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

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX XXXX, XXXX 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 XXXXXXXX XXXX XXXX  XXXX XXXX
Product: Credit card

I made a purchase from Ashley Funiture store in XXXX Tennessee on XXXX XX/XX/year> for a total amount of {$2200.00}. My purchase was delivered to my apartment on XXXX XX/XX/year>. I notice that the purchase was still in a pending status even though the amount had posted. I contacted the store and Synchrony Bank about this issue. I reviewed my account online today and noticed that instead of fixing the issue, they recharged me {$2200.00}. This is the second time Ashley has double-charged me for a purchase. I had a previous account with them and they charged me several times for a one-time purchase of a table and I had to file a complaint with the XXXX to get it resolved, and here we are again with the same issue. I assume this must be a part of their business practice. They also overcharged me for delivery. As a XXXX veteran, I feel this company should be held accountable for this mismanagement of my account and trying to take advantage of me as a consumer. Also, if you look at the attachments, they have other items still in a pending and posted status even though the items were already delivered.
Product: Credit reporting

I was denied a equity line of credit by XXXX by Experian.XX/XX/2015. 
1.Experian states insufficient number of accounts paid as agreed. My question which accounts are they talking about and simply address them and not XXXX pages. 
2. Installment loan delinquency. Which one/s and address them singly 3.They state public records. They do n't know what the circumstances of these bear. 
Paid one have circumstances that a Judge may have felt was better than wasting the Courts time.XXXX XXXX was a section XXXX tenant on crack cocaine.To continue in court for a judgement would have resulted in no collection. So time to file against her after getting a judgement lapsed and i paid her to move. 
4.XXXX XXXX Attorney . Handled a case against XXXX XXXX Attorney who was my partner in a real estate property. In a settlement his fee was overlooked and he purposely filed this claim. He was paid in full. 
5. Experian states past or present credit obligations. I want the list/s that they are referring to and not XXXX pages. If XXXX is XXXX XXXX they are under review with The California Dept of Justice. 
Also i want to know how Experian rates the different causes o late payment, loan delinquencies, public records, past and present credit obligations. As it seem each reporting agency differs and reflect in your scores different. There is no across the board scores and what is the system that Experian uses and why are the years that are reflected on reports computed.
Product: Mortgage

In XXXX 2015 I began working with Watermark Home Loan ( broker : XXXX XXXX ) in order to refinance the current ARM on my primary residence. The result of this process was absolutely unacceptable. Only when I inquired about the status of my loan application two weeks prior to the expiry of the 45-day loan lock period, did I learn about missing documentation. I had been under the impression that it was their job to shepherd the process through to completion. Silly me - apparently it was my job! On multiple occasions sensitive documents ( containing social security numbers ) were transmitted via e-mail without password protection ( despite being described as password-protected ). And getting any response from them took multiple e-mail inquiries on my part. Finally, there was no accountability or apology for their total failure to complete the process. Excuses were made about " too many moving parts '' because I am semi-retired and living off of investment income. Meanwhile, I wasted a lot of time and money ( on a useless appraisal ), and lost a prime opportunity to refinance my ARM with a fixed rate loan.
Product: Money transfer, virtual currency, or money service

I placed an order with XXXX XXXX costing {$10.00}. Upon submitting the order I noticed the incorrect address was used ; an address I havent vacated in years. Before the order was processed I spoke with four different representatives from XXXX XXXX who ultimately did not cancel the order even though it had not been processed or fulfilled. Before the order shipped I spoke to an additional three people who said there was nothing they could do which is utterly ridiculous. They advised me to dispute the order with PayPal which is ludicrous. Now the order has arrived at a location states away with new residents. I have no way of receiving the package and the XXXX XXXX is saying nothing can be done since the package was delivered even though I warned them weeks beforehand. I am extremely frustrated and upset I feel scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX / XXXX CREDITOR : XXXX / XXXX DATE ASSIGNED : XX/XX/2017 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX / XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to file a formal complaint against XXXX for their mishandling of a collection account dispute on my credit report. Despite multiple attempts to resolve this matter, XXXX has failed to provide adequate information or take corrective action, which has negatively impacted my credit standing. 

The issue involves a collection account that XXXX is reporting on my credit file. Specifically, the account appears to be reported to different original creditors and re-aging which raises questions about its accuracy and validity. I have disputed this account with XXXX on multiple occasions, with XXXX XXXX,2024 being the most recent yet their response each time has been, It meets the guidelines, without providing any substantive details or evidence to support their findings. 
Collection company XXXX XXXX XXXX Account number XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate credit reporting and a thorough investigation of disputes. XXXX has failed to meet these obligations by : 1. Refusing to provide documentation or information supporting the validity of the collection account.

