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

: Subject : Failure to Process My Dispute Despite Providing Required Documentation Dear XXXX, I am writing to express my frustration with your continued failure to process my dispute and investigate inaccuracies on my credit file, despite having submitted the required documentation multiple times. 

I have already provided the following information on numerous occasions, as requested : My full name and any former names. 
My current address and previous addresses ( if applicable ). 
My date of birth. 
Documentation verifying my identity, including a copy of my government-issued ID and proof of address ( e.g., utility bill and/or pay stub ). 

Despite my compliance, I continue to receive generic responses asking for the same documents, with no resolution or updates regarding my dispute. This repeated failure to process my request and verify my identity is not only unacceptable but also a violation of your obligations under the Fair Credit Reporting Act ( FCRA ). 

Please take immediate action to resolve this matter by : XXXX. Processing my dispute promptly. 
XXXX. Conducting a thorough investigation into the inaccuracies on my credit report. 
XXXX. Providing a clear explanation for the delays and why my previous submissions were not accepted. 

If this issue is not addressed promptly, I will have no choice but to escalate the matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. 

I expect a timely resolution to this matter. Please confirm receipt of this communication and provide an update on the status of my dispute. 
Fraudulent paycheck stubs were used without my consent or knowledge making this charge off account and loan amount voided and unenforceable Sincerely, XXXX XXXX You can customize this letter further if needed, adding more specifics about your situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX,

has violated my rights. 15 USC 1681 Section 604 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Checking or savings account

PNC does not allow me to link my account directly to investment accounts using XXXX.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding fraudulent reporting of an account on my XXXX, Experian, and XXXX credit reports by XXXX XXXX XXXX. Upon scrutinizing my credit reports, I discovered an erroneous listing of an account attributed to XXXX XXXX XXXX that does not pertain to me. This inaccurate reporting not only damages my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Under the stipulations of 18 USC 8, I affirm that I do not owe any debt to XXXX XXXX XXXX. Therefore, the inclusion of this account on my credit reports is not only unjust but also illegal according to federal law. I raise doubts about the validity of their claim and demand immediate removal of this erroneous information from my credit reports to rectify the harm inflicted upon my creditworthiness and reputation. 

I expect prompt action to address this issue and restore the accuracy and integrity of my credit reports. Failure to do so will compel me to escalate this matter to the appropriate regulatory authorities and legal entities. I implore you to treat this matter with the seriousness it deserves and to address it promptly. 

Kindly acknowledge receipt of this complaint and provide a timeline for resolution. You may contact me using the information provided below. Thank you for your prompt attention to this matter. 

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

Your unauthorized derogatory rating has directly caused loan denials and increased interest rates across my credit accounts. This constitutes actual damages under federal law. You must immediately delete and block these negative marks from all three consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear XXXX, Equifax, XXXX I am writing to formally dispute inaccurate information on my credit report, which I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and request a thorough investigation into these inaccuracies as mandated by federal law. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers effectively about the results of investigations. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my disputes may be handled in a similar manner. 

Under the FCRA, you are required to conduct a proper investigation in a clear and comprehensive manner. Please review the inaccurate information being reported on my credit report. 

If the disputed information is verified as accurate, I request that you provide me with any documentation you rely on for such verification. If you find the information to be inaccurate, I request its immediate removal or correction from my credit report. Furthermore, I request written confirmation of the actions you take in response to this dispute. 

Failure to resolve this matter appropriately may leave me no choice but to escalate the issue with the CFPB and other appropriate agencies. 

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

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have my account setup on AutoPay for the minimum balance. On XX/XX/XXXX I incurred a {$2.00} minimum interest charge. I was appalled. I contacted PayPal customer service who refused to wave the {$2.00} interest as a courtesy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported for this particular account: XXXX XXXX XXXX The account was never past due, i never made a late payment to this company ever please change this , i have a good relationship with this company.
Product: Student loan

Navient purchased some of my student loans from different lenders. I lost my job and needed to apply for income based repayment plan. XXXX of the loans that they purchased is was paid ahead. XXXX of my loans are currently on XXXX with them and they continue to send me bills and statements and charging fees and the reason they say is XXXX my loan is paid ahead. I can not help that my loan was paid ahead when they purchased it and they can not # XXXX put it on income based repayment for me # XXXX explain to me why I a getting a bill if it is paid ahead. I have been told by them several times that it 's a " computer glitch ''
Product: Credit reporting or other personal consumer reports

I tired to get access to my account after i disputed the accuracy of the data. They sent me my pin to access the account but it was invalid. 

