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

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXXXXXX XXXX failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. Provide me with all documentation used to verify the accuracy of the disputed information.

2. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect XXXX to handle this dispute with the less 3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone Inquire XXXX credit card without in my knowledge on XXXX-2023 report by Experian.Request to remove inquiry.
Product: Debt collection

My employer received a writ of garnishment on me for a credit card through XXXX XXXX. I did have a credit card in XXXX and possibly still owe the debt. However, the judgment is through XXXX , XXXX through an attorneys office. The judgment date on the court document says XXXX, XXXX but the order was signed XX/XX/XXXX. The card was last used in XXXX. However, the XXXX company could not provide me with any information other than it was a XXXX account. I offered to pay a settlement and they countered with a settlement I am not willing to pay. I was not notified in person, phone, or mail of this debt, only from my employer who received the writ in the mail. The statue of limitations should have expired in Arkansas. Also, the company has been unable to provide me with any information regarding my account with XXXX other than that I owe a debt.
Product: Credit reporting or other personal consumer reports

This Account was charged off on the following date XX/XX/2023 Since then the account has repeatedly been updated as charged off every month, This is an update in the payment history. A Charged off account should not include an active payment history. This is inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XX/XX/XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INFORMATION I HAVE LISTED BELOW ARE INACCURATE AND UNKNOWN/ IDENTITY THEFT..I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES OR LIVED AT THOSE ADRESS EVEN MY NAME WAS LISTED 3 DIFFERENT WAYS ON THE REPORT THATS LINKED TO UNKNOWN/FRAUD ACCOUNTS XXXX  and XXXX XXXXTHESE ARE INACCURATE SPELLING OF MY NAME THESE ADDRESSES ARE EVEN INACCURATE OR UNKNOWN I HAVE LISTED THEM I NEED THESE REMOVED BECAUXE THEY ARE LINKED TO UNKNOWN ACCOUNTS XXXX, XXXX, TXXXXX   XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX   XXXX XXXX XXXX, TXXXXX HARD INQUIRIES -NEVER DID BUSINESS NOR RAN CREDIT WITH THESE COMPAINES XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RETURNED THE VECHILE AND THEY SOLD THE VECHILE NEVER SENT THE UPDATED PAYMENT AFTER THE VECHILE WAS SOLD THEY NEVER SENT ME THE REMAINING BALANCE AMOUNT AND NOW THEY ARE REPORTING INACCURATE INFORMATION ON MY REPORT FOR YEARS AFTER THE CAR IS SOLD AND THEY WANT ME TOMSTILL PAY THE FULL AMOUNT WHICH IS FRAUD XXXX XXXX XXXX # XXXX-NEVER DID BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX XXXX XXXX # XXXX- NEVER DONE BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION EXPERIAN AND XXXX WITHHELD MY CREDIT REPORT YET ARE REPORTING TO 3rd PARTY XXXX XXXX  AND OTHER COMPAINES INACCURATE INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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: Credit card or prepaid card

I have contacted Citibank XXXX XXXX Card to work out a settlement which the representative agreed to an amount to settle the account for less. The representative from Citibank refused to provide a letter that details the settlement and attempted to bully me by stating that Citibank is the 4th largest bank in the US. When I requested that I be permitted to use a recording of the settlement for record purposes the representative was rude and said Citibank will not allow a recording of their agreement but they on the other hand can record. This is not only unethical but very shady way of doing business. I made it all the way through the discussion when the representative kept insisting that I must pay without the letter. I requested a fax, email or even go to the bank to get a copy as the funds to settle for less were obtained from family member. I have a illness and the funding would be given by a family member. While Citibank may be large bank the abusing of clients should be frowned upon. The date of the call was on XX/XX/2021. The statement is that I can not settle with them with a stipulation. I have told them various times that the funding was from family member and that I want to make this settlement happen yet they have not wanted to provide the settlement in writting. I was advised that a verbal agreement was not a legal binding agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act.

Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Product: Credit reporting or other personal consumer reports

While I out of the county as a government contractor, upon my return I was in the process of buying a home. I pulled a copy of my credit report and noticed several items that I knew were not accurate. I did some research and found out that I was a victim of ID Theft. I notified the credit bureaus and they have not responded back to me yet. Below is the list of fraudulent accounts that I need to have deleted. 

XXXX XXXX date opened : XX/XX/XXXX Bal : {$360.00} XXXX  date opened : XX/XX/XXXX Bal : {$00.00} XXXX XXXX date XXXX : XX/XX/XXXX Bal : {$00.00} XXXX XXXX  date opened : XX/XX/XXXX Bal : {$440.00} -XXXX  date opened : XX/XX/XXXX Bal : {$1200.00} -XXXX  date opened : XX/XX/XXXX Bal : {$8100.00} XXXX date opened : XX/XX/XXXX Bal : {$1600.00} XXXX XXXX date opened : XX/XX/XXXX Bal : {$590.00} XXXX XXXX date opened : XX/XX/XXXX Bal : {$770.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent an FTC identity theft report. The report was signed and notarized and sent XXXX  mail with XXXX  receipt. I will upload copies. Like I stated before in my cfpb complaint, I have been disputing the same accounts since XXXX and I started again in XXXX of XXXX. I asked for validation of debt and was sent a paper saying it was verified. Then when I sent the FTC report on XX/XX/XXXX they still failed to remove the addresses, names, and the accounts that are not mine. I did not ask them to remove it is a demand. Pursuant to FEDERAL LAW 15 U.S. Code 1681C-2 ( A ) the CRA 's have 4 business days after receiving the FTC report to delete and block the reporting information. They did not do what Federal Law said. They sent a response to me through the FTC saying that I need a Police report. On the signature page of the FTC report it states that if you do not CHOOSE to file a report with law enforcement, you can use this form as an identity theft affidavit. At this point, there has been over XXXX different violations of my consumer rights. 15 U.S Code 1681 ( a ) ( 4 ) violations is infringed upon consumer 's right to privacy. 15 U.S Code 1681i ( A ) 91.A ) when any account is in dispute on your credit report for any reason by federal law, the account is to be removed from your consumer report while a full and complete investigation is done. The CRA did not validate the debt because the original creditor is the only person that can validate the debt. Pursuant to federal law I am the XXXX XXXX. Violation of 15 U.S. Code 1692e. I demand that they report the correct and complete information on my report. I'm uploading a new FTC report also.
Product: Mortgage

Hello, I would like to file a formal complaint with the Consumer Financial Protection Bureau regarding Freedom Mortgage 's failure to pay my XXXX property tax to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  in XXXX, NC by the due date of XX/XX/year>. The balance is still outstanding as of today, XX/XX/year>. I am subject to a 2 % interest accrual on any unpaid balance if it was not paid by the due date of XX/XX/year>. This bill was sent to both me and Freedom Mortgage on XX/XX/year>, which provided ample time for Freedom Mortgage to pay it on time. 


Freedom Mortgage XXXX XXXX XXXX, XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I discovered In XXXX of XXXX that one of my contractual monthly payments of {$2100.00} were misapplied to escrow account. I have been asking them to reverse this and correct it since then and they have failed to do so. This caused my 1098int to be in error as well. The 1098int showed I only paid {$370.00} in property taxes but in reality XXXX XXXX records show I paid in {$2500.00} which is big error. The amount misapplied over funded my escrow and this year ( XXXX ) they are claiming my escrow account was short and in the most recent Mortgage Statement they have increased my escrow by $ XXXX and are asking me to pay additional $ XXXX which is the shortage amount and my previous escrow was $ XXXX in XXXX and now its {$820.00} for XX/XX/XXXX statement. I am at this point requesting an audit of my account with Loan Servicer as they have never corrected the issues and are now demanding more monies from me. I have done some basic math for escrow and adding both of my Insurance 0f {$3600.00} and taxes of {$2500.00} give or take {$15.00} which comes to total of {$6200.00} divided by 12 equals {$510.00}. If there is a deficiency in escrow it should be calculated into future payments and not be billed all at once is the first concern, second is that my escrow account was over funded by {$2100.00} how can this be deficient. My account serviced by Rushmore Mortgage needs to be audited from XX/XX/XXXX and forward so basically last two years because of misapplication of payments. I also have been charged late fees for all of their errors and not reversing the misapplied payment. I have all of my notes every time I called in and who I spoke to and what I was told date and time stamped. Please Help as they have continued to say account is correct but yet it is not.
Product: Credit reporting or other personal consumer reports

Equifax is currently reporting negative information as a violation to federal laws. The XXXX XXXX XXXXXXXX for the XXXX XXXX of Georgia stated that they did not provide information to Equifax and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Product: Mortgage

New Rez intentionally delays the recast process. The customer success team all has a different story on how to do a recast and pay down your loan. Website portal useless for recast process. Fax number on the forecast auth form is not the right number I was told after faxing the " recast authorization form '' to that number. I was told to use a different fax number. I used that one. They still did not receive. I was told that I could upload it online and so I sat there with the customer service guy to how me where and there is no place online to upload it. He was mystified. Then i was told to email it. I will try that. Throughout this whole process there is no proactive notification - no texts emails, or anything in portal - only way to know status is to call in and check. One time I was given a ticket number over the phone and New Rez said that I would receive a pice of physical mail with the status of my ticket (!? ) Typically a company with support will have support online with ticket history. End of the day the entire " recast authorization form '' debacle is easily something that could just be online if new rez was interested in people recasting- but they aren't they are interested in delaying and blocking the process from what I can tell.
Product: Credit card or prepaid card

I applied for a XXXX XXXX XXXX XXXX XXXX  ( through Chase ). The promotional offer I applied for listed XXXX miles and XXXX  'Premier Qualifying Points ' ( PQP ) after an initial spend on {$5000.00} in the first 3 months of card ownership. 

I completed this initial spend, and received the XXXX miles. However, I did not receive the PQP that were advertised. Currently the offer lists only the XXXX miles as part of the initial offer, but I applied on XX/XX/XXXX, before the offer expired on XX/XX/XXXX, so I believe I am still entitled to this benefit, and would like this to be applied to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a formal dispute with XXXX, Equifax and XXXX   on XX/XX/2018 via certified mail. In this dispute I informed all of them that they were reporting unverified incorrect data on the credit file they possess under my name. I also reminded them that they are bound by the Fair Credit Reporting Act to report only true and verified data. As per FCRA laws, they are required to have a copy of the creditors ORIGINAL documentation ( a consumer contract with my signature on it ), on file, to verify the information being furnished is true and correct. I requested XXXX, Equifax and XXXX to provide me with copies of ALL documentation associated with this account entitled to me in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ). I also requested all three agencies to provide me with the method of verification as per Section 611 ( a ) ( 7 ). I stated that in the absence of any such documentation they permanently DELETE the inaccurate unverified account on my file. The companies responded to me that they have " verified this account belongs to you ''. Equifax, XXXX and XXXX  did NOT provide any information that i requested. No documentation was provided to me at all, they also provided no method of verification. This is AGAINST THE LAW and in clear violation of my rights. I demand XXXX, Equifax and XXXX be held liable for reporting false invalidated information. To date, the account 'XXXX & XXXX, XXXX XXXX, XXXX XXXX , LA XXXX ' remains on my credit file and I want this account permanently deleted IMMEDIATELY as it is inhibiting my right to good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received another dispute letter from XXXX dated XX/XX/2023. It continues to show ( page 5 of 8 ) that I have a {$59000.00} balance with the Department XXXX XXXX. I have contacted XXXX about this issue many, many times in the last 2 months and nothing is resolved. XXXX did not report my balance with them accurately despite what they have reported to cfpb. Please see the attached documents.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on XXXX Credit Report Dear Equifax, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the inaccurate information being reported : 1. Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Thank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXX timeframe. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

My Credit Karma Money account is randomly scheduled to be closed. I just received credits for a dispute and now I dont have access to my money. Credit Karma will not give me any information on this. They will not allow me to transfer my funds. They wont speak with me on the phone anymore. I cant transfer my funds to a different account. Credit Karma will not give me any information other than my account is scheduled to be closed. I believe I am also being racially profiled as they will not unlock my account or allow me to transfer funds. I have had no issues with this account as far as me being able to access my funds. Now that I received a huge deposit they lock my account and wont allow me access also while withholding information. Credit Karma approved my dispute and issued my funds back to me. Now they are not allowing me access to my funds.