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 TransUnion Corp. ( 1997 ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( 2002 ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( 2021 ) : 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 XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please have the following items remove from my report they do not belong to me. 
Company : XXXX  Account:XXXX  Company : XXXX   Account:XXXX  Company : XXXX XXXX XXXX Account:XXXX   Company : XXXX XXXX XXXX Account:XXXX Company : XXXX XXXX XXXX  Account:XXXX  Amount : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent out a dispute to resolve the collection in the amount of XXXX and {$680.00}. That was on my credit report. There was no resolve and Im still receiving collection notices every month.
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. 

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 and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

i have sent several letter to Equifax and i havent even got a respond to the letters that i sent back in XXXX and i know it pass the 90 deadline No one had respond to me either by email or mail
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 602 A states the right to privacy.

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. 




Account # XXXX Account # XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I contacted the Equifax customer care number to dispute the results of their investigation and informing them that the information on my credit report was still showing up as incorrect. The individual I spoke with could not verify my identity through there automated questions. I then asked to speak with a supervisor. Supervisor then tried to verify my identity through the same verification system that I informed her was not recognizing the correct answers I was giving along with the incorrect information that was on my credit report. The supervisor then informed me in order to verify my identity I would need to mail a copy of my driver 's license along with a letter stating my dispute. I told the supervisor they should have other ways to verify someone's identity over the phone without having to use the same exact method a previous person used unsuccessfully. As a result my dispute was not resolved and I was directed to place another dispute through there online dispute form and have to wait another 30 days for them to provide results.
Product: Debt collection

See attatched XX/XX/2018 CREDIT CARD FRAUD CLAIM date XX/XX/2018. ( USAA HAS HELD ME LIABLE FOR THIS FRAUD FOR TWO YEARS NOW. {$470.00} USAA CREDITS WERE NEVER PROVIDED UNTIL XX/XX/XXXX, XXXX ) USAA PROVIDED THE CREDITS FOR ABOVE CLAIM TWO YEARS LATE. XX/XX/XXXX, XXXX {$460.00} for fraud & {$100.00} for finance charges DOES NOT MAKE ME WHOLE. USAA HAS DESTROYED MY CREDIT DUE TO INACCURATE CREDIT REPORTING 3 TIMES CREDIT HAS BEEN DENIED FOR USAA FRAUDS NEVER RESOLVED. THERE IS MUCH MORE FRAUD. USAA NEEDS TO FINALLY BE HONEST. USAA OWES ME MUCH MORE THAN THE PROVIDED CREDITS. INTREST & RESTITUTION FOR DESTROYED CREDIT ON FRAUD REPORTED BY USAA. USAA THANK YOU FOR COVERING THIS TWO YEAR OLD FRAUD NOW PLEASE RESOLVE THE REST ** ( OF FRAUD REPORTED BY ME WITH WRITTEN DOCUMENTATION TO VERIFY I REPORTED THE FRAUD NOT USAA. )
Product: Credit reporting or other personal consumer reports

I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.
Product: Student loan

On XX/XX/2017, we contacted 1File.org in order to inquire about loan consolidation. During the initial consultation with XXXX XXXX, he was very helpful, but misleading. XXXX told us that the {$280.00} payment that was to be made three times was to go towards unpaid interest on our current loans. After that, our monthly payment was {$46.00} ( {$39.00} toward their fee and {$7.00} toward the loan ). After paying our three {$280.00} payments, they took from our account {$39.00}, not {$46.00}. Meanwhile, we are being contacted by XXXX XXXX in regards to late payment. We found out that we owed XXXX XXXX {$56.00} every month for our consolidated student loans. After contacting 1File, we were informed that the three payments of {$280.00} was a fee and not an unpaid interest payment toward our original loans. In addition, they take their fee of {$39.00}, but then we are responsible to pay XXXX XXXX. XXXX told us that 1File would distribute the {$7.00} for us. Also, I don't know where they came up with {$7.00} as a minimum payment because XXXX XXXX requires {$56.00}. So now, I am paying interest on top of consolidated interest. This is a complete scam. They lie to you and then charge you. This process can be done for free. Why would anyone in their right mind pay {$840.00} to have someone file paperwork for them? They would if they were told that it wasn't a fee but an unpaid interest payment instead. They will try to say that we agreed to everything via a recording, but what they don't have is all of the conversation before the recording where XXXX talks fast and then we respond " yes '' going off of the previous conversations.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : late payment XXXX XXXX XX/XX/XXXX {$640.00} Credit Card collection/charge off XXXX XXXX XX/XX/XXXX {$8600.00} Auto Loan inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX personal information Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting my rights have been violated. I have also noticed that someone used my information. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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. I have repeatedly asked that this information be updated but to no avail has anything happened. I also have opted out of the secondary credit furnishing companies.
Product: Debt collection

