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

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion 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. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 Balance : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a charge-off loan account from Speedy Cash appearing on my credit report. I've never had an installment loan account with Speedy cash. Therefore, this account has to be a product of identity theft.
Product: Credit card

The reason why i am disputing this account is because the information that is reporting is a violation of the fair credit reporting act. The information is inaccurate
Product: Debt collection

The company MIDLAND FUNDING, LLC is trying to collect {$6200.00} from me for an account they claim I owe. 

I have sent certified mail via USPS demanding they comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by providing me with competent evidence bearing my signature on it as follows : " I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. '' As of XX/XX/2022, yet again, Midland Funding has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Midland Funding has been made aware that a printout of a bill or itemized document does not constitute verification, per the FTC opinion letter from Attorney XXXX XXXX XXXX. Additionally, I have asked Midland Funding to please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money while unable to provide any viable documentation bearing my signature wherein, I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Mortgage

I refinanced my home in XXXX with an FHA loan so I could do a less than 20 % down payment. Origination date was XXXX with first payment being XXXX. Mortgage holder is Roundpoint Mortgage. I received a notice that my escrow was in arrears in XXXX of XXXX after they did some sort of escrow analysis that I was n't informed of. Long story short, I wasnt paying mortgage insurance nor was I ever informed that I had to until that date. XXXX XXXX I began paying insurance and was n't assessed a penalty because it was their mistake. Fast forward to this month, XXXX of XXXX. I am selling my home with closing taking place next week. When I received my payoff statement there was an additional charge of XXXX dollars on top of the remaining principal. When I contacted Roundpoint they informed me that it would he for the balance of the insurance carried through until the original end of term for the mortgage even though it will be paid off in full next week. I am aware that it is possible to be charged one more month but was never informed until payoff time that I would have to pay insurance for a loan that wo n't exist after next week. Roundpoint can not even give me an answer as to why it 's that much. Even if prorated, MIP is .008 % of the original amount. I may need to delay paying or even cancel the sale due to the unfaithfulness of this institution in reporting their payment practices to me correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report, to my surprise the bureaus are reporting the account # XXXX INACCURATELY. 

This collection account is reporting not only as OPEN but also shows a INCORRECT balance of across the three bureaus. XXXX has correctly deleted the aaccount at my request, Experian and XXXX have not and are reporting inaccurate information. XXXX shows a balance of {$1900.00} and Experian shows {$1900.00}. 

Also, not only are both Experian and XXXX still reporting inaccurate and incorrect information that XXXX has already rightfully removed, but they show inaccurate date of last activity. Experian reports XX/XX/2022, XXXX reports XX/XX/2022. 

Also, Experian and XXXX both inaccurately report the number of closed accounts. They both report one, while XXXX correctly reports XXXX. The number of derogatory accounts id also inconsistent across the three bureaus. XXXX correctly reports XXXX, while Experian and XXXX report one. 

According to the FCRA, I have the right to an accurate credit report. It also states that reporting this harmful inaccurate information can allow me to sue for damages. 

Please Delete this account ( XXXX ) immediately from my credit report. Please provide me with a copy of my new credit report showing this account deleted upon completion, ( Account Name : XXXX XXXX XXXXXXXX XXXX  ) ( Account Number # XXXX ) Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy, completeness, and deletion of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation Sincerely, XXXX XXXX XXXX
Product: Student loan

SO i started with fedloan the consodilation on XX/XX/31 my name is XXXX XXXX i was told i had to pay XXXX for the first 3 months after my first payment i found out the XXXX $ was never even going towards my loan in which i was super upset about because the man XXXX never explained that to me in which i assumed it goes towards my loan because why else would i be ok sending XXXX $ After being upset about that another teller explained that they are better than navient because they dont charge interest for paying back the loan so i should stick with them remind you this is almost verbatim of what he said so i thought well no interest i can spare XXXX $ for that after paying all 3 payments i was told i only dont have to pay interest for the first 3 years in which that completely upset me because it was one of the reasons i didnt go back on the whole process in the beginning. Then afer all this i start seeing interest accumulating on my account now up to XXXX $ when i complained they told me that consolidation is not done yet and that is why i am getting interest so now im completely furious by now since this is far from the deal now the 90 days has been passed and it has now been 101 days and literally daily they are accumulating interest saying it wont stop until its completed. Im upset that i ever even paid XXXX $ for this flock of lies. I honestly am not okay with none of this situation and want to see what someone can do about it
Product: Credit reporting or other personal consumer reports

