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

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report and to bring to your attention XXXX repeated failure to conduct a proper investigation into my concerns. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I have attempted to rectify this matter with Equifax five times, specifically regarding the XXXX XXXX XXXX account. Each time, they have returned the same response, failing to address the inaccuracies. Most recently, I submitted my fifth claim, and Equifax responded within hours on the same day, providing the same outcome as before. 

This raises significant concerns about the methods Equifax is using to verify and investigate disputes. I have clearly communicated that the information on the XXXX XXXX XXXX account is inaccurate and incomplete. Furthermore, it does not match the data reported by other credit bureaus, and my supporting documentation demonstrates these discrepancies. 

I hereby request that CFPB : 1. Conduct a thorough reinvestigation of the disputed account, XXXX XXXX XXXX, and provide details on the methods used to verify this information. 
2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Equifax to handle this dispute with the utmost seriousness and compliance with legal standards. A copy any relevant supporting documents, including all five claims I have submitted to Equifax, are enclosed to facilitate your investigation. 

If Equifax fails to comply with its obligations under the FCRA, I will not hesitate to pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Debt collection

I filed an identity thief report and i submitted it to the company, spoke to several different representatives and i still havent seen any results. 

date filed : XX/XX/2022 amount : {$1100.00} / {$940.00} i believe that CAPITAL ONE should remove the negative items off of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mountainland collections reported to XXXX 2 different account # s for multiple accounts resulting in double accounts on report for at least 7 yrs. Also not reporting and marking accounts as paid from a year or more pryer. Making it difficult to support my kids and only being able to make barely enough to scrape by and get deeper in debt. Could've been making over 4 as much in my profession but still can't cause what they have done to credit.
Product: Credit reporting or other personal consumer reports

I don't recognize these addresses, please remove from my credit report 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: Credit reporting

Today, XXXX/XXXX/2016, at about XXXX XXXX, I opened an account with TransUnion - mysmartmove.com - and used the service to evaluate a potential renter. shortly after completing the on-line process, I started getting a repeated automated email that has continued all afternoon and even now is sending to my email. I told the customer service people at the contact number, twice that I was getting unwanted repetitive emails and I sent them emails through their " contact us '' email. I just got XXXX more of these harassing emails. This is part of the email : From Subject Received Size Categories TransUnion SmartMove Recommendation ready for SmartMove Application # XXXX XXXX XXXX XXXX PLEASE. I do n't want these emails and I ca n't get anyone to stop them. XXXX XXXX - XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against LVNV, XXXX XXXX XXXX, XXXX for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

The auto loan was started XX/XX/XXXX the auto was totaled in XXXX XXXX in XX/XX/XXXX payments were made XXXX a month for XXXX months to XXXX during the time of having truck - XXXX XXXX and XXXX {$24000.00} ( waiting on statement from XXXX XXXX on the loan to XXXX and I also did not get refunded for all the warranty side purchase on the loan of XXXX for a service contract service contract XXXX for theft protection. I verified with XXXX that this extra warranty purchase on the truck was refunded to XXXX with my salesman XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX. XXXX was paid more during the 6 months I had the truck than the original loan amount on XX/XX/XXXX. There is no prepayment penalty for my loan verify with consumer XXXX is paid in full and Im waiting on reimbursement on my warranty that they took on the loan provided by XXXX and the during of six months considering the loan was only XXXX and theyre still trying to get XXXX from me.
Product: Credit card

Originally, on XX/XX/XXXX, I purchased {$180.00} of shirts from an online retailer using my Synchrony Bank XXXX XXXX. Upon receiving the shirts, one of them was not the size I ordered. I attempted to contact the merchant and did not receive a response. 

I filed a dispute on XX/XX/XXXX for the amount of the wrong size shirt with shipping of {$91.00} with my credit card Company, Synchrony Bank XXXX XXXX, and they provided me with a temporary credit of {$91.00}. 

