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 TransUnion 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. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX ; XXXX reserve all of my unalienable rights forever and always. I never had a XXXX XXXX account of any kind. XXXX XXXX is saying that I do. My identity was stolen and an account opened in my name without my knowledge or consent.XXXX XXXX does not have my consent to report any of my private information with any person or any company. XXXX XXXX may only communicate with me in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened : XX/XX/2015 Balance : {$1700.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$42000.00}, XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$9800.00}.
Product: Credit reporting or other personal consumer reports

I am writing this request to dispute the payment history on my file that is erroneously harming my report. It shows multiple late payments which I do not remember that i have paid late. 

The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX Balance : {$410.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX  XXXX Balance : {$10000.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$620.00} - This Account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.
Product: Credit reporting or other personal consumer reports

I have made an identitytheft.gov report based on multiple fraudulent accounts appearing on my Transunion credit report. I was involved in the XXXX data breach, so I feel like my identity was vulnerable to identity fraud and it started all of this happening to my credit profile. 


[ XXXX  XXXX - XXXX -Opened XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXX -Opened XXXX XXXX ] [ XXXX - XXXXOpened XXXX XXXX XXXX ] [ XXXX - XXXX - Opened XXXX. XXXX ] [ XXXX XXXX - XXXX - Opened XXXX. XXXX ] [ XXXX XXXX XXXXXXXX - XXXX - Opened XXXX XXXX ] [ XXXX XXXX  - XXXX - Opened XX/XX/XXXX ] [ XXXX - XXXX - Opened XXXX XXXX ] [ XXXX XXXX XXXX XXXXXXXX - Opened XXXX. XXXX ] [ XXXX - XXXX - Opened XXXX XXXX ] [ XXXX XXXX - XXXX - Opened XXXX. XXXX ] [ XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX ] [ XXXX XXXX - XXXX - Opened XXXX. XXXX ] I am attaching my original Tranunion letter that was sent a few weeks ago. In it includes some of the inaccuracies on each of the accounts. All three bureaus are supposed to match 100 %, which they failed to do. I want an investigation to fix every mistake on each account. Some of these accounts are very old and shouldn't be reporting anyways. If they still fail to fix each account so that they are matching the other two bureaus 100 % or delete each of these accounts immediately, then I will have no other choice but to take legal action to correct these violations of my rights. I appreciate your help in this matter and I'm looking forward to hearing back from you. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

XX/XX/XXXX my bankruptcy was discharged after which Loan Depot quit sending me monthly statements even though I did not include my mortgage in the bankruptcy. 

XX/XX/XXXX, I emailed Loan Depot asking them why they quit sending me statements. No reply. 

XX/XX/XXXX wrote a letter after I talked to one of their agents who told me to email XXXX and include a copy of my Bankruptcy Discharge which I did. No reply. 

XX/XX/XXXX emailed XXXX with same question and no reply. 

XX/XX/XXXX called twice and the second time an agent told me to email again requesting that my statements be mailed. Of course no reply. 

I have been mailing my monthly statements even though no statement received to a special address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a certified mail letter from XXXX, XXXX, and Experian that proves they received my dispute for XXXX  XXXX  XXXX. They are required by law to remove the negative account because the debt was opened fraudulently Per Section 605 B of the US Code.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a {$1900.00} debt claimed by XXXX XXXX, as I have never engaged in any business with this company. I received a letter demanding payment for a transaction I do not recognize. I request a thorough investigation, documentation of the alleged debt 's legitimacy, and removal of this account from my credit report pending resolution. This collection has caused me to be ineligible for job.
Product: Credit card

Purchased services online from website. Was duped into buying more expensive plan only to learn that it did not give me the services i really needed, told to upgrade a second time. Refused and requested refund. The website never provided these services as advertised. Refund requested multiple times. Management of website did not respond or refund. Many reviews on website stated similar activity. Contacted citibank for purchase protection. Favored other party even though services not provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

File Number : XXXX Dispute Date : XX/XX/2018 Report Date : XX/XX/2018 TransUnion 's reply to my dispute was as following quoted : We investigated the information you disputed and updated : Not specified. TransUnion allegedly re-investigated my dispute without verifying the disputed information with XXXX XXXX XXXX XXXX ( the data provider ). TransUnion failed to comply with 15 U.S. Code 1681i ( a ) ( 2 )  ( A ) before the expiration of the 5-business-day period beginning XX/XX/2018, when they did not provide prompt notification of my dispute to XXXX XXXX XXXX XXXX. As a consequence of TransUnion 's compliance failure to notify XXXX XXXX XXXX XXXX of my dispute, the information that I am disputing is still inaccurate, unverified, and can not be verified until TransUnion reports my dispute to XXXX XXXX XXXX XXXX. TransUnion 's re-investigation of my dispute was unreasonable. TransUnion persists in reporting inaccurate and unverified information for the XXXX XXXX XXXX XXXX account. The inaccurate information being reported by TransUnion has been seen and used by one of my creditors to significantly drop my credit score.
Product: Debt collection

Per Xactus shows this debt as NOT REPORTED in the amount of {$530.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in XXXX, I began sending certified letters to Equifax this year in regards to unauthorized inquiries. I noticed that my mail box was flooded with denial letters for things I had no knowledge of and did not authorize. In my attempts to have the situation resolved, I have received a generic response that the inquiries are of factual record and will remain on file for 2 years. I do n't understand how this information is of factual record when I did not authorize them and are fraudulent. I was informed by a Equifax employee that I was affected by the breach and was told they would dispute the information. However, I received another letter that stated " contact the creditors ''. I am disappointed in Equifax as well as their customer service. This is XXXX company that truly can not be trusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account number XXXX Date : XXXX, XXXX Amount : {$22000.00}, Account number XXXX Date : XXXX XXXX Amount : {$3000.00}, Account number XXXX Date : XX/XX/XXXX Amount : {$2400.00}, Account number : XXXX Date : XXXX Amount {$2100.00}, 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Debt collection

On XX/XX/XXXX, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that S & S RECOVERY, INC., had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/XXXX with a balance of {$2500.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of purchasing a car. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have to be delayed until this illegal account is removed. S & S RECOVERY, INC. XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX
Product: Mortgage

I am a victiim of fraud and illegal activity regarding my mortgage. The fraud includes my mother 's signature being forged on the mortgage and my father being coerced into signing under duress while in the hospital under heavy medication. The fraudulant and illegal activity have continued over 20 years with activities to include ; multiple foreclosue attemps, improper and illegal tranfers and Title, resulting in another foreclosure which is threatning my home at present. I believe my home has been illegally sold without my consent or permission, I believe my Title has been stolen from my family and I have included evidence and documentation to support my claim and I am yet discovering more documentation and evidence. I respecfully request that you look into this matter that I may save my home and be made whole. I am a Veteran with limited resources and I am proud to have served my Country and now I beg my Country 's service to me. Please contact me if you more documents are needed.

Respecfully, I remain. 
XXXX XXXX XXXX :. 
XXXX XXXX XXXX
Product: Mortgage

Have tried to retrieve a final insurance inspection report from HSBC insurance area and they refuse to give me a copy or forward a copy to the insurer. To prove to the insurance company that the first claim was completed 100 % - I ca n't get the new claim processed. It seems like it relates to my property and I should have access to this document. Please help -
Product: Checking or savings account

US BANK Issue Account not closed and available balance not mailed to me On XX/XX/2022 spoke to a supervisor XXXX. I instructed XXXX to close my account and send the available balance to my address. On XX/XX/XXXX, I called the bank and discovered the account was not closed and the available balance was not sent. The customer service person I spoke to informed me that the account was not closed and there was no check mailed to me.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX coast to coast for extended periods of time. I am reliant on autopay for 3 other credit cards, utility bills, and 2 auto loan payments. The only problem I have ever experienced with autopay in 35+ years of consumerism is with my Verizon Visa Card by Synchrony Bank XXXX When I 1st received the card I activated it and set up autopay from my bank debit card like I do for all my financial accounts. After 2-3 months I became aware by logging into my account that my autopay wasn't working. I called Verizon Card and paid the balance. During this call I set up autopay directly through my checking account. Now 2-3 months after I find my autopay is still not active. I have talked to the call center and they tell me I never set up autopay. Then they stated autopay is subject to approval by Verizon Card. They are very condescending. They talk over the customer with corporate rhettoric. They scold the customer after backing them into a corner with their lack of business ethic. After insulting the call center worker they told me the late charge will not be waived. I don't have the time for this. My life revolves around my career so I'm able to pay bills. Not jumping through hoops for my Verizon Card and the entertainment of Synchrony Bank call center workers.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts 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 accounts or information which is found to be opened due to identity theft. The dispute accounts 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 accounts ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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.
Product: Credit card or prepaid card

On XX/XX/XXXX, my mother was issued an XXXX XXXX via Money Network XXXX XXXX ) for the third economic stimulus payment of {$1400.00}. She had no previous financial relationship with XXXX  XXXX  or XXXX. 

She had XXXX XXXX on XX/XX/XXXX, she could not activate the card, and as I was not the cardholder I was not authorized to activate the card, so no one did. 

As my mother 's heir-at-law, I filed a XXXX tax return for her, but IRS would not issue me the refund, saying the funds had been previously distributed to XXXX. 

On XX/XX/XXXX, XXXX acknowledged receiving my request to have the funds returned to the US Treasury, and requested various documents like the death certificate and ID. I sent these on XX/XX/XXXX, following up with a phone call on XX/XX/XXXX, where the representative said that he was putting in another request to have the IRS sweep the funds, but that he could not tell me when it would happen. 

On XX/XX/XXXX I received a reply letter from IRS saying the funds were still at XXXX. I contacted XXXX again and neither the representative nor the supervisor I spoke with would give me a timeframe for when the funds would be returned to the US Treasury. 

XXXX was also unwilling to send me any written confirmation of the receipt of my request to have the {$1400.00} returned to IRS or that my request was in process.