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

I am writing to follow up and to express my continued frustration and concern regarding the presence of late open accounts on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open accounts persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of these inaccuracies. At that time, I provided all the necessary documentation to demonstrate that these late payments were not valid or were the result of extenuating circumstances. However, despite my efforts, these late open accounts continue to be inaccurately reported on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The presence of these late open accounts not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. Please help me conduct a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my payment history. I would like you to assist me also about this matter and provide a written response within the legally mandated 30-day timeframe, confirming the correction of the late open accounts on my credit report. Please consider the significance of this issue and its impact on my financial well-being. I appreciate your immediate attention to this matter and your commitment to resolving it promptly. Please help me correct the followng accounts immediately : XXXX XXXX XXXX Balance : {$5700.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00}.
Product: Credit card or prepaid card

I received a letter in the mail on XX/XX/2022 from Yamaha Financial Services stating their have been changes made with the credit card consumer agreement between myself and XXXX. 
I do not have a Yamaha credit card nor have I made a purchase with Yamaha. 
I called the number on the letter ( XXXX ) and they were asking me my social security number and phone numbers. 
I did not provide the additional information requested, but they do have my name and full address.

They said they would 'handle it '.

My concern is someone may be using a credit card using my name which I never requested.
Product: Debt collection

This XXXX collection was sent to like XXXX different collection agency everyone sent me a letter to let me know I replied with police report and identity theft information. This agency decided to just put things on my report with out confirming if this debt is valid. That alone is a violation of the fair credit report. For each wrong information on report I am entitled to XXXX $ or what the law allows. They are very unprofessional and this needs to be removed immediately before I escalate this matter further
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$16000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1700.00} XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made where of an account that is XXXX years old less than a year ago when I finally started looking at my credit report for the XXXX time. Since then I have had it deleted from XXXX  but experience and Equifax at the disputing it multiple times can't get it right. I even have had Equifax say it would be removed and it just hasn't came off yet and it's now XXXX months later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted transunion, XXXX and XXXX and they did not varify any of my disputes and my inquiries when I told them on XX/XX/2022 that I didnt authorize any of those inquiries it was fraud. And the disputes I have no knowledge they didnt send proof that anything was valid not even from the creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, I have noticed that you all now are reporting a balance on an account for XXXX XXXX that was paid if full inXX/XX/2021. No other credit agency reports a balance. You all did not report a balance until I started disputing your inaccuracies. There was never a dispute submitted for this account nor an investigation requested. Someone did this deliberately as retaliation. You all know this is wrong. I expect the balance to be returned to zero immediately just as you all have had it since XX/XX/2021! This behavior is noted and will be cited in court proceedings. You all will learn to stop using overseas people who hate this country and disrespect the consumer protection laws. This is unethical and illegal. You even put a current date on an account that was paid off and closed sinceXX/XX/2021! This is very low and clearly personal. 

Please see the attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information this is NOT credit repair. This is me, XXXX XXXX XXXX. Pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ) - I have requested and I quote the descriptions of the procedures of the reinvestigations under the FCRA into each of the following account and entries furnished on my consumer report, that were verified as accurate. Transunion has had ( fifteen ) 15 days from receipt Certified mail # ( XX/XX/2022 @ XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The fifteen days are up .Transunion has not answered my demand in accordance w federal law in providing the descriptions of the procedures of the reinvestigation within 15 days pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ) and as such the following entries must be removed as they can not and have not been verified as accurate. Transunion has ignored my request and you are now in default. 

