23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Wells Fargo ( WF ) removed {$2500.00} from my checking account statement dated XX/XX/XXXX. This was done after a very long fraud suite . Which I had sent CFPB a complaint and received a letter from the WF Executive Office Case Specialist, XXXX XXXX, who said in his letter XX/XX/XXXX, that if I have a questions to call him. But after many messages and no reply. I am needing CFPB 's help. My XX/XX/XXXX statement, on XX/XX/XXXX XXXX removed {$2500.00}. This was not their money! The description says : Online Advance Reversal Case XXXX. The only advance made was to account XXXX the fraud money on XX/XX/XXXX. XXXX which was withdrawn on XX/XX/XXXX for the fraud wire transfer. I didn't receive any other advance to help pay my bills. I question a transaction on a statement dated XX/XX/XXXX Personal Line of Credit acct. XXXX. On XX/XX/XXXX ( after all accounts where closed and stopped for transactions ) a {$2500.00} withdrawal was made with the description " Balance transfer for acct ending in XXXX '. I have not had a XXXX account! So this must be the third parties account number who received an advance. It sure wasn't me! WF owes me the {$2500.00} they withdrew on XX/XX/XXXX from my acct XXXX!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I decided to look over my credit report using XXXX XXXX. However I noticed on XX/XX/2022 this inquiry by 700CRXXXX XXXX XXXX XXXX XXXX ) was on my XXXX XXXX report. I did not give them permission to run my credit. They did call me several times trying to get me to come into the show room, but I wasn't worried because I didn't give them my social security number. However they still managed to run my credit. I did not give them permission to do this and I never gave 700CR/XXXX XXXX XXXX XXXX XXXX XXXX my social security number, so whatever they did to get it ; that shouldnt be allowed. With that being said this inquiry should be removed from my report because I never gave 700CRXXXX XXXX XXXX XXXX XXXX ) my social security number to run my report. This is not acceptable.
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code XXXX ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I need regulatory es. Of my inquires that are less than 12 month old that are not pertaining to me. Besides companies are closed my account but all debt were paid in accordance. This items are harming my credit scores when I have been paying everything and consistently in accordance to rules and regulatories.
Product: Mortgage

I was in the furlough program with my mortgage company BB and T and have never been late on my mortgage. i paid off my mortgage and now it shows i am 120+ days late. i have tried to fix this with bbt but they havent helped. i am now trying to get another mortgage and cant because of this mistake by bbt on my credit. I also went into a XXXX branch and they told me to call XXXX XXXX. everyone wants to blame the other. now i am left with no mortgage and this cares act was supposed to not let this happen. I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal dispute regarding multiple violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTACT ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). The following is a detailed account of the violations perpetrated by various creditors, which have had a profound impact on my life. 

Violation Details : XXXX, Account : XXXX Violation : Failure to remove inaccurate and unverified account from my credit report, violating FCRA Section 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX, Account : XXXX Violation : Reporting inaccurate information and failure to validate the debt, violating FDCPA Sections 807 ( 8 ) and 809 ( b ). 

XXXX XXXX, Account : XXXX Violation : Failure to provide accurate and complete credit terms, violating TILA Section 226.6 ( a ). 

XXXX, Account : XXXX Violation : Inaccurate reporting and failure to provide debt validation information, violating FCRA Section 623 ( a ) ( 1 ). 

XXXX XXXX XXXX | XX/XX/XXXX Violation : Reporting of unauthorized account without my consent, violating FACTACT Section 605B ( a ) ( 1 ). 

XXXX XXXX  XXXX | XX/XX/XXXX Violation : Reporting unauthorized account, violating FACTACT Section 605B ( a ) ( 1 ). 

XXXX  AS, Account : XXXX Violation : Reporting unverified and inaccurate account, violating FCRA Section 611 ( a ) ( 1 ) ( A ). 


I kindly request that the Consumer Financial Protection Bureau enforce the applicable legal provisions to rectify these violations. It is my earnest desire that the creditors remove these unverified and inaccurate accounts from my credit report, thus restoring my ability to secure credit, housing, and employment without unjust hindrances. 

I appreciate your attention to this matter and your dedication to upholding consumer rights. Enclosed with this letter are supporting documents, including copies of relevant credit reports and correspondence with the creditors in question. 

Thank you for your prompt attention to this dispute. I look forward to a swift resolution that will allow me to regain financial stability and peace of mind. 

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

I am writing to formally complain about LexisNexis 's lack of response to the dispute letters I submitted on XX/XX/2023, and XX/XX/2023. Despite repeated attempts to seek resolution, I have not received any investigation results from LexisNexis. Instead, they have only sent me copies of credit reports without addressing the specific concerns raised in my disputes. 

In XXXX and XXXX of XXXX I submitted dispute letters to LexisNexis to address inaccuracies in my credit report. However, to date, I have not received any communication regarding the results of the investigations as required by the Fair Credit Reporting Act ( FCRA ). 

