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

On XX/XX/2020 at approximatelyXXXX XXXX I was informed by Wells Fargo records department that a delinquent late payment account that was previously in their records, no longer exist in their system however they are still reporting this inaccurate information as accurate on my credit report. 

Even though Wells Fargo, creditor, agrees that the information is incorrect and does not exist in their system and should not be on my credit report which was brought to their attention on the above date, they are refusing to initiate and take responsibility to contact the 3 major credit bureaus to remove this erroneous information off of my credit report stating that I would need to 1st dispute it with them. 

Insulting as they may sound why would I need to dispute this account with the creditor Wells Fargo when they have admitted on a recorded line on 2 separate occasions that this account does not exist in their system, by law if the creditor agrees that this information does not exist and/or is incorrect it is their responsibility to contact all 3 credit bureaus to have this information removed immediately which up to this point they have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 Subject : Dispute of Inaccurate Information per 15 USC 6802 & 15 USC 1681-c-2 Dear Consumer Relations Department, I hope this letter finds you well. I am writing to formally dispute certain information contained in my consumer report as provided by your company. According to the provisions of 15 USC 6802 and 15 USC 1681-c-2, I have the right to request the accuracy and validity of the information being reported about me. 
I recently obtained a copy of my consumer report from your agency and found some inaccuracies that require your immediate attention. The discrepancies pertain to the following items : XXXX XXXX - XXXX : Account # - {$2400.00} This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b I must emphasize the significance of having accurate consumer reports, as they play a vital role in determining various aspects of my financial life, such as loan approvals, interest rates, and job applications. These inaccuracies have the potential to adversely impact my creditworthiness and financial standing, which is why I request your immediate attention to rectify these errors. 
Per the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), it is the legal obligation of consumer reporting agencies to conduct a reasonable investigation upon receiving a dispute regarding the accuracy of information in a consumer report. I hereby request that you initiate a thorough investigation into the disputed items mentioned above. 
During your investigation, I kindly request that you verify the accuracy of the disputed information with the original creditor or data furnisher. 
Promptly update my consumer report with the correct and accurate information. 
Provide me with a written statement of the investigation results and any changes made to my consumer report. 
Please be aware that as of the date of this letter, it has been 65 days since my last letter, and I have not received any response from your agency regarding the investigation. This lack of response is in violation of the FCRA, which requires consumer reporting agencies to respond to disputes within 30 days. 
As such, I urge you to expedite the investigation and provide me with the results as soon as possible. Failure to comply with the FCRA 's timeline for investigating disputes may result in legal action. 
I have enclosed copies of relevant documents that support my claim. Additionally, I request that you inform all parties that have received my consumer report within the past [ number of months ] about the corrections made as a result of this investigation. 
I expect your prompt attention to this matter to ensure the accuracy of my consumer report. Your cooperation in this dispute is greatly appreciated, and I trust that you will handle this matter with the utmost professionalism and expediency.
Product: Credit reporting or other personal consumer reports

The information listed below, which appears on my credit report, is the result of tra! cking. These fraudulent accounts consist of Auto loan account opened at XXXX XXXX XXXX XXXX on XXXX under account number ( XXXX ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on XXXX under account number ( XXXX ) Personal loan XXXX XXXX  on XXXX under the account number ( XXXX ) Personal loan XXXX XXXX XXXXXXXX opened on XXXX under the account number ( XXXX ) Personal XXXX XXXX XXXX XXXX under the account number ( XXXX ) opened on XXXX auto loan XXXX XXXX under the account number ( XXXX ) opened on 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 USC 1681. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A 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 written consent.

Type this out exactly in this box of you want to input your info and remove instructional verbiage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX I was filling out applications for employment at XXXX XXXX when their databases were hacked. Those who used the XXXX XXXX site received notices to contact all ( 3 ) Credit Bureaus and request a long term freeze and fraud alert for their credit bureau files. I wrote letters to all ( 3 ) credit bureaus with the information the XXXX XXXX gave me and a request for a fraud alert, freeze, and removal of the fraudulent data. All three wrote me back and confirmed these requests, however, on XXXX XXXX, there was a fraudulent request for credit on my credit report and my updated address ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) and the removal of my old phone # ( XXXX ) XXXX had been taken care of. But they did not put the freeze on and they allowed someone to put a hard hit on my credit report for XXXX XXXX in XXXX XXXX, Californiia. They allow people to pull without reason from citizens ' credit reports. Please help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance Owed : {$920.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance Owed : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance Owed : {$0.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX XXXX XXXX Balance Owed : {$280.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - This account is showing several violations. You are reporting a Monthly payment on this closed account. These are violation please delete this account. 

XXXX XXXX XXXX Balance Owed : {$420.00} - This account shows a lot of violations. Balance is incorrect and payment history is inaccurate. Delinquencies reported after the account was closed. These are all violations please REMOVE this. 

XXXX XXXXXXXX Balance Owed : {$2300.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full in XX/XX/XXXX, proof provided by a paid in full letter dated XX/XX/XXXX. A new account has been opened as of XX/XX/XXXX, after verification of the account being paid in full. The account was paid again in XX/XX/XXXX, after the company refused to acknowledge the account had been paid since XX/XX/XXXX. I was put back into collections without prior notice 2 weeks after opening the new account. Now the company is still reporting that I owe the balance that was paid in XX/XX/XXXX. This account needs to be reported as paid in full or it must be removed from my reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct these erroneous accounts for a very long time. please help XXXX XXXX XXXX   XXXX DEPT OF ED/XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX transunion have all my information wrong attached a copy of the wrong information please remove it
Product: Checking or savings account

On XX/XX/year>, I bought a number of electronics from XXXX XXXX XXXX XXXX in XXXX XXXX, Michigan. The products were returned XX/XX/year> and XX/XX/year>. The amounts were : {$120.00} {$84.00} {$50.00} {$50.00} {$49.00} {$42.00} {$31.00} {$31.00} {$31.00} {$30.00} {$29.00} {$26.00} The products were returned due to being not as described ( defective ). Due to the use of third party payment software, the company could not provide a return on the spot and requested I dispute the transactions with my bank, which I did. 

On XX/XX/year>, my bank, Current, informed me they had contacted the merchant and confirmed that no error occurred and that they would not be providing a refund. So, I went to the store and spoke with the owner, who informed me that Current never attempted to contact him and provided me a sworn affidavit stating that I returned the products and that he authorized the return of my funds. He also provided a sworn affidavit that Current never attempted to contact him and that he never confirmed any information to them regarding these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : 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 XXXX 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: Checking or savings account

Had charges debited from checking went into a branch to inquire about negative balance they filed a dispute even after telling them my account was stolen with police report they closed my account a few later with a balance remaining with bank of america then they did not provide me with account number or even communicated with me like we discussed at the branch in XXXX Texas.
Product: Credit reporting or other personal consumer reports

Enclosed is proof that this account is reporting inaccurate. I have no late payments for XXXX but I have late payments for Experian. I've asked Experian too remove these late payments to no avail. I've requested this account be investigated for maximum accuracy within it's reporting and of course Experian was doing sham investigations at the time so I couldn't get the late payments deleted, or they refused to properly investigate so they could be deleted. Simply " parroting '' information from Data Furnishers without an actual independent verification constitutes willful non-compliance, as affirmed in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ). I'm filing this complaint against Experian for failing to investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Experian consistently respond immediately stating the account is Accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore, Experian actions may contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB recent administrative proceeding ( File XXXX ) against other bureaus for similar violations. I request that the CFPB take action to ensure Experian complies with Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

REGARDING - extension of the student loan repayment pause Due to the economic challenges created by the pandemic, the Biden-Harris Administration has extended the student loan repayment pause a number of times. Because of this, no one with a federally held loan has had to pay a single dollar in loan payments since President Biden took office. 

To ensure a smooth transition to repayment and prevent unnecessary defaults, the Biden-Harris Administration will extend the pause a final time through XX/XX/XXXX, with payments resuming in XX/XX/XXXX. 

HOWEVER - XXXX HAS BEEN HARASSING ME ABOUT LATE PAYMENTS AND INTEREST CHARGES BOTH ON THE PHONE AND IN THE MAIL OVER THE LAST TWO YEARS. 

I AM GETTING NEGATIVE NOTICES ON MY CREDIT REPORTING FROM XXXX XXXX ATTACHMENTS BELOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting XXXX XXXX XXXX  on my consumer report last reported XX/XX/2017. This account was removed then placed back on my consumer report. I am demanding removal of this item as they are violating my rights as a consumer and reporting information that is inaccurate. Pursuant to federal law 15 USC 1681 " Reporting agencies must validate the debt for accuracy prior to reporting information. 15 USC 1692 you are invading my privacy rights as a consumer. 15 U.S. Code 1692g - Validation of debts : the alleged debt was never validated and was removed then placed back on. I demand removal of this item or else I will seek legal action.
Product: Debt collection

I gotten 3 calls from XXXX XXXX 3 times I given my attorney and told them I was on the do not call list
Product: Credit reporting

My spouse and I are a victim of UNFAIR credit reporting practices. Credit report agency was NOT able to throughly review the documented proof, did not review, did not properly investigate and did not provide valid poof on my request. All my documents attached show very clear proof that this was UNFAIR practice on my family but they have not provided even a single document supporting & justifying the collection account.
Product: Checking or savings account

