23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Monterey Collections Sv. working on behalf of XXXX XXXX XXXX, signed for a certified letter of official dispute of their information of a collection account in the amount of {$19000.00} on my and my husband 's credit reports. The letter informed them that I was requesting validation of this debt pursuant to FDCPA and FCRA and corresponding local state laws. Competent evidence bearing my signature and showing contractual obligation to pay was requested as well. I also informed them that I was aware of the law and that they had 30 days to validate the debt, or the law required that they request that all reporting agencies delete the entry. After not hearing from them after 30 days and noticing that no notification of dispute was indicated on my credit report I sent a follow-up certified letter which they signed for on XXXX XXXX, 2017. This letter notified them that they were in violation of ( but not limited to ) FDCPA Section 807-8 and FCRA Section 623-b, and therefore I was demanding that the item be removed from my credit report, as required by law. I finally received information from them on XXXX XXXX, 2017, a full 55 days beyond what is allowed by law. In the letter, they informed me that I had 30 days from date of notification by them that the account had been placed with them to dispute the debt. However, I have never received such notice, they have failed to provide proof of such, and I was only aware of the issue when checking my credit report. On that same note, FDCPA states : " 809. Validation of debts ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer '' which does not excuse their legal responsibility to abide by the law in their reporting and validation when informed of formal dispute and request for validation evidence. I am also reporting them to the BBB today, as well as the Texas Attorney General before filing a small claims action.
Product: Mortgage

Hello, My wife and I recently refinanced our mortgage through Mr Cooper. At the time of our application we had a rate lock at 3.125 % Everything went smooth but took a long time but that wasn't an issue with us. The day or two before we were to close on the mortgage we got some documentation that said our rate was 2.250 %. I called and talked to our rep. ( XXXX XXXX ) and he told me the rate was changed approximately two weeks after we locked in our rate. He had no idea why it changed. He also told me to correct it we would have to wait for the loan to go back through the entire underwriting process again. we told him to proceed with the closing because this was taking a long time. I then called the person who started the process XXXX XXXX XXXX ) and she said that it would have only delayed the closing a day or two. I realize that .125 % doesn't sound like much but we will be paying more than we should every month for the next 15 years. The rate was changed without our knowledge or consent. The additional payments will total about {$1900.00} I called and talked to XXXX and XXXX and was told someone would get back to me but never did. Their contact info is XXXX-XXXX and XXXX 's is XXXX ( XXXX ) We feel that changing our rate without any consent or explanation is not only unethical but also illegal.
Product: Debt collection

This phone number has been repeatedly calling me and my family. On XX/XX/ a vague voicemail, only identifying a XXXX as caller was left for me using my maiden name ( which has been changed for years ). A search of the phone number revealed potential scam- similar reports of a XXXX using a maiden name in regards to an incorrect debt. Today, XXXX, I answered. XXXX was argumentative and aggressive. I repeatedly voiced wanting to know who he was collecting for- to verify if it was a scam or not. XXXX became upset at my indication of a scam and continued to argue, wanting me to verify my identity. He continued to say that if I searched his number, the company he was calling for- Capital Link would be listed. When the XXXX number is searched, it does not show publicly as affiliated with Capital Link. At one point, in a threatening tone, XXXX argued that he had my full social and DOB. During the entire confrontation, he adamantly refused to identify who the debt was from. I have never received in writing an indication of a medical debt, nor has this XXXX from Capital Link ever informed me of the information I have right to- the identity of the original debt. I have no collection reports on any of my credit reports, and am currently up to date with nothing owed to any known medical bills. XXXX continued to argue, remain vague, and then disconnected my call when I requested to speak to a XXXX as his attitude was completely inappropriate. I have told him to stop contacting me and my associates as it is harassing at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe Account : XXXX has violated my rights. I have attached the proof. Everything that is inaccurate is highlighted. 

They stated that they had done a proper investigation, but how is that possible if the reporting dates are still inaccurate, the balance amounts are inaccurate, payment amounts are inaccurate and the payment history is inaccurate? 

I believe this is grounds for removal for not properly doing an investigation. I do understand the law, and I am aware that my rights were violated under 15 U.S.C 1681 Section 604 A Section 2.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact Experian to have unauthorized inquiries remove from my credit report. They advised I must submit in a complaint to have them reviewed. Please review my hard inquiries below and remove them as theyre unauthorized. 

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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Case Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX H Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 XXXX XXXX XXXXXXXX FIN Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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 or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE ACCOUNT IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, ACCOUNT : XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXXXXXX {$21000.00} XXXX XXXX XXXXXXXX {$19000.00} XXXX  XXXX {$20000.00} XXXX XXXX {$35000.00} XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXXXXXX {$34000.00} XXXX XXXX XXXXXXXX XXXX {$24000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$13000.00} XXXX {$240.00} XXXXXXXX XXXX {$2000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX {$830.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$700.00}
Product: Debt collection

This is so annoying & frustrating. Ive sent TRANSUNION multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TRANSUNIONs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I SENT SEVERAL LETTER TO TRANSUNION STATING I DID NOT AUTHORIZE THESE INQUIRES AND ASK FOR THEM TO BE DELETED AND THEY JUST SENT A COPY OF MY CREDIT REPORT AND THE ISSUE WAS NOT RESOLVED. THEN i ASK THEM FOR PROOF THAT i AUTHORIZED THESE INQUIRIES ON XX/XX/2023 AND THEY STIL DID NOT SEND PROOF.
Product: Debt collection