I have been working directly with SOFI in an attempt to resolve a debt that was taken out as a result of ID Theft. This has been an ongoing issue that I have been trying to communicate since XXXX of 2018. I submitted the requested documents to officially dispute the item and was asked multiple times to submit additional documents to support my claim. During this time my account was sold to collections which I was under the impression was a violation of the Fair Debt Collection Practices Act. I now have seen reports that XXXX and XXXX have attempted to serve me with paperwork. I attempted to call them after submitting fraud docs to them as well / They are continuing with the collections effort and say that SOFI needs to contact them to change that. I have been dealing with SOFI to resolve this and it does not seem to be getting anywhere and I am constantly told I need to call XXXX to resolve. I reached out today to SOFI yet again only to find out they have not even reviewed the updated documents they asked for back on XX/XX/XXXX. Multiple calls after XX/XX/XXXX I have been told I will receive a phone call back and leaving messages only to never get a response. This is really unprofessional handling of my situation, but as a victim of fraud, I should not have to go through all of this to resolve this debt.
Product: Bank account or service

I opened an account with Simple ( https : //bank.simple.com ) on or around XXXX XXXX 2016. I subsequently deposited a check for a sum of over a {$1000.00} afterwards. I was notified that it took some time for checks to clear or for accounts to be verified. I tried to use a debit card that was issued to me in XXXX on around XXXX XXXX. The card was declined. I contacted Simple and received this message " Thanks for writing in! It looks like we 're just in the process of verifying the account, so hang tight! 
We will be reaching out with any updates or new information in the form of a support message. '' I was about to use the card today ( XXXX/XXXX/16 ) but wanted to save myself the embarrassment of having the card declined again especially since Simple had not gotten back to me with an update in 3 weeks. When I spoke to a customer representative at Simple. I was told once again that they will still in the process of " verifying my account '' and that no further information could be provided even after escalation. I then requested during a subsequent call that they close my account and send me my deposited funds. The customer service rep then said that while an account is being verified that they could not initiate a closure account process. Furthermore Simple then blocked my debit card over the course of these calls. Mind you I have not been able to use the card since the account was opened.I find the behaviour of this " bank '' very suspicious. They receive customer funds and have no process in place to transparently resolve issues such as mine. I no longer wish to do business with Simple and request a prompt return of my funds deposited with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax provided the following companies with my credit report and I did not give anyone permission to pull my credit report. I want this stuff off my credit because I did not ask for anything from these places. Please delete the inquiries for these companies I began to get alerts notifying me that someone was applying for credit using my social security number. I have not applied for nothing. These companies reviewed my credit without my permission -
Product: Credit reporting or other personal consumer reports

Attached is a letter from XXXX stating that Im not responsible for the check that was written to XXXX for {$270.00} thats currently listed and showing on my XXXX XXXX Report. The check for {$270.00} that was written to XXXX thats currently listed and showing on my XXXX XXXX  Report is a fraudulent transaction.
Product: Credit card or prepaid card

I received a text on XX/XX/2022 saying that my card needed attention. When I called the # provided they asked for all of my personal info., SS #, mother 's maiden name. 
Phone # I was told to call was XXXX
Product: Credit reporting or other personal consumer reports

On my XXXX Credit Report Uplift starting reporting a past due balance of {$970.00} as recent as XX/XX/XXXX. This company is included in my XXXX XXXX Bankruptcy as of XX/XX/XXXX. The status was showing bankruptcy petition and XXXX balance until XXXX this year. Ive filed XXXX disputes with XXXX letting them know the current status is incorrect and they should not be reporting any balance because they are on my bankruptcy and its that they are not supposed to be reporting any negative on my report after Ive filed. XXXX has acknowledged they see them listed under my bankruptcy but continues to say the account balance is accurate and will not make the creditor fix it.
Product: Checking or savings account