They sent me the pin on XX/XX/year> but when I tried to access the account the PIN they provided to log into my report was invalid. I called in and they issues another PIN. I never received another PIN
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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: Credit card

I was asked to sign an application for CARE CREDIT without any verbal explanation from the credit card company or the doctor 's office. I was not given advanced knowledge or details of this debt until after the services began. I was never contacted by CARE CREDIT about my ability to take on this debt. After 30 days I was told that they had closed my previous claim without ever trying to contact me in person. I feel like this is a case of fraud against an elderly person and I wish to continue my complaint against them. I will try to hire an attorney to seek their help. This case is not CLOSED in my mind. The office person who signed me up with CARE CREDIT no longer works in their office and I am not able to reach him. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX XXXX XXXXXXXX, pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting or other personal consumer reports

As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute.

Your lack of proper investigation and continued inaction is also a violation of this provision. In XXXX v. XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. 2001 ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. Given your ongoing noncompliance, you are liable for damages caused by the continued inaccurate reporting. If these errors are not corrected within the next 15 days, I will have no choice but to invoice you for damages of {$1000.00} due to your continued failure to comply with the FCRA. 

" SEE ATTACHED DISPUTES ''
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I reached out to Experian credit reporting agency to have a account that was more than XXXX years old deleted based on the FCRA credit rules this is something that supposed to happen automatically. XXXX and XXXX have remove this account from my credit report. I made the dispute with Experian instead of them deleting the item they put new information that made the account more current which is illegal. As you can see from the picture they were in a rush to update the file that they didnt even update the days that it was past due correctly, this is illegal. Please find the attached picture from XXXX and XXXX confirming this account has been deleted based on FCRA
Product: Checking or savings account

A block was put on my account ; apparently, when I went to change the password as instructed, the app either didn't recognize it ( because I changed the password ), or something else created an issue. I was told that, because I moved out of state, any activity could have triggered an alert which may have blocked my account. The problem is that the phone lines that were offered to me to resolve the issue are either not working or someone forgot to do something while using the phone system, which wreaked haavoc when trying to contact anyone in the fraud department. I was given several phone numbers to try ; each had the same message : 'due to unforeseen circumstances, we are unable to take your call at this time. Please try your call again later. ' This outgoing message has been going on for DAYS ... now, I am unable to pick up my prescription, and as a high risk for XXXX patient, I think that this unforseen circumstance could have been better handled and forseen by the bank administrators. I had to speak with an unruly bank representative and called her back ; she hung up because she didn't have anyone there to help, and my personal banker was with another customer in a meeting. I was finally able to reach my personal banker, but all the numbers she offered had the same outgoing message.
Product: Debt collection

Revco Solutions Inc originally XXXX XXXX XXXX XXXX opened as of XX/XX/22, and was reported on my credit report on XX/XX/22 in the amount of {$680.00}. I have no knowledge of this debt and it does not belong to me.
Product: Mortgage

Freedom Mortgage has been aware since XXXX XXXX they owe me {$3100.00} from XXXX duplicate mortgage payments and has taken no steps to remedy the issue. 

In XXXX or XXXX XXXX, my mortgage was sold to Freedom Mortgage. My automatic payment for my previous mortgage company was no longer valid, so I called to make a payment, then attempt to set up automatic payments. My first attempt at setting up their automatic payment was unsuccessful, and I never received confirmation that the automatic payment process went through. Both my XXXX and XXXX mortgage payments were one-time payments. In XXXX, I set up automatic payment for my mortgage through my bank because I was unable to do so through Freedom Mortage 's website. The only correspondence I received from Freedom Mortgage in XXXX XXXX was three emails on XXXX/XXXX/XXXX through their " Secure Email Center '' with a password reset. 

