23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts of getting the credit reporting agency to do what's LAWFULLY correct as far as my credit reporting account. They have failed to delete the account. Investigation was not properly done. They pushed back with letters for me to reach out to the furnisher. I made an attempt again a month now as of today and no response. Not only did they not remove the times from my account ; they did not pay me per violation since they refuse to rectify this. Per the FCRA I noticed the credit reporting agency violated these laws as well : 15 U.S. Code 1681i section 602a- I have the right to privacy ( I did not give permission to anyone to place anything on my account 15 U.S. Code 1681i section 604a- I must provide written consent for any accounts. ( The credit reporting agencies as of today has NOT gave me a copy of my consent to do so. ) 15 USC 1681 ( a ) ( 4 ) - Violation 15 USC 1681a. ( e ) - Violation 15 USC 1681b. ( a ) ( 2 ) - Violation 15 USC 1681i. ( 5 ) ( A ) ( i ) - Violation 15 USC 1681a. ( 3 ) Medical information restriction guidelines, which has been violated. 15 USC 1681a. ( c ) 6. A States that I may seek compensation for violation damages. ( I will like to be compensated for these violations immediately or the removal of the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete these accounts off my report as the are incorrect I will also list the late payments that need to be updated off of my consumer report. I demand deletion at once as they are causing damages to my mental health and financial distress. 

DELETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX 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 XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received denial letter on XX/XX/2017. Per the denial letter my credit report and score were pulled by SageStream , LLC. This is a company that Ive never heard of/or has not made services available online to where I can see if the information being reported is true and correct.
Product: Credit reporting or other personal consumer reports

The CBE Group has harassed me for three years, wrongly saying that I owe money, XXXX XXXX to XXXX XXXXXXXX XXXX when I sent the documentation to them with the information that is incorrect. I proved that I do not have two other people living in my Apt . however they have continued to harass me via phone, email and snail mail. I demand it cease because I am not going to ever pay for someone's mistake on a recertification application. More so, the unit is only for one or two people, only. The mistake was from the management person in the Apt . complex, and I asked her to change it multiple times, but it seems she did not do her work. This is a fraud problem and a scam to XXXX XXXXXXXX which I am. Get them off of my back!
Product: Credit card or prepaid card

I got a credit report alert detailing that I had a new account with FEB/Destiny. I called the company and it was in fact an account listed in my name. I have never heard of the company or bank and reiterated this several times to the reps. They informed me that a freeze would be placed on the card and that a team would review it. I asked the rep for the address that the card was shipped to and when the account was opened. I was notified that it was opened on XX/XX/XXXX and the rep would not provide me the address but rather replaced the initial address on the account with mine which i find to be very unethical and unsafe. Rep then back peddled and stated that initially there was no address listed on the account. Asked the company to remove from my credit report and was informed that it could not be removed until after the investigation and me filing an affidavit with the FTC.
Product: Debt collection

A letter demanding proof of an alleged debt owed to XXXX  XXXX ( account Number XXXX ) was submitted to Portfolio Recovery on, or about, XX/XX/XXXX. I later received a generic response indicating that the alleged debt had been " verified '' and was being reported to XXXX. 
Portfolio Recovery reports that this account was opened on XX/XX/XXXX. In fact, Portfolio Recovery is attempting to collect a debt that has long since passed the statute of limitations for collections- that being 7 years. 
Portfolio Recovery did not provide proof of the debt, nor did it provide payment or account histories, as requested. Portfolio Recovery does, however, continue to inaccurately and illegally report this " zombie '' debt as a " fresh '' debt.
Product: Mortgage

Zions is currently reporting negative account and balance information since XX/XX/2014. This account was settled and paid in a short sale back in XX/XX/2014. This acct is reporting in error and needs to be deleted.
Product: Credit card

My phone number XXXX, my credit card number XXXX XXXX XXXX  I trashed the XXXX XXXX credit card months ago. 
Late last year, XXXX, USAA refused to send me my XXXX credit bill. I was told several times they couldn't do this. At the end of XX/XX/XXXX a woman from USAA called me and requested payment of monies. I told her I needed a statement of what I owed. She emailed me my statement immediately and I sent a check off the next day of what I owed. I thought this closed the matter. Several weeks later they sent me another bill.

