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

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$9500.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

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

Hello. I've reached out about accounts on my report that are illegally being reported. These accounts include negative or adverse information that I am requesting be permanently remove the following accounts. These companies, EXPERIAN, XXXX and XXXX have failed to provide me with the contracts with my signature to verify that the these accounts belong to me. 
Also inclouded will be inquiries that I have no connection with and not doing any business. These inquiries are causing negative effects to my credit profile and I wish to also have them removed. 
I am including photos of my identification so that any incorrect information including wrong addresses and incorrect names. 
Closed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Laws connected : Consumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ).

604 ( 15 U.S.C. 1681b ).

604 ( a ) ( 3 ) ( D ) ( 15 U.S.C. 1681b ( a ) ( 3 ) ( D ) ) ;
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 TransUnion, XXXX, and XXXX 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 t multiple fraudulent accounts appearing on my consumer report which I do not recognize as reported and which are the results of identity theft. I will list the fraudulent accounts along with the account numbers, XXXX XXXX opened on XXXX account number XXXX, XXXX opened XXXX XXXX account number XXXX XXXX XXXX XXXX opened on XXXX account number XXXX XXXX XXXX XXXX on XXXX account number XXXX. These accounts have resulted in several fraudulent inquiries and fraudulent collections and charged off accounts on my consumer credit report. I demand that the aforementioned fraudulent items be removed and blocked from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report 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.
Product: Money transfers

On XXXX/XXXX/2016 I sent {$300.00} plus a {$10.00} service fee through my savings account at XXXX Bank to Western Union via online. I was to receive an email with the tracking # but no email arrived. I did not have a tracking # and when my son went to pick up the money he was unable to get it. Online at both my bank and Western Union ( using my cell phone # at WU ) I was informed the money was transferred from my account and was at WU. I went online to WU and after 2 hours online and on the phone the rep told me they would resend the email with the tracking # within 24 hours. An email again did n't arrive and on XXXX/XXXX/2016 I called WU again. I was told they never resend an email but they could refund my money and I could resend the money again. After being on the phone for 30 minutes the rep said he had to transfer the call so I could get a tracking # for the refund. I spent another 1/2hr on the phone to finally be told WU can not refund the money and I would have to do that thru my bank. I finally resolved my issue by calling my bank. WU lied to me from the beginning about everything. If I had n't pursued thru my bank they would have kept my money. Their reps do not speak good XXXX and lie to the consumers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX unit XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXXubject : Dispute of Inclusion of Outdated Student Loan Debt on Credit Report To Whom It May Concern, I am writing to dispute the inclusion of a student loan debt on my credit report. The debt in question, as reported by the US Department of Education XXXX XXXX XXXX XXXX XXXX, should not be present on my credit report due to its age and the lack of recent activity. 

According to my credit report, the account is alleged to have been first opened on XX/XX/XXXX, which is over XXXX years ago. Despite not having been on my account for almost XXXX years and having had no correspondence with this or any debt servicer during this time, the account has somehow recently appeared on my credit reports ( Trans Union, XXXX ) as " ACTIVE/CURRENT '' with an accumulated interest of 52 %. This is both erroneous and unacceptable.

I firmly believe that this inclusion is a mistake and is adversely affecting my credit score and financial standing. Furthermore, the sudden reactivation of this account after such a prolonged period without any activity raises serious concerns about the accuracy and legitimacy of this entry on my credit report.

I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and ensures that this outdated and erroneous information is promptly removed from my credit report. Additionally, I urge the bureau to hold the US Department of Education XXXX XXXX XXXX XXXX XXXX accountable for the inaccurate reporting and demand immediate rectification of this error.

I kindly request regular updates on the status of my dispute and any actions taken to resolve this matter.

Thank you for your attention to this urgent issue. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to rectify this error and restore the accuracy of my credit report. 

