23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA XXXX.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXX.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXXFailure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXX.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXX.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX, XXXX XXXX XXXX & XXXXXXXX XXXXXXXX XXXX XXXX XXXX. 


I request your written response within the timeframe specified by the FCRA. I expect all communications to be conducted in compliance with FCRA regulations.
Product: Debt collection

F.H. Cann and Associates, representing XXXX, falsely claims they have not received a letter dated XX/XX/2019 requesting validation of alleged student loan debt in the amount of {$9800.00}. They are now unfairly attempting to proceed with a wage garnishment as of a letter dated XX/XX/2019, and have not validated the debt as requested. 

As of writing this, I am mailing a second request for validation of debt to F.H. Cann. This is also the 5th request for validation that has been sent to a collections agency in less than 1 year regarding XXXX. The first four were to XXXX XXXX XXXX and the request for validation has never been satisfied. F.H. Cann, XXXX XXXX XXXX and XXXX have demonstrated blatant disregard for the Fair Debt Collection Practices Act and legal action on my behalf is being considered. 

F.H. Cann and Associates XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I see that you verified the account listed below : XXXX XXXX : Account number : XXXX, Not correct. Fix, update or delete the information for date open. 

XXXX XXXX : Account number : XXXX, Not correct. Fix, update or delete the information for date open. 

XXXX | XX/XX/XXXX : Account number : N/A, Not correct. I have no recollection of authorizing this credit pull and I demand this to be removed. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted.

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

due to covid i obtain my credit report and noticed inquiries i did not authorize please remove them from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Equifax to get the results for a dispute that I submitted. I was told that they could no give the information, that I had to send information to verify my identity. 
I asked if there is a problem with my report ( my credit card have been updated since XX/XX/XXXX ). Once again I would have to send information to verify my identity. 
On XX/XX/XXXX I sent my personal the documentation they requested, I asked them to send me copy of my report ( yearly free report ) with the information with my dispute. 
On XXXX XXXX I received the disputes but no credit report. 
On XXXX XXXX I called Equifax, they stated that I have to send information to verify my identity ( I have already sent information to verify my identity ). I asked again if there is a report with my report but I was given no results about the report.
Product: Credit card or prepaid card

My account was closed without no reason. Account was closed XX/XX/22 ( Synchrony/Rooms2Go ) which after calling company, they say it was closed because they monitor credit report. They are saying they are getting information from XXXX but after checking myXXXX credit score, the organization is telling me that my credit score was low. After checking, my credit score was and is XXXX. When trying to explain this, the supervisor proceeds to be very aggressive and vulgar with me and my spouse. We are requesting for this company to be investigated for there practices which we are possibly not the only ones that dealing with this problem.
Product: Vehicle loan or lease

on the date of XX/XX/year> a XXXX loan was opened without my consent. this is id theft. i want all 3 credit bureaus to remove this fraudulent account as soon as possible. thank you
Product: Debt collection

Hello, According to 15 U.S. Code $ 1679c states I have the right to dispute inaccuracy on my credit report. If inaccuracy is found, the credit bureaus must remove inaccurate item on credit file. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C.

1681 ) Consumer may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after the harmful behavior or within five years after the harmful behavior occurs. 

I have been in communication with AARGON agency via email and one of the representative called XXXX promised to send out debt validation and HIPAA authorization to validate debt. Couple weeks later and I received itemized bill which doesnt give breakdown of debt. Its been over 30days and I still havent received no accurate validation to prove this debt was mine. The agency also indicated theres no federal or state law violation, but this is a violation of 15 u.s code 1679c.

I request AARGON agency to Cease communication and quit reporting inaccuracies to my credit report. Failure to abide by this will definitely lead to a lawsuit for inaccuracies and messing up credit report. Attached is said communication with agency which she promised to send out a document which she never send out. Now I tag this as FRAUD and also violation of HIPAA and FCRA ACT
Product: Credit card or prepaid card

The families at the XXXX XXXX XXXX XXXXXXXX gifted me a {$200.00} Vanilla Gift Virtual Account. I then used the card for 2 purchases ( {$27.00} and {$17.00} ), and went to use it for another purchase but was declined due to insufficient funds. I immediately went to the online account and saw that 7 additional purchases had been made that were not mine. I called and reported the fraud, at which time Vanilla froze the card and remaining balance. They told me they would investigate the purchases and try to get the money back, and in 90 days I would get a replacement card with the leftover balance on it. I still have not heard or received any of the balance at this time ( 3-4 months later ).
Product: Credit reporting or other personal consumer reports

So i want to be very clear, i have inquires that have been on my report from the past and a few recently that i did not apply for. I reached out to the bureaus months ago and have yet to receive a reply which makes me feel like i cant get any help when i didnt apply for these accounts which are listed below : 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: Money transfer, virtual currency, or money service

Im filing a complaint against cash app block.Inc. due to inadequate customer service and unfair practices, which violate consumer financial protection act ( CFPA ) specifically, cash out, fail to make timely inefficient measures to prevent and address fraud on their platform, leaving my account vulnerable in unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electric fund transfer act ( EFTA ) in regulation E these actions have significant inconvenience in financial loss and I seek appropriate address for the violation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Experian charged a debit card of mine that they did not have access to. I thought that I was under the free membership and logged in today once I noticed the charge. Before they deleted info not too long ago I was able to view my old card info in their system. Their system had my old card info that has been deactivated so I don't understand how they were able to charge my account. Also, in checking my emails to try to find out what in the world was going on, I found an email from them from XX/XX/2020 ( yesterday ) stating that they tried to charge my old card ( XXXX ) for membership but was not successful because the card was either old or I may have switched banks which confirms that they knew that the card was not active. How in the world did they gain access to my bank account and charge my new card without me providing this information to them? 

My bank has also confirmed that the card ending in XXXX was not active yesterday or today and are not able to explain how they were able to charge me the {$24.00}.
Product: Debt collection

An account for utilities was opened in XXXX for an address in XXXX XXXXXXXX, MO ( I do not, and have not ever lived there or owned/rented property ). The utilities were not paid ( ~ {$800.00} ) and the debt was sent to a debt collector ( XXXX XXXX  ). The debt collector then reported it to XXXX this year, XXXX. I was notified through a credit monitoring service. I have communicated with the utility company, XXXX, as well as the debt collector, and they have opened an investigation. The account was opened using my SSN and first name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under XXXX XXXX XXXX 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

Various items were returned to XXXX XXXX XXXX, vendor, and full refund was received. Retroactive changes occurred affecting my vendor account and my credit card, which shouldn't have affected with my credit card without notifying me. Instead I was not contacted and refunds for some items were reversed. Such refunds that were reversed were listed for both vendor and credit card company as disputed amounts. Credit card company was provided such information but has again remained unresponsive. Timely delivery of a response is still not occurring. I'm not even receiving acknowledgement of complaint within thirty days without filing a complaint or calling to complain.
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. 
XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX : # XXXX, AEPT OF ED/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 XXXXXXXX, 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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 or other personal consumer reports

Nature of Complaint Failure to conduct reasonable investigation of disputed information as required by the Fair Credit Reporting Act ( FCRA ) Description of Issue I am filing this complaint against Experian, Equifax and Transunion for their failure to conduct a reasonable investigation of disputed information on my credit report as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

On XX/XX/year>, I submitted a formal dispute to Experian Equifax and Transunion regarding inaccurate information in my credit report related to Account name XXXX XXXX XXXX Account name XXXX/XXXX, Account name XXXX XXXX XXXX XXXX XXXX I provided detailed information about the inaccuracies and requested a thorough investigation as required by law Here are the tracking numbers via XXXX of my disputes Checking Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Instead of conducting a reasonable investigation, Experian responded with a generic, automated message stating that they " received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. '' This response appears to be a systematic attempt to avoid their legal obligation to investigate disputed items. 

The response I received ( attached to this complaint ) demonstrates that Experian is not fulfilling its obligations under the FCRA for the following reasons : 1. **Failure to conduct reasonable investigation** : Experian has not shown evidence of performing any investigation into my disputed items as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

2. **Automated dismissal of legitimate disputes** : The systemically generated notice I received suggests Experian is using automated systems to dismiss legitimate disputes without proper review, a practice which appears to align with issues identified in the CFPB 's recent lawsuit against Experian.

XXXX. **Mischaracterization of my dispute** : Experian incorrectly claimed my dispute was not authorized by me, despite my having followed their proper dispute procedures. 

4. **Failure to provide results of investigation** : Experian did not provide me with the results of any investigation or take action on the disputed information as required by 15 U.S.C. 1681i ( a ) ( 6 ).

