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

On XX/XX/scrub> 2024, I sent a formal dispute letter to Equifax regarding a fraudulent account on my credit report resulting from identity theft. The letter was sent via certified mail and received by Equifax on XX/XX/year>, per USPS Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX. They simply responded as a delay tactic because I responded with all of the requested information originally and have pictures of all of the documents I sent to them time stamped. 

I provided all required documentation, including : FTC Identity Theft Report ( Report Number : XXXX ) Police Report Proof of Identity Under Section 605B of the Fair Credit Reporting Act ( FCRA ), Equifax was required to block the fraudulent account from my credit report within 4 business days and notify me of the resolution. However, Equifax has failed to : Remove the fraudulent account from my credit report.

Provide any written notification regarding the status of the investigation.

This inaction is a clear violation of the FCRA and has caused significant harm, as I am in the process of securing a mortgage and the presence of this fraudulent account is delaying my ability to proceed. 

Disputed Account XXXX XXXX, Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have a fraud alert on my credit report due to identity theft. I received a letter from a company about a data breach 3 months ago. I've mailed a certified letter twice about this issue to all three credit bureaus. Asking them to remove that item from my credit report. My identity was stolen from an insurance company. They told me to contact the Trade Commission and I did. They did not dispute the letter I sent to them.
Product: Checking or savings account

I applied for a Citizen 's bank checkings + savings account in order to take advantage of their {$600.00} promotional offer on XX/XX/XXXX and was approved the same day. 

The promotion was a public offer by clicking on the following hyperlink : XXXX  : XXXX *Please note that the page does not exist anymore, but was a public online offer that was accessed by hundreds, if not, thousands of people. 

The offer is as follows : Citizens Bank is offering a bonus of up to {$600.00}. Bonus is broken down as follows : - Get a bonus of {$300.00} when you open a new one deposit checking or Platinum checking account and make a direct deposit of {$500.00} or more within 60 days - Get an additional {$200.00} when you open a new green savings or platinum savings account with a minimum of {$15000.00} not currently on deposit with Citizens Bank and maintain that balance for 3 months - Get an additional {$100.00} when you do both I completed the checkings Direct Deposit of {$500.00} on XX/XX/XXXX. 

I completed the savings deposit of {$15000.00} on XX/XX/XXXX. 

As of Citizens bonus payout time table, I was expected to be paid {$600.00} by XX/XX/XXXX. 

Till this day, XX/XX/XXXX. I have not received the bonus and have been in contact with multiple representatives from the escalation team, to the marketing department who have not been able to locate the promotion. They told me that are not able to do anything. 

I feel cheated out of my money, which was essentially a free loan for the bank. I feel deceived and ripped off from this institution who promised to pay {$600.00} for a person to complete their tasks ( which I did ) and as a user acquisition cost. 

They advertised this promotion and should honor it for those who have completed the terms. My money was tied up with citizens bank for the entire duration and I want to be fairly compensated as they promised for their promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is regarding account # XXXX for XXXX XXXX. 

This is a dispute letter regarding an account for XXXX XXXX XXXX. 
I originally purchased a vehicle for a 12-month lease on or about XXXX. Once the 12-month lease was up, I had the option to either turn the vehicle in and they will bill me the disposition fee or take it out of my original down payment of {$970.00}, or if I still needed the vehicle, I would have to put down another down payment for an additional 12 months. I opted to return the vehicle, which I was informed by the account rep that I had until XXXX to return the car without any additional fees being added. The account rep also informed me that if there was any damage or additional fees ( disposition fee ) that it would be taken out of my initial down payment or I would be billed for whatever amount remained. 
When I returned the vehicle on or about XXXX ( I had purchased another vehicle several days prior ) I was also informed that if there were any additional fees that did not apply towards my initial down payment that I would be billed. 

1 year later, I checked my credit report and the finance company of XXXX XXXX, has recorded a charge off amount of {$12000.00} with a 39-month term and a monthly payment of {$310.00} on my both my XXXX and TransUnion credit files, and {$6300.00} for 12 months on another with a monthly payment of {$150.00} on my XXXX credit file. 

My agreement was for 12 months with the option to lease again at the end of my 12 months and a monthly payment of {$150.00}. As of XXXX/XXXX/XXXX, this company was paid a total of {$7000.00} from XXXX to XXXX. This vehicle was returned on time with no additional monies owed. 

Furthermore, I contacted the company in XXXX XXXX to ask for my credit report to be adjusted from the amount owed/charged off amount of {$6300.00} to be corrected. The account manager then informed me that the amount that is seen is what was financed and not owed. At this point the finance company is refusing to correct their issue. After I disputed this issue in XXXX XXXX, XXXX XXXX sent me an email, with a settlement offer for {$220.00} ( for an amount I did not owe ). I asked that if I paid the amount would they removed it off of my credit report, I was told no. 

