23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Great, here is the revised letter with the information added : Dear XXXX, Transunion, and XXXX I am writing to dispute the account information related to my XXXX account, as it contains inaccuracies and discrepancies. The information provided by your credit reporting agency regarding this account does not accurately reflect the payment history and status. I request a thorough investigation and correction of the following discrepancies. 

XXXX : According to XXXX 's report, there are six potentially negative months associated with the XXXX account. The account is shown as closed, with a charge-off status and a balance of {$0.00}. The report indicates multiple past-due amounts, including 30, 60, 90, 120, and 150 days. However, the data regarding past due 150 days is unavailable. The status is listed as closed with a {$310.00} write-off. The last payment date is reported as XX/XX/XXXX, which contradicts the reported charge-off status. This discrepancy requires investigation and clarification. Additionally, I would like to add that the first payment date was in XX/XX/XXXX, and all payments were made until XX/XX/XXXX. There was a 30-day late payment in XX/XX/XXXX and two full payments in the following months, except in XX/XX/XXXX, when there was a 30-day late payment. After XX/XX/XXXX, all payments were late, leading up to a 150-day late payment in XX/XX/XXXX and a charge-off status in XX/XX/XXXX. 

XXXX : XXXX 's report for the XXXX XXXX XXXX account indicates one late payment in XX/XX/XXXX. The account is shown as closed with a charge-off status and a balance of {$0.00}. The status was updated in XX/XX/XXXX. However, the report does not provide information on the highest balance. The discrepancy between the reported late payment and the charge-off status requires investigation to ensure accurate reporting. Additionally, I would like to add that the first payment date was in XX/XX/XXXX, and all payments were made until XX/XX/XXXX. 

TransUnion : TransUnion 's report for the XXXX account shows a closed account with a charge-off status and a balance of {$0.00}. The account type is listed as a revolving account, and there is no payment history available to display. The status was updated in XX/XX/XXXX, and the highest balance is reported as {$2000.00}. However, the discrepancy lies in the absence of payment history and the charge-off status, which needs to be resolved. Additionally, I would like to add that the first payment date was in XX/XX/XXXX, and all payments were made until XX/XX/XXXX. 

I kindly request that you conduct a comprehensive investigation into these discrepancies and rectify the inaccurate information on my credit reports accordingly. Please provide me with a written confirmation of the investigation results and any corrections made to the account information. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

I informed the company that's I have no knowledge of this account and also informed them that I was a Fraud victim, and this reminds on my credit report.
Product: Credit reporting or other personal consumer reports

I mailed certified XX/XX/year> to all three bureaus and no information was provided to validate, correct or delete.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account with account XXXX XXXXXXXX opened on XX/XX/year> and a balance of {$0.00}. 
The current payment status of 30 days past due is incorrect because the balance due on this account is {$0.00}. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this in accurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Product: Debt collection

I wrote the company a validation letter not verification. I never received a response so i called they sent it out XX/XX/XXXX. I told the lady I never received it she said ok they would email it. I called a couple weeks later and told her I never received the email. She then stated she will do it again. Weeks passed again still no email so I called again the lady said they can't email it she mailed it XX/XX/XXXX. I told her I still have received it. I told her that what she is doing is against the law and that I was filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and there are multiple issues with inquiries that are negatively impacting my credit. I don't recognize inquiries from : - XXXX/XXXX, XX/XX/2018 - XXXX XXXX, XX/XX/2018 - XXXX, XX/XX/2018. 

In XXXX applied for a mortgage with XXXX XXXX, but I have over 5 inquiries from companies that I don't recognise : - XXXX, XX/XX/XXXX and XX/XX/2018 - XXXX, XX/XX/2018 - XXXX XXXX, XX/XX/2018 - XXXX XXXX, XX/XX/2018 I do not know where these inquiries but they have really damaged my credit.
Product: Checking or savings account

Well Fargo froze a joint account my husband and I shared back in 2011. It was for a few XXXX dollars being deposited by the military, it caused us a significant amount of trouble because it directly affected our lives we were late on rent and other bills and end having to pay a significant amount of late fees due to the account being frozen. It took more than a week for them to correct their error. This event led to us closing our accounts with them permanently.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian due to the lack of response following my dispute submission on XX/XX/2023. Despite disputing specific items on my credit report, including XXXX ( XXXX ) and two bankruptcy references ( XXXX and XXXX ), I have not received any investigation results from Experian. 

