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

To Whom It May Concern : Despite the precise information consumers have provided, I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data file reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX - Account XXXX XXXX - Account XXXX XXXX XXXX XXXX  - Account XXXX XXXXXXXX XXXX  XXXX - Account XXXX XXXX XXXX - Account XXXX
Product: Credit card or prepaid card

Billing dispute confirmation number : XXXX, amount {$12.00}, XXXX, filed XX/XX/18, per e-mail from Capital One, a temporary account credit in the above amount will post within ten days. Ten days has now passed and temporary credit has not posted.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Delinquency Reporting Alphaeon To Whom It May Concern, I am filing a formal complaint against Comenity Bank regarding the inaccurate reporting of my Alphaeon account on my credit report. Despite my attempts to resolve this issue directly with the credit reporting agencies, this incorrect information continues to harm my credit standing. 
Complaint Details : Creditor : Comenity Bank XXXX Account Number : XXXX Issue : Incorrect delinquency reporting Credit Bureaus Affected : XXXX, XXXX, XXXX XXXX of the Dispute : Comenity Bank has erroneously reported this account as delinquent. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of credit information are required to ensure accuracy when reporting consumer data. However, Comenity Bank has failed to meet this standard, leading to unjust harm to my credit profile.

Additionally, under 15 U.S.C. 1681s-2 ( b ), once a consumer disputes an item, the furnisher must conduct a reasonable investigation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ) establishes that a mere verification of the debt is insufficient ; a deeper, independent investigation is required. 
I formally requested that Comenity Bank verify or correct the delinquency, but no satisfactory resolution has been provided. As a result, I am escalating this complaint to the CFPB for further investigation. 
Requested Resolution : I request that Comenity Bank : 1. Conduct a full reinvestigation of my account status.

2. Provide documentation verifying the accuracy of the reported delinquency.

3. Remove or correct the delinquency if it can not be verified.

4. Update all three major credit bureaus with the correct information. 
This error has negatively impacted my creditworthiness, and I seek a prompt resolution to avoid further damage. I urge the CFPB to take action to ensure Comenity Bank complies with federal consumer protection laws. 
I have attached supporting documents, including copies of my credit report, identification, and previous correspondence, to assist in your investigation. 
Thank you for your time and assistance in resolving this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Debt collection

In recent months, I have requested true and accurate information about all of my accounts from NAVY CREDIT UNION CREDIT. The company has refused to provide me with all of my tax information on file, as well as true and accurate information concerning my account. They are dishonorable and have allowed fraudulent activities to occur on all of my accounts, as well as refusing to allow me to view my true accounting and records. On their online portal, XXXX XXXX XXXX account was added to the list of non-NAVY FEDERAL CREDIT UNION bank accounts. There is a restriction on my access to this account. I have not opened this account, nor have I authorized Navy Credit Union Credit or its associates to open or add this account on my behalf. It is my understanding that they have accepted lawful payment for my credit card account. However, they refuse to update my accounts to paid or provide me with receipts pertaining to any financial credit transaction associated with any of my accounts. By reporting publicly fraudulent information on my credit report, they have ruined my payment history. I have suffered hardship as a result of this and my reputation as a trustworthy customer has been damaged. Their conduct is dishonorable. Specifically, I would like NAVY FEDERAL CREDIT UNION / Associates to provide me with all financial credit transactions pertaining to ALL accounts under my name, as well as Tax forms 1099-A, 1099-C, 1096, and 1099 OID as part of my investigation. ( NAVY FEDERAL CREDIT UNION/ Associates are dishonorable and must fix all credit errors promptly and update the account status to true financial credit transactions. )
Product: Credit reporting or other personal consumer reports

I am writing this letter because I notice there have been several fraudulent inquiries added to my consumer report. Which I did not request to any company. I am not liable for them and ask for them to be deleted. 
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: Mortgage

My loan is currently serviced by XXXX XXXX. On or about XX/XX/XXXX, Rushmore received {$100000.00} from Keep Your Home California. The proceeded to misapply the funds, which has trapped me back into foreclosure. There is a foreclosure sale date set for XX/XX/XXXX. Listed below are my primary concerns. 

1. The statement on XX/XX/XXXX shows a suspense balance of - {$53000.00}. I am assuming this is the surplus money from the XXXX payment from Keep Your Home California aka KYHC. Why did KYHC issue a check for such a large amount when account was around 48K past due? Did Rushmore make that demand? If so, that constitutes fraud on their part. KYHC is due to run dry of funds before the end of this yeartwo years before the designated end date of XX/XX/XXXX. The fraud links directly to a government entity, which means that False Claims Act Qui Tam applies. I SIGNED A DEED OF TRUST FOR XXXX, SO ULTIMATELY I WAS RIPPED OFF BY RUSHMORE.AGAIN! 

