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 XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus XXXX not shirk their duties by delegating investigations to furnishers. 
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 : 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 negligenc
e are pursued to the fullest extent.

Please remove, block or provide me with your investigation results in written form through the USPS for this account : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2019 my Pay Pal account was placed on a freeze. I contacted pay pal and I was advised it was due to another account that was open in my name that had a negative balance which has to be fraud because I have never had any other pay pal accounts in my life. 

I was advised to submit a police report for identity fraud and my funds will then become avail 5-7 business days after the report was received. So I followed all the steps and provided them all the information requested to me. Two months go buy I heard nothing so I called back in and they advised me that the original ticket they submitted to get this corrected had expired and they needed to start the process again! 

So another months goes buy I received a call saying they were going to lift the hold on my account and I could resume to use my account as normal. Long story short that was a lie no holds were ever removed. So again I called in and they had to start the process again long story short at this point Im receiving auto responses saying that they have completed there investigation and because the account Im saying is fraud has all my personal information that I am liable for the debt and I need to pay the debt to gain access to the account that has my funds
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I have sent multiple letters to the company stating all the claims and fraud with legal language stating these claims and they avoid and ignore my claims of this account and requesting to be removed from my credit report and still do not agree to my request with still sharing my personal and private information to a 3rd party with no legal documentation in doing so and now I have faced financial stress, emotional, and physical also financial problems with financial aids
Product: Credit card or prepaid card

On XX/XX/XXXX and again on XX/XX/XXXX, I asked Barclays to close my credit card account ( XXXX XXXX ). Note that I had previously paid my account in full and there was no outstanding balance at this time. 

My instructions were submitted to Barclays using their own proprietary email system. Screen shots attached. 

During XX/XX/XXXX, having failed to close my account as I requested, Barclays billed me a {$99.00} annual fee. 

I contacted them again on XX/XX/XXXX and told them that they had ignored my XXXX previous attempts to close my account and again ( yet again ) asked them to close my account. 

Today I received a letter from them dated XX/XX/XXXX stating that my account had been closed, but the {$99.00} fee is still in dispute status and asking me to pay this amount. 

I believe that Barclays deliberately make it as difficult as possible to close an account with them, so that they can continue to charge an annual fee. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont no recognize inquires from factual data on XX/XX/21. This is not mine
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i was trying to purchase a puppy from a breeder. They asked me various questions to see if i was a good match and i made sure to call them to see if they were real. They told me i had to send the money online because they were located in XXXX. They never sent me the puppy and they tried to charge me more so i tried to call my bank which is Chase to cancel the transaction because it still said pending but they said they werent able to cancel it anymore. They said they were going to submit a claim and in 10 days if i didnt hear anything back since they were going to investigate it, i would get at least a credit for {$500.00}. I made sure to ask them so no matter what im getting my money back even if its through credit and they said yes so thats why i wasnt concerned. my boyfriend sent {$100.00} on his part but he was able to get it refunded since he has XXXX  XXXX XXXX XXXX XXXX. But now 10 days have passed by and i called again since i havent seen any progress and a different representative says they cant do anything about it because it was through a third party which is XXXX  so chase is not responsible and they said they sent me an email when the claim got closed on XX/XX/XXXX but i never did. I tried calling XXXX too but they said they cant do anything about it because it wasnt through their app and because i went through my bank. This all happened through the phone so they never sent me a summary of what was talked about over the phone but the latest representative said its all in the notes on their end.
Product: Debt collection

XX/XX/2023 They said about was over XXXX. The initial I used was about XXXX and numbers don't add up. They rejected what I could offer to pay at the time.
Product: Credit reporting or other personal consumer reports

Company never provided contract according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) or provide who they spoke to in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

My Identity was stolen on XX/XX/XXXX. Chase claims this was unrelated to them closing my account, a week later on XX/XX/XXXX, but I don't believe that. Also, one of the credit cards I was using had a {$450.00} annual fee which Chase has refused to refund me, despite me not wanting the account closed. This decision also came conveniently right after the 30 day refund window closed. Coincidence? I think not. Before Chase started ruining my credit score I was just under 800. Now I am around 700.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Experian Credit Reporting has my date of birth as XX/XX/XXXX that is incorrect. 
My Birth day is XX/XX/XXXX. 

I have placed several disputes with experian and keep getting notified it has been resolved but they still list my date of birth year as XXXX when it should be XXXX. 

I've tried calling and it is impossible to speak to anyone. This has been going on now for several months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in need of help from the consumer finance protection bureau regarding a lack of response from Experian the credit bureau. In XXXX of 2019 I opened a credit monitoring account after hearing of the XXXX  data breach. Upon reviewing my credit monitoring report I discovered a lot of accounts that either did not belong to me or where reporting wrong to my credit. I initiated disputes by mail on or around the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019. I never received a response to these disputes by mail and was not informed of the dispute results or the status of their investigation. Assuming an investigation was ever opened as a result of my numerous dispute attempts in the first place. The accounts I believe to be inaccurate are XXXX XXXX XXXX  XXXX {$1200.00}, XXXX XXXX XXXX XXXX  XXXX {$900.00}. The accounts that do not belong to me are XXXX XXXX XXXX XXXX {$740.00}, XXXX XXXX XXXX  XXXX {$370.00}, XXXX XXXX  XXXX XXXX  XXXX   XXXX {$300.00}.
Product: Credit reporting

I would like the credit reporting companies to update their reports. I have been paying this debt for quite some time and it is now satisfied. I would like it removed from the reports.
Product: Credit reporting

I submitted a response to Experian 's response, which did not address my complaint, to a Consumer Finance rep over the phone on XXXX XXXX but I could find my response online, it was not available. I called Consumer Finance to inform them it was not there and I was told it was and they would mail my response to me. I received it today and my response on XXXX XXXX is still not included. The only items showing XXXX XXXX is your automated Consumer Finance response at XXXX and the same automated response again at XXXX, your auto Consumer Finance response shows twice. Mine is not there. Was my response that i gave over the phone to your rep n XXXX XXXX not recorded and posted, please? 
Thank you.
Product: Debt collection

The Consumer management debt collection agency is the company. The representative XXXX XXXX told me on XX/XX/XXXX that she will ask to request an eviction. I ask to speak with her supervisor and was told he wasn't available. After calling for a week. With no return call. I think I would like for something to be done. I was put in a emotional state of mind because of the conversation and the timing of the year. I would like the recording audio to be reviewed and handed to the appropriate team to make sure this never happens again.
Product: Debt collection

The I C SYSTEM INC company reported to the credit agency a medical account that is not mine, because I do not owe anything. So I think it's a fraud.
Product: Credit card or prepaid card

On XX/XX/XXXX and XXXX, a series of fraudulent transactions were billed to my debit card that drained the balance of my account. I filed a chargeback form with Revolut for all of these fraudulent purchases on the XXXX of XXXX. The first fraud transaction was billed to a small enterprise in XXXX, XXXX. I called the owner of this store who mentioned that a wave of fraudulent transactions with stolen card data was used that day through his e-commerce site. Immediately after this first fraud transaction for about {$6.00}, a series of transactions to XXXX for each XXXX yuan were made every two minutes. I have never been to XXXX or given my card details to anyone. On the XXXX, a transaction to XXXX XXXXXXXX XXXX was made for {$11.00} in the morning. After this payment went through, the same thief from XXXX made another XXXXevery two minutes to drain my account. I will attach my transaction list to this claim. The thief tried to make multiple purchases once my account was empty. 

I filed the chargeback claims with Revolut on the XXXX and the bank is only refunding me for the XXXX, XXXX purchase and the XXXX XXXX XXXX purchases. Revolut claims they found no evidence of fraudulent charges relating to the payments to XXXX. I asked Revolut to provide the documents used to make this decision as the EFTA Regulation E provides that right to consumers. Revolut has refused to give me these documents stating that goes against " regulation ''. 

I am concerned that Revolut failed to run a proper investigation into my fraudulent claims. I believe the EFTA grants me the right to see how Revolut claims the payments were not fraudulent. I am attaching the four documents below : 1. Debit card transaction list detailing fraud claims 2. Revolut 's initial notice stating my chargeback claims were invalid 3. All communications with Revolut 's customer service refusing to provide me the requested documents 4. Revolut 's response to my formal complaint sent to its headquarters asking for the documents I hope you can see from these documents that Revolut is acting unfairly by not explaining how they think the payments to XXXX are valid and issued by me. I have lost over XXXXXXXX XXXX from fraud and hoping to get any of this back.
Product: Credit reporting or other personal consumer reports

I have been having issues getting my credit report from Transunion. It will not allow me to get it online and when I asked to have it mailed I do not receive it.
Product: Credit reporting

As two of the primary methods for consumers to correct errors to their credit files so that they can conduct the business required of them in order to function in this country, Equifax and XXXX are committed to exacerbating the difficulties involved for consumers in doing so as much as possible in the name of profit. Equifax has a procedure set in place wherein a request has to be submitted through AnnualCreditReport.com to obtain a credit report from the merchant in order for consumers to submit a dispute with Equifax of the information contained in their credit files. If the credit report expires after 10 minutes of inactivity, it is impossible for them to either to use it to make any further updates to their credit files or to request another credit report online. Furthermore, the " WebMail '' form Equifax offers for consumers to make requests to update their credit files will not allow for the full 100 word Personal Statement, as mandated by Federal Law. Meanwhile, XXXX similarly has a feature in place to make it all but impossible for consumers to add a Personal Statement to their credit files online, as I have noticed that the merchant 's webpage for uploading documents ( XXXX ) will only recognize the Tagged Image File ( " .TIFF '' ) and Portable Document ( " .PDF '' ) Formats, but will not permit the uploading of documents which have been converted to the latter format from editable formats such as " .txt '', " .odt '' and " .doc '', and that the only way for consumers to add a Personal Statement to their credit files with the merchant online is to type it out in the space they are required to use for describing or commenting on the files being uploaded ( however, at least one file must be uploaded successfully in order to submit a Personal Statement in this manner ). 

With the economy still undergoing a fragile recovery from the turmoil of the Great Recession, it is unconscionable that Equifax and XXXX would jeopardize that recovery in this manner by exploiting the normal difficulties involved in functioning in a recovering economy by making it is as difficult as possible for consumers to update their credit files in the name of profit. It is particularly disconcerting that both merchants focus these efforts specifically on making it is difficult as possible for consumers to add the Federally mandated Personal Statement of 100 words or less to their credit files, as this would tend to suggest that these difficulties represent collusion against consumers on behalf of businesses.
Product: Checking or savings account

I received a debit card by mail XX/XX/2020 with USBank. I never had or have an account with that bank. I spoke with XXXX by calling the phone number with the card that activates it, explained the problem. She advised they would close the account and I should file a police report ( in process ), file a report with the FTC ( done ) and the Colorado Attorney General ( in process ). She provided some info and apparently the account had my correct social security number, correct home address but incorrect cell phone.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I applied for a car at XXXX XXXX XXXX which caused five hard inquiries extra that I did not give permission for and then XXXX of XXXX I applied for a credit card with XXXX XXXX XXXX  and then I had one extra hard inquiry from Chief Financial without my permission and then I applied for a used car at XXXX XXXX and I had seven extra hard inquiries without my permission that has showed up on my credit report and significantly dropped my credit score
Product: Credit card or prepaid card

XXXX XXXX Credit Card is not explicit in detail of items and dates each items were purchased. Absolutely no explicit detail of which date and time purchases & specific amount. The bill shown really high interest rates, almost monthly or so according to balance I am paying for this XXXX Credit Card. Total Colluded plus several different states the bill sending from could be a " Wilful Concealment toward interest rates charging to collect fraudulent money from me, with different interest rates applied to my credit card bill foremost. So much frauds surface nowadays after 8 years of worthless collusion with Obama administration. We need to get-rid of the XXXX XXXXXXXX XXXX Obama infidel ...
Product: Debt collection

I need validation of debt. 

They are saying this is for debt for " XXXX '' This was a federal program that paid for childcare. 

The only issue is, my child is XXXX. She went to that program when she was XXXX There is no way I owe any of this type of debt. It was a government program more than 13 years ago. 

On top of that, I was never contacted, sent any information and disputes with XXXX XXXX come up as it being valid. 

How is this valid if it was a government paid program from 13 years ago??
Product: Credit reporting or other personal consumer reports

I am writing to inform you about my recent interaction with Experian regarding inaccuracies on my credit report. On XX/XX/XXXX, I contacted Experian concerning incorrect information on my credit report, and to date, they have not responded. I am providing the details of the inaccurate information and the necessary corrections below : Inaccurate Account Information : The following account was never late : Creditor : XXXX XXXX XXXXXXXX Account Number : [ Account Number ] Date Opened : XX/XX/XXXX High Credit : {$320.00} Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Creditor : XXXX XXXX Account Number : [ Account Number ] Date Opened : XX/XX/XXXX High Credit : {$940.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXX Account Number : [ Account Number ] Date Opened : XX/XX/XXXX High Credit : {$150.00} Please remove it from my credit report.
Product: Credit card

I ALWAYS pay my credit card bills IN FULL plus some amount to cover estimated charges between bill issue and payment. Chase VISA does not make interest income off my account except when they can manufacture a " gotcha. '' On XXXX I paid Chase {$7500.00} for XXXX Visa charges. Because I was going on an extended business trip XXXX, I pre-paid my XXXX Visa bill of {$8500.00} on XXXX. The gotcha? Due to " billing cycle policy '' I was charged {$180.00} late fee " because no check was received in XXXX. '' So, after forking over {$16000.00} to Chase Visa in XXXX, {$8500.00} in PRE-PAYMENT, I receive a late charge for XXXX.
Product: Debt collection

Upon randomly checking my credit report I discovered there was an account marked as collections from a company called COAST TO COAST FINANCIAL. I dont know anything about this company and surly never received a letter from them stating that the account will go in collections which would have given me a chance to dispute the account and further investigate the account. There have been two certified letters sent to COAST TO COAST FINANCIAL requesting legal proof that this account belongs to me and both times they have not sent anything. This account is fraudulent and they are breaking federal law. I want the account deleted immediately.