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

Subject : Formal Request for Investigation and Removal of Unauthorized Inquiries from Credit Report Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX, and I am writing to bring to your attention a concerning matter regarding unauthorized inquiries on my personal credit report, in violation of consumer protection laws. 

The specific issues are related to the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 1681b ( f ) : I have recently discovered unauthorized inquiries on my personal credit report. According to FCRA Section 1681b ( f ), a consumer reporting agency may not furnish a consumer report for employment purposes unless the consumer has given written consent. The inquiries in question were made without my explicit consent, and I am concerned about the potential negative impact on my creditworthiness. 

Fair Credit Reporting Act ( FCRA ) - Section 611 ( a ) ( 3 ) ( A ) : FCRA Section 611 ( a ) ( 3 ) ( A ) grants consumers the right to dispute inaccuracies on their credit reports. Given that these inquiries were made without proper authorization, I am exercising my right to dispute them and seek their removal from my credit report. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and ensure the prompt removal of these unauthorized inquiries from my credit report. Enclosed with this letter, please find supporting documentation highlighting the unauthorized nature of these inquiries. 

Your swift attention to this matter is essential in preserving the accuracy and integrity of my credit report. I appreciate your dedication to upholding consumer rights and fair credit reporting practices. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX Friday at XXXX XXXX I went to Wells Fargo XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX to withdraw {$1000.00} deposited into my checking account from a payroll check provided by my employer XXXX XXXX that same day. I was assisted by a teller and acting Branch XXXX Manager XXXX XXXX. 
I presented my Driver 's License and was wearing my photo ID XXXX XXXX work badge. I was told that my identity can not be verified because my address in their system is reflecting XXXX XXXX XXXX XXXXXXXX XXXX I informed the teller and XXXX XXXX, that isn't nor has it ever been my address. 
My address is what my Driver 's License accurately reflects and has been the same since XX/XX/2015. Furthermore, I never requested a change of address on my checking account. Nor have I authorized the bank to perform one. I then asked, " Why wasn't I notified of this change? '' I also asked, " Who authorized this Fraudulent change? '' and " Who made this Fraudulent change? '' I was told that I can't be provided with that information. I was then instructed to visit a branch that is open on Saturday. Due to the closed offsite back office, this branch will not release funds from my payroll check. I informed the branch manager that this Fraud, and a violation of the Gramm Leach Bliley Act, Community Reinvestment Act, Electronic Funds Transfer Act, and the ECOA.

To which the Branch manager replied, " I don't have time for all of that '' I do know that I can not issue funds without verifying your identity. '' I informed her that I have a copy of my US birth certificate in addition to my Driver 's License and work photo ID badge which I've already presented. 
She still refused to release my direct deposit payroll checking account funds. I require & deserve swift economic justice in the form of substantial punitive damages and monetary compensation. As a result of the egregious Federal violation resulting in pain & suffering, embarrassment, unfair deceptive, and discriminatory practices as a result of being a Low- income XXXXXXXX XXXX customer. Wells Fargo has also failed to uphold the Fact Act and identity theft Red Flag rules as an additional violation against me. 
The non-minority customers that I've observed in line being services ahead of me, experienced no such unfair, biased, discriminatory treatment. This Demand letter for XXXX XXXX XXXX in the form of substantial monetary compensation including punitive damages is being provided to the CFPB, OCC, FTC, and the XXXX XXXX XXXX XXXX, against Wells Fargo Bank XXXXXXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to make a complaint against TransUnion for reinserting an inaccurate fraudulent account on my consumer file. As a consumer, I am aware according to the law that if any information is deleted from my file the information may not be reinserted if I am not notified five days after the reinsertion. I was not notified that the reinsertion took place nor was I provided any information from the furnisher or TransUnion saying that the information is complete and accurate. 

Furthermore, this account was also listed on XXXX and XXXX as well, yet TransUnion is the only consumer reporting agency that reinserted this account. If it was in fact verified from the furnisher, why is it not on the other two consumer reporting agencies? I am also aware that I am required to give you consent to report anything to my file. If I did not give TransUnion consent to report this information on me, your wrongdoings are considered fraudulent. 

I am also aware it is your duty to uphold fair and accurate reporting. This is not considered fair or accurate. 