XXXX XXXX The Bankruptcy Judge, XXXX XXXX, dismissed my bankruptcy.
Product: Debt collection

I have been paying the invoice to XXXX monthly. On XX/XX/2022 I received an updated statement of my account that states the last payment I made was XX/XX/2022. On XX/XX/2022 I received collection notice for the balance. I want this off my credit as I have been making regular payments for this bill and when I went to make my regular payment the system denied me. The system never allowed to set up a payment plan as other medical systems allow.
Product: Credit card

I applied and was awarded a Sears Citi Credit card in XXXX 2013. They approved and awarded me a credit limit of {$6000.00}. I have paid consistently without incident. Now they have dropped my limit to {$4800.00} which has impacted my credit score because I owe {$3800.00}. So instead of being {$820.00} away from be 50 % below the limit the credit limit keeps getting reduced as I pay the credit card down. So my credit score is lower then what it should be due to no fault of my own. Please request that Sears increase the limit back to {$6000.00} as originally agreed. They do not have to permit or allow any future charges, but I want my credit score to increase by having them maintain our original agreement. Thank you for your assistance with this matter.
Product: Credit reporting or other personal consumer reports

ll of the charges that were XXXX days late in XXXX of XXXX were Fraudelent charges. XXXX has acknowledged this and refunded all of the charges. They have not corrected the credit reporting. 

I have disputed this multiple times and it has not been corrected. 

On XX/XX/XXXX, XX/XX/XXXX, a fraudulent XXXX charge was made on my card. Late fees were added while investigation process was ongoing. These late fees turned into late payment reporting. On XX/XX/XXXX, all of the late fees and fraudulent charges were refunded to me because the investigation confirmed it was fraud. 

I was told the credit reporting would be corrected, but it was never fixed and the XXXX days late is still showing on my credit report. 

Please correct this. This false reporting has kept me from obtaining the credit I need, for the last couple of years.
Product: Credit reporting or other personal consumer reports

I was taken aback when I checked my credit report this morning and found inaccurate accounts listed, with no explanation. I check my credit report regularly, so I was completely caught off guard by these discrepancies that appeared out of nowhere. I even refreshed my browser, thinking it might be a glitch, but the accounts remained. This situation is extremely concerning, and I am urgently asking for a thorough review of the documents I've submitted to resolve this issue once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went a car lot and specifically sad Do not shop my Credit and they did anyway.They told me that they contacted all three Bureaus with a letter to confirm they Ran My Credit by mistake. Its still there and Ive sent to them as well Ive attached a copy. 

I have also ask that XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX be removed and XXXX has yet to remove it.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of fraudulent accounts from my credit report due to a recent data breach in which my personal information was compromised. As a victim of identity theft, I am seeking to have these accounts blocked and permanently deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts XXXX. XXXX - XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$840.00} XXXX XXXX XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$2000.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$6200.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$840.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$25000.00} XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$590.00}
Product: Payday loan, title loan, or personal loan

I make payments at the end of the month, they call me several times in the same day, I talk with them every time, they called me 4 times on XX/XX/2020, they were given date, said they are sorry. im working and being harrased
Product: Credit reporting, credit repair services, or other personal consumer reports

There is wrong information in my report : > My present address :  XXXX   XXXX   XXXX   XXXX , MI.  XXXX  : please update   XXXX   XXXX   XXXX    XXXX  #  XXXX  : I have paid off this account, please update balance
Product: Money transfer, virtual currency, or money service

XXXX XXXX I am filling a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

I AM RECIEVING PHONE CALLS AND EMAILS ABOUT ME OWING A DEBT AND WHICH I DISCOVERED THAT IT TO BE A FRAUD EVENT TO GET MONEY FROM MEFROM ME. THEY ARE GETTING MOST OF THIS INFORMATION OFF OF MY CREDIT REPORT BECAUSE THEY KNOW MY BANKING NAME, MY PAST EMPLOYER AND MY SOCIAL SECURITY NUMBER AND I WOULD LIKEFRO ALL THIS TO STOP.
Product: Checking or savings account

I made a large XXXX deposit to my business checking acct. 
It was drawn on an out of state checking acct which had local branches. In the past my bank manager told me to deposit such a check in their ATM so it would clear overnight to which I did. I immediately got a 10 day hold placed on it. 
The person who wrote the check immediately checked his bank 24 hrs later and spoke with his bank and they confirmed the check cleared and Bank of America was in possession of the funds. 
I went into my branch to explain the situation and they were not helpful and tried to tell me they had to hold he money in case it was returned in which that's ridiculous or the money wouldn't have been paid out in the first place. They also told me their policy on check deposits changes aprox 10 days ago and that's why they can do what they did. I asked XXXX the XXXX, Me branch manager as to why their business customers were not notified as to a change in deposit rules and she told me " They don't have too '' which I believe is a violation in banking rules. 
The deposit was made on XX/XX/XXXX and cleared into BOA on XX/XX/XXXX. After my discussions with them they agreed to let me have my deposit on XX/XX/XXXX. 
This has happened before and it isn't right, when I can show the check has cleared they should release it immediately with out a fight over it. Instead they are purposely holding it for interest bearing reasons
Product: Checking or savings account

XXXX : Transferred {$5000.00} via ACh from All in XXXX XXXX XXXX XXXX XXXX  to BMO Alto. 
XXXX : XXXX 'd {$5.00} via ACh from XXXX XXXX BMO Alto. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wired {$210000.00} to BMO Alto, who rejected the Wire, charged me {$31.00} Wire Reject Fee. BMO Alto insisted that XXXX assessed this Fee. XXXX stated that BMO Alto didn't know what they were talking about : BMO Alto removed {$31.00} before returning the remainder of Wire to XXXX. 
-- BMO Alto only later stated they don't accept Wires & apologized that their website doesn't mention this (! ). 
-- BMO Alto has 1/ No Chat communication 2/ No Mobile App 3/ No regular Customer Service via e-mail 4/ Long hold times for phone service. 
-- After BMO Alto fumbled my Wire Transfer, I decided against doing further business w/ BMO Alto and to close my Account instead, as BMO Alto had given many indications in a rapidly short amount of time that they had no idea what they were about. 
XXXX : Requested online ACh Transfer of {$5000.00} from BMO ALTO  XXXX Account to XXXX to consolidated my funds. I had waited until my funds were " available '' for Ach Transfers, as BMO Alto had advised. 
XXXX : BMO Alto froze my Account due to their claim of " fraud. '' BMO Alto LOCKED Access to my own Account. BMO Alto refused my request to close my Account and return my funds. BMO Alto is demanding XXXX Verification of XXXX XXXX XXXX Copy of my Photo ID ( driver 's license ) " or else '' they won't unfreeze my Account. BMO Alto claims that if I don't send these two documents, I must wait 30-days for the Account to be closed and have my funds restored to the rightful Owner, myself. 
-- Is the BMO Alto Rep. I talked to in their Fraud Dept. overseas? She claimed they're " in Florida. '' Impossible to verify their e-mail address for sending a photo ID, which opens me to identity theft risks. 
-- I discussed ACh Transfers earlier w/ BMO Alto. I was given no warning they'd freeze my Account. Only that I had to wait for the Funds to become available, which condition I had met.
Product: Credit reporting

An extended fraud alert was placed on XXXX/XXXX/XXXX with Transunion File # XXXX. I was told it would last 7 yrs : XXXX. Sometime between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, an individual, who has been fraudulently using my Social Security Number for at least 12 years to try to open lines of credit and earn wages, was given access to my credit profile and was able to successfully change or add the name, address and fraud alert contact number to her own, therefore being able to successfully secure at least XXXX lines of credit with a credit card company. This is unacceptable and does not make any sense. I specifically named her as an identity thief with the FTC and Transunion going back to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XXXX/XXXX/XXXX, a Transunion representative says they are " repairing '' my credit profile, but refused to provide me with a copy of the credit file showing how my information had been manipulated so that I could add this info to the policy report and further protect myself. The other credit bureaus ask you to mail in your requests - which is leaving an victim of identity fraud open to more fraud ( mail theft???? ). This is a thoroughly maddening and disappointing process and something needs to be done so that the credit bureaus start adding layers of fraud protection and identity verification. It is harder to change info on my email account than it is to change info related to my SSN. This is unacceptable.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. 
XXXX XXXX {$750.00} XXXX {$2000.00} CREDIT COLL {$120.00} SUNRISECRED {$940.00}