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

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ) .I 'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process.

2.Sarver v. Experian Information Solutions , Inc. , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report.

3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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

I was contacted by XXXX back in XXXX via phone about wanting a full payment or arrangement immediately for {$1600.00} XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX They let me know they had acquired my Regional Finance account, which I hadn't heard anything from anyone in years about, telling me they're going to start garnishing my wages if they don't get their money and arrange something. I never knew or gave permission for my information or account to be sold off. 
according to 15 usc 1692c ( c ) If a consumer notifies a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communications. In reporting to my consumer report, that's a form of communication and also I never knew or provided permissions.
Product: Debt collection

This company just appeared on my credit reports apparently for XXXXXXXX XXXX XXXX. I went through a divorce this year and I changed insurance companies as did my ex spouse. I successfully got insured without any mention of money owed to XXXX. This company never contacted me by mail and to my knowledge on my phone either. I am attempting to purchase property and this has set me back as they have already damaged my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America Home Loans Services has ERRONEOUSLY reported late payments for the months of : XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 & XX/XX/XXXX. I have contacted BOA and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by Bank of America
Product: Debt collection

i was looking at my credit report and national credit system is on my credit report. in tennessee the statue of limitations for debt is 7 years and it has to be removed from my report. this debt started from the information online XX/XX/XXXX. 

this means the debt from the national credit system according to tennessee debt collection law should come off the credit report in 7 years. 

this means the debt comes off XX/XX/XXXX. 

according to the credit report that i attached the last day of activity on my account now was XX/XX/XXXX. 

there was no increase in balance, no new payment, and they changed or re-aged this date so the account on my credit report would stay on there for another 7 years which would be XXXX. 

this is re-aging which is illegal and owes me money for this illegal activity.
Product: Credit reporting or other personal consumer reports

I am writing to formally request verification of the following accounts that appear on my credit report, as allowed under Section XXXX of the Fair Credit Reporting Act ( FCRA ). The information below appears to be inaccurate, XXXX I am requesting proof of verification to support its continued presence on my credit report : As per FCRA XXXX, I am requesting copies XXXX any contracts or agreements that you have on file that demonstrate my responsibility for these debts. If you are unable to provide the necessary verification documents, I request that these items be deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX This XXXX XXXXXXXX account is illegal and unauthorized and needs to be removed via USC 1681li ( a ) XXXX XXXX XXXX XXXX {$16000.00} Date Opened XX/XX/XXXX **the account below is beyond reporting limits and needs to be removed asap! ** XXXX XXXX {$1500.00} Date Opened XX/XX/XXXX XXXXThis Bankruptcy is well over 7 years of the statue of limitations for XXXX XXXX credit bureaus XXXX It must be removed from XXXX, Experian, and XXXX in a timely manner** Bankruptcy XX/XX/XXXX Collections XXXX XXXX XXXX  {$1200.00} Date Opened XX/XX/XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct or delete the following items that I believe are inaccurate and harming my credit. 
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 reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Product: Checking or savings account

Husband received call onTuesday XXXX around XXXX regarding a possible fraudulent withdrawal to our account. My husband confirmed that the charge was indeed fraud and the bank was supposed to cancel the card and issue a new one. However, they never did and another XXXX transactions additional to the one we received the call about, hit our account over night to a total of XXXX. We called the bank first thing Wednesday morning when we saw and were told that my husbands card was never cancelled and a new one had not been issued. We were then told that because it was such a high amount that it would have to go to High dollar value fraud department and they would call us between 2-5 business days. Meanwhile they are charging us overdraft fees, they paid all of the fraudulent charges but returned my mortgage payment and will not issue a credit so that can go through. We are on day XXXX and still no help or concern from them.
Product: Vehicle loan or lease

I leased a vehicle through us bank. The lease is ending XX/XX/XXXX. US Bank provided me 3 options : trade-in, turn In, or purchase. On XX/XX/XXXX I attempted to enter into a lease for another vehicle and trade-in the vehicle leased through US Bank XXXX US Bank would not allow the trade-in unless the dealer paid a mark-up of more than $ XXXX of what the lessee had listed in the contract to purchase. Basically US Bank is only allowed to make equity on th sale of the vehicle, not the lessee who drove, maintained, a made prompt lease payments on the vehicle.
Product: Credit reporting

This is in regards to Equifax statement of dispute about a Public Record that IS NOT CORRECT!. 

They have a Public Record on my credit which is not correct. I sent documentation to along with my dispute to show what they have is incorrect : Meanwhile I find it VERY hard to believe that they " verified that this public record item is reporting correctly and verified that this item belongs to you. '' in a little over a week.. I DONT THINK SO! 

I also question why they fail to leave there phone # or any contact info after the part where they say '' If you have additional questions about this item please contact ''. 

And this is what they said about Inquiries I disputed, " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' This is clearly a matter of them not doing there job, I say this because I send in the documentation to show I do not owe any one.
Product: Checking or savings account

They are no longer connecting with the XXXX account so when my tenants pay rent I can not access the funds to be moved to my bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

Vanderbilt has been the worst mortgage company by far that I have ever worked with. They have given me nothing but problems and false reporting throughout the entire relationship. I am so glad that they sold the load to XXXX. 

Back in the XXXX, XXXX, XX/XX/XXXX time frame that had a totally random faulty reporting of late or missed payment on my credit report. When I saw it ( only because I was closing on another property and the lending company saw it ) I called Vanderbilt and they sent the attached letter apologizing for their mistake and promising to remove it. As you can see from my current report.. .they NEVER actually removed it. A late payment from spring of XXXX is STILL on my credit report. 

In XXXX there was a hurricane in XXXX Florida which is where this property is located. Vanderbilt mortgage pro-actively reached out to me to suggest a disaster relief plan that would have me defer three months payments. They told me to skip three months payments and then on the 4th month they gave me a new amount that I would be required to pay for 6 months. ( this amount represented my normal monthly amount plus an additional amount to make up for the three months by spreading it out over 6 months ). I did everything that Vanderbilt told me to do. I skipped the three payments and I set up by automatic bill pay with the bank to pay a higher amount for 6 months and then resume with my normal monthly payments. 

I was never any days late. 

I heard that sometimes when they set up deferred payment deals that they plan on marking you as 30 days late, even though in my conversations with them before agreeing to do this.. They assured me that there would be NO negative reporting on my credit report. 

They did report me as late.. .however, I never missed nor was late on any payments with Vanderbilt mortgage. 

Very predatory lending practices by Vanderbilt. I hope to never have to do business with them again. 

Their predatory practices prevented me from closing on a new home which was to be my first home owned primary residence since XXXX. 

Please help. Thank you so much. 

XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX STILL HARASSING ME. ABOUT XXXX  XXXX OF XXXX ALABAMA HERE IN XXXX ALABAMA WHERE I LIVE. THEY ARE THREATENING TO TAKE LEGAL ACTION AGAINST ME. I LIVE WITH MY MOM AND DAD THEY HAVE PROBLEM TOO. IT BEEN 7 YEARS THEY ARE KEEPING ON WITH THIS XXXX. AND THIS WAS DATED BACK IN X/XX/15.THEY NEED TO LEAVE ME ALONE. I DO N'T IT TO GIVE. THANK YOU FOR LISTEN TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the validity of two collections accounts listed on my credit report, which were reported by XXXX XXXX ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts.

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency.

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.
Product: Checking or savings account

PNC Bank has my 3Rd stimulus payment of XXXX after my checking account was supposed to be closed due to bankruptcy that I had no choice to file due to identity theft back in XX/XX/2021. I assumed my stimulus check would come to me by hard copy and mailed to my XXXX XXXX XXXX After I had not received my money from the IRS. I decided to call my old bank PNC to see if my money was sent there? Sure enough the customer representative saw that it had posted on XX/XX/2021 for XXXX with no activity on this old checking account after the money posted. I was then transfer to bank operation and told that the money had been posted and sent the direct deposit back to IRS. After many certified letters to the IRS and calls and a visit to PNC bank, I received a notice from the IRS that PNC would not corporate with the IRS. Also, the IRS letter stated that I should contact the PNC bank which I did and now the PNC bank stated that they can't find my money. I stated the name of employee and the date of who I talked to and was told the person no longer works for PNC Bank this was the person that stated that my money was sent back to the IRS. The back called me back and stated that they found my money in an amenity account. Again, they have changed their story stating I took the money out of this supposed close account. The bank can not produce a statement showing where the money was withdraw. After 5 more months this bank has denied me my money that the IRS sent direct deposit to a checking account that should have been closed back in XXXX when I filed for bankruptcy. I believe this is against the law.. These people that work for PNC bank are very vindictive and think this is no big deal.. They will lie, cheat, and steal my money to cover their XXXX. It took pnc bank 5 month to come up with a plan to redact statement for month of XX/XX/2021. Stating i withdrew the money which is a lie and they know this.. I asked to see the footage of me withdrawing the money they wont let me see the footage, furthermore I stated this so called withdraw was impossible due to me being out of town for XXXX in XX/XX/2021 and part of XXXX XXXX this problem is still going on, it will be 1year and 8 months they have kept my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX account # XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX
Product: Debt collection

I closed the account with XXXX last year and was given a pay off and then made the final payment in XXXX installments with the final payment paid last XXXX. This account should be clear of any charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted to the major credit reporting agencies a dispute in regards to accounts and inquiries on my credit that I never knew about or authorized. It has been well over 30 business  days since I have submitted my dispute via certified mail to the addresses they have listed on the websites, yet to no avail as the accounts continue to erroneously report on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a notice Of inaccuracies on my credit report via certified mail. 
Certified Receipt : XXXX Certified Receipt : XXXX Certified Receipt : XXXX Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; The debt has been paid Pursuant to 15 U.S. Code 1692e. False or misleading representations You are in violation Please show original contract ( wet ink seal ) Show me the contract where you have permission to use my name?

In order for any contract to be legal, lawful, and valid, it must con tain all 4 of the following requirements. If any 1 is missing, incorrect, or otherwise invalid, the entire contract is considered breached and unen forceable. A contract must : # 1 Provide full disclosure of all the terms of the contract. 
# 2 Provide equal consideration from both parties to the contract. 
# 3 Provide for and evidence lawful terms and conditions. AND ... 
# 4 Contain signatures of both parties to the contract, signifying a meeting of the minds.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX, XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I attached the letter I sent out and here is the tracking number # XXXX XXXX XXXX XXXX XXXX. 

According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing multiple inaccuracies. 

Accounts listed Name : XXXX XXXX Account # XXXX Name : XXXXXXXX XXXX  XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I've never been late for the account that reporting wrong and effected negative on my history, i am in middle of the loan and my history means alot please correct it and makes it fair. thank you so much
Product: Mortgage

Contacted NFM mortgage on XX/XX/XXXX regarding an error with the property taxes on an annual escrow analysis. The mortgage servicer representative was unable to explain on how an annual property figure of {$5400.00} was obtained? The mortgage was closed on XX/XX/XXXX with the XXXX annual taxes of {$4000.00} from the XXXX property tax bill. The representative was unable to explain why NFM mortgage did not research and obtain the XXXX property tax bill from the XXXX county property assessor for the annual escrow analysis.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has had 3 accounts in dispute status for over 60 days and have not deleted them and XXXX and XXXX have.