I was a victim of identity theft. Bank of America opened a checking account in my name, that someone else initiated and linked it to my active credit card. This account used a fraudulent wire transfer to send the initial deposit and added their contact information to my online banking and alerts. Upon discovering this I contacted BOA to report identity theft. They said they froze the account while it was under investigation, but when I followed up a couple months later, after receiving another checking account statement they said the theft was filed incorrectly and they said they refiled. 7 months later ( and many similar conversations ) and the account is still open, still linked to my real credit card account, and I can not get them to close it or take the email address that is not mine off of my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request corrections for multiple inaccuracies on my credit report, which have recently come to my attention. The discrepancies pertain to my personal information, and unauthorized inquiries. The inaccuracies include : XXXX XXXX XXXX, XXXX XXXX, MO, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX. 

The credit report contains outdated and incorrect addresses, which are no longer associated with me, and I request that it be updated accordingly. 
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 My credit report shows several inquiries that I did not authorize. I have not applied for credit or services with the entities associated with these inquiries. I request that you investigate these unauthorized inquiries and remove them from my credit report as they can negatively impact my credit score. 

To assist you in your investigation, I have enclosed the following documents : A copy of my credit report highlighting the inaccuracies. 
Proof of my correct name and address. 
Documentation supporting the dispute of the collection accounts. 
Evidence of the unauthorized inquiries. I kindly request that you take immediate action to investigate these discrepancies and make the necessary corrections in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. Under the FCRA, you are required to investigate disputed information within 30 days and inform me of the results. If any of the information is found to be inaccurate, I request that you provide me with an updated credit report reflecting the corrections made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet, causing me to have unauthorized charge on my XXXX  XXXX credit card. I had try dispute the account XXXX XXXX, Bal : {$3700.00} XXXX with XXXX, XXXX, and Transunion. They had taken this account off my credit report, but now it's back on my credit report without notifying me, I had disputed again and provide them proof that it was unauthorized use of the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

1. Wells Fargo Balance {$120.00} Shows charged off. I never opened this account.

2. XXXX  XXXX Balance {$490.00} Shows closed. I never opened this account. 

3.Barclays bank Balance {$0.00} I never opened this account 4. XXXX XXXX Balance {$0.00} I never opened this account 5. Department of Education This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late.

6. XXXX funding Balance {$460.00} They claimed this account was collections for XXXX. Again I never had any open account for XXXX XXXX as they are claiming.

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Bank of America credit card, back in 2009ish the account was closed and I was contacted by a collection company claiming that I owed XXXX bucks. I was asking for the information behind the balance and because it was such a little amount told me that they were just going to close it because it wasn't worth their time to get me all of the requested information behind the tiny amount owed. The account closed and was removed from my credit report. Then about 2 years ago the account showed back up on my credit report. I contacted Bank of America to figure out what this was from, I have yet to get any information. I can't get the account removed. I can't get any information about the account. From what I can gather the account is already at the 7-year mark but the dates off delinquency keep changing so it just keeps on staying there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacting you all again. I tried to get a personal loan from my bank that l I've banked with for over 10 years and I was denied. When I asked why they said my credit was too poor. I was confused because I pay my bills on time and don't owe a lot of people. When they showed me my credit I was shocked to see things on there that wasn't mine. These items are still on my report : 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 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 an account without my written instructions 15 U.S.C 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 Fair Debt Collection Practices Act - 807. False or misleading representations
Product: Money transfer, virtual currency, or money service

I had asked both my bank and CashApp to dispute a transaction with an individual on XX/XX/2023 for {$100.00} for online services which they failed to complete thus making it useless, and promised to send the money back but failed to do so. After opening a dispute with XXXX  XXXX XXXX, CashApp denied the claim deeming that they completed their end of the transaction by moving the money from my account to the other persons. 
As you can see from the pictures below, the person in question gave me their CashApp ID previously, which is the same one I sent the {$100.00} to, and the photo shows a couple hours after the money was sent that they stated they had to cancel on my due to personal issues and agreed to send the money back but failed to do so as can be seen by their and my own transaction.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining. 

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 XXXXXX/XX/XXXX
Product: Consumer Loan

I behind on two loans and a credit card at navy federal credit union. I talk to them weekly about the matter. This week they have been calling my family members and leaving messages saying, " this is so-and-so calling from navy federal, please return our call. It is urgent. '' This is absurd. They have my number already. I find to be harassing and trying to embarrass me with my family.
Product: Credit reporting or other personal consumer reports

I was searching for a vehicle the vehicle car lot that I was going to get a rush on my account and my credit and they sent it to 50 different credit bureau with not allowing me to give authorization for them to do that OK