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

This response addresses ChexSystems reply to my original complaint filed through the CFPB. While I acknowledge your recognition of my FTC Identity Theft Report and affidavit, your insistence on a police report or law enforcement signature as a condition for blocking the disputed tradelines is inconsistent with the Fair Credit Reporting Act ( FCRA ) 1681c-2.

Key Points 1.Legal Framework : FCRA 1681c-2 requires consumer reporting agencies to block fraudulent information within four business days when : A valid identity theft report ( e.g., FTC Identity Theft Report ) is submitted ; Specific fraudulent items are identified ; and Proof of identity is provided.

Nowhere in the statute does it mandate a police report or a law enforcement signature. The FTC Identity Theft Report meets the definition of an identity theft report under FCRA 1681a ( q ) ( 4 ), as confirmed by official FTC guidance. Conditioning compliance on additional documentation imposes an undue burden on identity theft victims, contrary to federal law.

2.Reinvestigation vs. Blocking : While you claim a reinvestigation was conducted, this is not a substitute for the mandatory blocking of fraudulent information under 1681c-2. The law explicitly requires blocking fraudulent data within four business days upon receiving a valid identity theft report. Reinvestigations are separate processes and can not delay or replace this obligation. 
3.Lack of Correspondence : Your response states that multiple letters were sent to me regarding the reinvestigation. However, I have received no such correspondence aside from your reply through the CFPB portal. This discrepancy raises concerns about whether ChexSystems has fulfilled its obligations to provide timely and accurate communication with consumers.

4.Ongoing Harm : ChexSystems failure to act in accordance with 1681c-2 has caused significant harm to my credit standing and approval chances, including emotional distress and financial losses. Despite providing the FTC Identity Theft Report and evidence of my involvement in the XXXX data breach, your delays continue to negatively affect my ability to restore my creditworthiness. In addition to the fraudulent account from XXXX, the following addresses and inquiries have not been removed and remain on my Chexsystems file despite notifying them on several occasions. This is emotionally draining and causing me harm monetarily as well. 
Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is a second complaint to follow up on the Trial Plan Agreement offer dated XXXX/XXXX/XXXX. The first CFBP complaint requested an affordable loan modification and forgiveness of the escrow shortage. The payment offered is higher than all previous payments due the escrow shortage that we feel is a mistake made by Flagstar. This mistake was made when we were approved for XXXX XXXX XXXX program on XXXX/XXXX/XXXX in which the program paid {$23000.00} to Flagstar to get us current. We were told and the approval documents stated that this would get us completely current and stop the foreclosure and cancel the sheriff sale. We continued to make our monthly payments assuming everything was back to normal when we received notice from Flagstar in XXXX XXXX that we were behind in escrow {$10000.00} and our payment would more than double to {$1800.00} per month. 
We have attached a Third Party Authorization for our HUD Housing Counselor.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. 

This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS 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
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.,
Product: Credit card

I canceled the credit cards months ago yet they continued to charge maintenance fees and annual fees. I called several times and emailed my complaint because I don't think that's legal. I believe I first called in XXXX of XXXX because I noticed the maintenance fees was still being charged even though I closed the card. They were basically like there's nothing we can do. Then in XXXX of XXXX, I was charged an annual fee. I called again and was rebuffed. I emailed them on XX/XX/XXXX to say that I was pretty sure what they were doing, continuing to assess fees, was illegal. They're predatory and not helpful. At one point, they also offered a credit increase, and only after I accepted did I see they charged me a fee to increase my credit limit. I wouldn't have done that had I known there was a fee. That was partially why I canceled the cards because I realized they were predatory and not acting in good faith.
Product: Money transfer, virtual currency, or money service

{$230000.00} Tried to wire money from money in account! 

They called next day wire had been stoped! 
All my accounts are closed All credit cards canceled All loans closed All debit cards closed 22 years service No bad checks Paid loans on timel
Product: Credit reporting or other personal consumer reports

Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

AWA Collections is illegally reporting to the credit bureaus. I sent them a 93A Demand notice requesting removal from my credit reports and informing them of MA laws which they were violating via certified mail XX/XX/2019. ( MA General Laws 209 CMR 18.17.Unfair Practices : A debt collector may not use unconscionable means to collect or attempt to collect any debt ... ( 11 ) For a debt collector to report to a consumer agency on its transactions or experiences with a debtor in the debt collector 's name. '' As well as 940 CMR 7.07 : General Unfair or Deceptive Acts or Practices : It shall constitute an unfair or deceptive act to engage in the following practices to collect or attempt to collect any debt : ( 21 ) Reporting to a consumer reporting agency on transactions or experiences with a debtor in a name other than that of the creditor ''. AWA us a debt collector. They are not a creditor. They are not allowed to report to the bureaus. 
They failed to remove this account from my reports or address my correspondence whatsoever. I disputed this account with the credit bureaus. AWA claimed they are not subject to MA laws. 
XX/XX/2019 I sent a second notice. They failed to reply whatsoever.
Product: Credit card or prepaid card

My direct deposit is and still is delayed as of this moment. My bills are past due and I can be put out any moment and have no money for food or to pay my phone bill. This is disgusting and so inconvient!
Product: Debt collection

Please see attached cease and desist letter that was sent to SAVIT COLLECTION AGENCY on XX/XX/year> for them to cease and desist as I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 
1692c ( c ), and demanded that they cease all communication with me regarding this matter, except as allowed by law. I also demanded that they cease and desist any and all collection activity under the law as well. As of date, SAVIT COLLECTION AGENCY continues to report this on my credit report in violation of applicable laws.
Product: Money transfer, virtual currency, or money service

I sent {$31000.00} through wise.com on XX/XX/XXXX. As of today, XX/XX/XXXX, the recipient has not received it. I have been in contact with Wise for more than a week and at first I was told to wait for a few more days. And then a few more. The date that they told me the transfer will be completed reached, and the recipient still hasn't received the money. I told them this and their response was they can try to trace it but they can't guarantee it will be successful and that the process can take weeks. 
I did some research and it appears that this has happened to quite a lot of people. I'm a small business owner and can not afford this magnitude of a loss.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Given this issue, I request a thorough review of the documents Ive provided so that I can have peace of mind moving forward.
Product: Credit reporting or other personal consumer reports

A collection company XXXX XXXX XXXX acting for XXXX XXXX claims a debt is mine and has added an address that I have never lived at as an address on my credit report. As the debt is linked to that address and I have never held any type of residence at that address, and the collection company was the one that had the address added, it stands that the debt is not mine and is somehow being linked to me. I will not initiate discussing with a collection company for which I have absolutely no responsibility. Save for this added to my credit report I have never had any unpaid debts, at best this is an error and or a fraud perpetuated by someone else. I have no documents to upload or include as I have absolutely NO CONNECTION to the issue.
Product: Debt collection

On XX/XX/XXXX i disputed the account because it has a debt that is not correct. i sent over a letter to receivable management services that are collecting for progressive for debt validation. They sent me a paper stating that the policy was effective XX/XX/XXXX and i cancelled it the same day due to the fact that i got a better rate with XXXX. Today i called them to give me a break down on this debt, and they had no information pertaining to this. The representative did state that they do not hold any documents because the of the year of the debt. So the information that they provided to me is not a debt validation of any form. Also she stated that the calls are being monitored and recorded, so she stated that she will see if XXXX can come up with a bill that shows payments. Also stated she said the last payment was in XX/XX/XXXX, but couldn't verify last payment information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXX XXXX Account Name. XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXXXXXX. Account Name. XXXX. Account Name. XXXX XXXX. Account Name. XXXX Account Name. XXXX XXXX 

15 U.S.C 1681 section 602 A. I have the right to privacy 15U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my express written permission.

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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. C 6802. A financial institution may not, directly or indirectly through any affiliate, disclose to a nonaffiliated third party any nonpublic information unless the such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

A account with Avante that I settled with them XXXX XXXX with a payment of {$590.00}, is still showing on my credit report as being unpaid an open, I called Avante several times and they are refusing to take it off my report even thou the bill has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a car loan and was denied because of a lower credit score. I've always paid my bills on time and was surprised and upset to hear this news. I contacted the police and FTC concerning this issue. When I had my credit pulled, I noticed several things that do not belong to me. US DEPT ED,  USDOE/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX.
Product: Debt collection

XXXX XXXX XXXX debt collection efforts have submitted false or deceptive affidavits to state and local courts, in order to fraudulently obtain default judgments against consumer for phantom debts, or debts for which XXXX lack sufficient evidence to properly obtain default judgments. 

In so doing, XXXX violated the FDCPA, the Racketeer Influenced and Corrupt Organizations Act ( RICO ), New York General Business Law 349 ( GBL 349 ), and were unjustly enriched. 

In further, my accounts are business credit card accounts.. Not personal debt. Where does it end. In attempting to file several disputes with the NCRAs, with no clear response or closure, they have resorted to " temporarily suspend '' my online accounts. Smells like retaliation to me.. 

I am now demanding that the NCRAs reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. They have no way to ascertain the legitimacy of my action without investigating the items in question. Not thru an automated response unit with coding & algorithms. 

How low can you go. Obviously I am onto something they don't like. 

Thankfully the CFPB was created in 2008. 

Thank you for your time and consideration to this on going XXXX Consumer problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

On XXXXXXXX XXXX, I presented paperwork to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to address the unauthorized obtaining and use of his information without consent. Since the conclusion of the proceeding, the agency has reported a fraudulent debt, even though there is no contract or obligation of a debt on record.
Product: Debt collection

TRS Recovery Services attempting to collect debt that was the result of fraudulent/identity theft charges that occurred on XX/XX/2024 and XX/XX/2024, totaling {$150.00}. My financial institution reviewed the charges in question, and after deeming that they were the result of fraud/identity theft, refunded the {$150.00}. I provided documentation on this to TRS Recovery Services, however they are still stating that the debt is in an active status and required to be paid.
Product: Checking or savings account

In XXXX of XXXX, my employer wrote me a check for {$5000.00} as a personal loan. I deposited the check into my checking account with Chase Bank on XX/XX/XXXX. Chase never released the funds to me. They claim they need to verify that it's authentic but it's been almost a year and I still do not have the {$5000.00}. My employer called their bank XXXX XXXX  XXXX XXXX XXXX and said that it's Chase 's responsibility since the check was cashed. I will include screenshots of the cashed check. When I asked for the status of the " verification '' they said they are calling the owners of the business. The owner of the company I work for, New Standard Building Materials, never received a phone call. Chase will not release who they are calling. This checking account I had with Chase was receiving bi-weekly payroll amounts from this same checking account with XXXX  XXXX XXXX so I'm not sure how this would be fraud.
Product: Credit reporting or other personal consumer reports

i reached out to Chex Systems about an XXXX XXXX XXXX XXXX account not being mine and they stated that they spoke with them and they verified all the information as accurate. I then mailed ChexSystems a letter stating that when it comes to identity theft of course they will have all my pertinent information but that doesn't prove that it is mine at all. i also explained that I was also involved in the XXXX data breach and all of my personal information has been used in various places. ChexSystems has still refused to remove this XXXX account from my name and information. This account needs to be removed from my reports
Product: Credit reporting, credit repair services, 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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated immediately : 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 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

Ive filed police report, multiple letters and calls, and filed with XXXX XXXX XXXX and FTC about this matter to remove this account from my report and the collection agency is also commuting fraud and violations as to updating account showing payments were made this year in fact defaming my character account by XXXX XXXX XXXX IN XXXX
Product: Credit card or prepaid card

Wellsfargo acct number XXXX XXXX XXXX. This bank has been applied my payments for XX/XX/XXXX to XX/XX/XXXX to the wrong account. I am willing to pay the amounts due and late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with transunion, XXXX  and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting or other personal consumer reports

I am writing to you for the XXXX  time in an attempt to resolve persistent inaccuracies on my transunion credit report. Despite multiple requests for reinvestigation, the responses received have not adequately addressed the discrepancies in question. 

upon reviewing my transunion credit report once again, I discovered that it still does not align with the information provided by XXXX or XXXX or XXXX. This inconsistency is deeply concerning, especially considering Transunion's 's obligation to ensure the accuracy of the data it reports. I've attached a copy of credit report and a complaint letter, Please update these accounts with the correct data or delete from my credit profile asap. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, my rights have been violated and the following companies has information that is not 100 % correct on my report. There are several accounts I have asked the company to investigate every time they come back with the solution the information has been updated. The companies I have disputed has been incorrectly reporting dates since charge off for over two years with a balance. Also, I have sent in information to creditors to validate my debt which hasn't been validated. I have asked XXXX several times to properly investigate this matter as well as send me information to whom they have contacted to investigate. None of this has been done it's been about three to four months now and I still have this information tarnishing my report.