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

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2. Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3. Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 13 accounts on my credit report that do not belong to me they are not mine do not belong to me I have not taken responsibility for these and I should not pay or be held responsible for this. I have opened an FTC for this. 

Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number:XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number:XXXX Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX MO XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I reported the last time a cease and desist request and asked to stop communicating with the credit agency and that was completely ignored and Ive also send a email and been completely ignore I seeking for legal damages at this point of time for violating my rights after Creditor agreed to CFPB & consumer they would cease and desist all communication including reporting to XXXX, XXXX, and TransUnion. Creditor is still communication after a cease and desist. Consumer is requesting information to be deleted immediately for satisfaction if not a suit will be filed for damages and consumer violation rights. Please comply with request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed identity theft report with federal trade commission and mailed copies with notice to furnishers to all three credit bureaus. I have also filed for settlement and found eligible from Equifax data breach in 2017 where my information was compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Product: Checking or savings account

I opened a checking account at 5/3 bank in XXXX Kentucky around XX/XX/XXXX. I am on SSI social security benefits and had originally been using the XXXX XXXX card that was issued by the government handling the finances for my XXXX. upon opening the account I had many questions to compare the fees that will or will not be assessed with my new checking account and all the answers were what i needed to hear. I had asked about atm fee 's and was led to believe there would be none up to a certain amount. I had noticed a few months into said accout that a transaction had taken place from a XXXX XXXX. I called the bank and it was promptly taken care of. I then noticed after an incident with my XXXX credit card payment being returned XX/XX/XXXX I made contact with the bank and was under the impression it was to be handled. I waited patiently and XX/XX/XXXX I called both the bank and XXXX  frustrated and ready for answers. I had never seen any of these mistakes on my 5/3 online statements so I was assuming the error to possibly be XXXX 's fault. upon calling them they made contact with the banking institution whom confirmed that the error was still on 5/3 behalf and i was confused. I called 5/3 again and from this point noticed a lot of things that made me more than confused. I noticed that when I opened my account I was also getting charges from a XXXX account that I have no idea of. letting 5/3 know of my new finding they have been very rude in fact they even went as far as to tell me the loss of my business would be of no regret. I have called numerous time talking to as many agents hoping to resolve this issue without having to change banks. I do not understand y I am being treated like this.the account that are manipulating my banking appears to be online fraud. 5/3 tell me that without a signed paper that I have never received they can not move into investigation. I beg the differ because they have already removed money that was tied to the XXXX issue on my account. I just want resolution. I had 5/3 back in XXXX 's as a small business owner and it was an amazing experience thus the reason I went back to them with my SSI hoping for a similar experience. This is not the case. I feel that because my account does not have the same kind of financial revenue that I am being treated less as a consumer. I can not believe otherwise. I am truely sorry that my income is fixed and my illness is the cause but I am greatly insulted that now I am below poverty level of income that the bank feels its ok to treat me at the level of poverty they feel I deserve. Please help reach out to then for resolution. I have monitored my online statements through the app and there shows nothing about the transactions in question they allowed several of my payments to be approved and then several days and weeks later they are returned as declined. I did not have these issues prior to nbanking with 5/3 they should not occur now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, a XXXX XXXX XXXX was purchased on my way in XXXX  financing the know. We made one payment and figured out that the bike was too small for her and returned it. The firm was supposed to have reported the loan has been paid in full and or closed. To this day they have not canceled. I have also taken the steps to dispute this with Experian and to to no avail nothing has changed. Experian responded back and told me that XXXX  confirmed that {$2800.00} was still owed on the account. This infuriates me seriously as it is affecting my credit score as if I still owe them money which I do not. I am asking that they fix this to zero balance or delete immediately!. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Reference # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This formal complaint is against Equifax. I have disputed with Equifax a few times regarding the inaccuracy of late payments being reported on my consumer credit report. A letter was mailed to Equifax, contacted directly over the phone, and documentation was provided to them. I received your response stating that the late payments on my consumer reported were verified as accurate. Even after Equifax 's reinvestigation, the inaccuracies still appear on my credit report. 

XXXX is in CLEAR violation of the law. Pursuant 15 UC 1681a 2 ( A ) ( i ) and this constitutes to inaccurate reporting. 

Exclusions Except as provided in paragraph ( 3 ), the term consumer report does NOT include : ( A ) Subject to section 1681s-3 of this title, ( i ) Any report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law Clearly States : Transactions between the consumer ( ME ) and the person/company ( XXXX XXXX XXXX XXXX XXXX XXXX ) making the report is NOT INCLUDED on my consumer report. A late payment is a transactional history, My History with the company. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports. 

Equifax ( the consumer reporting agency ) has VIOLATED the FCRA 15USC 1681a 2Ai by reporting these transactions and experiences, reflected as late payments on my consumer report which CONGRESS clearly states IS NOT included on my consumer report.

In accordance with the Fair Credit Reporting Act, Equifax has also violated my following rights : 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 states that consumer reporting agencies can not furnish an account without written instructions 15 USC 1666b timing of payments states a creditor may not treat any payment on a credit card as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts Affected by the Crime XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX WRONG ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

I XXXX XXXX did not sign any contract with XXXX XXXX XXXX and this is fraud. I am the affiant and consumer and I know the this is an alleged debt pursuant to 18 U.S. Code 8 - All debts obligations of the U.S. and its corporations, and the instrument with my signature was the payment for the alleged debt. 

Notice that it is a fact that the affiant has reason to think and does believe that XXXX XXXX XXXX XXXX is a debt collector as defined in 15 U.S.Code 1692a ( 6 ), which includes any creditor who, in the course of collecting his own debts, uses any name other than his own, as shown in Exhibit ( A ), which would indicate that a third party is collecting or attempting to collect such debts by buying, selling, or moving products, services, or money across state borders, or by using interstate commerce or the mails in any business whose primary purpose is the collection of debts, or who regularly collects or attempts to collect debts owed or due or asserted to be owed or due another, or who regularly collects or attempts to collect debts owed or due or asserted. 
Notice, it is a fact, that, I, XXXX XXXX XXXX  XXXX XXXX am aware that XXXX XXXX XXXX XXXX is a debt collector by the legal definition. Pursuant to 15 U.S.Code 1692 ( a ) ( 6 ), a debt collector is any person who uses instrumentality of interstate commerce, such as the mails, in any business which the principal purpose is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. See Exhibit ( A ) Notice that I, as agent for principal XXXX XXXX, am aware that XXXX XXXX XXXX XXXX is a " debt collector '' as defined by the law. A debt collector is defined as anyone who uses an interstate commerce instrument, such as the mails, in any business whose primary purpose is the collection of debts, or who regularly collects or attempts to collect debts owed or due or asserted to be owed or due another, according to 15 U.S.Code 1692 ( a ) ( 6 ). Check out the exhibit ( A ) It is a truth, and the affiant is aware of it, that you can not practice law and collect a debt at the same time without being a debt collector. This is a breach of 15 USC 1692e ( XXXX ), and I, the affiant, do not wish to talk with this third party because they were not involved in the initial transaction, and I do not consent to this third party being involved in my affairs. This third party 's testimony or representation would and will be regarded hearsay.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$7100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

nam e resurgance legal group LLC,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ILL, Re subject CC account number   #  XXXX ,  ref #  XXXX  to whom this  XXXX  concern ; I would like to make arrangements to settle the above referenced matter please provide me with the statement of amount owing of  XXXX  I prefer a " true bill '' but will accept a statement [ by  XXXX   XXXX  ] together with your assurance that you will accept payment in direct and immediate exchange for the for the original instrument of indebtedness in its original form.   please be advised you are also in violation of information breach, as i will provide the app licable law [ s ] in my nex t complaint thank you very much,  XXXX   XXXX
Product: Mortgage

Please see authorization for me to get the funds returned to the client XXXX XXXX. XXXX XXXX paid off the lien but as his payment was on automatic payment it continued to pay the lien. Chase kept accepting the payment even thought the lien was paid off! They relieved over {$75000.00} dollars in payments after the close of escrow. The honest thing would have been for Chase to return the payment and a note explaining that they received payment to a loan that had been paid off but they did not. Instead they used XXXX money for all that time! Enough! Return the money immediately! 
Please demand that Chase send me a check made out to XXXX XXXX XXXX immediately. 
Sincere thanks for your assistance. 
XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I opened an inquiry against XXXX # XXXX XXXX weeks ago. This company while they supposed to answer me about the inquire, they emailed me today stating my credit changed, it looks they ignored the Dispute I filed against CITIBANK VISA for services not rendered for the amount of {$1000.00}. ( CITIBANK VISA it looks lie to the CFPB in their previous responses when I opened at least 7 inquires for the dispute amount of {$1000.00}, The said they will report this account as Disputed In fact, Citibank according with XXXX stated CITIBANK is Flagged this account as past due account and Delinquent and even They added additional Charges to the Dispute Account for a total of {$1100.00}. 
XXXX is aware of the dispute on this account instead to correct it and remove it XXXX made it worst adding even a wrong amount {$1100.00} and Branded the Account as DELINQUENT/POTENTIALLY NEGATIVE. 
I went in its XXXX website to file my concern and demand them to remove this account as delinquent/potentially negative, The same I'm doing here, If they don't remove it then I don't have more option than file a Lawsuit against them and Citibank Visa for reporting a damaging credit report. I'm attaching here the same documentation I did in their website.
Product: Student loan

Navient is the servicer to loans purportedly co-signed by my XXXX  mother. I have delivered all required documents to gain access to the disclosures and loan documents. Ive made repeated calls all to no avail. 

My mother was an XXXX XXXX with minimal education and likely didnt understand what she was signing. That aside, I cant get this company to provide me with the basic documents or explain how they treat the estate of a decedent. 

I have been trying to get this information since XXXX. The added stress of this situation, and the monetary impact are made all the worse as I have to put aside my grieving to deal with this issue for my family. 

Any help would be appreciated.
Product: Mortgage

We sold our home in XXXX, WY on XX/XX/2021. Around early XXXX I called Citizens to get an update on our payment for our remaining escrow balance. I believe that it was approximately {$900.00}. During that call they updated our contact information and said they would send us another check. On XX/XX/2021 I requested an update since we had not received our payment. They messaged us back on XX/XX/2021 saying that they would send us a lost check affidavit. I followed up on XX/XX/2021 because I had yet to receive the lost check affidavit. Citizens responded on XX/XX/2021 saying that the affidavit went out on XX/XX/2021. The affidavit arrived near the end of XXXX and I sent it back to Citizens. As of XX/XX/2021 I have yet to receive the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.