23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I took out a payday loan for {$480.00}. I paid {$300.00} back right away and my hours got cut. They said I owed {$620.00} still ( after a week ). I revoked my ACH and have not paid anything since. They told me they will report me to XXXX for my returned check. I never sent a check.They told me they would send me to collections and charge me 35 % more than what I owe. I don't even have a copy of my signed loan contract. Just a contract with my name and no signature. I have requested one and haven't ' received one. They have not even tried to work out a EPP which is also a WI law. Of all the things below they haven't done any of them, they are violating law. See below ... .... 

State Guide to Payday Loan the document contains information on payday loans. It is prepared by the state of Wisconsin to inform buyers about the nature of the loans. 
Repayment plan offers the lenders are required to present repayment plan offer to the borrower in case of a default of the loan amount. The state of Wisconsin allows repayment of the loan amount in 4-equal installments with no additional costs. The limit for one payment plan offer is 12 months. 
Keep in mind that the state of Wisconsin has put a collection fee limit of {$15.00} per check. The state rules dont allow the lenders to take criminal action against the persons that default on the loan. If you have any complaint against a payday loan lender, you can contact the Wisconsin Department of Financial Institutions.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Navient is calling my XXXX yo daughter while she is in school and telling her that I need to pay them.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered that it includes several accounts that appear to be fraudulent. I kindly request that these accounts be removed from my report, as they are adversely affecting my ability to acquire credit.
Product: Checking or savings account

To Whom It May Concern : Consumer ID : XXXX I recently reviewed an extensive copy of my EARLY WARNING CONSUMER REPORT & credit report included dark web alert ( s ) with the intention of trying to improve myself and take care of my responsibilities and noticed an account that I wanted a little more explanation on, and it needs to be deleted/removed from my EARLY WARNING report. - ( Contributor : XXXX XXXX XXXX Contribution Ref # : XXXX ) I also recieved an alert on my XXXX account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

THE POLICE REPORT # : XXXX FTC Report Number : XXXX I DEMAND THIS ACCOUNT LISTED BELOW TO BE DELETED/REMOVED OFF MY EARLY WARNING CONSUMER REPORT IMMEDIATELY!. 


Contributor : XXXX XXXXXXXX XXXX Contribution Ref # : XXXX, ==>delete it from my EARLY WARNING REPORT Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Student loan

Original loan through XXXX. In XX/XX/XXXX I called them to get payoff amount. On XX/XX/XXXX I called back to confirm payment and that my loan was paid in full. The confirmed that it was. On XX/XX/XXXX, they reversed a XXXX dollar payment to my account. This XXXX dollars was for a different student and they had applied it erroneously to my account. They confirm that they never called me, and it was n't until XX/XX/XXXX when I started getting email from Navient ( which I did not recognize as I never had a loan through them ), saying that I had payments on a student loan due. I have tried for a year, personally and through attorneys, to get in touch with someone who can help in Navient and have not been able to do so. They keep calling as debt collectors, refuse to let me speak with anyone who can help, and tell me that Navient is correct, and I owe money ( which I believe was their error and I do n't ). They are currently charging me the XXXX plus the interest for 10 years, which is inconsistent and unfair since the reason I paid off my loans years ago was to avoid interest. I am told no one can help me, there is no resolution center. They continue to harass me every day, including nights and weekends, and I have no ability to speak with anyone who can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ameri mortgage pulled my credit report XXXX all three XXXX without my consent. I didnt even give my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX Department of EducationXXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of emplovment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ). 

I previously disputed a XXXX  XXXX bankruptcy discharge item on my credit file with Equifax. In response, they verified the item as accurate, claiming that they had confirmed the information with the court. However, upon contacting the court directly, I received the enclosed response stating that they do not report to Equifax or any credit bureau. This reveals that Equifax 's initial response verifying the item with the court was either an error or a misrepresentation. 

Equifax 's reporting practices fail to comply with FCRA Section 611 ( 15 U.S.C. 1681i ), which mandates credit reporting agencies to conduct a reasonable reinvestigation of disputed items. If the information can not be verified, it must be promptly deleted from the consumer 's file. 

The court has confirmed that they do not report this bankruptcy information to Equifax. Therefore, the bankruptcy item on my credit report is unverifiable and must be removed immediately in accordance with the FCRA. Equifax 's failure to remove this inaccurate information constitutes a violation of my rights as a consumer. 

I am requesting that the CFPB investigate Equifax 's non-compliance with the FCRA and take appropriate action to enforce the law. Equifax must be compelled to delete the inaccurate XXXX  XXXX bankruptcy discharge from my credit file without further delay to ensure compliance with the FCRA and to prevent any further harm to my creditworthiness. 

