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

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus XXXX not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages.

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX
Product: Mortgage

After Hurricane XXXX XXXX ( servicing for VA in PR ) offered the Disaster Relief for the months of XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX. They didnt tell me that I had accruing interest on my loan since the past VA ( servicing ) XXXX Mortgage. At the time of the Disaster Relief option they did not tell any rulings of repayment. I keep calling and follow up the situation and without notification they affect my credit score and put my loan indiscriminate on default. 
I call and I talk to a BPPR representative to do pay by phone payments since XX/XX/XXXX thru XX/XX/XXXX but they never said that they received any keep a portion unapply to my loan. 
The numbers cause that supposly I have {$13000.00} in default even that I pay my monthly mortgage payment of $! XXXX. 
BPPR as servicer for you as qualified mortgage in VA are not in compliance with the CFPB mortgage rules. 
I need your help because as a retired VA I deserved my rights protected and stop living with all this anxiety not only for the financial issues and family inestability cause for this situation.
Product: Money transfer, virtual currency, or money service

PayPal still violation FTC rules They think theyre above the laws in America
Product: Credit reporting or other personal consumer reports

Account Number XXXX : XXXX Identification No : XXXX Account Number XXXX : XXXX Loan Amount : {$87000.00} XXXX ( Missouri XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX It has come to my attention that negative items are being reported on my credit to XXXX, XXXX, Equifax, and XXXX XXXX without my consent. 

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. 

I kindly request that all reporting violations be ceased immediately and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

A incorrect error was placed on my XXXX, Equifax, and XXXX credit report that is saying I owe the XXXX company called XXXX as back in 2015, A title loan from wheels XXXX XXXX, XXXX XXXX XXXX as saying I owe {$22000.00} which they fraudulently and vindictively lied about the actuall amount. I had filed a validated but was told the amount borrowed by XXXX was actually {$2900.00}. XXXX was sent a few years ago a Validation of Debt via Certified mail which they ignored and never responded to my request. They were sued already by the State of CA California Financial Code XXXX. Loan was had illegally accessed my DMV information without permission that they had no authroization to do. XXXX fails to respond to my dispute letters and to correct information as they credit bureaus such as XXXX, Equifax, a nd XXXX said they dont have to investigate or show proof of the false information that is being given by this fraudulent and deceptive company named XXXX XXXX This company knows that their information is inaccurate and I've received a letter a few months ago that it will be removed from my credit reports and it still is showing this false information. The bureaus were told to investigate per FTC and they said they don't have to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked XXXX and XXXX to make sure everything was reporting compliantly because I seen that things were not the same across all 3 and I also seen something in collections that I never got notification about from credence. Also I never received responses with updated credit reports
Product: Credit reporting

I am XXXX and I opened an a prepaid internet hotspot account with XXXX as evidenced by the attachments. I did not voluntarily apply for credit. I specifically requested a prepaid account with no credit check. The first bill, attached, shows that XXXX requires payment in advance as I requested. This first prepaid bill was paid as evidenced by the payment receipt that is also attached hereto. However, XXXX did not supply the agreed upon XXXX of high speed internet service that I paid for as agreed. Instead, XXXX failed to suspend or " cut-off '' the high speed internet service once the XXXX allotment was consumed as its sales representative told me would happen. I was wearing a replica hat for the XXXX XXXX ship my brother served in, the XXXX XXXX XXXX and a gentleman in the store questioned me about whether I had served on that ship. Therefore, the second bill was for over {$500.00}. XXXX then terminated the internet account and I was not able to connect to the internet. However, XXXX continued to add the {$80.00} agreed upon monthly charges to my account until it reached over {$700.00}. Finally, XXXX hired a debt collection firm to collect this debt and report this debt to the credit bureaus. As a result, my credit score has decreased significantly and such derogatory item in my credit reports caused XXXX XXXX Bank to not pre-qualify me for a veteran 's VA Guaranteed Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the information XXXX reported on XX/XX/XXXX to the credit bureaus ( XXXX, Experian XXXX XXXX ) which still appear on my credit report, even after XXXX re-investigation about the dispute of late payments XXXX reported. XXXX XXXX then proceeded to change the entire account from included in bankruptcy XXXX XXXX on XX/XX/XXXX discharged on XX/XX/XXXX which is factual to C/O XX/XX/XXXX and included from XX/XX/XXXX thru XX/XX/XXXX in my payment history C/O repeatedly which is false. This loan was discharged back on XX/XX/XXXX I have ask over the last 3 years for XXXX o fix this issue and please provide me with any documents that XXXX obtain and its origin to process such information that over turned my XXXXWFS is aware this loan had being included in XXXX WFS had it listed on my credit report as so then on XX/XX/XXXX they updated the acct to CHARGED OFF C/O ACCT withe {$10000.00} in BAD debt after serval times over the years disputing late payment reported on my acct after XXXX that should have been there also has acct listed as individual when in fact it was a joint loan ... my main concern is how did XXXX was able to give a debt after the federal courts release me from debt how/when did they get this XXXX over turned.
Product: Debt collection