All problems with this original matter were caused by information kept from me by USAA.

It should be noted that all information sent to you, CFPB, was in excess of what was asked for and their answers were specious. All they had to do was send me my XX/XX/XXXX bill. They refused. 

I trashed the credit card around XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report Chapter XXXX Bankruptcy, XXXX XXXX XXXX, XXXX XXXX  ( Acct XXXX and XXXX ), XXXX XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I see that TransUnion is reporting XXXX XXXX on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, the Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). According to the Fair Credit Reporting Act 15 USC 1681 section 602 a state, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. TransUnion is a consumer reporting agency, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''.
Product: Money transfer, virtual currency, or money service

Over XXXX XXXX dollars was transfered out of my Venmo account in XX/XX/2022 by someone claiming they were me. VENMO never took any action to save guard my account. Just over XXXX in instant transfer and around XXXX in standard transfer was taken. The XXXX instant transfer was returned to my Venmo Balance but is still locked. I can not transfer to my XXXX account which has always been linked. The remaining XXXX standard transfer remains unaccounted for and last time I spoke with Venmo customer service back in XX/XX/2022 and recently this year, they said they were working on it. They told me to email them at XXXX which I have done numerous times. They have never responded. Venmo is acting very irresponsible and I believe this may be an inside job
Product: Credit reporting or other personal consumer reports

I've recently come across some negative charge off accounts on my credit report that I was unaware of, and I find it hard to believe that these accounts were posted without my knowledge. Thus, I'm reaching out, because I need your help in removing these four misleading and incorrect accounts promptly. 

Let me tell you that I never had any outstanding balances on these accounts. Moreso, I never authorized anyone to include these items in my credit report. These entries don't even reflect my current financial status or situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I trust that you can assist me in the removal of these incorrect items and have them corrected right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car lease and a car loan with XXXX XXXX. It was paid on time and in full. My credit score was lowered due to no record of an installment loan or mortgage. The credit agencys information is incorrect since Ive had a lease and loan This does not show on my credit report. I have a notarized letter from XXXX stating I paid in full and on time. The credit agency refuses to accept it from them stating that they did not originally report it to them.
Product: Credit reporting or other personal consumer reports

XXXX is reporting XXXX loan on affirm whit my information I did a dispute they said is verified but never send me my original sign contract i am not liable for this account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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
Product: Debt collection

Bank of America refused to disclose if : they are suing me for an alleged debt if they are, the name of the attorney representing them refused to verify the status of the alleged debt, if it's been charged off and sold, or the actual owner of the alleged debt if it has been, with corresponding dates of transfer of ownership contact information of Bank of America employee/employees that is/are the account manager/managers of alleged debt that is/are responsible for the oversight and review of such account as to ensure accuracy of any and all payments, disputes, and alleged charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : DSNB MACYS XXXX XXXX XXXX XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against JPMorgan Chase Bank regarding their failure to honor a promotional offer for a High-Yield Savings Account, as well as unfair account fees incurred during this process. 

Details of the Issue : On XX/XX/year>, I opened a Chase High-Yield Savings Account under a promotion that promised a {$100.00} bonus for maintaining a balance of {$5000.00} for 90 days. I fully complied with the promotional terms, ensuring that my balance did not drop below {$5000.00} for the required time period. Despite this, as of XX/XX/year>, I have not received the promised bonus. 

To resolve the issue, I reached out to Chase Customer Service and sent a formal letter explaining my concerns. However, I have yet to receive any resolution or even an acknowledgment regarding the delay in receiving the bonus. 

Additionally, while adhering to the savings account requirements, I was unable to transfer funds to maintain the {$1500.00} minimum balance in my Chase Checking Account. This led to monthly maintenance fees being charged in XXXX and XXXX. I requested that Chase refund these fees as a courtesy, but they have not addressed this matter either.
Product: Vehicle loan or lease

