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

This letter serves as my formal Notice of Intent to Sue against Equifax in response to your recent findings communicated to me regarding my complaint submitted through the Consumer Financial Protection Bureau ( CFPB ). While I appreciate your investigation, I must strongly disagree with the conclusions drawn, and assert that several inaccuracies remain unresolved on my credit report. 

Legal Basis for Disputing Inaccuracies Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the legal right to dispute inaccurate or incomplete information on my credit report. Additionally, 15 U.S.C. 1681b restricts the sharing of my personal information without my consent, and I expect these rights to be upheld. The following Ohio Revised Code ( ORC ) provisions also apply : ORC 1345.01 - Ohio Consumer Sales Practices Act : Reporting inaccurate information on my credit report is an unfair trade practice. 
ORC 1345.02 - Unfair or Deceptive Acts or Practices : The Ohio Attorney General enforces this provision, which also protects consumers from false representations that affect creditworthiness. 
Disputed Items XXXX XXXXXXXX XXXX XXXXXXXX This account continues to show as charged off with an outstanding balance I am unaware of. I demand immediate correction under FCRA 611 ( a ), which requires inaccurate information to be corrected or deleted upon investigation. Given the evidence, this item should be deleted. 

XXXXXXXX XXXX Although Equifax claims this account is not currently reporting, the negative information linked to this account has not been removed as per the " pay to delete '' agreement for an account that wasn't mine.This is a violation of FCRA 607, and I demand immediate rectification. 

XXXX XXXX ( XXXX ) Equifax reports that this account is not currently active, but it remains visible on other credit reports under various names such as " XXXX. '' I dispute the validity of this account and request verification. 

XXXX. XXXX, XXXX. 
I dispute this collection account, as I have not consented to it being reported. Under FCRA 611 ( a ), I request the deletion as well proof of the debt and its legitimacy. 

Unauthorized Inquiries There are unauthorized credit inquiries from Xactus-Avantus/Liberty and XXXX XXXX XXXX XXXX linked to identity theft. Under FCRA 605B, I demand their immediate removal. 

Ohio Department of Human Services A new entry has appeared linked to this agency. I request immediate clarification regarding its legitimacy. 

Department of EducationXXXX Accounts New accounts from the Department of Education and Aidvantage have been reported without my consent. I demand deletion and verification under FCRA 609.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 fraudulent account with commenity bank/Ulta was opened. On XX/XX/2023 I contacted the bank and notified that this account was fraud and opened due to identity theft. Bank promised to removed, it took multiple calls to finally receive a letter in the mail that this account is fraud and it will be removed. This account is still reporting to my XXXX credit burea as closed account.The credit Bureau refuses to remove it and Commenity bank is not willing to escalate this issues. Please I want this account and inquiry to be removed immediately since XXXX and XXXX. removed it immediately. It has been over 90 days and this account is still reporting. Commenity bank is very hard to deal with and the are not consumers friendly. This issue should be escalate since I already attempted multiple time to resolve this issue if not I will seek legal action against bank and XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXXXXXX Opened Date XX/XX/XXXX Balance {$3300.00}.
Product: Debt collection

I received mail from USPS from American Coradius International LLC about the following : Creditor : XXXX XXXX XXXX XXXX 
Account holder name : XXXX XXXX Reference # : XXXX Account number : XXXX Account balance : XXXX I do not have this account and would like further information regarding this matter. It says I have until XX/XX/2023 to respond. 

I have reached out to XXXX directly and they do not have any account number listed presently or in the past. I currently have an account with XXXX and it is in good standing.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Although I have already submitted my initial complaint, due to Cashapps negligence on securing my account and funds as promised, and already having been denied, I am now receiving a number of emails, with misinformation and no solid resolution to my claim. Although I was already denied and my case was closed on Friday XX/XX/XXXX ( less than 24 hours after the case was opened, I am now receiving emails, stating that cashapps determination was verified that my account was definitely compromised, and that my account had been secured. First one was on XXXX XX/XX/XXXX stating they determined my account was compromised and would secure it. ( 8 days later from when I called in to report my information had been changed ) Then a second email on XXXX  as well XX/XX/XXXX, stating that a investigation had been started? A second time??? ( original investigation started XX/XX/XXXX, got denied and closed XX/XX/XXXX ) and on XXXX XX/XX/XXXX the final determination of NOT finding any suspicious activity and closing my case, yet again. 