2. Continuously reporting inaccurate or inconsistent information despite my disputes.

3. Not addressing my concerns about multiple original creditors being linked to this single collection account and re-aging dates. Failed to properly investigate disputes, as required by law.

The CFPBs recent lawsuit and oversight efforts against credit reporting agencies demonstrate the importance of protecting consumers from these unfair practices. My situation aligns with the CFPBs findings regarding systemic failures in dispute resolution processes and Experians obligation to provide transparent and accurate credit reporting.

This issue has significantly harmed my financial well-being, including reducing my credit score and limiting my ability to access credit. I request the CFPBs assistance to ensure XXXX : Fully investigates and validates the disputed collection account. 
Removes the account if it can not be verified with clear and accurate documentation. 
Improves their dispute investigation and reporting practices in compliance with federal standards. 

This situation has caused harm to my financial well-being, including a lower credit score, difficulty obtaining credit, and emotional distress. I am requesting the CFPB to intervene and ensure that XXXX complies with the FCRA by : Providing clear and verifiable evidence of the collection accounts validity. 
Correcting or removing any inaccuracies related to this account. 
Reviewing their investigation process to ensure compliance with federal law.
Product: Debt collection

To whom it may concern : I've been receiving several text messages and calls since XX/XX/2023 regarding a debt from TrueAccord for {$780.00} for the Creditor XXXX XXXX XXXX. 
Also I've been receiving calls from XXXX XXXX. 
I never contracted any service with this company and I don't recognize this debt. 
I will appreciate your help and support to clarify this situation. 

Thanks in advance,
Product: Student loan

My complaint is with Navient. 

I have, in the past, requested that they not call my employer. Yet, they are still calling my office phone. This is getting very embarrassing. Despite past requests, they have called three times already today ( XX/XX/year> ).
Product: Credit card

XXXX company Affirm has updated it's Affirm Loan display removing amount due and due date information for loans. It is now harder to know how much to budget to pay loans since only loan amounts left are displayed. It seems that Affirm is intentionally obscuring amount due and due date information from its consumers leading consumers to miss payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i reached out to Transunion & XXXX on 3 occasions via letter correspondence to correct or delete the below account due to " Account Status '' Reporting inaccurate. on the following 2 accounts. 

XXXX XXXX XXXX XXXX Account Status reporting wrong and inaccurate. these 2 accounts where paid in full back in XXXX  if you look at the attached current credit reports of mine you will see there many errors that are effecting my life. you can always fix your eyes on the comments that the actual XXXX and Transunion noted that the accounts WHERE PAID IN FULL. i just want the statuses updated to Paid and not Derogatory. as you can also see XXXX reported the account correct. on the XXXX XXXX  account. i have wrote to both companies on 3 occasions and never got a response back. i had no choice but to submit a full complaint here with proof. i also want to point out on the XXXX XXXX account the payment history has been reporting inaccurat as well since XXXX of XXXX  you can see on the report XXXX  reported me ( CO ) but XXXX reported that i paid ( OK ) meaning on time. how is that so? how can i be late CO and OK at the same time. these inaccurate reporting 's are in violation and need to be removed from my credit reports. thank you in advance for your help.
Product: Debt collection

Was notified by a rep. from First Collection Services XXXX XXXX stating I owed a debt XXXX. I disputed the validity of this debt and the rep stated the debt could be settled and would call me back with a offer at a specfic time and to have my debt card information available. I recieved a call from a four digit number XXXX at the said time. I refused the call and recieved more calls from the same number.
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Indiana, XXXX Subject : Dispute of Unauthorized Hard Inquiry Dear CFPB [ Consumer Financial Protection Bureau ] , I am writing to formally dispute a hard inquiry on my credit report that I believe is inaccurate. The inquiry in question was made on XX/XX/XXXX by Onemain, and I have not authorized this inquiry. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is incorrect. According to Section 604 of the FCRA, a credit reporting agency may only report inquiries that are authorized by the consumer. Since this inquiry was not authorized by me, I request that it be investigated and removed from my credit report. 

Please find enclosed a copy of my credit report highlighting the disputed inquiry, along with any supporting documentation. I would appreciate your prompt attention to this matter and request that you inform me of the results of your investigation within 30 days, as required by the law or remove this off my Credit immediately. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a 90 late on my 8 student loan. I was never late on these accounts they have been in deferment for years. I asked XXXX and Transunion to show me documentation showing proof of a transaction showing I was ever late to support their inaccurate reporting on these accounts and they could not supply any documentation to support these inaccuracies so I asked them to please delete these alleged late payments from my credit report based of the law ( Per U S 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan ). They havent delete them as of today which is the reason for my complaint.
Product: Credit card

To the Appropriate Officials, On behalf of XXXX XXXX, the juridical principal debtor, I, as a non-juridical representative, draft this grievance, resonating with genuine concern. 

The Longstanding Bond : Tracing back to XXXX, XXXX XXXX 's affiliation with American Express has been unbroken. This provokes the query : What prompts this complaint at this juncture? 

A Tale of Two Narratives : Theres an evident disparity between the narrative spun by American Express 's responses and our initial assertions. This gap pushes us to seek a higher avenue of redress.

Reflecting on the Past : Earlier grievances seem to have been prematurely archived without directly addressing the pivotal matters. Such oversight nudges us to take this intensified approach.

Navigating the Fog : Our endeavors for straightforward communication with American Express 's divisions often find us amidst murkiness, opposing our intentions for clear discourse. 

Enclosures : The documents attached serve as a beacon, illuminating our areas of concern. 

A Call for Action : I implore the CFPB to delve into this matter, seeking a transparent and equitable resolution. 

As an additional measure for transparency and to underscore the gravity of this matter, a hard copy of the pertinent attachments has been dispatched via certified mail. 

XXXX ( non juridical )
Product: Payday loan, title loan, personal loan, or advance loan

I received a check in the mail for XXXX in XXXX or XXXX of XXXX. I cashed the check because at the time i was traveling from state to state with my XXXX XXXX XXXX son who had XXXX in efforts to try and save his XXXX  so my expenses were heavy and my income was not. I paid the loan as i could but near and after his XXXX  things became increasingly tight and as things got tighter for me the collection efforts at the company became more and more aggressive. Which I understand because I myself am a XXXX  XXXX for a XXXX XXXX and have been for over XXXX years. So I am well aware of hardships, modifications, all of which were denied to me. I explained over and over that i had willingness to make payments but the payments i could make often the manager XXXX would decline. Many times i could not afford XXXX $ so i would drop a payment to the office of of XXXX $ and event XXXX $ thinking i can pay as i get money because getting a whole XXXX $ deemed almost impossible but the office would mail the check payment back to me. I am in the possession of 3 returned letters from the office where they mailed my checks back to me. They always tell me that my account is in legal status or they cant take a partial payment or nothing can be post dated to my payroll day, I work with people everyday and I pride myself on being firm but fair but most of all I operate with compassion which we all need in this day and time. I know that XXXX gives me a hard time because i work in the same field but we are far different a manager. I would drive all the way to his office and drop a check in the slot that he will get on a Thurs and be dated for Friday and he will mail it back saying its against the law to take a post dated check. I have worked for XXXX companies XXXX XXXX  XXXX  and XXXX and none have stated that a post dated check is against the law. I called the office a couple days ago to make a payment of XXXX $ and they would not take it because they explained they could not take less than a payment and they could not take it by debit it had to be cash in the office. If this office is turning XXXX 's of dollars away from me who else are they sending money out of the door back to. My last straw was i looked over my finances and wrote out XXXX checks for XXXX $ each to post every two weeks to close out my balance and guess what i get in the mail today all the checks. I understand the rules of finance very well but where is the help. i explained to them i had a XXXX XXXX then i had to XXXX him from so the medical bills and cost of XXXX  took me so far back but its these times that consumers look for assistance not to be looked at like we are not human. I will pay my balance with the company because i owe it but they have made it very hard to do.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Debt collection

This debt collector has done inexcusable practices of the FDCPA which it prohibits.They have furnished this account which we have not agreed on and I didn't sign an agreement on. A legal contract is a contract signed by two parties and I did not participate in any of it.They also did not follow the proper 5 step validation procedure. According to the FDCPA, Im entitled to compensation for these violations, they have violated my rights and abused my privileges. Please remove this from my credit report.
Product: Credit reporting or other personal consumer reports

I did not authorize the following inquiries showing on my credit report : XXXX XXXX XXXXC- XXXX XXXXXXXX XXXX XXXX XXXX- XXXX duplicated
Product: Debt collection

My partner and I moved to XXXX, Colorado in XX/XX/2022. A month later, we went to a XXXX store to change our phone service, which they assured us was serviced in our area. We purchased new phones and a new plan. When we arrived back to our home town, we were out of service. When I called XXXX they told me that our zip code, XXXX, was XXXX dead zone and had to borrow service from the only service towers in our area - none of which belonged to XXXX. After a back and forth with their customer service team, they told us that we coukd return the phones for a full refund and our service would automatically be canceled on a set date. When I called again to confirm, I was told my bill would be {$0.00}, and I wouldn't owe XXXX anything for the inconvenience of selling us a phone and plan, despite them not servicing our area as they had previously mentioned. I received a bill for this amount, {$0.00}. Now, XXXX is attempting to collect {$33.00} from me through their chosen debt collection company, True Accord. They will not allow me to discuss this with anyone but their debt collection company.