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

I sent my letter off on - .I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter i sent out and here is the Proof According to the FRCA The Term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these account are still not reporting 100 % Accurate. And according to the FRCA 15 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

List of 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ),
Product: Mortgage

In XXXX 2015 and XXXX 2015, I attempted to refinance my loan through the HARP program with my existing lender Nationstar ( under their Green Light XXXX ). When I called, I specifically stated that I was just coming out of a bankruptcy and wanted to know if that would hinder my chances. I 've had my loan for 8 years and never paid late. I was told no. I also asked if the LTV on my home would stop me from qualifying for a HARP refinance. Again, I was told no. My problem is the way my application was handled. Initially, it seemed like my refinance was going to happen. The closing coordinator said everything was going smoothly, and all I needed was employment verification. My impression was that after this was submitted, my loan would not be long in funding, but then I was told that their underwriting did not like me as a prospect. After that, I kept getting told different things. First I was told by the representative that the system did n't like my loan, and the people working my loan could n't get the system to accept it. Then it was that the underwriting department did n't like me as a loan prospect because of the bankruptcy even though I was told my credit and income were not the issue. Part of the problem was that my loan with Nationstar had n't been reaffirmed after bankruptcy and that I should try to find out if I could get it reaffirmed. I called Nationstar and was told there was no need to reaffirm my loan and that it was being reported to the bureaus. After I told XXXX XXXX that, he said it was a problem with the system and to try back XXXX XXXX. I called back XXXX XXXX and my application was flat out denied. Again, because their underwriting department had problems with my bankruptcy. What does n't make sense is that the reason for denial on their letter was " value or type of collateral is not sufficient, '' even though Nationstar 's website states that they have no underwater limits on HARP refinances. I need someone to get a truthful answer as to why I was denied when I seemed to meet the requirements initially. I still have a lot of my documentation and e-mails that I can provide. Thank you.
Product: Student loan

XXXX XXXX XXXX can not find my payments for : XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} I have sent numerous letters year after year after the start of the loan repayment asking for receipts, confirmation for payments, left messages, no one returned my calls or letters. There is no online capability to make payments, so there is no possibility to track electronically. All payments have been made my mail with a check. I have tracked some of these payments with check numbers. I finally was able to communicate with someone with XXXX a few yrs ago. I found out we were not on the same page of payments made. I found out their address had changed when I received a return mailed check, no one had told me their address had changed and I had to research how to get a hold of someone there. When asking my bank for proof of payments, they told me they destroy all bank transactions that are older than XXXX yrs old. XXXX does not have any proof of transactions either. My payments are divided into XXXX different accounts when received for deposit. It also takes a long time for them to get deposited. I do not receive any confirmation, and was told I never will receive any kind of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality inder 15 USC 1681. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : Acct # XXXX, XXXX. XXXX XXXX : Acct # XXXX, XXXX  XXXX NJ XXXX XXXX Reference # XXXX, XXXX XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX : Acct # XXXX. 

XXXX5 U.S.C 1681 section 602 A. Section 2 : Its also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I purchased a new Toyota vehicle in XXXX of 2017 from a Toyota dealership. The vehicle is financed through Toyota Financial Services ( TFS ). Each month I send in approximately {$40.00} extra. I have had numerous conversations with different TFS representatives where I indicated to them that the extra money sent in each month with the payment is to only be applied to principal. TFS continually applies the extra money that I send in to future payments. This in no way benefits me, the consumer. I was told several days ago by a TFS representative that she was going to reapply the extra money I sent in since the loan origination to the principal and provide me with a new loan balance. Today, I received an email with the same erroneous balance and the extra payments advancing the next payment due date to XXXX. Can the CFPB please assist me?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint against Equifax and they say that they are reinvestigating info on my report and they are not. Hence the info attached that was provided to me by the company they are reporting differently than what the company is saying they should. XXXX does not have a balance and they updated my report today with a balance ( Equifax ) several of my accounts are showing a payment history and per my attorney in my bankruptcy they have no right to any longer report historical data and i have addressed this several times in my report the investigations are false and so are the reinvestigations and they need to remove these accounts from my report being that they have not done what they were suppose to do they have no right to report incorrect information on my report or information that I am protected against in my bankruptcy The proof attached shows you and them that they are not reinvestigating they see updating their records through info they previously obtained
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law XXXXFailure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
XXXXFailure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within XXXX  days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
XXXX.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : XXXXConduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
2.Provide a comprehensive written explanation detailing your investigation process and results. 
XXXXPermanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the XXXX for this account : XXXX XXXX XXXX
Product: Debt collection

