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

My TransUnion credit report has absolutely no record of any reporting on my 2 credit card accounts with XXXX XXXX. I have made many phone calls to both XXXX XXXX and TransUnion over the past several months but this problem is still not solved. 

TransUnion says that XXXX XXXX is not reporting. XXXX XXXX says they are reporting. TransUnion tells me to contact XXXX XXXX. XXXX XXXX  tells me to contact TransUnion. Nobody is willing to take action to solve this problem. 

I wrote a letter to TransUnion to dispute my incomplete credit report on XX/XX/2019. They responded by sending me a copy of my credit report. However, I was not requesting a copy of my credit report. Rather, I was disputing the incompleteness of the report. 

By failing to properly respond to my complaint within 30 days, TransUnion has violated my rights under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code XXXX XXXXc-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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the validity of an account held by your company, XXXX XXXX XXXX, as it pertains to my personal financial records. Pursuant to the provisions set forth by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request a comprehensive investigation into the alleged debt associated with the aforementioned account. 

Account Details : Account Number : XXXX Original Creditor : XXXX XXXX Date of Account Opening : XX/XX/2022 Amount in Dispute : {$150.00} I believe there may be inaccuracies and discrepancies regarding the aforementioned account. Under the FCRA, I am entitled to receive a written response within 30 days of this letter and a detailed investigation into the matter. During this investigation, I kindly request that you provide the following information : Verification of Debt : I request that you provide valid documentation verifying the debt, including the original contract, signed agreement, or any other pertinent documents proving my liability for the alleged debt. It is essential that the documents clearly establish my obligation to pay. 

Verification of Creditor 's Authority : Please provide proof that XXXX XXXX XXXX has the legal authority to collect on this debt and that the debt was assigned to your company lawfully. 

Validation of Reporting : If you have reported this debt to any credit reporting agencies, please provide proof of accurate reporting. I request that you furnish any supporting documentation demonstrating that the account information has been correctly reported, including dates and amounts. 

Cease and Desist : In accordance with the FDCPA, I kindly request that you cease all communication with me regarding this debt until the investigation is complete. This includes phone calls, letters, and any other means of communication. Please restrict any contact to providing me with the requested documentation and notifying me of the results of the investigation. 

Failure to comply with the aforementioned requests may result in legal action. If it is determined that any violation of my rights under the FDCPA or the FCRA has occurred, I reserve the right to pursue all available remedies under the law. 

I would also like to request that you confirm in writing that this dispute has been received and is being investigated. Additionally, I kindly request that you provide me with the contact information for your designated agent for service of process, as required by the FDCPA. 

Please direct all correspondence, including the requested documentation, to the address listed at the top of this letter. I appreciate your prompt attention to this matter and your cooperation in resolving this dispute. 

If you do not any proof, you must delete this account immediately.
Product: Credit reporting or other personal consumer reports

SUBJECT : URGENT : Failure to Block Fraudulent Credit Reporting Following Identity Theft Notification Dear Consumer Financial Protection Bureau, I am writing to express my concern and to file a formal complaint regarding an ongoing issue with a consumer reporting agency. Despite my efforts to rectify the situation through proper channels, there has been a failure to act as required by law. 

On XX/XX/2024, I took the responsible step of notifying the appropriate agency via certified mail that I had fallen victim to identity theft. However, as of XX/XX/2024, the incorrect information stemming from this crime is still being reported. 

Under Section 605B of the FCRA, consumer reporting agencies are mandated to inform the furnishers of the information, which includes financial institutions, of the potential fraud identified in the reports. It is their duty to acknowledge that an identity theft report has been officially filed. I have supplied them with the necessary documentation, including FTC report numbers XXXX and XXXX, and have requested a block on the fraudulent information as per the guidelines. 

Furthermore, according to Section 623 ( a ) ( 6 ), once the furnishers receive notification along with all requisite documentation specifically, proof of my identity, a copy of the identity theft report, the identification of the fraudulent information by myself, and my declaration that this information does not pertain to any transactions I have made they are legally required to cease reporting this information within 4 business days.

Regrettably, this has not been the case. All the necessary steps were completed on my part, and supporting documents will be included with this complaint. The agency 's failure to block this fraudulent information within the stipulated timeframe constitutes a violation of FCRA 15 U.S. Code 1681c-2. This oversight is subject to penalties and makes the agency civilly liable for any damages I have sustained due to this noncompliance, as outlined in 15 U.S. Code 1681n. 

I trust that the CFPB will address this matter with the urgency and seriousness it warrants. 

Sincerely, XXXX XXXX
Product: Mortgage

The mortgage company failed to inform me that my mortgage payments increased in XXXX. They later returned my payments for XXXX, XXXX and XXXX, and asked me to hold sending in further payments until further notice. When I called them to find out why my payments were being returned, they informed me that the payments were not for the correct amounts. They then told me that my property was in foreclosure and I had to pay a certain amount to have the loan reinstated. The amount they were asking was almost twice the amount I owed for returned payments plus the 2 months that the payments were being held. The mortgage company wouldn't speak with me about the loan because my account was being represented by a chapter XXXX attorney, who also failed to keep me up to date with the issues regarding the loan.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, XXXX, some company called me about a payday loan I took 2 years ago, they keep disturbing me with calls and threatened I will be served at court. They said I have to pay XXXX, I dont even know how they came up with that amount. And why they are just calling me after 2 years now. They force out XXXX dollars out of me which is money I dont really have. I only work a minimum part time job which I can barely do things for myself. They want me to pay every weekly which I can not not do. They were kind of rude to me on the phone. I am just hearing about this today without giving me time or nothing but saying I will be taken to court. They call me with an odd number which is XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX  XXXX Account ( Account Number : XXXX ) Dear CFPB, I am filing a complaint regarding the inaccurate reporting of late payments on my credit report for the XXXX  XXXX account ( Account Number : XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, Equifax is required to ensure the accuracy of the information in consumer files. The continued reporting of incorrect late payments violates this obligation.

TILA Violations : According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account indicates a failure to meet this requirement.

The following 30-day late payments have been inaccurately reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These inaccuracies are causing undue harm to my creditworthiness and financial standing.

Desired Resolution : Immediate removal of the inaccurate late payment notations.

Written confirmation of the correction.

Please consider this letter as my formal dispute. If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the CFPB and other relevant authorities. 
Sincerely, XXXX XXXX
Product: Debt collection

I do not owe lobel financial any money. I do not have a contract with this company. Im requesting they stop reporting this negative item on my credit. Im requesting they ceast & desist and to only contact me by postal service. And since Im asking you to ceast and desist. You cant report any negative items on my credit. Delete this negative items ASAP. Or I will sue you In court. Fcra lets me to sue you.
Product: Debt collection

Im receiving a debt collection letter dated XX/XX/XXXX from Transworld Systems Inc on the behalf of XXXXXXXX XXXX XXXX XXXX for XXXX. I dont owe anyone no money and I am wondering how they got my info. My account is always in good standing. It do not sound like this is a official company and the lady did not conduct herself in professional manner. 

Transworld System Inc XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX
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. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX creditor XXXX formerly 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 Capital one- # XXXX XXXX XXXX  # XXXX XXXX # All 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 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 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: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXXXXXX. Account # : XXXX Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted.

2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement.

3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years.

4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.
Product: Vehicle loan or lease

Kia Motors Finance XXXX XXXX XXXX XXXX TX XXXX Kia Motors Finance XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX Dispute of Account Account Number : XXXX Our File : XXXX To Whom It May Concern : This letter is written on behalf of XXXX XXXX who leased a XXXX XXXX XXXX from the XXXX  XXXX of XXXX dealership on XX/XX/XXXX. He is in receipt of your letter dated XX/XX/XXXX wherein your company claims a balance of {$400.00} is owed. 
XXXX XXXX asserts that when he returned the leased vehicle to your company he did it in a timely manner. Moreover, he maintains he returned both keys associated with the vehicle. Enclosed please find proof that demonstrates not only the return of the keys but acknowledge of its return by XXXX itself. In light of the aforementioned, XXXX XXXX hereby demands your company cease and desist from any further collection efforts against him and notate that his account has a zero balance. Please be advised that if we do not receive a satisfactory written response to this letter within ten ( 10 ) days of your receipt of this letter, we will advise XXXX XXXX XXXX as to the legal avenues available to further protect his legal rights. 
Sincerely,
Product: Debt collection

Company has reported debt to credit agency that is false. They have repeated call multiple time a day and refuse to speak with me about the account without giving them personal information over the phone such as my social security number or birth date. They have made no attempt or allowed me to Identify myself through address or phone number. They have provided zero written proof that the debt exists. The last phone call today they refused to give me their business address so I could send them a written correspondence. They have also refused to answer what state they are licensed to do business in. When I try to go to the website of the company and put my personal information in it says that no records are found.
Product: Debt collection

I have been repeated called by XXXX XXXX after changing my number two times and making my number unlisted. They have pestered me to death several times a day. I am a day sleeper and the constant calls are driving me nuts. This bill was to be paid by my ex-husband as a part of my divorce. That was over 5 years ago. Please help me to get these people off of my back. I have no intension of paying them. Thank You
Product: Debt collection

