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

I have requested the company to help me out but I have tried almost XXXX months with this I sent a letter in May with the next statements and the documents attached and still nothing 73 P.S. 201-1 to 201-9.2 : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. 

Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report.

Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement.
Product: Debt collection

I am writing to formally dispute inaccuracies in my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my report, I found discrepancies in the account listed below : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Type : Lease Date Opened : XX/XX/XXXX Status : Charged off, {$1800.00} I assert that this account contains inaccurate and incomplete information for the following reasons : 1. The reported balance of {$1800.00} conflicts with the original balance of {$1300.00}, and the stated written-off amount of {$1400.00}. 
2. The status dates appear inconsistent, with the last payment date recorded as XX/XX/XXXX, yet the account remains charged off as of XX/XX/XXXX. 
3. No documented proof of ownership or verification of this account has been provided, nor has it been substantiated as required under FCRA guidelines. 

As outlined in 15 U.S. Code 1681i, credit reporting agencies are obligated to investigate and verify disputed items within 30 days. I request the following : 1. Provide full documentation verifying the accuracy of this account, including original account agreements, payment records, and proof of balance details. 
2. Remove this item from my credit report if it can not be verified or if discrepancies remain unresolved. 

Additionally, under 15 U.S. Code 1681s-2, data furnishers are prohibited from reporting inaccurate information. Failure to correct these issues may result in further legal action. 

Please respond to this dispute by XX/XX/XXXX. If this information can not be verified, I request its immediate removal from my credit file. 

Thank you for your prompt attention to this matter. Please send all correspondence to the address listed above
Product: Credit card

I am writing to express my urgent concern regarding my inability to access funds held in my Grid Card account. Grid Support informed me on XX/XX/2024 that my Grid Card, issued by XXXX XXXX XXXX XXXX, is currently frozen due to issues with their credit services provider, XXXX XXXX XXXX XXXX XXXX. 

This freeze has caused significant disruption to my financial affairs, preventing me from accessing my money for essential needs and causing me to miss out on time-sensitive opportunities. I rely on these funds for food and bills. 

I am deeply concerned about the lack of communication and transparency regarding the timeline for resolving this issue. I have been given no clear indication of when my funds will be accessible again. This uncertainty is causing me significant financial hardship and stress. 

I am requesting the Consumer Financial Protection Bureau 's immediate assistance in resolving this matter. I urge you to investigate the actions of Grid, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, and to ensure that I am granted access to my funds as soon as possible.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following account from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach, and this account is unauthorized. 
The following account must be blocked and deleted immediately : XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$1600.00}
Product: Credit reporting or other personal consumer reports

I am writing in regards to these frivolous inquires that's has been reported to my credit reports under no circumstance applied for any credit nor gave consent to anyone to do so as well.THESE ARE FRAUDULANT INQUIRES AND UNDER 15 USC 1681c-2 ( blocking of fraudulent information ) all information deemed fraudulent by the consumer me and these inquires needs to be removed. 

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

Please read attached FTC report. XXXX, XXXX, and Transunion I have called millions of times to get this issue resolved. I have a fraud alert there is NO WAY possible my credit should be able to be ran, There is 10 hard inquiries that was ran in XX/XX/2021 which NONE I have authorized please delete from my credit report. The XXXX XXXXXXXX loan delete if it wiont report accurately I have uploaded the title, XXXX XXXX has no proof of ID or anything on file, they advised anybody can get utilities on please delete that from my credit report as well, and XXXX XXXX apartments, somebody moved in my name which I have no clue on how that was done. This is becoming a headache and draining to continue to say this over and over and nothing be done about it.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report on XXXX and noticed that there was an UNAUTHORIZED credit check reported on XX/XX/XXXX from XXXX XXXX XXXX XXXX. 

More unauthorized checks occurred on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX from Capitol one bank. 

