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

Subject : Final Notice Unresolved Dispute of Inaccurate Information on Credit Report under FCRA, TILA, and PAANL Dear Consumer Financial Protection Bureau, This letter serves as a formal complaint against the three major credit reporting agencies Equifax for their failure to resolve an unresolved dispute regarding inaccurate and misleading information that continues to be reported on my credit file. 

Despite my previous efforts to dispute the incorrect reporting of late payments on my credit report, related to my Auto Loan with XXXX XXXX XXXX, Account Number XXXX, the issue remains unresolved. These disputes were filed on XX/XX/XXXX and XX/XX/XXXX, and despite providing clear documentation of the errors, the agencies have failed to correct the inaccuracies. 

This failure to act constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, which mandate that credit reporting agencies and information furnishers ensure maximum accuracy in reports and correct inaccuracies promptly. Additionally, this issue falls under the Truth in Lending Act ( TILA ) and the Protection Against Non-Payment of Obligations Act ( PAANL ), which emphasize the need for accurate and timely reporting by creditors.

Legal Implications I am invoking 15 U.S. Code 1681n and 15 U.S. Code 1681o, which establish civil liability for willful or negligent noncompliance with the FCRA. As the credit reporting agencies have failed to meet their legal obligations, I am prepared to seek damages and legal costs. 

Relevant Case Law : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) : This case established that credit reporting agencies must conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. Failure to do so may result in liability for damages. 
Barash v. Ford Motor Credit Corp., 495 F. Supp. 2d 831 ( N.D. Ill. 2007 ) : This case demonstrated a violation of TILA, emphasizing the creditor 's obligation to provide accurate billing and payment notifications. 
Final Request for Resolution I request that the CFPB intervene and ensure that the three credit reporting agencies correct the following inaccurate late payment entries on my credit report : Date of Late Payment Report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Failure to correct this information within 10 days of receipt of this letter will force me to escalate this matter further. This includes filing additional complaints with the Federal Trade Commission ( FTC ) and my states Attorney General 's Office. Moreover, I will proceed with legal action to recover any damages resulting from the ongoing inaccuracies in my credit report. 

Please confirm in writing that this information has been corrected and that my credit report has been updated to reflect accurate data. I look forward to the CFPB 's prompt attention to this matter. 

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

Dear Sir/Madam, I am writing to formally request the issuance of a 1099-C for the charged-off debt on the following account : Account Number : XXXX Account Type : Charge account Balance : {$7000.00} Date Opened : XX/XX/year> Current Status : Charge-Off As this account has been charged off and reported as derogatory, I am requesting that a 1099-C be issued for the debt as required by the IRS. The debt is currently reflected as charged off on my credit report, and I believe this meets the criteria for the cancellation of debt under the IRS guidelines.

Please provide me with a 1099-C form for the year in which the charge-off occurred, so I may accurately report it on my taxes. If you require any additional information or documentation to process this request, kindly inform me as soon as possible. 

I would appreciate your prompt attention to this matter, and I look forward to receiving the necessary documentation. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX
Product: Student loan

In XXXX of XXXX  I recieved mail from Mohela saying I hit 122 payments which qualified me for PSLF. I was told by Mohela that within 90 business days my loans should be discharged. That 90 day mark ( plus quite a bit ) has come and gone and no movement on my account. Mohela says " keep waiting ''. STudentaid.gov says " Keep waiting ''. At this point it is a breach of contract. It is now seven months pass from when I hit the required mark for forgiveness and these loans are still XXXXXXXX XXXX XXXX XXXX like a XXXX, ready to XXXX  XXXX. No one will do anything to move them. Please help.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these any items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX Account # : XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX Account # XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX Account # XXXX Amount : {$0.00} I am also including an FTC Identity Theft Report with the reference number XXXX to further support my claim of identity theft. This report provides additional documentation of the fraudulent activity linked to the XXXX data breach. As mandated under 15 U.S.C. 1681c-2, upon receiving this identity theft report, credit reporting agencies are required to block and delete any information identified as resulting from identity theft within four business days. Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have tried on numerous of occasions to first, find out what debt this is ; secondly, educated to them that this was caused by Identity theft. I have produced countless letters from the Bank itself as well I mine, to include a claims submission in the regards of " Midland Credit Managemnt , Inc Telephone Consumer Protection Act Litigation Settlement. 

