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

Im writing to your company to report XXXX, XXXX and Transunion on the bases that they are furnishing incorrect information on my report and to complete the dispute process. Im demanding that the following information be deleted from my credit report as referenced in The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( b ) ( i ) ( c- ) ( f ) ( FCRA ). These items were supposed to be deleted no LESS than 4 days after my intial dispute due to their origin in nature ( Identity Theft as stated in US Code 1681 c-2 ). As stated in US Code 16819 ( i ), as investigation must be done to prove the validity of the accuracy of information being reported which has not been done/ The items I need deleted have been listed in the form of a letter sent to all three credit reporting services as of XX/XX/XXXX and again on XX/XX/XXXX. I am a victim of identity theft because I did not authorize these charges or accounts and they have been furnished on my report without my consent or knowledge. I did not make these unauthorized charges or open these fraudulent accounts. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items immediately as it is incorrect and thus hindering me from utilizing my own credit to afford essential expenses for myself and my family. This issue is frustrating and I just ask that I can be assisted in any way to help my situation.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that numerous transactions have been inaccurately reported. Pursuant to Title 15 U.S.C 1681a ( 2 ) ( A ) ( i ), a report should exclude information solely related to transactions or experiences between the consumer and the reporting entity. Unfortunately, the inclusion of such transactions has resulted in significant financial hardship and has had adverse effects on both my mental and financial well-being. 
I would like to draw attention to Title 15 U.S.C 1681n, specifically addressing Civil Liability for willful noncompliance. According to subsection ( a ) ( A ), I am entitled to seek compensation for any actual damages sustained due to the failure to comply, or damages ranging from not less than {$100.00} to not more than {$1000.00}. 

Below is a list of accounts displaying inaccurate transaction reporting : XXXX. XXXX : XXXX past due or late transactions reported XXXX. XXXX : XXXX past due or late transactions reported XXXX XXXX XXXX : XXXX past due or late transactions reported XXXX. XXXX XXXX : XXXX past due or late transactions reported XXXX. XXXX : XXXX past due or late transactions reported XXXX. XXXX XXXX XXXX XXXX : XXXX past due or late transactions reported XXXX. XXXX XXXX XXXX : XXXX past due or late transactions reported XXXX. XXXX : XXXX past due or late transactions reported This inaccurate reporting not only jeopardizes my financial standing but also raises concerns about the compliance of these entities with the aforementioned legal provisions. I am prepared to pursue appropriate legal action to rectify this situation and seek the compensation entitled under the law.
Product: Debt collection

IN THE COUNTY COURT IN & FOR XXXX COUNTY, FLORIDA , COUNTY CIVIL DIVISION XXXX XXXX XXXX XXXX XXXX Case No. : XXXX vs. Division : XXXX XXXX XXXX NOTICE TO SERVICER XXXX XXXX XXXX XXXX. 
ORDER TO RELEASE MORTGAGE NOTE # XXXX Ref. : XXXX XXXX XXXX XXXX Acc # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX as supposed Power Attorney of XXXX XXXX XXXXXXXX XXXX is hereby order to release Mortgage Note XXXX XXXX MIN # XXXX, Mortgage Account XXXX. XXXX XXXX XXXX falsely claimed interest as Note holder for XXXX XXXX XXXX as Trustee, base in XX/XX/XXXX Mortgage Assignment, recorded by XXXX XXXX that it has been automalically VOID by NOTICE OF CONTEST OF LIEN instrument, See XXXX County Official XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. 

Legal Action THIRD ( 3rd ) ATTEMPT OF WRONG FORECLOSURE on behalf of XXXX XXXX  XXXX XXXX XXXX shall be dismissed. Attached pertaining information of NOTICE OF CONTEST OF LIEN of your VOID Mortgage Assignment. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX DATE : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Down Payment for a home purchase on XX/XX/2022 in the amount of {$86000.00} to XXXX XXXX XXXX Inc.Acct # XXXXXXXX TD Bank.My lawyers email was hacked and this was the transfer instructions for the down payment. As far as I know to date the bank has a hold on the funds but not releasing them back to me. 
Thank you for your help.
Product: Vehicle loan or lease

I XXXX XXXX, have always believed in personal responsibility in maintaining an excellent credit history. However, in fiscal years XXXX and XXXX I faced multiple XXXX issues that basically kept me out of work. I always thought that I was making my credit card and auto payments within the 30-day grace period. Some of these payments may have been paid near the end of the 30-day grace period and werent posted until the next billing cycle. As a professional courtesy, I respectfully request an audited review of my payment history to see if any of the posted 30-day late payment histories can be deleted, or if I can be given a reasonable pardon for any indiscretions and have the prior payment history deleted altogether. I will maintain my payments professionally until the full term of the loan is over. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 

XXXX XXXX- XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX  XXXX- XXXX- UNAUTHORIZED INQUIRY XXXX XXXX XXXX-UNUTHORIZED INQUIRY XXXX XXXX- XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX-XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , Texas XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Factual data is now stating that my equifax report is still showing a block or alert, that I have no credit score and no accounts. Equifax says this is untrue and for factual data to call their business line. Factual data said theyll only talk to their contact they have there even though that contact was clearly wrong and unhelpful. Theyre costing me a house. My equifax score is over XXXX.
Product: Debt collection

Spire Recovery Solutions is using improper methods in order to attempt to contact me. 

