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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX XXXX Transunion XXXX XXXX XXXX XXXXXXXX, Pa XXXX Subject : **Dispute of Inaccurate Information under 15 U.S.C . 1681i** Dear Transunion, I am writing to formally dispute the following information on my credit report under **15 U.S.C. 1681i**, which requires you to investigate and correct any inaccurate or incomplete information. 

Upon reviewing my credit report, I found the following inaccurate item ( XXXX ) : - **Account Name** : XXXXXXXX XXXX XXXX  XXXX XXXX : XXXX - **Disputed Information** : I have never had an account with XXXXXXXX XXXX  I believe this information is incorrect for the following reasons : I have never had an account with XXXXXXXX XXXX and have no knowledge of this account. 



- **Account Name** : XXXX XXXX XXXX **Account Number** : XXXX - **Disputed Information** : I have never had an account with XXXX XXXX I believe this information is incorrect for the following reasons : I have never had an account with XXXX XXXX  and have no knowledge of this account. 

Please investigate this matter and correct or remove the disputed information from my credit report. As required by **15 U.S.C. 1681i**, I expect you to conduct a reasonable investigation into the accuracy of this information, and I request that you notify me in writing of the outcome of the investigation within 30 days of receipt of this letter. 

In addition, I request that you provide me with the name, address, and phone number of any party that you contact in relation to this dispute, as well as any documentation that supports their findings. 

If any information is found to be inaccurate or unverifiable, I ask that you delete or correct it accordingly. Please provide me with an updated copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

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

Im 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 168XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602a. States I have a right to privacy.

15 USC 1681 section 604a. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 7 years.

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

Multiple fraudulent accounts were opened in my name, XXXX and XXXX. I was able to close the XXXX but not the XXXX one right away. Person spent XXXX on the XXXX  card. Person apparently has all my information including social security number. Every time i try to report to transunion or XXXX, it says that it can not process my request. It is so difficult to solve these problems but so easy for other people to create them. My credit score has went down 30+ points due to this. Inquiries i did not authorize went through. I use the credit karma app and thought it would be easier, but this makes it more difficult. All companies are giving me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple " hard inquiries '' on my TransUnion Consumer Credit Report that are erronious and/or fraudulent. Specifically, this complaint is regarding the following " hard inquiries '' that I have previously and repeatedly requested be removed from my consumer credit report. They are as follows : XXXX XXXX ( XX/XX/XXXX ) : This was a hard inquiry from a company called XXXX XXXX  that I did not authorize. Both my wife and I received said inquiry. Unfortunately, our identities were both stolen in early XXXX and we suspect that this inquiry was attempted by the perpetrator. XXXX XXXX provided us a letter, dated XX/XX/XXXX, which indicated that the company agreed to have the inquiry removed from our consumer credit reports. Said letter was forwarded to TransUnion on XX/XX/XXXX. However, nearly XXXX months later, TransUnion has failed to remove the inquiry. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) : We do not recognize these inquiries and suspect that they were done fraudulently as well. I sent a letter to the company at the address provided to inquire about this. Both letters were sent back to me as " Undeliverable as addressed ''. Since the inquiry can not be verified and the company is unreachable, the inquiry ought to be removed in compliance with the Fair Credit Reporting Act ( FCRA ). My wife XXXX XXXX XXXX / XXXX ) and I both sent letters with a copy of the returned letters in early XXXX. TransUnion failed to remove the inquiry and did not respond to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove this inaccurate information as you are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX stated they would correct my status as paid on all three credit reporting companies, and they did correct on XXXX and XXXX but not equifax. Equifax report has negative report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I looked into my credit report, I found that part of the data was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the items be authenticated by the three credit bureaus. ( A ). Without providing verification within the legal time frame, it is unacceptable to treat the reporting items as unverified information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

In XXXX of XXXX I attempted to buy my husband a XXXX via XXXX for his birthday. I tried twice to make purchases via XXXX, but I was refunded via XXXX and XXXX as the listings were scams. However, in the process of one transaction, I unfortunately fell for sending money to an individual via XXXX XXXX to secure the item. I believe during this process this person somehow got my information, or infected my phone and this started the chain of events that lead to them fraudulently using my Wells-Fargo credit card and sending money from my Wells-Fargo checking account. 