This entity does nOT have authority to sell my house. I paid the bank directtly from an escrow trust company already XXXX cash that paid off the loan of XXXX with XXXX, I paid off the taxes and the property is in appeal with the court and I seek damages for abusing me economically and legal harassment. THIS IS MY HOUSE I PAID IT OFF IN XXXX. 
WHO IS THIS COMPANY AND WHAT IS THEIR AUTHORITY TO RETAIN MY CASH AND ALSO SELL MY HOUSE IT IS I MY NAME AND I HAVE TITLE TO IT.
Product: Mortgage

I refinanced my the same company in XX/XX/2021 for a lower rate. Then about a month ago Rocket Mortgage cold called me and said they had made an error in closing out my previous escrow account and I owe them {$3600.00}. I was shocked and asked for documentation to analyze. The sent confusing document same day and called me every day after until I told them to back off as I have a full time job, family and other complications in my life. They took 8 months to find their error and expect me to pay up in 24 hours! I will not be bullied. I've kept in contact with them and I've done my due diligence. I've since uncovered that they have made some serious accounting errors and they likely owe me more money. I'm sending them my spreadsheet analysis and am happy to share all the details as well as the lengthy email thread I've had with their 'Servicing Escalation Specialist '. I'll note that they've admitted the error was theirs and that I warned them back in XXXX that I thought there was an error. I proof of all this. 
What rights do I have against a company asking me to refund escrow money without sufficient proof? Should someone be asking how they were able to XXXX up my escrow so badly? They said that they sent my Earthquake insurance payment with those of other customers and resulted in an overpayment. That was returned to me from the insurance company and could only go to me as the policy holder. Now they want that back but I have evidence they've already taken it. Please help me force them to prove their claim pay me mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters about this particular error on my credit report. In the Public Records section, it suggests I have a US Bankruptcy. I am asking for a method of verification for this. Please delete this error and provide me with the methods you use to report this information within 15 days. Thank you. 

Attached : Item in question
Product: Student loan

I BORROWED {$49000.00} FOR COLLEGE IN XXXX SEPARATE STUDENT LOANS. MY FATHER CO-SIGNED THE FIRST XXXX. I APPLIED THROUGH XXXX XXXX WHICH IS NOW NAVIENT. I GRADUATED IN 2006 I HAVE BEEN PAYING ON MY LOANS FOR TEN YEARS. TO DATE I HAVE PAID OVER {$42000.00}. NAVIENT SHOWS THAT I STILL OWE {$53000.00}. MY AVERAGE PAYMENT IS $ XXXX MONTHLY WITH TIMES PAYING UP TO {$2000.00} A MONTH. I GRADUATED IN 2006 AND NAVIENT STATES I WILL BE PAID OFF IN XXXX. I WILL BE XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months I have been attempting to recover from several instances of identity theft. Despite paying for a premier fraud monitoring plan with XXXX, I didnt become aware of the thefts even as it continued until I applied for a business loan and was denied in XX/XX/2021. 

Seven years ago I knew a few accounts were delinquent following a divorce and my ex wife not following our settlement agreement despite the judges reprimands. Accounts under my name were paid late as a result and I knew the seven years were up based on personal memory, bank records, and lawyer fees and our divorce date. 

I didnt expect to see car loans and hospital bills and an eviction from the recent past. XXXX got in the way and did everything it could to hinder the next steps in recovering from the identity theft. 

1. There isnt a dedicated fraud specialist. And there isnt any inside assistance provided on how to best coordinate a response. I never got one email from a fraud specialist answering my questions. 

2. No one told me that I had potential insurance for identity theft related expenses until after I had performed much of the work on my own and had done so without any expert advice that the insurance claims it would pay for. But its highly unlikely anyone ever receives this assistance because I had a reservation of right letter emailed back to me just a matter of days after I submitted my initial request for a lawyer and to be reimbursed several XXXX dollars for usps mail charges ( receipts for everything were included ). I needed a lawyer to help me do the things the carrier said needed done but the carrier denied my request for that lawyer because I couldnt provide certain evidence first. 

3. Eventually I had all eight accounts removed stemming from the identity theft. I submitted dozens of online and mailed disputes. XXXX does utilize a document upload feature for online disputes but it doesnt work. Oftentimes I would spend more time trying to correct an error alert from their dispute page only to find out even after corrected that the dispute required me To mail in yet another copy of my ID, police report, etc etc. There is no central location for a consumers so literally every attempt at communication requires another ID and supported paperwork. Thats great if you offer a modern system that allows seamless verification or if in the alternative the us mail system was reliable and timely. 

4. Several months later, I am still battling XXXX to remove four accounts that are over seven years old and should have been removed long ago. ( XXXX XXXX, XXXX, XXXX and XXXX ). Additionally, there are at least four recent hard credit inquiries that they wont remove that are clearly not connected to me. The four accounts are the same ones that stem from the divorce now eight years ago and the inquiries are from the past year when the last thing I was doing was authorizing anyone to pull my credit.