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

Subject : Request for Removal of Dismissed Bankruptcy from My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute the bankruptcy listed on my credit report, as it was dismissed and is no longer in effect. However, despite its dismissal, this inaccurate record remains on my credit report, negatively impacting my financial standing. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c ), credit reporting agencies are required to ensure the accuracy of the information they report. Since my bankruptcy case was dismissed, it was not discharged and should not remain on my credit report as an active record. A dismissed bankruptcy means the case was not completed, and no debts were eliminated, making its continued presence on my report misleading and harmful. 

I have already attempted to resolve this issue directly with the credit reporting agencies, but they have failed to remove the incorrect information. As this is a clear violation of federal law, I am requesting that the CFPB intervene and ensure compliance with consumer protection regulations. 

Please inform me of the next steps in this process and any further information required to resolve this issue. I appreciate your time and assistance in ensuring my credit report reflects only accurate and legally reportable information. 
Sincerely,
Product: Debt collection

XXXX XXXX of Williams and fudge law firm. Contacted my place of employment. I hve never given them this information or permission to contact me there I dont even know how they got the Information. I have talked with them about proof of debt and what they provided did not convince me of the debt and I do not agree with it the school they represent us trying to collect a debt on classes I did not take after I left school and has not provided a clear receipt of debt owed I told them I dont agree with it and will contact the school to sort it out I got an email from the school saying ignore it and forwarded the email to Williams and fudge I do not know why they are trying to collect I havent heard from them in over two months and now they just randomly call my place of employment. At this point I wish to not be contacted by them any more it is very unprofessional and is harassment why they have done. They clearly went out of there way to find my place of employment d call them without my permission or asking me or getting that information from me.
Product: Checking or savings account

Money was constantly taking out my cashapp account i dont know if my information was given out
Product: Debt collection

In XX/XX/XXXX I received a letter from the law firm/collection agency representing XXXX XXXX XXXX regarding my outstanding credit card debt. This letter stated that XXXX XXXX XXXX had agreed to a settlement amount of {$4700.00} that would settle my account if paid by XXXX XXXX, 2016. I called them on XXXX XXXX and made a full payment via a check over the phone of the {$4700.00} and was told that once the funds cleared the bank, my account would be paid in full and closed. The check cleared and the amount of {$4700.00} was issued to Glasser & Glasser on XXXX XXXX. A few days later I received a court issued warrant for a court date in XXXX about the debt. The same day I received a letter of receipt dated XXXX XXXX, 2016 for the settlement of {$4700.00}. A few days later I received another letter of confirmation dated XXXX XXXX that my account would be considered settle in full upon clearance of the funds - which they already had been clear as of XXXX XXXX. After receiving the warrant, I called Glasser and Glasser. At the beginning of the call I am told that I have a balance of {$9500.00}. I tell him, that I paid the settlement on XXXX XXXX and he then says " Yes..I see that is noted ... '' I tell him about getting the warrant and he apologized for the confusion and tells me that the case has been dismissed and later assures me that I will not be receiving anymore conflicting mail and my account is, in fact, settled in full. I called the XXXX Court a few days later to confirm that my case had been dismissed, but it had not yet been dismissed and I still had a standing court date of XXXX XXXX. I asked to be called once the case was dismissed. I have not yet been called as of today, XXXX XXXX. A week later, I receive a letter along with a self-addressed envelope from Glasser & Glasser dated XXXX XXXX, 2016 asking for payment because they had not received it. As of now, I do not know if my account truly as been settled and dismissed. I feel harassed and panicked that I will be charged for more money or worse be jailed if this matter is n't taken care of once and for all. I paid the agreed upon settlement of my debt, I should no longer have to worry about this matter, but Glasser & Glasser continue to harass me with contradicting information and have not done what they say they have done regarding dismissing the court hearing. I called Glasser & Glasser yesterday, XXXX XXXX, but had to leave a message. I have not been called back. I am in fear that this will never go away. I have been out of work for over 2 years, but have been going to school. I have strong prospects for a new job that will be starting soon. I am worried that Glasser & Glasser will continue to come after me and try to garnish my wages for this debt that has already been paid.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention regarding the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The companies have acknowledged these errors and committed to updating the status to open/never late. Other credit bureaus have already corrected the status of these accounts after recognizing the inaccuracies. 