TransUnion is partaking in fraudulent activity as well as extortion by bringing financial harm to myself and my reputation. Racketeering activity is described as two more activity patterns that have both been executed by TransUnion. I am also aware that racketeering can lead up to imprisonment for more than 20 years. This is my last step before I intend to not only sue but to press charges against the XXXX & XXXX, XXXX XXXX and XXXX XXXX for racketeering activity.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2022 i had an problem with some kittens at a vet. The vet told me about XXXX XXXX I went home and applied for the amount i needed for the vet. It was XXXX .Git it in my account the next day it stated that i could pay off the loan early. I made the payments of XXXX was drafted out my account twice a month on my pay period. I paid it off and they kept drafted my account after it was paid off. I took a closer look at the contract and it was different from when i first applied. I have to make 20 payments for two years. This shocked me because at the end i will pay over XXXX for just XXXX. I work at XXXX and my hours are being cut right now because business is slow. This draft is making my check short. I know you have to pay interest but this is too much. I need help to end this. They have made plenty of money off this loan now.
Product: Bank account or service

Chase bank breached my account, and gave my information to someone else and me access to someones account. The resolution is for me to change my account info and update my automatic payment and direct deposits, for my safety? Though the bank had an obligation to keep your information safe? If they do n't what happens? Where can we get help fighting the banks?
Product: Credit reporting or other personal consumer reports

I have already contacted XXXX. They say that in XXXX  2023, the government put in " suppression '' so they can not update credit reports at all. My transfer of the entire balance to XXXX took place in XXXX 2023. XXXX says to file a complaint with StudentAid.gov. I did that today also. XXXX says it is impossible for them to update the XXXX credit reporting agencies that my balance is XXXX. XXXX XXXX shows a balance of XXXX. It is affecting my credit rating. My credit reports all show that I owe XXXX this amount of money, when in fact I do not. I have worked in public service for XXXX years and much of my XXXX loans held by XXXX has been forgiven. I only owe XXXX XXXX. I owe XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have banked with WELLS FARGO for 7+ years and on XX/XX/2019 they closed my accounts without notifying me as to why my accounts are closed. They also then begin to report me for fraudulent activity and as a result a data reporting company XXXX XXXX XXXX XXXXXXXX XXXX ) has furbished 'checking account fraud ' report on my consumer report. This has put my business and personal goals into jeopardy. I am unable to open new accounts and also have turned down for personal and business loans etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern CoreLogic illegally furnished fraudulent reports stating i the consumer owes debt and infringing upon my right to privacy pursuant to 15 usc 1681b, 15 usc 1692e, and 1692d false and misleading information in my consumer file/report Ive demanded that this information be remove and ask that Remedy be sent through mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter asking to verify their method of verification for listing an alleged bankruptcy on my credit report. On XX/XX/XXXX I sent another letter as the company did not respond to my XX/XX/XXXX letter. On XX/XX/XXXX I sent my third letter as the company did not reaping to my previous two letters. On XX/XX/XXXX equifax finally responded stating the item was verified by XXXX XXXX. On XX/XX/XXXX I sent a certified letter with an enclosed letter from XXXX XXXX stating the item was unable to be verified. On XX/XX/XXXX I sent yet another certified letter and the company has not responded since XX/XX/XXXX.
Product: Student loan

Navient placed by student loan from XXXX into forbearance at around roughly XXXX and did not inform me that it was accruing interest. It was roughly in XXXX that I was sent a letter that my loan was coming out of forbearance and the loan had ballooned from {$XXXX} to {$XXXX}. Payments were almost {$XXXX} and I had to refinance in order to make payments. I refinanced with XXXX which is also a sister company of Navient. My parents and I were not properly informed of options and interest costs. My parents were forced to file XXXX  a few years ago but this loan was not allowed to be part of that settlement.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the accuracy of information on my XXXX XXXX account, which is adversely affecting my credit report. The details of my account are as follows : Account Number : XXXX Account Opening Date : XX/XX/XXXX Upon reviewing my credit report from all credit Bureaus, I noticed significant discrepancies in the payment summary and collection status of my XXXX XXXX account. Specifically : Missing Data Entries : The payment summary indicates no data available for XX/XX/XXXX and XX/XX/XXXX. However, despite these gaps, the account status shows it has been in collections continuously from XXXX to the present day.

