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. 
XXXXFailure 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. 
XXXXFailure 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 XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( 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 : XXXXConduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
XXXXProvide a comprehensive written explanation detailing your investigation process and results. 
XXXXPermanently 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source
Product: Debt collection

Texas Attorney General Is Purporting To Be A Bonafide Debt Collector, To Public Reporting Agencies, Such As ... ... ... ... ... Trans Union, XXXX, XXXX, Which Violates ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... Fair Debt Collection Practice Act 1692 ( e ) Title 15 U.S.C.1692 ( 1 ) ( 2 ) ( B ) ( 7 ) ( 10 )! Also I have documented proof of sending the ( Attorney General ) A Check For {$7000.00} From Prior Bank Account ( XXXX. ) Where I withdrew {$6500.00} To Pay A Debt To XXXX XXXX, On Or About XXXX. As Well {$700.00} Was Sent To Attorney General From XXXX XXXX. The
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Mortgage

My loan was serviced by XXXX and sold to Fifth Third bank effective XX/XX/21. 

Fifth Third has sent me mountains of paperwork with conflicting guidance and information, I attempted the process of trying to setup online to clarify and see the loan on their website. Their system said I had to call their customer service number which I did. 

I call from work so they told me I needed to call again from my home phone to verify my identity. The problem is that would require me to miss work since their hours are listed as Monday to Friday. 

No other institution I work with makes it this hard to setup a new online access, they refuse to help me and they bought the loan which means I have no options or choice aside from trying to refinance at cost to me to get away from this awful bank. 

I can not think of a more anti-consumer approach to a new client than this whole experience.
Product: Debt collection

Hello, my name is XXXX, I received a collection letter from Midland Funding. I sent them a certified letter asking requesting debt verification. I got the receipt back that is was indeed delivered. I never heard back from them. Upon checking Small Claims court cases I discovered they still went ahead and got a judgment out for me to start paying {$35.00} a week starting on XX/XX/2017. From what I understand it 's against the law for them to ignore my letter and continue with the case. Is there anyone that can help me with this as far as what steps I should take in order to protect myself? Any help would greatly be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INFORMATION ON CREDIT REPORT IS INCORRECT. THIS ACCOUT WAS PAID IN FULL IN THE AMOUNT OF {$24.00}, XXXX ON XX/XX/2016.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 
As you are aware, I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding these fraudulent accounts. Following this submission, XXXX and XXXX promptly removed these accounts from their records. 

I have also contacted the companies associated with these accounts directly, and they have confirmed the removal of the accounts from their records. Thus, I am perplexed as to why these accounts continue to be reported by your bureau. 

It is crucial to recognize that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only breaches this duty but also subjects me to further harm. 


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: Credit reporting, credit repair services, or other personal consumer reports

I was charged {$280.00} incorrectly by XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ). I contacted XXXX, and was able to correct the information, and was sent a letter by XXXX XXXX from the XXXX XXXX office on XX/XX/2018. He informed me this was also being sent to all 3 credit reporting agencies, and should be removed in a month 's time. It is still on all 3 credit reports, and I am unable to have it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I go into my equifax account and attempt to lift my freeze and it gives me an error saying it can not get the status of my freeze at this time. The site gives me a phone number to call in order to get help, I get a call center in XXXX and have been told 4 times XXXX over four different days ) that their system is down and I need to call back. Two of those three times I was just hung up on after 30 minutes of holding. I am trying to finance a XXXX 's loan which requires the reports of all three reporting agencies and equifax is hold up my financing and is about to cause me to lose locking in a rate of XXXX percent. It is not fair that a company has this much influence on your finances but is not held accountable when they ruin them.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am reaching out to file a complaint regarding an unlawful account closure by XXXX XXXX. I did not consent to the closure, and my account was locked after I contacted them to dispute a charge. I have attempted to resolve this issue with their customer service team, including speaking with a supervisor, but they claim the closure is automatic and can not be stopped. 

I am unable to access my funds and have been informed that they are taking action without my consent, which I believe is in violation of consumer protection laws. I request your assistance in ensuring that XXXX XXXX is held accountable and that I receive access to my funds as required by law. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Debt Collection Company who is Reporting this to my Credit on Speedy Cash 's Account has ReAged this account which is a violation of the Fair Credit Reporting Act. 

I've disputed this Item with the 3 Credit Bureaus and because I disputed this account they re-aged this which dropped my Credit Score Dramatically. 

I want this Collection Agency Investigated. They are treated this account as a new collection item which it is not. This account is Two Years Old. 

To Begin with this company is charging Unfair Interest Rates that are astronomical which is how i got in this position in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that the Chapter XXXX on my credit report be removed because it was voluntarily dismissed from my credit report after paying the debt completely off with a five year plan PAID in 2 years paid and dismissed. 
All poutstandin bills were paid off once my property was sold. 
I applied for a loan and was told that the chapter XXXX and XXXX was still on on my credit file which hurt my credit adversely. 
I was also told that I had tax liens on my report which was not true. 

I would greatly appreciate your assistance in helping me a senior to resolve this problem.
Product: Credit reporting or other personal consumer reports

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if there are any accounts that are reporting inaccurately on my credit report they should be removed immediately.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I made some purchases online with a merchant name XXXX XXXX. the merchant receive over {$4000.00} worth of transaction using my TCF bank card. the merchant never render services nor ever send the merchandize I have order, I try to contact the merchant several time and no response at all, after some research I found out that the merchant not licensed nor is authorize to accept client from the usa nor usa citizen, that is a red flag that TFC fail to see. I have file a dispute with my bank TCF BANK several times and they fail to resolve the claim in my favor due to services not render or fraud merchant. 
my understanding is that always consumer is protected under those circumstances. 
therefor I would like to file a complaint against TCF bank for not resolving my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXXXXXX account I am disputing is reflecting negative on my credit report. I paid this off in XX/XX/2016. I shouldnt have a balance reflected on my credit report. I disputed this more than once and it comes back that it wasnt paid. I am attaching a receipt of payment stating its paid in full. This is under my previous name XXXX XXXX. I need this fixed asap to reflect XXXX on my credit. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI U.S. Department of Education/XXXX XXXX XXXX XXXX XXXX XXXX ... ..How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is not aiding me in removing fraudulent items on my credit report. I have sent TransUnion all necessary documentation for them to block and remove the information from my credit report and TransUnion has been negligent. The fraudulent items on my credit report are XXXX XXXX XXXX and Inquiries of XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX My request to block is NOT made in error. My request to block information is NOT based on a material misrepresentation. My request to block is NOT of a knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of XXXX or more of the transactions that I am seeking to block.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX  ( ACCOUNT NUMBER : XXXX ), shows a 30-day late payment in XX/XX/year>. This account falls under the FCRA 's permissible purpose rules, and I did not give permission or authorize TransUnion to report it, which constitutes a violation of these rules. I have never been late on any payments, and reporting this account as late violates 15 U.S.C.1666b ( a ). Furthermore, failing to ensure maximum accuracy in reporting breaches 15 U.S.C. 1681e ( b ). If this issue is not corrected, it will be treated as willful non-compliance under 15 U.S.C. 1681n, which allows me to seek up to {$1000.00} in damages per violation, along with compensation for any other harm caused. I demand the immediate correction of this false late payment. Please address this issue without delay.
Product: Debt collection

ALLY received written notice of my intent to rescind the transaction on XXXX occasions. The XXXX recent formal notices to rescind was recieved by ALLY on XX/XX/2021 and XX/XX/2021. 
Pursuant to 15 USC 1635 ( a ), ALLY is required to disclose clearly and conspicuously my right to rescind in regards to ANY transaction in which a security interest IS retained or acquired in ANY PROPERTY which is used a the principal dwelling ( residential structure or mobile home ) of whom the credit was extended. Upon receipt of my notice, ALLY continued to act illegally against me. ALLY decided to report my account as a charge off, threaten and take action to repossess my dwelling, AND made it clear that they would not release any security interest. 
15 USC 1635 ( b ) clearly states the laws that ALLY is suppose to follow and their actions and words to me are a direct violation.
Product: Money transfer, virtual currency, or money service

Ive been dealing with 2 banks. XXXX XXXX XXXX XXXX and BofA for the last 17months. The short version my boyfriend wrote me a check for XXXX i deposited it his bank couldn't reach him because he was in the hospital and passed a week later i never got the money and it wasnt returned to his account now in probate. neither bank could say where the money was finally bofa admited they have it after a year of me filing complaints to find it now they want XXXX bank to file a Alteration breach of warranty claim no one seems to know what that is and the lady at BofA Ms XXXX XXXX resulution specialist in XXXX NC office doesnt return calls from myself or XXXX so that we get the forms needed to get the funds released ive been calling her since XX/XX/2019 i faxed her a letter XX/XX/2019 and ive called again today. I think 17months is way to long for this to go on. Theres no way to speak to a superviser its horrible. not only that bofa reported me to XXXX  for no reason
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate collection reporting to my credit report from third party company XXXX XXXX. Account # XXXX. They are attempting to collect {$670.00}. Date Opened XX/XX/2022. This medical debt was sold to this third party collection agency from XXXX XXXX  XXXX without my consent. According to FCRA, this is against Hipaa law.
Product: Credit card

I have a Barclays Mastercard. My Escrow Company issued checks to pay off some of my debts. XXXX XXXX checked- a check was Cashed in the amount of {$400.00}! 
XXXX cleared in XXXXXXXX XXXX However, looking at copy of the check I see XXXX XXXX & Barclay. 
I would just like the check back, so the RIGHT company get paid. 
I only put my name on the check. No account # # Thinking in today 's Word that could match the Name & Amount-So Wrong I am a XXXX person and this Very Stressful!! 
Please help me. 
Thanks
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$4500.00} XXXX XXXX
Product: Money transfer, virtual currency, or money service

i am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act. Cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements. These actions cause significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Bank account or service

Bank of America returned XXXX electronic payments I had made to pay XXXX bills, even though there were more than sufficient funds in the account to cover the withdrawals. They then charged me {$35.00} each for the XXXX returned items. 

I just received the notice from Bank of America of the supposed overdrafts. XXXX payment was for {$200.00}, and the other for {$150.00}, or a total of {$350.00}. On the notice, it clearly states " Your account balance was {$6000.00} after we processed these transactions ''. Clearly they were aware I had over XXXX XXXX dollars in the account, but yet they returned XXXX items for {$350.00}. 

In addition to the {$70.00} in fees BOA is charging me, XXXX of the payments was to the IRS. Since the {$200.00} IRS payment was returned, the IRS has billed me a {$200.00} fine for the late payment.