My mother, who lives in another state in the XXXX United States, received a call on or about Friday, XX/XX/2024 asking for my whereabouts and a good phone number. The nature of the call or that the company was a debt collector was never disclosed in the call prior to asking for my information. 

Further, i have received repeated automated calls from spire recovery at various times of the day- may or may not have escalated to the rule of 7 in 7 days, however on XX/XX/2024 a direct voicemail was left on my phone that states only, " this is XXXX calling from XXXX. im trying to obtain location information for XXXX XXXX ( my full name stated in voicemail recording ) and spire requesting a call back. the voicemail is saved. there is no identification given by spire in the voicemails, or calls, prior to their trying to obtain personal information. transcript attached
Product: Debt collection

Just a few days prior to XXXX XXXX of XXXXXXXX XXXX XXXX XXXX  a third party debt consolidator my husband and I are using ) let me know that a company named Credit Control, L.L.C. was suing me for an outstanding credit card debt that was purchased from XXXX XXXX XXXXXXXX. I sent a Letter of Debt Validation on the XXXX of XXXXXXXX XXXX  to their offices that I was able to find an address for via a XXXXXXXX XXXX This piece got lost in the mail ( as I sent if Certified Mail so it could be tracked and taken if only signed for ) and I had the Postmaster look into the missing mail. They determined the address was empty and no business was there and had not been in a while. So I sent out another letter on XXXX, XXXX XXXX  to a now different address that showed up on XXXX XXXX and this one was marked as delivered on XX/XX/XXXX, XXXX. 

Today ( XX/XX/year> ), I received multiple letters in the mail for advertisements from Law Firms saying I was being sued by a company for credit card debt, and I can only assume it is Credit Control , L.L.C., but I have yet to hear any word from them via email, phone, or, more importantly, the mail with a letter of Debt Validation. As XXXX XXXX XXXXXXXX had told me the debt and card was Charged Off, I will not be paying a collector without Debt Validation.
Product: Student loan

My complaint is against Sallie Mae , Inc. and XXXX XXXX XXXX XXXX. I previously had a student loan through Sallie Mae that was paid/satisfied for {$940.00}. My bank, XXXX, was able to confirm this on a credit report from XX/XX/XXXX, when I was working with them as a first-time homeowner. In order for them to finance my house I could not have any open judgements.

I'm currently in the process of selling the house that was financed. On  XX/XX/XXXX, my realtor stated that the closing attorney located a judgement against me that would need to be paid from my closing proceeds. He sent me a copy of the judgement and it was the same one from Sallie Mae that was paid/satisfied years ago, except it had accrued interest. The balance was now {$2000.00} ( {$2000.00} by the time of closing ).

When I contacted Sallie Mae they stated they had no record of the  loan. They transferred me to Navient who also stated they had no record of the loan, so they transferred me to XXXX. XXXX was able to verify that the loan was sold to XXXX XXXX XXXX XXXX, so I requested that they contact me to discuss. When I spoke with XXXX XXXX XXXX XXXX  they stated they received the loan for collections in XXXX from Sallie Mae and had no record of a payment. I told them about the loan showing paid/satisfied on my credit report 7 years ago. The representative stated the credit report and/or a statement from the bank was not enough. I would have to provide a copy of the actual payment directly to them or Sallie Mae. The representative was very rude and stated " the issue is the loan was never paid in the first place '' meaning she did not believe me. I have been calling XXXX XXXX XXXX XXXX  and Sallie Mae for over a week trying to resolve this issue. None of the information or lack of information from both companies makes any sense. Since the judgement was

sent to my County 's Clerk of Court for civil processing directly from Sallie Mae , Inc., they should have a record of my loan account and the payment history. I just moved out of the house into an apartment for the closing, so all of my previous mortgage and student loan docs are in storage. XXXX stated they would try to search my checking account for transactions. However, it could take awhile since I'm unable to
provide any actual payment dates. I graduated in XXXX and the loan had to have been paid off between then and XXXX. The sellers closed on the house today and the loan payoff was taken out of my closing proceeds. I would like CFPB to investigate this unfair business practice of trying to collect on a loan that has already been paid/satisfied.
Product: Credit card or prepaid card

For the past several months I have come to learn that Capital One has been hiding/misleading I and possibly every other union member ( XXXX ) regarding Balance Transfer offers and fees. They have blatantly refused to honor the terms and conditions of their own terms and agreements provided with our accounts. 