I am including a copy of my dispute letter for your reference and as proof of my attempt to address these inaccuracies. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.
Product: Checking or savings account

XXXX has XXXX  and XXXX my account for almost two weeks. They will not let me speak to a supervisor or give me any information after numerous calls to them. 
I am a XXXX XXXX XXXX XXXX. I am being offered a special apartment through the city but must provide them with first and last months and security deposit. Because XXXX refuses to release the funds I will lose my apartment! 
Please help!
Product: Money transfer, virtual currency, or money service

I reached out to my prepaid care company about the transaction today, XXXX XXXX at XXXX cat. Used card to pay the owner for customize wig I never received it. Reached out to the prepaid card company and they said it was nothing they could do because the transactions were completed already.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewing my credit report in XXXX XXXX and noticed a lot of errors, inconsistent, and incorrect information. Sent a letter to XXXX and TransUnion on XXXX XXXX of XXXX via mail asking them for an investigation and to verify all the dates and amounts were correct and fix the incorrect reporting on my credit. They did not respond at all so I sent another letter on XXXX XXXX XXXX via mail, again asking for an investigation and proof. They still didnt respond to that letter so I sent a third letter on XXXX XXXX of XXXX certified mail so I have proof that they signed for my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report & noticed someone applied for something in my name. 
According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

XXXX : XXXX XXXX XXXX ( Bank ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX. XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/2021 EQUIFAX : XXXX XXXX- XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally car loan is paid off. They are still reporting it delinquent will not fix. No title sent either getting run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert this morning saying that my credit was inquired. I signed in to the website to see that I had several requests on my report. I call in spoke with Rep she told me that its nothing that she could do that would come off in 2 years. I told her why do they say to call if they will not remove whats the purpose of having the app alert you if they can not help. 


the following inquiries I did not request. 
XXXX  1 ) XXXX  XXXX XX/XX/XXXX 2 XXXX XXXX XXXX  XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX  XX/XX/XXXX 6 ) XXXX  XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 XXXX, XXXX, AND XXXX to be removed.

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

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

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

All incorrect address and misspelled names on credit report is affecting my score and I want removed from transunion equifax and XXXX
Product: Vehicle loan or lease

I contacted XXXX to remove the debt account. It was paid in full and is greater than XXXX  years. I was told by corporate I had to contact that particular office. But that office is permanently closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU BROKE THE LAW!!! 

Dear Transunion, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system depends upon my consumer reports being fair, and accurate to me. Pursuant to 15 usc 1681 ( a ) ( 1 ). Pursuant to 15 usc 1681 ( a ) ( 2 ) congress make it clear that you are an elaborate mechanism with no real standing, or authority.

Pursuant to 15 usc 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, causing mental anguish and deep XXXX. I have been unable to get a job because of you assuming this role. 
Pursuant to 15 usc 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with me the consumer. You have no proof that this transaction even took place. You are also impartial, because you allowed information to be reported while only hearing one side of the story.You also infringed on my privacy.by having a conversation about me with a third party and reporting this information as a result of this third party. I am demanding that this information be removed as soon as possible. 
Pursuant to 15 usc 1681 ( a ) ( b ) You did not meet the needs of commerce this was NOT fair and equitable to me. This information is NOT accurate.

You are in violation of 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) If this was a factual transaction, Which you would not know because you were not there, it would be a transaction that solely took place between and the person that allegedly made this report. So pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) it should be excluded from my report. 


ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of inaccurate late payment information on my XXXX, XXXX and TransUnion credit report. Up until this recent account issue, l 've had no missed payments with with the XXXX XXXX XXXX XXXX XXXX XXXX since my credit card was first originated or ever in my credit history lifetime. 

I recently pulled my credit report with Transunion, XXXX, and XXXX and discovered I now have a XX/XX/2023 missed payment reporting on my XXXX XXXX XXXX credit card account ( XXXX XXXX is the underwriter ). 

My XX/XX/2023 XXXX credit card statement states a payment was due by XXXX XXXX, as shown in the attached page of my statement. On XXXX XXXX, a payment for the minimum balance, {$440.00} was made, as shown in the attached photo. 

Thus making my missed XX/XX/2023 XXXX credit card payment inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

About three years ago I was going to switch to open a XXXX XXXX account for my business. This was all done over the phone with XXXX XXXX. We agreed on a package and they were going to send me phones so I can activate the account. Before that I received an email to make a payment to activate the account and it wasnt what we spoke about so I cancelled it never activated the phone and sent it all back. Now three years later this came up on my Experian credit report. 
I am being billed for {$840.00} from T mobile. A collections is on my credit report. I disputed it twice and I am being told it is accurate. I also called the collection agency and they were not helpful at all. Just said to dispute it on my credit report. Please assist on this
Product: Debt collection

I e never received any form of communication from this company about this debt. They need to send me proper documentation about this collection. I have not even contacted regarding this or provided with any info on it. It was reported to the credit bureaus
Product: Credit reporting or other personal consumer reports