I was robbed at a gas station in XXXX XXXX, KY ( police report was filed ) in XXXX. From there, my banks accts were taken and numerous of accts and credit cards were opened in my name. All were dismissed, closed and fraud alerted ; except this. I have proved time and time again that this is a fraudulent account. I was divorced in XXXX, and closed every credit card down that me and my spouse had as well as any joint accts. I bank with XXXX XXXX  and have been since my return to the US in XXXX of XXXX. This company and XXXX have REFUSED to tell me what this is, ( either an acct opened or a credit card ) REFUSED to provide documents, but only have said this is a XXXX  XXXX XXXX deal. I have called XXXX XXXX XXXX and have letters stating I have NEVER had an account or credit cards through them. They have SENT letters to me as well as to Midland Funding, LLC and XXXX. They BOTH say they have never recieved. Last year, they literally garnished my bank acct, and my daughter 's, I had to fight to get that back as I am a single parent, and that had funds for rent, bills and food, ( see Claim of Exemption letter ).  I have resent NOTARIZED papers they have sent me regarding the fraud acct, as well as the letters from the bank. They are now trying again to garnish my pay on something that IS NOT MINE, never was. 

This is harrassement, added stress, has my job in jeopardy, these are the points that red flag this : The second page that has the notary signature says that judgment has been entered. 
-Has a court judgment been made? 
-South Dakota Codified Law 21-18-3.1 states that " Garnishment prohibited before judgment. Garnishment prior to obtaining final judgment in the principal action is prohibited. 
-The document has a Court File No. however there is no indication that the document has been filed with a court ( such as a clerk of court signature ) This is a list of all the facts of my case : -Victim of ID Theft -Have filed an ID Theft Affidavit with Midland -Filed a claim of exemption -Past actions have been released -Unaware of a judgment -Attempting to Garnish without a judgment -past the statute of limitiations
Product: Credit card

Received card never applied for Some current credit card bank XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

try fixing these FCRA violation 3 times reporting inaccurate information cost me higher rate on loans I just received XXXX, XXXX, and Experian need to correct this asap
Product: Student loan

Navient deliberately ignored my request to remove co-signer knowing that I am a XXXX XXXX XXXX  XXXX Veteran. They knew that my private loan would go into default therefore there they did not exercise due diligence to investigate this. They requested documents that they did not take into consideration nor did they take my payment history into consideration. My loan is my sole responsibility and based on the fact that I have 100 % payment history for four years, my co-signer should be released. I have been paying a {$20000.00} for four years and the current total is {$32000.00} and when I started my repayment plan my total was {$36000.00} so within four years my loan has only a {$4000.00} dent with a monthly payment of {$300.00}. Navient has ripped off me off and is continuing to harm me financially throughout the repayment process.
Product: Money transfer, virtual currency, or money service

I have a mortgage with XXXX XXXX  whereby the subject property has been occupied by a Tenant since XXXX of 2021. As per the terms of the Lease agreement with the tenant ACH drafts are authorized to be made each month. Thus, Rent payments have been drafted from Tenants bank account at USAA and applied directly to mortgage payments at XXXX XXXX  since the inception of the Lease. I recently received notice from XXXX XXXX of default whereby XXXX unilaterally returned 6 months of mortgage payments to Tenant 's bank at USAA. 

The Tenant has enjoyed the use of the property and this is a theft of service on behalf of the Tenant whereby a fraudulent request to return payments to their account was made without my knowledge and XXXX  followed through with a refund of these payments without my knowledge or approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft I sent in copy of police report and the fraudulent items are still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


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

XXXX and Experian has allowed XXXX XXXX to continue to damage my credit reports in violation of my rights under the FCRA. Two XXXX  XXXX credit cards were charged off in 2020 yet capital one did not provide me with a 1099 for each account, they are reporting incorrect balances over the limits I had when the cards were open, and they continue to report both cards as open as if the charge off happened the month before. These two accounts have been taken off my XXXX report yet XXXX and Experian still post one or both of these accounts knowing they are damaging my credit scores. My equifax score, which removed these accounts, is XXXX points higher.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumers file.The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagaph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XXXX XXXX to Transition, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

