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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX 15 U.S.C. 1692c ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent. 

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector. 
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal Law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am a victim of identity Theft. I have accounts opened under my name fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please review and remove these fradulent accounts. 

Thank You!
Product: Student loan

PHEAA/AES has a " policy '' that seems to allow them to force the payment processing time up to 2 business days in order for them to actually Post the payment. This would not be an issue, except for the fact that PHEAA/AES reflects an account as still being past due even after the threshold of time has been surpassed for the specific Payment Effective Date. So, in essence, they are providing invalid information to borrowers because of their " delay '' of processing the payment. When the effective date has gone, PHEAA/AES makes no attempt to correct their database to reflect that the account is no longer in delinquency. This sort of refutes their stance that when an account is past due, they feel the need to send repetitive notices harassing the borrower until it is paid, but then they can not even process the payment in time in order for the account 's delinquency status to be updated on or directly after the effective payment date. 

Narrative : Payment that was delinquent as of XX/XX/2023 was scheduled to be paid for XX/XX/2023. The account still shows the account as being in a delinquent status even though the date of XX/XX/2023 has come and gone. While it may take their company 2 business days to post the payment, they don't have the right to continue to claim the account is past due, because I effected the payment for a day in the past. 

PHEAA is in breach of one or more statutes here. I believe they should re-visit these regulatory requirements and make sure they are not violating anything ... although I do believe in part, the above scenario as a technicality potentially is in violation. XXXX XXXX XXXX
Product: Mortgage

I am a current mortgage holder with PedFed Credit Union. I am refinancing my loan with XXXX  XXXX XXXX. I have tried repeatedly to contact PenFed to stop my automatic payments and to make sure they have provided XXXX   with the payoff documentation to allow my refinance to close. Nobody is contacting me. I finally reached a person on the phone and she said that my emails from my home email address were not going through to her computer. Without an email from the address of record, she said they could not process my request. But, she did receive an email from my work email no problem. I'm in a Catch-22 and can't close on my new mortgage without their cooperation.
Product: Credit reporting or other personal consumer reports

On my credit report a debit from XXXX XXXX XXXX XXXX is showing up as Account Info Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Secured Loan Responsibility Individual Date Opened XX/XX/XXXX Balance {$670.00} Balance Updated XX/XX/XXXX I filed bankruptcy back in XXXX, they were listed on my paperwork for payment. They were notified of filing and didn't submit paperwork in my filing. It was removed at one point and now it is back on my credit files.
Product: Mortgage

Original loan was sold to a different company. At closing and before, we were told no payment due until XXXX. Closing took place on XX/XX/XXXX. They took XXXX for XXXX pymt and I stopped pymt as we did not owe for XXXX New payment went down to XXXX. At this time we are current. We then got a letter say we had an escrow amount owed us of XXXX. We got check, deposited it and then the mortgage company told my bank to send it back, which they did. We have letters and emails saying it was our escrow money but now we are getting XXXX. What can we do?
Product: Credit card or prepaid card

I was tricked by Fake News put on the internet by a " merchant '' /Criminal using pictures of President Obama and Mrs. Obama and indicating their approval of the products of the company. Then it offered to ship samples at minimal costs ( @ {$4.00} and {$5.00} ) to lure consumer to give Credit card information. Soon after the initial samples, the " merchant '' /Criminal started repeated billings of the products at much higher prices ( @ {$89.00} and {$85.00} ) -- not even shipping thee products. The first round of billings of High Prices were made XX/XX/XXXX. The second round of billing at High Prices were madeXX/XX/XXXX ( @ {$91.00} ). I protested to Discover as soon as I received the first round of unauthorized billings at High Prices and pointed out it was a fraud perpetrated on consumer. Discover initially reversed the charges. However, After the " merchant '' /Criminal made the second round of unauthorized billing, they submitted some kind of " documents '' and proof of shipping of the third billing, Discover went along with the " merchant '' /Criminal and reinstated the reversed charge to my account. That happened to my closed account ending XXXX which carried over to my new account ending XXXX. Discover made another mistake charging my new account ending XXXX  for that particular billing of {$90.00} again, Making me owe the same amount twice!

In my repeated protests made to Discover, not only that I explained the nature of the consumer fraud but repeatedly urge them to cooperate with the authorities to investigate the Criminal enterprise but to no avail.

Now Discover is threatening to report to Credit agencies for my non-payment of the Double charges of the one Unauthorized billing on my account.

