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 XXXX 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. 
XXXXXXXX XXXX XXXXXXXX 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 : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00} was incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Product: Credit card

A hotel refunded a credit card account I had already canceled ending with XXXX for XXXX XXXX. The hotel assures me the refund went through. I have tried contacting Capital One several times but as of yet have not been able to speak with anyone who has been helpful in the matter. The canceled account has a number of XXXX because I have the XXXX credit card replaced at some point when it was stolen. I have no clue where my refund may be between vendors or with Capital One. It was initiated on XX/XX/2024. 

Attached is an image of the refund sent by the hotel.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft i want all the fraudulant accounts removed and blocked
Product: Credit reporting or other personal consumer reports

n 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.

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

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. 

Account Name : XX/XX/XXXX: Account Number : : Account XXXX Account Name : XXXX XXXX : Account XXXX : XXXX Account Name : XX/XX/XXXX: Account Number : XXXX Account Name : XX/XX/XXXX: Account Number : XXXX Account Name : XXXX XX/XX/XXXXAccount XXXX : XXXX Account Name : XXXX. XX/XX/XXXXXX/XX/XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XX/XX/XXXX: Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XX/XX/XXXXU.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: Debt collection

I owed XXXX {$570.00} back in 2008 which is now off my credit report. This company that calls itself JEFFCAPSYS is trying to get me to pay them for it.
Product: Credit reporting or other personal consumer reports

TransUnion is continuing to ignore the law with regards to reporting fraudulent items. Theyve received Police reports, Identity theft reports, etc and have not followed the LAW and blocked all of these items. 

The items are as follows : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX
Product: Checking or savings account

On XX/XX/XXXX I deposited my tax refund check from XXXX XXXX XXXX XXXX  into my chase account. Chase immediately placed a 7 day hold on the check. Once the 7 day hold was up the funds were available as of XX/XX/XXXX. When trying to send the money owed to a family member via XXXX XXXX, chase declined the payment. XXXX XXXX said contact provider. I reached out to Chase and they stated I needed to go into a branch to verify my identity. While on the way to chase branch I received a notification that a restriction was placed on the account. When I reached chase bank branch I was informed that the account was on restriction pending close and they did not need to provide me with a reason as to why they were closing the account. At this time I was told I would receive a cashiers check for the amount or it would be sent back to XXXX XXXX. On XX/XX/XXXX I logged into chase.com my account and saw there was a pending debit dda check charge in the amount of the checks I deposited which was {$10000.00} and another amount of {$43.00}. I contacted chase on today XX/XX/XXXX they advised me they were sending a check of {$43.00} and are able to hold the {$10000.00} for up to 2 years. Chase states they were unable to verify the check even though the phone number to verify the check is on the bottom of the check. I've contacted XXXX XXXX XXXX XXXX  personally and they stated the funds were cleared and I would need to contact my bank which is JP Morgan Chase. I can send over any documents needed to verify my identity or proof of address. This was also offered to the bank at this moment and nothing was done. I have my tax transcript and my full tax refund documents stating those funds were valid for me to receive.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed any inaccuracies causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, 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. 

Account name : 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 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: Mortgage

Charged a late fee on my mortgage payment erroneously. check was cashed on XXXX, late fees payable after XXXX and yet bank charged me a late fee.
Product: Checking or savings account

Hello, my name is XXXX XXXX, I have an account with the Citizens bank. I get my salary as XXXX XXXX every 2 weeks for the past 2 years. The bank used to release my money on the 2 nd business day after it had been deposited. Lately they started holding my money for 8 to 10 days, even though there is money on the company account, I have checked with the Payroll lady. My bank account number is : XXXX This is my 3 rd check that is being held. I have to pay bills and I can't because they keep doing it. Please help if you can. 

Thank you.
Product: Money transfer, virtual currency, or money service

XXXX paypal held my money from am XXXX  sale. Finally got the hold lifted verified my identity and then they locked me down can't send money can't withdraw can't add nothing this has been 5 days now. Also they have XXXX still being held I can not access. They just keep saying that I failed a security check. Which is XXXX. Can't get any help they continuously say wait 48 hours and I do then get told the same thing again XX/XX/2019
Product: Debt collection

I noticed a debt on my credit report from EOS. Collections company. They claim I owe a debt of XXXX..from a service for which I orginally cancelled my XXXX account at the address if XXXX XXXX XXXX. It was paid in full and I returned the Equipment. They are stating the debt is from XXXX XX/XX/XXXX. I did not reside there at the time. I moved to XXXX XXXX XXXX in XX/XX/XXXX. 
I tried to explain all this to them..but they still were trying to get some money. I told them..why should I pay for a debt..that is not mine. I did not live at that residence. during the time period they claimed. 
I hope to get this resolved and removed from my record..and credit reports. I did live at XXXX XXXX XXXX.for 19 years..the home was in foreclosure from XXXX till the time I moved out in XX/XX/XXXX. But my XXXX account was paid in full. I was not there during the times they claim I owed the bill. Which was XXXX..to XXXX XXXX..the house was empty. 
I was residing at XXXX XXXX at the times claimed debt they stated. Please help me resolve this.
Product: Debt collection

There is a collection debt on my credit report from ARS Account Resolutions for a medical visit in the amount of XXXX. This account was supposedly opened by me on XX/XX/2021. I know for a fact I did not go to an emergency room at all in XXXX!! I never received any communication from this company about said debt proving the validity of this account. I also called my insurance company that I have through my employer and the claims department stated there are no claims filed in the month of XXXX. I have medical insurance, why would I not use it if I had went to a doctor? I disputed this with XXXX, however less than 24 hours after I opened my dispute it was rejected? The very next day after filing my dispute, this company puts the same account on my XXXX report! It had not been there previously. This is not my account! Ars account resolutions has numerous complaints against them and a lot of complaints for putting emergency room visits on consumers accounts when they never visited a hospital. I think that I would know whether or not I visited a doctor 3 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute requesting validation and asked for conformation on how the bankruptcy information was verified. On XX/XX/XXXX I received an email from Equifax stating my dispute was completed. The letter stated they verified the bankruptcy information through there third party vendor XXXX XXXX. I have a letter from XXXX XXXX stating my bankruptcy information was deleted from my report with them. I called Equifax XX/XX/XXXX spoke with a representative and asked how my information was verified with XXXX XXXX when that information was not in their system the rep stated they dont use XXXX XXXX and said they verify through the courts, I then asked if they called the courts, went to the court house and asked for who they verified the information with, the rep stated she cant tell me, I asked for a supervisor, I then spoke with XXXX who state the courts sends them the information electronically I then asked why my letter stated they verified it through XXXX XXXX the supervisor could not explain why he was giving me different information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquires listed on my credit report that I don't know anything about. I just noticed when I accessed my credit report. This was not done by me. I have explained this several times. Please delete this fraud information. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

TransUnion TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting.

Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft. Several years ago my office was broken into and my wallet and passport were stolen. My wallet contained my social security card and my driver 's license. After the theft several accounts were opened in my name without my knowledge or approval. I. I have attached a copy of the police report to this dispute. I have never visited this doctor or received any services from this doctor 's office.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Account name : XXXX XXXX Account number : XXXX This is my SECOND request. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you VERIFIED the above, so that I may follow up. ( Attached is the recent update on the alleged VERIFIED account from Experian ) The entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries.

Additionally, I request documentation, including the periodic statement and tracking number, to prove that each periodic statement was delivered to me at least 21 days before the payment due date, as mandated by 15 U.S. Code 1666b.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is continuing to report inaccurate information on my consumer report without my consent. I do not know who US DEPT OF ED/XXXX is nor do I have a student loan with them. I have requested they remove this inaccurate account from my report. They said after reinvestigating that it came back verified and accurate. I am requesting the method of verification because I, the consumer, do not validate this account nor know who this company is. Fix this issue or you will be held civilly liable for committing fraud by advertising inaccurate account information on my consumer report without my consent which directly impairs my ability to apply for credit.
Product: Checking or savings account

HI Starting this as new complaint but I believe it ties in with my initial complaint still in progress. 
I have reason to believe my bank is trolling my account based on XXXX XXXX  and having just turned XXXX XXXX XXXX XXXX and I must not have the abilities to handle my transactions. 
XXXX XXXX sent me an email about a counter deposit ( s ) now turned debit. Though transpired days apart.

Can they be brought upon criminal charges as we are not acquaintances, nor did I leave anyone in charge of personal banking issue and I am sure the bank itself has more than 3 employees to settle the daily transactions, as this branch holds only three employees when I go in. ( please read attached email ) I made some deposits as I was monitoring my debtors habits myself so I would make my cash deposits to make sure daily activities would post as paid. Hopefully you understand that. Also because of the unknown debits by XXXX, and protect web as cited in my previous complaint. They both have the same non working contact number, et having reported it to my bank for investigation, I receive an email an debit to my recent deposits. 
I just seems extra attention and criminal to my account. Debit a deposit?? I've never caught that ... plus an email? 
Thanks for your help. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

I was charged for a service I did not receive in my Citi MasterCard by XXXXXXXX XXXX XXXX XXXX in the amount of XXXX on XX/XX/21 of which I was never given a receipt. I complained to XXXX XXXX XXXX XXXX but they only credited me a portion of that amount and not the full amount. The pending amount was XXXX. I then complained to Citi and there was much confusion given their disputes operate in XXXX and there is a language barrier. They have notified me that I would not be responsible for services not rendered then state I must pay the XXXX. Citi has closed and reopened this dispute multiple times going back and forth with me and the vendor who has violated visa and MasterCard rules with making fraudulent statements of services not rendered and products never ordered by XXXX. Citi after 4 months is now saying I will be charged for the portion the vendor has refused to refund my account ( XXXX ). When in fact I never received any services or products nor have I received a receipt for the charge youngs water and sewer placed on my credit card. I provided all documentation to Citi including the false claims evidence. I never received the final details from Citi as to their investigation and how they arrived at their conclusion given the evidence I provided. Other than the dispute rep stating that the merchant and merchant refuses to refund me the full amount.