23daVinci/CFPB_Complaints huggingface dataset:
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 TransUnion 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. TransUnion LLC ( 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. 

XXXX BANK XXXX XXXX
Product: Debt collection

After I got in a car accident, I went to XXXX  to check if I had XXXX  my XXXX. The doctor there was unable to determine if I had XXXX  my XXXX, so I ended up having to go to a different doctor who was actually knowledgeable and competent. In addition to the doctor being incompetent, the front desk receptionist did not process my health insurance ( even though I double checked to make sure she did make a copy of my insurance cards, she ended up not processing it since XXXX is a terrible company with incompetent staff ). Therefore XXXX  processed me like I was uninsured and instead of listening when I called their customer service, they sent the debt collection company, KLS FINANCIAL SERVICES, after me. I worked with my insurance company and XXXX and paid the debt. KLS FINANCIAL SERVICES stopped sending me letters once I paid my debt. However, recently in the past two months, KLS FINANCIAL SERVICES has started calling and texting me. The company refuses to give me any paperwork, yet still calls me. I paid my debt, the debt collection should be marked as closed, and the debt collection company is not sending me any paperwork YET they are still harassing me via phone calls! I filed a dispute with XXXX, hoping that KLS FINANCIAL SERVICES would realize their error yet they are still calling me and refusing to provide any paperwork. In summary, the debt has been paid, KLS FINANCIAL SERVICES has not sent me any paperwork since I paid the debt, but still calls and harasses me. It is disgusting that a mistake by a receptionist a year ago is still causing problems for me today, KLS FINANCIAL SERVICES needs to stop contacting me and mark the collection as closed as the debt has been paid.
Product: Credit reporting

Lexis Nexis is combining my personal records with that of a woman in XXXX, AZ who has the same name I do. When an organization requests my file, it now contains the past address and court records of this woman in Arizona. 

As a result, I now fail authentication at my own bank. Online databases and the major credit reporting bureaus have also shown this incorrect information. It appears they are not gathering data based on social security number ( a unique identifier of one person ), but on name and possibly age ( numerous matches possible ). 

This is a financial and logistical nightmare, as I have to contact each one by hand and prove my identity to each company and website. My bank has said this is called " soft theft ''. 

I spoke with Lexis Nexis on XX/XX/2017, and they denied providing the information to my bank ( they do n't know my bank emails/calls regularly with updates about THEIR conversations with Lexis Nexis ). Later in the conversation, the " specialist '' apparently found an AZ address, but stopped short of saying actual words to acknowledge that. The " specialist '' claimed she could n't find any court records. My bank told me the records originated in Arizona 's XXXX District Court ( record provided by Lexis Nexis ). 

Lexis Nexis obviously lies as a part of daily business. This is an organization our financial and legal institutions trust to make judgements about us!
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX back in XXXX of XXXX for the amount of XXXX. 2 years later and the amount I own on the vehicle is still at XXXX Back in XXXXXXXX XXXX XXXX sales was bought out by Westlake profile.. What happen to all the money i put into the vehicle before Westlake took over..
Product: Debt collection

Miramed, XXXX, and/or XXXX XXXX XXXX Hospital attempted to collect a debt without utilizing the insurance. Prior communications indicate that all parties were aware of the insurance in place and the purpose of me paying for insurance, is that it may be utilized. The original debt was indicated to be {$4800.00} and the reduced rate is {$580.00}. If they want only {$580.00}, then the insurance company can pay them that. Otherwise, the deductible and co-payment will need to be identified and ALL provider bills will need to be considered in the billing cycle. Not just this bill. Again, this is the reason I purchased insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, XXXX - Account Number : 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 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I have sent numerous letters via Mail and have not had a response back yet. 

I have attached a screen shot of the account that is reporting inaccuracies and I have went the extra mile to circle the errors that's hurting my report. 

