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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2018 VALLEY CREDIT SERVICE IN Last reported : XX/XX/2018 Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by  identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious VALLEY CREDIT SERVICE IN Last reported : XX/XX/2018 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Checking or savings account

On XX/XX/XXXX, my personal checking account at Bank of America got a debit transaction of {$4300.00}. I immdiately called them to file a claim on this. Yesterday ( XX/XX/XXXX ) they rejected my claim. And there is not phone number to call whoever initiated the charge.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an urgent matter pertaining to my credit report. On XX/XX/2023, I initiated a dispute with National Credit Systems , Inc. regarding a debt associated with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, totaling {$7000.00}. I firmly believe this information to be inaccurate and not reflective of any valid debt I owe. 

I have notified National Credit Systems , Inc. directly of this dispute, as stipulated in 15 U.S. Code 1681i, which mandates a timely reinvestigation by the consumer reporting agency. Regrettably, National Credit Systems , Inc. has not conducted this required reinvestigation within the mandated 30-day period.

The inaccurate debt on my credit report is severely impacting my financial prospects, including my ability to secure housing and make informed financial decisions. Therefore, I urgently request that National Credit Systems , Inc. conducts a thorough reinvestigation into the disputed information and rectifies any inaccuracies promptly, including the removal of the disputed item from my credit file if found to be inaccurate. 

I also urge XXXX, XXXX, and XXXX to ensure that accurate and up-to-date information is reported in compliance with the law. 
I appreciate your prompt attention to this matter and request your immediate action to resolve this issue in compliance with 15 U.S. Code 1681i.

Sincerely,
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I am formally requesting their removal within XXXX  days. Relevant documents are enclosed for your review and consideration.
Product: Money transfer, virtual currency, or money service

www.coinbase.com coinbase ran an advertisement on the XXXX XXXX promising {$50.00} in XXXX for making an account around XX/XX/2020. There was no star or fine print but when you clicked on the ad and made and account you never got the money. Their customer service said I was not entitled to the money in the advertisement because I didn't verify my personal information even though the ad did not put stipulations on the money. After months of waiting and emailing them they never said how someone would get paid the {$50.00} just that they were not paying it out.
Product: Money transfer, virtual currency, or money service

I came across with XXXX XXXX XXXX XXXX  XXXX  and get {$400.00} per week I fill up all my information weeks later I got a check over the mail for XXXX sane that XXXX needs to go today XXXX XXXX XXXX I deposit through XXXX {$500.00} in their account and then I realize that its scam, he pushes me to go and do a money order and send it to them via overnight mail then I realize that its a scam I called XXXX XXXX right away and try to stop the transaction I file a claim and XXXX XXXX just sent me XXXX XXXX XXXX that same they can not credit me back I wanted to see if someone can please help me Im unemployed right now and I thought that its gon na be nice to make an extra money I cant believe I fell into a scam
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Equifax validated my victim determination documentation and successfully processed several XXXX  XXXX  disputes between XX/XX/XXXX and XX/XX/XXXX ; however, on XX/XX/XXXX Equifax invalidated the documentation without a reasonable explanation and re-inserted several previous blocked adverse items back onto my credit profile. This implies that Equifax conducted a superficial investigation and erroneously denied my request to block adverse information that was the result of XXXX XXXX. The documentation states that the 'Entity ' was unable to validate, but this is not true and is evidenced by the attached supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to Experian regarding the XXXX/XXXX requesting that the charge off reporting and all late payments be removed due to the fact that the charge off has already been reported and that there shouldn't be lates or charge off reported. Also, the account was transfered and sold to XXXX XXXX therefore this account should be removed. They have address the issue and its over 30 days. MUST BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple attempts through the credit bureaus ( Transunion and XXXX ) and through the company XXXX XXXX I have been unable to come up with a resolution to my issue. XXXX XXXX is reporting inaccurate information on my credit files ( Transunion and XXXX  ). As seen in the provided documents the account number as well as the balence owed and the last payment are all inaccurate and is yet to be verified. This trade line needs to be completely removed for the multiple inaccuracies.
Product: Student loan

Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly 70,000 students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it.

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes! 

I submitted ( 2 ) letters to ALL THREE credit bureaus on XX/XX/XXXX. One letter was to validate ( 3 ) accounts and the other letter was to validate the late payments for my ( 6 ) student loans accounts.

I only heard back from XXXX  for the ( 6 ) student loan accounts.

I then submitted a NO RESPONSE letter for the other ( 6 ) student loan accounts for the other ( 2 ) credit bureaus and for the ( 3 ) accounts for all credit bureaus because I didn't get a response. This was done on XX/XX/XXXX. To be safe, I sent the SAME set of the above letters on XX/XX/XXXX. 

I haven't heard back from the bureaus for any of this!!! 

I called up to the credit bureaus and XXXX  and XXXX  BOTH conveniently stated that they only received one letter. ONE LETTER!!

Of ALL the letters I've sent, they only received ONE LETTER! I just don't believe that. And XXXX  didn't even investigate the late payments ... they investigated the balance!! Thats not what I asked!! 

I can clearly see that this information on my credit report is reporting INACCURATELY and on top of that, no investigation has been done after numerous attempts. 

THIS IS A VIOLATION OF MY RIGHTS!!! I demand an investigation and deletion of this inaccurate information!! 