On XX/XX/XXXX, XXXX credit card company levied and adjustment of {$91.00} on my credit card. I called the credit card company multiple times and they claimed to have provided me with two credits of {$91.00} and took one of the credits back. However, on my billing statement, I am only seeing one credit that was taken away without any answer to the status of my dispute. 

They also told me the investigations team would call me back and I received no answer. 

I then received an email from XXXX stating they can't complete the dispute investigation case ID XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally complain regarding unauthorized credit inquiries and identity theft that have severely impacted my credit report and financial standing. 

Unauthorized Credit Inquiries : On obtaining a copy of my credit report, I observed an unauthorized credit inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not consent to this inquiry nor authorize any entity to access my credit report for this purpose. These inquiries are incorrect, unverified, and unauthorized. They are negatively impacting my credit score and loan applications.

I request that this inquiry be investigated and removed from my credit report immediately, as it does not have a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I have been a victim of identity theft resulting from a data breach compromising my Social Security number. To address this, I have filed an FTC Report, a copy of which is enclosed with this correspondence. Under 15 USC 1681c-2 ( a ), you are required to block and remove all information associated with this identity theft from my credit report within four business days of receiving this complaint. 

Details of Unauthorized 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  These accounts have been reported without my written consent, violating 15 U.S. Code 1681b. As such, they must be immediately removed from my credit report.

Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation under 15 U.S. Code 1681o - Civil liability for negligent non-compliance Violation under 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failure to comply with 15 USC 1692 ( g ) Violation under 15 U.S. Code 1681b - Permissible purposes of consumer reports Violation under 15 U.S.C. 1681i ( 7 ) - Method of verification Violation under 15 USC 1681a ( 4 ) - Right to privacy Violation under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I demand immediate action to block and remove these fraudulent accounts and inquiries from my credit report. Should you find any authorization that was supposedly obtained for these inquiries, please provide such documentation promptly. Failure to comply will result in me seeking monetary damages through small claims court. This complaint has been shared with the Attorney General 's Office, the XXXX XXXX XXXX, and the Federal Trade Commission. 

Please acknowledge receipt of this complaint and provide a timeline for its resolution. Your prompt attention to this matter is greatly appreciated.
Product: Debt collection

My credit report showed a collection debt. I emailed the collection company on XX/XX/XXXX asking for the records to prove I had these services. I received an email on XX/XX/XXXX with only invoices attached. I told them I wanted the medical records to show I had the services and XXXX XXXX at Central Portofolio told me to contact my insurance company that they should have the records. I also called the the facility where it said I had the services and they said my records could not be found.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

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: Money transfer, virtual currency, or money service

On XX/XX/2021, I canceled a transaction With World Remit in the amount of {$740.00}. They refunded that amount but they took it again on the same day on XX/XX/2021. I called my bank in XXXX XXXX XXXX  to complain about it but did not take action on it so I called The World Remit where I canceled the transaction stating that they are going to conduct an investigation but I knew they or I got a feeling that they are not going to do it so I will forget after that. Please help me get my money back from World Remit. Thank you in advance XXXX XXXX XXXX, XXXX. 
XXXX cell
Product: Credit reporting or other personal consumer reports

Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary XXXX, and I urge you to promptly rectify the situation by updating my records accordingly.
Product: Debt collection

This letter serves as a formal demand that XXXX XXXXXXXX immediately cease and desist all collection efforts and communications regarding the above-referenced account ( # XXXX ). 

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I am exercising my right to request that you cease all contact with me regarding this matter. This includes, but is not limited to : Phone calls ( to my home, work, or mobile ) Letters or written correspondence Emails or text messages Any further attempts to collect this alleged debt Furthermore, I have previously requested validation of this debt under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g, yet you have continued reporting inaccurate and unverifiable information to the credit bureaus, damaging my creditworthiness. This is a willful violation of federal law, and I intend to take legal action. 

