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

To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading information contained in my credit report, as well as to address your companys failure to comply with federal consumer protection laws. This dispute is in direct reference to the recent enforcement action taken by the Consumer Financial Protection Bureau ( CFPB ) against XXXX for engaging in sham investigations and failing to properly address consumer disputes. 
It is unacceptable that XXXX, as one of the largest credit reporting agencies, continues to violate the rights of consumers under federal law. I demand that you immediately investigate and correct the inaccuracies in my credit report and provide a detailed explanation of your findings. Failure to do so will result in further action, including filing a complaint with the CFPB and pursuing legal remedies. 
Below, I cite three key federal laws under **15 U.S.C XXXX ** that XXXX is legally obligated to comply with : 1. **15 U.S.C. 1681c Fair Credit Reporting Act ( FCRA ), Section 605** This section mandates that outdated and inaccurate information must not be included in consumer credit reports. XXXX failure to remove or correct such information violates this provision and harms my creditworthiness. 
2. **15 U.S.C. 1681e Fair Credit Reporting Act ( FCRA ), Section 607** This section requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. XXXX sham investigations and failure to properly address disputes demonstrate a blatant disregard for this legal obligation. 
3. **15 U.S.C. 1681i Fair Credit Reporting Act ( FCRA ), Section 611** This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. XXXX pattern of conducting inadequate or sham investigations, as highlighted by the CFPBs enforcement action, is a clear violation of this law. 
I demand that XXXX : 1. Conduct a thorough and lawful reinvestigation of all disputed items on my credit report.

2. Provide me with written confirmation of the results of the reinvestigation, including any corrections made.

3. Remove any inaccurate, incomplete, or unverifiable information from my credit report.

4. Cease any practices that violate federal consumer protection laws, including sham investigations. 
If XXXX fails to comply with these demands within 30 days of receiving this letter, I will have no choice but to escalate this matter by filing a formal complaint with the CFPB and pursuing legal action under the FCRA. I will also seek damages for any harm caused to my creditworthiness and financial well-being as a result of XXXX negligence and noncompliance. 
This letter serves as formal notice of my dispute and a demand for immediate action. I expect XXXX to uphold its legal obligations and protect my rights as a consumer. 
Sincerely, XXXX XXXX XXXX or XXXX XXXX XX/XX/year> Last four of social XXXX This is identify theft!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I got a loan was suppose to be XXXX for a XXXX durango I gave the dealer XXXX vechicles XXXX grand prix and XXXX ford explorer XXXX down and payments of XXXX they tricked me to get the loan they said they had to raise it to get financed. The engine light was on at the time they fixed the car XXXX times but the light always came right back on the same day. My car has never passed inspection because of this. I spoke to them because i have never driven the car far because of this problem..I have tried everything to get this fixed i have been paying on a note for a car that i can only use in the neighborhood. I went to them today for help again i explained yall ripped me off and i need a car know to get around further. I am willing to compromise but I want to sue they used me and it is ally financial. I received a settlement letter in the mail a week ago about a class action suit. I am not the only one going thru this. Please help me. 

Thank youXXXX XXXX XXXX
Product: Credit card or prepaid card

I called Bank of America to request my bank statement from the date the account was opened till the date it was closed. 

They refused to provide that information. 

I need this information to reconcile the accuracy of what is being reported in my credit report with all the CRAs. 

On XX/XX/2022 I spoke with their staff ( XXXX- by XXXX ) and they will not provide the bank statements. 

Please intervene and make Bank of America provide me with this information. 

Thank you.
Product: Checking or savings account

ACCOUNT # XXXX XXXX XXXX XXXX ( {$890.00} ) IBERIABANK  XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX IBERIABANK CORPORATE SPECIAL ASSETS DEPT XXXX XXXX XXXX XXXX LA XXXX IBERIABANK PHONE # s : XXXX XXXX LOCATION XXXX SPECIAL ASSETS DEPT XXXX SPECIAL ASSETS DEPT XXXX CUSTOMER SERVICE ANOTHER IBERIABANK ADDRESS : XXXX XXXX XXXX, XXXX XXXX AR XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX BRANCH MANAGER , CELL XXXX, XXXX XXXX XXXX ASSISTANT MANAGER, XXXX XXXX XXXX XXXX RELATIONSHIP BANKER, XXXX XXXX COUNTY SHERIFFS OFFICE CASE # XXXX . WEB SITE : XXXX : XXXX REPORT TAKEN BY CSA XXXX XXXX XXXX. 

On XX/XX/XXXX two stolen checks ( # XXXX {$840.00}, # XXXX {$1200.00} ) were deposited at an ATM in XXXX XXXX into my account. The bank has them post dated, # XXXX XX/XX/XXXX and # XXXX XX/XX/XXXX. # XXXX is neither signed, nor endorsed. # XXXX has the same signature on the front and back. The checks were charged back on XX/XX/XXXX and XX/XX/XXXX. During that time, ATM withdrawals were made at 3 locations. 2 of which, are IBERIABANK ATMs ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ). They have the thief ( not me ) on video withdrawing cash. They refuse to acknowledge DEBIT PIN FRAUD and are saying it is my responsibility to keep my PIN safe. They have failed to protect me as their customer, have evidence that I did not take their money, and are not leaving me out to dry. They need to update their ATMs instead of being so greedy and acknowledge DEBIT PIN FRAUD exists for starters. They are wasting tax payer dollars by sending us to file police reports when the evidence is clear and they are responsible due to their lack of technology. 

DATE LOCATION AMOUNT XX/XX/XXXX XXXX XXXX, XXXX XXXX FL {$40.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX FL {$840.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX FL {$1200.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX FL $ XXXX XXXX ) XX/XX/XXXX XXXX XXXX, XXXX XXXX FL $ XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX FL $ ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX, XXXX FL $ XXXX XXXX ) XX/XX/XXXX CHARGEBACK $ ( XXXX ) XX/XX/XXXX CHARGEBACK FEE $ ( XXXX ) XX/XX/XXXX CHARGEBACK $ ( XXXX ) XX/XX/XXXX CHARGEBACK FEE $ ( XXXX ) XX/XX/XXXX BALANCE FEE $ ( XXXX ) XX/XX/XXXX SERVICE CHARGE $ ( XXXX ) XX/XX/XXXX BALANCE FEE $ ( XXXX ) XX/XX/XXXX SERVICE CHARGE $ ( XXXX ) TOTAL $ ( XXXX )
Product: Debt collection

These are medical bill co-pays. On my Credit Report It shows that they have been turned over from XXXX XXXX XXXX XXXX, who owns XXXX XXXX XXXX Clinic where the co-pays were charged. They turned over the debts to Revenue Enterprises of XXXX California. The amount listed on the Credit Report for all copays that I owe is {$440.00}. When I contacted XXXX XXXX XXXX XXXX on XXXX, they said I would have to pay these through Revenue Enterprises Debt Collection Agency. I called them and spoke with on at XXXX who is at extension XXXX. I told them I wanted to pay the outstanding Balance that was listed on the credit report. He checked the account and came back and said I had a total of XXXX accounts with XXXX XXXX for co-pays through XXXX XXXX XXXX Clinic, and had XXXX options to pay the bills off. 1. By paying {$640.00}, I would be paying all of the outstanding accounts, and that these would be " wiped '' off of my Credit Report in about 30 Days after the paperwork goes through. Option 2. Pay an amount of {$540.00}, which would pay off all the accounts, but the accounts would still be listed on my Credit Report. I asked why the other accounts were n't sent to the Credit Bureaus along with the XXXX listed ( see document - revenue enterprises list on my credit report attached ). He said he did n't know why that is must be a paperwork issue. 

I was supposed to call him this morning XXXX -- XXXX at XXXX. CDT and choose which option I wanted. He would not give me a list of the itemized charges of the XXXX collections he had in his office. 

I since learned through the Consumer Financial Protection Bureau that promises of paying an amount to a XXXX party collection agency are not true, and that the collection agency had not authority to have the Credit Bureaus wipe the slate clean. 

I do not trust this person, or the Company. My Goal yesterday was to simply pay delinquencies of these XXXX bills that were sent to the Credit Bureau in the amount of {$440.00}. Then all of a sudden, there are these alleged other XXXX XXXX Hospital Bills that Revenue Enterprises said also needed attention.
Product: Credit reporting or other personal consumer reports

I disputed an incorrect balance on XXXX in XX/XX/2023. I asked the bureau to update the information. The bureau deleted the entire account. I will like my credit card reporting back to the bureau.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 XXXX 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 a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$680.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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: Mortgage

I recently received an unsolicited letter from Quicken Loans notifying me that I was " prequalified '' for a {$99000.00} 15-year loan to refinance my current mortgage ( actually a HELOC ) at a rate of 3.125 %. I called Quicken and asked how it was determined that I was prequalified, and the representative I spoke to said she did not know. When I gave her preliminary financial information, she said I was not eligible for that " product '' but was a good candidate for a 30-year loan at a rate over 4 %. I agreed to apply and authorized a {$100.00} charge on my credit card for a deposit on an appraisal. As I hacked my way through the insanely detailed application process, Quicken updated me, demanding ever-increasing documentation and telling me that I would have to close out my credit card accounts in order to bring my debt-to-income ratio to acceptable levels. Declining to cancel my XXXX credit cards, on XXXX XXXX I withdrew the mortgage application. When a local appraiser engaged by Quicken called me to schedule an appraisal, I informed him that I had withdrawn the application. However, Quicken charged my credit card {$390.00} for the appraisal. A " customer relations '' person at Quicken told me, after I withdrew the application, that he would look into the appraisal charge. But I have not received a credit. It seems that, after doing a bait-and-switch marketing ploy, QL hounds people to apply for loans on less generous terms. It does not inform applicants that they must close out current debts to meet XXXX and XXXX standards, since that would defeat the whole purpose of refinancing. ( This may be beside the point, but my credit card debt is not large or suspicious. XXXX of the cards is at zero percent interest, so I have no incentive to pay it off ; the other I pay in full every month, as I have for 20 years. My quarrel here is probably not with Quicken but with XXXX and XXXX. ) Most important -- and this is a separate problem that 's flat-out illegal -- QL levies unauthorized charges for appraisals not performed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Credit Card XX/XX/year> - I did not approve this inquiry. I never recieved the card. 

Barclays Bank XX/XX/year> - I did not approve this inquiry and the XXXX sales person submitted it without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. Please resolve this issue ASAP
Product: Checking or savings account

There were unauthorized transactions on my account and I reported them promptly and had my ATM card cancelled and ordered a new one. Regions bank denied me of receiving a credit back toy account for the money that was stolen. I made a police report. I tried to help as much as I could only to find out they gave me the wrong fax number. And closed my claim without returning my money which is clearly taken by fraud. I made my initial report on XX/XX/2022. They still are not trying to communicate with me at all.
Product: Debt collection

I have received calls to collect money owed for a XXXX XXXX. Last year it was a company I cant recall the name but did tell them they had the wrong phone number and they stopped calling. Most recent today I received a call from company Berlin-Wheeler , Inc. attempting to collect debt from XXXX XXXX XXXX I told them they have the wrong number and Im registered with the do not call registry. The agent informed me that XXXX XXXX is obviously continually assuming my telephone number.
Product: Credit card or prepaid card

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2018 with a balance of {$6000.00}.
Product: Credit reporting or other personal consumer reports

I am currently facing challenges in disputing several accounts that have inaccurately appeared on my credit report, negatively impacting my credit score. Specifically, accounts attributed to entities like XXXX and others do not belong to me and are erroneous. These inaccuracies are significantly affecting my financial standing. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. These information are inaccurate and do NOT belong to me. Account : XXXX XXXX  Number : XXXX
Product: Student loan

My XXXX loans are with navient. For the last 10 years they have never told me anything about school loans and how to pay them back. when they called they would say you owe us XXXX today. How do you want to pay that. can you pay that and I did not have that kind of money and I was very afraid. they would say each time well lets do forbearance and your payments will be caught up until next year. It sounded like a good plan but I was so afraid, and had no idea I would be over XXXX in debt. I paid off my first college loan in full. I received a notice from them that XXXX of my loans had been turned over to collections where they are garnishing my check for XXXX a month. I did not even know about this loan as it was over 10 years old and I called and explained to them it was not mine. I knew nothing of any programs that was offered me to repay my loans or any income based loans. Now they are threatening to take my social security. there have been times where I felt death is my only way out and could not imagine how the government had put me in this situation. they called me and threatened me, laughed at me, hang up on me several times. I am afraid and I have not been explained any way to repay my loan from Navient. They are taking my tax refund, my social security and my part time job and I never knew any way or any other options I had to repay my school loan. The loan that was over 10 years old was sent to XXXX XXXX and I never even knew about the loan or was it explained to me anything options I had. I was never offered any income based program, repayment options or anything they only offered me forbearance or postpone my payments. Please help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a negative mark on my credit on a tax value bill on a car that was payed off in XXXX of 2020. After contacting them they stated that attempts through call and mail were made. I never received a voicemail notifying me of a call back. Mail has been extremely delayed for me due to the pandemic and notice of the balance was received after the negative mark was placed on my account. Sad part is I bought another car for them. This has been the worst communication a lender has showen. Ive never missed a payment on any of my account. When trying to come to a solution, they just didnt care.
Product: Debt collection

Google has made it impossible to dispute a debt by setting up policies that make it impossible to dispute a debt. There are no live agents and it is impossible to cancel a transaction once it has been made. To assure this Google does not accept gift cards forcing the transaction to continue endlessly, with no hope of this debt being canceled.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my XXXX bureaus consumer report and there are inaccurate accounts, and DUPLICATE... 

XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

Midland Credit Management is violating federal law by reporting inaccurate and unverifiable information across the credit reporting agencies. 

Inconsistent Date of First Delinquency ( DOFD ) Across Bureaus XXXX, XXXX, and XXXX each list different DOFDs, which is a direct violation of FCRA 623 ( a ) ( 5 ), requiring furnishers to report the correct and consistent DOFD. 
A mismatched DOFD affects the account 's deletion timeline, making this a willful misrepresentation under the law. 
Conflicting Late Payment History Midland Credit Management is reporting different late payment statuses on each credit report, violating FCRA XXXX ( b ), which mandates maximum accuracy. 
XXXX shows different late payments than XXXX and XXXX, meaning Midland failed to report accurately.

Failure to Provide M
ethod of Verification ( MOV ) After Being Disputed Under FCRA 611 ( a ) ( 7 ), if an account is verified, the consumer has a right to know how it was verified.

Midland Credit Management failed to provide a method of verification ( MOV ) or substantive proof of the investigation process.

Simply stating the account is verified is not enough under federal law.

Illegally Updating and Verifying as Accurate Without Validation After a dispute in XX/XX/year>, Midland and the CRAs illegally updated and verified the account without correcting the inaccurate data. 
FCRA 611 ( a ) ( 5 ) states that unverifiable or inaccurate information must be deleted, not updated.

FDCPA 809 ( b ) requires a debt collector to provide proper validation, but Midland failed to do so.

Failure to Validate the Debt Properly Under FDCPA Midland did not provide a full itemization of charges, payments, and balances. 
FDCPA 809 ( b ) requires collectors to provide clear validation if the debt is disputed. 
They failed to prove they have the legal authority to collect the debt
Product: Credit reporting or other personal consumer reports

Experian credit card servicing has violated the Consumer Legal Remedies Act, the False Advertising Law, Business & Professions Code 17500, and the Unfair Competition Law, Business & Professions Code 17200. Payment was made XX/XX/XXXX XXXX but failed to report account as paid but instead marked me late. Additionally, I have the right to privacy according to 15 U.S.C 1681 section 602 A. Moreover, 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Also, 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have tried to dispute this account with Experian over 20 times and they have yet to change the late mark for XX/XX/XXXX on my credit reporting. Remove any late or negative remarks for account. As you can see by the impeccable payment history there is in deed a mistake made by credit servicing team and failed to provide accurate reporting data after 20 times trying to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company did not receive my written instructions to furnish the following accounts on my consumer report. They are violating the Fair Credit Reporting Act by furnishing information on my consumer report without permissible purpose. This company is an elaborate mechanism which has a need to insure they're exercising their grave responsibility with fairness to the consumer. I have not been treated with equity/fairness. These accounts must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Attempted to contact CapitalOne twice once with an agent and again with a supervisor on XXXX XXXX,2017 ... I paid my account in full XX/XX/2017 {$2200.00} ... which in turn I received an interest charge for {$31.00} I contacted and asked if they could waive as a courtesy as this is my ONLY balance and I have paid them more than enough interest including a late fee and both times both parties said no for {$31.00} ... I have been a customer with them for years and a no!? I am asking for your help to have any fees waived including a late fee if they charge a late fee on top of this interest charge