Thank you!
Product: Mortgage

My experience with Mr. Cooper Mortgage has been nothing short of a nightmare. In XX/XX/XXXX, I lost my job of 27 years due to the impacts of Covid 19. My husbands employment also changed the same year. XX/XX/XXXX I was diagnosed with XXXX XXXX XXXXXXXX which required months of chemo treatment as well as a stem cell transplant at XXXX XXXX. Needless to say, the past two years has been a challenge for me and my family and to have the stress of not being able to prove to our mortgage company, of over 10 years, that we need assistance is disheartening. 

To date, I have submitted XXXX loan modifications ( XX/XX/XXXX, XXXX, XXXX and XXXX ) to Mr. Cooper and rejected each time because documents were not submitted, such as a quitclaim deeds, death certificates, etc, when in fact the documents were on file, some of them were on file for over 10 years and never researched before my loan modifications were denied. I was one advised that they approved the modification. However, I never received a phone call or correspondence in which I feel as intentional. For over a year, I have attempted to go online to make payments while we work through this process and the payment fields are grayed which doesn't allow the payment to be made. 

As of today, Mr. Cooper has pushed our account into pre-foreclosure status. The number of loan modifications I have submitted is proof that we want to resume mortgage payments and not have to continue to be stressed over this process. We feel as if Mr. Cooper is intentionally attempting to foreclose on the home that we've lived in for XXXX years, raising our children, and now our grandchild. 

We should NEVER have to fight this hard to do the right thing. We have not attempted to avoid Mr. Cooper and been cooperative beyond measure. Our fear is that they will reject our loan modification..again and put our home in foreclosure. 

Our ask is that you assist us in the loan modification process with Mr. Cooper in any way that you can. We would also like for Mr.Cooper to be investigated for the mishandling of our account and potentially other accounts/consumers. 

Thank you for your time and attention to this matter. 

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

I discovered an unauthorized and inaccurate collection account on my credit report from EQUIFAX associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, EQUIFAX has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Checking or savings account

While going through paperwork I found an Automatically Renewable Personal CD that was opened at  XXXX   XXXX   XXXX  Bank in  XXXX , NJ on   XXXX   XXXX   XXXX   XXXX  n the amount of {$4600.00}  XXXX   XXXX  was purchased by  Wachovia and then Wachovia was purchase d by  Wells Fargo Bank. I went to my local Wells Fargo branch  office with the  XXXX  and I was told that the  XXXX  is too old and they have no way of tracking it. I was instructed to go to the state of NJ - Department of Treasury for unclaimed property. ( https :  XXXX   )  NJ has no record of my money.  I then phoned Wells Fargo again. I was informed that they researched and again have no information. Please note, that I have the Original Time Deposit Automatically Renewable Personal CD with   Account Number in my hand. Thank you for any assistance that you can provide.
Product: Payday loan, title loan, or personal loan

My payments was not applied the the balanced.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies on my credit report that have resulted from a data breach. It has come to my attention that unauthorized access to my personal information has led to fraudulent activities and incorrect entries on my credit report. -- 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- I request that the fraudulent or inaccurate information resulting from the XXXXXXXX Equifax data breach be thoroughly investigated and removed from my credit report. Additionally, I would appreciate a corrected copy of my credit report once the inaccuracies have been addressed. 15 usc 1681 all unverified information must be removed, was promised accuracy under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 Dear XXXX, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


1. Account Name : XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account NamXXXX : XXXX Account XXXX : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : DPT EDXXXX Account Number : XXXX* 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 4. Account Name : XXXX XXXX Account Number : XXXX 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 5. Account Name : XXXX XXXX Account Number : XXXX 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 6. Account Name : DPT EDXXXX Account Number : XXXX 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 7. Account Name : DPT EDXXXX Account Number : XXXX 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 8. Account Name : XXXX XXXX Account Number : XXXX XXXX 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 Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has my FTC Identity Theft Report package with the laws and my notarized Affidavit identifying the crime of identity theft by XXXX XXXXXXXX cards ending in # XXXX & # XXXX to be DELETED off XXXX credit report NOW. See attached.
Product: Credit reporting

I received a written letter from XXXX XXXX XXXX regarding an account. The written letter offered the option to log into XXXX XXXX XXXX which would allow me to pay my account in full. When I proceeded with the payment, the prompts promised " You should receive in 5 business days a confirmation letter, at the mailing address indicated on the previous page, reciting the terms of your payments and confirming your authorization. '' I paid {$1000.00} ( please see attached payment receipt and bank statement ) and not only have I not received this letter, but XXXX is still reporting my account as OPEN and " Seriously past due date / assigned to attorney, collection agency, or credit grantor ''. ( See attached Credit Report excerpt ) Their statement was misleading.
Product: Debt collection

Absolute Resolutions lied to the court about the amount of debt I owed and that they have not delivered proper notices, which were never delivered, and submitted false documents to the court. This has caused me great emotional distress and attorney fees for a debt that was never correct. I told them I wanted to arbitrate the matter and the contract demands they could no longer use any court. However, they continued to pursue a judgment and garnish my employer under fraudulent and false misrepresentations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has has five fraudulent inquiries on my credit file that needs to be removed, I did not check my credit for these inquiries to show up please remove these inquiries off my credit report they fraudulent I do have screen shots of those accounts XXXX has 7 inquiries on my report that are fraudulent I filed this CFPB to have them removed and the two XXXX XXXX XXXX XXXX accounts thats on my credit report also needs to be removed those accounts are fraudulent, I did not open those accounts, and I will send a ftc identity theft report please do yalls job and not ignore this ftc complaint it acts the same way as a police report, I do have screen shots of those accounts