Previous Attempts to Resolve I submitted XXXX dispute letters to Experian on XX/XX/XXXX using certified mail with return receipt. After each submission, I either received no response or automated responses similar to the XXXX attached, indicating no substantive investigation was conducted.
Product: Credit card or prepaid card

Apple & Goldman Sachs have failed to address their mistake that has impacted me. I followed up to dispute a transaction on my credit card. It has taken 6+ tries to get this addressed. This has been going on for months. Initially the attempts I made to follow up would eventually get disrupted by letting me know I was being transferred only to find out they were no longer transferring me. This happened 5 times in a row. I was following up consistently and this process was inefficient. When I finally thought this was addressed Apple  tried to charge me the {$300.00} transaction several months later. There was no given explanation why they moved forward with this. When I tried to follow up they said they emailed me requesting for further evidence, which I gave them on my own accord previously. They said I needed to respond to the email they sent requesting this. I asked for the date the email was sent because I received no such email. They could not provide the date. Now I'm in the process of trying to get this addressed. I asked to speak to a supervisor otherwise to get transferred to the dept. to close my account. They kept stringing me along until I said if I'm not transferred I'll take this as a threat you're holding me hostage as a customer when you can not help me nor do I want to be your customer. I was unable to close the account at this time because they are unable to address the charge that was already settled in XXXX. I informed them this was fraud that they kept trying to charge me for something that was previously addressed. I was told a supervisor would call me today at the latest XXXX XXXX. I have not received a call and have emailed Apple once again. I am unsure of how to proceed because they are passing the buck and are trying to tire me out from following through or something.
Product: Debt collection

Navient continues to call me despite my being current with my min. payments and after I 've asked them not to call.
Product: Checking or savings account

On XX/XX/2020, a levy was placed on to my account after a fax was sent on XX/XX/2020 to release the garnishment and levy. This resulted in my account to be come overdrawn and faced eviction as my rent was pending. If my rent didn't process, I would be homeless with a XXXX XXXX XXXX. Multiple attempts were made between myself and the NC DOR to have the release escalated. On XX/XX/2020, a conference call from the NC DOR with myself to Bank of America 's levy department at XXXX XXXX. On this call it was advised that the release would be escalated and the fees would be waived and to resend the release as I was experiencing a HARDSHIP. 

Today, the bank is acknowledging what was said but refuse to waive the fees as promised. I was lied to about the fees and placed into a position that forced me to be fearful of my XXXX   and I 's housing situation.
Product: Money transfer, virtual currency, or money service

I responded to an ad on XX/XX/XXXXfor an apartment rental in downtown XXXX XXXX for the month of XXXX. I checked the ad with the building website and all the pictures and descriptions matched the company website. I signed the lease and wired the money for {$3100.00}. When I went to pick up the keys there was no apartment. I talked the building manager and he told me that no such apartment was for rent in that building. I then tried to get my money back but no luck. I worked with my bank XXXX XXXX XXXX, chase bank and the XXXX XXXX police department Case # XXXX officer XXXX XXXX XXXX. 

I was told chase can not send the money back without a police judgement
Product: Checking or savings account

On XX/XX/XXXX I lost my debit card with my belongings in XXXX while I was traveling and someone charged my card for a ticket XXXX XXXX ( Not Me ), the amounts of XXXX $ and XXXX XXXX I did call easy jet to complain the transactions were not made by the owner ( me ) and also my bank Huntington on XX/XX/XXXX. It has been over a month and nothing has been done. When I called my bank they said I was the parson use it. Which is a False because I didnt even fly with XXXX XXXX
Product: Debt collection

I attended XXXX university back in XXXX ; I only attended the college for a week. The policy stated that if you withdraw from the college the first week, then the balance owed Is XXXX. about two years after withdrawing from the institution, I received a bill from Ability recovery services for XXXX dollars. I reached out to them about the debt I tried to dispute the debt with an account representative, they argued with me about the debt and refused to help me. I then reached out to XXXX University for help ; they told me there was nothing they could do. I would have to contact the collection agency. This year I submitted a dispute to the collection agency once again ; they took {$5.00} off the bill when the balance should be XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

TRANSUNION Collection : XXXX Balance Owed : {$2100.00} XXXX IN Balance Owed : {$100.00} XXXX 'S XXXX Balance Owed : {$110.00} XXXX 'S XXXX Balance Owed : {$110.00} XXXX  Balance Owed : {$0.00} XXXX Collection : XXXX  Balance Owed : {$2100.00} XXXX  Balance Owed : {$0.00} Inquiries : XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX Collection : XXXX  Balance Owed : {$0.00}