This company XXXX XXXX XXXX has failed to remove inaccurate information being report from my credit report stating XXXX is not owed its being reported inaccurately on my equifax and XXXX  account. Inaccurate information by law should be removed immediately. I gave send them proof of this on XX/XX/XXXX XXXX its still remaining on credit report and needs to be recalled. I have disputed this information. With credit bureau and with the company inaccuracy information should not be on my credit report
Product: Money transfer, virtual currency, or money service

I have tried to get into Coinbase repeatedly to access funds. I have verified my drivers license social and virtual face identification to confirm my identity which I have passed. There is no one to speak to at Coinbase. I have done this process multiple times to change my phone number for 2FA identification. I have now suffered a significant loss and still cant access my account and funds. Im very frustrated I keep doing what they request and I cant get into my account.

I have done everything they have asked and there is no one to physically to talk too. Virtual Agents havent fixed the inside either. 

I greatly appreciate anything you can do to help me with this issue. I was told this issue has happened more than once with people with Coinbase.
Product: Student loan

My student loans were transferred to MOHELA this year. 

I submitted an application for an XXXX XXXX XXXX plan on XX/XX/2023. 

MOHELA failed to process my application ( it's listed as pending as of XX/XX/2023 ). 

I have received multiple, conflicting bills and information. A few days ago I received a letter from MOHELA stating they put my account into forbearance. No explanation was included. I did not request such an action. 

MOHELA seems incapable of providing me with the most basic information, such as a monthly payment amount, due date, and status of my XXXX application. MOHELA has effectively sabotaged our household financial plan.
Product: Credit card or prepaid card

Its been longer than 7years since this credit card been in collections. I want this account deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditors or collectors are not allowed to report inaccurate information to your credit reports, and under the Fair Credit Reporting Act, you have a right to have it removed. To do so, you can start a dispute with each one of the credit bureaus, XXXX, XXXX, and TransUnion. After briefly going over my consumer report I found that the listed is reporting inaccurate information to the credit bureaus which is severely impacting my credit score. The furnisher also called multiple times and harassed me even after letting the services know I am XXXX and need assistance and a payment plan I was told no and there was nothing they could do. From the store, the clerk told me XXXX amount, and then after reviewing the paperwork the company is charging almost XXXX x times the amount I was told. Under these false pretenses, I am upset with the way this was handled. Under the law, the creditor can not or shouldn't do the following ..Calls before XXXX XXXX XXXX XXXX XXXX XXXX. unless the collector knows such times are more convenient for the debtor " Unfair or unconscionable means to collect or attempt to collect a debt '' .Any conduct to harass, oppress, or abuse.
Product: Credit reporting or other personal consumer reports

Complaint : I am filing this complaint against Experian, XXXX, and XXXX for failing to properly investigate my disputes regarding inaccurate information on my credit reports. Despite providing substantial evidence that the data being reported for the same account is inconsistent among the three credit bureaus, the inaccuracies persist. 

Details of the Complaint : Dispute Investigation Failure : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation of any disputes made by consumers regarding the accuracy of information on their credit reports. Despite submitting disputes to Experian, XXXX, and XXXX, these agencies have failed to properly investigate and correct the inaccuracies reported. 

Inconsistent Reporting : I have attached documents that clearly show discrepancies in the reporting of the same account among the three credit bureaus. These documents prove that the account is being inaccurately reported, yet no corrective action has been taken by the credit reporting agencies. 

Violations : 15 U.S.C. 1681i ( a ) - Failure to Conduct a Reasonable Investigation : By not properly investigating my disputes, Experian, XXXX, and XXXX have violated their obligations under the FCRA. A reasonable investigation should have revealed the discrepancies and led to the correction of the inaccurate information. 

