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

On XX/XX/year> around XXXX {$670.00} ( all ) of my money was taken directly from my bank account. My bank gave me a phone number which led to a law firm/debt collector that I've never heard of or from.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Fraud Department I am writing to formally bring to your attention a serious matter regarding my credit report, which has caused substantial mental stress and financial harm due to inaccurate and false information reported on my credit file. I have made diligent efforts to address this issue with both the original creditors and your agency but have received no resolution. This letter serves as a Notice of Violation of the Fair Credit Reporting Act ( FCRA ) and a formal demand for the immediate removal of the inaccurate and false accounts from my credit file. Please be advised that I have retained legal counsel, and if these accounts are not removed within three ( 3 ) business days from the date of this letter, we will proceed with filing a claim in small claims court to seek remedies for these violations. 


The following accounts are in question XXXX XXXX XXXX XXXX Credit Acceptance Corporation XXXX XXXX I would like to emphasize that the reporting of these accounts on my credit report is both inaccurate and harmful, as they have negatively impacted my ability to secure credit, housing, and other financial opportunities. Under the FCRA, consumers have the right to accurate credit reporting, and creditors and credit bureaus have an obligation to ensure the integrity of the information they report. 


I have previously sent certified mail letters to the original creditors of these accounts, requesting debt validation and providing them with a reasonable opportunity to respond, as required by the law. However, I have not received any response from the original creditors within the legally mandated time frame. I have attached each letter that has been sent out with no response. The FCRA clearly stipulates that credit bureaus must investigate and remove inaccurate information within a reasonable time frame. My request for removal of these accounts is well within the bounds of the law and is based on the following FCRA provisions : Section 1681s-2 ( b ) - Responsibilities of furnishers of information to consumer reporting agencies. 

Section 1681i - Procedure in case of disputed accuracy. 

Section 1681e - Compliance procedures. 

Section 1681o - Civil liability for willful noncompliance. 


I urge you to take immediate action to investigate these accounts, confirm their inaccuracy, and remove them from my credit file. Failure to do so will compel me to proceed with a claim in small claims court to seek remedies for the violations of my rights under the FCRA, including damages for the mental stress and financial harm I have endured. I have retained an attorney, who will represent me in this matter. Please consider this letter as my final attempt to resolve this matter amicably before pursuing legal action. I request that you send written confirmation of the removal of the aforementioned accounts from my credit report within three ( 3 ) business days from the date of this letter. 


Thank you for your prompt attention to this matter. I trust that you will take the necessary actions to rectify these violations and prevent the need for further legal action.
Product: Debt collection

I was contacted at my work number by XXXX  XXXX at XXXX CST on XX/XX/XXXX at my work telephone number. I notified the person on the phone that she was not allowed to contact me at my work number. I never gave permission or authorization to be contacted at work. I also told her orally that I am not allowed to get these kinds of calls at work. She told me that she tried to reach me and was unsuccessful so she would continue to contact me at work. I repeatedly told her she may not call my work number and she suggested that I put her on hold and go into another room. That is unacceptable and unprofessional. The person never confirmed my identity other than " Is this XXXX? '' I could have been any XXXX. She did not confirm my DOB or any other information before revealing that this was an attempt to collect a debt for past due credit card payments that were 4 payments behind.
Product: Credit card or prepaid card

on my couple of cards, there were transactions which were not approved by me. i tried to dispute with a credit card companies but they were not listing to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account listed on my credit report that is not accurate from XXXX   XXXX XXXX XXXX XXXX # XXXX this account has never been verified and the balance reported is not accurate. This account I am disputing under 609, 623 FCRA. I have no documentation to show that it is even accurate. Please remove this account until I have a copy of the paperwork for my own personal review.
Product: Checking or savings account

As of XX/XX/XXXX capitol one bank has not released my direct deposit and has provided no type of information or estimated time of resolution. This has caused scheduled payments to be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is affidavit of facts, invoice and fee schedule. Since it have been over 30 days as per required by law and FCRA and Transunion has not address my disputes the following accounts are to be removed from my credit report immediately and indefinitely due to incomplete, inaccurate and/or unverified information and/or accounts pursuant to FCRA : XXXX XXXX XXXX-Fraud and they have XXXX sued by the attorney generals office and judgment granted XXXX XXXX XXXX XXXX accounts XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX following XXXX be removed as well : all address on report are incorrect and are to be deleted address should be : XXXX XXXX XXXX, Trust. 
Office of the XXXX XXXX - XXXX : XXXX, XXXX XXXX. 
c/o General-Post office- XXXX XXXX - XXXX ; XXXX XXXX. 
XXXX XXXX Massachusetts XXXX for XXXX XXXX [ XXXX ] Non-Domestic without the United States XXXX XXXX code exempt- XXXX XXXX XXXX ( XXXX ) ] all inquiries are not inquiries authorized by me all employer info are incorrect and are to be deleted Name is incorrect should be lower upper case XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Capital One Bank USA, XXXX XXXX XXXX, and XXXX XXXX XXXX. The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
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 Account XXXX Account Name : CHILDSUPPORT Account XXXX Account Name : XXXX XXXX Account 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: Credit reporting, credit repair services, or other personal consumer reports