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

This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
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

On XX/XX/2020 I spoke with a manager concerning my account and per our conservation there ae some inaccuracies with what they have reported and what is being shown. Please see the attached inaccuracies as opposed to what XXXX  and Transunion are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied to rent a home with XXXX XXXX and was denied due to evictionsreporting that should not be reporting on my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately.
Product: Checking or savings account

An unauthorized transmission of fund was made from account via apple pay totaling {$1200.00}. I did not have my phone or provide any credentials for this transaction. I contacted WellsFargo immediately. Their questioning regarding the event was poor and lacked effort. WellsFargo also made multiple errors, they even submitted the claim twice which I immediately knew would complicate the claim process. Additionally their description of the event was that " I don't remember this transaction '' as opposed to the truthful descriptor of fraudulent unauthorized transaction. I contacted WellsFargo to cancel the duplicated claim. Today XX/XX/year> I contacted them to inquire about the decision for denying my claim. The XXXX was less than qualified to provide me a clear and concise reason. I was given a scripted response that generally stated ; after reviewing all the information and details, they concluded there was no fraud. The contradiction to their explanation is that I was never contacted by a XXXX to obtain any details or even asked for any additional information/documents. I was appalled but the lack of effort and ultimately my claim being dismissed so effortlessly. I was informed there is nothing they can do. I requested the supporting documents pertaining to their investigation, they informed me I will receive them in 1 month, but there is nothing else they can do for me. 

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

Equifax is refusing to rectify incorrect data in my credit file with them. Dispute correspondence is going on for over 2 years. Credit Grantor failed to respond, but Equifax willfully maintain wrong data in my Credit File. In XX/XX/2018, I have made multiple attempts to correct this issue. Spoke to a Representative, who responded : " Go to XXXX, We keep the credit score low, whereby we get more business, that is our business, and so on ''. See attached correspondence, which are self-explanatory. Credit Report shows " Reinvestigation in progress ; 30 days late, and low FICO score ''. In addition, they make it extremely difficult to provide credit report to enquirers. I was unable to get credit approved as well as deserving interest rate for Car Loan, Mortgage. I was unable to get an Internet Cable connection, as Equifax refused to provide Credit Report to them.
Product: Checking or savings account

It is so simple for Wells Fargo to provide what I request for. Now, Wells Fargo is required to report each account to the credit bureaus. We have not done anything wrong. I had a Choice Privilege account which Wells Fargo bought from XXXX. I was making monthly payments to Wells Fargo. The balance of that card was {$2700.00} Wells Fargo added the {$220.00} which the balance is {$3000.00}. This is two different accounts. Wells Fargo send letters to me every other day and calls every day. XXXX XXXX XXXX was only the authorize user of the credit card today XX/XX/2024, XXXX XXXX called to have XXXX XXXX XXXX to be removed from XXXX XXXX credit card, which I never used. To me this is harassment it seems as though Wells Fargo is not going to settle this. What do you advise me to do? I have thought about filing Bankruptcy, we have tried to do what is right? Wells Fargo do not want to accept the closure. I have refused to pay something that I did not get a receipt for. If I file Bankruptcy, it will be XXXX XXXX  and Wells Fargo will not be getting anything. I will make sure that Wells Fargo name will be at the top of the list for wrongdoing. I will wait until I hear from you from this complaint on your advice what to do. I am XXXX XXXX XXXX I do not like harassment. When Wells Fargo could do what is right. XXXX XXXX is the manager of Wells Fargo in XXXX, SC XXXX he could have prevented this situation. Thank you so much. You have really done your part on keeping us up to date. Thank you we really appreciate you and your staff. We received your E-Mail today XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to fix these errors with the credit bureaus but they have not been helpful. please help
Product: Debt collection

I received a letter from the agency for a redlight ticket I paid in XX/XX/2017. They said the check was cashed but applied to another ticket of mine. I asked for proof of the other ticket because I never got anything from the town. Over the weekend we received a letter and a copy of a ticket for a XXXXXXXX XXXX  XXXX from XXXX XXXX Illinois. The letter says here is proof of your other ticket the letter was addressed to me but you can clearly see the ticket isn't mine. When I called to complain XXXX she said they were in there right to mail out the ticket and letter to me for Mr XXXX. I shouldn't have to pay someone elses ticket and it should have never been mailed to me at all
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. 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 # XXXX from FTC report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
Next Step : Check the box for CFPB to publish the description of the complaint.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and I noticed EQUIFAX you are reporting some late payments from XXXX XXXX XXXX that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. I have attached a copy of my identification and notorized letter. Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dates reporting not accurate : XXXX, and XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT accurate.
Product: Debt collection