I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. Based on information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your
Product: Credit reporting, credit repair services, or other personal consumer reports

I consider this fraud and plan on suing XXXX XXXXXXXX XXXX for fraud and falsification of information if this doesn't get resolved. XXXX XXXXXXXX XXXX keeps changing and falsifying the date of last missed payment so they can collect from me. According to the FCRA, Negative information must be removed from your file after seven years. XXXX XXXXXXXX XXXX keeps changing date of my last payment on my credit report so they can keep collecting, when the date has way over passed since XXXX -XXXX I AM PROVIDING PROOF with this document that the last missed payment was XX/XX/XXXX. which still should mean 7 years since VERY last payment and that I didn't bring my account current since then. it should be DELETED from my report. please view attached document which proofs this! falsification of information is not right bc it is affecting my consumer rights and finances when trying to buy a home! please view attached document
Product: Mortgage

Ditech mortgage was showing me as 2 times 30 in 2016. I printed off my payment history from their site and have cancelled checks to prove I was not late ever. Once I disputed with credit and filed a complaint with Ditech they agreed to research then marked me 5 times 30 for 2016. Again, I have never been late with them and have the proof from their website and my cancelled checks. Now they wont respond. I have been adversely affected by this as I can not refinance, and am not able to get pre approved to purchase a home which we were looking to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of thecreditoron a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX  XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, StateAttorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} TRANSUNION : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$290.00} XXXX XXXX ( Original Creditor : XXXX PXXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their failure to update my credit report to remove a XXXX XXXX bankruptcy that was never approved. Despite my numerous attempts to dispute and provide supporting documentation, TransUnion has not taken any action to update my credit report and this has caused significant harm to my financial standing. 

I have made several attempts to dispute this erroneous information with TransUnion. I have uploaded supporting documents through their dispute center three times, and have sent certified mail to provide additional documentation. I have also called their customer service department multiple times and spoken with supervisors, but the issue has not been resolved. 

The bankruptcy was never approved, and there is no record of it in the public record. However, TransUnion continues to report the bankruptcy on my credit report, which is causing significant harm to my credit score and financial standing. Additionally, TransUnion is reporting an account with XXXX with the account number XXXX, which is contributing to the negative impact on my credit report. 

I demand that TransUnion immediately update my credit report to remove the XXXX  XXXX bankruptcy and the erroneous account with XXXX. I also request that TransUnion compensate me for any damages that I have suffered as a result of their negligence. 

Their failure to update my credit report has caused me significant financial harm, and I believe that TransUnion should be held accountable for their negligence. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, I am disputing the reporting of all late payments and the inclusion of a timeshare account XXXX XXXX XXXX while the debt associated with this account is actively in litigation. 

Under the FCRA, creditors are required to report accurate information to credit reporting agencies. Furthermore, during litigation or dispute of a debt, it is a violation of Section XXXX ( a ) ( XXXX ) of the FCRA for the creditor to fail to properly designate the account as disputed. The timeshare company in question was issued a cease and desist in XX/XX/year> regarding the collection and reporting of this debt, as litigation is ongoing. The continued reporting of late payments during this period constitutes inaccurate and unfair reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I.C System, INC account # : XXXX has violated my rights Under the FCRA and the FDCA.

Under 15. U.S.C 1681 section 602 A : States I have the right to privacy They also violated my rights under 15. U.S.C 1681 section 604 A section 2 : Which states a consumer reporting agency can not furnish an account WITHOUT my WRITTEN instruction. WHICH THEY DID NOT HAVE!

They violated my rights under 15 U.S.C 1692b section 2 that states : shall not state that such consumer owes any debt ; This consumer has contacted me multiple times without consent and sent me letters. 

As well as under 15 U.S.C 1692b section 3 that states. Shall not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; WHICH THEY DID NUMEROUS TIMES! in attempt to collect a debt. 

Again They also sent me a letter which violates my rights under 15 U.S.C 1692b section 5 that states : shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

After breaking all of these laws and violating my rights I demand justice and for the account above to be deleted from my credit report.
Product: Debt collection

Credence resource sent me a letter regarding the debt in question. I answered them by disputing the debt with the incorrect information. they resent the letter again with the same information i disputed the debt asking for validation of debt for the correct information. I have not heard anything from them. date was XXXX {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion charged me {$1.00} so I could view my credit report. Then they billed me XXXX XXXX monthly for a service I did not want or need. It is completely deceptive. No one should ever have any dealings with TransUnion. They are dishonest company that is only trying to scam you out of your money.
Product: Credit reporting or other personal consumer reports