Incorrect Collection Reporting : The account status inaccurately portrays continuous collection activity from XXXX onward, which does not align with the actual history of the account. 

These inaccuracies are concerning as they impact my creditworthiness and misrepresent my payment history with XXXX XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g, I am entitled to request and obtain all information in my file maintained by a consumer reporting agency, which includes accurate reporting from data furnishers like XXXX XXXX. Additionally, under 15 U.S.C. 1681 ( a ) ( 4 ), consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

The FCRA also mandates that if information can not be verified during an investigation, it must be promptly deleted from my credit report. Therefore, I request that you : Conduct a thorough review of my account history and correct any inaccuracies in the payment summary and collection status.

Provide me with a written confirmation of the investigation results and any corrections made.

If you are unable to verify the disputed information, delete it from all major credit bureaus which includes Experian, XXXX, XXXX and XXXX. 
Please acknowledge receipt of this dispute within 30 days as required by the FCRA. You can reach me at mail or email if you require any further information or clarification. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this dispute.
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 TransUnion was XX/XX/XXXX, 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 proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting lates in XXXX and XXXX, 2020 on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I contacted the lender and make specific arrangements for deferred payments due to my inability to pay during the Corona Virus Pandemic. I was assured by the representative that I spoke with that I would NOT be charged any lates and that no lates would be reported on my credit report. Unfortunately, they did not keep their word on our payment arrangement and reported the lates to the bureaus any way. This false reporting of lates is seriously harming my credit score and these lates need to be removed from my credit report. I have  contacted the bureaus to remove these however, I have not been successful.
Product: Credit card or prepaid card

I have my XXXX check direct deposited with XXXX XXXX. And every month for the last year and a half they have been charging me XXXX cents for a paper statement mailed to me that I did not request. On their website they give you an option of checking a box for a paper copy. The box is not checked. I have called and requested that they quit charging me and that I want all the charges refunded to me an am told I will hear back from the in 5 business days and I never here from them on this matter. Since it is the XXXX of the month I checked my account balance and they charged me XXXX cent this month also XX/XX/2018. I have contacted them 3 times about this matter. I wonder how many more people they are doing this to..If I didn't check my balance daily I would have never noticed the XXXX cent fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate the immediate action done and respond to my CFPB complaint, however, I totally disagree with what the Creditors and Credit Bureaus claims that the disputed accounts are reporting as accurate. I took the liberty to investigate my own Credit File and I will point out the inaccuracies I noticed : 1 ) the disputed accounts are reporting as late even though I never missed a single payment. I keep my own Payment Records and what the Credit Bureaus present is different from what I have ; 2 ) the disputed charge off account was not charged to me. The account reports as paid and agreed : and 3 ) there are inaccurate personal information that are reporting and must be immediately removed. I am submitting this CFPB complaint to request another investigation to be done and have the disputed accounts and information deleted from my Credit File as soon as possible. Also, the Credit Bureaus have been claiming that the disputed accounts and information are verified without sending me copies of the result of their investigation. Once again, have the disputed accounts and information corrected or deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Acciunts were rejected on FTC report. I do not fall under the guidelines of any accounts listed being rejected to delete.
Product: Credit reporting or other personal consumer reports

My account with 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 in those account 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.

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, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX  XXXX XXXX Balance : {$4100.00}
Product: Mortgage

The issue is the lack of due diligence by the bank which issued a Pick a Pay loan to me in 2008, and their lack of compliance. 

SEE ATTACHED
Product: Prepaid card

The company never responded or reached back out to me when I tried to contact the company about having issue with the using the account. The company closed my account with no explanation or a way to be able to get a new account
Product: Checking or savings account

XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaints : I am writing to request and investigation of the following accounts I have NEVERED opened or use the accounts listed below " I'm requesting the following information to be deleted from my Early Warning report immediately I attached a copy of my report to this request. The accounts consist of a Bank account opened at : Bank Account : Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX, Bank Name : XXXXXXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX, Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX, Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : Bank Routing # : XXXX Account # : XXXX. 
XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Scam company saying a process server will be at my residence from 3to5 if I didnt not contact them right away. I called them they told legal action will be taken if I did take care of a debt that wasn't even mine. The company is ADR or alternative dispute resolution ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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.

WFBNA 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