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

his 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 1.Failure 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, you
r agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure 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 30 days. To date, I have received no such communication. Thi
s complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.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 XXXX 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 dema
nd the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently 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. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Talked to my mother about my debt. Told her they will have me put in jail. This is from XXXX they sold the debt to a thrid party. Call after call threat after theart.
Product: Debt collection

The date that this loan was established was in XXXX. The date that they are reporting as in XXXX that the account was opened, which is incorrect. Im requesting them the dates to reflect when the loan was actually taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruad Accounts Appearing on Credit Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this inquires before with TransUnion. I don't recognize this inquires. 
The list of unknown inquires are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX They sent me a letter that they are correct and accurate but I did not received any proof of them. I do have a personal statement on file, I was never notified when this inquires were pulled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is showing as an account that not only has a balance but that is still open and that it was included in a bankruptcy, which dropped my score XXXX points. 

I disputed it with experian as well as XXXX  around XX/XX/XXXX and its not changing. 

I spoke with XXXX XXXX on XX/XX/XXXX spoke with XXXX who said the account shows as a total loss in XXXX  computers thus there should be no more reports and account was reported as closed. 

XXXX claimed the dispute was finished on XX/XX/XXXX and didnt change the information. I contacted XXXX again on XX/XX/XXXX and spoke with XXXX who said again the account is closed as of XXXX with XXXX and yet credit bureau is reporting false information with the account still open as of XX/XX/XXXX. 

I have once again disbuted this with experian and XXXX and they are NOT FIXING THE INACCURACIES! They are ruining my credit score and doing nothing to fix the wrong information by saying its true when the company ( XXXX ) clearly shows different and correct information.
Product: Mortgage

Loandepot is the servicer of my VA loan. During the month of XXXX, I was notified that only " certified funds '' were accepted as a form of payment to the servicer. During the month of XXXX, I made a payment using my banks " XXXX XXXX '' service, which sends certified funds directly from the bank to the payee ( Loandepot ), the payment was accepted. 

However, during the month of XXXX, Loandepot returned the payment to the bank, which subsequently had to go through a process of depositing the certified funds back into my account taking a few days. I contacted Loandepot to and my bank to understand why the check was rejected. My bank stated that the payee ( Loandepot ) returned the payment back to my bank without a stated reason. Loandepot stated that they do no accept the certified funds method of " XXXX XXXX '', only Cashier 's Check and Money Order that had to be mailed in. As the deadline for payment approached, this was not a viable option, and I requested a quick resolution to either wire the money as a payment or ACH, or allow the bill pay service to go through. The representative from Loandepot said that was not allowed and would have to go " through a request '' which was subsequently denied, and I now have a late payment fee. 

This seems predatory given that they did not mention that " certified funds '' is a definition that is only limited to Cashiers Check 's or Money Orders. Certified funds are funds that are guaranteed and include services like bill pay. Their behavior may be breaching laws and regulations to their ambigious defintion of " certified funds ''.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are aably obligated for twofold the measure of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outtted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. 
Cc Consumer Financial Protection Bureau. Cc Attorneys General Oce. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} WXXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$12000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX  Balance : {$14000.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

The company EDfinancial Services shared my nonprivate information to 3rd parties without my knowledge or consent. Edfinancial is in violation of the Family and Educational Rights and Privacy Act ( Ferpa ) 20 USC 1232g ( b )
Product: Mortgage

I am currently in a chapter XXXX bankruptcy case and PHH mortgage has been slow and in some cases failed to update payments to their processing centers. This this has threatened to kick me from the stay at my property. I have sent all copies of the checks and posted dates from my financial institution and PHH will still not make the corrections.
Product: Debt collection

XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Express Recovery Services  The collection agency  Express Recovery   aka   dba   XXXX   XXXX  has made multiple reports to the Credit Bureaus which are duplicated more than once on most an d two or three times on many. In total 31 reports filed with 16 o f those being duplicates or triplet reports of the same claim. Their is also a claim reported on my credit report that is  XXXX  bill which had nothing to do with me nor services being rendered to me. The bill was for a hospital stay involving my husband  XXXX   XXXX  and the  XXXX  wrote the balance off but the collecto r Express Recovery  will not stop collections on the claim as well as filed for judgement of the claim and another charge which was written off too. Please give the agency and the hospital attention in this type of practice which seems to be deceptive when the charges had been forgiven then revived to collect again and services that I did not receive.  Total r eported claims exceed  XXXX  that are wrong, duplicated or not applicable to my receiving the service.
Product: Debt collection

