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

To Whom It May Concern : I am writing to formally report fraudulent activity on my credit report, including unauthorized accounts and fraudulent collections resulting from identity theft. This letter serves as a demand under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) for the immediate blocking and removal of this information from my credit file. Please consider this correspondence, along with the enclosed documentation, as an official identity theft report pursuant to the Fair Credit Reporting Act ( FCRA ). 

FTC Report Number : XXXX FTC Report Date : XX/XX/year> In accordance with 15 U.S.C. 1681c-2 ( a ) and the related provisions under FCRA 605 ( b ), credit reporting agencies are required to block disputed information resulting from identity theft within four business days of receipt of a valid identity theft report. This obligation applies to the accounts detailed below, which I identify as fraudulent : Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$5300.00} I have included the following documentation to support my claim : A copy of the FTC Identity Theft Affidavit ( FTC Report Number : XXXX ). 
A Police Report documenting the identity theft. 
A copy of my Government-Issued Photo Identification for verification purposes.

A recent Utility Bill or Bank Statement confirming my address. 
Under the Fair Credit Reporting Act, failure to comply with these statutory requirements constitutes a violation, including but not limited to : 15 U.S.C. 1681c-2 ( a ) : Obligating the blocking of fraudulent information within four business days of receiving an identity theft report.

15 U.S.C. 1681s-2 ( b ) : Requiring furnishers of disputed information to conduct a thorough investigation of the disputed accounts upon notification.

15 U.S.C. 1681i ( a ) : Mandating reinvestigation of disputed information.

I further demand that any collection activity related to these fraudulent accounts cease immediately as required under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692c ( c ), which prohibits continued collection efforts on disputed debts.

Additionally, I request written confirmation of the following : Receipt of this letter and all enclosed documents.

Blocking and removal of the identified fraudulent accounts from my credit file.

An updated and corrected copy of my credit report reflecting the requested changes.

Please provide the confirmation and updated report at the earliest opportunity.

Thank you for your immediate attention to this matter. I trust you will act in compliance with your obligations under the FCRA and FDCPA to resolve this issue promptly. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

Hello, on XX/XX/2022 I paid {$87.00} which is the total balance that appears on my XXXX  account and I would like Weltman, Weinberg and Reis Co. LPA to provide an updated balance on my loan # XXXX. 

I want access restored to my account with Weltman, Weinberg and Reis Co. LPA my account # XXXX. I attempt to login with my account number and social security number but I get an error message therefore I can not see my payment history or current balance.
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 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 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 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 an 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a Method of Verification ( MOV ) request to TransUnion regarding disputed items on my credit report. TransUnion received my letter and issued a response dated XX/XX/year>, which failed to fulfill their obligations under FCRA 611 ( a ) ( 7 ).

Specifically : TransUnion did not provide the method of verification used to confirm the accuracy of the disputed information.

They failed to supply documentation or evidence supporting their verification.

Instead, TransUnion referred to the data furnishers, effectively bypassing their responsibility to properly investigate the dispute.

I provided all necessary documentation with my original dispute, including proof of identity and specific details about the disputed accounts. XXXX response is inadequate and demonstrates noncompliance with the FCRA. 

Request for Resolution : Mandate the removal of the disputed items from my credit report immediately.

Investigate TransUnion for potential violations of the FCRA and take corrective action as appropriate. 
Disputed Items : Account XXXX : XXXX XXXX XXXX XXXX 
Account XXXX : XXXX XXXX XXXX 
Account Name : XXXX XXXX Supporting Documents : Copy of my original MOV request to TransUnion. 
XXXX response dated XX/XX/year>. 
I appreciate your attention to this matter and look forward to your assistance in resolving this issue. 

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

Information pertaining to student loan accounts ending in XXXX are to be excluded from my consumer report. 

15 U.SC. 1681 ( a ) ( 2 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 

15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit ( student loans ) directly or indirectly by the issuer of a credit card. 

XXXX whom is the student loan servicer had disclosed the account balances as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX Bank act # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Apple Card/ GS Bank USA has been reporting a closed, charged off account which has negatively affected credit report.

15 U.S Code 6802 15 U.S Code 6805 Charged off accounts are considered income and must be removed
Product: Checking or savings account

On XX/XX/year> we deposited a check for the amount {$48000.00}, which is very normal for a business to operate, The next day Truist issued a letter to notify our business account was being blocked without factual reason. on XXXX Truist notified us that our business account was being closed without any proper reason. so we're expecting the remaining balance to be returned and we only got {$100.00} today, the {$48000.00} is held without a timeframe after I spoke to Triust Reps, it's ridiculous to not tell the client the reason for holding the funds and not in writing to let us know the process. basically, it's sounds like they never gon na giving the money back to us. So we strongly ask the department to check with them and let us know what the real problem is. they acting in bad faith.
Product: Payday loan, title loan, or personal loan

I had a payday loan in XX/XX/2017. I was going through a divorce and many things happened. I exended the repayment daye but it got larger and larger and I could not pay it back. I was waiting for a collections to come through on the account but It never did. I was waiting to see if I could set up arrangements to pay after it wet to collections so I didnt have to pay upfront. I had not heard anything and to be honest forgot about it especially with everything going on, I have been contact by XXXX XXXX, XXXX XXXX phone # XXXX with threats of lawsuit and constable intervention. He wanted me to pay {$250.00} today and make three payments of {$410.00} to settle the account but has provided no documentation or conrete information regarding the settlement of the account and I do not feel comfortable paying him without this information. I want to settle account and also protect myself. The non-payment was unintentional and a mistake. I am willing to set up a payment plan but one that does not heavily affect my livilihood as a single parent. Please advise. I have no documents from ACE Cash Express or from XXXX XXXX XXXX that state the debt or ways to respolve. I have only received calls with threats and unrealistic accomodations to resolve the account.
Product: Credit reporting

I have contacted Transunion to get these hard inquiries removed off of my account. I am a victim of identity theft and the companies is suppose to call me before they run my credit and it causes me to get a hard inquire. They refuse to remove them and I want them done. 

The hard inquiries are XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XXXX XX/XX/2016.and XXXX XX/XX/2016
Product: Checking or savings account

We received an email on the morning of XXXX XXXX, 2017, stating a {$300.00} check was cashed from our account at US Bank. We then received an email stating we were overdraft in our account by almost {$100.00}. We saw the copy of the check, and it was not our names on the check, nor was it even our checking account. We called US Bank and they stated they would start an investigation and it would likely take 2-3 business days. That was unacceptable, as we had bills coming out that day. US Bank stated they could not help us further. We contacted the recipient of the check, a small business, and told him the issue. He said he would check with both his client and US Bank. In the meantime, we went to the main US Bank branch in XXXX. We were able to speak to a banker and they verified the peoples ' names on the check were US Bank customers, and money had come out of the wrong account. He blamed the problem on a " computer error '' of reading the wrong account numbers. He credited us {$300.00} while awaiting the return of our funds from the other bank member, but we still have fees that need to be waived. Had we not received an email, we would not known about the problem until much later and our bills would have bounced.
Product: Credit reporting or other personal consumer reports

On ( XX/XX/2024 ), I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Payday loan

