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

To Whom It May Concern, I am writing to file a formal complaint against XXXX for their failure to respond in a timely manner to my debt validation request concerning the XXXX account number XXXX. This account is associated with a case of identity theft, for which I have previously submitted a detailed report. 

I sent a debt validation letter to XXXX, as per my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that such inquiries be addressed within 30 days. However, more than 30 days have elapsed without any form of acknowledgment or response from XXXX. 

This delay is not only frustrating but also deeply concerning, given the nature of the issue at hand. The account in question is involved in identity theft, a matter that requires prompt and serious attention. The lack of response from XXXX has caused significant stress and uncertainty, exacerbating the already challenging situation of dealing with identity theft. 

I have attached a copy of the original debt validation letter sent to XXXX, along with the identity theft report for your reference. I urge the CFPB to intervene and ensure that XXXX adheres to its legal obligations under the FCRA, providing a prompt and appropriate response to my request. 

Thank you for your attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer. 



Enclosures : Copy of Debt Validation Letter sent to XXXX Copy of Identity Theft Report
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX, XXXX have violated me : Per FCRA Section 623 XXXX XXXX XXXX XXXX XXXX. US COURT of Appeals for the Third Circuit Court Case 115 F. 3rd 220 XX/XX/year>, Filed ( D.C. No. 95-cv-01743 ). 
FCRA Part ( A ) ( 5 ) ( B ) ( ii ) FCRA Section 611 Part ( A ) ( XXXX ) XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) has violated me per : FDCPA Section 807 ( 8 ) FDCPA Section 809 ( b ), FTC Opinion Letter Case From XXXX FDCPA Section 805 ( c ) FCRA Section 605 ( c )
Product: Credit reporting or other personal consumer reports

Creditor is KNOWINGLY reporting an account XXXX XXXX XXXX XXXX that is incaccurate. I will dispute this until this is addressed or I will file a complaint with FTC and State Attorney General.

I have reached out about the account the creditor is reporting the address on this account that does not belong to me, this is also being reported as a debt that was paid as company cancled debt with 1099c and the debt was reported as taxable income and paid on my tax return there fore this is not a debt. 

The credit agency refuses to disclose whether they validated the information by performing an investigation I was told they do not have to validate the information as long as creditor reorts the debt This is a direct violation of my rights
Product: Checking or savings account

Bank of America despite public records of federal lawsuits of practices of reordering transactions to accumulate overdraft fees continues with this illegal practice in 2022. My business account has been effected as of XXXX with an illegal reordering of transactions to create multiple overdraft fees. I have documented the matter and reported it to the bank that I intended to file a complaint of the behavior to the CFPB. My business is being heavily effected by Covid related issues and the bank is taking advantage of the fact the pandemic and failing to provide appropriate relief for affected businesses which I informed the bank of several occasions with no relief. In fact the bank reordering of transactions is an illegal practice, I verified with the merchants that the transactions clear their system within a 24 hour period to the bank. Therefore, Bank of America systems are again designed to create a system of overdraft fees still. I am uploading the documentation as proof and in the event there is a lawsuit in the future brought against Bank of America I want to be compensated for the damages done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has put an illegal and fraudulent security freeze statement on my credit file. I have notified them in writing with copies of my ID and it was sent via certified mail and they refuse to remove it. They are in essence holding my credit file hostage. They are trying to make things difficult and are violating federal law. They are also refusing to report a valid AU tradeline on my credit report. Their intentions seem to be to hold my credit score down to intentionally cause me to be denied credit or to pay higher interest rates. This is the 3rd time I have asked them to remove the security alert statement and they are refusing to do so. Their illegal schemes need to be investigated. I have attached my DL, Social security card and my XXXX XXXX bill for verication if ID. I am demanding that the security alert and statement be removed immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose. 

Capital One XX/XX/XXXX Marked Late XX/XX/XXXX Marked Late XX/XX/XXXX Marked Late
Product: Credit reporting or other personal consumer reports

XX/XX/year> I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report : Account : XXXX XXXX  Account # : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX **Attached a copy of drivers license/ID and a utility bill/SS Card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this item since I became aware of it. There are numerous complaints I have made. 

This is regarding an apartment I sublet in XXXX Oregon from the XXXX XXXX  XXXX XXXX. I rented the apartment for two months. I paid a security deposit. I notified XXXX that my job had ended @ XX/XX/2014. XXXX informed me that it was ok. Rental demand for apartments in XXXX is high and they were able to rent the apartment. When I asked for the invoice to substantiate the claim I did not paid I was given the attached invoice which is for a period of time I was not resident. I have submitted copies of my bank statement which shows two withdrawals for {$700.00} each paid on XX/XX/XXXX, and XX/XX/2014. I have asked XXXX XXXX to research the money orders which typically I used to pay rent. I have sent the bank statement to XXXX XXXX who claims that the withdrawals do not prove that I paid. It doesn't prove that I did not. 

This dispute has been ongoing and frustrating that it is not corrected. No matter what I supply XXXX and XXXX XXXX still claim I didn't pay.
Product: Debt collection

There are XXXX things that need to happen here. I am XXXX and am clearly being discriminated against. Another man, XXXX, and I shared an XXXX. He left with no notice leaving me alone to resolve the closing out and cleaning which I accepted. I was told what the total was and paid it. Then I received another bill for other issues but included were repairs and charges that were false. I made the company manager aware of the excessive charges and nothing was corrected and no mention of leaking XXXX and damage which lasted over XXXX weeks. I had to move out XXXX weeks because of mold and odor. I sent XXXX Notices with details and pictures and contacted the other man sharing the apartment only to find I was the only XXXX being threatened and charged and I was in second position on the lease and only paying XXXX third of the lease payment. I have witness ', XXXX that will sign affidavits the the carpeting, sink and screen door were already needing replacement when I moved in. I required people to take off their shoes when entering from the beginning. I had to send the Notices to the collection agent as the manager would not speak to me directly. I have tried my best to do right and correct this but it has become obvious that they are taking advantage of the situation at my expense. I reported things when I moved in as a guest with XXXX right away and they didn't get fixed. It was into the XXXX week before they fixed the lead in the XXXX unit which created a mold condition. Several other charges are for things that were already in dis-repair before I moved in which was reported.
Product: Student loan

My loan are paid in full but Mohela my loan services telling me that my refund request has been sent to the Department of Treasury but they are saying they don't have any information about my refund request. And I asking for a trace number from Mohela but they can't give me anything. And the Treasury department said that Mohela has to have a trace number to send anything to the Treasury that how they will identity my refund payment
Product: Credit card

Statement closed with {$4000.00} subject to full interest rate for the entire period when there was only a remaining statement balance of {$420.00} after the due date for the previous period. I was charged {$62.00} when by a typical interest rate table the interest charge should have been closer to {$10.00}. When I reached out I was told a representative who could help me was only available Monday-Friday and I had no address or email address to make my request for Citis full explanation not just balance XXXX interest rate. I originally had a promo rate and when that ended it appears Citi made that balance entirely subject to interest and didnt account for any payments before due date on the previous statement
Product: Credit card or prepaid card

I am a 6 year credit card customer with XXXX XXXX and also a former employee 10 years ago. I was recently in the hospital for a big XXXX and the Bank closed my card because I missed payment during that time. My payment history with them is literally perfect and have a 99 %. I also hold my primary account with them and had over {$4000.00} currently in that account, so they could have debit that account easily. As a result of this they closed my account and I am told they cant reopen it.
Product: Credit reporting or other personal consumer reports

My account with TransUnion 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 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. 


TransUnion 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

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX Closed Accounts : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) # XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) # XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX/DEPT OF ED # XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX, DPT EDXXXX 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 mythe 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 month to be remove. 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. XXXXXXXX XXXX XXXXXXXX, XXXX, DPT EDXXXX 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: Mortgage

Hello I have been working with XXXX XXXX to get a COVID forbearance under the CARES ACT. I was advised that " company policy '' dictates they do forbearance in 90 day increments and to call in at a later date to request an additional extension. I received an offer for coid 19 mortgage forbearance agreement dated XX/XX/2021 stating that my plan will begin on XXXX and will terminate on XXXX. I'm outraged that this company is deliberatly trying to offer me a forbearance in direct conflict with the guidelines set forth in the CARES ACT as well as put my request for an extension outside the XX/XX/2021 window. I sent them my hardship letter on XX/XX/2021 specifically requesting 180 days of forbearance. 

I also had my credit report negatively affected due to company reporting my mortgage as a late payment for XX/XX/2021.
Product: Debt collection

XXXX needs to be held accountable! 

I was notified by XXXX ( a collection company ) on XX/XX/XXXX that I had a delinquent XXXX account that had been submitted to them for collection. I immediately reached out to XXXX to discuss the case. I advised them that this was identity theft as the service address was Indiana, and I am a Delaware resident. I have never been to Indiana, let alone started cable service in that state. The perpetrator had used my social security number, previous mailing address and maiden name. XXXX had extended this person credit despite there being a fraud alert on ALL 3 CREDIT BUREAU REPORTS. XXXX requested a Fraud Claim Form be completed. The claim form was submitted, to include a police report. On XX/XX/XXXX a letter was received from XXXX stating that all collections attempts would cease, and all information submitted to the credit reporting agencies would be removed. I was also assured that my SSN had been alerted to avoid any new accounts to be opened. No additional correspondence was received. 

On XX/XX/XXXX I was notified by XXXX XXXX that I had a new collection account on my XXXX report, regarding XXXX service,  submitted to XXXX XXXX XXXX. I reached out to ERC and spoke with XXXX, I confirmed that this was the SAME XXXX account that had been sent to the other collection agency ( XXXX ). I reached out to XXXX twice but both times was directed to someone that spoke broken XXXX and was neither willing or interested in addressing my concerns. XXXX should not have extended credit with my fraud alerts having been placed, and are now using ANOTHER collection agency to collect a debt I do not owe. I submitted all of the requested documentation, yet they continue to harass. My credit score has dropped 18 point because of this! XXXX should be held accountable for allowing an account to be opened with an active fraud alert in place AND for sending the account to not 1, but 2 collection agencies!
Product: Debt collection

STARTED AND ATTACHED AN ASSESSMENT ON TAX BILL FOR WORK NOT APPROVED OR COMPLETED, NEVER SIGNED ANY CONTRACT AND COMPANY RECORDED CONTRACT NOT SIGNED. XXXX XXXX AND HAVE BEEN FIGHTING SINCE 2017 HAVE FILED SEVERAL COMPLAINTS WITH STATE AND COUNTY TO NO AVAIL. WAY TOO MANY FORMS TO INCLUDE. BUT ALL PAPERS FILED WITH STATE MORE THAN 3 TIMES COUNTY PERFORMED NO INSPECTIONS BUT STILL APPROVED BUILDING INSPECTIONS EVEN THOUGH PERMITS EXPIRED OVER A YEAR. AND I HAVE BEEN COMPLAINING SINCE DAY 1. ROOF HAS BEEN LEAKING ENTIRE TIME AND BLACK MOLD THROUGHOUT HOUSE SINCE JOB STARTED, PUT NEW ROOF OVER OLD ONE WITHOUT REMOVEING. HAVE NOW LOST HOUSE OVER IMPROPER ASSESSMENTS THAT I WAS UNABLE TO PAY. NEVER SHOULD HAVE BEEN PLACED IN FIRST PLACE. I HAVE NEARLY 200 PAGES TO PROVE MY CASE BUT NOONE WILL REVIEW
Product: Credit reporting or other personal consumer reports

I'm filing this complaint on Equifax because they mailed me a stall tactic computer generated letter, which I have attached to this complaint, telling me that my information that I provided as proof of identity did not match the information you have on file, which is clearly erroneous the name you have on file is the same name that I provided to you with my utility bill and passport ID. You were advised by me there was inaccurate information reporting on my consumer report account name, XXXX XXXX XXXX, account number XXXX, I also wrote a letter to Equifax via mail on XXXX XXXXXXXX XXXX certified mail ( XXXX XXXX XXXX XXXX XXXX ) with account name : XXXX XXXX XXXX account number : XXXX it came back as verified, when there is clearly inaccurate information reporting, which lead me to believe this account was not properly reinvestigated. Your delay is illegal and is in violation of the FCRA and I can and will sue Equifax for stalling my dispute process. In my previous complaint I requested this account to be updated as paid as agreed never late. Please reflect on my previous complaint made to the CFPB on XXXX, which I will attach the complaint. If you fail to update my complaint you will leave me no choice but to forward it to my attorney for litigation. Need I remind you of the case of XXXX XXXX v. Equifax, she was awarded XXXX XXXX in damages, XXXX XXXX in punitive damages and XXXX in compensatory damages. I am requesting that you continue forward with my original reinvestigation request and send the results to me within 15 days.
Product: Credit reporting or other personal consumer reports

Hard Inquiries that are on my credit report. I am trying to remove them as I did not authorize the companies to run my credit report with Equifax, XXXX, and XXXX. I already file an FTC report.
Product: Mortgage

I went to apply for a XXXX. In doing so they promised they would get me the lowest rate etc and that once I put down a deposit I would get an appraisal and be ready to close. I brought it to their attention multiple times that the estimated property value was incorrect. The assured me it would be changed and it wouldn't affect anything. During this time I had transferred cash from savings for closing and in doing so I was hit with fees. After talking with multiple people, I learned that the evaluation of my property at XXXX XXXX would be an issue. If I didn't catch this, I would have put down the deposit and once appraised my appraisal would have come in way under that and my XXXX agreement would have changed drastically. Once I made it a point that I needed these numbers changed, they were very slow and hesitant to get me the numbers right away but insisted on continuing the process. On top of all this once I spoke to someone that was in charge, he told me they'd review the recorded conversation. When I emailed him back, it was forwarded to the supervisor that advised me that the estimated property appraisal didn't matter and he reached out to me. This was very unprofessional as the complaint was about him.
Product: Credit reporting or other personal consumer reports

I recently discovered that five credit lines were opened in my name without my authorization. Instead of going through a lengthy dispute process, I chose to pay off these accounts immediately upon finding out about them, as they were impacting my credit report. The accounts were opened only a few months apart from each other, which raises concerns about their legitimacy. Given the circumstances surrounding the unauthorized activity, I am requesting that these accounts be deleted from my credit report. Thank you for considering my appeal.