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

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Account Dear CFPB, I am writing to follow up on my prior dispute regarding inaccuracies reported on my credit report. Despite my initial dispute, no changes have been made to the reporting of this account, and the erroneous late payments remain uncorrected. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation process within 15 days of receiving a consumers dispute. I am requesting a detailed description of the investigation process conducted for the account in question. 
Account Details : Creditor : XXXX XXXX Account Number : XXXX High Balance : {$430.00} Last Verified : Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Open Payment Status : Current Credit Limit : {$500.00} Payment History : TransUnion XXXX A 30-day late payment inaccurately reported for XXXX. 
XXXX : A XXXX late payment inaccurately reported for XXXX. 
XXXX : A XXXX late payment inaccurately reported for XXXX. 
Reason for Dispute The reported late payments are inaccurate, as I have made all payments on time, in accordance with my agreement. My attached payment records clearly demonstrate that no late payments occurred for this account. Despite my previous dispute, the erroneous reporting has not been rectified, violating the accuracy requirements of the FCRA under 15 USC 1681e ( b ).

Request for Investigation and Supporting Information Description of Investigation : Please provide a detailed description of the procedures followed to investigate my dispute, as required under 15 USC 1681i ( a ) ( 7 ).

Verification Documentation : Include all documentation or records used to verify the alleged late payments.

Proof of Mailing Compliance : Under 15 USC 1666 ( b ), provide reasonable proof that each periodic statement was sent to me no later than 21 days before the payment due date.

Reference to PAANL ( Paid As Agreed Never Late ) The account history should reflect a status of Paid As Agreed Never Late based on my timely payments. In the absence of valid and verifiable proof of late payments, I demand that the credit reporting agencies promptly update the account status to reflect accurate reporting. 
Legal Compliance As per the FCRA, you are required to conduct a fair and reasonable investigation and respond to my dispute within 30 days of receiving this letter. Failure to do so will constitute a direct violation of the FCRA, and I will pursue further action. 
Enclosures Copy of credit report with highlighted inaccuracies.

Payment records proving timely payments. 
Thank you for your prompt attention to this matter. I expect full compliance with the FCRA, Consumer Protection Act, and Truth in Lending Act. I look forward to receiving your response and resolution within the required timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX to report a balance on my credit report that showed over 90 days late and was charged off. After being on hold for over 2 hours and being transferred to multiple people I received a Case # XXXX. 

On XX/XX/XXXX, I called XXXX again to report that the charge still showed on my credit report. After the 3rd person they transferred me to collections and she asked me how I was going to pay the {$2500.00} to clear the account. This is when I realized this was a fraudulent transaction. 

Someone had applied for a XXXX credit card in my name with a very old address. The collections said they would create a fraud action and that I was to find the status by email addressed to XXXX. I did that and the email bounced. I subsequently sent and email to XXXX which is a valid email address. 

To this date I have not received a response and am dreading calling tomorrow and spending hours on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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: Mortgage

Every year for the last 3-4 years I 'd receive a letter from wells Fargo that my mortgage amount was going up because insurance premiums or property taxes were higher but they never did, I just did n't know who to reported it too.
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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. 



I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( XXXX ) : ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

Please remove these 2 incorrect addresses off my credit reports immediately they are fraudulent and do not belong on my reports XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX This erroneous and fraudulent information is severely impacting my credit report and financial standing. I have made multiple attempts to resolve this issue by contacting both the credit bureaus and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX directly. Unfortunately, these efforts have been futile as I was placed on hold for over 2 hours and received no substantive response or resolution. I request your immediate intervention to rectify this matter. The actions of XXXX XXXX XXXX XXXXXXXX and XXXX XXXX violate several federal laws, including : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681** : This law mandates that credit reporting agencies and furnishers of information ensure the accuracy and integrity of the information provided to credit bureaus. The erroneous debt reported by XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX violates this requirement. 2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692** : This law prohibits debt XXXX from using deceptive practices or attempting to collect debts that are not owed. The false claim by XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXXE constitutes a breach of this statute. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX correct their records and remove this incorrect debt from my credit report. Additionally, I seek any remedies available under the law for the distress and inconvenience caused by this situation. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a letter to XXXX with documentation showing the inaccuracies between the 3 bureaus on XXXX XXXX XXXX, XXXX : in XX/XX/XXXX XXXX is Showing 30 days late/ XXXX is showing 60 days late/ TransUnion 30 days late XXXX On XX/XX/XXXX the dispute was opened and on XX/XX/XXXX, my dispute was UPDATED and completed with no changes even pertaining to the payment history only a change to the balance which was not even part of the dispute in question. This is a blatant inaccuracy and I am entitled under the FCRA a COMPLETE and ACCURATE credit report. If XXXX had done a proper investigation which I don't believe that they even did one, they would have seen this. Anyone with eyes can see this. XXXX DID NOT do a PROPER INVESTIGATION which is a FCRA violation I have yet to see the results of their investigation.
Product: Credit card or prepaid card

