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 XXXX XXXX XXXX to XXXX 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 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 : 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 XXXXXXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX ( b ) You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating XXXX XXXX XXXX ( b ). This account is closed on XXXX XXXX but they also show being reopened the same date of XXXX XXXX. This is fraudulent and I would like to have it investigated and removed completely from all three credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want credit bureau to include my statement on the report. 

This is my statement : I, XXXX XXXX under oath and penalty of perjury declare that I am a victim of a financial crime. The information about the outstanding balance, late payments and charge offs, though correct is NOT due to my negligence or abuse of credit. All of it is due to cumulative effect of the financial crime against me. I have been and will continue to pursue all legal venues to fight this injustice against me with state, local and federal law enforcement agencies and courts.
Product: Credit reporting or other personal consumer reports

I am exercising my report to have this disputed and investigated as these accounts are being reported wrongfully on my credit file. I should receive {$1000.00} for each incorrect report on my credit file based on the Fair Credit Report Act. I know that FCRA 605B requires us to report any incorrect accounts being reported on a consumer 's report.
Product: Credit reporting

Experian continues to refuse me online access to my annual credit report. For the third consecutive year they have denied my request. My most recent attempt was on XXXX/XXXX/16. I have attached a pdf copy of the refusal.
Product: Credit reporting or other personal consumer reports

I have been trying to access my transunion credit report since XX/XX/year>. The website kept returning error and stating that I can not access my credit report online. I called the customer service number and was told that they are sending my report in XX/XX/year>. I have not received my transunion credit report by mail and I still am not able to access my transunion credit report online. TransUnion is in violation of federal law by not allowing me access to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft/fraud. I have notified the credit bureaus several times that the accounts don't belong to me, I have not in any way received goods or services from any of these companies and have asked for these accounts to be removed immediately from all of my credit reports. Contact was made in XX/XX/2019 for the following accounts : XXXX  XXXX XXXX {$110.00} XXXX XXXX {$1500.00} Acct # XXXX XXXX XXXX {$300.00} Acct # XXXX XXXX XXXX XXXX {$560.00} Acct # XXXX XXXX XXXX {$710.00} Acct # XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have notified the local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.
Product: Debt collection

On XX/XX/2021, I received notice from XXXX that a collection account was added to my credit report from a company that I have never heard from. I never received anything from the original creditor about a debt owed to them and now this company is on my credit report stating that I owe XXXX {$880.00}. XXXX never sent a notice and then the collection agency Caine & Weiner Company Inc. I have no idea who this company is and the fact that they are reporting to my credit report and dropping my score is a big problem for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be fraudulent due to identity theft. The dispute inquiries do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that inquiries are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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
Product: Money transfer, virtual currency, or money service

After 7 years of being a widow I never had any experience about dating I joined the online dating, I met someone his name was XXXX XXXX ( fake or fictitious name ) as he described himself a a XXXX XXXX working in XXXX ( his website ), a contractor who works for many year in XXXX doing the XXXX XXXX XXXX. He described himself as single with a XXXX year old daughter whose resident in XXXX and temporarily lives in XXXX XXXX where he said his office located. 

Fast forward, everything was going smoothly between us a 24/7 communication from texting, calling, emails, was just amazing and incredible, until one day he asked my assistance he told me that he was working in XXXX for few years with the constructions  business and finally the XXXX government emailed him that the payment was ready to issue to him from the XXXX government. He said that it is very safe to send his payment to my account in the US but he needed my assistance to pay to his certificate of issuance from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX for the Clearance of the amount or payment to him. 

As we go along the situation and communication I agreed to do it for him as he promised me that when he come to the US, everything is going to fine in our lives together and will pay me back, so, at the same time he said there are people in the authority to help him in XXXX to start processing the certificates. 

He first requested me to send him money through Money Gram in  XXXX so it would be easy for him to receive it so I did. He told me what to say and do as I never had any experience wiring money to XXXX. The FIRST NAME was XXXX XXXX AMOUNT WAS {$2500.00}, Reference Number # XXXX XX/XX/XXXX. The SECOND NAME was XXXX XXXX amount was {$2500.00} Reference Number # XXXX, XX/XX/XXXX. The THIRD name was the same XXXX XXXX amount was {$2500.00} Reference Number # XXXX, XX/XX/XXXX. 

They have received all the money. after few months of correspondence I finally found out it was ALL SCAMMED AND FRAUD! I WAS DEVASTATED.! ..I reported this scammed to the Police and FBI. I had all the evidence provided when I went to the FBI office. I had all my savings money taken, I was heartbroken, had so many bills to pay and had to find another job to make my ends meet ....
Product: Credit reporting or other personal consumer reports

Porsche Financial Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Validation of Debt and Cease-and-Desist Notification Dear XXXX XXXX XXXX, I am writing to formally request validation of the debt referenced in your recent communications and to demand that you cease all further communications and actions in this matter. 
XXXX. Request for Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ) and in accordance with the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please be advised that merely sending statements is not considered sufficient evidence of the debt in question. I request that you provide a detailed validation of this debt, including but not limited to : The original loan agreement or contract. 
A detailed breakdown of the debt amount, including principal, interest, fees, and any other charges. 
Proof of the current owner of the debt, including any transfers or assignments.

Documentation verifying that you have the legal right to collect this debt.

Please provide this information within 30 days of the date of this letter. Failure to provide adequate validation will result in the cessation of any collection activity and removal of the debt from my credit reports.

2. Cease-and-Desist Notification : Effective immediately, you are hereby instructed to cease and desist from any further communication with me regarding this matter. This includes, but is not limited to, phone calls, letters, and any form of communication. Furthermore, a consumer report is also considered a form of communication. Therefore, I request the immediate deletion of any and all references to this alleged debt from my credit reports. 
3. Potential Costs and Legal Action : Please be advised that if you do not comply with this request, I will consider taking legal action to protect my rights. The costs of litigation and potential damages for harassment and abuse may include : Legal Fees : {$300.00} per hour ( estimated 10 hours ) = {$3000.00} Court Costs : {$500.00} Potential Damages : Varies, but could be substantial depending on the nature of the violation. 
This results in an estimated potential cost of {$3500.00}, not including any additional damages or fees awarded by the court. 
I trust you will handle this matter with the seriousness it deserves. I expect to receive confirmation of your compliance within 15 days of the date of this letter. 
Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/year>, an unauthorized charge of {$520.00} appeared on my Wells Fargo credit card ending in XXXX from a merchant named XXXX XXXX XXXX XXXX XXXX '' I did not make this purchase, nor do I recognize this business. 

Timeline of Events : XX/XX/year> : Unauthorized charge of {$520.00} from " XXXX XXXX XXXX XXXX '' posted to my account. 
XX/XX/year> : I discovered the unauthorized charge and immediately contacted Wells Fargo. 
XX/XX/year> : Wells Fargo issued a credit to my account for the disputed amount. 
XX/XX/year> : I received a letter from Wells Fargo stating that their investigation found no fraud or unauthorized transactions. 
XX/XX/year> : Wells Fargo notified me that the credit previously issued would be reversed. 
Wells Fargo 's Response : Wells Fargo claims that the transaction was authorized because I possess a chip card, implying my physical presence was required for the transaction. 

Insufficient Investigation : Wells Fargo has failed to provide any information about the merchant XXXX XXXX XXXX XXXX XXXX '' including its location or business type. 
Lack of Evidence : Wells Fargo has not provided any evidence to support their claim of authorization, such as a copy of the transaction receipt or any other documentation. I have not received any proof of authorization from Wells Fargo, such as a receipt with my signature. 
My Position : I maintain that the {$520.00} charge from XXXX XXXX XXXX XXXX XXXX '' is unauthorized and fraudulent. I did not make this purchase, nor did I authorize anyone else to do so. I have no knowledge of this business and have not received any goods or services from them.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

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

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the address of XXXX XXXX XXXX XXXX NH On my credit report and continues to break the law by keeping it on my credit report After many disputes through my online account with them and they are not providing information on where they are getting this information from which is required under federal And NH state laws. 

XXXX link proving XXXX XXXX XXXX doesnt exist XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NH XXXX doesnt even exist as an address. Why is this address intentionally put on my credit file when its fraud and doesnt exist? 

Any response from equifax telling me to contact them via phone Is not a legal response. I have a online account with equifax. Any response stating telling me I can do a dispute via online is just retaliation, abuse and an admission to doing fraud and breaking the law. Iv already done many disputes about this address with equifax. 

Consumer financial protection bureau should not be in conflict not be in conflict of interest With any consumer reporting agency including but not limited to equifax, XXXX, XXXX and XXXX. Knowingly refusing to remove information that doesnt exist is a crime. Refusing to provide where information is coming from during investigations is a crime. Refusing to look at evidence that Iv provided with my complaint through the consumer protection bureau means your breaking the law. 

I video tape anything coming in the mail FYI. To prove mail fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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

I am writing to file a formal complaint against Experian, regarding my request to provide the Method of Verification ( MOV ) on ( 2 ) accounts listed on my credit report. After numerous attempts to amicably resolve this matter, Experian has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. 

Enclosed you will find a recap on my communication with Experian, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.
Product: Debt collection

I changed insurance companies to take effect on XX/XX/2021 which included a bundle option for my rent insurance. The agent ( XXXX XXXX ) said I was fully paid for until XX/XX/XXXX and I do not owe any money when I purchase my new vehicle and my new policy. I bought the plan weeks in advance and planned on just keeping my current policy instead of asking for a refund from XXXX XXXX as I transitioned to XXXX. The policies I bought were a minimum of 10 days prior and the emails about canceling my policy was to cancel the ( snapshot ) option and to add a different rental policy. I still have all to now.
Product: Debt collection

Accelerated Financial Solutions, contacted a XXXX year old family member, & told him that his cell phone number was given to them by me as my main contact phone number. XXXX was the contact person. She also told him that she is trying to reach me. This happened on XX/XX/18 at XXXX. I called her back immediately, and she told me that I owed over {$900.00} to a company I've never heard of. I told her that this is a scam & I am going to report you to the FTC, & to my states attorney general office. I then got a call from XXXX & another lady.
Product: Credit reporting

I applied on XXXX XXXX, 2017 for a lease with XXXX, and the application was denied in part on information received from Factor Trust. When I requested a copy of my credit report from Factor Trust, Factor Trust refused to provide me with the report.
Product: Debt collection

On XXXX/XXXX/15 we began to receive phone calls at our home from XXXX XXXX of Debt Recovery Solutions calling for a " XXXX '' XXXX. A message was left on our answering machine stating that if we are not that person/do not know that person to visit their website at : www.drssol.com or call XXXX to remove our number. We could not locate the website, so my husband called the XXXX # and left our phone number asking it be removed. 
On XXXX/XXXX/15 at XXXX & XXXX XXXX. we received the same phone call/message. Again, my husband called the XXXX # and left our phone number asking it to be removed and the calls to stop. 
On XXXX/XXXX/15 at XXXX XXXX. we again received another phone call, same message and once again my husband called the XXXX # and left a message to remove our phone number and to stop calling. 
There is no " XXXX '' XXXX at our home phone number and we do not know a person by that name. 
This is not a live person placing the call from Debt Recovery Solutions, but a recorded message, saying they are debt collectors and attempting to collect a debt.
Product: Payday loan, title loan, personal loan, or advance loan

Account charged off, but I payed the company. Remains on credit report Protection of Nonpublic Personal Information Regarding Charge-Offs ( 15 USC 6801-6802 ) : Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions must implement measures to protect the confidentiality of nonpublic personal information ( 15 USC 6801 ). If an account is charged off, creditors must still maintain the security of your personal data and prevent unauthorized disclosures.

Further, under 15 USC 6802, financial institutions are restricted in sharing your nonpublic personal information with third parties. Before sharing such information, institutions are required to notify you of their privacy practices and provide an opt-out option, unless the sharing is necessary for servicing the account, collections, or other permissible purposes under the GLBA.
Product: Credit reporting or other personal consumer reports

I have filed a FTC report because my credit report shows fraudulent activity. My name is spelled incorrectly and the address listed does not match my current address. There are multiple accounts that do not belong to me listed on my consumer report. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX. I do not have any connections with these data furnishers I have never signed any agreements nor have I given consent for my non public information to be shared. 15 USC 1681i requires accurate information to be furnished and after a full investigation if these items can not be verified they shall be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Transunion are reporting a closed paid account on my credit as closed with a balance. I settled this account and it is closed and paid and needs to be removed because it is negatively impacting my credit score. 

XXXX XXXX XXXX  amount {$450.00}