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

I filed a dispute on XX/XX/year> on account XXXX, XXXX FUNDING due to incorrect information. Experian failed to follow up with the investigation. Ive recently learned that CFPB has filed a lawsuit against Experian. They allege the company fails to follow up with disputes and accepts unreliable information. Experian fails to actually effectively investigate the accuracy of this information. I really need some help with this as it is ruining my credit. I am asking that this derogatory remark be removed immediately. Experian has violated my rights to fair and thorough investigation as a consumer.
Product: Mortgage

A reverse mortgage lender assessed against the reverse mortgage loan {$15000.00} in fees for " removal of a lien '' on the property. However, there never was a lien on the property, according to the county recorder 's record. When the reverse mortgage lender was contacted in writing on several occasions and asked to provide a written explanation, they did not want to discuss the matter and kept insisting that they had no knowledge. The original borrower of the loan has died and the lender is calling the loan ; for which, they have started a foreclosure process. I reminded the lender in writing that their foreclosure action is based on false information and incorrect final balance, however, my warning again went unheeded.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX XXXX XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I was a victim of identity theft and noticed a collection from CMRE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CMRE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint serves as a follow-up complaint to my previous complaint dated XXXX XXXX XXXX I want to dispute specific records in my credit file that do not belong to me or that I have signed any agreement. The items must be removed to clear my file of erroneous items Ive already included this in my previous Complaint & I am including it again. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XX/XX/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, credit repair services, or other personal consumer reports

I have seen collections on my XXXX Credit bureaus. I don't remember or recalled doing any business with them. Multiple times, I asked them to provide me with some kind of proof that I conduct business with them. Nothing was ever produced for me. When, I called them they ask for my personal info, or put me on hold for long long time. Please help me.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information that are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXXXXXX 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 XXXXXXXX ; XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX # XXXX Inquiry : XXXX XXXX, XXXX ; FACTUAL DATA, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is very very clear that this report is incorrect. The only late remark present is a single LATE 30 DAYS then after that a CHARGED-OFF remark. I believe it will not be hard to remove this account.
Product: Money transfer, virtual currency, or money service

I transferred funds from my trading account to my Coinbase account. The wallet address in Coinbase was in USDC, however, the funds were received into my Coinbase account in USDT. My total Coinbase balance reflects the funds received however upon making an attempt to convert the USDT to regular USD, Coinbase doesnt allow me to to do. At first, I didnt know where the funds were at but upon contacting Coinbase, they told me that its in USDT XXXX I explained to them that I cant convert to USD. They provided no assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

see attach FTC violations XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX could not add all accounts on FTC maybe more to come
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Identity theft. I have supplied police report, FTC report, passport and SS verification over 22 times through CFPB and Equifax. Please investigate without using AI or Metro reporting and secondary bureaus like XXXX XXXX XXXX XXXX XXXX Send me proof by mail on a through investigation. Which shows how this person signed up for these accounts proving that these accounts belong to me. This is my final warning before I take all of this to court and sue. 

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 XXXX XXXX XXXX XXXX
Product: Checking or savings account

If I am not mistaken it was in XXXXXXXX XXXX XXXX when they froze my account. Truist Bank ( formerly Suntrust Bank ) in XXXX ( XXXX XXXX, XXXX, VA XXXX XXXX thinks there could be a fraudulent activity on my account due to a check that was issued to me which I deposited. They said it will take about a month for the investigation but after going there several times, they said they couldn't give an answer because of the transition from Suntrust to Truist that they do not know what has been going on with my account. I'm very frustrated that they couldn't figure out what's going on with the account knowing it has been almost 3 years since that happened. I'm about to file a lawsuit to them but might as well report this to the bureau.
Product: Checking or savings account