Focus Receivables Management. This company has been ROBO calling XXXX times per day, every day for XXXX months. The caller is using an " Unknown '' caller ID and also calls from XXXX. There is no person on the line, just a recording telling me to call a different number. I do not wish to receive calls from this company and have asked them to stop as I have retained an attorney.
Product: Payday loan, title loan, or personal loan

This was fraudulent activity due to my personal belongings being stolen I tried to let them know but I never got a response somehow someone hack my information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX CARD Services Account # XXXX 2025 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple loans only reported as late but not reporting on time payments or that they are paid off in full. The company updated information after my dispute but nothing I see has changed.
Product: Credit card

chase listed an account as charged off account more than 2 years ago. i have been asking for a 1099 c form, which is a cancelation of detb and they are refusing to send one. once the account is charged off, they have reported it as a loss, therefore a 1099 should be sent once it is requested. they are not doing that.
Product: Debt collection

On XX/XX/2022 XXXX a lawyer who was helping me resolve this disputed debt called into Ic System which department states if your an attorney -- XXXX XXXX claimed to be an attorney representing the company, and when XXXX addressed ask if she was speaking with an attorney in office, ask us to hold while she transfer us to the Consumer affairs department which we then spoke with XXXX XXXX started laughing at us and raising her voice, telling us pay bill or action would be taken against us even taking jail, XXXX XXXX told her she was ending the call because this was violation of the FDCPA and lying about us talking with a lawyer and refusing to answer questions didnt believe we was calling a company that was giving false information., I called back and then spoke with XXXX who XXXX up on me. This company has never sent me anything and this company claimed I was calling a lawyer.. THe company was purchased by someone else, they refused give information.
Product: Debt collection

This company is attempting to collect the wrong amount owed. The company has collected direct payments for the account in question since being reported. This should not be on my credit report due to company and customer agreement of direct payments to their office. This company is/will continue to report inaccurate amounts to my credit report with the knowledge of payments being made/accepted by the company owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to experian on two occasions about a fraudulent account listed as XXXX XXXX XXXX XXXX XXXX on my credit report. Experian claims to have investigated the complaint and in the end the issue has yet to be reosolved. I reached out to XXXX ( the originator of the debt ) and they have no such account listed in my name. The account has since been removed from transunion and XXXX but Experian refuses to remove the fraudulent account. I believe that experian has no validation of the account and never did a thorough investigation.
Product: Mortgage

My mortgage company made me quit my job and forced me to provide paperwork for a transfer to a new location. I was going to continue working in my current position until I could get a new position at the new location. I would have been staying in my old location moving stuff out of it and prepping for sale all while working. They told me they couldn't underwrite my loan in that situation. I told them a transfer wouldn't work the way they want it to work. They forced me to resign my current position by a certain date so I could move into the new place physically within 60 days if closing so I provided them with documents to show that intent. But now I am in my new location with two mortgages because I don't have the money to fix the old place for sale so I can't afford both places without the job I was supposed to transfer to. I work for the XXXX XXXX and was transferring to another XXXX position.
Product: Checking or savings account

On XX/XX/2023 my Chase Debit Card got declined. I called the company and they stated I needed to call the fraud department for more information. I contacted Chase Bank and they stated that my account was now restricted and the investigation is closed and my account is getting closed as well. Chase Bank never sent me any email, in-app alert, phone call, or letter in the mail regarding this. This is my business account that I have had for 4+ years. They closed it out of no where and refuse to provide me with any information as to why it happened. They also refuse to tell me when and how I will be receiving my {$50000.00} that was in the account. The company is just holding my money refusing to help.