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

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2. Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3. Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 
Demand for Immediate Action I demand the following actions, without delay : 1. Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2. Provide a comprehensive written explanation detailing your investigation process and results.

3. Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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

To Whom It May Concern I have been monitoring my 3 main credit reports with the intention of trying to improve my credit and maintaining a fair to good score from all three bureaus. There are 2 accounts that have been disputed and taken off my XXXX score/report, however they still appear on my Transunion and XXXX reports XXXX I believe my privilege of challenging/disputing said accounts are being ignored from the two agencies, which are resulting in inaccuracies in all 3 reports/my FICO score. 

I don't believe Transunion or XXXX are making any solid efforts to resolve this, as I have disputed both accounts with both agencies recently and yet they are still on my reports. Under 15 U.S.C. Sec 1681i ( a )?, they discrepancies must be proven to be accurate, or they must be deleted. 

The said accounts are XXXX XXXX XXXXXXXX XXXX in the amount of {$62.00}, which was disputed and removed from XXXX in XX/XX/22. The other account is XXXX XXXX XXXX which was disputed and removed from XXXX back in XX/XX/22. I have provided snapshots of all 3 credit reports for review. 

I have talked with an attorney friend of mine of this, and she believes my Fair Credit Reporting Act right are being violated, specifically Sec 15 1681 section 602. A ( which states a right to privacy ) and also section 604.A, section 2 ( which states a consumer reporting agency can not furnish an account without my written consent. ) I have filed a previous complaint to your agency about Transunion, your complaint ID # XXXX. I'm writing this as a new complaint and supplement to that complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts that are inaccurate and incomplete on my credit report with the XXXX, TransUnion, and XXXX. I began disputing the duplicate accounts and inaccurate accounts in XXXX of 2023 seeking for the accounts to be removed due to inaccurate information. It is now XXXX and the credit bureaus and creditors have failed to remove the inaccurate accounts from my credit reports. The duplicate accounts are in the amount of {$52000.00} and {$9000.00}. The creditors have reviewed the accounts and still reporting to the credit bureaus that the account in reporting under accurate information under the Fair Credit Reporting Act which is false. I have included documentation. XXXX reported the accounts as charged off on XX/XX/2023. On XX/XX/2023 XXXX proceeded to report an already charged off account as 120 days past due, again, drastically affecting my credit and daily life. This is uncceptable and XXXX fails to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Debt collection

I filed a complaint with your institution against XXXX XXXX XXXX because they placed an account on my credit that did not belong to me and they never contacted me before placing the account on my credit. Once I contacted you and wrote them another notice to advise them they were in violation of the FCRA the account was removed account number XXXX XXXX XXXX XXXX XXXX XXXX  

I am due to go into labor any day now and another collection company called IC Systems has placed the same account on my credit for XXXX XXXX XXXX account number XXXX they also have not contacted me or verified the debt- they just placed it on my credit. Keep in mind it was just 45 days ago that the account from XXXX XXXX XXXX in this regard. 

I have also filed a complaint with the bbb and the ftc
Product: Checking or savings account

I call Bank of America and they transferred me to their investment office in XXXX Washington I remember talk to Mr. XXXX where he look up my record and he said he could not access my account because my ex-wife was on my account but he said that my wife name was XXXX but maybe he could not read because her name is XXXX. I call their main office in XXXX, North Carolina and they never answer me I file a case in XXXX county court for discovery and they did not know where to file it and they sent to the appeals courts.
Product: Credit reporting or other personal consumer reports

Please, I would like you to investigate my credit report since I observed negative and incorrect elements that affect my credit. the check : XXXX XXXX XXXX
Product: Credit card or prepaid card

Synchrony bank did not apply my payments correctly and as a result I was hit with {$900.00} in deferred interest in XX/XX/2020 and again in XX/XX/2020 for XXXX. I had the payments set up to cover all of the promotional purchases and pay additional. They do not apply the payments to the expiring promotions first as they should after the minimum payments are satisfied for all of the other promotions. I spent hours on the phone with different people and two of the managers were just awful and just blamed me for everything Actually using the words that it is my fault. Constant interruptions and talking over me what I was trying to explain the problem and request a full review of my account how payments were applied and when. I actually didnt get to realize the problems that happened in XXXX until I called back and got another representative who actually took the time and reviewed my account. I asked to escalate to a manager above them and they said no they wouldnt even put me into a voicemail and somebody was supposed to call me back and they never did. I went online and sent an email and they said because of the nature of the complaint they were going to forward it to corporate never heard a word and its been months. I wanted paper statements and when I asked for them then my online statements got turned off and I couldnt see my promotions. This company has deceptive business practices and they set people up so they miss their deadlines for promotions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam a natural person, iam a living human being, I have rights under 15 USC.

Equifax is govern by 15 USC 1681. They violated my rights numerous of times. I demand the accounts listed below be removed because.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax permission to furnish these accounts. 

Accounts 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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The XXXX 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. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Student loan

I am a co-signer with my son on 2 private loans for a diploma he received at XXXX ( between XXXX and XXXX ). The loans for approximately {$20000.00} are through Navient. I am currently paying interest only payments and have gone through several forebearances. He was never able to get a job with his degree as they claimed he would. Can we get these loans forgiven because of XXXX  false information about job placement?!
Product: Credit card or prepaid card

When I opened my Chase XXXX XXXX card, I chose paperless statements. There is a statement under the checkbox for this online : " We'll still send you email reminders 10 days before your payment 's due. '' ( See attachment. ) My due date is the XXXX of each month. 

1. They NEVER actually send a paperless statement by email. I have NEVER received an emailed statement for this account. 

2. The payment reminders NEVER arrive when they claim they will. My last reminder arrived on XX/XX/XXXX, so it either was sent by Chase five days AFTER the XX/XX/XXXX statement deadline, or 26 days BEFORE my XX/XX/XXXX statement deadline. They specify nothing in these vague reminders ; they don't say which month 's statement they refer to ; they don't even provide a link to the statement in question. ( see attached image of this email, including date it was received. ) As a result, I have racked up late fees and interest charges from this confusion and lack of timely reminders, not to mention the fact that they AREN'T EVEN SENDING ME PAPERLESS STATEMENTS. All of these things tell me that they are doing EVERYTHING they can ( barely legally? ) do to set people up to rack up late fees and interest charges. 

I called them today to cancel paperless billing and have statements sent by mailit 's the only way I can reliably get the information in need in the time frame I need it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I just recently redeemed XXXX  Thankyou points as it was stated that I had XXXX points expiring on the Thankyou website- believing that this would be an accurate number. However recently Citi reduced my balance by an additional XXXX of points that were not shown as expiring as Citi doesn't actually give an accurate account of expiring points ( after some research on the Web it appears this is a known issue with their site ) .. As I as a consumer relied on Citi 's system to show me the proper balance that was expiring ( hence the reason I took action and transfered the points citi was showing as expiring ). I only transferred the XXXX  points to ensure I didn't forfeit any. Had the balance shown the correct amount I would have transferred them to a partner prior to expiration, but relied on the improper account as shown in the screenshot below. I ask the following :. Please return the XXXX   points into my account and extend the expiration a nominal amount so that I can redeem them. 
2. As I have looked into this incident on the web it appears customers of Citi have had this issue with displaying improper expiration since at least 2016. As this is a feature consumers rely upon, I request your IT department look into fixing this. Showing improper amounts and then forfeiting points of customers who rely on this as an accurate number from Citi strikes me as abusive and I myself am frustrated in having to spend significant time correcting an issue that appears to have been known by Citi for quite some time.
Product: Credit reporting

I logged on annualcreditreport.com, I requested my credit reports from the XXXX agencies but, I was not able to receive Equifax report nor, was I given an option to request that it be mailed to me. I did receive my reports from XXXX and XXXX but the Equifax site was unresponsive. When I called Equifax, I was told that I had to purchase my credit report ; I have not requested or received a credit report from Equifax in over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and requested the Method of Verification for this account many times, all without an response. Also this very account was moved in XXXX, XXXX due to identity theft, however it was reinserted between the months of XX/XX/XXXX and XXXX of XXXX. And by the laws of the FCRA as my consumer rights, a company can not reinsert an account without giving a 5 day notice to do so, and on any occasion this did not happen. I'm demanding that this account ( Navy Federal Cr ) be removed from the credit reporting agencies immediately. Being a victim of anything is not good, but continuing to be one is painful. Not sure which is worse getting my identity stolen or constantly going thru this.
Product: Mortgage

Starting before XX/XX/XXXX, we have been paying our mortgage using our bank 's billpay option. We pay half on the first and then the second half when it is due on the XXXX. We overpay our mortgage by {$100.00} each month and pay biweekly to cut down on the accrued interest. In the fall of XXXX, we were notified that our first payment of the month was put in a suspense account and would only be applied when the full amount was received. I called and spoke with the company and explained our payment process and at no time during that call ( or subsequent communication ) was I informed that this was a problem. 

We continued to make our monthly payments ( and overpaying by {$100.00} each month ) and have never been late. 

In XXXX of XXXX, we attempted to get a loan and the bank alerted us to 4 " late '' payments on the Ocwen account in XXXX. It is concerning because we have paid on time, every time and have overpaid. We had an established method of payment for 6 months prior to being marked late and nothing changed on our end. 

We have called 10 plus times this month and discussed with Ocwen representatives, who at first said they would not change their reporting to the credit bureau because they would incur a fine. After we faxed documentation supporting our claim ( mortgage statements and bank withdrawals ) they agreed and were recommending our account to be corrected to show our payments were made in full and on time. To date, they have not honored this recommendation.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX  Account numberXXXX Account name : XXXX XXXX Account numberXXXX  Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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: Debt collection

I owe nothing to XXXX XXXX XXXX. 
The apartment was provided and returned in squalid conditions and the apartment manager did not show up for nor respond to any communications for the move out. 

Additionally, they did not show up for the lawsuit which detailed their negligence of the property which includes certified reports of Asbestos, which they worsened by illegally drilling into my bathroom walls and leaving substances exposed. 

Same for Black mold, Oil Spills which went without clean up for weeks, and the list goes on. 

This is an illegal debt collection attempt on behalf of both XXXX and Hunter Warfield.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX Account # : XXXX Balance : {$13000.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXXXXXX 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 XXXXXXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Mortgage

During a refinance an auto payment was made to the existing loan {$1400.00} but was held because the closing had already been scheduled. After the closing Freedom Mortgage couldn't account for that money. I have called multiple times to the servicing and closing departments and neither can reconcile. First they claimed it went to the original loan, then claimed it was applied to the new loan, then claimed it was transferred to escrow, as yet they have not been able to provide a statement that accounts for the missing money. Most recently I spoke with XXXX XXXX Closing advisor Direct line. XXXX. He escalate the request for updated closing and payoff documents more than a month ago. I also spoke with XXXX ID # XXXX and XXXX ID # XXXX each claimed to sending those requested documents but after 2 months neither have, I have requested a supervisor call to resolve and have never received a call back yet.
Product: Debt collection

I received a phone call at my job about a think cash loan from 2011. The person told me that the debt had been charged off. He said he had a file related to my social security number and verified my date of birth. He proceeded to tell me that I am going to be sued for defrauding a bank and charged with writing a bad check. After asking me a series of questions, he then said did I want to pay the $ XXXX on my own or take it to court. I told him I could n't discuss it with him right now because I am at work. He asked for a number I could be reached at, I did n't give him one. I took his number XXXX XXXX. He told me he worked for Cooper, Hoffman, Klein and Associates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. I did a XXXX search and saw that the phone number given was associated with a scam. I also did a XXXX search on the address and that law firm does n't come up for that address.