On XX/XX/2019 I transferred all funds ( less {$50.00} ) from my checking account ( xxxxXX/XX/XXXX ) to my savings account ( xxxxXX/XX/XXXX ) at the TCF Bank # XXXX, Branch XXXX located at XXXX XXXX XXXX XXXX., XXXX, AZ XXXX. 
On XX/XX/2019 I submitted a Recurring Debit Card Stop Payment Request Back Up Form. I was informed by the teller that my account would be charged {$37.00} for this request. Also, on XX/XX/XXXX XXXX  XXXX Payment submitted an ACH debit request for {$340.00}. 
On XX/XX/XXXX my savings account was debited {$350.00} which included a {$10.00} Overdraft Protection fee. My checking account was also debited for the {$37.00} Non-Sufficient Funds fee. I went to the bank to challenge this mistake and to clarify that I did not have Overdraft Protection and for my funds to be returned to the savings account. The teller presented my Stop Payment receipt to the branch manager who advised that she would resolve the matter and notify me accordingly. Before leaving the bank, I transferred {$100.00} to my checking account from my savings account. 
Later on XX/XX/XXXX I received an email thanking me for enrolling in TCF Banks Overdraft Protection Savings Transfer Service. 
On XX/XX/XXXX I received an email notifying me that the Overdraft Protection Service has been cancelled. 
On XX/XX/XXXX I sent an email to XXXX stating that I did not order Overdraft Protection, that my wife was given the runaround when she contacted customer service through the toll number, and that my funds should be returned to my savings account by XX/XX/2019. 
On XX/XX/XXXX I received Confirmation of Stop Payment Request by email. Also, on XX/XX/XXXX I went into the branch and spoke with the manager who advised me that I could not have my funds that were impermissibly removedreturned because the debit was a legitimate transaction. This made no sense to me and I politely left the bank. 
On XX/XX/XXXX I received and email notifying me that the {$37.00} Non-Sufficient Funds fee was reversed. Later on XX/XX/XXXX, my wife who generally handles the bankingwent to the bank and spoke with the assistant manger and still was not able to resolve the matter of the bank owning up to its mistakes and refunding our money. The assistant manager sent an email to the branch manager that we wanted the matter escalated beyond the branch. To date, we have not heard from TCF and our savings account has not been credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several collections on my account, that I didnt give consent nor did I ever have an original account with. I havent had a credit card in 6 years yet my credit report says different
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX there was a loan opened in my name from Affirm in the amount of {$3000.00}. Upon trying to purchase a car on XX/XX/XXXX I was notified that my credit score was very low. I went to XXXX to see why my credit score was low, that was when I noticed the Affirm account ( among others ) on my report. 
I attempted to reach out to Affirm multiple times to resolve the issue, however I could not gain access to further information about the account because I was unable to answer the security questions or verify my identity. 
Finally I was able to work with someone in Affirm that allowed me access ( despite the security questions ) and was able to submit a fraud dispute. The dispute results were that the loan remained with a balance due. 
From there I submitted a police report, Affidavit, and am working with an Attorney to resolve the issue. 
I request this be removed from my credit report immediately, as the information on file is incorrect and invalid.
Product: Student loan

I made a payment to FedLoans on XX/XX/XXXX in the amount of {$12000.00} which paid off 5 out of the 8 loans I had. The active loans left were transferred over to XXXX. I requested a refund on the voluntary payment I made in XX/XX/XXXX as I qualified for a refund due to covid. I requested the refund from FedLoans on XX/XX/XXXX as I was told by my current servicer ( XXXX ) that since that payment was made prior to my loans being transferred that FedLoan would handle the loan. I confirmed the request was in and received notice dated XX/XX/XXXX that the loan refund was in process and it would take 2 months to receive it ( I have attached the notice for reference ). It got close to the 2 month mark and FedLoan eventually told me there was no loan refund request in their system. I was told I had to speak with my current servicer to get the refund/ I went through a circle the week of XX/XX/XXXX because I kept calling XXXX who told me they couldn't refund it and then call FedLoans for them to say they can request the refund. I ultimately was able to get a refund request put into XXXX. I previously submitted a CFPB complaint about the inaccuracies and discrepancies with refund timelines on XX/XX/XXXX where FedLoan then responded on XX/XX/XXXX ( after I found out that my loan request was nowhere in their system ). They said they transferred my " paid in full '' accounts to XXXX and that they have the refund request I previously made. I spoke with XXXX on XX/XX/XXXX and they only had the request I remade on XX/XX/XXXX in their system. Essentially I waited 2 months assuming FedLoan was processing my refund to only be told that nothing was done and have to start from square one with XXXX. It seems as though both providers can me inaccurate information and it has resulted in a larger delay in receiving my refund. This is unacceptable as now XXXX  refuses to give a timeline on when to expect my refund and some of the representative who had said it will take a minimum of 150 days from the day I requested the refund from them and not when I requested it from FedLoans which I was told would transfer.
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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ALL ACCOUNTS HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15U.S.C. 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

MEDICAL COLLECTIONS ARE ALSO PROHIBITED FROM VIOLATING HIPPA LAWS AND WITH WRITTEN CONSENT CAN NOT FORWARD ANY PERSONAL HEALTH DIAGNOSIS TO ANYONE
Product: Mortgage

I am a rXXXX XXXX XXXX and received a Preapproval letter from XXXX XXXX of Veterans United Home Loans that did not indicate the buyer had to sell/close on another property to qualify for his loan. Our closing was delayed 13 days because of XXXX XXXX 's failure to disclose this information.
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 : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : 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. 
Accounts : XXXX - XXXX XXXX  XXXX, XXXX XXXX  XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Did not do an investigation at all. My social security number was breached. All the negative items need to be removed immediately. How can an account keep reporting charged off for XXXX, XXXX, etc? An account can only be charged off one time. This is clearly a violation.

Consumer Reporting Agencies said they get their bankruptcy from the court. I have proof stating the courts doesn't provide this information so this is fraudulent information.