I have included my government issued Id and proof of address for verification because I do not want to delay this issue any more than it has by being ignore by the credit reporting agencies
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account shows XXXX late payments that states I was XXXX late on making payments on XX/XX/XXXX and XX/XX/XXXX this is not true by law I am promised accuracy in my credit report pursuant 15 usc 1681i concerning my dispute with Indigo regarding the inaccurate late payment reporting on my credit report. I believe that the information reported by XXXX is incorrect, and I am seeking further investigation and correction based on the following facts : XXXX. Proof of Payment : I provided statements showing that I paid the bill in question, and I made an additional payment in XX/XX/XXXX. Specifically, on XX/XX/XXXX, I made a payment that was less than 30 days late. Under federal law, creditors XXXX only report late payments if they are 30 days past due. XXXX improperly reported this payment, which was not yet 30 days late, as delinquent. 


XXXX. Failure to Provide Required Statements : XXXX has claimed that I had knowledge of a payment due in XX/XX/XXXX. However, I never received the required statement. Under the Credit Card XXXX XXXX and Disclosure ( CARD ) Act, creditors are required to provide billing statements at least 21 days before the payment due date. In this case, I did not receive such a statement, as it was sent to an address where I was no longer residing due to an eviction ( see Exhibit XXXX ). As a result, I was not properly notified of the payment due, which is a clear violation of my rights under the CARD Act. 


XXXX. CARES Act Violation : All of the falsely reported late payments occurred during the COVID-19 national pandemic. Under the CARES Act, specifically 15 USC 1681s-2 ( a ) ( 1 ) ( F ), if a consumer brings a credit obligation or account current during the period described, the creditor must report the account as current. XXXX failed to follow this legal requirement and continued to report these payments as late, even after I brought my account up to date.
Product: Credit reporting or other personal consumer reports

My information was exposed during a data breech. There is information on my credit that doesn't belong to me. There are bank accounts open in my name, there are things on my credit report that are not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person im a living human being i have rights under 15 USC 1681.

EQUIFAX is governed by 15 USC 1681 and they violated my rights numerous times. And i demand that these accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be removed because. According to 15USC 1681 I have the right to privacy and i did not give equifax written permission to furnish these reports
Product: Credit reporting or other personal consumer reports

I have reported this many times with XXXX XXXX to fix across the board to no avail
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on numerous occasions about a Bankruptcy Acct # XXXX that they are reporting on my credit report. I have sent them letters in the mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have this inaccurate and unverified Bankruptcy Acct # XXXX removed from my credit report. This same account has already been removed from my XXXX credit report and my XXXX credit report. Each time I have contacted Equifax I have asked them how are they able to verify this account. Each time they respond they do not tell me how they have verified the account. I have also sent Equifax a copy of a letter from the court which states that they do not share any information with credit reporting agencies. I have also received a letter from XXXX stating that they can not verify the Bankruptcy account # XXXX and that it has been removed from my credit report. If XXXX and XXXX can not verify this Bankruptcy how is Equifax able to verify the Bankruptcy and where are they getting the information. I demand that this Bankruptcy account # XXXX be deleted from my Equifax credit report.
Product: Credit reporting or other personal consumer reports

I HAVE ALSO FILED A COMPLAINT WITH THE FTC. THE CASE NUMBER IS AS FOLLOWS : XXXX  I am writing to dispute late payments listed on my credit report and change to PAID AS AGREED/NEVER LATE because Credit Reporting Agency 's have violated my Consumer Rights under 15 U.S. Code 1666b - Timing of payments. 

The erroneous account is as follows : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose This reported information is not only a violation of federal law, but just like your agency, they have damaged me in the form of defamation of my character and they have committed aggravated identity theft, because I didnt give them written permission to report this information, which is a violation of 15 USC 1666b .

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge which your agency can not furnish proof of it and needs to be CORRECTED TO PAID AS AGREED from all consumer reporting!. 
The creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX days before the payment due date and you have failed to provide this which is hindering my chances of purchasing a home and I dont want me and my family to be homeless and left on the street with my kids. 
I have suffered extensive emotional distress over this violation or my consumer rights. I am demanding that you CORRECT the above late payments from my consumer report AS PAID AS AGREED AND NEVER LATE!. 
You have 14 days to respond upon receipt of this letter to CORRECT the referenced items AS PAID AS AGREED AND NEVER LATE and send me a new letter notifying me that the information has been CORRECTED TO PAID AS AGREED from all consumer reporting agencies and also mail me a new copy of my report or I will be seeking legal action against your agency for these damages.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Federal Student Aid XXXX XXXX XXXX XXXX : Urgent Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to officially dispute the inaccurate reporting related to my credit file and to demand immediate correction of this error. The account in question is [ Account Number ] with [ Creditor Name ]. It has been erroneously marked as a charge-off ( CO ) for collection, which is not only incorrect but also a violation of my rights as a consumer under the CARES Act.