****This is NOT a duplicate complaint**** Hello, I have been trying for 2 full business days ( XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to get E*Trade to close my max rate checking account. Their system will not let me close my checking account through my online account and it says I have to call the XXXX phone number. I thankfully was able to transfer all of my money out of the checking account on XXXX XXXX XXXX On XXXX XXXX, I spoke with XXXX XXXX ( XXXX ) from the new accounts department and he said that the issue was that I have {$.00} accrued interest and that is preventing it to be closed. He said it would post on XXXX XXXX and he would monitor it and close it. As usual with their terrible customer service employees, this was not done. So I called XXXX XXXX around XXXX XXXX XXXX and spoke with XXXX, from new accounts to see if he could close it. He seemed to have no idea what to do and put me on hold for over 10 mins supposedly talking to another department. He then said the same thing-it would be closed today and he would monitor it and call me. Of course, he did not. So I called on XXXX XXXX  around XXXX XXXX XXXX and XXXX XXXX ( new accounts ) said that I had to send in a request with my name, DOB, user name, asking them to close the max rate checking account with the account number, where to send the {$.00} refund balance, signed and dated, along with the front and back of my DL ( even though they must have 40 copies now of the front and back of my DL ). I did all this and uploaded the documents to E*Trade from my online account around XXXXXXXX XXXX XXXX. I do not trust E*Trade or Morgan Stanley at all so I wanted to send this complaint also since no one there seems willing to help at all. Also to E*Trade-Also, please make sure my name and address is removed from all of your data mining, postal marketing, telemarketing, e-mail lists, etc etc as I absolutely will never do business with your company again as the entire experience has been a complete nightmare. I was going to go to a Morgan Stanley advisor-but sure wont now or ever after my horrible experience. Thank you to CFPB from the valuable service you do for customers.
Product: Credit card or prepaid card

Everything I am writing about is noted in my call logs with the company. 

To whom it may concern, I am writing in regards to my Citi Simplicity card I was on the phone with XXXX from Kentucky, an accounts supervisor. My issue couldn't be resolved by her. She also stated that she was the highest person that I could talk to on the phone and told me to write in. 

So with that being said, my issue is this. 

On XX/XX/XXXX I made a payment in the amount of XXXX . Well at least i thought i did, turns out it was for XXXX . An obvious mistake. 

On XX/XX/XXXX my account was apparently reviewed and determined to be a risk due to a late payment from another creditor reported on my XXXX  credit report. With this review, my credit limit was reduced by approximately XXXX . All of which I was not currently aware of. 

On XX/XX/XXXX I had realized from my bank statement that I had made an error in payment and called quickly to rectify the situation. I had talked to another account specialist and asked for the change to be made explaining that it was meant to be XXXX $ NOT XXXX $ and if I could get the XXXX $ returned. I was assured I would be and to give it a few days. 

No problems, right? 

After waiting patiently for over a week, I called back in to find out the status of my refund. I was told it was still under review and to check back. So I did, almost 2 weeks from initially being told I would be refunded I called back in yet again. I spoke to an account specialist who noted that apparently it wasn't refunded because they had the wrong account number. Now this I find odd since I have autopay set up with this account and have been making payments from the same account since I opened the card. But i accepted the answer and 2 days later i finally got my refund of XXXX $ Everything should be good now right? 

No. 

My issue is this, my credit limit was reduced, one day after a mistaken payment, that was realized and and reported 2 days after the payment. 

I was not notified of the decrease in credit, before I had made the appropriate steps to reconcile the mistaken payment. 

So now my credit limit is approximately XXXX $ lower then my balance. 

Illegally. 

You can not decrease my credit limit below my balance. Which it currently is.
Product: Credit reporting or other personal consumer reports

Transunion and Equifax are showing accounts that has been closed for years and now its violating my inherent rights to liberty and pursuit of happiness because it has not took the necessary responsibility to take the negative report of my credit report which is in violation of the law and The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Here is a summary of your major rights under the FCRA. 
I demand it to be erased immediately within the next 20 days and I demand to be compensated XXXX dollars each negative account for my pain and suffering and my ability to not obtain my new securities