In XXXX XXXX, Freedom Mortgage began deducting my payment from my bank account. Again, I had received NO confirmation that any auto payment was set through Freedom Mortgage, so the automatic payment established through my checking account on XXXX/XXXX/XXXX ( and for which I have an email confirming its setup ) was also sending monthly mortgage payments to Freedom Mortgage. 

In XXXX XXXX, I discovered the duplicate monthly payments and contacted Freedom Mortgage. I was instructed to email with proof of duplicate payments, which I did on XXXX/XXXX/XXXX with a screenshot of my bank statement from XXXX-XXXX. I did not receive a response from the company acknowledging my email or a confirmation the email was received. 

I contacted Freedom Mortgage today, nearly 1 month later, and was told " they never received my email, '' " they would escalate my request, '' and they " attempted to call me on XXXX/XXXX/XXXX to follow up on my issue, but could not leave a voicemail because the mailbox was full. '' This is a false statement ; I did not receive a call from them on XXXX/XXXX/XXXX, and my voicemail box has not been full. They have not made any attempt to correct this issue. 

It is appalling to me that a financial institution can enact automatic payments without sending proof or confirmation of doing so. It is also egregious that emails sent to their customer care department, particularly concerning an escalated issue, go unanswered. This company has no regard for its customers, and its customers have no recourse other than refinancing to avoid working with this company. 

{$3100.00} ( {$1000.00} x 3 months ) has been out of my bank account from XXXX, XXXX, and XXXX XXXX -- this money has not been available to me ; Freedom Mortgage has had access to my money and has accrued interest on my money, without authority to do so. 

I would like my funds, plus interest, returned IMMEDIATELY to my checking account. I also urge an investigation of Freedom Mortgage 's customer correspondence practices and its process for establishing automatic withdrawals from customer accounts without sending correspondence confirming this action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX -or- Experian XXXX XXXX XXXX  XXXX XXXX, TX XXXX -or- XXXX  Fraud Victim Assistance Department XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX  {$940.00} XXXX  {$1500.00} XXXX UNIVERSITY {$730.00} XXXX {$11000.00} XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX {$460.00} XXXX XXXX BANK XXXX {$0.00} XXXX XXXX {$780.00} XXXX XXXX  {$780.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B
Product: Debt collection

To : CHOICE RECOVERY/ XXXX  Florida XXXX YOU ARE BREAKING THE LAW! 

This is a warning notice to the alleged wrongdoer of such debt : which you are a debt collector because you are simply attempting to collect a debt. Well multiple alleged debts. I noticed I have been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ). There is evidence of the use of abusive, deceptive and unfair debt collection practices. 

Until you can provide me with documentation stating that I gave you my authorization and request to release my personal and medical information/records, I demand that you block and cease collections on the following accounts from my consumer report. 

-Choice Recovery Inc XXXX ** {$120.00} These violations have caused numerous injuries to my life. Under the Health Insurance Portability Accountability Act of 1996 ( HIPAA ), I reserve the right to private, personal and medical records from all third party reporting agencies and collection agencies. 

According to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and I am demanding all of the following : Provide proof of a contract between ChoiceRecovery and I Stop all negative reporting activity to all consumer reporting agencies Remove and block all negative reporting activity XXXX out balance Remove any late payment reports I Need a Full audit trail For each violation I would like to be compensated {$1000.00} You are civilly liable. If I dont receive a response that will result in additional violation to the FDCPA. 

This letter is a request for validation and remedy for violations continuing to report this medical debt without properly validating and providing me proof of permission is a validation of the FCRA ( Fair Credit Reporting Act ). 

You have 15 days to respond to this request or this alleged debt will be considered invalid and the demand for removal from reporting to the credit reporting agencies will be required! 

Best regards : Done in good faith. Without prejudice. All natural inalienable rights reserved. 
XXXX : XXXX