I have since called the dealership in which I leased the vehicle ( XXXX ), to request a copy of the signed leased ( I have moved since I purchased the vehicle and a lot of paperwork was lost ). I was informed by the Sales Manager that they were under new management and that they no longer have those files ( he did attempt to look for my file in their system ). I was then told to call the finance company, which I did. I asked if there was any way that I could get a copy of the signed leased and I was told no and that I basically had no rights to dispute. I was told to pay the {$220.00} and that the charged off amount would remain on my all of my credit reports for the allotted time. I have disputed this issue with the credit bureaus several times and still no resolution
Product: Debt collection

On XXXX XXXX 2015 I mailed ( via Certified/Return Receipt ) a " cease and desist '' letter to Resurgent Capital Services. Letter was received and signed for by a XXXX XXXX on XXXX/XXXX/15. Today, XXXX/XXXX/15, I received another " debt validation '' lettter from Resurgent Capital Services dated XXXX/XXXX/15. 

USPS Article Number : XXXX XXXXText of Letter sent : Gentlemen : I am writing in response to your letter of XXXX XXXX, 2015 in connection with your proposed collection of the above-referenced " debt ''. 
After thoroughly researching this matter, it is obvious to me that I do not owe what your firm claims I owe. In fact, I emphatically dispute this alleged " debt ''. As I am aware of my rights under the Fair Debt Collection Practices Act ( hereinafter " FDCPA '' ) as well as Texas State law on the subject of debt collection, I dispute the validity of this debt. 
Please let this letter serve as formal notification that I consider this matter permanently and forever closed, and I hereby demand that your firm or any of its affiliates immediately cease and desist from any further contact with me regarding this matter except that I demand your firm confirm with me, in writing, that your debt collection efforts in the above matter have been immediately terminated or that you or the " creditor '' are taking specific actions permitted by the FDCPA or pursuant to Texas State law. 
Please be advised that I will consider any further contact of any kind from your firm or its affiliates ( except as to the above-mentioned confirmation by your firm that the referenced matter is closed ) to be in direct violation of the FDCPA, and that any such further contact from your firm or its affiliates will also be considered a violation of the laws of the State of Texas pursuant to debt collection. As such, please be further advised that any further communication ( whether written, oral, electronic or otherwise ) by your firm or its affiliates will, in fact, be reported to the Texas State Attorney General and the Federal Trade Commission. As I am sure you are aware, violations of the FDCPA may result in, among other things, your firm being fined up to {$1000.00} per incident. 
Please be guided accordingly, Very truly yours,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX  XXXX Balance : {$0.00} 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

XX/XX/year> I had submitted a letter to TransUnion LLC asking to verify and validate all data for this account, every notation, dates and balances, whether reported or not. These inquiries were made without my knowledge or consent. I was never provided proof that I consented to these inquiries therefore my consumer rights were violated via FCRA section 609 and 605 as well as the failure to prove accuracy of these inquiries violated my consumer rights via FCRA section 623. I demanded that the accounts were to be removed immediately.

Letter Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX. Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/year> The accounts came back verified. I still noticed the same errors on my credit report. I had then submitted another letter to TransUnion requesting methods of verification giving them additional 15 days. In accordance with FCRA via Section 611 for the accounts listed below, Letter Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX. Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/year> After the 15 days TransUnion sent investigation result REPORT # XXXX these accounts came back verified again. I've sent another letter to TransUnion with a few questions : what did they update? What did they modify? Did they really reinvestigate my accounts? If they did, why is the open date different from the other two credit bureaus, why is the date last active different, why are my accounts still inaccurate? I am demanding the accounts listed be deleted due to violations of 15 USC 1681i ( 5 ), 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2. 
Letter Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX. Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX   XXXX XXXX, XXXX  XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANKING XP B XX/XX/XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX/XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX/XXXX BANKING Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX
Product: Debt collection

Received a phone call from XXXX XXXX saying he was with a third party trying to collect a debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX Their internal reference. # XXXX. He claimed to represent the firm McCarthy , Burgess , & Wolff. gave telephone number XXXX Ext. # XXXX. Their address XXXX XXXX XXXX, XXXX, Ohio XXXX, email : : XXXX I went and reported this to my credit union bank rep. He told me it sounded fraudulent to him and gave me info to report to FTC fraud dept. I have never lived or visited Illinois and have lived in Virginia all my life.
Product: Checking or savings account

Started supposedly a new job back in XXXX of last year, but resulted to be a scam, try to get my money back. The scammers asked for more money, stop sending my savings with at the moment i lost, trying to see if i can get help but it has been hopeless case. Lost more {$14000.00} dollars that had back then in my savings and checking accounts with bank of America and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX Account Number : XXXX Balance : {$17000.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 

INQUIRY : XXXX : XXXX XXXX XXXX on XX/XX/year> These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting inaccurate information to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Student Loans Report differently on all XXXX bureaus XXXX XXXX XXXX. 