On XXXX XXXX, XXXX, I was advised to check my credit score because it was way low so I checked my credit report to discover that there 's a collection account showing opened XXXX XXXX, XXXX and reported on XXXX XXXX, XXXX from Williams Fudge Inc. for {$4000.00}. I have not received any formal letter or a courtesy phone call from this company. My address and telephone number is still the same. I 've had many issues in the past with this company and others about this particular debt that keeps reoccurring on my credit report. I have already sent XXXX letters to Williams Fudge Inc. back in XXXX XXXX & XXXX XXXX ( certified mail receipt ) regarding this same exact debt letting the company know that I do not owe this debt. The negative information was removed off my credit report back then. In XXXX XXXX another company placed the exact same debt on my credit without notifying me. It was later removed. And here we are yet again in XXXX XXXX this debt is back on my credit report with another so called owner/collector. Ridiculous!! This is a horrible pattern with companies not notifying individuals & placing things on your credit, not providing legitimate validation but expect consumers to pay. I have asked several other agencies that are buying/selling/trading this particular debt to validate this debt. NO collection agency can provide to me a copy of a loan agreement, contract or promise to pay. For an agency to just keep putting negative/inaccurate debt on people 's credit report is wrong. At this point I feel like I am being harassed. I am asking for this to be removed once again from my credit report immediately.
Product: Vehicle loan or lease

in XX/XX/2022 I sent professional financial services a affidavit letter of recession for failed to disclosed they then stop my repairs that was going on with my car and sent letter stating the had repossessed it which was false I still had it once they figure that out they took me to court and the ruling was in they favor I also sent in coupon to pay for the car which they didn't send back or apply to the note .I also sent in affidavit to them about the securitization of the note and they then sent me a letter saying the car had been sole I sent them a package of every letter I have from them and that I sent to them stating all the fraudulent things they was doing they stop responding to me I also file a ucc1 because they took my trust property private property and then sold it according to them in the public without just paying me anything I have been sick and loss my baby so I'm just now carrying on with my processing with a lawsuit against them they never responded back so I guess they agree to all the fraud and conspiracy against them I also sent a fee schedule in to them from my trust telling them how much if they didn't responded its also way to many letter to upload but I have all the copies and so do they
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I received a text message from XXXX XXXX XXXX XXXX XXXX stating " Chase XXXX XXXX XXXX. Did you authorize a transaction for {$2000.00}? Please Confirm to : XXXX XXXX XXXX '' I checked my account without using the link and there wasn't a charge for {$2000.00}. The fact that this came from an actual number and it did not allow me to text back told me that this might not be legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank recently pulled in credit info on XX/XX/2022 without my authorization to do so. I never requested nor have I inquired about any products or lines of credit from XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Clerical error by XXXXXXXX XXXXk : It appears there was a clerical error in how XXXXXXXX XXXX  processed the payments. Despite making the payment on time, the account was incorrectly marked as overdue. I provided bank statements and payment receipts showing that the payments were processed. 
Evidence provided : I attached transaction records from my bank verifying that the payments were made on time, well before the XXXX delinquency threshold. I also included copies of emails from XXXX XXXX confirming that no delinquency notice was sent to me. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Acima responded back to my dispute with the CFPB, but clearly is violating my rights and the FCRA Laws. They stated I was charge off as of XX/XX/XXXX due to late payments. If you clearly see here on my records with XXXX it shows the 100 % truth that this company is lying and not following the laws. Also I have proof of other records that will be attached showing that on XX/XX/XXXX I was offered several options for this account as a settlement. So on XX/XX/XXXX I accepted the offer " DONATION '' option that was given to me by a representative of that company as proof shows attached.
Product: Credit reporting or other personal consumer reports

I put my social security number in to XXXX and my twin sister information came up and it was all her information and my telephone number and email address. This is very problematic and it has caused me a great hardship and continues to prevent my score from increasing, and gives the impression I had filed bankruptcy and had accts not belonging to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. 
I feel like I am being taken advantage of and being ignored of my disputes. 
Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. 
it has been over 60 days so they should be deleted promptly. i demand these accounts be deleted immediately or i will file for litigation due to the stress you cause me. 
my information was also impacted by the XXXX data breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It XXXX Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX ACCOUNT # XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
Product: Credit reporting 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 confidentially under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conerning the invdividual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i ( 5 ) they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed