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

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : XXXX XXXX date late payment XX/XX/year> Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, my small business account at Wells Fargo received a wire transfer of approximately {$31000.00}. I then used these funds to complete a purchase for the customer. On XX/XX/2021, Wells Fargo debited my account, emptied out all the funds, without my knowledge or consent. If they had any doubts, they could have contacted me when the funds were received. Having the wrong account name but the correct account number, is not a reason for them to return the funds without contacting me, or obtaining my debit authorization. 

Under Uniform Commercial Code 4-A-207, if a beneficiary 's name does not match the account number provided on a payment order received by the beneficiary bank, and " the beneficiary bank does not know that the name and number refer to different persons, it may rely on the number as the proper identification of the beneficiary of the order. The beneficiary 's bank need not determine whether the name and number refer to the same person ''. 

In Wells Fargo Wire Transfer agreement, " if a wire transfer request describes the person to receive the wire transfer ( the " beneficiary '' ) inconsistently by name and account number, the wire transfer may be made on the basis of the account number, even if the account number identifies a person different from the Beneficiary. If a wire transfer request describes a financial institution inconsistently by name and identification number, the identification number may be relied upon as the proper identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to Equifax site to check to see if we were impacted by breach. Typed in last name and last 6 of SS #. Said I was impacted. Did all family members, all supposedly impacted, all sent to credit monitoring. Got suspicious, told them name was XXXX with 6 random numbers, same answer. Told them my last name was XXXX and XXXX with random 6 numbers. Always reported impacted, and sent to monitoring website. This is not acceptable. Am I impacted or not? Sending every inquiry, every name and number combo to monitoring is being used to sooth fears without actually being informed if we are indeed impacted. This is a massive fraud by Equifax.
Product: Credit reporting or other personal consumer reports

They refuse to update my closed accounts and continue to report them late every month. The accounts were dissolved with an old bankruptcy filing from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is also another account XXXX  that I have asked for them to verify the original creditor and provide me account information on a they have not done so, but keep updating the account as verified.
Product: Payday loan, title loan, or personal loan

I used a app called albert for a {$200.00} payday loan. They make you link your checking account first before they approve or deny the loan. Long story short i was denied the loan and several months later got a random {$96.00} charge for albert XXXX XXXX XXXX XXXX XXXX XXXX i never signed up for. This company is openly committing fraud with their bait and switch tactics to scam money. They claim to have issued a refund its been over a week and still no refund. This company is criminal and must be stopped!
Product: Credit reporting or other personal consumer reports

My account with Experian 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 my 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 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. 


Experian 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: Checking or savings account

Citibank informed me that they would only deposit physical checks at the branch and not digital checks and that they could do nothing to resolve the application problem. The application continues to show an error when I select the option to deposit the check and every time I try an error message appears.
Product: Credit card or prepaid card

When i was  XXXX   XXXX   XXXX  i applied for a credit card a t TJ Maxxs (  mastercard ). They approved me for the credit card and gave me a near {$5000.00} credit limit. I was only  XXXX   XXXX   XXXX  and had no credit or income. Thoughout the years my parents, without my knowledge, used the card for expenses. The banking statement was sent to my mothers house in  XXXX , i lived in   XXXX   XXXX   at the time for school. I am now  XXXX   XXXX   XXXX  and in law school, the payments they require me to make are extremely high. I can not afford them because i am in school still. I have been doing some research and found that the issuing the credit card cant be given to anyone under  XXXX  without a co-signer and proof of income. When the credit card was issued they never did an income verification nor did they request a co-signer. I want to know how i can close this account without becoming liable for the amount due which is now near {$4000.00}. I have not used this credit card in years, the balance was from negligence of my parents as i stated above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice that my credit report had several errors reporting to my credit report on all 3 bueraus so i reached out to each one on XXXX XXXX with some certifed letter requesting the information to be removed and letters to be sent out to me with proof that i open these accounts with my signatures and only XXXX complied and deleted all the accounts that were listing closed with balance.I also requested the same to be done by the transunion and XXXX and they both have yet sent over the requested documents showing anything of sort as of XX/XX/XXXX and all the following accounts are still reporting negative to my credit reports.The following accounts are as follows : XXXX XXXX XXXX XXXX reported XXXX XXXX with a bal of XXXX, XXXX XXXX XXXXXXXX XXXX with a bal of XXXX, XXXX XXXXXXXX XXXX with a bal of XXXXXXXX XXXX XXXX XXXX reported XXXX XXXX with a bal of XXXX, XXXX XXXX reported XX/XX/XXXX, XXXX with a balance of XXXX, XXXX XXXXXX/XX/XXXX with a bal of XXXX, XXXX XXXX  on XXXX XXXX and bal reported XXXX, XXXX XXXX reported XX/XX/XXXX bal is showing XXXX, XXXX reported on XXXX XXXX and reporting XXXX XXXX The XXXX XXXX XXXX ret last reported on XXXX XXXX bal XXXX XXXX XXXX XXXX  last reported XXXX XXXX bal XXXXPlease remove all negative information due to it inaccurate information.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleged systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record. If you can not verify this record, I request you remove this data from my account immediately. 

This item on my credit is an error. I have no knowledge of this debt. I did not authorize any person to act on my behalf to undertake this debt. I did not and will not in anyway benefit from this debt. I do not know the persons or parties that originally undertook this debt. 