I had believed my Wells Fargo accounts were actually closed on XX/XX/XXXX, up until XX/XX/XXXX when I checked my credit score and noticed a bad mark posted to my report from Wells Fargo. It turns out from XX/XX/XXXX individuals took cash advances and made fraudulent payments to my credit account. They also transferred monies to my checking account and used cash apps to take money out of the checking. 

I have tried to resolve this issue with Wells Fargo repeatedly to no avail. I have sent multiple letters and called multiple times. It is very frustrating that no one person can be contacted over the phone to sort out the details of the case. The purchases, deposits, and activity on the card throughout this period match no prior activity or behavior patterns since the inception of the account. I maintained an 800+ credit score prior to this incident and have routinely contributed to my savings and retirement accounts. My behavior doesnt match someone who made these charges, or even knew of them. Wells Fargo has denied my claim for two reasons from what I can tell. The first is that Ive made payments on the card, which I have not, and that the transaction came from an authorized user, or gateway. I am the only authorized user of my account and I did not make these purchases. 

I sent a letter disputing this again XX/XX/XXXX to Wells Fargo. I have not heard back from them, so on XX/XX/XXXX I filed a police report with the XXXX Economic Crimes Unit and I am filing a complaint with the Consumer FInancial Protection Bureau. I hope these actions can help cause this issue to come to a proper closure.
Product: Debt collection

Debt Collection agency is reporting to Consumer Reporting past the 7 year limit. A debt validation letter was sent, Collections agencies response was an itemized debt statement with no indication that the debt was valid or belongs to me. Please remove this debt collection from all 3 bureaus. per FCRA debts must be 100 percent accurate of reporting agency is subject to penalties up to {$1000.00} per violation and losses incurred by false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding inaccuracies on my credit report. After reviewing my report, I have identified specific accounts that must be addressed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/21 regarding inaccurate account with XXXX XXXX reporting on my credit report. THIS account is inaccurately reporting across all three credit bureaus and is damaging me. To this day over 60 days later I have not received a response yet. Section 611 ( a ). it is stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been 60 days so they should be deleted promptly. I demand the account be deleted immediately or I will file for litigation due to the stress you caused me. I have attached a copy of the report along with proof of identity.
Product: Debt collection

Lobel Financial told me via email that I need to deal with debt collector that my account was sold to and not them. I am now handling account with XXXX. Me and XXXX negotiated the account for the written off amount of XXXX. And {$100.00} a month. So far, Im current on the account with them. Lobel financial keeps reporting a higher amount on my credit report that goes up each month, they keep reporting late payment even though the account was a repossession. They have the account listen as a charge off instead of a repossession. And they keep hitting my account with random inquiries.
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  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

I assumed a mortgage from a family member, and now the loan is reporting with the old payment history that I have nothing to do with. I assumed this loan in XXXX XXXX and I am only responsible for the payments from XXXX XXXX XXXX. My credit score has dropped drastically.XXXX XXXXXXXX should not have reported the negative information of the loan to my credit report. Please help me resolve this matter ( ASAP ). Thank You
Product: Money transfer, virtual currency, or money service

We have a sellers account with e-bay and when we sell something the money is transferred to our pay pal account. On XXXX/XXXX/XXXX we received an email from pay pal stating that a hold was put on our account and all monies were being held for 180 days. 
The reason given was that we violated our agreement with pay pal. First of all the sale in question was for {$18.00} and they are holding over {$1000.00} of our money. They are saying the product is in violation of their policy, We have never been given a list of prohibited products and have been selling this particular product for months without any problem from e-bay or pay pal. For this company to hold our money for 180 days is fraudulent, We have called customer service and gotten the run around several times telling us to e-mail a department in pay pal, which we did and got no response. We sent in formal complaints and only got the response that our appeal was denied. We subsequently send a long letter to 34 e-mail addresses for pay pal giving them till the XXXX of XXXX to respond. We have gotten no response as of today. WE have a case number XXXX. We want our money back now, there is no legal reason for them to hold it. We will gladly cancel our account and do business elsewhere if that 's what they want. 
Please file a complaint for us on our behalf. We are also going to BBB and the XXXX XXXX  XXXX office, Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a second formal complaint that inaccurate and incomplete information is being reported on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately notation date and balance whether reported or not. 