As per the provisions of the CARES Act enacted in XX/XX/XXXX, creditors are prohibited from reporting negative information for accounts impacted by XXXX, assuming previous good standing or deferred payment terms. My account was paid in full on XX/XX/XXXX and then returned by the Department of Treasure now was paid in full again on XX/XX/XXXX, and it is unacceptable that this inaccurate information has persisted in my credit report. 
Please note that I have attached relevant documentation evidencing my full payment, along with my account history, which clearly demonstrates that this account was never in default or delinquent. 
I demand that you conduct a thorough investigation into this matter and amend my credit report immediately to reflect the accurate status of my account. This misrepresentation is causing significant harm to my ability to obtain credit and is, therefore, urgent that this issue is resolved without delay. 
I expect a prompt response and resolution. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and respond to me within 30 days. Please send me a written confirmation of the actions you are taking regarding this matter, as well as an updated copy of my credit report once the corrections are made. 
Thank you for your immediate attention to this serious issue. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian, one of the largest consumer reporting agencies, for failing to conduct a thorough investigation of disputed information on my credit report.

On several attempts I have submitted a dispute to Experian regarding an alleged vehicle repossession and late payments, and XXXX Violations which I claim are inaccurate. Despite my dispute, Experian failed to conduct a reasonable investigation and remove the disputed information from my credit report. Account Information below. 

ACCOUNT ACCOUNT-NUMBER DATE OPEN XXXX XXXX XXXX  XXXX XX/XX/year> Specifically, I have possession of my vehicle, and the alleged repossession is entirely inaccurate. Furthermore, the loan in question is an installment loan, and the creditor 's acceptance of a down payment constitutes a violation of the terms of the loan. 

Experian 's failure to thoroughly investigate my dispute and remove the inaccurate information from my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ). As you are aware, the FCRA requires consumer reporting agencies to conduct reasonable investigations of disputed information and to remove inaccurate information from consumer reports. 

I request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and ensure that Experian complies with the FCRA. I also request that Experian be directed to remove the disputed information from my credit report and to provide me with a corrected copy of my credit report.
Product: Debt collection

I dont owe this debt. 
Pursuant 15 USCe. ( 2 ) ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted each creditor and all told me that they dont have any information on me about the inquiries thats reporting on my credit report XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. If you cant verify please delete these unauthorized inquiries from my credit report.
Product: Mortgage

Third Federal bank reported a very small amount of {$5.00} 30 days late when payment was made exactly 30 days after the initial payment was due. I made a payment of {$320.00} on an estimate of rising interest rates, when the statement was later received, it was already too late to adjust the outgoing payment, so I added on additional funds to the next months payment to cover it understanding that it would simply cover the missing amount. The company has offered no remedy or leeway. I have never been late paying this bank or any bank for that matter and they have refused to offer a grace period.
Product: Payday loan, title loan, personal loan, or advance loan

Every Time I would try to make a Payment. The Payment would never Go Through, All that Happens is once the Account dips a XXXX Below the Amount the Payment the gets Declined and I get hit with a Fee for Insufficient Funds when the Money was there the whole time. And the Money was supposed to be taken in the XXXX. Funny how by XXXX XXXX that day, After another bill gets paid dropping the amount in my account a couple cents below the amount needs for One Main Financial and then they say Oh No theres no money in the account and I get hit with a fee. Every time this happens and I tell them and no body in the branch wants to acknowledge there system is corrupt or something.
Product: Money transfer, virtual currency, or money service

{$800.00} was fraudlent debited from my account via XXXX. My bank Wells Fargo refused to refund nor try to recover my funds. My claim # is XXXX. I want my money refunded back to me, however Wells Fargo is refusing to assit me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$850.00}, {$9000.00}, {$5000.00}, {$11000.00}, {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$850.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- CLOSED ACCOUNTS 5. XXXX XXXX/XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account.