Experian has repeatedly violated my FCRA consumer rights on various levels. This company has refused to validate a fraudulent account. XXXX XXXX was opened fraudulent without my consent or acknowledgement. Experian has this account reporting under an address I never resided at. I recently went in a XXXX XXXX XXXX to get copies of this loan in my name and noticed the address Experian is claiming to verify is not the address associated with the loan. This also shows this was fraudulent the address on the loan is a address I never resided at and the address that's currently reporting on is a po box I never resided at as well. Ive repeatedly ask Experian to verify this debt. Experian has constantly lied and failed to do there due diligence. Due to Experian negligence this has cause serious hardship and defamation of character. Attached are copies of police report, FTC report, loan from XXXX XXXX, also a letter showing this debt was sold! Experian has failed me a consumer.
Product: Credit reporting or other personal consumer reports

I just look at my credit report again and according to 15 USC 1681e ( b ) you are supposed to provide MAXIMUM accuracy of my credit report. 

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 XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX 1.DELETE THIS ACCOUNT because of 15 USC 1681e ( b ), 15 USC 1681i ( 5 ) DELETE THIS ACCOUNT because the violation of 15 USC 1681e ( b ), 15 USC 1681 ( 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that are reporting on my Credit Reports : XXXX XXXX Balance : {$6500.00}
Product: Debt collection

I have mailed 2 dispute letters and 2 letters by certified mail on XX/XX/2017 and XX/XX/2017 for removal of multiple inquiries on my credit report. I have disputed those as not valid. I did not sign any contract nor did I authorize for those collections accounts to be added and definitely did not authorize for those inquiries to be added. I have XXXX reported hard inquiries with experian and only XXXX of them I consented to. They have not responded to my request to have those inquiries removed and furthermore there is no way they could have investigated these within 30 days because I never received a response at all but they did respond to the collection accounts being removed but I have yet to receive any contract with my signature. I have XXXX accounts in collections that I have specifically asked for validation of that debt and for something to be sent to me with my signature stating that I consented to anything, they have failed to provide that as well. I am disputing this because they have failed to provide me documentation to keep reporting this account. I am trying to purchase a home and these hard inquiries and collections are showing a sign of financial trouble and that is not the case at all.
Product: Checking or savings account

We ( My wife and I ) are elderly immigrated who have moved to the USA from XXXX to stay with our children in the USA. We have children in XXXX XXXX  and XXXX 

We both have green-card, social security and an state ID from Ohio. We even have our XXXX Tax return. 

We went to Wells Fargo at XXXX XXXX XXXX, XXXX XXXX, FL XXXX where my children also have some accounts. We spent significant amount of time with the one of bankers ( Mr. XXXX XXXX XXXX and presented our Social Security cards, State ID, Green-card and etc. 

The banker made numerous calls to see if he can open account for us, we over heard the calls that he was asked by other party on the line " Why can't you open their account '' and he replied " Because they are XXXX ''! 

He made about 3-4 phone calls until someone finally told him, " NO ''! 

It sounded that he deliberately tried hard to find an excuse not to open an account for us and in COVID-Era he kept us in the branch for over 2 hours! 

We do believe that the cause of denial was discriminatory and even after we called Wells Fargo customer service, they were surprised that the banker refused to open an account! 

Bank may talk to my daughter regarding this issue too
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date of Charge-Off XXXX XXXXXX/XX/XXXXIt has come to my attention that the charge-off Cis being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Mortgage

NDS Corp. 
XXXX XXXX XXXX, XXXX XXXX, XXXX , ARIZONA XXXX Re : Letter dated XX/XX/XXXX We need all and any documents that pertain to my loan ( not one or any documents should be a secret or confidential and hidden from us ). 
Any remaining documentation being requested and will not be fulfilled and or provided will be unduly burdensome to me and to my family! 
Letter dated XX/XX/XXXX No document to be privileged or proprietary! I have every right and more benefits to demand every document from the past to present that is connected to my loan, no secret documents should be kept from homeowners and from any authority. 
I need all corporate assignments of deed of trust from XX/XX/XXXX to present. The one on record dated XX/XX/XXXX was produced under fraud, therefore under the California and federal law it is void, cancelled and has no validity. I need copies of all original notarized documents and its original notary book with thumbprint and a current affidavit signed under penalty of perjury of all authorized staff, notaries, attorneys etc. that have been involved in dealing with my loan from XX/XX/XXXX to present, to verify and validate that my loan was handled in accordance with all Federal and State laws. The original deed of trust was recorded on XX/XX/XXXX not XX/XX/XXXX plus many more discrepancies, please have a forensic document examiner review all documents pertaining to my loan, from XX/XX/XXXX to present. 
ALL WRONGFUL FORECLOSURE NEEDS TO BE INVESTIGATED BY THE PROPER AGENCIES!