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 XXXXFailure 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. 
XXXXFailure 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 XXXX 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. 
XXXXFailure 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 ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. 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 : XXXXConduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
XXXXProvide a comprehensive written explanation detailing your investigation process and results. 
XXXXPermanently 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, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. This account was charged off on the following dates : XX/XX/XXXX and XX/XX/XXXX. Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should NOT include an active payments history. This inaccurate information falsely manipulates the states of limitations of Fair Credit Reporting Act. Its is my understanding that you reinvestigate this account properly and see its violated my rights. I am demanding a deletion of the following account : XXXX XXXX  and # XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with XXXX, XXXX, and Experian i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( XXXX ) CB could not show me a verified contract but the balances still remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX - Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX XXXX Acct XXXX - reported bal {$380.00} XXXX XXXX XXXX XXXX - Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX -Acct # XXXX - Reported bal {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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

It 's being reported on my XXXX report and is wrong because the bestbuy acc is active under another debtor and is in good standing. I do not owe them any money and they should remove that information from my credit report. There were the ones who lost the XXXX acc not me
Product: Checking or savings account

Chase has been holding {$50000.00} of mine " XXXX  '' since XX/XX/XXXX. 

On XX/XX/XXXX, I submitted a wire transfer in the amount of {$50000.00} from my newly opened business checking account ( XXXX XXXX XXXX ) It was being sent to a recipient I had already sent to before from my personal account. The money was taken from my account immediately, but the wire WAS NEVER SENT. ( screenshot attached ) I then received a message from their " secure messaging center '', because it is impossible to speak with a human being regarding this. The message asked for more information, specifically the birthdate of the recipient. I responded with the correct information. 

3 days later I received a response asking for the same information. I responded with the correct information. I received no response. 

At this point I became very concerned with the safety of using Chase for global transfers and asked for the wire to be canceled. I also enlisted the help of my local branch manager who have been spending hours trying to help. It is impossible to effectively communicate with Chase online or on phone. 

FINALLY after requesting over 30 times, the wire was canceled/rejected on Thursday XX/XX/XXXX. I received an email from Chase saying the wire was cancelled " due to a processing issue '' ( screenshot attached XXXX Though the money was taken from my account, it was never sent to anyone, so Chase still has the money. This has been confirmed by the branch manager. 

It has been a week now since the wire was canceled, and they still have not returned my {$50000.00} to me. They have been impossible to communicate with. 

They assigned the case to the executive office where I spoke with someone named XXXX. He was not helpful and did not ask me a single question. He did not reassure me in any way and was generally dismissive. He gave me no clear timeline and as not returned my calls. He said he has until XX/XX/XXXX to respond to a complaint. 

He could not explain to my why the money was taken from y account, the wire was canceled and the money wasn't returned. 

This whole situation seems highly unethical, if not criminal. 
I'm going to default on my tax obligations and other debts without this money. 

The branch managers of Chase have been trying to help me and have made me very concerned. They are are unable to get information, and have eroded my trust in Chase.
Product: Mortgage

I had damages to my home and my insurance co sent a check for the repairs but had my name and my mortgage company name ( XXXX XXXX XXXX ). The check was sent to mortgage company on XX/XX/XXXX. No one called me from the mortgage company until I heard from the contract and we reached out to the mortgage company on XX/XX/XXXX and was told to email the documents over. I called back the next day and was told they never got it and to fax it over er XXXX. Never heard anything back so I called on XX/XX/XXXX and spoke with XXXX and she said they never got the forms ( W9 and insurance estimates and apologize and asked that i fax it to her. She said that she would get the check escalated and overnighted to contracted on that Monday XX/XX/XXXX. I waited and waited and the contracted never got the check so I called today XX/XX/XXXX and spoke to XXXX and he said that no other calls have been recorded and the information that I faxed and emailed to get my check endorsed they have and now he is telling me that he has to start the process again. I am an elderly lady and this is killing my nerves. He is also telling me that I have to have an inspection that will take another week or 2 before they release the check. I need HELP. Please call me at XXXX. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX
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 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions
Product: Credit card or prepaid card

This is my second complaint regarding a XXXX purchase I did not make dating several years back. I disputed this purchase with the company and filed a CFPB complaint and the credit has not been applied to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX for method of verification for a bankruptcy they are reporting. I sent a letter XX/XX/2019. I will attach at the end. I called and spoke with a rep and she reassured me they have until XX/XX/XXXX to send me a letter with the information. She told me the investigation team goes to the actual court and request the info. I received a letter in the time being from Missouri courts stating they do not report info to XXXX XXXX nor the bureaus. This is a violation of my rights on all levels. I asked them to remove from my file due to the fact that they can not validate the false information they have sold about me. This is unfair. Please assist me with this complaint. I asked them to send all documents used to verify this info and all methods they used since i have THE RIGHT TO OBTAIN THAT INFO
Product: Credit reporting or other personal consumer reports

Transunion is reporting unauthorized inquiries on my credit report, according to the FDCPA and FCRA, please remove immediately XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error ; I am a consumer under the law, and my information was misused, resulting in some false and not entirely accurate accounts on my credit report. My credit report was used without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
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 XXXXXX/XX/XXXX
Product: Debt collection

Call my place of employment, here is part of the message left on XX/XX/2021 : " Hello, this is Harrison Harris limited. We are debt collectors, please call us at XXXX. Our office is open Monday through Thursday from XXXX, XXXX  to XXXX XXXX  Central standard time Friday from XXXX XXXX  to XXXX XXXX  Central standard time and Saturday from XXXX XXXX  to XXXX XXXX  Central standard time. Thank you. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 I was notified from XXXX XXXX that my XXXX  credit card is showing an increase balance of {$9.00} this is incorrect the balance is XXXX. My score went down 12 points due to this card showing a balance. Ive tried to dispute this with the credit reporting agencys but unsuccessful. Ive never been late on this card and the balance is paid in full.
Product: Mortgage

I have called Wells Fargo in the past about our PMI payments. It was my understanding that we needed to pay a certain amount of our mortgage down. By the time I got them to take off the PMI, we had reached a loan to value ratio of XXXX XXXX. It is my understanding that, by law, the mortgage company is supposed to cancel the PMI aXXXX XXXX XXXX  XXXX. Wells Fargo will not reimburse me or give me credit for all the extra PMI payments I made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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, credit repair services, or other personal consumer reports

XXXX is letting XXXX XXXX, XXXX XXXX Dept of Ed XXXX out false information on my credit report it's been over 30 I have not heard anything from this credit bureau, also whenever my score goes up it never changes it always stays at XXXX XXXX manage to leave my credit score the same nothing ever changes! I can't even log in into my account. I want XXXX to fix my credit profile & let me access my account to monitor what's going on. Also remove the XXXX XXXX XXXX XXXX address on my profile like I requested and this was not taken care of!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a consumer, a natural person. I am demanding notice the CRA 's and the following companies broke the law. 

1. I have been denied credit for a home twice ; because of this my family may be homeless since you refused to remove these items from my credit report.

2. Your are reporting falsely to my credit report that I have been late from the following companies - XXXX XXXX XXXXXXXX XXXX and XXXX, XXXX is reporting me late and there are no such thing as late payments on open ended credit plans. 

3. You have failed to remove these accounts after my previous attempts of communication with your company after my right to privacy ( 15 USC Code 6802 ) has been violated and you have no proof or validation that I was late on any payments. You have also participated in unfair practices by being one sided with the companies and not the consumer.

You have violated my right to privacy and defamation of character by providing me with deceptive forms and reporting negatively to my credit report. I have disputed this account before and nothing was done about it. The company XXXX XXXX, XXXX ( Acct # XXXX sold the debt to XXXX and XXXX and you are falsely reporting this on my credit report since this account has been charged off and there is still an balance on my report. 

I have attached the following files for your review pertaining to this compaint showing that I have been denied for credit for a home through XXXX XXXX XXXX. Also I have attached XXXX still being on my credit report after they charged it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account number XXXX, The Bureaus Account number XXXX, XXXX XXXX XXXX Account number 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 602 A. section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
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 XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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