For each of my credit cards, one business and the other consumer, I have a standing offer to execute a Balance Transfer at the current market APR % rate without a transaction fee. This is not a promotional offer, and can be opted for use at anytime of my choosing. 

However, whenever I attempt to execute a balance transfer online, the transaction ( s ) fail, thus forcing me to call into Capital One to process the transaction over the phone. 

My call is usually routed to a foreign country where the agent 's accent is very thick and the person rambles through the disclosures in the hopes I won't notice the fact my balance transfer now gone from {$0.00} to 3 % of the amount being transferred. 

Whenever I question this hidden fee, which again had not been disclosed within my original offer, the agent begins repeating the same canned response over and over, stating that there are no other Balance Transfer offers on my account. 
Which of course would not be true, because I would be looking directly at the terms and conditions of my offer in real time within the dashboard of my account, which again states a NO FEE per transaction offer.
Product: Credit reporting or other personal consumer reports

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

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


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


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

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

XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I've identified several discrepancies in my credit report 's billing section, showing late payments that are inconsistent with my payment record. Please correct these immediately.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) Dear FPB, I am submitting this formal complaint regarding the mishandling of my disputes concerning the XXXXXXXX XXXX XXXXXXXX account ( Account # XXXX ) on my credit report. This is the third attempt to resolve these inaccuracies. Despite prior disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, no changes have been made. 
The failure to address my concerns appropriately and correct inaccuracies violates my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Additionally, my account was directly impacted by financial challenges during the XXXX pandemic, as protections outlined under the CARES Act and 15 U.S.C. 1681s-2 requires leniency for accounts affected by national emergencies. 

Reasons for Complaint Violations of the Fair Credit Reporting Act ( FCRA ) : Investigation Requirements ( 15 U.S.C. 1681i ) : XXXX failed to provide a sufficient description of the investigation process. This is a direct violation of the FCRA, which mandates transparency in dispute investigations.

Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information on this account does not meet permissible purposes and standards required for accurate reporting.

Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued presence of inaccurate information infringes on my right to privacy and creates unnecessary financial harm.

Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : I have not received the required description of the investigation process within 15 days of filing my disputes. 
Violations of the Truth in Lending Act ( TILA ) : Disclosure Requirements : XXXX has failed to provide accurate disclosures regarding this accounts status, violating TILA guidelines. 
Federal Consumer Protections ( CARES Act ) : This account was directly impacted by the XXXX pandemic, during which financial institutions were required to provide deferments and protections under the CARES Act. 
XXXX XXXX Requested I request the immediate deletion of the inaccurate account information from my credit report. The account has multiple inaccuracies, including : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX High Balance : {$XXXX} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$XXXX} Closed Date : XX/XX/XXXX Account Rating : Paid Account Status : Closed Payment Status : Payment after charge-off/collection Two-Year Payment History : Inaccuracies for XXXX reported as charge-offs. 
Attachments : Copies of my dispute letters ( dated XX/XX/XXXX, and XX/XX/XXXX ). 
Identification and supporting documentation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

Our mortgage was sold to phh mortgage a division of ocwen financial corporation in early XX/XX/XXXX effective XX/XX/XXXX. We have several complaints : 1 ) No loan documentation or loan servicing information about transfer was sent until we called multiple times. They said they sent it and provided a copy ( see attached ) but you will notice that the date on their letter is XX/XX/XXXX and it was sent via standard mail not first class so it would not arrive until far too late. We paid our XXXX mortgage payment on XX/XX/XXXX because we didnt have the letter to know that autopay would also be done. 

2 ) The letter provided says no autopay will be done until XX/XX/XXXX. However, the funds were taken from our account on XX/XX/XXXX ( see attached screenshot as proof ). PHH didnt even follow the terms provided in their own letter that was sent standard mail the day before they took the money from our account! 

3 ) we have been attempting to obtain back the extra mortgage payment since XX/XX/XXXX. We have called over 40 times, no one calls us back, they say theyve sent checks, they cant send the funds back electronically, and the issue is still not resolved. We cant go without {$3000.00} for month after month!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX  XXXX {$3500.00} XXXX XXXX {$1100.00} XXXX   XXXX {$3300.00} XXXX  XXXX {$6900.00} XXXX   XXXX {$8500.00} XXXX  XXXX XXXX {$210.00} XXXX   XXXX {$390.00} XXXX XXXX {$1100.00} XXXX XXXX {$5000.00} XXXX XXXX {$820.00} XXXX  XXXX {$1300.00} XXXX & XXXX XXXX {$190.00} XXXX  XXXX {$320.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house, and there is inaccurate information on my credit report, which is defamation to my character and livelihood. Per the FCRA, Section 623 the accounts that have been charged off should not still be reported as such on my credit report. I have attached the accounts that are reporting incorrectly.

With these accounts, they are also all reporting multiple different dates of the last activity, which I have highlighted in the attached documentation, there are a total of 5 accounts that are reporting inaccurate for both of these issues.

Per 15 U.S.C 1681 there should not be any damages on my credit report.