Mail is not deliverable to me via USPS at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The further reporting of this address is leaving me susceptible to identity theft and you are liable.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXXXXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XX/XX/2023 In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX {$280.00} XXXX XXXX  XXXX {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Is reporting a bankruptcy on my credit report. I have sent information to Transunion from the XXXX District Courts explaining that they don't report public record to the credit bureau. Upon sending this letter to Transunion and asking them to remove the Bankruptcy due to the court stating they don't report to the credit bureau Transunion has refuse to verify the information as to where the info came from and also has refuse to remove from my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. XXXX XXXX {$900.00} DEPTOFEDUCATIONXXXX  XXXX {$3400.00} DEPTOFEDUCATONXXXX XXXX {$3400.00} DEPTOFEDUCATIONXXXX XXXX {$17000.00} DEPTOFEDUCATIONXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$3700.00} DEPTOFEDUCATIONXXXX XXXX {$6000.00} XXXX XXXX {$940.00} XXXX XXXX {$970.00} XXXX XXXX {$940.00} XXXX XXXX {$4000.00} XXXX XXXX {$480.00} CHAPTER XXXX BANKRUPTCYB DISCHARGED XXXX {$0.00} DEPT OF EDUCATION XXXX XXXX {$3100.00} DEPTEDXXXX   XXXX {$3700.00} DEPTEDXXXX   XXXX {$7100.00} DEPT OF EDUCATION XXXX XXXX {$4700.00} DEPTEDXXXX   XXXX {$8500.00}
Product: Mortgage

RE : Case XXXX, the terms of the County of XXXX XXXX recorded " FULL RECONVEYANCE '' by XXXX XXXX XXXX, the legal counsel for Bank of America as part of the solution of the above mentioned Case, are unaceptables by XXXX XXXX XXXX, due the stated full enforcement to collect the debt, even this second mortgage loan ending in XXXX has been discharged in Bankruptcy Chapter XXXX. Case XXXX, and Bank of America Bankruptcy Team @ XXXX XXXX XXXX XXXX. XXXX XXXX CA was properly served on XXXX and XXXX 2015. The Bank of America counsel is violating a federal law order trying to fully enforcement in collecting an already discharged debt by Chapter XXXX and surrendering secured real property procceding. " XXXX XXXX XXXX '' the Bank 's legal counsel, wrote in the recorded " Deed of Reconveyance '', that this legal instrument is solely for the purpose of release the lien of the Deed of Trust of the XXXX XXXX XXXX described real property, currently in active process of Short Sale as Foreclosure Alternative and the expected Collection Effort by " XXXX XXXX XXXX '' is totally illegal As Is in the recorded " Deed of Reconveyance '' before the Authority of XXXX XXXX XXXX.
Product: Credit card or prepaid card

I see that someone has stolen my identify to open a credit card account with comenitycapital bank on XX/XX/23 without my knowledge and utilized it. I contacted the bank and made a report against this fraudulent activity and i was told they would investigate this matter.
Product: Debt collection

Back in XXXX I had XXXX  XXXX, after I told them I was changing my service to our local service. They sent me a final bill AFTER they were told. XXXX then sold the account to Diversified Collections, the amount of this balance is XXXX in XXXX. I have disputed this several times with no luck. It has now been 5 years and they refuse to remove it from my report. I just sent in a dispute on it once again. I was told after 2 years it should be off my report by my lawyer. This needs to be removed from all of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third party rep. I have a legal right to dispute items on my report. Going over my credit report and notice some accounts does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. Here are the 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
Product: Debt collection

I informed the company that I filed bankruptcy on this debt. I was told that the debt would still be included on my credit report until they hear from my attorney saying that it was filed in the bankruptcy. I offered to give them my bankruptcy number the woman I spoke with told me she did n't need it she would deal with my attorney. My bankruptcy has now been XXXX but this collection account is still being reported on my XXXX credit report.