I have been reaching out to Ally Financial for financial hardship while my account was current since XX/XX/XXXX. I had explained my financial situation and been declined any support. I would make phone calls a few times a month and email because I was not getting help. My account had became past due XXXX months, but i was still making partial payments monthly, I was told to keep making my partial payments and to call back and see what support I can get qualified for. Each call I made I was told There was nothing available. But I was advised to keep making as much payment as I can, which I continued to do, I made partial payment all the way through beginning of XX/XX/XXXX, and as I was trying to log in and make another partial payment today XX/XX/XXXX, I was declined to do so I called Ally Financial spoke with 2 different representatives XXXX XXXXXXXX who informed me that I will need to make a payment by XX/XX/XXXX, as my account is in jeopardy of being processed as a repo. I asked for an extension to XX/XX/XXXX, which I was denied, I said what other options do I have, she said the car will just be XXXX, I hung up and then called back and spoke with XXXX XXXX, no extension can be given, I was informed that payment need to be received by XX/XX/XXXX by XXXX XXXX standard time and to call Ally back with a confirmation number once payment is processed through with a money gram. If its after XX/XX/XXXX, my account will be transferred over to a repo list and basically my account is auctioned off to repo companies. I said okay, Ill get it paid by XX/XX/XXXX, but by the end of the night on XX/XX/XXXX, a repo man came and took my vehicle. I explained that I just spoken with the bank this afternoon and I was told that if I did not pay my past due by XX/XX/XXXX then my car will be placed in repo but my car is not on the list to be repossessed. He said ally released my account to repo companies. He also said Ally Financial Bank is known to do this With their consumers, they tell the customer something else but release account to repo companies, and that hes repo a lot of cars from Ally Financial Bank. How is it that I continue to reach out every single month, Sometimes 3/4 times a month and Ally stated on their recorded line that I had until the end of XX/XX/XXXX to make a payment of {$940.00} before my account gets auctioned off to repo companies and then the same night my car is repo? XXXX also stated that by XX/XX/XXXX, there maybe a possibility of my account being released to repo companies. But my account was auctioned off XX/XX/XXXX to repo.
Product: Credit reporting or other personal consumer reports

15 U.S. code 1681c-2 A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error. I HAVE ATTACHED MY FTC REPORT # TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION FTC REPORT # XXXX
Product: Credit card or prepaid card

Subject : Complaint Regarding Venmo Credit Card 's Mishandling of Dispute - Unsatisfactory Hotel Experience in XXXX Dear Sir/Madam, I am writing to formally file a complaint against Venmo Credit Card for their mishandling of a dispute I submitted regarding a hotel stay in XXXX, where I experienced extremely poor service. I paid for the hotel using my Venmo Credit Card, and the total amount involved in this incident is {$2300.00}. 

During my stay at the hotel, I faced numerous issues including rude staff and unattended room service requests. I made several phone calls to the hotel management to address these problems, but they were unresponsive and uncooperative in resolving the matter. 

Upon my return, I submitted a dispute with Venmo Credit Card, detailing the entire incident and providing evidence in the form of records of phone call communications with the hotel. Despite my efforts to communicate the severity of the situation and the hotel 's negligence, Venmo Credit Card mishandled my dispute and failed to provide an adequate resolution. 

As a result, I am seeking the assistance of the Consumer Financial Protection Bureau to help me resolve this matter fairly and ensure that I am not financially burdened by the hotel 's misconduct and Venmo Credit Card 's poor handling of my dispute.
Product: Credit reporting or other personal consumer reports

I have submitted letters to them via XXXX XXXX, mail & via XXXX app, I am resending this letter to get validation of the debt and will need a response within 30 days, the only send letters stating that the debt is verified but not how it has been verified or anything
Product: Credit card

XXXX had fraud on my account called Kohls/Capital one reported it, last time was used was XX/XX/year>, received a letter stating takes 60 days to process doenst take that long someone pick up product wasnt me and no sure how they picked it up, called a number of times today XXXX at XXXX XXXX  and same response! In California so no one knows the laws but me. Fraud chard was {$260.00} and getting charged interest.
Product: Credit card or prepaid card

I have a refund processed by Chase Travel on XX/XX/XXXX for {$2500.00}, originally purchased using my Chase Credit Card. Since the purchase and when the refund was processed, I had closed my card account. 

I have been reaching out to Chase Travel and Chase card services since that time to have the refund processed. 

Chase Bank claims they do not have my credit card information on file. I have no way of proving them of my account as my statements were online and Chase Bank removed the access to them from the online website. 

All my responses to Chase Bank only revert back with an automated message saying they are busy right now and the request would take more time.