XXXX {$35000.00} Exquifax {$30000.00} TransUnion {$35000.00} FCRA 15 usc 1681b ( a ) ( 2 ) - No Permisible purpose I never gave XXXX, XXXX, or TranUnion written consent to furnish anything on my report. 

15 usc 1681a -Rules of construction
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX XXXX XXXX : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 inquires XXXX XXXX XXXX XX/XX/2019 and Transunion XX/XX/2019 2019
Product: Credit reporting or other personal consumer reports

I retrieved my credit profile. Upon reviewing I noticed several incorrect accounts. I sent a debt validation letter to each of 3 credit reporting agencies XX/XX/year> regarding late payments accounts in collections and inquiries. I did not receive any response from XXXX regarding my Debt validation letter I sent certified with signature required. Equifax and XXXX did respond with a letter asking for more time to respond to my debt validation letters in which it has now been 60 days over due for a response. I recently sent a Cease and Desist to all 3 credit agencies on XX/XX/year> and XX/XX/year> demanding to take legal action if the accounts was not resolved by the time given in the Cease and Desist letters.
Product: Debt collection

Greetings, I have been contacted via several emails and a postal letter by : Aldous & Associates, XXXX XXXX XXXX, XXXX, UT XXXX The above contacted me about a debt not owed by me for my daughter in her student housing apartment complex, XXXX XXXX, in XXXX, Kansas. My daughter moved out officially on XX/XX/2023, and all utility bills were paid as can be seen in the attached files. If XXXX XXXX didn't acknowledge the payments it's because of the depth of ineptness within the XXXX management ; namely an assistant by the name of XXXX XXXX. 

In a telephone conversation, I asked for details of the alleged debt as nothing specific was mentioned. The letter only states : 'defaulted contract with the company, ' I was told in the letter to respond with a phone call or in writing by XX/XX/2023, to avoid any collection actions. I did so with a phone call. However, contrary to their statement of no action before XX/XX/2023, they had already posted a derogatory comment on my XXXX Credit Report on XX/XX/2023 ; an action inconsistent with their alleged policy. They are ignoble liars. Furthermore, on XX/XX/2023, I was advised in a telephone conversation with XXXX XXXX, a representative of Aldous, that I would receive an email that detailed the amount owed within 24-48 hours, but that never happened. Had I received that letter I would have had the time to respond in writing via overnight express mail, and stopped any collection activities or notifications to credit reporting companies, according to them. But unfortunately, their word and statements amount to nothing more than lies, and misleading letters and phone calls with their representative.

Two issues : The company lied about sending detailed info about the alleged debt. 
The company posted derogatory info to credit bureaus before the deadline to disagree. 

I want Aldous to pay the statutory amount to me as a consumer for their unscrupulous behavior, and remove all derogatory info from my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act CONSUMER ADJUSTMENT CO Account # 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, credit repair services, or other personal consumer reports

equifax, XXXX  AND XXXX is holding inaccurate information on my credit report :
Product: Debt collection

Medical bill shouldnt be on my credit. I have health insurance that the hospital verified. I think it should be off my credit because I was not aware of this debt and nobody contacted me about this debt. It just happened to be on my credit
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Address None Provided Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan.
Product: Vehicle loan or lease

I am writing to file a complaint against PenFed Credit Union regarding their practices that make it extremely difficult to pay additional principal on my auto loan. Their current procedures impose unnecessary delays and restrictions, which I believe are unfair and detrimental to consumers. 

To pay additional principal on my auto loan, PenFed Credit Union requires that I first deposit the funds into my PenFed savings account. However, this process is inefficient and problematic for the following reasons : Delay in Fund Availability : Even after the money is debited from my checking account and deposited into my PenFed savings account, the funds are not marked as available for over five days. For instance, I made a deposit to my PenFed savings account on a Monday. The money was debited from my checking account on Tuesday, but as of Thursday, the funds were still not available in my PenFed savings account. This delay prevents me from making timely additional principal payments on my auto loan.

Hindrance to Loan Repayment : The requirement to use the PenFed savings account for additional principal payments, coupled with the delay in fund availability, hinders my ability to manage my loan effectively. This delay can potentially lead to higher interest costs and frustrates my efforts to pay down the loan principal more quickly. 

These practices seem to be designed to create obstacles for borrowers attempting to pay down their loans more aggressively, which is not in the best interest of consumers. I believe that this practice is unfair and contrary to the principles of consumer protection. 

I kindly request the CFPB to investigate this matter and take appropriate action to ensure that PenFed Credit Union revises their policies to allow for more efficient and consumer-friendly methods of making additional principal payments on auto loans. Specifically, PenFed should allow direct payments toward the principal without requiring the use of their savings account, or they should ensure that funds deposited into the savings account are available for use within a reasonable timeframe. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.