I took out a pay day loan with a lender and paid XXXX or XXXX payments then found that I was unable to make the remaining payments as planned due to medical and family hardship. The total paid was approximately half of what they loaned me. I sought direction from a debt management company who is representing me on my behalf and notified the original lender. The original lender did not contact the debt management company to discuss options and sold my account to a XXXX party, XXXX XXXX, who calls me at my place of business and on my cell repeatedly. I asked if this debt collector was informed that their client was notified by the XXXX company and they said they were not aware. I have returned calls to them on several occasions as they threaten to serve me with papers at my place of employment ( stating this is the only place they can do so ), filing fraud charges against my employer ( who has nothing to do with my loan ), filing fraud charges against my bank ( who again has nothing to do with my loan ), wage garnishment, they tell me it is my last notification then call a couple days later and use another threat tactic and start the notification process over, etc. They provide me with a docket number for the county court and I 've checked with the court and they state they have no such numbers on file for cases. Also, they do not identify themselves, they do not provide me with the loan company unless I persist, and they will not accept what I can pay, they want more than I can pay in an arrangement. I never received anything in writing. On one call, I asked who what the company name was and where they were located and he got angry, called me something unkind and hung up on me. Should n't they have attempted to contact me in writing? And should n't I have all of their contact information to provide to my XXXX company in case something can be settled? I 've researched their phone number online and see that they use these tactics all the time. I told them that my XXXX will do business with the original loan company and to have them call but they said it is too late. I 'm not trying to get out of paying anyone back, but these payday loan companies do n't want to take reasonable settlements and if I lose my job because of these phone calls and their methods than I wo n't be able to pay them at all which is what I told them last time I spoke with them. A claims investigator named XXXX XXXX keeps leaving me the messages. I 've also gotten recorded messages from a XXXX XXXX, do n't know if she is even real as when you call she 's not available. The message does not give their name, just threatens legal action if I do n't call them back and their number. Last time I called them, they called me back and started telling me how the XXXX company was taking money from me and not helping me. If I could set them up with consumer credit counseling I would but payday loan companies wo n't work with them. I have more than XXXX pay day loan which is why I am using the XXXX company to help me settle these loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a negotiation with the creditor for the payment of this debt. Once paid, I send comments to the credit report that were not agreed upon in the negotiation. the debt was paid so that the credit reports gave me back the points that they took from me at the time of the negative report. I appreciate your help in filing a complaint against the XXXX XXXX XXXX company this negative credit report that was paid in full and agreed with the creditor so that they would not report it with the comments with which they did. I paid on XX/XX/XXXX and a letter arrived a few days later with the comments they would make. certainly the letter was issued on XXXX XXXX but it came to my mail on XX/XX/XXXX ( I would have already made the payment on XXXX XXXX to a bank account or payment with a debit card ) in breach of the initial agreements. I present financial income problems, my wife was unemployed and I also for a few months, motivated by the global pandemic, my daughter became ill and since XXXX I have been the only supporter of my house and my family. He had no way to pay the monthly installments of the vehicle and for that reason he decided to deliver it. They did not give me another option to pay it and now they refuse to formalize a dispute for these reasons
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Equifax, XXXX and XXXX XXXX  XXXX with no successful resolution. XXXX, Equifax, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Product: Credit reporting or other personal consumer reports

Complaint to CFPB Regarding Equifaxs Failure to Properly Investigate Disputes To Whom It May Concern, I am filing this complaint against Equifax for its failure to properly investigate disputes regarding inaccuracies in my credit report. Despite my multiple submissions of disputes, including supporting documentation, Equifax consistently responds within 24 hours, claiming that the disputed accounts are accurate without providing any evidence of a thorough investigation.

This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputes submitted by consumers. The rapid response timeframe, coupled with the lack of detailed findings or supporting evidence, demonstrates that Equifax is not conducting a substantive or meaningful review of the disputes. 

Furthermore, Equifaxs actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), which prohibits unfair, deceptive, or abusive practices. The CFPBs recent administrative proceedings have highlighted the importance of adhering to the requirements set forth under these consumer protection laws. 

The following accounts are at issue in my disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] I am requesting the CFPBs assistance to : 1. Ensure Equifax reinvestigates these disputes in compliance with the FCRA and CFPA.

2. Hold Equifax accountable for failing to perform reasonable investigations and for any potential violations of federal law.

3. Require Equifax to provide detailed findings of its investigations and make the necessary corrections to my credit report. 

Equifaxs failure to comply with these legal obligations has caused me unnecessary stress and potential harm to my credit standing. I request your prompt attention to this matter to protect my rights as a consumer. 

Thank you for addressing this issue.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/2024. I saw some hard inquiries that did not have permissible purpose. i also attached evidence 1. XXXX XXXX XXXX  XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXX XXXX XXXX  XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b
Product: Checking or savings account

I have since closed the accounts and don't have specific info available. However, on 9 occasions, Wells Fargo applied overdraft fees when I knew I had sufficient funds. I spoke with Customer Service and was not provided a reason for the fees. The apx dates were between XXXX. I switched to XXXX XXXX  in XXXX and don't have the specific dates.
Product: Credit reporting or other personal consumer reports

I have been patiently waiting on their response to the written request I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Accounts XXXX XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, ( Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX.
Product: Student loan

Loan was opened in XX/XX/2005 for the amount of {$XXXX}. Monthly payments were supposed to be around {$XXXX} for 10 years with an interest rate of XXXX %. Part way through the loan XXXX XXXX became Navient. According to Navient I still owe XXXX} on this loan after making payments for 12 years. Even though this is not logically possible, Navient continues to charge me and will not review or correct the account.