Thank you for your attention to this matter. I trust that the CFPB will promptly investigate my complaint and take necessary measures to protect my consumer rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per Credit Check Total. 
I have attached What these items are :
Product: Credit card

THIS COMPLAINT IS TO PUT THE CFPB ON NOTICE OF MY BILLING ERROR NOTICE TO NAVY FEDERAL IN WHICH THEY FAILED TO RESPOND TO ACCRODINGLY AS STATED IN THE LAW FOR RECORD PURPOSES -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -NAVY FEDERAL YOU HAVE BEEN PUT ON NOTICE UNDER A BILLING ERROR ON MY CREDIT ACCOUNT WITH SPECIFIC LAWS THAT GOVERN YOUR OBLIGATION TO PERFORM. YOU HAVE RESPONDED WITH MARKING MY CREDIT PAST DUE AND DOUBLING THE AMOUNT DUE. THE LAW ESPICIFICALLY STATES ONCE A BILLING ERRE DISPUTE IS EXPRESSED COLLECTION ON THE ACCOUNT SHALL CEASE UNTIL THE ISSUE IS RESOLVED. IF YOU FRIVILOUSLY SHUT MY ACCOU T DOWN DESPITE RECEIVING NOTICE OF A BILLING ERROR AND NOT RESPONDING TO IT ACCORDINGLY YOU WILL LIABLE FOR STATUTORY DAMAGES AND WILL RISK FORFITURE OF COLLECTING ANY RECEIVEABLES. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -IF THE PERSON ADDRESSING THIS COMPLAINT HAS NO KNOWLEDGE OF THE LAW PLEASE FORWARD THE COMPLAINT TO " XXXX XXXX XXXX WHO DOES BECAUSE IGNORANCE OF THE LAW IS NO EXCUSE TO VIOLATE IT AND CAN RESULT IN MATTERS ESCALTING. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- PLEASE ADDRESS THIS MATTER PROPERLY WITH NO BOGEZ LETTERS NOR MINIMUL EFFORT. THANK YOU KINDLY.
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it.
Product: Credit reporting or other personal consumer reports

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

I was checking my credit report and I noticed that my credit score is low. I dont understand why you put this information, I dont even know these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX I
Product: Vehicle loan or lease

I did contact Compass Bank to inquire about how to get back my personal property after a repossession of my car. I was not provided any information on doing so. I had a pair of eyeglasses and a prescription medication left in the car. In response to a previous complaint that I had made. Compass Bank had denied me any compensation or forms of reimbursement. They had stated that in the vehicle report there was no personal property in photographs that were taken of the car. The eyeglasses and prescription medication was located in the consoled of the vehicle. In the report that Compass Bank had sent via the CFPB website there were not photos taken of the consoled. By law a company can not keep or discard eyeglasses or prescription medication. They could have simply sent my property through US Mail but they did not
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX last 4 :XXXX To Whom It May Concern This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. 


This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. 


Here is the account that keeps negatively being reported TRANSUNION Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX XX/XX/XXXX Original Balance {$18000.00} {$18000.00} Current Balance {$18000.00} {$18000.00} Responsibility These individual are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they still continue to report. We are seeking full damages We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my case. 





TRANSUNION XXXX XXXX XXXX Transunion XXXX-President and Chief Executive Officer XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX Executive Vice President TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX TransUnion Executive Vice President Consumer Interactive XXXX XXXX XXXX XXXX XXXX Illinois XXXX I have already hired a consumer attorney to plead my case. an will be pursuing full legal action against ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
( XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : On a recent review of my credit report I discovered XXXX XXXX XXXX CO/CA pulled my credit report without my signature authorization on : XX/XX/2021 I fully expect this to be removed from the XXXX main credit reporting agencies of Transunion, XXXX, and XXXX immediately. 

Your failure to act will be this matter being referred to the Attorney XXXX XXXX. 

I can be reached at the mailing address on this letter and please have this resolved within 30 days of receipt. 

Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

I RECEIVED NOTIFICATION THAT I WAS A VICTIM OF A DATA BREACH THAT OCCURED IN XXXX OR XXXX AND I AM UNABLE TO FIND THE LETTER AT THIS MOMENT, HOWEVER, IT HAS RECENTLY COME TO MY ATTENTION THAT WHOMEVER RETRIEVED MY INFORMATION DURING THIS TIME FRAME APPARENTLY BEGAN OPENING CELL PHONE ACCOUNTS IN MY NAME. A RECENT ACCOUNT FROM XXXX REPORTED FOR {$30000.00} AND I HAVE NEVER HAD AN ACCOUNT WITH XXXX. ANOTHER ACCOUNT FROM XXXX RECENTLY REPORTED AND I HAVE NEVER HAD AN ACCOUNT WITH XXXX EITHER. XXXX IS REPORTING WITH A COLLECTION AGENCY CALLED TRUE ACCORD AND I HAVE ALREADY FILED AN FTC REPORT AND MAILED THIS TO XXXX ON SEVERAL OCCASSIONS AND XXXX CONTINUES TO RESPOND A LETTER STATING THEY DONT ' BELIEVE ITS ME. I ALSO RECENTLY FILED ANOTHER FTC FOR THE XXXX ACCOUNT THAT IS REPORTING WITH SURISE CREDIT. I HAVE SENT ALL THE INFORMATION TO THE CREDIT BURUEAUS AS WELL BUT I AM NOT HAVING SUCCESS WITH THESE ACCOUNTS BEING REMOVED AND THEY ARE NOT MY ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB XXXX I XXXX XXXX XXXX state this letter is a second request based on empirical evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. The United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful  search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. XXXX ( XXXX XXXX. XXXX ). The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA.
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 XXXX 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. 
XXXXXXXX XXXX XXXXXXXX XXXX ( 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. 

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

BEEN CONTACTING THEM FOR ALMOST A YEAR ABOUT REMOVING THIS FRAUDULENT INFO FROM MY FILE AND NO ONE IS HELPING ME. I FILED A REPORT WITH FTC.