The original debt collector XXXX XXXX 's Was notified that my Medical Insurance coverage for both XXXX XXXX and Social Security XXXX Insurence Coverage through State Medical the info was provided before the Account was Closed with XXXX, I very recently in XX/XX/XXXX received a Debt collector Call phone call harassing me for $ 500+ I told them the debt was satisfied through XXXX and followed in XX/XX/XXXX I updated XXXX my SSI benefits Medical State Insurance to XXXX   , In XX/XX/2018 I than contacted XXXX I spoke again to XXXX who took my insurance Medical Information for my Son who is a minor whom received XXXX XXXX XXXX XXXX which was covered by the State Social Security Administration but XXXX failed to provide documentation that their was a debt owed still or if the insurance was ever updated or billed, I debt collector was informed in XX/XX/XXXX over the phone that I dont owe a debt collector and any balance should be closed with a {$0.00} balance through XXXX . The creditors immediately reported right after I spoke to XXXX  ; XXXX, XXXX and XXXX XXXX Mail left from XXXX : XX/XX/2018 XXXX Hi uh hi XXXX this is my XXXX with you earlier I'm calling from XXXX XXXX 's XXXX  um if you could give us a return phone call um there's some information like to provide two of the number is XXXX thank you bye-bye I had earlier contact XXXX  to Verify that they updated my Insurance and they said that the Account was Closed with a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft LINCOLN TECH Account Number : XXXX This is not mine. 

4. Identity Theft LINCOLN TECH Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/14 XXXX I CALLED XXXX AND REQUESTED NAME AND ADDRESS CORRECTION. I SPOKE WITH XXXX DIFFERENT REPS AND WAS TOLD IT WAS COMPLETED AND WILL BE UPDATED IN XXXX HOURS. NO CHANGE HAS BEEN MADE AND I AM HAVING A HARD TIME OBTAINING HOUSING. 

THEY STATED IT WOULD BE FORWARED TO EQUIFAX AND XXXX..
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I transferred {$50.00} to XXXX XXXX through my bank Wells Fargo and the money transfer app through XXXX, called XXXX. XXXX XXXX scammed me and never mailed my order to me. I have been in contact with her and she does not intend to reimburse me as she says she already spent my money. Wells Fargo says they do not offer protection from scammers. Had I known that upfront, I wouldn't have used the app at all. I felt safe as it is available through my bank. It is the only money transfer app I used because of this reason.
Product: Credit card

On XX/XX/2023 I made a payment from my XXXX XXXX XXXX online payment center to Barclays. The amount I intended to pay was {$700.00}. I accidently put in an extra zero and made a payment of {$7000.00}! When I discovered my error on 08/20/2023, I immediately contacted my bank and was assured that Barclays would refund the money and this is a very common procedure. 

On XXXX/XXXX/2223, I contact Barclays and I spoke to several people in the customer service department including XXXX, XXXX, and XXXX. I was told by the Barclays employees that since the payment was made by a third party, XXXX XXXX, that the money could not be reimbursed and that I needed to contact XXXX XXXX XXXX After many calls to XXXX XXXX XXXX, I was repeatedly told that no one at XXXX XXXX XXXX has ever heard of a merchant not returning the overpayment. I was also told that since Barclays has collected the money and it is now with Barclays, that XXXX XXXX XXXX can not recall the money. I requested to speak to someone in XXXX XXXX XXXX bill pay and was directed to XXXX. 

XXXX, from XXXX XXXX XXXX XXXX XXXX. called Barclays with me on the line and we were finally connected with XXXX ID # LASRPA. XXXX would not provide his last name. XXXX inquired why the money could not be reimbursed. Again, we were told that because the payment was made by a third party ( bill pay ), I would need to seek recovery from them. XXXX from XXXX XXXX XXXXXXXX XXXX XXXX reported she is in fact from XXXX XXXX XXXX XXXX XXXX and that this was not a procedure they could do since the money was in the hands of Barclays and they needed to refund the money. XXXX advised that Bank XXXX XXXX is not able to recall the funds since there was no fraud involved and that Barclays should return the funds. XXXX reported that this was a simple mistake, and it happens all the time. XXXX stated that since the payment was made from XXXX XXXX XXXX and not directly through Barclays, that the money would not be reimbursed. 

I dont understand why it matters where the money came from. The funds have been withdrawn from my bank account and now Barclays has the {$7000.00} and refuses to return it to me. I have gone around and around with this issue since Sunday, XX/XX/2023. I am not a delinquent customer of Barclays. I have always paid my bill. In fact, the minimum balance due on XX/XX/2023 is {$280.00} and I was trying to more than double the minimum by paying {$700.00}.