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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau Complaint ID : XXXX Subject : Formal Complaint Against XXXX and Portfolio Recovery Associates for FCRA Violations Dear CFPB Team, I am filing this formal complaint regarding Experians failure to conduct a proper investigation under the Fair Credit Reporting Act ( FCRA ) for a disputed collection account reported by Portfolio Recovery Associates XXXX Despite providing sufficient evidence to dispute the validity of this account, XXXX marked it as verified without conducting a reasonable or thorough investigation, in direct violation of federal law. 

Details of the Dispute Creditor : Portfolio Recovery Associates Account Number:XXXX Dispute Submission Date : XX/XX/XXXX XXXX  Response :., Account was verified without sufficient documentation. 

Violations of the FCRA ( 15 U.S.C. 1681 et seq. ) : 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ) : XXXX failed to conduct a reasonable investigation into my dispute. They relied solely on automated processes or responses from the data furnisher ( Portfolio Recovery Associates ) without verifying the accuracy or legitimacy of the reported information. The recent lawsuit filed by the CFPB against XXXX in XXXX highlights a systemic failure to meet these investigative obligations. 
2. Failure to Delete Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : Under the FCRA, XXXX is required to delete information that can not be verified. Despite my dispute, XXXX did not provide any documentation or evidence to verify the accuracy of the Portfolio Recovery Associates account, yet they continue to report this collection account.

3. Failure to Notify Me of Reinvestigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : XXXX failed to adequately explain their reinvestigation process or provide documentation supporting their decision to verify the account. 

Reference to CFPB Lawsuit Against XXXX ( XXXX ) : The CFPBs XX/XX/XXXX lawsuit against XXXX highlights systemic violations of the FCRA, including failures to conduct proper investigations of consumer disputes and reliance on insufficient automated processes. My experience is consistent with these allegations, as XXXX has ignored their legal obligation to conduct a reasonable investigation and remove unverifiable information. 

Negative Impact on Me : XXXX improper investigation has caused significant harm, including : A lower credit score, which affects my ability to secure credit at fair terms.

Emotional distress caused by inaccurate reporting and lack of accountability.

Requested Actions : 1. Investigate Experians improper handling of my dispute.

2. Require XXXX to provide documentation
Product: Checking or savings account

I am filing a complaint with CFPB to report an issue regarding my missing direct deposit from my employer and any other incoming deposits. As of today, XX/XX/year>, the funds have not been credited to my account, despite confirmation from my employer that the payment was processed successfully. 

This failure to deposit my direct deposit has caused significant inconvenience and financial strain. I rely on timely deposits to meet my obligations, and I am disappointed in the lack of resolution so far. 

Moreover, Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act, as it requires timely access to funds.
Product: Checking or savings account

Chase bank closed all 7 of my accts after I did a wire transfer left me stranded in another state and none of my ATM or credit cards would work. Ruinlned my spring break vacation no notification they where closing my accts closed them XX/XX/XXXX after I left the branch from doing a wire for $ XXXX I then drove from Ohio to Alabama no cards would work totally demoralizing me the mailed a letter 3 weeks later to tell me they where closing my accts when I went to branch they would not give me my money out of my acct said it wouod be mailed 7-10 buisness days blocking me from my own money no way to get my money then called police had me arrested for no reason lady by the name of XXXX manager over XXXX XXXX XXXX XXXX OH XXXX. Told police I was trespassing refuse to talk to me about anything took 3 weeks to have my money mailed to me far more than 7-10 buisness days also closed my business accts witch caused payroll and benifits problems. I have banked with chase for 32 yrs was considered a private client for keeping a high balance had 1 saving acct 2 checking accts 4 credit cards that where all 27plus years never late never bounced a check never had a problem till I wanted to wire larger amount to buy a truck out of my personal savings causing them to close every acct I had disrupting my buissness and personal life calling cops impoundment my truck and taking me to jail and could not get to my iwn money
Product: Mortgage

My home was foreclosed upon in XX/XX/scrub> 2011 by Wells Fargo Home Mortgage. 

Wells Fargo denied a Loan Modification request I made a few months prior to the aforementioned foreclosure date. 

Wells Fargo did not spend any time considering this Loan Modification Request. I know this to be true because Appraisers were coming to my property and doing exterior appraisals on my home. They knew that they were going to foreclose. I know this because I was an XXXX  for 22 years. I was a XXXX XXXX XXXX XXXX  and was on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

A few years prior the 2011 foreclosure on my home, I had a followed all of the terms of a Loan Modification between Wells Fargo and I. This home was owned by me for approximately 12 years. 

In XX/XX/year>2011 +/- I received a call from Wells Fargo stating that they had a check for {$1300.00} for me. This was after they foreclosed. Wells Fargo failed to log a payment!
Product: Credit reporting or other personal consumer reports

All three credit bureau or reporting miss information nonmailable addresses old phone numbers.I have and contact all three credit bureau to remove those addresses and phone numbers.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Inc. ) filed with the Consumer Financial Protection Bureau ( CFPB ) highlights the following issues : 1.Lack of Fraud Prevention : Cash App failed to implement effective measures to address fraud, leaving the users account vulnerable and unprotected.

2.Unfair Dispute Resolution Process : The companys process for handling disputes was described as deceptive and non-compliant with the Electronic Fund Transfer Act ( EFTA ) and Regulation E requirements.

3.Impact on the User : These failures caused significant inconvenience and financial loss, leading the user to seek appropriate resolution.

The user may consent to have their complaint published on consumerfinance.gov to inform others, with personal information removed.
Product: Credit card or prepaid card

Complaint is about Targe t Card Services. I moved in 2015 at  which point I updated my address. On several occasions since I have been unable to use my card, each time calling in and told the wrong address was on file and a new card was sent. Each time I updated my address with reps. Each time they asked that I repeat the address several times. Today I called because once again I never received my new card. The wrong address was still on file and my account was closed due to inactivity. I was told by the manager that I could not be helped because target confirmed that my address was accurate. This make s zero sense  because my address was NOT accurate. Target sent my personal information and credit card at le ast three tim es to wrong addresses. This is not okay and is a huge violation of consumer privacy and protection. I was told there was no one else at target to speak to and he only way to voice my concerns was to write and mail a letter.
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX CC : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX URGENT DISPUTE FINAL DEMAND FOR IMMEDIATE REMOVAL OF INCORRECT CHARGE-OFF To Whom It May Concern, This is a formal demand for the immediate deletion of the following unlawfully reported charge-off from my credit report within XXXX XXXX : Creditor : XXXX  XXXX Balance : {$2300.00} Charge-Off Status ( Incorrectly Reported on My Credit Report ) This charge-off has been paid, settled, or otherwise resolved, meaning its continued presence on my credit file is a direct violation of federal law. 

LEGAL BASIS FOR REMOVAL 1. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), furnishers are legally required to report only accurate and complete information. Since this charge-off is no longer due, its continued presence is a clear violation of federal law, and you are legally obligated to delete it immediately from all reporting bureaus. 

2. Attempted Double Jeopardy in Credit Reporting Fraudulent Reporting This account has been resolved, meaning any continued reporting of a balance or delinquency is fraudulent and could be considered attempted double jeopardy in credit reporting. Requiring me to pay again would be fraud, and your failure to correct this violates 15 U.S.C. 1681n, which subjects you to statutory damages, punitive damages, and legal fees for willful non-compliance. 

3. Willful and Negligent Non-Compliance 15 U.S.C. 1681n & 1681o Should XXXX  XXXX, XXXX, and Experian fail to delete this charge-off within XXXXXXXX XXXX, I will : File an official complaint with the Consumer Financial Protection Bureau XXXX CFPB ). 
Submit a fraud and identity theft report to the Federal Trade Commission ( FTC ). 
Initiate legal action against XXXX XXXX, XXXX, and Experian for FCRA violations, seeking damages and full removal of this charge-off. 

DEMAND FOR ACTION XXXX XXXX COMPLIANCE REQUIRED I hereby demand that XXXX  XXXX, XXXX, and Experian XXXX 1. Immediately delete this charge-off from my credit report. 
2. Cease and desist from reporting any inaccurate balance or delinquency. 
3. Provide written confirmation of deletion within XXXX XXXX. 

Failure to comply will result in legal action without further notice. I strongly urge you to treat this matter with the highest urgency. ( be advised that FTC reports have already been filed because this issue has still not been resolved. )
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX AV XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Balance : {$0.00}, XXXX APPLIANCES XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$910.00}, XXXX XXXX XXXX XXXX Balance : {$950.00}, XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX  XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : -, XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$190.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I assert that the presence of inaccurately reported late payment notations on my accounts constitutes a violation of the 15 USC 1666.
Product: Credit reporting, credit repair services, 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 USC1681. 

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 an account without my written instructions.

15 U.S.C 1681 C- ( 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 7 years.

15 U.S.C 1681 S-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: Debt collection

My wife and I purchased a timeshare condo on XXXX XXXX XXXX in XXXX. We made this purchase while on vacation, we have never returned to this timeshare. We did join XXXX and used some of the weeks for exchange to other timeshares. XXXX XXXX XXXX have always been difficult to communicate with, and I was tired of dealing with them. I did not remember how long the timeshare membership was for, but I was done with their business practices. The annual dues went up sharply, there were special assessments every time a storm went through the island. I thought the timeshare purchase was for 20 years so I wrote a letter to XXXX XXXX XXXX after the 20 year anniversary and informed them I was done. They just kept sending me bills. I called them several times and asked them what they needed to terminate this relationship, never got a firm answer just more bills coming in for quite a while. I haven't seen any bills from them for a few years. There is a large group of disgruntled timeshare owners who are working on a class action suit against the ownership group, they have changed their business name a few times. I don't know the exact name they are using now. I have a letter I wrote them in XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all the company BMW Financial is not my account second they are filing late pays on my report, and the credit bureau is letting them do this. According to 15 usc 1681b they can't. Furthermore they won't let me dispute reports that the statue of limitations is 2 years pass the limit
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed information on my credit profile that was not correct in XXXX on XX/XX/28 I send dispute in about these inaccuratices. On XXXX I notice I did not receive a respond and send a demand to comply in and still lack of communication back to me it's almost 2 weeks later and still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting an account that was opened due to fraud. XXXX has received the police report information and you all continue to verify and report and this fraudulent account. Immediate removal of this account off my credit report is needed.
Product: Mortgage

My mortgage was transferred from XXXX XXXX to Freedom Mortgage. On XXXX I received paperwork ( dated XXXX ) from XXXX about " Notice of Servicing Transfer ''. Today ( XXXX ) I contacted Freedom Mortgage to ask about what amount is due and when. I was told " whatever you paid your other morgage company ''. 

The rep gave me a loan # and stated that's what I should use for my payment. She ( Freedom Mortgage rep ) then said that my " acount has not yet been moved over '' but that I have until XXXX  XXXX to make a payment ' XXXX XXXX is 6 business days from today ( XXXX ). I then asked when would my account be moved over and she said " well our paperwork says by XX/XX/XXXX ''. I asked her if Freedom would notify me when my account IS moved over ; she said no. I told her I was not going to send money to a nonexistent account and asked if I would then be penalized for not paying on time. She said 'no '.

So I still have no idea when Freedom will officially have my account and apparently this company- Freedom Mortgage- doesn't know. 

Freedom Mortgage also says to use their automated system, which I tried to do and everytime I entered my phone #, I get the message " yourinformation is incorrect '' ; it's not. I now suspect this is because Freedom STILL doesn't actully have my account up and running.
Product: Credit reporting or other personal consumer reports

Formal Demand for Deletion of Fraudulent Accounts To Whom It May Concern, I am writing to formally demand the immediate deletion of XXXX fraudulent accounts from my TransUnion credit report. These accounts do not appear on my XXXX or XXXX credit reports, further supporting their inaccuracy. Their presence on my TransUnion credit report violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

Legal Grounds Supporting My Demand 1.FCRA 611 ( 15 U.S. Code 1681i ) : Dispute Investigation Process Under FCRA 611, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information. Given the absence of these accounts on XXXX and XXXX, their presence on your report is inconsistent, inaccurate, and indicative of a lack of reasonable verification. 
2.FCRA 605B ( 15 U.S. Code 1681c-2 ) : Blocking Information from Identity Theft FCRA 605B mandates that a credit reporting agency must block information identified as fraudulent within XXXX business days of receiving documentation of identity theft. I have provided sufficient evidence, including [ list the documents provided, e.g., an FTC Identity Theft Report, police report, etc. ], that these accounts were opened fraudulently. By declining my fraud block request, you are failing to comply with this statutory requirement. 
XXXX.FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) : Accuracy of Reports FCRA 607 ( b ) requires credit reporting agencies to maintain maximum possible accuracy in consumer reports. The fact that these accounts do not appear on my XXXX and XXXX reports indicates a failure on your part to ensure the accuracy of the information you are reporting. 
XXXXFCRA 609 ( e ) ( 15 U.S. Code 1681g ( e ) ) : Information Related to Fraudulent Accounts Under 609 ( e ), I am entitled to information related to the fraudulent accounts, including details of the creditors and transactions. Your failure to block these accounts without properly verifying their legitimacy infringes upon my right to access this information. 
XXXXFederal Trade Commission Guidance The FTC provides guidance that credit reporting agencies must delete fraudulent accounts when sufficient evidence of identity theft is presented. My documentation meets this standard, and your refusal to act violates the intent of the FCRA and FTC regulations. 

Accounts in XXXX XXXX XXXX XXXX XXXX, Account # XXXX ( Auto ) XXXX XXXX XXXX XXXX, Account # XXXX ( Credit Card ) These accounts are clearly fraudulent and inaccurate. By failing to delete these items, you are violating my rights under the FCRA. 

My Formal Request I demand that TransUnion : XXXXImmediately delete the above-mentioned accounts from my credit report.

2.Provide written confirmation of their deletion within 4 business days of receipt of this letter. 


Attached is my FTC report # XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5500.00}, {$6900.00}, {$8000.00}, {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6900.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.