The original debt was a result of an unlicensed loan in Kansas back in 2015. The company allegedly sold the debt to XXXX XXXX XXXX , XXXX. They I turn are saying it doesnt matter if the ordinal loan was illegal. They are listing it on my credit report until I pay them. They refuse to provide me with proper debt validation an think federal law doesnt apply to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an ongoing victim of IdentyTheft, I have reported this to the XXXX County Sheriffs Department, the XXXX XXXX Police Department, XXXX, Experian and XXXX  on over 3 occasions XXXX has REMOVED all of the FRAUDULENT ACCOUNTS except for XXXX XXXX EXPERIAN has REMOVED all the FRAUDULENT ACCOUNTS accept TIME PAYMENT XXXX has completely REFUSED to comply with Federal Law, they continue to harm my good name ad character with FRAUDULENT AND MISLEADING INFORMATION
Product: Credit reporting

I initiated a dispute with Equifax on XXXX XXXX since then I have initiated a reinvestigation because the outcome of the first investigation stated that they found that the accounts they belong to me so again I disputed as fraud and they 're still saying that they verify the accounts. What account is with XXXX XXXX XXXX yeah the account is with XXXX neither XXXX of these accounts belong to me.
Product: Checking or savings account

On the XXXX XX/XX/2020 I received an email from Citibank stating that I was eligible for a promotion which was exclusively available for Citi / AAdvantage cardholders. The terms and conditions of the promotion begin : The following Terms and Conditions apply to the bonus offer associated with new account opening of the Citi Miles Ahead package. If you are an Eligible Customer and complete Required Activities which include opening a Citi Miles Ahead Savings account in the Citi Miles Ahead package as first signer, deposit New-to-Citibank funds into your On Deposit Balance within 30 days, and maintain that On Deposit Balance for 60 consecutive calendar days, you can earn up to XXXX AAdvantage bonus miles : On XXXX XX/XX/2020 I opened an account and deposited {$10000.00}. I maintained this balance until XXXX XX/XX/2020 when I withdrew the money. This was 77 days meaning that I met the above terms and conditions requiring that I maintain the balance for 60 days. I called up a couple of months later to inquire why I had not received the XXXX promotional miles and was informed I must wait 90 days to be credited with the miles, but the representative confirmed I was eligible and would receive the miles. 

On XXXX XXXX I called Citibank as I still hadn't received the promotional miles. I was provided with a reference number ( XXXX ). On XXXX XXXX I received a response from Citibank saying that the terms and conditions require you to maintain the balance for 90 days, and that I failed to do so and therefore was not eligible for the promotion. This is incorrect, as the terms and conditions in the promotional email stated 60 days. 

On XXXX XXXX I called Citibank and explained the issue to a representative who told me " We've reviewed this and sent you a letter, there is nothing you can do ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an account in collections on my credit report in XX/XX/2021. This collection only appears on my Experian report and not on the other two main agencies. I contacted the collection agency ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) and they do not have any of my information in their system. I also contacted the original creditor ( XXXX XXXX XXXX XXXX ) and they also do not have me in their system. The collection on my credit reports shows the original balance as {$280.00} and the current balance is {$210.00}. Even if I wanted to pay this off to have it removed from my account, I can not because neither the collection agency or the original creditor has any of my information in their system. I have disputed this as inaccurate information with Experian 4 times and they have not removed this from my credit report.
Product: Debt collection

LVNV Funding LLC debt collection company is in violation of the Fair Debt Collection Practices Act ( FDCPA ). I been receiving phone calls and emails of constant harassment, abusive and profane language, threats of being sent to jail and prison and death threats from Resurgent LVNV Funding Debt Collection Representatives for debt collection accounts that isnt my debt collection account or debt. The debt collection accounts from XXXX XXXX XXXX XXXX XXXX {$340.00}, XXXX XXXX XXXX XXXX {$250.00} and XXXX XXXX XXXX XXXX XXXX {$170.00} isnt my debt collection accounts and is the result of identity theft. The accounts are fraudulent and the result of identity theft. Im a victim of identity theft. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Equifax Failure to Address Credit Dispute Dear Sir or Madam, I am writing to formally file a complaint against Equifax regarding their failure to address and resolve a credit report dispute I have submitted multiple times. Despite following the appropriate procedures and providing all necessary documentation, Equifax has failed to take appropriate action or conduct a proper investigation in compliance with the Fair Credit Reporting Act ( FCRA ).

Specifically, I have been disputing inaccurate information related to an account from XXXX XXXX XXXX  XXXX, which continues to appear on my credit report with inaccurate information. Despite mailing in my dispute along with all requested identification and supporting documents, Equifax has repeatedly stalled the process by : Sending me form letters requesting additional identification that I have already provided. 
Claiming they can not locate my credit file, despite my complete and accurate submission of identifying information. 
Failing to thoroughly investigate my dispute as required by the FCRA. 
This failure to act violates my rights as a consumer to have inaccurate or incomplete information corrected. It is further supported by findings from the CFPB that Equifax has a history of failing to properly investigate disputes, as evidenced in their systemic issues. 
I am requesting that the CFPB intervene to ensure that Equifax conducts a reasonable investigation into my dispute and removes the inaccurate information regarding XXXX XXXXXXXX XXXX XXXX from my credit report. 
Thank you for your attention to this matter. I look forward to your prompt response and action. Should you need additional information or documentation, please do not hesitate to contact me. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft due to a recent data breach. As a result, several accounts were fraudulently opened in my name without my authorization. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following fraudulent accounts from my credit report : 1. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}