So my issue here is the mixed information Im receiving, the acknowledgment from cashapp that they determined I WAS compromised, but still found no issues. There is a lot of discrepancies in this entire matter. It seems to me that no one is on board with the same information, with a extreme lack of identifying suspicious activity, or any compassion for their clients losses and private information being exposed. I need a resolution and only ask to be returned what was stolen from me. I will attach all the new emails. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion ( File # XXXX ) I received Investigation Results from TransUnion dated XX/XX/2020 in response to a Public Record Dispute I submitted in XX/XX/2020. TransUnions results list the Public Record as VERIFIED AS ACCURATE, which I know to be false and unsubstantiated. I have a letter from the US Bankruptcy Court NJ confirming they do NOT provide verification to any entities ( attached ). Furthermore, I also disputed the Public Record with XXXX with the evidence/supporting documentation I received from the Bankruptcy Court and XXXX has since DELETED the Public Record from my data report ( letter attached ). TransUnion, XXXX, and other consumer reporting agencies look to XXXX for verification and, despite this, TransUnion insists this item was verified. And, this is not the first time Ive disputed this particular issue. 
XXXX XXXX ( Confirmation # XXXX ) I  received Investigation Results from XXXX  dated XX/XX/2020. XXXX  mentions on their Web site that Public Records are verified by a third-party vendor, XXXX. XXXX has DELETED the Public Record from my consumer data report ( letter attached ). I submitted this proof to XXXX  and asked that they do the sameDELETE the Public Record from my Consumer Report.
Product: Prepaid card

I purhcased a vanilla visa gift card that was advertised to be able to be used online and in person. However, Incomm and vanilla visa do not offer the ability to register the address and create a zip code, so I am unable to use this card as intended online when a zip code is requested ( as on almost every site ). Thus, the card was falsely advertised, and I can not use the balance. It is my hope they provide me a refund for this card and the activation fee.
Product: Debt collection

it was a company, XXXX that said i owed them for a product that was returned over 7 to 8 years ago. now they put my account im collections for XXXX for what they said i bought again. was not notified & XXXX wont remove from my account. never gave them my social or any info. dont owe this company not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( XXXX ). Please be advised that under Section 611 ( a ) ( XXXX ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 

Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$7100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are a result of identity theft. They have not been authorized by myself of anyone with my permission. 
I have an ongoing extended fraud alert and have not been contacted by any of these creditors to verify my application. 

1. XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX 2. XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX 3. XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX CARD 5. XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX BANK XX/XX/XXXX 6. XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX 7. XX/XX/XXXX XX/XX/XXXX XXXX Banks - non specific XXXX XXXX   XXXX XXXX, NM XXXX BYMAILONLY
Product: Student loan

I received my XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. For years I 'd proactively call to set up arrangements which I could afford. Rather than lowering my payments they kepto offering forbearance. Just recently they started offering the income based however now my loans have more than doubled and I now owe {$190000.00} in student loans. They recently recalculated my paymentsong at {$1900.00} a month and when I complained they lowered it to {$900.00}. I 'm XXXX yes old and there 's no way I can pay these off before I die. If they had given the lowers payments when I first asked many years ago, I could have them paid off and not accrued so much interest. In previous years they would never lower payments.I feel like this is predatory lending. With being a single parent with such high payments I felt like I had no choice but to put them in forbearance. Please help. XXXX XXXX. Navient customer
Product: Mortgage

On XX/XX/2021 I filed a complaint with the CFPB regarding the forebearance of my mortgage loan. On XX/XX/2021 XXXX Mortgage sent a reply back to the CPPB that they would be deferring XXXX  months of mortgage payments and I would receive a letter, to this date I have not received the letter for me to sign and it has been XXXX  months. But yet, I received a letter of foreclosure this past weekend. 

I have left I know XXXX messages, emails, asked to be contacted by a supervisor. To say that I am angry is an understatement. 

AT this point I feel like contacting the Department of Justice, regarding XXXX discrimination.
Product: Student loan

I have federal student loans and should qualify for public service loan forgiveness. My loans were serviced by XXXX and I applied in XX/XX/XXXX and certified 24 years of public service ( yes more than just since XXXX ) after finding out that years of yearly certification forms that I faxed to XXXX were not documented. 

My last PSLF update count was this spring at XXXX. With the announcement that there will be a one-time forbearance count added ( if more than 12 consecutive months or 36 months total ), I should be well over the 120 months. I understand that there were some adjustments last XXXX and the adjustments restarted in XXXX. 

My loans are now with Mohela. My complaint is that each time I call to speak with a representative about my forbearance counts being applied, I get a different answer- ranging from forbearances wont be counted or counts wont be done until XXXX ( which is incorrect because a multitude of others in a similar situation have had theirs applied and are now loan free ). I filed a complaint with XXXX XXXX XXXX on XX/XX/XXXX. I was supposed to get a response within 15 days but still have received nothing and it is XXXX. 