I continue to receive notices with an increasing level of hostility from Richard Sokoloff Attorney at Law XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, NY XXXX. Concerning a medical bill for XXXX and XXXX XXXX XXXX in the amount of {$370.00}. This bill was paid directly to the provider XXXX and XXXX on XXXX XXXX, 2016 in full. 
On several occasions, after receiving letters demanding payment, I have called the above office and have informed them that this bill has been paid and I owe the doctor nothing. Today when I again called this attorney to inform them that I had already paid the bill and that they should stop harassing me, a XXXX XXXX told me I had to submit proof that I have paid the bill or they will not stop. 
I responded that it 's their job to make sure they have accurate information before calling and sending letters of demand. XXXX XXXX proceeded to yell at me, told me it 's my job to prove I 've paid the bill and then she hung up on me. 
I find it unreasonable for this attorney to continue to harass me, for a bill that 's already been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts and credit hard inquiries listed on my XXXX, XXXX and Trans Union credit report are fraudulent, not mine and dont belong to me : XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$780.00}, XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$520.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening telephone calls of profane language, XXXX threats, threats of legal action, being arrested and going to jail and prison from XXXX XXXX XXXX representatives for over 1 year for the fraudulent XXXX XXXX XXXX credit card accounts. XXXX XXXX XXXX is in clear violation of The Fair Debt Collection Practices Act ( FDCPA ). The XXXX XXXX XXXX   credit card accounts and credit hard inquiries are all fraudulent, unauthorized and dont belong to me.
Product: Student loan

I got this call telling me about a student loan, that is under investigation, while I 'm already paying my loans with an creditor that I 'm using. They would n't listen to my response to not to call, and keep on with their business.
Product: Credit reporting, credit repair services, or other personal consumer reports

AROUND XX/XX/2021, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WAS A FRAUDULENT ACCOUNT REPORTING ON TO MY CREDIT REPORT. THE ACCOUNT IN QUESTION IS WITH XXXX XXXX. I HAVE ATTEMPTED TO CONTACT THEM MULTIPLE TIMES TO REQUEST INFORMATION FOR THIS FRAUDULENT ACCOUNT. I HAVE FILLED OUT NUMEROUS DOCUMENT IN ATTEMPT TO GET THIS INFORMATION REMOVED YET THEY CONTINUE TO REPORT THE FRAUDULENT INFORMATION TO ALL THREE CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE ME INFORMATION PROVING THIS FACT. AT THIS POINT THEY HAVE STOPPED RESPONDING TO MY EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. I HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS ME AS A CONSUMER TO REQUEST COPIES OF MY CREDIT REPORT AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I noticed multiple unauthorized inquiries on my credit report I did not authorize due to the fact my wallet was stolen and ID along with my SSN card was stolen. I called Experian credit reporting agencies today about XXXX as instructed to by my local police department crime report # XXXX and requested that the identity theft unauthorized inquiries be removed immediately and Experian only removed 2 of them so now I have to dispute unauthorized inquiries with the actual companies are such as follows : 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX- XX/XX/year> 3. XXXX XXXX XXXX XXXXXX/XX/year> Remove all unauthorized inquiries thank you for your understanding. Attached is a copy of my policy report for the identity theft report.
Product: Checking or savings account