15 U.S.C. 1681e ( b ) - Failure to Maintain Accurate Records : The credit bureaus are also required under the FCRA to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The discrepancies in the reporting of the same account indicate a failure to maintain accurate records. 

Attachments : Document XXXX, and XXXX : Comparison of account information as reported by Experian, XXXX, and XXXX, highlighting the inconsistencies. 
Document XXXX : Correspondence and evidence submitted during the dispute process to each of the credit bureaus. 
Document XXXX : Responses ( or lack thereof ) from Experian, XXXX, and XXXX to my disputes.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX  XXXX. XXXX Balance : {$96.00} XXXX XXXX  XXXX Balance : {$2.00}, XXXX XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX  XX/XX/2024 XXXX  XX/XX/2024 XXXX XX/XX/2024
Product: Checking or savings account

i was victim of an account takeover due to a phishing targeting my online banking username. 

the scammer sent some bill pay checks and TDBank didnt asked for extended verification like an XXXX, ID check, etc. 

the scammer stoled me around {$50.00} usd. 

i contacted tdbank around XX/XX/XXXX to report the fraud, they opened a case, on XX/XX/XXXX traveled to XXXX and continue it in a branch store, they said they were still investigating. 

until today there is no update and my money is gone. i think bank wont do anything and was just lying to me. i filed claim on time, then followed it for almost 2 years. 

IMPORTANT NOTE : They changed my checking account in order to secure it, so NOW i have a different account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was provided with a letter stating my loans are paid in full. After months of monitoring my credit report, Fedloan servicing has continuously updated my account after every dispute as if it is in good standing when in all actuality it is paid in full. The current status is Open/Never late. Deferred, payments begin XX/XX/2022 but this is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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: Debt collection

I received a Notice from the court that I was being sued for a Capital One unpaid debt in the amount of {$16000.00}. I was XXXX in XXXX and could no longer make monthly payments on this account. According to my 3 credit reports, Capital One states that I have been making payments on this account up to XXXX, this is false. I have not had contact with this company since XXXX and they closed this account in XXXX. The Statue of Limitations on Debt in Texas is 4 years, so, time on this debt ran out in XXXX. This debt should have been removed from my credit report in XXXX. I sent a letter of dispute to all 3 credit bureaus and both XXXX and XXXX  still have the payment dates listed as me making payments in XXXX!  I think Capital One has given them false information in order to file a suite against me. I want to see proof that payments were made by me in XXXX, such as the cancelled checks. They do not have this proof, since I have not made payments on this account since XXXX or had contact with Capital One since then. I also want this debt removed from my account at the above mentioned credit bureaus.
Product: Credit reporting or other personal consumer reports

The accounts that report on my credit report as Dept OF ED / XXXX account number XXXX- all report the the date of initial delinquency was in the year XXXX. This information has passed the XXXX  year mark for reporting and needs to be deleted immediately as it has aged out of the statue of limitations for reporting.
Product: Checking or savings account

Update to the following complaint. In short, Suntrust did not return all of our money. they still have {$15.00} of our money ( joint account with my daughter XXXX ). She deserves all of her money from fiasco Suntrust created with their EFT from XXXX XXXX. Because of EFTs between XXXX XXXX and Suntrust ( XXXX 's account ) Suntrust took our money and access to our accounts for 21 days. Eventually they gave our money back, except {$15.00} of XXXX 's account. Please return it to her/me. 

I have 4 accounts at Suntrust 1. my checking account 2. my savings account 3. a joint account with my daughter XXXX 4. a joint account with my son XXXX. 
Late last month on about XXXX, XXXX 's account got a deposit of XXXX dollars. XXXX knew nothing about where it came from so I called Suntrust. I let them know this doesn't look right. Concerned about it, I asked the Suntrust rep to transfer her balance of XXXX dollars to my savings account. That is the last access we have had to all of our accounts. On the following Monday all of my accounts are closed. Suntrust will not give me my money. They put the accounts in hold/closed status and refused to give me my money.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a collection account labeled " XXXX  XXXX XXXX  that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently submitted a request for an investigation of an which you refused. I Report Confirmation XXXX enough information for you to carry out a reasonable investigation of my dispute since you obviously did not investigate this account thoroughly enough the last time I submitted one. 

If you had investigated properly, rather than using your e-Oscar system, you would have known that not only I have never been late on this account, but that I am not sure that the account is even mine though your company claims to have verified this. 
It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter, Sincerely, XXXX XXXX