The issues here are the Consumer Fraud perpetrated by the " merchant '' /Criminal and the mistake of double charges for the same item ( once on the old account which was carried over to the new account and again charged the same to the new account ).

Again, I wish this case of Fraud to be referred to an authority for investigation and prosecution.
Product: Debt collection

My account with XXXX went to collections, and in XXXX, she settled the debt with Credence Resource Management. We have begun receiving additional calls from different collections agencies alleging that there is a remaining amount of the debt that needs to be paid, which is false. We have contacted XXXX who advised that they received no information regarding the settlement with Credence. A manager with Credence, XXXX XXXX, advised today that " we are not the only people calling regarding this issue with XXXX ''.
Product: Debt collection

I wrote Select Portfolio Servicing Inc a letter on XX/XX/2020 informing them to only contact me by mail. 
SELECT PORTFOLIO SERVICES, INC contacted me after such mailing however their first level of communication was not a dunning letter but a demand for money. 
Although I requested communication via mail they did not first request permission to communicate with me or communicate for or any terms/conditions of or for a debt.
Product: Debt collection

Opened XX/XX/2016 account closed because I switched carrier. And they reported a derogatory mark on my credit history report. I wasn't notified this was going to affect my credit history because if I was u would of made sure I set up some sort of payment plan to avoid bad credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX **General Counsel** Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX **Subject : ** Notice of Dispute and Demand for Relief Under Arbitration Agreement Dear General Counsel, This letter constitutes a formal **Notice of Dispute** in accordance with the arbitration agreement outlined in Experian 's terms. It addresses Experians failure to properly resolve my dispute regarding the fraudulent accounts listed below and the subsequent violation of the Fair Credit Reporting Act ( FCRA ). 

# # # Nature and Basis of the Dispute On XXXX, I submitted a written dispute to Experian regarding the following accounts, requesting their immediate removal or verification : 1. **XXXX XXXX Opened on XX/XX/XXXX ; Account Number : XXXX XXXX XXXX XXXX XXXX. **XXXX** Opened on XX/XX/XXXX ; Account Number : XXXX XXXX XXXX. **XXXX XXXXXXXX Opened on XX/XX/XXXX ; Account Number : XXXX XXXX. **XXXX** Opened on XX/XX/XXXX ; Account Number : XXXX XXXX XXXX. **XXXX** Opened on XX/XX/XXXX ; Account Number : XXXX XXXX. **XXXXXXXX** Account Number : XXXX Despite providing all required documentation, including : - A copy of my government-issued identification, - Proof of my current address, and - A police report detailing identity theft, Experian failed to resolve my dispute within the required XXXX period as mandated by **15 U.S.C. 1681i**. Experian also did not provide any valid verification of the accounts as requested.

# # # Relief Sought Pursuant to the FCRA and the arbitration agreement, I am demanding the following : 1. Immediate removal of all fraudulent accounts listed above from my credit report.

2. Statutory damages of ** {$1000.00} per violation** for each account listed, totaling ** {$6000.00} USD**.

3. Written confirmation from Experian that these accounts have been permanently removed from my report.

# # # Request for Resolution I request that Experian resolve this dispute and provide the relief outlined above within XXXX days** of receipt of this Notice. Failure to reach an agreement within this timeframe will result in the initiation of arbitration proceedings under the terms of your agreement. 

# # # Arbitration Information If arbitration becomes necessary, I intend to proceed in accordance with the **AAA Consumer Arbitration Rules**, and I will pursue all remedies available to me under the law. Please be advised that Experian will be responsible for all associated arbitration fees as stipulated in the agreement.

# # # Contact Information You may contact me at : - Phone : XXXX - Email : XXXX # # # Enclosures 1. Copy of my government-issued ID.

2. Proof of address.

3. Police report detailing identity theft.

Thank you for your prompt attention to this matter. 

Sincerely, **XXXX XXXX  XXXX
Product: Credit reporting

I had a collection removed in XXXX 2015 and now it is back on the credit report-yes I did called and the lady said that it was just taken off earlier than it was suppose to I am asking is that legal also I have disputed the collection 3 or 4 times because I have never lived in the apartments so do I have to wait another 7 years to be taken off
Product: Credit card or prepaid card

I was told that it was done by me and their was no mistake. When asked for the proof after investigation with XXXX XXXX online she wouldn't provide that information and she hung up.. I never did this and {$730.00} at XXXX XXXX isn't even something I would ever purchase online. I had reported this on the XXXX of XXXX while it was in pending. I couldn't get anyone to help me. I need this resolved I can't pay my bills again this month due to they finally gave me a credit on the XXXX of XXXX just to take it away on the XXXX and put the responsibility on me, I believe they never even looked into this for if they did they would know I didn't do it ... Also they would provide me with proof. Direct Express through Comerica.
Product: Money transfer, virtual currency, or money service

This complaint is a follow up to a previous complaint filed ( Complaint ID XXXX ). With due respect, we strongly believe that the issue has not been properly resolved, and Bank of Hope remains liable for the substantial loss of funds resulting from their failure to follow proper procedures. 
On XX/XX/year>, a wire transfer of {$230000.00} was sent from my XXXX account to Bank of Hope Account # XXXX. The wire transfer instructions explicitly named the beneficiary as XXXX, XXXX and listed the beneficiary address as XXXX XXXX XXXX XXXX, XXXX, UT XXXX. 

Bank of Hope has stated that it did not open an account under the name XXXX, XXXX and that the account was opened in a third partys name. However, this raises a significant issue : Bank of Hope negligently released the wire funds to this account despite the fact that the beneficiary name and address could not have matched the wire transfer instructions. 

Key Issues : Failure to Match Beneficiary Information : Bank of Hope should not have released the funds because the beneficiary name and address specified in the wire transfer did not match the details of the recipient account. The discrepancy should have triggered an internal alert, leading to the rejection of the wire transfer. This failure to conduct basic verification is a breach of Know Your Customer ( KYC ) protocols and is directly responsible for the fraudulent disbursement of the funds. 

Partial Return of Funds : Bank of Hope has returned only {$7500.00} of the wired funds, leaving a remaining loss of {$220000.00} that was stolen by the fraudsters. This partial return is insufficient to absolve Bank of Hope of its liability. The institution remains accountable for the missing amount because the funds should never have been released in the first place. 

Lost Interest on Stolen Funds : The {$230000.00} was originally held in a high-yield savings account at XXXX earning 5 % interest per annum. Due to Bank of Hopes negligence, I have been deprived of the interest income on this amount since XX/XX/year>. Bank of Hope is liable not only for the stolen funds but also for the lost interest. 

Bank of Hopes Regulatory Failures : Under Anti-Money Laundering ( AML ) laws and the Bank Secrecy Act ( BSA ), Bank of Hope had a regulatory obligation to verify the account holders identity and ensure that wire transfers align with the stated beneficiary details. Their failure to comply with these regulations facilitated the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and I have been trying to get fraudulent information off of my credit file. Have reached out to companies and credit reporting Agencies. The refuse to take off fraudulent accounts and refused to show proof that they are my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate items on my credit report dating back to XXXX. XXXX and Experian has repeatedly refused to delete the inaccurate items on my credit report in addition they have yet to send my results of the disputes. The 1st dispute was XX/XX/2018, The 2nd was XX/XX/2018, The 3rd was XX/XX/2018 and the most recent was XX/XX/2018. Every dispute was mailed by certified mail, but yet XXXX and Experian has not deleted or mailed by results to me. XXXX  and Experian has gone over the allotted day for a dispute, which is 30 days. they have broken the law mandated by the ( FCRA ).
Product: Debt collection

I have been a victim of identity theft that was discovered earlier this year 2024. Upon discovery of this I immediately submitted an FTC report documenting the crime. Because I didn't have all the individual stolen accounts and fraudulent charges, I documented an estimated amount on the report which was accepted as valid. 
This particular debt collection attempt from Debt collection agency Credit Control , LLC with original creditor XXXX XXXX in the amount of {$1700.00} is included in this. 
I have already disputed this collection attempt with XXXX XXXX  which they recognized as fraud and had closed the account. 
This is now being pursued by another agency and again it is in dispute and is not valid, I do not owe this debt and am not responsible for debts that were obtained fraudulently and illegally. 

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

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$29000.00} XXXX   XXXX XXXXXXXX {$3400.00} XXXX XXXX {$160.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, 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

Throughout the time frame of XX/XX/year> to the present day, your company has repeatedly contacted me, claiming that I owe a debt under XXXX XXXX  account number XXXX. I do not believe that I owe this debt, and I have disputed it and allowed you appropriate time to show evidence of this debt to be valid, but you have disregarded these repeated requests to validate the debt. 

Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt.

I demand that you cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. A copy of the invoice and other pertinent documents is attached for your records along with a Final Demand for Payment.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and XXXX XXXX  with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.