The XXXX  days past due payments that are being reported are for months that I was granted an extension arrangement which according to Westlakes policy : An extension arrangement is available to customers experiencing temporary, financial hardship to defer XXXX or more installment payments to the end of the contract term. 

When a payment is deferred to the end of the contract, the scheduled contract maturity date, or final payment date, will be extended by each installment that was deferred and may result in the assessment of additional interest. 

How can I be XXXX  days past due if I made a payment arrangement with Westlake within my due dates and before my grace period ended. Westlake never reported any past due payment until after my auto loan was paid in full.

I started applying for extensions because of billing errors on Westlakes end. I was being charged for payments that was already paid. They never admitted to this, but I have since received checks from Westlake for the overpayments.

I respectfully request to be provided proof that these payments were in fact late. By the provision of the consumer laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL ( Paid as Agreed. Never Late ) and supply a corrected credit profile to any creditor who have requested my credit report in the last XXXX months. 

I have attached copies of my transaction history printed from my online account with Westlake and my payment history that was emailed to me from Westlake.
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 ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$100000.00} - Late open XXXX XXXX XXXX Balance : {$28000.00} - Late open XXXX XXXX XXXX Balance : {$100000.00} - Late open XXXX XXXX XXXX XXXX : {$28000.00} - Late open
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out dispute letters and certified letters dated as XX/XX/2022 and XX/XX/2022.
Product: Debt collection

Response to CFPB compliant # XXXX. Wakefield and Associates failed to respond or validate the alleged debt. What they sent me on XX/XX/18 is not valid information to valid the debt. I NEVER signed a HIPPA release form and they failed provide me any documentation with signature or nor did they have a bill of sale. Please review Attachment. The itemaized document is not valid. 



XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Date : XX/XX/18 Re : Acct # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt, account number XXXX on XX/XX/18 AND XX/XX/18 Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you. 

Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I look forward to hearing from you, XXXX XXXX
Product: Debt collection

XXXX XXXX co and XXXX XXXX XXXX broke law andfair debt collections practice they said i was served with court documents but i was not uneven in town i sent demand letter asking for all negative reporting and court documents to be removed they agreed. Credit bureaus have failed to remove from report
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2014 through XX/XX/2014, XXXX/Navient is reflecting late payments on my credit reports with all three Credit Bureaus. This information is inaccurate as the loans should have been in deferment as I was enrolled in school. I submitted disputes with all three Credit Bureaus and they are still reflecting the inaccurate information from XXXX/Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to XXXX XXXX asking them to prove to me that the XXXX account for $ {$3900.00} belongs to me since it was verified through Transunion that this was my account. I did n't receive a response so I sent another letter to Transunion disputing the account on XX/XX/XXXX with proof showing that this account did not belong to me. They still sent back a letter saying verified. I sent a final attempt letter with proof again on XX/XX/XXXX to resolve this issue to Transunion and once again they sent back that the account was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information that was on my credit Report with Transunion and XXXX almost XXXX months ago with XXXX XXXX Account # XXXX Late payments that was incorrect XXXX gave them 30 days to respond and they don't so XXXX send me paper work that it was verified that I had No late payments so, Two weeks later XXXX Placed the late payments back on my Credit Report. It is against to fair credit act to do so without a consent or notifying me before places inaccurate information on my Credit report I have asked them to notify me before doing so because I have had a fraud alert on my credit report in 2017.I need this off my Report in the next 10 business days or I will have to speak to my lawyer.Please contact Transunion and XXXX.Thanks
Product: Credit reporting or other personal consumer reports

INQUIRY .CAPITAL XXXX BANK DATE XX/XX/XXXX CAPITAL ONE DATE XXXX XX/XX/XXXX XXXX MOTORS DATE XX/XX/XXXX XXXX AUTO DATE XX/XX/XXXX XXXX BANK DATE XX/XX/XXXX ALLY FINANCI DATE XX/XX/XXXX SANTANDER DATE XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity fraud and already informed all three credit bureaus I have taken every action that I was informed to do and still this matter is continuously happening
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX Has violated my rights. 

15 U.S.C 1681section 602A. States i have the rights to privacy.

15 U.S.C. 1681 section 604A. It also states consumers reporting agency can not furnish a account without my written instructions.