On XX/XX/2021 I received a text from what was supposed to be Wells Fargo stating " WELLS FARGO BANK has an urgent message for you to receive a call about unauthorized transactions please reply Yes. '' I then went to my online banking and logged in to see that there was in fact a XXXX cent transaction on my account from a different state ( OK ) .... ( I live in TX ). After seeing that I actually had a fraudulent charge on my account I replied YES to the text. I then received a call from someone claiming to be XXXX XXXX with Wells Fargo and gave me a badge # XXXX. She told me that there had been ( XXXX ) seperate fraud attempts via zelle to my savings account ( XXXX for {$1000.00} and XXXX for {$2500.00} ) and she was going to walk me through how to reverse the charges. She knew every step on the Wells Fargo site. She did not ask me for any personal information but instead had me log into my account and then she walked me through steps to supposedly reverse the charges. Towards the end of the call I started to realize by something she said, that something didnt seem right about the call. I then left work and went across the street immediately to the Wells Fargo branch at XXXX XXXX XXXX XXXX TX XXXX and set down with a banker named XXXX XXXX ( XXXX XXXX ) Her phone number is XXXX and her email is XXXX. I told her what happened and she immediately closed my savings account and reopened me another one. We sat at her desk and were on hold for almost 45 mins to file a claim. I was given claim # XXXX and was told I would hear something back regarding the claim within 10 days. On XX/XX/2021 I called XXXX and was on hold for almost 2 hours. I was transferred XXXX different times to 5 different people to finally get told that my claim for {$3500.00} had been denied and there was nothing more they could do for me. I have been a customer of Wells Fargo for over 30 years and they did nothing at all to help me recover the fraudulent {$3500.00}.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$58000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the charge off that appears on my credit report, which I believe to be inaccurate and incomplete. According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), I am entitled to request that the credit reporting agency investigate and correct any inaccurate or incomplete information on my credit report.

Specifically, I am disputing the accuracy of the charge off that appears on my credit report, which is a violation of the FCRA 623 ( a ) ( 2 ). The charge off was reported by XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX for an amount of {$1300.00} or {$0.00} I'm unsure? Date of Charge Off is unknown because does not show on credit report. Date of last payment says XX/XX/2022 but shows no payment history. However, I believe that this information is inaccurate and incomplete, which is a violation of the FCRA 623 ( a ) ( 1 ).

In accordance with the FCRA 611 ( a ) ( 5 ) ( A ), I have enclosed copies of my credit report to support my dispute. I request that you investigate my dispute and, if you find that the information is inaccurate or incomplete, correct or delete the information in accordance with the FCRA 611 ( a ) ( 1 ) ( A ).

Please send me a written response to this dispute within 30 days of receipt of this letter, as required by the FCRA 611 ( a ) ( 2 ) ( A ). If you are unable to complete the investigation within 30 days, please provide me with an explanation of the delay and an estimated completion date, as required by the FCRA 611 ( a ) ( 2 ) ( B ).

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

XXXX Comenity Bank account has been closed since XXXX. They have been reporting on my Experian, XXXX for XXXX years. When I contacted the credit bureaus they advised me that this account will be reporting for an additional 10 years.
Product: Credit card or prepaid card

Reached out to CCBXXXX and they advised me that they will investigate the claim and will be in contact with the credit bureau XXXX The account is fraud and now they sold it to a debt collector without corresponding with me so I can receive the information. The account information is below : XXXX {$3200.00}
Product: Debt collection

Someone called me about serving me papers for a HSBC credit card they claimed was opened in XXXX and put into collection in XXXX. They said they were going to serve me at an address that is not mine. An address they said was associated with my social security. that address belongs to my son and his mother and that has never been associated with me other than sending my son gifts through XXXX. I can not be associated with that address as I do not live there, ever. 
The number that called me is XXXX XXXX XXXX and they never disclosed the name of the law firm, but where very bullying with me whilst I tried to have a dialog with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by XXXX XXXX of a fraudulent application submitted with his information without his consent. An inquiry was generated into his XXXX  credit report XX/XX/2018 related to the fraudulent application.a formal dispute of that information was mailed certified with return receipt to XXXX XXXX XX/XX/2018. As of this date XXXX XXXX has failed to reply to the outcome of the investigation, this activity is a violation of the FCRA and my clients federal consumer rights. 
In addition to the fraudulent XXXX XXXX attempt ; the fraudster was successful in establishing a phone account with XXXX ; that account fell into collections with XXXX XXXX. A formal dispute was provided to them XX/XX/2018 concerning this issue of fraud and as of this date no reply concerning the investigation has been received, this is a violation of FDCPA, FCRA and my clients consumer rights.