On XX/XX/2023 a demand letter ( see attachments ) was sent to ARS Account Resolution. This demand letter was seeking verification of the debt that is the subject of this notice. Said letter stated that it appears that debt is not associated with the correct party, some how the information has transmitted in error, or that the debt may have been fraudulent ; therefore, it was requested that all information and / or documents associated with this debt be forwarded as verification of such debt. ( See attachment for actual demand letter. ). As of the date of this letter, ARS Account Resolution has not responded to the XX/XX/2023 demand letter I request your organization investigate this matter. If ARS Account Resolution does not or can not provide such demanded verification it is requested that your bureau remove this entry from the respected credit file. Also, it would be requested that you remove all associated information related to this erroneous entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and 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: Mortgage

My mortgage is a XXXX XXXX mortgage. I was granted an automatic forbearance agreement. Under the Cares Act, the mortgagor is not to report the mortgage as late in payment. Wells Fargo, my mortgagor, reported my account as current but included in its report that I was in forbearance agreement even though I was never late in my payments prior to the hardship caused by the coronavirus, i. e., I  was not in a forbearance agreement. As a result of Wells Fargo 's erroneous reporting that I was in forbearance, a lender who had committed to refinancing this mortgage withdrew its commitment. 

I have brought the mortgage account current, but Wells Fargo would not write the credit reporting agencies to request the removal of its erroneous report that I was in a forbearance agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts Appearing On My Credit Report. 

1. Us Dept Of ED/XXXX {$15000.00} 2. Us Dept Of EdXXXX {$36000.00} XXXX. XXXX XXXX {$17000.00}
Product: Bank account or service

For the second time TD bank has closed my debit card stating i needed to activate the new chip card they sent me and for the second time i have not received a chip card. I have now been declined making a purchase twice because they close my current card assuming i received a new XXXX in the mail. It is inconvienent and embarassing.
Product: Credit reporting or other personal consumer reports

on my credit report. Despite my initial dispute and subsequent request for the method of verification, the disputed information remains unchanged. Therefore, I am requesting immediate action to correct the following item ( s ) on my credit report : Disputed Item ( s ) : XXXX XXXX. XXXX XXXX requested a deletion due to the information being wrong and failed to get back to me within 30 days Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or modified.

I have already provided documentation supporting my dispute and requested verification details in my previous letters. Since the information remains unchanged, I am now requesting that you : 1. Immediately delete or correct the inaccurate information from my credit report.

2. Provide written confirmation of the actions taken.

If these items are not corrected and removed within 30 days, I will have no choice but to file a lawsuit to enforce my rights under the FCRA. Additionally, I will be filing complaints with the Consumer Financial Protection Bureau This letter serves as my formal Notice of Intent to Sue. I hope we can resolve this matter promptly to avoid legal action.

Thank you for your immediate attention to this matter.

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

For the preceeding reasons among others, I here now EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY REPORTED be reported and DEMAND any deficiencies be ERADICATED else wise. I DEMAND in this lawful request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid or not. OBVIOUSLY at a bare minimum any alleged reporting data furnisher would be necessarily required to at least be able to verify my complete file information EXACTLY AS I HAVE INDICATED ABOVE and NO OTHER WAY including full First and Last names, my current correct resident address Street Number and Street Name as well as City and State, my factually correct date of birth and the factually correct last four of my reported SSN #. ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PERMANATELY! 

Delete reported data NOT certifiably COMPLIANT XXXX XXXX XXXX XXXX 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: Mortgage

I submitted a complete modification package on   X/X/17    . I was advised my loan was assigned to underwriting on  X/XX/17   . I have been asked to submit the same documents and updated documents and i have sent them everything they need. I started this in  XXXX  and it is  XXXX  now. 4 months and they tell me every time i send something in my loan goes to the bottom of the list and that the review can take  2-8  weeks to review. It has been more than 8 weeks now. Please help me.
Product: Credit card or prepaid card

I tried to get a credit card but didn't know what my latest address was and didn't know what my last credit card was.
Product: Credit card or prepaid card

I have been a member of a Citcards since XX/XX/XXXX. The credit card products have changed over the years but I have always maintained my account. Recently, on XX/XX/XXXX, I received notice that Citi was closing my account due to inactivity on XX/XX/XXXX.. I called to stop this and they said there is nothing they can do. It was already closed. I think this as wrong as that closing accounts negatively affects my credit score. Further, they have also locked me out of the ThankYou points account that I have, where I have accumulated XXXX points ( an approximate value of $ XXXX {$60.00} ) Notice about account closure should occur before the account closes not after. While this may no be much to one consumer, the damage that is done over the course of thousands of consumers could mean that there is real money and damage done in the aggregate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2013 I filed bankruptcy. XXXX XXXX was excluded in the bankruptcy, and they chose to close my account even though I was making monthly payments. XXXX XXXX is reporting information on my credit report as if the account was included in the bankruptcy. I have tried to get this corrected with all XXXX credit bureau 's. I have court documentation showing XXXX XXXX account was not XXXX in Chapter XXXX bankruptcy. XXXX XXXX did not receive a certificate of notice and I need my credit reports to reflect that this account was closed by them when they searched public records and found out I had filed bankruptcy. It is unfair to a consumer to report on a credit report the account was included in bankruptcy when court documentation prover the account was excluded. It appears they chose to to override the courts decision.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a XXXX period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Respectfully XXXX XXXX XXXX UCC-1-308 without prejudice