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 XXXX to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( XXXX ) ) 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. 
XXXX to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( XXXX ) ) 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. 
XXXXXXXX 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. 
XXXX v. XXXX 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 : XXXX a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXX a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXX block or remove all inaccurate information resulting from the identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Paypal put the limitation on my account since XX/XX/2019 and asked me to submit 3 documents they asked from me, and i submitted it to them right away and paypal account was under review since then, then today XX/XX/2019 I received an email regarded my account status and on the email they said after they reviewing my account, they have decided to close it because of security issues, and they need to held my money in there which its {$380.00} for 180 days and after 180 days, paypal will email me information on how to receive my funds, I think it is ok for them to closed on my account due to security reason which they aren't able to provide me an exact reason why they closed my account which they did already but they have no right to held my funds for that long, i just want to get my money back! my paypal account it's link with my name and my email which its XXXX XXXX and my email address its : XXXX XXXX
Product: Debt collection

I notice the company put a derogatory account on my credit report without contacting me properly. I have reason to believe I do not owe this debt because the company was contacted by bankruptcy court as being included in bankruptcy and I also had questions about the account and I filed a identity theft report. The company did not give me the opportunity to address this before putting on my credit report.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is I C SYSTEM INC XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I C SYSTEM INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) I C SYSTEM INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation I C SYSTEM INC- is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.I C SYSTEM INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was notified by TRANSUNION that the FCRA 605B ( 15 U.S.C. 1681c-2 ) blocking of an account that is IDENTITY THEFT was denied. They noted on the report that the account meets FCRA, and the account was not going to be denied.

I have disputed this account several times, all of which has been denied. I have submitted the FTC IDENTITY THEFT report, and filed several CFPB reports, all of which have been ignored and denied. This is in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Each time I file a report with CFPB, Transunion replies they are currently working on the issue and need more time, however they have already marked this account XX/XX/year> as it meets FCRA.
Product: Mortgage

Real Time Resolution documents have multiple non corresponding dates to transaction history record. 
Real Time has not confirmed how lien remains on property with debt appearing to be paid based on transaction history I have requested copies of all draws on account by wire, check, cash advance or by credit card. 
Real Time documents are dated XXXX and signed by XXXX XXXX XXXX when transaction allegedly took place in XXXX or XXXX based on documents provided. By both parties Deceptive, misleading, inaccurate balance to name a few
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Late Payments Due to COVID-19 Pandemic Under the CARES Act Dear Dispute Resolution Team, I am writing to formally request the removal or correction of late payments reported on my credit profile during the COVID-19 pandemic. These late payments are reported in violation of the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act. 
The specific accounts and late payments in question are as follows : XXXX. XXXX XXXX XXXX / XXXX - Late Payment in XX/XX/XXXX and XXXX Closed XXXX XXXX. XXXX XXXX  / XXXX Late Payment in XX/XX/XXXX, XX/XX/XXXX and Closed XX/XX/XXXX XXXX. XXXX XXXX XXXX  / XXXX Late Payment in XX/XX/XXXX and XX/XX/XXXX The CARES Act, enacted on XX/XX/XXXX, includes provisions to protect consumers from negative credit reporting due to financial hardships caused by the pandemic. Specifically, Section 4021 of the CARES Act amends the Fair Credit Reporting Act ( FCRA ) to require that if an account was current and the consumer made an agreement with the lender regarding deferred or modified payments due to the pandemic, the account should be reported as current. 
During the pandemic, I reached out to my creditors and entered into agreements regarding payment deferrals and modifications. Therefore, the late payments reported during this period should not be reflected on my credit report. The continued reporting of these late payments indicates non-compliance with the CARES Act and the FCRA. 
I request that you : 1. Investigate the disputed late payments and promptly delete or correct any information that is inaccurate or not in compliance with the CARES Act.

2. Provide me with a copy of my updated credit report.

3. Cease reporting the erroneous late payments to any third parties until the investigation is complete.

Please consider this letter as formal notice that if these items are not removed from my credit report, I will be forced to take further action to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office.

I appreciate your prompt attention to this urgent matter and expect a response within 30 days of your receipt of this letter, as required by law. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report after reviewing my credit report I was notified my information was exposed in a data breech. I notice there was inaccurate information on my credit report reporting such as collection accounts that I've listed below, names, wrong address, and phone numbers as well as other inaccurate information reporting that I had no knowledge of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Transunion, to reinvestigate these accounts : XXXX : Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.
Product: Checking or savings account

On XX/XX/year> I received a credit card chargeback from bank of america for a transaction from a customer that was definitely an altered receipt. The case got closed for non action but we never received the dispute before. We want to dispute the chargeback especially since it as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted CFPB XXXX XXXX - Results due by XXXX XXXX. 

Ever since I submitted this case, Experian has been actively blocking me from accessing my records, making it an undue burden to view the results of 14 disputes results sets returned. 

In their first line defense, the email me that dispute results are ready, I follow the process to view said results, and they deny me access. They supply a form that I can mail or submit online with supporting documentation to establish my identity, but their second defense is blocking my ability to submit in this manner, despite submitting in a .pdf format and all less than 4mb, a far cry from their limit. 

They then tell me that I must mail a shorter mail form, with additional layers of documentation and that I can not call in, fax, or use the online method, thus rendering my timely review and response impossible since they never mail the results back or reply ( as they have not replied with you ).
Product: Mortgage

In XX/XX/2021, I received a letter from XXXX claiming I didn't pay my property taxes. Since the inception of my mortgage, my property taxes have been paid timely automatically from my Escrow. However, PennyMac failed to pay property taxes causing me to receive an embarrassing rebuke from the County, for which, I entrusted this responsibility to Penny Mac from origination to on-going maintenance of my mortgage. PennyMac claimed there was insufficient money in my escrow once " I " made them aware of this issue, in which is another problem within itself and should open question to Penny Mac 's capabilities and controls for monitoring similar issues with other borrowers. Nevertheles

s, PennyMac presented options in which they could resolve the issue, in short, they submitted a payment to the County AND " elected to '' roll the balance into my ongoing mortgage monthly payments for 3-4 years without my expressive consent. I have issue with PennyMac 's management and oversight of its escrow activities. PennyMac should have had better processes and controls in place to detect and prevent this property tax gap and miss-payment. PennyMac took over this loan through a refinance and should have had processes in place to ensure my property taxes would be paid timely, just as the previous owner of the mortgage.
Product: Mortgage

In XX/XX/XXXX, Quicken Loans , Inc., denied my application to refinance my home mortgage. After I complained about the refinance rejection, on XX/XX/XXXX, my application to refinance was conditionally approved. Later on it was denied again. This occurred despite the fact that my property was appraised at XXXX, and I have {$160000.00} in equity. However, the property appraiser indicated that it was not being used at its highest and best possible use.

My immediate area previously was occupied by single family residences. Nevertheless, in the process of gentrification, the former single family home lots, such as mine, now contain multiple residences. Of course that is a process over which I have no control. Nevertheless, I have been denied mortgage refinancing because of it.

Use of that policy by Quicken Loans , Inc., will have an adverse impact on minorities in this area, since those single resident lot owners who remain in the community after gentrification are more likely to be minorities. In effect, a disproportionate number of us will be more likely to be denied mortgage refinancing on that basis. Quicken Loans, Inc., would not be adversely affected by refinancing my home. Gentrification has caused property values to increase significantly on both single and multiple home lots. Consequently, Quicken Loans, Inc., would not be taking an unreasonable risk by refinancing my mortgage. Its failure to do so amounts to racial discrimination in mortgage refinancing. That should be illegal.
Product: Student loan

I've seen no changes for the accounts that I have filed last month I still can see multiple 120-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit card or prepaid card

On XX/XX/2021 I called Chase Business Card customer service because I was interested in doing a balance transfer from my personal to my business credit card. When I called, I asked if this is something that I would be able to do immediately upon approval and the answer was yes. To double-check, I read the pricing terms and conditions, in there it stated that it could be done based on creditworthiness. 

I was approved for the credit card and wanted to start the balance transfer process. To my surprise, I was told that the balance transfer opinion was no longer available. I found this very shocking as I was just told by someone else that this would be okay. Chase Bank 's reasoning behind this was that I didn't receive a promotion at random to do a balance transfer. I felt completely misled, as I was told something different. From then on, I was told there was nothing that they could do to help me. I went into a branch for assistance and to file a complaint I have not heard back from anyone. 

If I had known that this would happen, I would have never applied for the credit. This was very unfair to be misled, especially since I was told that everything was okay before I submitted my application. I do not want this to happen to anyone
Product: Credit card or prepaid card

I have been a bank of america credit card holder for almost 7 years. In 7 years i have been late for TWO MONTHS, and they were back to back, and they were due to life threatening circumstances, and Bank of America could care less. In XXXX of 2021, i got a life threatening case of the XXXX XXXX virus. It was actually my SECOND time. Recovered thankfully but i was out of work for a month. When i got back to work, my company cut my pay by 20 %. I was unable to pay my Bank of America credit card on time for two months, first time in 7 years and i have been perfect since then. I was unable to pay a lot of things at that point but other companies have worked with me and i have since caught up on everything and everyone is taken care of. Bank of America told me, harshly, in the letter i will attach, pretty much tough XXXX, its my fault and even though we got our money, you will suffer. Well i am suffering. I am trying to purchase a home for me and my wife and my XXXX kids, and these two late payments are crippling my chances. I am begging for mercy. I am asking that bank of america removes these two late payments as mercy. Me and my family would be forever grateful.
Product: Debt collection

I would like to file a complaint against Credit Collections Services. They used a scare tactic to pay a debt and the representative told me that once paid, she would send a letter to the credit bureaus to have removed from reports. It has been over a year and I have yet to hav it removed. I have tried contacting Credit Collection Services numerous times about this and have been told that I was not told by one of their reps that the account would be deleted.I filed a complaint with XXXX 2 weeks ago and they still have not responded to that complaint.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681 Governs Access to Consumer Credit Report Records And Promotes Accuracy, Fairness, And the Privacy Of Personal information Assembled By Credit Reporting Agencies.
Product: Debt collection

Dear XXXX XXXX XXXX ; ONEMAIN FINANCIAL ; I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the validity of this claim, I request the following documentation : 1. Proof of authorization to collect under XXXX U.S.C. XXXX and XXXX. 
2. Legal basis for attempting to collect, including applicable statutes. 
3. Proof of authorization to operate in my state. 
4. Evidence of the alleged debt, including any contract or agreement bearing my signature. 
5. Full account history, including charges, fees, and payments. 
Under FDCPA XXXX  ( b ), you must provide this validation within 30 days. Failure to do so will result in the account being considered invalid. Non-compliance with FDCPA XXXX, XXXX, and XXXX will be construed as unlawful conduct. 
Moreover, under the doctrine of estoppel by silence ( XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. XXXX, XXXX ), as I have not acknowledged any debt, I will presume no debt exists if no evidence is provided within 30 days.
Product: Credit card or prepaid card

This company has allowed a credit card to be opened fraudulently in my name. 
XXXX XXXX I have already provided an identity theft report and I am not recieving any assistance from this company on this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I have never had accounts with this company DEPT ED, REMOVE from all credit reporting agencies that's reporting. 

2. " Consumer '' means any natural person obligated or allegedly obligated to pay any debt. According to 15 U S Code 1692a ( 3 ) 3. This letter is pursuing 15 U S Code 1692c ( C ) Ceasing communication 4. I am the " consumer '' mentioned in 15 U S Code 1692a ( 3 ) You are Dept ED the debt collector 15 U S Code 1692a ( 5 ) I am invoking specified remedies under U S Code 15 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to U S Code 1692 ( c ) ( 1 ) 5. I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

7. 15 U S Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8. As mentioned in 15 U S Code 1692f Unfair practices ( 8 ) 9. While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10. 15 US Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) ( 2 ) ( A ) ( B ) ( 3 )
Product: Debt collection

Repeated threatening calls at all times of the day to include early morning to late night.
Product: Debt collection

This debt buyer as it says on my credit report has not sent me any validation upon request. I do not have any contract with this company. They completely violated my consumer right by not only not sending any notification but refusing to validate after only finding out them from XXXX and XXXX. They again have 7 days to send me full validation including contract with my signature agreeing to do business with this company. If they fail I will turn over complaint to my state attorney general for further investigation or they must delete themselves emediatly from my credit reports within 48 hours. You claimed to have purchased this debt so if anything is owed its the few pennies you spent to buy it. Do not respond oh we need more information, blah blah blah. You obviously have enough to report it, you have enough to validate not just verify. Computer printouts are not except able validation according to the consumer rights agency. Feel free to send me proof that you sent something.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>