23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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.
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX / {$0.00} / XX/XX/XXXX XXXX XXXXXXXX XXXX {$620.00} / XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

{$900.00} was illegally taken from my USAA checking account last by an unauthorized person/account last XX/XX/2024. Reported it to USAA on same day but 7 days has passed never received any refund or any update from them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Failure to Investigate Submitted Dispute Letters Dear Sir or Madam, I am writing to formally submit a complaint regarding the lack of proper investigation into my disputes by the credit bureaus, Experian, XXXX and XXXX as required by the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. My Social Security Number is [ XXXX ] for reference. 

On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>, I submitted a dispute regarding inaccuracies found in my credit report to Experian, XXXX and XXXX, specifically pertaining to the following negative items : 1. Identity errors : Wrong name, address, or social security number, leading to accounts belonging to someone else appearing on my credit report ; 2. Account status errors : Accounts listed as open when they actually closed, or vice versa ; 3. Payment history errors : Incorrectly reported late payments, when payments were made on time ; 4. Account duplication : The same account listed multiple times on the credit reports ; 5. Mixed file errors : Accounts belonging to someone with a similar name appearing on credit report ; 6. Data entry errors : Transposed numbers, incorrect dates, or typos in account information ; 7. Credit limit errors : Incorrect credit limit listed for accounts ; 8. Balance errors : Inaccurate current balances reported on accounts ; 9. Collection errors : Incorrectly reported debt in collections, including outdated or already paid debts ; 10. Bankruptcy errors : Inaccuracies in the date or details of bankruptcy filing ; 11. Inquiries errors : Credit inquiries listed that were NOT initiated by me. 

As stipulated by the FCRA, credit reporting agencies are required to investigate all disputes within a reasonable time frame, typically 30 days. However, I have yet to receive a comprehensive resolution to my disputes. In addition to my initial dispute letters, I have not been provided with the results of any investigation, nor have I received any documentation demonstrating that a thorough review of my claims was conducted. 

This lack of investigation not only violates my consumer rights under the FCRA but has also had a detrimental impact on my creditworthiness. As a result, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against the credit bureaus involved. 

I appreciate your attention to this matter and look forward to your prompt response. Please do not hesitate to contact me should you require any additional information. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer services and unfair practices, which violate the consumer financial protection act ( CFPA ). 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 deceptive and unfair, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have cause significant financial loss and inconvenience, I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit Company continued a Writ of Continuance of Garnishment submission of of my CFPB complaint filed on XX/XX/XXXX. 

Original complaint ( attached as well ) : Violation of 12 CFR 1006.18 False, deceptive, or misleading representations or means. 

In XX/XX/XXXX, I received a summons document requesting my appearance in court on XX/XX/XXXX, on behalf of Midland Credit Management. The document stated that failure to file a response would result in a court judgment against me. Upon arriving at the courthouse on XX/XX/XXXX, I was informed by the clerk that there were no court filings associated with the case number and that the document was invalid. Midland Credit Management was aware of and willingly served me with false, deceptive, and misleading representations or means, thereby violating 12 CFR 1006.18. Despite this, XX/XX/XXXX, Midland Credit Management was awarded a judgment to garnish my wages for the amount of {$1700.00}. As of today, I have been garnished {$620.00}, and I am pursuing legal action due to Midland Credit Managements deceptive and misleading practices. 

Update ( XX/XX/XXXX ) : Midland Credit responded to my initial complaint on XX/XX/XXXX and requested additional time to look in the matter further. However, Midland Credit garnished my wages until receiving the full amount, which they confirmed via letters sent to my address. I contacted Midland Credit on XX/XX/XXXX about the issue and was told there weren't any updates and to contact the CFPB. Midland Credit continues to not provide any answers of solutions as to why I was served a misleading document and ultimately denied my day in court. 

I also included a bank statement that also proves that I was at the courthouse listed on the misleading summons document. I made a copy of my response at the court house in order to submit it to the clerk.
Product: Credit reporting or other personal consumer reports

THIRD PARTY- XXXX XXXX XXXX XXXX EQUIFAX XXXX IMPOSTER : XXXX XXXX XXXX  is breaking the consumer law pertaining to : XXXX XXXX XXXX  ACCT XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost XXXX  of dollars and XXXX  aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX XXXX XXXX CARD HOLDER!
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to see an unauthorized inquiry that I can not explain. I review my credit report regularly, and this has never happened before. I even refreshed my browser, thinking it might be an error, but it wasnt. I am beyond frustrated and demand immediate action. I need the documents I provided to be examined thoroughly so I can have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I kept receiving daily calls that my carrier Identified as Robo caller with medium level risk. Assuming spam I never answered at first but eventually I did to ask them to stop. Instead I got a lady claiming she was from PNC and asked for sensitive info such as DOB, etc. I told her Im not comfortable giving personal details over the phone, especially with the suspicious caller ID. She instructed me to go to the nearest PNC bank to be told what this is all about. I went to the PNC bank in XXXX, VA and a banker ( XXXX, I believe ) checked my account and assured me that ALL my accounts are in good status and that I can just ignore the spam/scam calls. 1 or 2 weeks later, I got a report from XXXX XXXX that my credit score went down almost XXXX points. I checked back with the branch manager and I was told one of my accounts was NOT on auto pay and hence the calls. 

I tried to get PNC to fix the reporting to the credit bureau to no avail. At this time when looking for mortgage, such refusal from PNC to fix their employees grave mistake will either cost me tens of thousands of dollars in premium interest or even worse having me denied a mortgage all together.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious issue regarding two accounts with the same account number on my credit report that are reporting different and inaccurate information. The payment history for these accounts is entirely incorrect, with one account showing a 60-day late payment without any prior late payments being reported. It is not possible for a 60-day late payment to be reported without prior late payments, which is a clear violation of the Fair Credit Reporting Act ( FCRA ).

I previously notified you that I would be seeking relief and monetary compensation under FCRA 15 U.S. Code 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( Civil liability ). Your response stating that Conns had filed for protection under XXXX  XXXX of the U.S. Bankruptcy Code in the XXXX XXXXXXXX XXXX XXXXXXXX, does not address my concerns about the inaccurate reporting. 

Your response did not confirm or deny the incorrect information nor did it address my request for the accounts to be updated to paid as agreed, never late. This lack of resolution is unacceptable. 

I am requesting that you correct this information immediately and ensure that it is accurately reflected on my credit report. Failure to do so will result in further action.
Product: Debt collection

XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an apartment lease opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an a personal private loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the collections in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have attempted to ask for a settlement from the company, but the company refuses to settle. I have been unable to make payments, and today I received a collection call for the balance. The collector call my phone number, my work phone number, and other relatives. The person who called gave out personal information and left threatening messages like they were going to come to my employer.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>, followed on XX/XX/year> and followed up on XX/XX/year>. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not r
eceived the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Credit card or prepaid card

upon checking my credit report I noticed I was added as an authorized user to a credit card that does not belong to me and that I did not give permission to be added to at all I do not know the person just saw the card on my profile I have been a victim of identity theft and I have reported it to the police my information is still floating around and being used I also see an inquiry from XX/XX/22 XXXX XXXX that is not mine I have not applied for any new credit at all in a while I did not authorize this inquiry and I want this inquiry and the XXXX XXXX  card/acc was removed from my report ASASP it is causing me great hardship I am happy to work with law enforcement and bureaus I spoke with XXXX XXXX  about this account several times about I was told this matter and was told it would be removed from my report and it has not
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has stated this account/item was updated from our processing of your dispute in XX/XX/2023 information is still inaccurate on this account. How could that be if this account was reinvestigated and presented with all accurate information. 
my address ID on XXXX XXXXs XXXX, the address ID showing for this account is XXXX that address does not match mines and i don't know who's address that is. as you can see in the screenshot, transunion is reporting this last verified XX/XX/2023, nothing here on XXXX, since the last investigation XXXX has deleted this account As of XXXX, if they weren't able to verify how is XXXX and Transunion verifying this account? date of last activity is still not matching, opened date is still not matching payment frequency is still not showing on XXXX and in the two-year payment history XXXX is still showing no payment for the month of XXXX according to the FCRA 15 USC 1681 everything must be 100 % accurate DELETE THIS ACCOUNT NOW
Product: Mortgage

On XX/XX/ I purchased a home and closed with XXXX XXXX ; Soon thereafter, they transferred servicing to XXXX XXXX XXXX. There was approximately {$6000.00} in escrow / impound to pay the property taxes when XXXX XXXX XXXX inherited the account which were due in XXXX. I contacted XXXX  on XXXX to inform them that I had received a new tax bill but the amount had not changed. I also inquired about payment of the XXXX installment because it was not showing up on their website as planned money going out. They assured me that the taxes will be paid. 

On or around XX/XX/XXXX, XXXX transferred servicing to Dovenmuehle Mortgage and the loan was transferred to XXXX XXXX XXXX. I have contact both XXXX  and Dovenmuehle several times regarding payment of property taxes. XXXX  says they no longer hold the servicing and can not do anything about it. Dovenmuehle says they will take care of it but then fail to do so. I can not get a supervisor to call me.
Product: Mortgage

on XX/XX/XXXX I mailed a certified letter to Paramount Residential Mortgage Group. This packet was mailed in regards to a mortgage application I submitted. 

The following is a copy of the letter I submitted : I applied for a mortgage through this company and was given misleading information. My mortgage broker decided to change lenders after advising me I was good for closing on my home in XX/XX/XXXX. I was later sent a contract from another lender with a different payment amount, interest, insurance and closing cost. I was never told my broker was still shopping lenders until after I received new documents to sign. My credit has been pulled several times by three different companies. I backed out of the deal after rearranging my whole life in the process of trying to get this done. I was never given any of my money back after paying for inspections, and giving earnest money. This was a horrible and heartbreaking ordeal I DO Not recommend this broker/ company to anyone.
Product: Debt collection

HI MIDLAND CREDIT MANAGEMENT ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.