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

I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions XXXX due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX XXXX XXXX XXXXXXXX Creditor Name : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Payday loan, title loan, personal loan, or advance loan

The amount of interest collected on the loan is oppressive, and I am unable to make progress paying off the principal. Due to information recently learned, I believe the loan interest and fees are illegal in Ohio, as the rate should be capped at 25 percent. This is not a mortgage lender.
Product: Mortgage

My mortgage company, Wells Fargo sent me an Escrow account disclosure statement to inform me that I had an Escrow shortage of {$1600.00}. I was advised in this same document that by paying the amount previously mentioned by XXXX XXXX that my new mortgage payment would be {$1500.00}. The {$1600.00} was mistakenly applied to my XX/XX/XXXX payment, which was eventually resolved. However, I was informed by Wells Fargo on XXXX XXXX that my new payment was going to be {$1500.00}. When I called to ask where the extra {$10.00} was coming from I did not receive a clear, satisfactory explanation. I was also told that nothing could be done to restore the payment amount on Escrow account disclosure statement of {$1500.00}.
Product: Checking or savings account

The teller told me a late pending charge for a XXXX showed up and didn't show me on the account where just said the amount and had me withdraw XXXX instead of wait for closing the date. 
So I feel it's best to report this because I didn't get a receipt and the email keep sending that it's {$0.00} not the letter stating it's closed.
Product: Credit reporting or other personal consumer reports

n 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

An apartment complex has sold a debt to XXXX XXXX in my name. However, I was never legally responsible for the apartment, I never signed a lease or any other legal document ; or entered into a verbal contract. While I stayed at the address temporarily, I am not responsible for the outstanding balance. They obtained my information from mail that was sent to the address. There is an individual responsible and that information has been given to the original creditor and XXXX XXXX. Both equifax and XXXX consider the debt verified, however I know that there is no legal connection between myself and the debit, and they will not provide me with this verification. The reporting agencies and XXXX XXXX refuse to remove the account from my report and my next step is legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act This account has violated my rights. 

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

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

I paid my balance off. I specifically ask for the full balance and I paid it off in XXXX. Then I got a statement saying a {$5.00} cents. I called to inquire what that's for and the lady said I was late. I've never been late. Then she looked and said she can't remove it and it wasn't because I was late. So what I get charged interest on a XXXX balance. This is absolutely insane. I asked her what I had to pay in order to close the actual account and she stopped responding. So what are they going to do just keep charging me {$5.00} a month to have a XXXX balance on a card that I want to close? Charging every consumer with this card {$5.00} on XXXX balances certainly makes a lot of money but it's also extremely and morally wrong. How can they get away with this?
Product: Checking or savings account

On the morning of XX/XX/20, I called Wells Fargo because I noticed an unauthorized transaction in the form of an Online Bill Pay to a XXXX  XXXX XXXX credit card in the amount of {$3000.00}. I have never owned nor have I ever been affiliated with any XXXX XXXX XXXX product. I filed a claim and received case number XXXX. Wells Fargo said it will take anywhere from 10-15 business days to process the claim. 

On XX/XX/20, I received a letter from Wells Fargo requesting that I fill out an Affidavit of Online Fraud. I promptly filled it out and faxed it over on the evening of XX/XX/20. When I called Wells Fargo on XX/XX/20, they had confirmed that they had received my Affidavit. 

On XX/XX/20, I called Wells Fargo to inquire about the status of my claim. The agent I spoke with told me that the claim had been closed, but was unable to state whether the case accepted or rejected my claim. As a result, the agent filed a new claim for me ( case number XXXX ). Additionally, I filed a police report with the XXXX Police Department ( permanent case number XXXX ). The XXXX Police Department classified this as a case of identity theft. 

On XX/XX/20, I received a letter from Wells Fargo confirming that my claim was rejected because " our research of this Bill Payment shows that it was requested through a secure online banking session using your username and password. After reviewing all information available to us regarding this transaction you are disputing we have determined that this transaction was made by you, or someone who had your authorization. '' Clearly, if someone requested an Online Bill Payment, they somehow gained access to my username and password. Just because someone gains access to a username and password does not mean that it is authorized access. That's the equivalent of saying that if a fraudster finds your ATM PIN and withdraws money, it is an authorized transaction because they gained access to privileged information. Additionally, I submitted a legally binding document through the Affidavit of Online Fraud. This is a legally binding document that I signed and submitted to Wells Fargo. If the transaction in question truly is not fraudulent, I would be perjuring myself. This would not be in my best interest as I submitted a police report ( again, permanent case number XXXX ) regarding this very transaction.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple XXXX XXXX regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I Received A copy of My Credit Report I saw My Address On File Is Incorrect & Needs To Be Fixed IMMEDIATELY AND THERE ARE Accounts That Don't Suppose To Be There REPORTING. I've Notified The Creditors As Well As The Credit Agencies. Please help me with these FRAUD ACCOUNTS to Be Deleted/REMOVED. PLEASE HELP ME RESOLVE THIS ISSUE. 

THESE ARE THE ACCOUNTS : XXXX XXXX Balance : {$4900.00} XXXXXXXX XXXX  XXXX Balance : {$320.00} ACCNT : XXXX XXXX XXXX XXXX XXXX Balance {$450.00} ACCNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX Account # XXXX Open XXXX XXXX account XXXX XXXX Date XXXX. 

Under FCRA Consumer SECTION : 15 USC 1681B Permissible Purposes. 15 USC 1681 ( B ) Disclosure, 15 USC 1681Q- any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under TITLE 18, Imprisoned for not more then 2 years.
Product: Credit reporting or other personal consumer reports

Fraudulent charges were made on XXXX XXXX and is reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit went from. Good to poor, due to identity theft, in last 8 months. All federal Pell grant, loan, and ssdi 'missing ', and it seems like XXXX XXXX would prefer I XXXX  rather than help me- just judging from their continual XXXX of my supposed character.
Product: Debt collection

I am writing to formally dispute an unauthorized account that has appeared on my TransUnion credit report. I believe I am a victim of identity theft, as this account does not belong to me. The account is listed solely on TransUnion and does not appear on my XXXX or XXXX reports, which strongly suggests it may be fraudulent. 

The account in question is : Account Number : XXXX Company Name : XXXX Account Type : Installment Account Amount : {$120.00} Company Address : XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX CA XXXX I have no knowledge of or affiliation with XXXX nor have I authorized any transactions with them. This account appears to have been opened without my consent or awareness, and I suspect it is a result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. Section 1681i, I request that TransUnion investigate and remove this unauthorized account from my credit report. This account is not valid, and its presence is negatively affecting my credit profile.

To support my claim, I will be providing a police report and an FTC Identity Theft Report, which document the details of this fraudulent activity. I ask that these documents be reviewed in conjunction with my request to remove the unauthorized account. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please notify me once the account has been investigated and removed from my credit report. 

Thank you for your assistance.
Product: Debt collection

I paid the whole medical debt in 2015 with another debt collector. Now this new company is trying to charge me another amount 4 years later that I paid my whole debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were added to my credit report without my authorization. 
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  - XX/XX/XXXX
Product: Credit card or prepaid card

Dear CFPB Repr. 
I believe Citi Bank is involved in misleading customers about paying off promo balances. Couple weeks ago I made {$3000.00} payment that should have been gone towards my upcoming high rate balance transfer that was expiring in three day and now is charging me 19.9 % instead they applied that time 0.99 % balance that is expiring next year. 
I believe this very unfair practice and wonder if it is even legal. Please let me know. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have tried multiple times to dispute in correct items and personal information on my report to accurately get these items removed and or updated
Product: Debt collection

I am writing to you regarding the late payment entries currently appearing on my credit report. After reviewing my credit history, I have noticed that there are instances of late payments listed, which are negatively impacting my credit score. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received all credit agency credit report in XX/XX/XXXX. I started to send letters to begin the disputing process upon the inaccurate information. Nothing happened, so on XX/XX/XXXX I started to make phone calls to each bureaus, I realized that there were addresses that did not belong to me. As like, XXXX XXXX XXXX, XXXX, Florida XXXX is one of them. I have disputed these with all three, XXXX, XXXX, and Experian. Added a Fraud Alert on  each credit bureaus account. 

As of XX/XX/XXXX The address was removed from all three credit bureaus either by a phone call or by a letter. 

XX/XX/XXXX I reviewed my credit report and realized this address XXXX XXXX XXXX, XXXX, Florida XXXX has reappeared on my credit report. i did not receive any notification as to why this address re-appeared on my credit. 

I have attached proof of notation of removal or the report is shown the address is removed.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name XXXX XXXX Account number XXXX XXXX Account name XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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. 


XXXX 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, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX  credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

I made 3 purchases this week. One at an airport, one at XXXX, and one at XXXX. All three were showing against my available balance last night when I went to bed. Huntington charged a fee or removed a credit as they do not allow transactions to go through if funds are not available. I made a mobile deposit of {$200.00}. They unlike every other transaction did not make the funds available they are holding it for 4 days. I explained I needed those funds to feed my family this weekend. They didnt care XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have no record keeping of pending credits that may have disappeared. My account had {$4.00} when I made the purchase last night. For {$4.00}. Being poor and having a low isnt a reason to hold someones paycheck.
Product: Payday loan, title loan, or personal loan

I got a loan using personal property as calateral I paid the loan off early after being late 2 months I believe it was XXXX or XX/XX/2017 but they claim I still owe them and didnt pay it off I just found out this info a week ago
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on my file i see inaccurate information on my report showing nevagtive items that needs to be removed. 

these accpunts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) in general Subject to subsection ) c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) Inaccordance with the writtne instruction of the consumerto whom is relates. I NEVER GAVE ANY CONSUME REPORTING AGENCY WRITTEN CONSENT to report anything on my consumer report which violated my rights as a federal

protected consumer. 15 U.S CODE 1681c- 2 a consumer reporting agency shall block the reporting ofanyinformation in the file of a consumer that the co
nsumer identiflies as information that result from an alleged identify theft, not later than 4 business days after date of receipt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Contacted Midland credit management and ask them to report that I'm making payments on the amount old. and they refuse to report that I'm making payments and said they do not have to report that I am making payments. 
M y account is no longer negative and IS revolving and should be showing a positive or a percentage paid and it is not doing so so. I'm demanding they either remove the entire amount off my credit or they show proof that I'm making payments and that my credit is in good standing. They are hurting my credit unfairly and unjustly!
Product: Payday loan, title loan, personal loan, or advance loan

Was tricked into signing up for options products I didn't want
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the XXXX  XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, CREDIT COLL failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CREDIT COLL Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CREDIT COLL Account Number : XXXX As a consumer by law this account must be deleted immediately.