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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Improper Investigation and Re-Reporting of Hard Inquiries on Experian Credit Report To Whom It May Concern, I am writing to formally dispute the improper handling of hard inquiries that I never authorized. That were incorrectly re-reported on my Experian credit report. These inquiries were previously disputed, removed, and later re-reported without proper notification of the investigation findings, as required by the Fair Credit Reporting Act ( FCRA ). I did not receive the necessary notice of findings within the 30-day period, as stipulated by law. 
The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry scheduled to remain on record until XX/XX/XXXX I am disputing the re-reporting of these inquiries on my credit report due to the following violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( a ) ( 1 ) which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ) which mandates that I be notified of the results of any reinvestigation within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) which states that if information is found to be inaccurate or incomplete, it must be corrected or deleted. 
I request that the Consumer Financial Protection Bureau ( CFPB ) investigate the improper re-reporting of these inquiries and ensure that my rights under the FCRA are upheld. Specifically, I request the following : 1. An investigation into the improper re-reporting of the hard inquiries on my Experian credit report.

2. Confirmation that I will be properly notified of the findings of any reinvestigation within the 30-day period.

3. The correction or removal of any inaccurate or incomplete hard inquiries from my credit report. 
My personal information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX Email Address : XXXX Date of Birth : XX/XX/XXXX Please let me know if additional information or documentation is needed to facilitate your investigation. I appreciate your prompt attention to this matter and look forward to your timely response. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

1. I submitted a wire transfer from my personal bank account at Chase around XXXX on XX/XX/2024 to my business bank at XXXX XXXX  XXXX it got rejected by Chase . In the email notification Chase stated it as their part of security review. 
2. I called chase at XXXX on the same day XX/XX/2024, tried to get verified with them that this wire transfer request was made by me and I would like to confirm all information are correct. During the phone call, I verified my identity and request them to complete the wire transfer for me. Their customer agent said they called me but was directed to my voice messages. However, I never received any phone call from Chase, neither any text messages nor voice messages. Later another customer agent told me the prior agent gave me the wrong information, Chase didn't call me. 
3. I called Chase for another 5 times from XXXX to XXXX on the same day, I emphasized to them that I need this amount of money urgently to pay bills, if the wire transfer is not completed, I would have loss. 
4. Unfortunately Chase just kicked me back and forth from one to another department, saying that it is still under review, and no ETA. They said only the back office are able to review and approve the request for me. I asked them to tell me the contact method of the back office, they said there is no contact info!

5. then I called to cancel the wire transfer request, but they just hang up my phone call.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the inaccurate and inconsistent reporting of my Bank of America account across the credit bureaus. XXXX shows no payment history but lists two 30-day late payments, while XXXX and XXXX each report only one. Additionally, the last activity date is inconsistently reported as XX/XX/year>, XX/XX/year>, and XX/XX/year>. These discrepancies are confusing, do not accurately represent my true payment history, and can not logically coexist. I respectfully request a thorough investigation of these errors and a prompt correction to accurately reflect a " Never Late '' status with consistent reporting of the last activity date across all bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation into the following unknown and unauthorized credit inquiries listed on my Transunion credit report, yet they remain in direct willful and continual violation of the FCRA ( Fair Credit Reporting Act ). 

1 ) XXXX on XXXX/XXXX/XXXX XXXX ) XXXX  XXXX on XXXX/XXXX/XXXX XXXX ) XXXX XXXX on XXXX/XXXX/XXXX Under the FCRA Section 604, please provide the following information : 1 ) Permissable Purpose 2 ) Proof that the consumer initiated the unauthorized inquiry 3 ) Written Authorization Failure to provide the above requested items as evidence that I authorized these inquiries is sufficient grounds for removal of the inquiries from my Transunion credit report. 

Thank You For Your Time.
Product: Vehicle loan or lease

XXXX XXXX XXXX Harley Davidson in XXXX XXXX Florida fraudulently esigned my name on my brother 's motorcycle loan as a co applicant. I did not authorize my signature on ANY loan, in fact, I wasn't even in Florida at the time when this motorcycle was purchased. It is my twin brothers motorcycle. He needed a co signer,  and although his salesman did call me in Nevada to ask if I would co sign, I told that salesman, and I quote " no absolutely not, for one my wife would not allow it, and second his bill collectors in the past were always calling me looking for him for his unpaid loans, and the insufficient checks he gave them ''. I knew his credit history therefore wasn't going to take that risk of destroying my great credit. However, the salesman apparently esigned my name to the loan anyway, and then proceeded to tell my twin brother I agreed to co sign, and that is absolutely a lie. I tried to dispute it with the credit bureaus but they all have refused to remove it from my credit history. This is a blatant XXXX  attempt to sell a motorcycle at any cost. For one I know the law states an individual has to be actually present to esign a document for a loan. Considering I was 2500 miles away in a different city at the time, that would be impossible to do. I didn't even move back to Florida until XX/XX/2019.
Product: Checking or savings account

I tried to link account to XXXX XXXX  to try and receive a loan. I am unable to link my Pnc accounts from Pnc side.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern: XXXXYour company have violated the provisions of section 605B, 623(a)(6), or 615(f),You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reportingYou have refused to fallowed the credit reporting act 605bStating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block; c) XXXX has reason to determine that you obtained possession of goodsThe account #XXXX XXXX  acc#XXXXThe account # XXXX acc#XXXXThe account # XXXX acc# XXXXand those inquired are fraudXXXXInquiry from XX/XX/XXXXMisc.XXXXInquiry from XX/XX/XXXXUtilities & FuelXXXXInquiry from XX/XX/XXXXUtilities & FuelXXXX XXXX XXXXInquiry from XX/XX/XXXXFinanceXXXX XXXXInquiry from XX/XX/XXXXFinanceXXXXInquiry from XX/XX/XXXXMisc.XXXX XXXXInquiry from XX/XX/XXXXAutomotiveXXXX XXXXInquiry from XX/XX/XXXXFinanceXXXX XXXXInquiry from XX/XX/XXXXFinanceXXXX XXXXInquiry from XX/XX/XXXXCredit UnionXXXX XXXXInquiry from XX/XX/XXXXCredit UnionXXXX XXXXInquiry from XX/XX/XXXXCredit UnionXXXX XXXXInquiry from XX/XX/XXXXCredit UnionXXXX XXXXInquiry fromXX/XX/XXXXCredit UnionXXXX XXXXInquiry from XX/XX/XXXXCredit UnionXXXX XXXXInquiry from XX/XX/XXXXCredit UnionXXXX XXXXInquiry from XX/XX/XXXXMisc.XXXX XXXXInquiry from XX/XX/XXXXBankXXXX XXXXInquiry from XX/XX/XXXXBankXXXXInquiry from XX/XX/XXXXFinanceXXXXInquiry from XX/XX/XXXXFinanceXXXXInquiry from XX/XX/XXXXFinanceXXXXInquiry from XX/XX/XXXXFinanceXXXXInquiry fromXX/XX/XXXXFinanceRespond As a victim of identity theft (meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver's license numbers, in order toimpersonate someone else) I have provided relevant information about my Identity Theft Report. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623(a)(6)(A),you must not allowed the furnisher may not continue to report that information to any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. § 1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question The account and those inquired are fraudXXXX XXXX XXXX DOB XXXX SS XXXX 1XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

On Thursday XX/XX/2020 I made a payment via my card to a company that I've been making payments to every week since XXXX! I paid {$65.00} to XXXX of XXXX NY. The transaction was declined with more than enough money in my account and said it was declined for my protection. I contacted the bank via email at least times. Their is a number on the back of the card but they do not answer. Ive recieved a few emails back. Did not state where my money is or when it would returned to me. The 1st email stated that the money was returned to me on XX/XX/XXXX and that is not true. The money is not their still and I need my money back immediately
Product: Debt collection

Southwest Credit Account # XXXX XXXX {$860.00} I keep receiving collection notices from Southwest Credit and I have responded to them in writing letting them know that I do not owe this debt and I have never done business with them or their original creditor XXXX. They have ignored my written response and continue calling me and trying to collect the debt. They have the unverified items listed on my credit report in violation of the Federal law. I have requested validation of this alleged account but all I get is a bill as a validation. I have asked them to provide me with a copy of a contract with my signature obligating me to this debt but they have not been able to do so. This debt has been in dispute since XXXX 2017 which is more than the 30 day dispute period outlined in the FDCPA. I am fully aware of my rights under the Fair Debt Collection Practices Act and will not hesitate to take all legal steps necessary to protect myself. Again I am disputing this debt and I am keeping accurate records of all correspondence including tape recording all phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from Experian, In viewing I notice items that wasn't mine. I notify Experian disputing such inaccurate accounts and names addresses requesting them to be removed. The notice I mailed 605B of the Fair Credit Reporting Act. Along with Affidavit of Residence, Affidavit of Identity Theft. Showing how this inaccurate information is impacting my livelihood. Accounts and names addresses you will find below as being reported on my credit report. 

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 Only on address should be reporting on my credit report. 

XXXX XXXX XXXX. 
XXXX, NC XXXX
Product: Student loan

I was contacted by Ameritech regarding student Loans from XXXX and XXXX XXXX XXXX. XXXX XXXX asked for two monthly payments of XXXX. After I signed an agreement, I didn't feel comfortable with Ameritech and I called to cancel payment and also contacted the credit union. 

Thank you
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against USAA FEDERAL SAVINGS BANK regarding their failure to provide verifiable information to credit reporting agencies, resulting in inaccurate reporting on my credit report. Despite my attempts to dispute the information, USAA FEDERAL SAVINGS BANK has failed to furnish accurate details, thereby adversely affecting my creditworthiness and financial standing. 

On XX/XX/2023, XX/XX/2023, and XX/XX/2023, I mailed a dispute letter to the address listed on my credit report XXXX XXXX XXXX XXXX XXXX TX XXXX, requesting clarification and verification of the information pertaining to USAA FEDERAL SAVINGS BANK. However, to my dismay, the letter was returned to me as undeliverable. This indicates that USAA FEDERAL SAVINGS BANK has provided incorrect or outdated contact information to the credit reporting agencies, making it impossible for consumers like myself to communicate effectively with them. 

Enclosed with this letter, please find a copy of my original dispute letter, along with the returned mail envelope, as evidence of USAA FEDERAL SAVINGS BANK 's failure to furnish accurate information. This demonstrates that USAA FEDERAL SAVINGS BANK is not fulfilling their obligation to provide verifiable information to credit reporting agencies, thereby violating my consumer rights.
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 : XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account number : XXXX XXXX XXXX account number:XXXX account name : XXXX  account number : XXXX account name : XXXX account number : XXXX account name : XXXX  account number : XXXX account name : XXXX XXXX XXXX  account number : XXXX account name : XXXX XXXX  account number : XXXX account name : XXXX XXXX account number : XXXX account name XXXX XXXXXXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXXXXXX account number : XXXX account name : XXXXXXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXXXXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXXc account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX acoount name : XXXX XXXX XXXX account number : 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: Credit card or prepaid card

My credit card stopped working after the company went into bankruptcy. They have not paid rewards for the last month I had the card. The owe me XXXX XXXX. I've reached out to the company but received no response.
Product: Credit card or prepaid card

This is about the middle class tax refund debt card I activated on XXXX I used it on XXXX charge was {$14.00} at XXXX XXXX XXXX then someone had stoked my credit card number and pin # I have the card with me the person that stoked my card number used it XXXX time from XXXX to XXXX XXXX 5 transaction total of {$290.00} in a 7 min at a XXXX gas station in XXXX  gardens than used XXXX XXXX XXXX time XXXX XXXX XXXX XXXX XXXX XXXX CA for {$25.00} then used it on XXXX time XXXX rite aid XXXX XXXX CA for {$5.00} now I never used my card at all these places
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Resurgent Capital keeps sending me letters to pay a debt that is not mine. I had filed a complaint on this site on XXXX, and they responded with a letter on XXXX stating they would not contact me again and had deleted my address. Today ( XXXX ) I received another letter from them with the same tactics.
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 : XXXXXXXX XXXX TransUnion 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 may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 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