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

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Formal Complaint Regarding Identity Theft and Inadequate Resolution of Credit Report Disputes Dear Sir/Madam, I am writing to formally lodge a complaint concerning the mishandling of my credit report following identity theft and subsequent disputes, under the purview of the Consumer Financial Protection Bureau XXXX CFPB ). This complaint is filed under the protections and rights afforded to me by the following federal laws : - 15 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft, which has led to unauthorized hard inquiries and the creation of fraudulent accounts on my credit reports maintained by XXXX, XXXX, and Experian. I have taken the necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). Copies of these reports were sent to the aforementioned credit reporting agencies to notify them of the fraudulent activities affecting my credit files. 

Despite my efforts, including filing numerous disputes and opening several investigations with XXXX, XXXX, and Experian, the unauthorized accounts and inquiries remain on my credit reports. These inaccuracies are adversely impacting my XXXX XXXX and, consequently, my financial well-being. 

The persistence of these errors violates my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) and the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ), which mandate the timely correction of billing errors and inaccurate information in consumer reports.

The lack of appropriate action by the credit reporting agencies also undermines the objectives of the Truth in Lending Act ( 15 U.S. Code 1601 and 1602 ( p ) ), which aims to promote informed use of credit and ensure fair and accurate credit billing and reporting practices.

I kindly request the Consumer Financial Protection Bureau to intervene in this matter and take the necessary actions to ensure : 1. Immediate removal of all unauthorized hard inquiries and fraudulent accounts from my credit reports.

2. Rectification of any inaccuracies in my credit reports caused by these fraudulent activities.

3. Assurance that the credit reporting agencies comply with the regulations set forth under federal laws to protect consumers from identity theft and credit report inaccuracies.
Product: Debt collection

I am filing this complaint against XXXX XXXX XXXX for failing to notify me of an alleged charge following the end of my lease in XX/XX/XXXX and and Carter-Young , Inc for continuing to collect a debt that I had repeatedly explained to them I was not aware of. 

At no point was I informed by XXXX XXXX XXXX email, phone, or mailabout any outstanding balance. In XX/XX/XXXX, I specifically reached out to the previous management team and asked if there were any remaining charges I needed to address. At the time, the current property manager continually quoted prior " Previous Management '', and I explained I made a point to double-check with the former management to ensure I left with a XXXX balance because they had not called the company to remove me from paying the electricity. I was told nothing was owed by previous management, but the current manager would not give me any information or proof of documention as why I was being charged now nor if proper communication was made. 

Despite my efforts to close out the lease properly, I received a letter from a debt collection agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX months after the lease endedattempting to collect {$310.00}. This was the first time I had ever been made aware of any such charge. XXXX XXXX XXXX failed to provide any formal communication regarding this balance within the laws of XXXX. Had I been notified, I would have addressed it immediately. Instead, their lack of transparency and communication resulted in a completely avoidable collections action that has caused unnecessary stress and damage to my record. 

I recently received an email from the collection agency with the documents that XXXX XXXX XXXX had provided them. With that being said the letter that was sent was the very first time I had seen it. I had pointed out to the collection agency that it is very easy to Photoshop a document like this after so much time has passed. I have told the agency over and over again my roommate and I were never informed of the charges and yet they keep trying to collect the debt. I had hoped they might see an issue when I pointed out the fact that my roommate also never received communication of the same debt from the apartment complex.
Product: Mortgage

PMI was cancelled on XX/XX/year> with an effective cancellation date of XX/XX/year>. We are still waiting on a return of premiums paid back to XX/XX/year>.
Product: Credit reporting or other personal consumer reports

This Information is Incorrect XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have sent in disputes to be investigated from all XXXX of the credit bureaus XXXX, experian, and equifax. Instead of these dispute letters being investigated as per law of the consumer. I am recieving letters back stating that the investigation will not be processed and it don't seems to be me requesting a dispute of letters I had to pay for with my drivers license and utility bill and social security card. I do not have money to waste and I do not use computer like that to do any thing online.
Product: Debt collection