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

XXXX XXXX XX/XX/XXXX XX/XX/XXXX Reported inquiry that was not mine XXXX XXXX XXXX  XXXX XXXX XXXX XXXX DE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found a billing issue when I reviewed my credit report. Billing mistakes are any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately reflect a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not send me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. The list of disputed accounts that need to be fixed or corrected appears below. Please do so in order to report accurate and helpful information XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$28000.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 

XXXX XXXX XXXX Balance : {$340.00} - XXXX believe this account is reporting inaccurately. I do not believe I was XXXX XXXX XXXX XXXX this account presents. I keep records of my payments and I always make my payments on time, XXXX XXXX XXXX XXXX. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Product: Mortgage

I have been working with wells Fargo for most of the last year trying to get a loan modification to get my mortgage back to a reasonable level. They have twice tried to use non judicial foreclose to auction my family 's home. In mid 2022 {$18000.00} from the haf was given to Wells Fargo which only reduced the balance by {$6000.00}. My mortgage payment was higher than it's ever been after they received the money. I do not believe they have followed the correct legal process. I have sent in the information requested by them in numerous times. I've been told they didn't get it or that it was over the deadline. When I would check the status of it I would get told they had everything they needed and to wait for them to contact me only to never hear anything back from them. I have not been provided an accurate accounting even after requesting it.
Product: Debt collection

Westlake Portfolio Management Contacted me on XX/XX/23 to attempt to collect a debt. I have no contractual agreements with Westlake Portfolio Management. 

I am writing to express my dissatisfaction with the way your company has been handling my lease agreement. As you are aware, the original company that I had signed the lease with went out of business. Furthermore your company has obtained my Non public personal information without my consent which is a violation of 15 U.S. Code 6802.

However, I have not been provided with any proof of assignment and therefore, I am unable to verify the legitimacy of your claim. Moreover, I have concerns that my right to privacy has not been respected by your company.

I would like to request that you provide me with proof of assignment. I believe that it is your responsibility to provide me with the all the necessary documentation to validate and verify this alleged debt and to act in accordance with .the FDCPA and C.F.R. 1006.34
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries on my Equifax credit report are fraudulent and I never authorized them : 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

This is my 13th attempt to notify that I am a victim of identity theft and I sent a complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of these items in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) these unknown Items listed must be deleted : XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$77.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the CFPB, in XX/XX/XXXX when I discovered an error in reporting by Ocwen Loan Servicing. Ocwen responded with a letter stating they would correct the reporting with all 4 major credit report companies, ( see attached ). I've been getting turned down for credit cards, so I requested a copy of my credit report from XXXX. 
The first item on the report is the payment history from Ocwen. It still shows late payments for XXXX - XX/XX/XXXX and a 150 day late payment in XX/XX/XXXX. I just reviewed my complaints to the CFPB, and it shows that I did file a complaint and that Ocwen responded with a letter dated XX/XX/XXXX. Letter states that they would get it corrected. 
Obviously, Ocwen is a disaster! Please penalize them, and require them to get this corrected on all credit reporting sites.
Product: Credit reporting or other personal consumer reports

reviewing my credit i notice fraudulant accounts that are effecting me i have no knowledge of this so i am reporting this matter please help!
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed collections and closed accounts with inaccurate and incomplete information. Each time, the dispute was closed within 24 hours with remarks such as verified and disputed by consumer. The process of investigation was never disclosed to me and the inaccurate and incomplete information still remains the same. I have several, duplicate negative items being reported with inconsistent information - status, dates, payment histories, etc. 
XXXX, XXXX, and XXXX have failed to investigate my disputes, provide their methods of verification and validation, and remove inaccuracies, such as accounts that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2024 Venmo froze my funds with no warning no explanation nothing EVERYDAY since then Ive emailed them, since every time I call Im told theres nothing they can do and Im not allowed to talk to my account specialist that put the freeze on my account, Ive XXXX asked for an explanation and release of my funds so I can transfer them and close my account with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened an account with XXXX that shows on my report with an open date of XX/XX/2022. 
I am not sure why I now see a collection account as I don't recognize this. 
Seems like someone is compromising my data somewhere else, and this is very alarming to me. Please help me on this matter.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$4600.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4600.00} XXXXXXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$4600.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I requested an update of explanation from XXXX XXXX XXXX XXXX. The credit card was paid in full on XX/XX/scrub>/30. Due to timing of the payment made fees were charged. After calling customer service the fees were reversed and noted on the attachment included. Due to the timing of XXXX XXXX XXXX XXXX making the corrections they charged other fees on top of their own fees that were incorrect. I have spoke with multiple customer service reps and supervisor and they make a correct I receive a letter showing the fees were removed and they never update the credit report. The payment was never late and it has been showing late since XXXX.
Product: Credit card

Re : My Disputed Case ID XXXX I am a retired XXXX XXXXr ( XXXX XXXX XXXX ) who is frustrated by being defrauded {$600.00} by a scarcely stocked convenience storeand by not being protected by my card issuer, Citibank. Here 's what happened... 
On my trip from XXXX to XXXX on XX/XX/year>, I went inside a convenience store, XXXX XXXX XXXXXXXX in XXXX, GA, to pre-pay {$40.00} with my Citicard to fill my XXXX with gasoline. After processing my Citicard, the merchant informed me that he was unable to give me a receipt because his register was out of receipt paper. Thinking nothing of it, I went out & pumped {$40.00} of gas into my car and drove off. 
Several weeks later I received my Citicard statement with a charge of {$640.00}. When I immediately protested the overcharge to Citicard, they advised me to contact the merchant. Phoning the store XXXX, he angrily refused to give me his name ( he sounded XXXX ) and he informed me that he had no transaction receipt to give me describing the charge. On another attempted phone connection, his clerk said, XXXX is worth {$640.00} in this store. 
Also, XXXX decision to deny my {$600.00} overcharge was based on a major error. Citicard reported back incorrectly that the reason for the dispute was XXXX XXXX. This is absolutely false because no goods were involved, except {$40.00} in pumped gasoline. There was nothing else to return. I bought {$40.00} in gas and was improperly billed {$640.00}. This is absolutely absurd and an obvious case of fraudulent billing by taking advantage of an old man who likely would not be checking his bill carefully.. 
Because I had no written receipt or any paperwork to support my case, after months of dickering with multiple Citicard departments, my disputed overcharge of {$600.00} has been denied on XXXX different efforts. I am shocked that Citicard has refused to protect me as a cardholder. I am left to protest this decision. My XXXX ID is XXXX. 
Sincerely,
Product: Credit card or prepaid card

THIS ACCOUNT WAS OPENED FRAUDULENTLY. I PAID ALOT OF MONEY TO REMOVE IT TO CREDIT REPAIRS AND I EVEN CALLED THE CREDITOR AND EXPLAINED AND REPORTED IT AND IT IS STILL AFFECTING MY CREDIT TREMENDOUSLY. 

Account name CAPITAL ONE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$460.00} written off. {$460.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$460.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$460.00} Terms NA THE FOLLOWING ADDRESSES ARE ALSO ON MY CREDIT REPORT AND I HAVE NEVER BEEN OR LIVED IN GEORGIA AND AS SUCH I BELEIEVE THE POERASON RESPONSIBLE HAS OR WOULD HAVE BEEN LIVING HERE. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX type Apartment complex THIS WAS THE INFORMATION FROM MY XXXX CREDIT ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need these accounts removed from my credit report as they are affecting me.
Product: Checking or savings account

I have a XXXX account. I 'm trying to move one from there to my bank account. So far, I get a message saying that my banks ; TD Bank AND XXXX XXXX will not enable external apps and I can not transfer money into those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several hard inquiries are listed on credit reports, after several attempts to have deleted, all unsubstantiated. Verification not thoroughly done nor have I received. 

All three bureaus XXXX XXXXXXXX XXXX XX/XX/XXXX Called and stated they did not pull any credit report despite I did not apply for a XXXX  XXXX card XXXX XXXX XXXX XX/XX/XXXX I did not apply for any such credit with this company nor was I actively looking for credit at this time because my family was having COVID emergency. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX on XXXX XX/XX/XXXX along with Experian which I believe to be accurate. However, XXXX is reporting two more inquiries that would not have been me three times to the same place in a matter of days and XXXX reporting just the XX/XX/XXXX Consumer reporting agencies shall block reporting of information that the consumer identifies resulted from an alleged identity theft no later than 4 business days despite disputing several times these inquiries continue to remain on reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called SageStream over 50 time and have never gotten through to speak to any one, no matter what time I call in the morning or in the morning, afternoon or in the evening. Sometimes I call and it tells me I've reached them when them after ours and it will be XXXX. I'm starting to wonder if there is anyone even answering the phone. I leave a detailed message about them sending a report and or file that they have on me and also to freeze my account with them due to some suspicious activity. I haven't received anything from them in over 2 months and have never gotten a response in the form of a letter or a phone call back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Experian : This is a Self-Attestation that I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
These fraudulent accounts consist of a Auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), as well as personal loan account opened at XXXX XXXX  on XXXX XXXX, XXXX under the account number XXXX XXXX XXXX ). An personal loan opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX