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

XX/XX/year> Subject : Request for Investigation and Correction of Inaccurate Late Payments on My Credit Report Dear CFPB, Following your agency 's completion of the investigation as outlined in this complaint, I am writing to request a detailed description of the investigation process used to review the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation process within 15 days of receiving a consumers dispute. 

Upon reviewing my credit report, I discovered that my XXXX account reflects inaccurate late payments, despite my consistent record of timely payments. It is imperative that consumer reporting agencies ensure all information is reported with complete accuracy, and I am now requesting that TransUnion thoroughly investigate this account and update the entries to reflect on-time payments. 

Discrepancies in Reporting : The credit reporting agencies have inaccurately recorded late payments on this account that do not reflect my actual payment history. The discrepancies are as follows : XXXX : 30-day late payment in XX/XX/year> XXXX : 30-day late payment in XX/XX/year> TransUnion : 30-day late payment in XX/XX/year> These entries are incorrect, as I have consistently made all payments on time. 
Legal Basis for Dispute : Under the FCRA ( 15 USC 1666 ( b ) ), I am entitled to the accurate reporting of my account history. The presence of these erroneous late payments misrepresents my creditworthiness, potentially constituting a violation of both the FCRA and the Truth in Lending Act ( TILA ). Additionally, sections 15 U.S.C. 1681i and 1681s-2 of the FCRA mandate that credit reporting agencies and information furnishers correct inaccurate or incomplete information in consumer reports to ensure maximum accuracy. 

Requested Action : I request that TransUnion perform a comprehensive investigation into this account and promptly remove the inaccurate late payment entries to reflect my correct payment history of 100 % on-time payments. 

Please confirm the removal of these inaccuracies in writing within 30 days of this complaints submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the corrections within the timeframe mandated by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation and Contract from Midland Funding Dear XXXX, I am writing to dispute an alleged debt reported on my credit report by Midland Funding XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt and a copy of the original contract or agreement that bears my signature and that Midland Funding claims gives them the right to collect this debt.

Please provide the following information : 1. The name and address of the original creditor.

2. The name on file of the alleged debtor.

3. The alleged account number.

4. The address on file for the alleged debtor.

5. The amount of the alleged debt.

6. The date the alleged debt became payable.

7. The date of the original charge-off or delinquency.

8. Whether this debt was assigned to Midland Funding or purchased, and if purchased, the amount paid for the debt.

9. The commission for the debt if collection efforts are successful.

Additionally, I request copies of the following : 1. The agreement or contract that grants Midland Funding the authority to collect this alleged debt.

2. Any signed agreement that I have made with Midland Funding, or any verifiable proof that I have a contractual obligation to pay this debt.

3. Any other agreement bearing my signature wherein I agreed to pay the creditor or Midland Funding.

4. All statements while this account was open.

5. Any insurance claims made by any creditor regarding this account.

6. Any judgments obtained by any creditor regarding this account.

Please also provide the name and address of the bonding agent for Midland Funding in case legal action becomes necessary.

You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your rights to collect this alleged debt within 30calendar days from the date of receipt of this letter.

Please be advised that failure to comply with this request within 30 days will result in the removal of this disputed debt from my credit report.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XXXX XX/XX/XXXX, XXXXXXXX XXXX  Date of inquiry : XXXX XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, CPS Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Mortgage

Bank of the west is charging me out of the air and their explanation is that they do not know how they get their figures. 

# 1 Bank of the West costumer service in real estate dept. is clueless about the problem and they not willing to correct it. 

# 2 their accounting Dept. is not communication at all to correct the issue and they turning blind eye on me. 

# XXXX Bank of the west is throwing numbers out of the air with vague explanation of why the monthly numbers are not correct. I spoke to bank manager and the person agreed that nothing make sense, accounting does not make sense. I ask for them to audit their account to investigate their unfounded fluctuating fees and bank of the west said they will not do it. Here are the issues : I had a HELOC account for about 2 years and on XX/XX/2020 I applied for emergency disaster forbearance. I was on forbearance for 3 months and and my end date was in XXXX of 2020. I communicated with bank of the west and asked what is the final amount to pay for the 3 months of forbearance so I can catch up and get to normal chargers. They said {$1800.00}. I paid {$1800.00} in XXXX XXXX see image In XX/XX/2020 I get a bill for {$480.00} and I paid it thinking by now this is correct and account is back to normal. 

In XX/XX/2020 I see my account online about {$900.00} was due. I called and asked what is this high fee for and the reply was that is the remaining balance for the forbearance. After XXXX days Bank of the west corrected it to {$170.00}. Which did not make sense and they did not give me explanation what is {$170.00} is for. I paid {$170.00} to satisfy this bank. By now I started to suspect that Bank of the west playing scam games or fraud charge tactics. 

In XX/XX/2020 I get a bill for {$520.00}. I paid it In XXXX I get a bill for {$400.00}. I called Bank of the west asking why is XXXX bill {$520.00} and XXXX bill dropped to {$400.00}. Bank of the west answer was that XXXX bill has some remining balance of the forbearance. At this point I HIGHLY SUSPECT Bank of the west is XXXX  me as we confirmed in XX/XX/2020 the payment of {$1800.00} was the final bill to end the forbearance and this bank scamming me. their accounting does not make sense at all. AND I AM NOT CONFIDENT THAT THEY BEEN CHARGING ME CORRECTLY SINCE I GOT THIS HELOC. 

I checked some past recites and again I see high and low accounting charges. I want this bank to be audit since opening HELOC ACCOUNT to date, specifically my HELOC account
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for a credit card an been denied to something missing on my credit report an being falsely reported deceased illegally cause me to be denied credit fair credit report agency act violation civil rights uptain credit an applying for credit place my credit in good standardan to approve my application an contact capitol one for a approve an fix this problem all credit report agency approve my application to uptain credit my date of birth was incorrect to stop me from having credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has been paid off since XXXX of XXXX. There are numerous late payments reported and I was never late paying the note. I have called constantly to rectify the problem and was told that it would be taken care of. I am in the process of purchasing a new home and I am having trouble with these late payments. Please have them removed and report as " Paid as agreed '' XXXX XXXX XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX AMERICAN PROFIT RECOVE XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX I have filed an FTC report on all of these items along with the numerous inquiries reported on my credit file
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 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 ( MONTHS REPORTING 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, 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

XXXX and EXPERIAN is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported was fraud. Said company had four business days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX AND EXPERIAN to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX  AND EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signture. consumer is Not asking for an e-oscar report. If XXXX AND EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX Commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I will be filing form 211 treasury omb forms to audit consumers account. 
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 

***PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION, I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN VERBAL AND NON-VERBAL PER 15 USC 6802 EFFECTIVE IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting to the Credit Reporting Agencies to correct the disputed accounts reporting erroneous information on my Credit Report. I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX requesting the investigation, verification and correction of these suspicious accounts. I believe that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/XXXX, and I'm including it again. The following accounts : XXXX XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX, must be corrected and or deleted to reflect accurate information on my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found the following fraudulent hard inquiries on trans union credit report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

I am writing concerning my credit report, which contains inaccuracies requiring your attention. Specifically, I dispute these following accounts : XXXX  and XXXX. 
The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in these accounts from their records due to identified errors. I am perplexed as to how your agency have verified these accounts while the other bureaus have updated them. Therefore, I request that you correct these accounts in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes, but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 

XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. 

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 

XXXX. XXXX notification to all major credit bureaus ( XXXX, XXXX, TransUnion, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach.

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will have no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the email address listed above. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted CFPB complaint XXXX regarding my phone number. Experian responded to the complaint and said they would update my phone number. Experian updated my report with the wrong number. In the original complaint referenced above I confirmed my correct phone number which is XXXX. Experian added XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB Complaint serves as a follow up CFPB Complaint for my previous CFPB Complaint requesting that the Credit Reporting Agencies investigate and remove the accounts that resulted due to erroneous activities. On XX/XX/2023, I sent a dispute letter to each of the Credit reporting Agencies to have the charge off accounts removed from my Credit File. In those letters I attached copies of my personal identifying documents to prove that it I who submitted the requests. I requested the Credit Bureaus to thoroughly investigate the following accounts and have them removed from my Credit File in accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} and XXXX XXXX XXXX XXXX Balance : {$2200.00}. These accounts are clearly erroneous and misleading and must be removed from my Credit file the sooner the better. I have attached the letters I sent on XX/XX/2023 for I fear that the letters I sent would not be received by the Credit Bureaus. This complaint serves as my assurance for the Credit Bureaus to receive the letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time my ID has been compromised. The first person was caught. The second person was a sibling deceased two years ago. This person is ex-wife, recovering from a XXXX basically confined to the basement of my own home, she went online and forged my signature opening dozens of credit cards, in her name and her daughter 's name. Tax returns were received, my signature forged checks signed I never even saw. She was ordered the DC XXXX in XXXX of XXXX during the absolute divorce, no children with her, by the XXXX to : no longer use my last name or my address. She has been out of compliance for a year now, the law clerk told me over the phone there was nothing he could do about it, I needed a lawyer. I am XXXX XXXX XXXX with several other health issues. My oldest daughter found me atter 48 years, informed her mom whom I married in XXXX of XXXX, who discovered all of these matters. I have worked double shifts to own my home, didn't know I had XXXX grandsons plus XXXX  daughters, my wife is currently doing everything she can to get me relocated. We have contacted all three Credit Bureaus, and have placed a Freeze on my accounts. I have also contacted the credit card companies as well as the IRS last May. I was informed by the IRS it would take some time, however it would take some time, yet they assured me the matter will be legally handled. My current wife set up an insurance policy ID Protection Plan, where we are notified -red flag, as the person is allowing collections to take over the matter and no one knows where she is hiding. The head office of our insurance company is also involved in this matter. There should be more advocates out there for seniors, I am grateful for my current wife whom I have known almost 50 years, she went back to school at XXXX after retiring from Corporate America and the XXXX went back to college for XXXX XXXX. I was very very ill upon learning of all of this, however my daughter works for my wife 's doctor, and I am taking some medications mainly for XXXX.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXX - XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX