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 XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( 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  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

A judgment was entered on XX/XX/XXXX by Credit Acceptance to collect a debt on a vehichle. As of XX/XX/XXXX the debt has been paid in full.
Product: Credit reporting or other personal consumer reports

Urgent Dispute of Reinstated Missed Payments on Credit Report To Whom It May Concern, I am writing to formally dispute the reappearance of missed payments on my credit report associated with two XXXX XXXX XXXX credit card accounts. These missed payments were initially removed after a dispute, and I received the updated results from TransUnion on [ XX/XX/year> ] confirming their removal. However, on [ XX/XX/year>. XX/XX/year> ], my credit report was inexplicably updated, and the same missed payments were reinstated. This action is not only incorrect but also appears fraudulent as it contradicts the resolution provided in the dispute results I received. I have proof of the original dispute results showing that these missed payments were removed, which I am prepared to provide. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to have accurate information reported on my credit file. The reinstatement of these missed payments is a clear violation of this right. I am requesting that TransUnion immediately remove these inaccurate missed payments from my credit report and ensure that they are permanently deleted. Please confirm in writing that this matter has been resolved. Additionally, I request that you provide me with an updated copy of my credit report showing the removal of these disputed items. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Checking or savings account

This complaint is related to the signup bonus for opening a savings account through Citi bank. I opened up an account and met all the requirements to receive the signup bonus. 2+3 months have passed but I haven't received the bonus credited to my account. I've contacted the banker many times to find out what's going on but they keep saying to allow 1-2 days to process the credit every time I called them.
Product: Debt collection

To Whom it May Concern, I am writing to formally dispute the alleged debt of {$9200.00} that appears on my credit report in connection with my former apartment lease. According to your records, I purportedly owe this amount for skipping on my apartment. However, under Texas law, this amount is neither valid nor accurate.

Texas Law Requires Mitigation of Damages Under Texas Property Code 91.006, landlords have a statutory duty to mitigate damages by diligently seeking a new tenant once a lease is broken or abandoned. In my case, the apartment was successfully re-rented within 21 days of my move-out. This rapid re-rental demonstrates that the landlord was able to minimize any losses almost immediately.

Prohibition Against Double Recovery Furthermore, Texas law does not permit a landlord to collect rent from two parties for the same time period. If the landlord indeed collected rent from the new tenant, they can not legally continue to charge me for that same period. Attempting to hold me responsible for the entire lease term, despite having found a replacement tenant, is a violation of the principle prohibiting double recovery. 

Demand for Correction Because the apartment was re-rented within 21 days, the landlords damages, if any, should be reduced accordingly. The full amount of {$9200.00} is therefore inaccurate and must be adjusted or removed from my credit report. 

I respectfully request that you : Conduct a thorough investigation of this disputed debt.

Provide me with documentation verifying the amount claimed, including evidence of when the property was re-rented and any adjustments made to the balance. 
Update all credit reports and listings with the accurate balance owed ( if any ), or remove this erroneous item if it can not be validated. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), please note that you are required to cease collection activities and provide verification of this debt once you receive this notice of dispute. Failure to comply could result in further legal action.
Product: Debt collection

I called Barclays XXXX today regarding my multiple disputes on a inaccurate account that was due to fraud reporting on my credit being updated as accurate by Barclays. I have requested validation a copy of a signature or address these bills are being sent to I was told by the rep they couldn't help me they refused me any information even a account number, but they are reporting this on my credit as accurate? I asked them to delete this or provide me with the info requested. I was sent to 2 supervisors XXXX who couldn't help me, then XXXX who also refused to verify any information with me. but gave me a number to a collection agency. I am requesting this account removed from my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXl XXXX XXXX Credit Card ending in # XXXX. 

Inadvertently deleted from being reported to ALL credit bureaus, XXXX, EXPERIAN & XXXX contacted XXXX XXXX several weeks ago and they REQUESTED account to be REINSERTED to ALL.the bureaus As of XX/XX/XXXX,. it is still NOT BEING REPORTED as advised to my credit reports social security # ending last four digits XXXX
Product: Debt collection

When I applied for a home mortgage refinance loan in XXXX XXXX, the closing attorney found a judgment against my property. The judgment is not against me, but against XXXX XXXX XXXX, my ex-husband, and against my property, property that I purchased from him in XXXX. The judgment was also filed in XXXX. The debt collection agency is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Virginia XXXX, VA XXXX. The debt is to Capital One Bank ( I assume it is a credit that XXXX XXXX XXXX had ). I made call after call to XXXX XXXX XXXX, the attorney at XXXX XXXX XXXX with no success ( her number is XXXX ). I have also made a number of calls to XXXX at XXXX, ext. XXXX and have not been able to accomplish much toward resolving this problem. 

Bottom line : The default judgment is entered against my property, but not against me. 
The default judgment is against my ex-husband XXXX XXXX XXXX. 
I can not finish my home mortgage refinance application until the judgment is lifted. 
A decision was announced today that the Fed is going to raise interest rates by one fourth of a point which will cost me money for years to come because of the incompetence and lack of concern on the part of XXXX XXXX XXXX through no fault of my own. 
On XXXX XXXX, XXXX, I made payment in full of {$2200.00} to XXXX XXXX XXXX to pay off the debt, and get the judgment released so my banker and attorney could continue with my mortgage refinance. I made this payment using my debit card, and XXXX told me a printed receipt would be mailed to me the following day. After 2 weeks, and numerous follow up calls by me, XXXX XXXX XXXX finally sent sent me a printed receipt showing I made the payment. 
XXXX told me the judgment should be released within 30 days. 
XXXX XXXX XXXX, the attorney at XXXX XXXX XXXX, told me on XXXX XXXX I should not have to pay a debt I did n't owe, and she was going to see what she needed to do to correct it. 
It is almost impossible to get any information from XXXX XXXX XXXX, even though I am not at fault here, in any way, shape, or form. 
There is no public record in the XXXX XXXX, NC court system that the judgment was ever against me. The judgment is clearly against my ex-husband, and has been erroneously entered and is affecting me financially.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXX XXXX  regarding a debt they said I owed and made a full payment of the debt in return they would report the debt as paid off on my credit report. After receiving a full payment of the debt they reported the debt as a paid charge off account. I am in the process of refinancing my mortgage and this account status being reported is preventing me from being approved for the loan. The company did not provide me proper debt validation for this debt and I did not authorize them to access my credit this is violation of FCRA 15 USC 1681s-2. 


Account name XXXX XXXX XXXX XXXX XXXXXXXX Account type Charge Card I reached out to XXXX and paid the account in full in return the company agreed to have the account removed from my credit report but instead they updated the balance and left the account reported as a paid charge off account and the derogatory remarks and account status is preventing me from being approved for my loan. The company did not provide me proper debt validation for this debt and I did not authorize them to access my credit this is violation of FCRA 15 USC 1681s-2. 

Account name XXXX XXXX XXXX XXXXXXXX Account type Credit card I reached out to XXXX XXXX XXXX as well and paid the account in full in return the company agreed to have the account removed from my credit report but instead they updated the balance and left the account reported as a paid charge off account and the derogatory remarks and account status is preventing me from being approved for my loan. The company did not provide me proper debt validation for this debt and I did not authorize them to access my credit this is violation of FCRA 15 USC 1681s-2. 

Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account type Credit card Responsibility I reached out to XXXX and paid the account in full in return the company agreed to have the account removed from my credit report but instead they updated the balance and left the account reported as a paid settlement instead of paid in full and the account status is preventing me from being approved for my loan. The company did not provide me proper debt validation for this debt and I did not authorize them to access my credit this is violation of FCRA 15 USC 1681s-2. 

Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account type Credit card A company by the name of XXXX XXXX XXXX in which I had ever heard of before has been contacting me regarding a debt I believe that I don't owe. 
I did not give this company my personal information and at this time I am trying to get approval for a refinance so I made a payment of {$1200.00} in return they agreed to remove the account from my credit report but instead they reported it as a paid collection. 
I have never heard of this company before the company did not provide me proper debt validation for this debt and I did not authorize them to access my credit this is violation of FCRA 15 USC 1681s-2. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Security Credit Systems IncXXXX called me and my place of employment on XX/XX/XXXX about a student loan with XXXX XXXX University that was already dealt with ( via loan consolidation with XXXX ) in XX/XX/XXXX. They not only called me at my work number, they called a co-worker, and the front desk at my job and asked to speak with HR. I called them back and they were very rude, threatening, and predatory. They told me that I have this on my credit report and that i need to make payment today. When I told them that I would like to look into the matter myself before sending payment, by pulling my own credit report and contacting XXXX, they told me that my offer would not be valid if I did not call them back tomorrow. They claim that I owe them {$11000.00}. I pulled my credit report and did not see that debt listed. I also called XXXX and they confirmed to me that the debt was consolidated successfully back in XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I sent a {$29000.00} wire transfer to Wise so they could convert it to XXXX Yen and send it to my broker XXXX XXXX. The funds were taken from my account and received by Wise. But Wise hasn't sent them to my broker XXXX XXXX.
Product: Mortgage

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent a check to pay my mortgage for the month of XXXX in the amount of {$1900.00}. American Financial Network has not applied the payment to my account. I've called and reached out on numerous occasions to get the situation resolved.
Product: Debt collection

Constant calls from number entered on form and ( XXXX ) XXXX. These numbers call on average 4 times a day, sometimes within an hour of each other. Any message left is usually dead air, but usually no messages left until about a month of calling, usually within a week of a loan payment issue. This has been going on since the loan was starting to be payed ( approximately 2008 ). They were also told numerous times to not call my cell number, especially without leaving a message. The same type of call patterns are done on my house, cell, and spouses cell. At one point in time the loan payments were in properly distributed. That happened for approximately a year before anyone caught this ( information from company ). I had heard that the company was and the school were sued for improper loan practices, but anytime information is asked for they skirt the issue and ignore it as if I was an XXXX. As I have been working in public service since before the loan was required to begin payment, I have asked on information on loan forgiveness for public servants, with no reply to the question or no reference information. I belive some of the resolution to payments have possibly caused me to give up the chance at loan forgiveness. If they have, I was never told this was going to happen.
Product: Debt collection

I received a notice of a debt for money owed to XXXX XXXX XXXX. I do not recognize this company- if it was originally my debt it has been cleared and must be over XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX, and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Status of this account is Showing Paid or Paying as agreed but it also show 2Late payments that should not be reflecting on my Credit Profile and I am Hereby Demanding Deletion to the Invalid information Showing on My XXXX, XXXX file Pursuant to My Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I have a PayPal XXXX account for my company XXXX XXXX. During the year 2019, I was operating a PayPal account using my company 's email ( XXXX ) and tried to sell items that PayPal did not allow for the sale of in their acceptable items list. I was selling Vaporizers in accordance with Oklahoma law where I was selling them. PayPal 's brand risk department and I spoke through email correspondence and resolved the issue I removed all vaporizers from my store and stopped selling them. 
PayPal then fully reactivated my account, and I did not try to sell vaporizers anymore instead men 's clothing and electric bicycles were the products I decided to sell. During this past XXXX, I started using PayPal 's currency conversion tool that is in their Money tab to convert my USDs to Foreign XXXX Currencies ( I diversified spreading risk among multiple investments in foreign currency as my Finance Degree told me to ). I chose well, and my investments increased in value due to increases in exchange rates. PayPal then froze my account again and sighted my trying to sell vaporizers as the reason for the freeze. I have actually had really bad sales through PaPal and only had been using it to store small amounts of capital I was using for advertising payments to internet-based ad agencies in attempts to sell the men 's suits, and electric bicycles I had purchased wholesale from XXXX manufacturing plants.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone hacked my network and stole my personal information and stole my identity and opened up accounts in my name. I do not know who it was, but all I know is that there was various accounts on my credit report. I filed a police report and an affidavit with the credit bureaus. XXXX   and XXXX  removed/blocked the fraudulent information but Equifax have not and refused to remove the fraudulent account. There are five accounts which need to be removed, which are : XXXX XXXX XXXX-Balance : {$6300.00}, XXXX XXXX-Balance : {$15000.00}, XXXX XXXX XXXX XXXX-Balance :  {$40000.00}, XXXX XXXX- Balance : {$18000.00}, and XXXX XXXX : Balance : {$52000.00}. Please remove immediately because these accounts are not mine and are fraudulent.
Product: Mortgage

We are homeowners who were paying our mortgage religiously every month for over 12 years {$1200.00} a month. Then, Nationstar Mortgage ( NSM ) bought our loan and increased the payment to {$1900.00} a month. The increase amount was not in our budget so we called the company for a loan modification. This is when our American dream turned to a nightmare. 
We are filing a complaint based on illegal representation of loan modification procedures and omissions of NSM, now Mr. Cooper. 
Our family has not been awarded / granted a loan modification although we have tried. NSM took too long to finalize our file and now we are facing foreclosure. 
We would have made our payment only if we have received the approval letter and confirmation of future payments. We never received the final notice, we found out when we did not hear from them, and we decided to call them. When we made our inquiry with NSM, as to why we were not informed, we were told that we had to start the process all over again. This negligence has led to further disarray and miscommunication between the loan documentation department. We were then instructed to wait for approval one more time and to complete another application. 
RIGHT NOW, WE NEED TO SAVE OUR HOME on XXXX XXXX XXXX XXXX XXXX, Florida XXXX. On XX/XX/XXXX, we have a hearing for FORECLOSURE. 
I beg you to help with canceling foreclosure and finalize the modification. I got in touch with an HUD agency to help us with counseling and a solution on our own. I want a review of our loan modification ; please help our family save our home. 
Important dates : XX/XX/XXXX- Mortgage payment increased to {$2000.00} we called to do a modification and after hours spent on the phone and many papers faxed and sent by mail ; we never got the letter for approval. we called and XXXX XXXX from NSM told us that we had to start all over again because we did not responded to the approval that by the way we never received. 
XX/XX/XXXX-XX/XX/XXXX Second modification was done but we were told by our broker, XXXX XXXX XXXX, XXXX and Attorney XXXX XXXX not to pay because we were not guarantee the future monthly payment and that NSM could keep that money and not decline the loan modification. We were scammed by XXXX XXXX and Attorney XXXX XXXX,. as you can see in the court papers, they never responded to the court. They made us signed the deed of the house, rented our house and kept the money for more than six months. 
After that we hired Attorney XXXX XXXX XXXX to defend us and XXXX to deal with the application for modification. XXXX did not include my income and the modification was denied for lack of income. He said that because my name was not in the loan ; it was okay not to add my income and only use my husband 's income. 
We are now facing a day in court and we do not know what to do. 
We contacted XXXX XXXX XXXX and have an appointment for counseling next week. ( see attachment information ) We attached the court case for dates and information
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenitybank/Victoria Account XXXX XXXX is reporting as an delinquent account across all three of my credit bureaus which is inaccurately reporting as all my payments for this account has been on time and there were never any late payments. As a result, of this I closed the account because of the inaccurate information they were reporting to the credit bureaus and these false representations of a delinquent account severely hurt my credit score. I am in the process of going for an mortgage loan in which this issue from the past is continuing to haunt me which is inaccurate and I need this fixed. See attached documentation.