I need to bring a serious issue to your attention regarding my credit report. It contains mixed information, and Ive identified multiple accounts, transactions, and items that are not mine. This is deeply troubling and has been causing me significant stress and XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX  XXXX XXXX XXXX XXXX, FL, XXXX, while my credit report shows an outdated address of XXXX XXXX XXXX XXXX, XXXX, FL, XXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting or other personal consumer reports

I am writing to complain to XXXX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I wrote TransUnion about and negative information that was on my credit report, and they never replied so on XX/XX/XXXX I wrote TranUnion another letter to remove the negative remark off my credit because they didn't reply in the 30 days time frame, and yet and still I haven't heard anything back from them. So now I'm putting in my complaint.
Product: Debt collection

THIS COMPANY HAS BEEN ILLEGALLY REPORTING INCORRECT INFORMATION TO THE CREDIT BUREAUS CAUSING HARM TO MY CREDIT SCORE. I'VE MADE MORE {$850.00} OF PAYMENTS SINCE XX/XX/2020 WHEN WE CAME TO AN AGREEMENT. ATTACHED ARE ALL PAYMENTS AND SAID AGREEMENT. I'VE CONTACTED THIS COMPANY THROUGH EMAILING ON THEIR WEBSITE & CALLING WITH NO RESPONSE.
Product: Vehicle loan or lease

Wells Fargo Dealer Services repossessed a car from me I contact them to dispute the item off my credit report and they never got back with me. This was a illegal repossession I never received any documents from them after they repossession the car like ( where it was sold, for I can buy it back, how much they got for the car or a letter letting me know it was up for repossession ) the dispute letter listed below ask them to provide proof and all the documentation that this repo was legal
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third XXXX to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$690.00} XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card

Capital One, I am writing to express my disagreement with the inaccurate information provided in your recent letter dated XX/XX/XXXX, regarding my account with Capital One. It has come to my attention that the information being reported on my credit reports is still not accurate, specifically regarding the dates and payments associated with the account. 



Firstly, I would like to reiterate that I personally closed this account in XXXX of XXXX and made payments due to financial reasons. However, I am currently unable to access my Capital One account and retrieve any of my old records. Despite this, I have noticed that Capital One has been reporting late payments on my credit reports when this account was closed. When I contacted Capital One in XX/XX/XXXX, I was informed that there was a balance of {$250.00} I believe that this balance is less than {$400.00}, taking into consideration any late fees or interest that may have been added. I also send verification forms to be filled out by your company on XX/XX/XXXX, and I never received them back for verified of the correct debt. 



Furthermore, I would like to emphasize that the last payment recorded on your file is incorrect. the last payment was made in XX/XX/XXXX. I kindly request that you update this information accordingly you still were falsely updating an account that was closed by me not by your company. 



Additionally, I would like to draw your attention to the statute of limitations on debt in the state of Pennsylvania by law as per my understanding, the statute of limitations for unsecured loans, oral contracts, open-end accounts, revolving credit, promissory notes, and written contracts such as credit cards, medical bills, personal loans, etc., is four years. The last usually runs from the last payment made on the account, which was in XX/XX/XXXX, not XX/XX/XXXX. Therefore, if this account is indeed past the seven-year mark, as it is now XXXX, Not up 7 up to 10 years I kindly request that this old debt be deleted from all three credit bureaus as well Additionally, I would appreciate it if you could provide me with more comprehensive proof of payment history and records attached to the account, rather than just a letterhead with dates, just because you provide a letter head doesn't mean your company information is correct or valid. Thank you for your attention to this matter. I trust that you will promptly address these concerns and rectify the inaccuracies on my account. I look forward to receiving a response from you soon. 



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

Contacted XXXX  to file a dispute on a collections agency that is fraud. XXXX called back, but the call sounded fraud as the person asked for personal information and then hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had identity theft done to me and itis noted on the website of Experian and I have also taken the time to list it on this complaint. The following items does not belong to me. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX/ XXXX XXXX XXXX XXXX. 

I also have a plethora of inquiries that are due to come off that doesn't belong to me. Here are the listing : XXXX XXXX - XX/XX/XXXX XXXX XXXX-XX/XX/19 XXXX XXXX XXXX-XX/XX/19, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX-XX/XX/2019 XXXX XXXX  XXXX-XX/XX/19 XXXX XXXX-XX/XX/19 XXXX XXXX-XX/XX/19 XXXX XXXX XXXX-XX/XX/19 XXXX XXXX XXXX-XX/XX/19 XXXX XXXX XXXX -XX/XX/19 XXXX XXXX -XX/XX/2019