Due to the transparency of the large social media groups regarding PSLF, there appears to be disparate treatment of loan holders- no transparent system or order to forgiveness. I can not get any answers on what if anything additional I must do. It is frustrating as I see others who applied for PSLF almost a year after I did have their forbearance months applied and now have forgiveness.
Product: Mortgage

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat c payment on a credit card account under an + open end consumer credit plan as late for on purpose. 
XXXX
Product: Vehicle loan or lease

The core issue with the XXXX XXXX XXXX XXXX XXXX locate at XXXX XXXX XXXX, XXXX MA XXXX, on XX/XX/year> I had an apponitment with the sales rep named XXXX XXXX to discuss a new lease ageeement for a XXXX XXXX XXXX XXXX XXXX so I explicity explained my current lease situation as I might have a negative equity on the car I am attempting to swap with the new XXXX  XXXX  mentioned above then after discussion with the finance manager named XXXX XXXX who handed me a worksheet with the lease payments for the XXXX  car and did not mention anything that it is an offer or it has a limited time, so what I have informed the sales perosn XXXX that XXXX will think about and will revert back to him on XXXX, again no hints that the worksheet I have provided is for a limited time period. On XX/XX/XXXX I visited the dealership and had the same discussion then I was handed a worksheet a different one but I am unable to confirm since I could not find the old sheet from XXXX so long story short I was persuaded that it is the same deal and the sales rep confirmed that is the best option towards the negative equity situation and there will be a federal rebate for XXXX  models around {$7500.00} that will help to decrease the payments in addition to the traded car I was leasing. I signed the contract on XX/XX/XXXX however a week later I found the worksheet from XXXX that the sales manager XXXX XXXX handed to me so there were discrepancies in the lease payments and I did mention that to the dealership which refused to cooporate. I have all of the SMS correspondences and the worksheet I mentioned for your reference. The leasing company name is Stellantis Fiancial Services US.
Product: Debt collection

This is my 3rd attempt to remove this debt collection from my credit report. 
XXXX XXXX XXXX has sold my XXXX collection to re-collectors, again and again. 

As stated on my credit report, my vehicle was repossessed in XX/XX/XXXX, and do not own a vehicle to date. 
I did not have XXXX insurance in XXXX, XXXX. XXXX, XXXX. 
Please make them provide original or copies of this XXXX policy. ACCT # XXXX I had Progressive Insurance in XXXX. This is a re-collection, sold to a debt collector, that was deleted for {$400.00}. 
Please make them stop this re-collection practice. Thank you kindly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX  Final Notice Immediate Deletion & {$1000.00} Compensation for FCRA Violation To Whom It May Concern, This letter serves as formal notice that XXXX has violated 15 U.S.C. 1681i ( a ) ( 5 ) ( XXXX ) ( ii ) and ( iii ) by failing to conduct a lawful and reasonable reinvestigation regarding the disputed XXXX XXXX trade line. Your response stating that this item was verified is legally insufficient, as you have provided no written proof, no original creditor documentation, and no valid confirmation of verification which constitutes a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Additionally, this dispute has already been addressed in a CFPB complaint ( Confirmation Code : XXXX ), yet XXXX has failed to provide the required documentation proving the legitimacy of this account. Furthermore, your response acknowledges that historical information was deleted and multiple fields were modified, which further indicates that this account is inaccurate and unverifiable.

Legal Demands for Immediate Resolution 1. Immediate and permanent deletion of the XXXX XXXX trade line from my credit report, as XXXX has failed to provide valid verification. 
XXXX. Payment of {$1000.00} in statutory damages for XXXX willful violation of my consumer rights under the FCRA. 

This is not a request for further reinvestigation XXXX has already failed to comply with federal law. If my demands are not met immediately, I will escalate this matter by : - Filing a second CFPB complaint for noncompliance - Reporting this violation to the FTC and my state attorney general - Pursuing legal action for damages resulting from XXXX unlawful and negligent reporting XXXX is now on legal notice for noncompliance. Failure to respond with confirmation of deletion and my {$1000.00} statutory compensation will result in further legal consequences. 

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

The accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. I went through bankruptcy and noticed the accounts that were disputed in my bankruptcy are still showing on my report. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly delete all information which can not be verified or reported inaccurately. I definitely feel this is a negligent noncompliance ( Section 617 ) if you fail to comply. 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 XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXThe following addresses are not mine please delete/remove them:XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX This is my only number XXXX All other telephone numbers are not accurate. ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My family and my self have been going through a very rough Cpl of years for the last 2 years there have been a series of hardships that have occurred that set us behind on our mortgage payments XXXX Husband had had XXXX XXXX XXXX and then I was very sick struggling with serious and XXXX of the XXXX then again hospitalized my husband who had to get a XXXX then XXXX we lost our son and My mother all while in recovery from those surgeries while undergoing all kinds of medical treatment for my serious and XXXX of the XXXX we were being consumed by the debt of not only our medical situation mortgage funeral cost caretakers and all other responsibilities that we have and then XX/XX/XXXX wife went under operation for a XXXX transplant and is currently in XXXX trying to recover and meanwhile our home went into foreclosure and the lender wants and will only accept a reinstatement payment in the amount of {$370000.00} by XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Date : XX/XX/XXXX reporting late and other bureaus reported on time. 
XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Date : XX/XX/XXXX Not my account, unable to provide me with a copy of verifiable proof. 
Both of these accounts past 30 days with no response.
Product: Debt collection

a collection for XXXX hit my credit on XX/XX/2021 i do not owe this company any money.. 

i want them to remove off my credit report. asap