XXXX XXXXXXXX XXXX performed and unauthorized credit check on XX/XX/XXXX. This is a violation of the FCRA of 1970.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have religiously paid my Child Support account each month since 2019 and have never been late. I have even made multiple payments in advance so that I don't ever miss a payment. I believe it is because of these over-payments that I have made that have caused it to appear that I was late twice when I was really paid up several months in advance. I have contacted Child Support directly and they have confirmed that I have never been late on my account ( I am currently paid in advance by more than 12 months ). However two late payments still appear on my credit report. Prior to these 2 issues, I had over 800 credit scores. It is not fair to have something as inaccurate like this to affect me for the next 7 years. I have disputed these late payments directly with the credit bureaus but they are still reporting this inaccurate information.
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. 
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. 

I looked at my transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Bank account or service

I went to a local Wells Fargo branch office to close out my accounts on XXXX. I was told that my WF Credit Card and Savings Accounts were closed, but there was a federal regulation that prevented me from closing my Checking Account until after the next account cycle ended on XXXX. This seems strange since I had cancelled all activity on this account but decided to leave it alone. I was finally able to close my Checking Account by calling customer support, however, the Savings Account that was confirmed closed on XXXX is still open as of XXXX with a {$50.00} balance that I ca n't withdraw because the account is " Pending Close ''. 

I do n't understand : 1 ) Why Wells Fargo would not close my accounts when I requested them to be closed 2 ) Why Wells Fargo refuses to allow me to fully close/withdraw the remaining funds from my checking account.
Product: Debt collection

I was ordered to move from my apartment because of an issue with the complex. The property manager, XXXX, mixed up the information with the collection agency with the information of my neighbor, as she did when I moved in. It was a total breech of contract, because I never received the new appliances that were included in the lease agreement. She stated that I had to move immediately and no clean up cost would be added to my early termination of the lease agreement. Then she added a lot of cleaning fees and false information to the collections department. I can provide a written statement from the police officer that was in charge of handling my eviction.
Product: Money transfer, virtual currency, or money service

I had a money order made out to Thresholds that was stolen and cashed at XXXX bank. I made 2 complaints to the consumer financial protection bureau about this and XXXX claimed to have sent a check to my bank on XX/XX/2023. My bank, XXXX has yet to receive this check for {$290.00} as of this writing. I am filing a 3rd complaint, this time with a declaration of unauthorized endorsement or altered item signed by my landlord saying they never received the payment in question. I also submitted my checking account statement of deposits going back 6 months showing no deposit of {$290.00} from XXXX has been made to my account. this getting increasingly frustrating to me. The fraud recovery manager from XXXX, XXXX XXXX has been impossible to reach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to Experian that they were reporting fraudulent accounts on my credit file, and they refused to reinvestigate. Ive sent multiple requests with updated information and copies of my address, id, and social security and they still refuse to re-investigate and help me clear up fraud on my credit file.
Product: Payday loan, title loan, or personal loan

I called to cancel a line of credit with Umpqua Bank in 2018 after the fees became excessive. I called and requested to cancel and was told it was done. However, I checked my credit report and the account was never closed. Had I not checked, I would have ultimately been charged an annual account service fee. The representative on the phone assured me that they can not close them on the phone and rather I must send a formal, written request with the loan number to close the account.
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX Dispute of Information Pursuant to 15 U.S. Code 1640A I am writing to formally dispute certain information reported by your organization, as allowed under the provisions of 15 U.S. Code 1640A. I have recently reviewed my credit report and identified discrepancies that I believe require immediate attention and correction. 

The inaccuracies I would like to dispute are as follows : [ I need the account name, address, account number & any other documents you can receive. ] I need the account name, address, account number & any other documents you can receive I request that you investigate these discrepancies and correct any errors in my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1640A, you are required to conduct a reasonable investigation within 30 days of receiving a dispute notice and provide me with the results of your investigation. 

Additionally, I would like to request that you notify all credit reporting agencies that have received this erroneous information from your organization so that they can update my credit report accordingly. This step is crucial to ensure that my creditworthiness is accurately represented. 

Please acknowledge the receipt of this dispute letter within 5 business days and provide me with a written confirmation of your investigation 's commencement. I can be reached at [ XXXX ] or [ XXXX ] to discuss any further details or provide additional information as needed. 