2. Why is there a deferred principal balance of {$87000.00} listed on the payoff? 


3. KYHC was applied a large part of the XXXX towards principal. KYHC is a program designed to assist unemployed home owners catch up and make regular monthly mortgage payments.not pay down principal.again The False Claims Act applies. 

4. The loan never should have never been modified on XX/XX/XXXX,  since it was current from the funds KYHC paid.THIS MAKES ABSOLUTELY NO SENSE! The only reason is was modified, was so that Rushmore could hide the excess money paid and reset the clock. They did not want the dirty accounting from the original loan lingering around.especially if they tried to sell the loan via portfolio to a new investor on XXXX XXXX. 

5. The corporate advance fees listed below have extensive foreclosure fees, attorney fees and litigation fees that need to be accounted for. They need to show invoices from the alleged law firms that were paid.which they likely will not have. 

Breakdown of the corporate advance balances paid : {$200.00} FPIR ( FC PROP INPSPEC ) {$3300.00} FCST ( FORECLOSURE COSTS ) {$2600.00} FFEE ( FORECLOSURE FEES ) {$14000.00} LFEE ( LITIGATION FEES ) {$47.00} BCTC ( BK COURT COSTS ) {$36.00} BCST ( BK COSTS ) {$800.00} BATT ( BK ATTNY FEES )
Product: Credit reporting, credit repair services, or other personal consumer reports

To who this may concern, I am writing to express my concerns with the conduct of XXXX, Equifax, and XXXX. In XX/XX/2021, I noticed that some unauthorized information was being furnished on my consumer report without my permission and equally as importantly without my knowledge. After studying federal consumer rights and the many laws that govern them extensively, I became aware of the blatant violations of my consumer rights. Shortly after the discovery of the violations, I sent a number of dispute letters requesting or even demanding that the above credit reporting agencies, removed this information because it was affecting my ability to obtain various means of credit that I know undoubtedly could improve my family 's livelihood and financial stability. Each time they would state that information was already investigated and they didn't have to repeat an investigation or that it was just verified. But never offering any verifiable proof that this actual transaction or encounter took place. My question is who gave these Credit Reporting Agencies the authority to determine independently that the word of a third party was more important than the actual consumers. By law, consumer reporting agencies are supposed to investigate all information prior to even furnishing any of it on the consumer 's report. Pursuant to 15 USC 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, the consumer never gave them any instructions to do any such thing. One of the most recent documents I sent to each of the credit reporting agencies was a notarized Affidavit of Truth. In which I demanded they have a Senior Executive Representative create an Affidavit and address it to me, where it states I granted them permission to furnish my report ( see attached ). They sent me a generic response which is not an acceptable response ( attached ). An Affidavit has to be rebutted by an Affidavit " line by line ''. They failed to do so to that. I can't stress enough how unfair this is to me as the consumer. I am highly disappointed but not surprised. They are clearly undermining me as the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date of birth:03/29/1992 Address : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Telephone number : XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX disputed information : credit card Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 3 Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission.

Dispute 4 Account Number : XXXX Account Name : XXXX XXXX  Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission.

Dispute 5 Account Number : XXXX Account Name : XXXX XXXX  XXXX of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 6 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX of disputed information : collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Thank you. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was repossessed on XX/XX/19. When I purchased the vehicle the air- conditioning system did not work. The salesman assured me that the problem would be corrected. It never was, the salesman quit the job and the dealership went into new management. The new owners would not work with me on any level.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had identity theft. I didn't find out until I was trying to get my stimulus check. That someone claimed me as a dependent and has a house and car in my name I don't have a Ginny account. I don't have a XXXX XXXX acct. Nor have I ever received any loans or credit cards.
Product: Credit card

Synchrony Bank who manages and services the store credit card for JCPenney has sent me a change of terms in fees which will go into effect on XX/XX/year>. The increase to interest charges or late fees seems excessive but at least they are easily understood. The concern I have is the fee that they want to add for the purpose of generating a billing statement. Synchrony/JCPenney are threatening to add a fee of {$1.00} per month anytime there is a balance on the account. This fee seems to me to be abusive. How am I supposed to pay for the charges if I do not receive a basic billing statement from the creditor? Not everybody is connected to the internet 24 hours a day keeping an eye on their JCPenney balance. A billing statement s has always a been a basic responsibility for any creditor and part of their cost of doing business. The billing statement typically serves as a reminder to me and many other customers that a debt is due. This seems very abusive, and the fee is for what??? The cost of the mailing stamp? The cost of the paper to print it on?
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is 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 XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they 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 or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Escalation of Unresolved FCRA Violations by Experian - Third Notice I am filing this third complaint against Experian for their continued willful non-compliance with the Fair Credit Reporting Act ( FCRA ). This complaint follows two previous unresolved complaints : 1. Initial CFPB complaint # XXXX submitted on XX/XX/2024 2. Second CFPB complaint # XXXX submitted on XX/XX/2024 Nature of Complaint : Experian has demonstrated a pattern of non-compliance with FCRA requirements by : 1. Failing to respond within the mandatory 4-business-day timeline to block disputed items as required by FCRA 605B ( 15 U.S.C. 1681c-2 ) 2. Ignoring multiple FTC Identity Theft Reports ( Numbers XXXX, XXXX, XXXX, XXXX ) 3. Failing to conduct the required reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ) 4. Not providing the legally required description of their verification procedures under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) 5. Maintaining disputed information without proper verification, in violation of FCRA 611 ( a ) ( 5 ) ( A ) Timeline of Non-Compliance : XX/XX/2024 : Initial CFPB complaint filed ( Complaint # XXXX ) XXXX XXXX : Second CFPB complaint filed ( Complaint # XXXX ) XX/XX/2024 : No action taken by XXXX after XXXX XXXXays This pattern of non-response and non-compliance suggests willful violation of FCRA requirements. Under FCRA 616 ( 15 U.S.C. 1681n ), willful non-compliance subjects Experian to : Actual damages sustained by the consumer Statutory damages of {$100.00} to {$1000.00} Punitive damages as determined by the court Costs of the action and reasonable attorney 's fees Requested Resolution : I demand immediate action from Experian to : 1. Immediately block all disputed items referenced in my previous complaints 2. Provide written documentation of : o The specific method of verification used for each disputed item o Names and addresses of all information furnishers contacted o Explanation for their failure to respond within statutory deadlines 3. Remove all unverified items from my credit report 4. Provide compensation for any credit denials or adverse actions taken due to their non-compliance I request that the CFPB : 1. Investigate Experian 's pattern of non-compliance 2. Enforce the statutory deadlines and requirements under FCRA 3. Consider this repeated non-compliance when evaluating penalties 4. Ensure Experian provides written confirmation of all actions taken within four days Previous Reference Numbers : CFPB Complaint # XXXX CFPB Complaint # XXXX FTC Identity Theft Report # XXXX FTC Identity Theft Report # XXXX FTC Identity Theft Report # XXXX FTC Identity Theft Report # XXXX I authorize the CFPB to share the details of this complaint with other government agencies if necessary for resolution or enforcement purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am banking with XXXX XXXX XXXX, this Credit Union merge with XXXX who I did my refinance with back in XXXX. I have never had any issues from my loan due to it came from my checking monthly for the due date. Back in XX/XX/XXXX I had a payment that did not come out due to myself having a family emergency with my father having a XXXX, made my payment on the XXXX of XXXX and did not realize I had left XXXX cent not paid. I never received any info by mail about the XXXX left over. In XXXX I called about why I was seeing a late fee after my payment was made from my checking, no-one could tell me what was going on, asked for a call back from a manger, never heard back. Forward to current I received a call in XX/XX/XXXX advising I was delinquent. I asked how? I also could not understand when my payments have been going down each month. It took me XXXX calls in to speak to a young man who advise me that in XXXX I did not fulfill my obligations to my loan, I then was online going through my transactions and seen it was XXXX cent that was not paid, Rep refuse to remove. I asked for leadership to call received a call later that day with a manager that did not look into anything and had no info and advise me she would look into how the notifications are sent. I advise her I did not receive any notifications at all said she will call. 
me back, yet to hear back from leadership. As of today, XX/XX/XXXX just received a notice that it is delinquent with all the late fee 's but nothing where the late fees came from. This has affected my credit by XXXX XXXX XXXX reporting. This has yet to be resolved. I have never been late with my payments and for this XXXX cent issue to not be resolved and having it affect me is mentally and stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act my rights have been violated. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I have late payments listed on my credit report from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXXl XXXX.