Attached to this complaint are copies of the dispute letters sent to LexisNexis, serving as evidence of my attempts to rectify inaccuracies in my credit report. The lack of response and failure to conduct a proper investigation are clear violations of the FCRA and are adversely affecting my credit standing and consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking for the requesting the original instrument of indebtedness in its original form, Navient went on to blatantly NOT honor my request and also ignored me all in all. A Non-response is a violation of the FCRA specifically under section Section 611 Part ( A ) ( 1 ) of the FCRA. I intended to sue NAVIENT if these accounts are not removed from my credit report. I've included my 1st letter ; requesting the original instrument of indebtedness in its original form. Also a non-response letter ... In which Navient has NOT responded to either although they've signed for my letter 's as I've sent both through certified mail to ensure the deliveries of my letter 's. It's obvious that Navient is breaking federal laws and I intend to sue and show the courts the wrong doing 's of Navient should these accounts not be removed from my credit report in a timely manner. Navient also did not give the credit bureaus a notice of the dispute which their required to do so according to the FDCPA section FDCPA Section 807 ( 8 ). I've attached everything as I've kept good records of this entire process. 

I'll also include my SSN and Driver 's license to speed up the authentication process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # 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
Product: Credit card or prepaid card

On XX/XX/2023 I filed a complain with cfpb against AFFIRM because of fraudulent chargers on my account that they would not fully investigate nor remove. Since the resolution with AFFIRM my account has since been closed. However, AFFIRM continues to withdrawal payments from my bank account on balances I have no access to. They have also stop taking any of my calls when I call to inquire. 

When I email, they are requested that I send them ID verification. They rejected them all. The last email I received from them after another request to view my balance was that I write a check to their company in Pennsylvania with my account loan information. However, I am unable to do that if I do not have access to my account with such information! 

The following is an example of the repetitive emails with different Customer Service Representatives listed at the bottom when I request access to my account balance. 

Hello XXXX, Thank you for following up with Affirm! 

I can certainly see the importance for you to recover your account. We appreciate your patience and rest assured that here at Affirm your concerns are our priority. We will be more than happy to help. 

We received your request to recover your Affirm account. To review this request, we will need additional information from you. 

Please follow the link HERE to securely submit your documents for verification. This is a single-use link that will expire in 3 days. You will need to submit photos of your government-issued ID as well as a photo of yourself. Acceptable forms of ID include : Driver 's License Passport Identity Card Our Account Safety team reviews these submissions Monday - Friday. Once submitted, please allow 4 business days for your documents to be reviewed and, if approved, updated. You'll be notified via email on the outcome of your request. 

If you have any questions or concerns, please let us know by responding to this email or by calling XXXX. Our customer care representatives are available to take your call between the hours of XXXXXXXX XXXX  - XXXXXXXX XXXX Central Time seven days a week. 

Best, XXXX XXXX. 
Affirm Help Center XXXX I have filled this application several times and each time is has been rejected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately XXXX XXXX XXXX XXXX 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: Consumer Loan

I have told Las Vegas finance numerous amounts of time as well as my Co workers that I am not allowed to have personal phone calls at work cause I can get terminated..they keep calling telling people I they are from Las Vegas finance.they even called my district manager.on XX/XX/XXXX. They do n't even say it 's a business matter straight to Las Vegas finance loan conpany.even after I 've told them I need more time to pay
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Don't recognize this inquiry? 
Report inaccuracies with the link below. 
Dispute this inquiry
Product: Credit reporting or other personal consumer reports

I am submitting this formal request for the immediate removal of inaccurate and misleading information regarding my student loan account ( Account Number : XXXX ), which was transferred from XXXX. The errors on my account violate the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ), and the Higher Education Act ( HEA ) and must be removed immediately. FALSE LATE PAYMENT ( XX/XX/2022 ) My loan was deferred with XXXX my payments were not due until XX/XX/2032. 
Despite this, my credit report reflects a 90-day late payment in XX/XX/2022. 
This is a clear violation of FCRA ( 15 U.S.C. 1681s-2 ( a ) ), which prohibits reporting false information. I demand the immediate removal of this inaccurate delinquency from all credit bureaus. My original loan balance was {$1300.00}, yet my credit report reflects a balance of {$2000.00} with no valid explanation. Under HEA ( 20 U.S.C. 1082 ), you are legally required to provide a clear and accurate breakdown of loan balances.

3. REMOVE OR CORRECT STATUS REPORTING ERRORS My account is listed as 0 % paid off while still showing a balance, which is misleading and harmful to my credit profile.

I demand an immediate removal my rights were violate. FERPA ( 20 U.S.C. 1232g ) Requires servicers to properly notify borrowers of loan transfers and protect student data. I was never notified that my loan was transferred.

FCRA ( 15 U.S.C. 1681s-2 ( a ) ) Prohibits loan servicers from reporting false or misleading information to credit bureaus.