Had 17 fraudulent charges made to my Chase XXXX XXXX card from XX/XX/XXXX to XX/XX/XXXX for a total of {$1000.00} dollars from a company called XXXX. I cancelled the card and was given a replacement one. Initially they reversed all charges but later reinstated them and told me they were valid charges, which they were not. 

I have never done business with XXXX and never will.
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 account with account # XXXX opened on XX/XX/XXXX and a balance of {$2200.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$98.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX with account # XXXX and a balance of {$310.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX Collection account from XXXX with account # XXXX and a balance of {$2000.00}. The original creditor is XXXX XXXX XXXX XXXX. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$5900.00}. The original creditor is XXXX XXXX XXXX. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$750.00}. The original creditor is XXXX XXXX. 
XXXX account from XXXX with account # XXXX and a balance of {$310.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. 
Collection account from XXXX XXXX  XXXX with account # XXXX and a balance of {$1900.00}. The original creditor is XXXX XXXX XXXX. 


I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Debt collection

I received this mail notice on XX/XX/2020 stating that a debt collecting process was conducted and concluded that I owed {$3600.00} on an account ending in XXXX. I believed that this is a fraudulent account that I did never authorized and need to be investigated and should be resolved before getting any further. According to this letter, there has been a lawsuit filed against me on behalf of Crown Asset Management. Before any of these fraudulent action taken place, I need to get competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage lien opened via refinance in XX/XX/XXXX. I had a chapter XXXX discharged in XX/XX/XXXX that had been open since XXXX. XXXX XXXX had been reporting it as current and open. Speaking with their servicing they said as soon as they received word of the discharge they would begin reporting to the bureaus. On XX/XX/XXXX I sent them a copy of my report as I was purchasing an investment property. I mentioned that although reporting the account as current there was no monthly activity being reported nor was the current balance being updated. I received a letter from XXXX XXXX indicated they had erred and would correct the mistake. In XXXX they reported the loan as closed and subject to a bankruptcy and refuse to correct the error. They sent me a nasty email saying it was not their obligation and the debt was not re-affirmed. Chapter XXXX bankruptcy does not require any re-affirmation of debt only a chapter XXXX does as was also conveyed by the previous servicing manager I had spoken to. The account is open and in good standing and has never been late and I would like such to be reflected on my credit.
Product: Money transfer, virtual currency, or money service

I am missing a {$1700.00} direct deposit to my account. Customer service is not able to assist with problems all they do is give a generic pre scripted response and say they show no pending transaction but I have a receipt of direct deposit that they have received the deposit. Also thousands of people are having the same issue but cashapp denies they have a problem. It is funny that cashapp issues coincided with the bitcoin market are they locking customers out of there money to use it in the bitcoin market
Product: Credit card or prepaid card

Some opened an online account with Bank of America twice in XX/XX/2022. Both times I was told the accounts were closed. I received a credit card in the mail yesterday for being a " valued member ''. I did not authorize this and I do not have an account. Bank of America has given me nothing but the runaround since this fraudulent activity has taken place. They have yet to resolve anything.
Product: Credit card

I opened a Chase/ Amazon card. Chase decided to utilize the main number at my work ( landline ) at a place that I haven't worked at for 15 years, as my personal/primary phone number on my account. I called to rectify and they said they would. I never provided this number and is a huge security issue to my account, not to mention that I have trouble logging in because I need to verify my identity via a text message to this non-mobile number that is NOT MINE. In addition, they are utilizing a home address for me, not by my choice, which I have NOT lived in over 7 years. This is ridiculous and has to be an illegal practice, not to mention that it has cost me a lot of time and frustration. How is it legal for a credit company to utilize a random phone number and a random address to determine my identity?
Product: Checking or savings account

ROBIN HOOD HAS HELD MY FUNDS FOR ALMOST A MONTH WITHOUT EXPLANATION IN WHICH HAS CAUSED SERIOUS CONCERN AS I MAY BE EXPOSED OR VICTIM OF SOMETHING. THIS IS EXTREMLY UNFAIR AND UNETHICAL
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX {$590.00} XX/XX/year> 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I filed a dispute of my credit report due to incorrect information. XXXX has failed to investigate my dispute properly.
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information and refusing to delete the disputed information. I have done four disputes and the reporting agency refuses to delete the inaccurate information. I have also filed a report with the Attorney General and I am requesting mediation and representation services from CFPB
Product: Debt collection

Very aggressive company ( American Express in association with XXXX XXXX ), I am working with a debt relief program through a lawyer and have been advised to have no more contact with debt collectors because they are acting as my power of attorney. After multiple calls to my place of employment ( every day for AT LEAST 2 weeks between XX/XX/XXXX toXX/XX/XXXX ), they have been sternly told by myself and coworkers that they are NOT allowed to call the restaurant any longer. They would call during lunch hour as well. The calls continued. The most recent started with them saying, " XXXX XXXX we know you asked us not to call your work but, ... '', they were again, advised to NEVER call again and that my lawyer would be in contact in regards to the debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed a FTC identity complaint on XX/XX/2020. I submitted the report to EQUIFAX and submitted a cfpb complaint and there are still inquiries that remain that we listed on the report. EQUIFAX has failed to live up to their grave responsibility for accurate reporting. These inquiries are preventing me from renting an apartment for me and my son. My landlord is selling the unit and I need a new place to live. I have also applied for credit and been declined because of the inquiries. EQUIFAX failure to ensure of accurate reporting is causing financial and XXXX harm. I am XXXX out and have been diagnosed with XXXX because I can not provide for my family because EQUIFAX failure at their grave responsibility pursuant to 15 USC 1681a ( 4 ). EQUIFAX are supposed to have procedures in place and have failed. Pursuant to 15 USC 1681C-2, EQUIFAX has the ability to block attempts to remove identity theft information is the consumer benefited. If EQUIFAX is saying that I benefited then please provide a sign affidavit under penalty of perjury for the CEO stating that they have proof that I benefited from the inquiries. Also, pursuant to 15 usc 1681b ( c ) ( 3 ) Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have submitted proper paperwork stating that I don't recognize the listed inquiries and EQUIFAX Is violation of 15 usc 1681b ( c ) ( 3 ). I am not a credit report company, I am the consumer XXXX XXXX. I am an XXXX  of CFPB and these corporations are continually breaking the law and financially, XXXX an XXXXy harm the consumer. The CFPB is in place to regulate these consumer reporting agency and I have put in complaints and still no full results. This is not a dispute. I am demanding these inquires are removed. These corporation are unlawfully furnishing data to the consumer 's report and creating great harm to the consumer. By being an agent of the CFPB, I need the CFPB to do their job and regulate and enforce the laws that EQUIFAX is breaking against me. It is important that the people at CFPB take this seriously and assist me the consumer with invoking my rights. This is a matter of XXXX and XXXX for me. I am being XXXX XXXX, and financially harmed by EQUIFAX. I the consumer invokes my rights the law does not state a police report is needed because there are different types of identity theft. WHen a debt collector purchases a debt, they did not have permission to do so and that is identity theft. Identity theft mean no consent. This not a dispute, this is not a bot, or a credit repair company. I am an XXXX  of the cfpb and I need the CFPB to assist me to invoke my rights. EQUIFAX HAS FAILED ME AS A CONSUMER.
Product: Credit card or prepaid card

I made an online purchase on XX/XX/2019 in the amount of {$350.00} and used my Discover Card issued by XXXX XXXX  ending in XXXX. I waited almost two years and until now still haven't received my order. I had a dispute case opened last XXXX and I closed the case few weeks later because I thought the pre-order item won't be released until XXXX of this year. So, I decided to wait until XXXX to see what will happen. About three weeks ago I found out that the online merchants ( XXXX ) was shut down due to lack of staffing. 
so I called discover card and tried to reopen the dispute case. I mail all the supporting documents but they tell me that wasn't enough. They can't help me. They ask me to give proof of writing from the seller that they won't ship my item or they won't issue me credit. They say my order could be delayed. I told them seller didn't respond to any of my emails since XXXX of this year. They ask me to think out side of the box. I could not believe the way Discover Card handling the issue. Shame on them. People should stay away from Discover. Card.
Product: Debt collection

I am writing to express my concern and frustration regarding your failure to comply with the law by neglecting to remove the remaining fraudulent accounts from my credit report. It is important to note that other bureaus have already completed their investigations and confirmed the absence of any fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX