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

Using my personal identifying information I am able to obtain my credit reports except at TransUnion. The information on their file is not matching what I enter. However, the same information verifies me on the other two bureaus. There is also a misspelling of my name associated with a XXXX XXXX account I have no knowledge of and never received any statements for. Had I received a credit card with the wrong spelling of my first name I would have called the credit card company to correct it. There is no way for me to put a fraud alert on TransUnion and obtain my report from them as I can not create an online account. I can with the other bureaus but TransUnion has information that is not matching my actual personal info.
Product: Debt collection

I order XXXX internet. They installed internet and a phone line. I told them I don't need a phone line and never ordered one. They said they will removed the phone service which they did but a year later I got collection bill from I C SYSTEM INC stating I owe XXXX. I contacted XXXX   about it and was promised they will notify I C SYSTEM INC to stop notification. Notification of collection did stop but it still show up on my credit. every time I called the promise it will be removed but it's still there affecting my credit score
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
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: Credit reporting or other personal consumer reports

I have submitted in writing via usps twice now requesting the removal of fraud/identity theft activites from my credit report. I submitted a copy of my FTC identity theft report in addtion to a copy of my credit report with all fraudlent activites circled, I also included a copy of FCRA regulations giving experian and XXXX 4 days to remove these fraudulent activites. I also included a color copy of my Drivers license and social security card as verification of my identity. with all of this both EXPERIAN AND XXXX refuse to follow federal regulations and refuse to remove these unlawful activities from my credit report. 

the next step is to follow a complaint with the attorney generals office and file civil action against both XXXX and experian. i have done what is required of me under FCRA regulations and at this point i need federal intervention! 

everytime i call experian to get a agent on the phone its always the same excuse " oh im sorry our system is down and we cant not access your file at this time '' experian is up to something unlawful in my opinion and need a investigation into their practices!
Product: Credit card

synchrony bank continues to game with reporting payments made often taking payment on time and confirming recept of payment then denying having recieved payment. synchrony then claims that account is delinquent when it is current and then reports derogatory information to credit reporting agencies. this is a dishonest and harmful business practice. then synchrony claims that account is delinquent and refueses to take the next scheduled payment or provide any agreement to close out the total amount owed to close the issue. everything is a no-win with synchrony bank. every effort to stay current and pay off the debt is snubbed for no productive reason. 100 % hostility and incooperation for the corrupt purpose of charging extra fees and penalties for an account that has been paid in full and on time. synchrony bank is parasitic and criminal in their business practices.
Product: Credit reporting

I told this company yet again as I have been telling them for almost a year that I have pages of inquiries that are not mine. My husbands ex wife at some point ran our credit over and over in an attempt to mess up our credit rating after she was served with child support papers. Since then I have tried to get the reporting agencies to remove these fraudulent inquiries. All other reporting companies have complied except Equifax. Equifax almost cost me being able to get approved for my home we just bought. I am a XXXX and have been for 10 plus years, my husband is XXXX and all we are trying to do is live our life. We pay our bills and I do n't think It is fair that I am penalized for things I did not do. This company refuses to do anything about this. Everytime I file a complaint all they do is send me a paper that says " inquiries are of factual record '' and they ARE NOT because I did not give consent in any way. Verbal, written, implied or otherwise. It 's like these companies just do n't care that they report wrong information
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX2023 XXXX XXXX XX/XX/year>2023 XXXX XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XXXX  XXXX XXXX XX/XX/year>2023 XXXX XXXX/XXXX/2023
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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: Checking or savings account

Chase Bank closed personal checking account alleging unemployment benefit fraud on XXXX. Chase Bank statement states " XXXX XXXX Check '' issued on XXXX in the amount of {$5900.00}. I still have yet to receive this check, and Chase Bank refuses to provide me with an image of it as proof that it exists.
Product: Debt collection

This debt collector send me a letter i immediately call him to dispute the amount in question he promise to send me a prove from XXXX i did not receive any evidence from him. the next thing i saw is a negative report on my credit report over a debt that has not yet been establish and connot be establish this has to do with a phone bill according to him.
Product: Credit reporting or other personal consumer reports

I have on multiple occasion requested Experian updade my personal information to match my XXXX, XXXX and XXXX XXXX. They have over many calls lied and said it is the other credit reportorial agencies. They have ignored drivers license sent in, lease sent in, bill statements sent in. They REFUSE to update my file and continue to month after month prevent me from fixing the errors. When i call they say its the other companies issue. Included is the incorrect names and address within the file. XXXX names and XXXX address non of which are current address lived at past 2 years
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on I C SYSTEM XXXX Balance Owed : {$270.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunioin-I attempted to place a credit freeze on my Transunion account, however they have a list of questions they ask and I did not get them all correct, the system denied me access. Some how I received a letter from them to start a security freeze or lift one. This form asks me for my PIN however I don't remember getting to this part of the process due to answering the question incorrectly which they ask such obscure questions I have no idea what they are talking about. I have had hundreds upon hundreds of creditors and do not have documentation or memory of every single account. It took extensive searching to find a contact number to speak to a representative. The representative asked me 3 security questions again which I know I got 100 % right but was denied help on my account. So I was able to get the correct mailing address and mailed my request to them so hopefully that will work??? How can these companies provide no customer service and not have their facts about me correct? their is no accountability for them, this is rediculous. 

XXXX-The online system lets me complete the input for the request but when I click submit the system says it is timed out, this is crazy as I will have it completed very quickly. You can not get any customer service help at all. This system is as messed up if not more than Transunions. I am going to have write a letter and request help here also. I can't believe the level of XXXX these credit bureaus are allowed to get away with. 

XXXX- The online system lets me complete the input for the request and I get an email confirmation that my credit is unfroze but this is not true because I have had XXXX try to pull credit and it is always locked. You can not get any customer service help at all. I am going to have write a letter and request help here also/again. How can these companies be so horrible at their jobs and how come no one does anything about it?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is reporting incorrectly to Equifax XXXX XXXX and XXXX a charge-off in the amount of {$10000.00} on the XXXX XXXX CR partial account number XXXX. ( Please see page 2 attached from my credit report. ) The vehicle was defective and falls under the Lemon law for the State of California and therefore I am not financially responsible for any of the debt associated with this vehicle. This incorrect reporting of a charge-off is hurting my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$1100.00} XXXX XXXXXXXX {$400.00} XXXX XXXX XXXX {$1400.00} XXXX XXXXXXXX {$5000.00}
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the accounts removed from my file as soon as possible. 
US DEPT ED XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$4700.00} US DEPT ED XXXX Balance Owed : {$3800.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is still not resolved after how many months..Their investigation did not fix XXXX/XXXX   XXXX They said they have verified it but did not give me details on how their investigation went.. They only sent me a paper print out stating the account was verified. This is against the FTC Law and payments were sent timely on this account and was never late..CFPB step up and fix this error
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FDCPA.
Product: Debt collection

I have contact this company about this debt that was inserted into my credit profile I have contact the company asking this company to contact my attorney about this debt this account refuse and is still threatening me and now is currently in litigation. This company threaten for my credit to be rued and this company is single handily worked on destroying my credit and I am asking for help before I processed with legal actions. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Data Breach that is all over the news and internet. My personal information is out for anyone to see. In addition to that a prior situation is that I was not advised nor did I allow the bankruptcy information to be added to my Equifax credit report. 
603 Define adverse action Adverse actions '' include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by Section 603 ( k ) of the FCRA.
Adding a bankruptcy to a consumers report is and should be considered an adverse action due to its negative impact.
604 ( 1 ) ( C ) ( 1 ) Users Must Notify Consumers when adverse actions are taken.
615 ( a ) requires the user to notify the consumer. 
Equifax has not added a line in regards to US Bankruptcy Court of Nevada dispute per section 623 ( a ) ( 3 ) Your bureau has published inaccurate information in my credit report. Stating that US Bankruptcy Court of Nevada was the furnisher of the information. When in fact a third-party XXXX ( information reseller ) is the furnisher of the information. The US Bankruptcy Court of Nevada does not solicit or give information to third party companies ( Proven by Letter ) Your company has also admitted to the use of a third-party company via correspondence. 
Your companys interaction with an information gathering company has also been proven by XXXX. 
XXXX confirms that they retain information mainly from public record on the XXXX company website page About Us. 
The public record from the US Bankruptcy Court of Nevada is also heavily redacted, thus making identification virtually impossible or extremely difficult. 
Definitions : Furnisher A Person or Entity to provide what is necessary for an activity or purpose. 
Identity Theft The fraudulent acquisition and use of a persons private identifying information, usually for financial gain. 

Equifax has failed to respond satisfactory within 30 days on response letter dated XX/XX/2017.

Equifax has repeatedly verified without yielding proof of verification in response letters da

ted XX/XX/2017 & XX/XX/2017. Equifax has failed to reply to letter asking for proof
of owner verification. 

Equifax has failed to sign for the receipt of second letter asking for proof of owner verification. In possible effort to avoid interaction.
Willful noncompliance with FCRA Disputed Accuracy Section 611 Willful noncompliance with FCRA Furnishers Obligations Section 623
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE VARIOUS ACCOUNTS THAT I AM DISPUTING AND THAT ARE REPORTED IN CORRECTLY
Product: Consumer Loan

XXXX XXXX has a program titled " XXXX XXXX XXXX '' that allows XXXX to purchase an XXXX that is financed through Citizens One bank. After 12 months you have the option to trade the phone in for a newer model. This program also includes XXXX protection. Citizens One requires a credit card and sets up for automatic loan payments. 
I purchased an XXXX through this program in XXXX, 2015 and decided to upgrade the phone. I have not missed a single payment to Citizens One nor have I made a late payment. However, Citizens One runs a credit check and declines to finance me. This effectively means that I ca n't take advantage of the benefits of this upgrade program. My credit status has not changed since Citizens One approved the original loan. I believe this an intentional maneuver on the part of Citizens One to increase their profits by forcing me to stay locked into the loan for this phone. This is a deceptive practice and should be investigated.
Product: Credit card or prepaid card

Account was closed apparently because I did not make a payment. XXXX told me that I did not make a payment in XXXX and that the account was closed in XXXX. I double checked my records last payment made was XX/XX/2021 for XXXX dollars. XXXX also mention I had not made a payment for the months of XXXX, XXXX, XXXX of 2021 but the statement was XXXX for those XXXX months. Another thing I can not accces staments for that credit card and Banks are supposed to withhold records for 5 years. Wells Fargo also messed up my credit by closing this account my oldest account. I was a loyal customer but constant mis treatment by the company has led me to file this complaint.
Product: Debt collection

Placed in collection XX/XX/2021 and the asking balance is {$810.00} which i dont even know this company nor did business with them.
Product: Credit card

I received a bill from Citi XXXX XXXX showing a charge for new purchases in the amount of {$870.00}. As I use this card for my solar billing and my automobile insurance only, I could n't understand why it was so high. I also noticed that I was being charged interest in the sum of {$7.00} I immediately called Citi Simplicity and asked why my bill was so high and why was I being charged interest. I was told that I did n't pay my XXXX bill. I explained that the only reason I would't have paid my bill was if I did n't receive it. I told them they could and should check my history and they would see that I paid all my bills on time and in full. They did that and said they would credit back the interest as they saw that I did pay my bills on time and in full. I then paid the XXXX bill in the full amount of {$870.00} which was received on XXXX/XXXX/16. I have now received my XXXX bill and not only have I been charged interest on XXXX/XXXX/16 but my purchases total {$460.00} and it shows the New Balance as {$460.00}. I called and spoke with XXXX in Florida to see why I was being charged interest and why they added {$.00} to my bill. XXXX said that they charge 2 months interest, 1 month when they did n't receive payment and a second months for the carry over. I attempted to explain to XXXX that I should n't be charged interest as I should n't have been charged interest in the first place as I never received the bill. When I could n't get through to him, I requested to speak with a Supervisor. He told me that there were none available. He would fill out a form to have a Supervisor call me back but I have yet to hear from anyone. However he never attempted to explain why they were charging me an additional {$.00}. Maybe I 'm wrong but adding {$.00} to my bill would seem illegal or fraudulent to me.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the company made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiry was made. 

XXXX XXXX