I previously submitted a complaint for what I thought was a debt that was not mine. A {$720.00} amount showed up on my credit as a collection with the orignal lender listed as XXXX XXXX and the collector listed as XXXX XXXX XXXX XXXX XXXX. I had NO idea what this was. XXXX XXXX XXXX XXXX XXXX responded to my complaint with the documentation showing it was a purchase at XXXX. This cleared everything up for me! YES, I did make a purchase of a {$370.00} tv at XXXX, on what I thought was a take home lay-a-way program which is EXACTLY how it was described to me by the XXXX employee that sold me the tv. The tv was {$370.00}. I was n't going to buy it but the employee suggested their payment plan. He said it was just like lay-a-way, only you got to take the merchandise home, and make payments until it was paid off. The payments were set up for auto pay. That sounded great to me! I gave him the info, signed something on a key pad and left with the tv. The payments started coming out shortly thereafter. Please see attached bank statements showing payments that came out of my account from XXXX through the end of XXXX. The last payment came out on XXXX XXXX. By my calculations, I made {$420.00} in payments automatically. A reasonable person would think that when the payments stopped, the item was paid in full. I WAS NEVER TOLD OTHERWISE. According to the payment agreement that was provided to me by XXXX XXXX XXXX XXXX XXXX ( which I have attached as well XXXX, there should have been XXXX final payment on XXXX XXXX of {$30.00}. I do not see that payment on my bank statement. I do not see an attempt, or an overdraft fee or ANYTHING. So this whole collection is over a remaining balance of {$30.00}?!!! Are you kidding me?!! PLEASE, I need this looked into. There is no way this can possibly be legal or ok. I was NEVER given a copy of the agreement or any paperwork at all, other than a receipt. My phone number has been the same for 10 years. I did move a mile away but my mail was forwarded. I never received ONE phone call. I never received one thing in the mail telling me I still owed money!! I do not pay things late, I have good credit. I would have never let something so small just go delinquent. I was never given the opportunity to make it right. A full YEAR after I thought this was paid in full, I get hit with a collection!! This is WRONG. It is deceptive. And I fully intend to take it as far as needed to make it right.
Product: Credit card or prepaid card

A cash advance payment sent to a colleague was mistaken for a dispute as it had no label and did not show recipient on statement. I canceled the dispute, but they charged the recipient a month later anyway a processing fee of {$15.00}. The email sent to the recipient contained my full name, account number, transaction fee, and transaction number. This was in direct violation of my privacy. Had the recipient been indeed acting fraudulently my personal info wouldve been in jeopardy. They are not addressing this issue, I continue to get transferred or disconnected.
Product: Money transfer, virtual currency, or money service

I was offered money to put a XXXX decal on my car. The check ( over {$2500.00} ) came in the mail with a list of instructions to do with the money, the first being to text XXXX XXXX. 
XXXX then said to deposit the check and let him know when it cleared I woke up the next day to a text from him saying that the check had cleared and to send two Payments through Zelle for the amount of {$990.00} each to XXXX ( XXXX XXXX ) and the other to XXXX ( XXXX XXXX ). 
So I did what XXXX XXXX said and sent the money on XX/XX/XXXX and it seemed legit. 
He said someone would be at my house to install the Car wrap on Monday XX/XX/XXXX. 
I tried calling XXXX XXXX multiple times and the phone line eventually said that the number was no longer in service. I checked my bank account and the check was put on hold as of XX/XX/XXXX. My account is now negative because of the fraud check so I reached out to XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX in XXXX Wisconsin to ask if they work with the XXXX XXXX XXXX. 
The president of the company is on vacation and wont be able to get back with me until Wednesday XX/XX/XXXX, but the XXXX XXXX told me they currently have an open investigation to find the suspect. 
I called my bank ( XXXX XXXX ) and filed claims but they can not do anything until the situation is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX/LensCrafters to attempt to get a late payment removed from my credit report to all bureaus. I contacted them when the original late payment was reported. It reflects that I was 30+ days late. At the time i was receiving paper bills and never received one for that statement. When I called to inquire about not getting a bill i was told it was already 30 days late and had been reported but since i had never been late before, with good account standing moving forward it could be removed. I paid off the account in XX/XX/XXXX and the account has been current for 34 months. I called the company on XX/XX/XXXX to request it be removed and the person i spoke with was not compliant. I am asking that this issue be resolved.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX is a consumer reporting agency, and I am the consumer in this case and XXXX has allowed SEQUIUM to commit this fraudulent reporting. 
I have the right to make sure my private information isn't shared or exposed, which is backed by 15 USC 6801 which states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' non-public personal information. 15 USC 1681c ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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 antedate the report by more than seven years. '' This account is an adverse item that XXXX is reporting with the assistance of the third party debt collectors SEQUIUM without my permission, which is against the law. 15 U.S. Code 1681s2 ( a ) ( 1 ) states, " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX is not maintaining reasonable procedures and allowing SEQUIUM To fraudulently manipulate and report inaccuracies upon my consumer report. The worst part of all of this is that I never had nor implied any contract with SEQUIUM for them to have my personal information neither do I owe XXXX, the original creditor, any outstanding balances so where did SEQUIUM steal my information from is beyond me and I need to get to the bottom of it.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries listed on my consumer credit report referenced below, as they are the result of fraud or a data breach. I demand verifiable proof, including my signature or electronic signature, for any alleged authorization of these accounts or inquiries. 

This letter is submitted on my behalf, not through a third party, and I request your careful review. I have never authorized these actions, and their inclusion on my credit report constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically : FCRA Section 605B [ 15 U.S.C. 1681c-2 ] requires the blocking of information resulting from fraud or a data breach.

FCRA Section 604 [ 15 U.S.C. 1681b ] limits the permissible purposes for accessing and reporting consumer credit information, which these inquiries and accounts do not meet.

I have contacted the reporting companies and confirmed that these actions were initiated without proper validation or original proof. Since I never authorized them, these accounts and inquiries are inaccurate and must be removed immediately. Their continued presence constitutes the unlawful reporting of my consumer information by creditors and/or third-party data furnishers. 

I expect immediate action to investigate and remove these fraudulent accounts and inquiries. Please respond promptly in compliance with the FCRA.
Product: Debt or credit management

Lexington Law has claim to help fix and or repair my credit on twin different occasions. One being from XXXX and they never attempted to actually do any of the work. I was lied to and cheated out of upfront funds and never received any of the work or help they have claimed to assist me with.
Product: Credit card or prepaid card

My credit card account at Capital One Bank was charged a total of {$180.00} by the XXXX  gas station in New Jersey in XX/XX/2019. I have not made these purchases since I have never been to NJ. I have made several phone calls and letters to the bank. The bank refuses to credit the funds to my account and continues to charge me {$180.00}. The bank should credit me the amount of {$180.00}.
Product: Mortgage

Since Last XXXX, we have been in contact with SPS to try to do a new loan modification on our mortgage. They have been very uncooperative on helping us. They did do a modification, however they gave us a very short amount of time to pay our first payment. My wife had some medical problems in XXXX and I had some XXXX XXXX in XXXX. We reach out to SPS and asked about changing the date of our first payment. They did not change the date. 

SPS sent us a repayment plan instead. The repayment plan was for 2 times our normal payment. We were unable to pay this. Since then, they have been unwilling to work with us. 

SPS is also constantly changing our contact person. Every 2 -3 weeks we get a letter with a new relationship manager to talk to. We are constantly try to work out stuff, but we keep changing people to talk to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed an Identity Theft Report with the FTC. As recommended by them, I notified all 3 major CRAs by using the sample letter provided on the FTC 's website. The certified letter to Equifax was mailed out XX/XX/XXXX and was received by Equifax on XX/XX/XXXX. I attached the FTC-report, the letter to Equifax and the certified mail receipt/proof of delivery. 

On XX/XX/XXXX, Equifax responded in a letter ( Confirmation- # : XXXX, attached ), stating that " at this time, they will not block the information subject to the submitted identity theft and/or police report provided as part of the dispute ''. In addition, they stated that they would " contact each creditor directly to verify the accounts/s on my behalf. '' In my opinion, this was already a violation of section 605B of the FCRA since section 605B clearly advises the CRA what to do. Under 605B, a CRA can only deny a request to block information under specific circumstances and if they elect to do so, they have to inform the customer of said reason which Equifax failed to do in this letter. In addition, it does not make much sense to seek information from the original creditors to determine if ID theft occurred. Under 605B, it is the CRA 's job to NOTIFY the creditors of ID-theft, not to initiate a 30 day dispute and rely on information obtained by the creditors because in case of ID-theft, creditors often don't have this information. That's the idea behind 605B. 

On XX/XX/XXXX, Equifax sent another letter ( Confirmation- # : XXXX ), providing me with the results of their investigation. Only a few accounts were removed while others were " confirmed ''. Between now and then, even a " confirmed '' account was deleted by the creditor ( i.e. XXXX XXXX  ) which indicates to me that Equifax failed to investigate properly. 

As of today, the following fraudulent accounts are still not blocked on my Equifax-report : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and ALL four ( 4 ) XXXX XXXX XXXX collection-accounts ( see attached list ). 

As I pointed out at the beginning, all 3 major CRAs ( so XXXX   and XXXX as well ) were provided with the same sample-letter and documentation. For your information, I attached a copy of their investigation results. As you can see, they have blocked ALL accounts in question from their reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint with Experian regarding account discrepancies on my account that were not valid. I sent the complaint 30 days ago, on XX/XX/2022 and Experian failed to reply within the 30 days. According to the FCRA, that grounds for removal of those items on my credit. 

The accounts are XXXXXXXX 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

The dismissed bankruptcy on my TransUnion, XXXX XXXX  reports are erroneous and giving the wrong information. The XXXX student loan is also incorrect on all three agencies. If you can please tell them I will be filing suit against them because they are destroying my credit rating and I can not get any credit that o need.
Product: Money transfer, virtual currency, or money service

XX/XX/2018, Amount {$350.00}, companies involved : Chase and XXXX I purchased XXXX XXXX tickets through XXXX but fell for a scam. I sent payment through Chase/XXXX but never received the tickets. 

I called Chase within 10 minutes when I realized that I was the victim of a scam and spoke to at lease three Chase employees on the phone. But they claim there is nothing they can do to stop the payment and even told me I shouldn't file a police report because I initiated the payment!!! The payment was actually showing pending for at least five hours on Chase.com but Chase did not do anything about it.

I also filed a police report on this crime to my local police department a few hours later.
Product: Credit card

I have a Lord and Taylor credit card with a credit limit of XXXX because they had reduced my limit because of a decline in my credit score. I have n't used the card since this decline and before the decline my bill was paid on time. Recently I received a bill that I should have because the card has n't been used. Someone made fraudulent purchases on this card and I filed a dispute directly with the creditor and to date I have received and update but recently pulled my credit report and they have an unpaid balance and has closed the account without my knowledge at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

- I closed on my mortgage with Dovenmuhle Mortgage and paid in full on XX/XX/XXXX. 
- I had a significant remaining balance in my escrow account. 
- I waited until mid-XXXX for the refund check and it never arrived. I called Dovenmuhle in mid-XXXX, and they said they weren't sure why the check wasn't sent but promised to send. Waiting customary 2 weeks processing and 7-10 business days for delivery. 
- I waited until XX/XX/XXXX and called back. The check was never sent. They said I couldn't update my new address over the phone and had to email over a signed document asking for an updated mailing address. They asked that I wait 2 more days and call back to have the check re-sent. I asked for it to be overnighted and they agreed. 
- Called on XX/XX/XXXX and they initially said they never received the email. I resent from two different email addresses and eventually said they found it ( not sure if original or 2nd attempt ). I asked for it to be overnighted and the rep said she needed manager approval, who was in a meeting and said he'd call me back. Manager called back and left a message saying the check would be processed within 2 weeks and then mailed. 
- I called back and was told there was no way to overnight it. Asked for the manager and was put on hold for 20 minutes. 
- I called back and had to go through entire thing again, asking for a manager. Was put on hold for 10 minutes and went to the automated survey and I was disconnected. 

- I am waaaayyyy past the 20 day window for refund of escrow funds, and this entire process is unacceptable to illegally hold on to my money like this.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX