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 XXXX XXXX ( XXXX ) : Reinforced 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. XXXX XXXX ( 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. 

Please remove, block or provide me with your investigation results in written form through the XXXX for this account : XXXXXXXX XXXX XXXX
Product: Mortgage

My mortgage is through Wells Fargo. I have been an excellent customer for approximately 11 years. I am going through a divorce and contacted WF to advise them I was now a single income household. To try to keep from getting behind on my mortgage I made a partial payment in XX/XX/2017 of {$800.00}. To date the funds have not been applied. I have contacted WF several times asking for the money to be applied or returned to me. I was advised that the money would not be returned to me but would be applied at a later date. It has been 3 months and the funds have still not been applied as a payment. I asked if I could send the remaining payment balance in and include the funds being held to make a full payment and I was advised no, that I had to make payment in full but could not use those funds. I made a full payment as requested but the funds have still not been applied.
Product: Credit reporting or other personal consumer reports

Please take this complaint seriously. For months now I have been trying to correct errors on my credit report but my efforts to address these issues have been consistently ignored and it is really insulting. I want to buy a car or a house and start to build my business but these inaccuracies on my report are a big hindrance in achieving that- it's taking a toll on my mental health and financial stability.
Product: Mortgage

Really concerned about how Nationwide Biweekly Administration handled the notification to it 's members about the suspended Biweekly program. For those people ( to inlcude myself ) that does not check their e-mail regularly this has caused a significant financial challenge in having to make XXXX mortgage payments in one month which has put a strain on my financial situation. This is not the way I wanted to start 2016. I truly feel that Nationwide Biweekly Administration Inc. is taking advantage of individuals with their marketing skills and the cost to the consumer for the program which for me was {$3500.00} for them to do something that my mortgage company just agreed to do for nothing. Yes I feel stupid for falling into this trap and will not be so naive in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inquiries on my Transunion credit report. I did not apply for anything in 2022! Must be FRAUD!! I contacted the below creditors dealership to see if they had cameras and they said it was done online and not in person. They have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. There are no accounts associated with these inquiries and I ask for their removal from my credit report. 

I have already filed a complaint and was told to come here. 

Please have these fraudulent unapproved inquiries below removed from my TransUnion credit report as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

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

My social security number isn't showing up on my credit report. Mine ends in XXXX. 
XXXX that ends in XXXX shows up. 
Bank loans, auto loans, mortgage loan, property in XXXX XXXX CA, a name XXXX XXXX, my ex Sister in law, a XXXX  XXXX I can't even access it because I can't answer the questions
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I HAVE A WHOLE LOT THAT I WOULD LIKE TO ACCOMPLISH FOR MY FAMILY AND MYSELF SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Product: Money transfer, virtual currency, or money service

Paypal has denied access to my account with funds in it and has been slow at " closing the account down ''. This has been delayed since early XXXX. It's almost been 2 months and I still do not have access to the funds
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C Section 602 A. States I have the right to privacy.

15 U.S.C Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to obtain a free copy of my credit report. Equifax claims they have " mailed me information, '' which is false. I have made several requests for a FREE copy of my credit report and Equifax has not sent it to me, at any point. It is my FCRA right to obtain a copy and they are in violation.
Product: Debt collection

On XX/XX/year>2025, I received a credit alert of a derogatory remark due to a collection bill posted on my credit report from a company named, Credence Resource Management for {$130.00}. I immediately filed a complaint to the XXXX a complaint with XXXX, and XXXX where the collection was postedXXXX XXXX XXXXeached out to Credence Resource Management ( assuming the report is valid ), and there has been an XXXX XXXX XXXX Invoice created with my first and last name, however, with an invalid address. The address on the XXXX XXXX XXXX Invoice is XXXX XXXX XXXX XXXX XXXX, MI XXXX which I have never heard of or have any association with. The Credence Resource Management has not removed this fraudulent collections from my credit report, and XXXX has declared this fraudulent collections charge as " accurate '' allowing an attempt to collect funds from me, fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 1 item on my report. The notified me that the investigation was complete. I was to go online and get the results. I have not been able to get the information online. When i finally got the number to call they said the had many complaints of the same nature. It has been over a week and still nothing. I am still unable to obtain credit because of a misreporting in equip. I have had credit for 35 years and never never a problem I am at a loss as to what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries as soon as possible : XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX, XXXX Inquired on XX/XX/2021, XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXInquired on XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Inquired on XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

About XXXX weeks ago Navy Federal had taken all my money out my account because of fraud. I didnt know about it until XXXX after when I tried to pay my rent. I called them and told them that I was aware about every transaction before them taking all my money. They have promised and said I would have all my money back by a certain day and still havent received all my funds. Tried to deposit money but they had still took money out and still havent received {$300.00} that I deposited
Product: Checking or savings account

Back on XX/XX/XXXX I filed a dispute with chime bank in regards to two fraudulent transactions amount due to {$680.00} at the time, I informed the representative I informed the representative that I was actively in the police department filing a report. The police department needed the dispute number to include it in the police report. The bank employee blatantly lied on the paperwork saying that no police report was filed I subsequently provided copies of the police report, a written statement explaining the situation and have been denied my refund on three separate occasions due to the fact that the bank is refusing to file the paperwork properly or acknowledged the police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Debt collection

I get repeat calls and voice mails from credit acceptance, I defaulted on a loan and they have had two repossession companies call about the vehicle and were told by me to come and get the vehicle on both occasions, no one ever showed up, now credit acceptance will not stop calling me very several different 8 different phone numbers, I know its them because most of the time they leave a recorded message stating who they are, I get 10- 15 calls and voicemails a day 7 days a week from them, Its a little rediculous, especially after not picking up the vehicle on two different occasions
Product: Debt collection

i have recently checked my credit file and discovered that this company is reporting that I owe the a debt. To my knowledge this company has never provided me any services nor goods
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this Public Record : chapter XXXX bankruptcy XXXX Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 
On record until XX/XX/XXXX if you can not provide me with this informations in 15 days delete this inacurrate Public Record off my credit and send me a copy of my updated credit report. 
I also spoke to the clerk at the US Bankruptcy court and they do not gives information to data furnishers
Product: Credit reporting or other personal consumer reports

XXXX $ XXXX XXXX  POSTED NEGATIVE HISTORY AND MY ACCOUNT FRAUDLENTLY
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased of {$5700.00} of shibainu coin from coinbase pro. It turned out the price was wrong on exchange. And I found Out today it came down to {$500.00}. I am so confused and surprised because coinbase is public company and they don't seem like try to solve issues.
Product: Debt collection

My number is listed on the National Do Not Call Registry. However, I have received XXXX calls from XXXX since XXXX/XXXX/15. They call up to XXXX times a day between XXXX and XXXX This number has several complaints on XXXX. It is identified as a debt collector from Midland Credit Management. This company left a message on my answering machine for a debt pertaining to a person named XXXX. I do not know who that person is, nor how this company got my telephone number, since I have not done business with them or owe them anything. The calls are a nuisance/harrassing. Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently pulled my credit report and noticed several accounts that were listed on my report that i did not authorize or give my permission to be opened. I am a victim of identity theft and I need these accounts and information removed from my report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

loan is mine the late payments are inaccurate and this is a violation of 15 us code 1681i 5 removal of inaccurate/invalidated credit information please remove immediately as its reporting on all 3 angencies inaccorate
Product: Bank account or service

I called Chase bank on XXXX/XXXX/17. Letting the know that an Payroll ACH that was pending from XXXX XXXX for the amount of XXXX has been sent incorrectly and it will need to be sent back to XXXX. I also went into the XXXX Chase Bank location and asked a bank supervisor for freeze on the account until some the second account holder could come in and we get a new account due to fraudulent charges. They stated it was complete and now i see more charges coming out of the account when i requested a freeze and they stated it was completed. They also stated nothing would go in or come out the account until the freeze was lifted from inside the branch. It has been continuous issues with chase and they are failing to fix them.
Product: Credit reporting or other personal consumer reports

I was looking to my credit report noticed that there were hard inquiries that are not mine on there
Product: Credit reporting or other personal consumer reports

Data furnisher 's accounts and inquires listed below, have certified to the Consumer Reporting Agency. Information that is misleading, inaccurate, incomplete, unavailable or a result of fraud and or identity theft. Metro2 compliance violations. Delete these accounts now. 
( XXXX XXXX XXXX XXXX accounts ending XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ), ( XXXXXXXX XXXX acct. ending in XXXX ), ( XXXX XXXX Bank accounts ending in XXXX and XXXX ), ( XXXX XXXX XXXX acct. ending in XXXX ), ( XXXX  XXXX XXXX accounts ending in XXXX and XXXX ), ( XXXX XXXX accounts ending in XXXX, XXXX and XXXX ). 
Areas of these data furnishers reporting effected by this : Original Creditor Name, Creditor Classification, Term Duration, Portfolio Type, ECOA Code, Date of first Delinquency, Date Closed, Special Comments, Actual Monthly Payment, Payment Rating, Charger of Date, Date of last Payment, Payment History, Account Status, Account Type, Credit Limit, Highest Credit, Term Frequency, Segment Identifier, Account Number, Account Identification Number Change, Compliance Code, Consumer Information Indicator, Address, Name, Phone Number, Date of Birth, Social Security Number.
Product: Debt collection

Citizens XXXX has continued to call me daily, for the last few weeks. This week they have called more than seven times, which is becoming predatory at this point.
Product: Payday loan, title loan, or personal loan

Loan officer over the phone stated that I did meet their standards to qualify for loan through their credit committee. That I needed to have money in order to borrower money was her words. Credit is over 790, on the job for 17 years no missed payments or issues with my creditors. Words used in describing her reason for verbally denying the application prior to it being submitted. She stated that I did not meet the standards for them to do my loan. I have more money in retirement account and savings than what I was applying for. This type of impact should not be allowed! Is this because I am an XXXX American male! She never asked me about my other savings accounts or retirement accounts. She just kept stating I did not meet their standards. What standards are you referring to that I am not wealthy enough to obtain a loan with your company? Openly overt thinking and impact on my integrity as a person was uncalled for. How is this possible?
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING.

I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNT : XXXX XXXX XXXXXXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION.

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED.

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY.

IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS.

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

In accordance with the Fair Credit Reporting Act XXXX XXXX, XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I was a victim of battery, discrimination, and fraud by faculty at the University XXXX Oklahoma XXXX XXXX XXXX XXXX XXXX XXXX at the end of my XXXX year in 2015. Also, XXXX faculty member told me he would wrap me up in a blanket and beat me at some point in the future. According to my Federal Student Loan Master Promissory Notes all of my Federal Student Loans should be immediately discharged when I am a victim of a crime. 

Currently, the XXXX XXXX XXXX XXXX, Great Lakes XXXX XXXX XXXX, has given my XXXXCredit Bureau " bad '' information by saying I am late in making payments on Federal Student Loans. On another note, I can not get a job today, since I have been unemployed for over nine years, preparing to be XXXX in school, and do not have a XXXX to practice as a XXXX.