HEA ( 20 U.S.C. 1082 ) Requires proper loan servicing, disclosure of accurate balances, and correct borrower records. I formally request that XXXX remove the following from my credit report immediately : If these errors are not removed within 30 days, as required by federal law, I will escalate this matter by filing complaints with : U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission ( FTC ) State Attorney Generals Office Furthermore, I will explore legal action for the financial harm caused by these errors.
Product: Payday loan, title loan, or personal loan

Omni Financial. I saw the law suit recently about them. I was a young private in the XXXX when I applied for a good amount. Currently still paying it off. They made me give them my bank info for allotments and I was never notified that its illegal. Also have a 29 % interest rate. What can I do? Done at the XXXX in texas at the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Started off at XXXX XXXX
Product: Debt collection

This dispute is regarding an emergency service bill. 
Approximately XX/XX/2015 my niece received XXXX XXXX at XXXX XXXX. Different companies tended to her, one of which was XXXX XXXX XXXX. 

I was only her emergency contact. I never consented verbally, written or otherwise to be the financial guarantor for any XXXX XXXX provided, including XXXX XXXX XXXX. I was not present when those services were rendered. As a side note, I personally got medical treatment from other hospitals because I didn't trust XXXX XXXX 's standard of care. 

I filed a XXXX complaint ( ID number XXXX ) against XXXX XXXX ( who furnishes information to the other entities including XXXX XXXX XXXX ). They sent me a letter apologizing for their error. They also sent another letter acknowledging I was wrongfully billed, that the records were updated with the correct guarantor information, and assured me none of the accounts had been reported to the creditors. 

More than likely, XXXX XXXX XXXX used this information to collect the debt from the correct party. None of the other services connected with the emergency room have contacted me after I received these letters from XXXX XXXX. 

XXXX XXXX XXXX is fraudulently using multiple debt recovery companies to collect monies they know are not owed. Their attempt with XXXX was unsuccessful after I contacted XXXX XXXX ID number XXXX ). XXXX closed the debt account in question and contacted XXXX to have it removed from my credit report. They are now using XXXX XXXX Solutions. 

Any so called evidence these companies feel they have stating I consented to this debt is fraudulent. Clearly these companies are manufacturing ways to collect and make money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

ACCOUNT TYPE : DEBT BUYER DATE OPENDED : XX/XX/2021 PAYMENT STATUS : PAID IN FULL, WAS IN COLLECTION. ACCOUNT SHOULD BE DELETED FROM CREDIT REPORT. I HAVE A LETTER FROM THE COMPANY STATING IT SHOULD BE CLOSED AND DELETED FROM CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Equifax NEVER received my written permission to report the XXXXXXXX XXXX XXXX XXXX account, which means they are already violating 15 USC 1681b ( 2 ) by reporting this account without my written authorization. But it doesnt stop there. Equifaxs failure to ensure accurate reporting also violates 15 USC 1681e ( b ), which explicitly requires credit reporting agencies to maintain maximum possible accuracy in the information they report. This negligence demonstrates complete disregard for federal law and my rights as a consumer. Despite multiple disputes regarding this account, Equifax has willfully refused to remove it, which constitutes repeated violations of 15 USC 1681n and 15 USC 1681o. These actions demonstrate both willful and negligent noncompliance with the Fair Credit Reporting Act. By continuing to report this inaccurate information, Equifax is knowingly disregarding federal law, which exposes them to liability for damages of at least {$1000.00} per violation, plus additional punitive damages for willful misconduct. This unresolved account has caused severe harm to me, including emotional distress, damage to my reputation, and financial loss. I demand immediate removal of this account from my credit report. Equifax must confirm this action in writing and provide an updated report without delay. Failure to resolve this matter will result in further legal and regulatory action. I trust the CFPB will take appropriate action to ensure Equifax complies with federal law and ceases these harmful practices immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the date they are reporting. This account should not be showing the current status of late since it's already been paid for. It seems impossible to appear late on an account that has already been paid. This account should be corrected right away : XXXX XXXX XXXX XXXX Balance : {$6800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( 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 an account without my written instructions
Product: Student loan

XXXX XXXXXXXX University - XXXX, XXXX ; XXXX I was furloughed without pay in between XXXX and XX/XX/2020 due to COVID ( letter attached to support this claim ). During this time, I missed a couple of payments with UAS because I was very stressed about eLearning for my school-aged daughter, fighting with Florida 's unemployment system ( which is terrible and frustrating ) so that I could pay bills and have food on the table, and a death in the family. UAS does not offer any sort of " Your Payment is Due Soon '' or " You Missed a Payment '' messaging. They only send emails stating, " You Have a New Document Available. '' Every single other creditor sends me a message about payments coming due. This helped me manage all of the other bills and I was not late once on any others. Due to the stress and financial implications of COVID, I feel that all creditors should give some grace. The federal loans got this right. But, the holders of Perkins Loans feel that they must penalize Americans during these uncertain times. With their reporting of this late payment, this dropped my credit score 75 points. In addition, they charged hefty late fees. I paid all of it up to date on XXXX and a few days later was I was rewarded for this with a 60-day late payment mark with the credit bureaus. I have not been late with any creditors for over 2 years and I was trying so hard, but then COVID came. I feel like all creditors need to have some grace. UAS feels that they can be predatory because the federal government hasn't mandated that they give borrowers some grace.