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

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information Dear Sir/Madam , I am writing to dispute inaccurate information listed on my credit report provided by Transunion. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX XXXX # XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Based on the provided image of the credit report for the XXXX XXXXXXXX account across TransUnion XXXX XXXX, and XXXX XXXX here are the key details to compare and potential inaccuracies to consider disputing : Date Opened : XXXX XXXX XX/XX/XXXX. Matches Experian but not TransUnion. 
High Credit : XXXX : {$5300.00}. Different from both TransUnion {$6700.00} and XXXX {$0.00}. 
XXXX XXXX : XXXX : {$0.00}. Matches XXXX, but not TransUnion {$4700.00}. 
Last Reported : XXXX : XX/XX/XXXX Different from TransUnion and XXXX, both of which report XX/XX/XXXX. 
Comments : XXXX : Charged off account. Accounts closed by credit grantor. Different resolution description compared to TransUnion Charged off as bad debt. Dispute resolved ; reported by grantor. and XXXX Account was in dispute- now resolved - reported by subscriber. 
Date Last Active : XXXX : XX/XX/XXXX. Much earlier than TransUnion XX/XX/XXXX and XXXX XX/XX/XXXX. 
Date of Last Payment : XXXX : XX/XX/XXXX. Earlier than both TransUnion and XXXX, which report XX/XX/XXXX. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including documents/evidence supporting the claim, such as billing statements, payment records, or correspondence with creditors. 

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

I am also including a copy of my dispute to the organizations below. 

CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Attorney Generals Office CC : XXXX XXXX XXXX : Federal Trade Commission XXXX : XXXX XXXX XXXX Thanks For your Cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never been late on numerous accounts that are on my credit report and I've sent letters to the companies and credit bureaus to verify the late payments and NO RESPONSE. The days I sent the late payment letters were XXXXXXXX  and XX/XX/. The companies are XXXX Bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Department of Defense.
Product: Checking or savings account

Chase said I can open account i gave them mall info for business  a week prior they took my money allowed me open account then out of blue closed it the reason is a lie
Product: Debt collection

They keep calling. I have stopped answering due to the rudeness and threatening tone they use. Refuse to give me any information pertaining to exactly what the debt is and who from.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Debt collection

I have no knowledge of this account, therefore ; it was applied under my name without knowledge. I called the company and verified that it was not my account because the birthday entered is incorrect. Also, this account was purchased by a third-party collection agency for pennies on a dollar in hopes of collecting. I have not given any company to transfer my personal information, nor have I given anyone permission to use my name to obtain these services.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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

Corrected wrong account with XXXX Monday XXXX XXXX XXXX Paid XX/XX/XXXX not reflected. Tell me 30 days while I am held XXXX with a credit score of XXXX 2 Learn more XXXX Data XX/XX/2021 XXXX XXXX XXXX and debt to income wrong. XXXX sent a alleged repaired report which was NOT and still wrong and all three continue to have outdated and wrong information they provide to third parties and you the CFPB do nothing! Meanwhile held XXXX because updating not real time impacting our ability to borrow and causing usurious rates.
Product: Debt collection

I tried calling the debt company on XX/XX/XXXX to try and figure out where and when this debt was accumulated. They could not give me an answer, very very rude customer service.
Product: Student loan

I submitted my School Misconduct Application on XX/XX/year> - after working on it for several weeks. I attended XXXX XXXX XXXX XXXX XXXXXXXX from XXXX. I gather all the information I could find of the fraud/misconduct/and lawsuits the school had been through over the last two decades. I did not have a lot of personal emails to submit because that was not information I still had available after all these years. I explained my story and experience from attending the school and my application was denied without a sufficient explanation of why. I feel Navient should describe in full detail what my application was missing that caused it to be denied.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX  XXXX Balance : {$700.00}
Product: Credit card

Last XXXX I bought a merchandise on line it came defective, I tried to look a viable solution with the seller we could n't find. I contacted Shell Master card to initiate a disputed for the amount of {$94.00} I sent Shell Master Card proper documentation. Theydenied me assistance saying : '' The Merchant is willing to work with you '' and '' based on a review of the circumstances surrounding the charge we have noresource to recover the funds ''. I believe Shell MasterCard is unwilling torepresent me with the merchant, for the defective merchandise I received. 
Also I have to mention the Merchant does n't have the merchandise to exchangeit. I 'm attaching documentation on regards. Thanks.
Product: Credit card or prepaid card

The card has been paid off for well over two years and I have about 5,000 reward miles that they will not allow me to redeem. I 've tried contacting them and get the explanation that my account is not in good standing. I do n't see what more I can do than having the card completely paid off. The out-sourced support person can only say in broken English " you have to get your account in good standing ''. I will certainly never do business with Capital One again.
Product: Debt collection

XXXX XXXX XXXX XXXX PURCHASERS OF XXXX 
Original creditor is Capital One bank. Account sold and resold to XXXX who claims ownership to account with the thundering statement of : " The original amount of this account was {$520.00} ''. 

No further clarification as to when or where or what was purchased. Just an existing balance with an incorrect date of last account activity/payment. No Capital One records custodian signing of on a paper trail of account ownership : just an existing amount - pay. 

Date opened - Date of Status : XX/XX//2017? Was that when Capital One was used to make the last purchase or when the last payment date was made? no paper trail offered - just an existing balance : pay.
Product: Money transfer, virtual currency, or money service

Over the past several months, there have been MANY fraudulent transactions from my bank account ( XXXX XXXX XXXX ) being sent through Cash App to accounts I do not know. 
Several years ago, I had a Cash App account because I got paid from a side job off the books using Cash App. After that job, I closed my Cash App account and have not used it since. When these transactions began happening, I signed on to my old account again to see if these transactions were happening through there- but they were NOT. 
I have spoken on the phone with both XXXX and Cash App and they both tell me to reach out to the other company. I spoke on the phone to XXXX person at Cash App who seemed to be helpful- he was able to see that there are two Cash App accounts with my name on it- probably the one I used several years ago and another one created by someone else. However, our conversation got cut off and I was never able to get in contact with him again. NO ONE has been helpful in getting my money back. 
I do not have access to my XXXX account currently, ( Due to the amount of fraudulent activity and the amount of times that I needed to dispute charges, they made the decision to close my account. ) so I am unable to show the charges. I am missing around {$30000.00} since the beginning of XXXX and I believe there were more charges through Cash App from before that.
Product: Credit reporting or other personal consumer reports

I noticed, via the credit monitoring service, XXXX XXXX, that a total of XXXX newly instantiated hard inquiries ( screenshot of mobile application included ) appeared on my credit overview. This overview takes into account activity that occurs across the 3 bureaus. 

Within the detailed information section of each of these hard inquiry alerts, there exists a common date range of between XX/XX/XXXX and XX/XX/XXXX. I have not, in fact, authorized or voluntarily initiated any hard inquiries into my credit history during this time period. Among the institutions named as having made these inquiries are the following ; VW CREDIT, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX 

What struck me as curious was the XXXX XXXX comment as, in XX/XX/XXXX, I did in fact solicit a string of hard inquiries at a dealership in XXXX, FL. The name of the dealership in question is : XXXX XXXX XXXX XXXXXXXX. I did not end up following through with the purchase of a vehicle during this time, rejecting a proposed offer by salespersons at this establishment. 

I currently reside in XXXX, CA and have done so since late XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchase a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was a name, accounts, and Inquiries on my credit report which are misleading to me. I already sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). These following accounts needs to correct right away :
Product: Credit card

Chase Ink never credited {$3000.00} check written and mailed XXXX XXXX XXXX. 

When learned Chase Ink had no idea where the money went, I authorized a {$3000.00} transfer from my checking account. 

I then asked Chase not to cash the missing check since 1. the bank had not received it for payment a month later and 2. cashing the check, if it appeared, would empty my account of all funds. 

The company refused, saying if check shows up, they will cash it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquires ON ALL OF MY CREDIT REPORTS That I never authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Request for Deletion of Charge-off with Forward Follow Agreement I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between Velocity Investments LLC and XXXX XXXX As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the charge-off is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business 3 to comply with the terms of the agreement. 

Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent credit report I see an account listed for XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Equifax has this account listed with incorrect DATE OPENED of XX/XX/2020. I spoke to XXXX and entered into a payment arrangement ( attached is text from XXXX confirming the payment arrangement ) so why is this account being listed as in collections, when I am clearly in an agreed payment arrangement which does not need any further collections activity or status or notifications. Why has Equifax not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$3500.00}
Product: Credit card

I received the attached notice ostensibly from Target, alleging I owed them a payment. Neither my wife nor I have ever had a Target credit card or been in one. I called and the firs question asked was for my Social Security number. This is either a questionable market strategy or a complete scam. I have no idea. If you could inquire, that would be appreciated and would perhaps prevent people from providing their SSN. Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the grace period : My payment for XX/XX/XXXX was made on time, which falls within the grace period set by Ally Financial. Therefore, the account should not have been reported as 30 days late. 
Bank error resulting in delay : The payment was delayed due to an error in my bank 's processing system. I provided evidence that I initiated the payment on time, but it was not processed correctly by the bank, causing the late reporting. This error was beyond my control. 
Evidence provided : I have attached bank statements and payment confirmations showing that I initiated the payment before the due date. This documentation clearly demonstrates that the delay was due to a technical issue with the bank, not my negligence. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I am victim of identity theft and followed every step in the Recovery Process on the Federal Trade commission 's web page to no avail. 
I received a letter from Experian telling me they can not remove the derogatory merchants rom my report yet I sent them tie letter from FTC SEVEN times! The last time certified mail return receipt requested but when they told me they received it, I think I threw it out. 
The letter stated that I made report in err or a nd should pay my bills!??? 
This has been going on since XX/XX/2019!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a letter to XXXX, XXXX, and TransUnion Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Date Opened : XXXX  Balance : {$11000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX XXXX XXXX Date Opened : XXXX  Balance : {$130.00} XXXX XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Date Opened : XXXX Balance : {$780.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Date Opened:XXXX Balance : {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 during Hurricane Harvey we spoke with our mortgage company XXXX/XXXX XXXX and they agreed to let us work on a payment plan due to the devastation of the hurricane. They agreed to report the payments as being on time yet when I received a copy of my credit report the months they agreed to report as current are showing delinquency. I tried to dispute it with the bureaus thinking the problem was they were not communicating with the company but they indicated they did. I was told buy XXXX/XXXX XXXX it shouldn't be reporting late. I don't know what else to do can you  please help me get this resolved?
Product: Mortgage

I contacted Wells fargo 's escrow department on XX/XX/year>. After a lengthy and painful discussion we discovered that I have been over escrowed by {$21000.00}. Wells Fargo said they would resolve the issue within 10 business days. I have since contacted my local township tax department and they have not heard from Wells Fargo. It is now XXXX weeks later and I have not heard anything nor does anyone know where this money is.
Product: Credit reporting or other personal consumer reports

I HAVE CLOSED ACCOUNTS ON MY REPORT THAT I CAN NOT VERIFY AND NOBODY ELSE CAN EITHER. 

I'm here asking the CFPB to make these agencies perform properly, and to show me what they have. 
I need my original application with my wet signature and the beginning of the account ledger to show the debt My principal allegedly owes. 

If not please have this deleted immediately. and have all agencies reflect this change and to mail me a copy. 

account : Lendmark finacial services llc