Intent to Sue If XXXX XXXX does not immediately : Cease all collection activities, Remove any inaccurate or unverified information from my credit report, and Provide written verification of the debt with all supporting documents, I will have no choice but to proceed with a lawsuit against you for : Willful and negligent violations of the FCRA and FDCPA Knowingly reporting inaccurate information to the credit bureaus Failure to validate the debt upon request Emotional distress and financial harm caused by your actions I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) , the Federal Trade Commission ( FTC ) , and my states Attorney Generals Office. Additionally, I will pursue legal action in small claims court or federal court for statutory damages, attorney fees, and punitive damages for your violations. 

Please provide written confirmation that you have received this request and that you will immediately comply by ceasing all collection activities and correcting the inaccurate reporting. If you choose not to comply, be advised that I am fully prepared to take legal action without further notice. 

This letter serves as my final warning before legal proceedings begin. I expect full compliance under federal and state law.
Product: Debt collection

I am being contacted at my place of employment after I have asked not to be. I offered a payment arrangement that was suitable to me and was laughed at and told " absolutely not ''. I was told that I needed to get a co singer to get a loan or sell something or take money from my XXXX to pay them. The representative kept using my occupation against me " you 're a supervisor then you should know this is irresponsible ''. After stating that I needed to get off the phone because I was at work I was told " you have to call me back today before XXXX, I know you get a break and a lunch ''. I replied that I had to run errands on my lunch and their reply was " they 're not more important than this matter '' an I said actually I have to pay bills on my lunch so yes they are, the reply I received was " I do n't care about your other bills ''. I was also told that there was an attorney present in their office numerous times which I 'm not sure what this had to do with.
Product: Bank account or service

Umpqua Bank shut off the debit card that belonged to the joint on my account for no reason. The local branch said it was because he had n't used it in 6 months. This account is over 20 years old and has thousands of dollars in it, has never been anything other than in good standing. This account started with Sterling Savings at least 20 years ago when I worked their, they never did anything like this. Typically joints are on the account for the just in case and I had such a case come up and that is when he found out his card was no longer good. Luckily, the joint was not traveling because they would have just left him stranded. I did not get any notice of this, the disclosure does say that they can take a card for no reason, but I have been in the banking industry for years and this is done for account abuse. If this process continues the joint will need a card every 6 months, so really they are n't thinking to clear as the cost of the cards do add up. 
You do n't have a correct issue on the bottom that best describes my issue. 
Thank you! 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in XXXX XXXX in XX/XX/XXXX with XXXX XXXX XXXX Bank of America , N.A. has stated in credit report that I am delinquent XX/XX/XXXX and XX/XX/XXXX. I called them this morning ( XX/XX/XXXX ). They stated problem has been closed and paid in full. I want my credit report to state as so.
Product: Mortgage

I refinanced our mortgage through the Money Source ( Loan # XXXX ) in XXXX of last year. Just after closing I received a notice from the county tax assessor ( XXXX, CA ) that our property taxes were overdue. I contacted The Money Source and they paid the taxes but did not make an adjustment to my escrow account. It seems they did not anticipate making that payment which should have been part of closing. 
A year later they are telling me that I'm short {$6300.00} in my escrow account. They have never once notified me about the issue. The only notice I received from them ( XX/XX/2021 ), was an email that stated an escrow audit had been conducted on my account and that " I may have a refund ''. I did not. ( See Attachments ) I have called the Money Source several times to get to the bottom of the issue to find out what they intended to do about it and what caused this issue but they don't seem to have any answers that pass the straight face test. They keep focusing in on my XXXX veteran 's deduction which would leave me a surplus or a refund if they were overpaying. I called and confirmed with the county assessor that there were no overpayments on my account. The Money Source to this point seems unable or unwilling to tell me what's going on. They have not even apologized! They are just going to start charging me an extra {$600.00} per month for a year to make up for it. In what world is this okay? I'm a XXXX vet with a VA loan. This shouldn't be happening period. 
This issue should have been handled in the closing of my loan and is now essentially an undisclosed closing cost charged a year after the fact. The additional concern is that these folks don't seem to know what they are doing. 

Also, I receive relentless sales calls from this company trying to get me to refinance again. I have asked them several times to stop and have blocked several numbers. This proves they have my phone number but can only seem to use it when they want to up sale me but not when there is something I may need to know like a {$600.00} per month increase to my mortgage. 

Please Help! 

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

I am disputing the response on my Kohls Case : XXXX CFPB Case No. : XXXX. 

Kohls responded stating that they verified that all of the personal information they have corresponds to me but the enclosed copies of the billing statements aren't even my name. The statements are addressed to " XXXX XXXX '' my name is XXXX XXXX and that is not my correct address.
Product: Credit reporting or other personal consumer reports

I sent the email on XX/XX/XXXX after I requested to email confirmation they received the payment {$160.00} on XX/XX/XXXX To : XXXX Cc : grace XXXX XXXX Subject : RE : [ XXXX ] XXXX : Confirmation and Receipt of your recent ACH Authorization To whom it concerns, I consistently paid on time until the " Today card '' company merged with XXXX XXXX. Unable to pay online, I provided my bank information over the phone to pay the minimum for XXXX. They promised to mail me the new card for registration on the XXXX XXXX website. Despite having XXXX existing XXXX XXXX credit cards, registering the Today card yielded no visible information upon login. Despite requesting statements, none arrived, and the new Today card never came. 
My credit report now falsely indicates a XXXX past-due status. After multiple calls, I paid {$33.00} on XX/XX/XXXX, following the automated phone system 's balance prompt. Subsequently, customer service demanded {$160.00}, which seemed erroneous. To safeguard my credit, I paid the disputed amount on XX/XX/XXXX. Despite a lengthy call in XXXX, customer service claimed no record. They said will mail the new card to me every time, but I received the letter said unable to send me a new card due to the current status on XX/XX/XXXX. 
Please see attached bank records : XXXX. XX/XX/XXXX, paid by phone with agent {$30.00} XXXX. XX/XX/XXXX, paid by phone with agent {$80.00} XXXX. XXXX XXXX XX/XX/XXXX paid by phone with phone system {$33.00} XXXX. XXXX XX/XX/XXXX paid by phone with agent {$160.00} Please correct my credit, thank you. 

XXXX XXXX XXXX XXXX To : XXXX Cc : grace XXXX XXXX Subject : RE : [ XXXX ] XXXX : Confirmation and Receipt of your recent ACH Authorization To whom it concerns, I consistently paid on time until the " Today card '' company merged with XXXX XXXX. Unable to pay online, I provided my bank information over the phone to pay the minimum for XXXX. They promised to mail me the new card for registration on the XXXX XXXX website. Despite having XXXX existing XXXX XXXX credit cards, registering the Today card yielded no visible information upon login. Despite requesting statements, none arrived, and the new Today card never came. 
My credit report now falsely indicates a XXXX past-due status. After multiple calls, I paid {$33.00} on XX/XX/XXXX, following the automated phone system 's balance prompt. Subsequently, customer service demanded {$160.00}, which seemed erroneous. To safeguard my credit, I paid the disputed amount on XX/XX/XXXX. Despite a lengthy call in XXXX, customer service claimed no record. 
Please see attached bank records : XXXX. XX/XX/XXXX, paid by phone with agent {$30.00} XXXX. XX/XX/XXXX, paid by phone with agent {$80.00} XXXX. XXXX XXXX XX/XX/XXXX paid by phone with phone system {$33.00} XXXX. XXXX XX/XX/XXXX paid by phone with agent {$160.00} Please correct my credit, thank you. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed an account with the following collection agency Portfolio Recovery- I am not sure what the debt is for because 1 credit bureaus says its for XXXX XXXX and another says XXXX XXXX  non the less I have never opened an account with either company. I am a XXXX and not only do I share the same name with my dad, I also share it with 2 uncles and a cousin. I want the improperly placed account removed from my credit
Product: Credit reporting or other personal consumer reports

I noticed there are XXXX inquiries on my report not attached to any account I have not been looking for a vehicle or in the market to buying a house