Failure to comply with the FCRA 's dispute resolution process may result in legal action, as provided for under 15 U.S. Code 1640A.

Thank you for your prompt attention to this matter. I expect a timely and thorough investigation into these discrepancies and the correction of my credit report in accordance with the law.
Product: Debt collection

I do not have a contract with this company nor can they provide me with a contract. They are not allowed under the consumer laws to collect a debt from me. 

Account # XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud. 


These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Vehicle loan or lease

In XX/XX/2023 I received and email from a debt collection agency, Westlake Portfolio Management LLC stating they had my loan that was with XXXX XXXX XXXX. I had contacted the company several times only to receive a different story each time. I sent a letter of Validation of Debt multiple times to be either ignored or told they never received the letter yet stated they knew about it. I asked why my account was with a debt collection since I was never late nor behind on my payments and could not receive an answer. I asked for the judgment stating my account was to be with a debt collection company as well as validation they are even legally allowed to collect in the state of Georgia and both questions were ignored. I am not refusing to pay said debt once validation is made but WestLake Portfolio Management LLC is refusing to acknowledge the Validation of Debt letter and is taking on late fees and reporting negatively on my credit report.
Product: Vehicle loan or lease

I have a loan with GM Financial and I think it's a illegal repossession 1. I didn't receive a right to cure letter to even offer to bring the account up to date 2. when I called GM financial on XX/XX/18 on XXXX am the rep told me that no phone number was on my account, so they weren't contacting me. 
3. my account was XXXX XXXX past due at the time of repossession 4. I contacted the lender previous and asked about options to keep the account in good standings and they wouldn't offer me ANY help.. 

I will take this matter to court and sue GM Financial for their negotiations with my loan
Product: Debt collection

I have had my identity stolen twice since I moved to XXXX  in XXXX. Between XXXX, someone falsely used my information and obtained cable  from XXXX in my name. The cable was listed on XXXX XXXX. However, I have never lived on XXXX XXXX and I don't know anyone that lives on this street. 

A collections agency has sent my letters in the mail attempting to collect money for this XXXX XXXX  bill. The name of the company is called CONVERGENT OUTSOURCING, INC. Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX and telephone number is ( XXXX ) XXXX. 

I have called them many times to explain that I had my identity stolen and police reports to prove this and I have never ordered XXXX XXXX at XXXX XXXX in XXXX, nor have ever lived on XXXX XXXX. They keep sending me letters and now are sending my mother letters in the mail. 

About a year ago, I filed a complaint with XXXX  and had this removed from my credit with them. However, it is still on my XXXX   credit. I would like this removed immediately and if I can not get it removed I would like to file a lawsuit against this company. 

I am tired of this and should not have to keep reporting this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit reports ( XXXX, XXXX, and EQUIFAX ) and I'm just wanting to request that the late payments be updated as on time payments. To be perfectly transparent, I recently got a divorce and my ex-husband was in charge of the accounts. I noticed afterwards that he missed some payments during the divorce preceding 's. I'm just trying to start this new part of my life over and these late payments are hindering my ability to move on. If you look through my credit report, I have been making my payments on time regularly up until recently. 
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 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 XXXXXXXX Also, there are some addresses that I've never lived at that I seen on my credit report and I request them to be deleted also please. 
XXXXXXXX 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company " Bureau Of Med Economics '' and XXXX XXXX are in violation of my Hippa rights. I've attached correspondence between myself and this company. They've provided my my health records with providing my a Hippa signature... .This is a violation of the Fair Credit Reporting Act. I do intend on filing a Lawsuit should this account not be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Transunion have incorrect information on my Credit Report that that needs to be deleted within 30 days, The Information belongs to someone else with a similar name i mailed them many time about this. The following info is the claim numbers that were givien to me when we filed the claim. They promised me it would be deleted in 30 days and gave me the following confirmation, they have not removed it within 30 days so thats what this complaint is for. 

DELETE THE FOLLOWING ACCOUNT, IT IS NOT MINE, IT BELONGS TO SOMEONE ELSE XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$1900.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Transunion XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dispute reference # XXXX