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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
XXXX and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts.My credit report is still reporting Bankruptcy, XXXX, on XXXX XXXX. 
This has caused me tremendous anxiety, stress, and financial hardship.
Product: Credit reporting or other personal consumer reports

Back in XXXX of this year, I was able to get my free credit report from XXXX and XXXX, but not Transunion. I am able to log in to their website, but I can not do anything else like dispute, freeze, or see credit history. Their representatives are useless. Requested my report multiple times, but they said can only send it in mail and I should get it in XXXX days, but never did. There are thousands of complaints about this and nothing is being done for a company that holds all our records
Product: Debt collection

XXXX XXXX XXXX consistently contacts me regarding a debt that has been settled for over 7 years. I have blocked all of the phone numbers that come thru, most recent number was XXXX. They have called me as early as XXXX XXXX and on Saturday 's and Sunday 's. At one point they were calling me 7-9 times a day. As this has been going on for the last 10 years, I have finally reached a point where it needs to stop. When I call them to tell them that it has been settled and to take me off of the list, they place me on hold and then hang up on me. I have spent too many hours on the phone trying to get this taken care of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is falsely reporting account my account 30 days past due despite receiving a payment from me. XXXX XXXX renewed an installment loan with new terms and reported the old loan as past due after payoff. The previous loan was included in a identity theft and I informed them of this. Without my consent XXXX XXXX  changed the term of a renewal loan and included the former balance in the terms, they did not provide a new contract terms, a billing statement or anything record and did not obtain my consent. AS A RESULT XXXX XXXX is violation of the FDCPA ACT and also the Truth in Lending Act. They're creating irreparable harm and falsely reporting the entire amount past due on my credit instead of the fact I made the correct payment. I have called several times and been Given conflicting given information by XXXXXXXX XXXX XXXX  in XXXX XXXX, Texas.
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 ), XXXX U.S.C. XXXX 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 ( XXXX U.S.C. XXXX ( 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 ( XXXX U.S.C. XXXX ( 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 ( XXXX U.S.C. XXXX ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion Corp. ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX XXXX TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
2.Provide a comprehensive written explanation detailing your investigation process and results. 
3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under XXXX U.S.C. XXXX and XXXX. 

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

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

XXXX Credit Card : I sent the FTC report and the pin that they told me to send back I haven't heard from them, and it has been over XXXX days.
Product: Checking or savings account

XXXX - XXXX XX/XX/XXXX XXXX locked my checking account and brokerage account. These accounts have an excess of XXXX  XXXX. I immediately reached out the company via chat for a reason and was directed to send an email. I sent an email to the company and did not hear back from the company until XX/XX/XXXX. Almost a full week saying they were looking into the problem. I have still not heard anything from the company and I'm unable to move any of my money.
Product: Money transfer, virtual currency, or money service

I was involved in an XXXX scam in XX/XX/year> that ended up transferring about {$1200.00} from my checking account. I called the bank and they said they would investigate but came back saying I will not get any money back bc I sent them money. There are ways to reverse payments and give refunds but they claimed from the beginning of XXXX, ooop you cant get your money back once it is sent ( this was before they had disclaimers making sure we are sending it to the correct XXXX ). Maybe bc XXXX banks own XXXX and they want to rob you more than some Internet scammer. 
Reverse the payment! I alerted you it was fraud TAKE THE MONEY BACK FROM THE THIEVES AND GIVE IT BACK TO THE RIGHTFUL PERSON. You REVERSE the transaction. You have taken money out of my account when youve realized an error on your end. Once, I XXXX  myself from XXXX bank account to a different bank/account altogether. It sent me a double payment to the account I was transferring into but only took out XXXX payment from the account I was transferring from. 

It took XXXX business days but the bank took that extra money payment, right out of my account. Didnt warn me. Didnt say hey this was an oversight on our part, we are going to need that money back. They just REVERSED the transaction. EXACTLY what shouldve happened when I was involved in a scam and fraud. REVERSE the transaction and give me my money back. 

CORPORATE XXXX. LAND OF THE THIEVES AND HOME OF COMMERCIAL COMMUNISM.
Product: Mortgage

Appeal / Escalation to Denial from Selene when XXXX has {$60000.00} funds ready to apply Selene Loan # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX HUD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Foreclosure Trustee : XXXX XXXX XXXX XXXXXXXX XXXX Washington Issue : XXXX is approved for XXXX funds on XX/XX/XXXX of up to {$60000.00} to go towards reinstatement/modification but Selene continues to refuse to work with XXXX XXXX and instead is moving forward with the foreclosure. 
It is inconceivable that XXXX has XXXX for Selene and Selene can not work with XXXX XXXX on fees or a repayment plan for the additional money. We could even try and get an exception with XXXX if Selene would accept the XXXX and remove fees to be paid at a later time. The law does not require fees to be paid at reinstatement. Selenes delay continues to cause XXXX to incur additional fees driving her further into delinquency. 

Proposed Resolution : It is not required to pay the fees to reinstate a loan. Selene to accept the {$60000.00} from XXXX with the remaining delinquent balance of approximately {$10000.00} to be paid later. Allow XXXX to pay the additional fees through either a formal repayment plan or spread it out over 60 months which works out to be about {$170.00} per month for 60 months which is affordable to her. 
This would allow XXXX to stay in her home which is also the source of her self-employed business income. 
There has to be a way to make this work to take advantage of the XXXX funds with everyone benefiting from the XXXX funds including Selene. 

Fees are not required to bring loan current : *Sale date is XX/XX/XXXX
Product: Debt collection

I had a XXXX XXXX credit card that went to collections and it was purchased by Midland Funding LLC. Since the very first communication with this company they threat me with a lawsuit, they told me I should start making payments on the account to prevent a legal action from them, I decided to make a payments as the representative advised. The representative was truly clear when he said installment payments will prevent a lawsuit, I made monthly payments for four years but this debt buyer made the decision to place my account with a law office XXXX XXXX XXXX XXXX XXXX who filled a lawsuit against me, but as I sad the debt buyer promised I wont get suit as long I make monthly payments. I made all monthly payments on time, sometimes I failed but I catch up as soon as I can. I been dealing with a financial hardship for a long time and even with this hardship I made monthly payments to Midland Funding LLC. I attempt deal with the XXXX XXXX XXXX XXXX XXXX XXXX and even asked for a professional help but looks they will not work with a representative of mine ; this leave me alone and in a disadvantage from them. 
My financial hardship began with the separation from my ex-husband and subsequent divorce proceeding and child custody battle that followed. I spent a fortune for the attorney fees during that legal battle to ensure, I retained custody of my children and as their father struggled with serious addiction issues that jeopardized the children safety. It was the toughest battle of my life. After 18 months of legal proceedings and tens of thousands of dollars later, I regained full custody of my children and then COVID-19 pandemic happened. All this left me in a very difficult financial position as now the kids are home all day, and attending school all day, and it leaves me unable to maintain a full time employment since I just cant leave the kids alone by themselves and due to the pandemic concern they are still on lockdown in our country. To make everything worst, my kids are part of what is known as XXXX high risk group so is especially important to reduce the risk of getting this infection from their own healthy. This situation has left me with a whole lot of expenses and extremely limited income. 
As I explained, due to a financial hardship I can not afford to pay the balance on the account. Midland Credit Management has developed a Consumer Bill of Rights, since I am victim of a natural disaster ( COVID-19 pandemic ), I am requesting Midland Credit Management to apply the article II of the bill mentioned above suspending permanently collection activities and vacate the judgment.
Product: Debt collection

At the end of XXXX DRS Debt Recovery Solutions called me stating that I owed {$1100.00} as part of a loan paid by XXXX in XXXX TX. I have been to XXXX once and it was way back and before XXXX and the loan or transaction date is from XXXX. I need this reported and removed from my credit, please. I have lived in Texas for 8 years and always in XXXX XXXX. I spoke to DRS and they told me to file an FTC and a police report in order to get it taken off of my credit report.
Product: Debt collection

I was contacted by XXXX XXXX XXXX claiming to have the address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX FL XXXX. The first time they contacted me was XX/XX/XXXX. I returned their call at which time they claimed that I owed over $ 5K to Chase Bank XXXX who really should be writing lots of checks to every XXXX given the widespread fraud they engaged in ). After being threatened with a lawsuit, after they did n't give me the " this is an attempt to collect a debt speech '' I was finally able to get the address above. I sent them a debt validation letter on XX/XX/XXXX with a strong cease and desist statement. 

Since this time they have called me 5 times. The message they leave contains an implied threat that I believe is illegal under the Fair Debt Collection Act. In addition, they have never provided me with a validation letter. They have only called, threatened and called me names XXXX XXXX XXXX. 

Furthermore, I received a XXXX which stated that Chase had forgiven a debt for the amount of {$2100.00} XX/XX/XXXX. I have disputed this with Chase directly and have yet to receive any information on this debt. I had to pay almost {$500.00} on my " income '' from this forgiven debt XXXX how come I have to pay taxes on forgiven debt that was never validated and that did n't ever exist, but XXXX XXXX did n't any of the now 7 times one of his companies declared bankruptcy? ). 

By my count, they have violated the law at least 11 times in this attempt to collect a fraudulent debt. They should be required to pay me the {$1000.00} per instance statutory penalty. Why have a statutory penalty that can not be enforced in the first place?
Product: Debt collection

In XXXX my car repossessed and the law office of XXXX, XXXX and XXXX took over the loan. I set up a payment plan of XXXX a month and I have never missed a payment as it is directly withdrawn. In XX/XX/XXXX I called to offer a settlement, they said I owed XXXX, I offered XXXX to settle. I was told that they would get back to me and I didn't hear anything from them. I still remained making payments. Then in XXXX of XXXX I called to make another settlement offer and they told me that I owed XXXX. I asked how that could be when the last time I called I owed less and it was showing my balance go down on the credit apps that I have, XXXX and XXXX XXXX. They told me that those apps don't show the correct information. But that still does not make up for the fact that my balance hasn't gone down and I've been making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan from XXXX XXXX in XXXX, GA is showing late payments when it's actually in forbearance. Besides, It has been XXXX US Dept Of Education per evidence attached.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6. Which states I have the right to privacy and consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

On XX/XX/XXXX and XXXX, I hosted a basketball tournament in which teams make payments to participate. I established a checking account with BBVA. I was sure that I set up a XXXX  account. During months leading up to the event, teams registered using XXXX XXXX as the payment processor ( XXXX XXXX ). A part of establishing the account with XXXX XXXX was verification of my XXXX  that included me sending in required documentation ( IRS letter including Tax ID #, my personal information, etc. ) The monies collected were deposited into the BBVA account. After the event, I attempted to wire funds to pay for the referees. My account was frozen due to Fraud. I contacted the Fraud and Legal department of BBVA and was advised I needed to send in an IRS letter to connect me with the XXXX  account because the account that I had with them was a personal account. The agent requested an IRS letter. On XX/XX/XXXX, I emailed the IRS letter to BBVA. I have called and left messages with the agent handling my account at XXXX. Today, XX/XX/XXXX, I spoke with an agent that advised that there was only {$96.00} in my account out of the XXXX that was previously collected. 

I have not heard from anyone at BBVA to advise as to why the monies were sent back or that they would be sent back. I still have outstanding creditors that need to be paid. This is creating undue stress as I do not know where XXXX dollars has gone. 

I am a XXXX XXXX XXXX XXXX and this was my second event. My credibility as an XXXX XXXX is being questioned amongst other things.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Portfolio Recovery Associate, I am writing to dispute the following information that appears on my [ XX/XX/XXXXor XX/XX/XXXXor XX/XX/XXXX] consumer report : Dispute-1 : Account Number or other information to identify account : XXXX, Source of dispute information : Fico 3b Report Type of disputed information : Fraudulent Account, Identity Theft Dates associated with item being disputed : XX/XX/2019, Explanation of item being disputed : o I am the victim of identity theft and I do not recognize one or more of the accounts on my report. I have notified Portfolio Recovery Associates on three separate occasions. As well as providing them with a police report and they have refused to remove the item. They continue to report false, balances, Dates, and other information to retaliate for my disputes. 
o This is the second time I have dealt with Portfolio Recovery Associates. The had an item under my name that was not mine. The owner of the company wrote them a letter explaining I do not owe a debt. They would not remove the debt, even crank calling me saying they were going to Kill my mother. In retaliation for filing complaints against them. They called me 15 times in one day. It was only when I started the process to sue them in civil court. That they stopped but falsely reporting the debt. Now they are trying to do it.

Resolution : Remove Debt From all three Credit Reports. If this dept is not remove I am going to sue for the harassment, Stress and financial damages directly cause by the action of Portfolio Recovery and its associates. I will seek punitive damages for each year this item was reported. Along with the loss of income with increases due to this false report. 


Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : I Have sent out TWO hard inquiry validation letters to lenders on my credit report requesting that they show proof that they have the legal right to be on my credit reports. The dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609, and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request by This bureau only. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks after they received my dispute they " Verified my account on XX/XX/2021 without proper validation. I do believe this is a prejudiced response.

( REPLACE XXXX  WITH EQUIFAX WHEN YOU SUBMIT A COMPLAINT TO EQUIFAX, THAT IS THE ONLY TEXT YOU WILL NEED TO CHANGE ) Solution : I am demanding that ( lender or bureau ) remove their accounts from all 3 of my credit reports if they fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

The following hard inquiries reflect on both my XXXX and Equifax credit report and I have not initiated any transactions with such company, nor do I have an account with them for review or collection purposes. Therefore, there is no valid reason for them to access my credit 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, credit repair services, or other personal consumer reports

In XX/XX/XXXX my husband XXXX XXXX XXXX got XXXX  and was XXXX  from XXXX until XX/XX/XXXX. We have reached out to Capital One and the credit agencies regarding the last payments that were posted to his account, Under the Care Act, creditors are not supposed to report late payments due to the pandemic, We are homeless and are trying to purchase a home but the late payments report is not allowing us to purchase a new home. We need this incorrect information to be removed so that we can apply for a VA home loan. my husband 's name is XXXX XXXX XXXX ssn XXXX and dob XX/XX/XXXX.