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

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance. 
Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : 1. Ramirez v. TransUnion LLC, 141 S. Ct. 2190 ( 2021 ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
2. Johnson v. Wells Fargo Bank, N.A., 2020 U.S. Dist. LEXIS 12345 ( D. Md. 2020 ) Wells Fargo was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
3. Soutter v. Equifax Info. Servs., LLC , 498 Fed . Appx. 260 ( 4th Cir. 2012 ) Equifax was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages.

4. Dixon-Rollins v. Experian Info. Sols., Inc. , 753 F. Supp. 2d 452 ( E.D. Pa. 2010 ) Experian was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm.

5. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00XXXX XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights.

These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences.Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of the following account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, XXXX and Experian credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information includes accounts at XXXX, XXXX XXXX XXXX, XXXX and XXXXXXXX XXXX XXXXXXXX which I did not authorize, open, make, or initiate in any way. The details of the fraudulent information are as follows : XXXX Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX, XXXXXXXX XXXX Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX, XXXX  Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX and XXXXXXXX XXXX XXXXXXXX Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX. These accounts are the result of identity theft and fraud, and I have attached a copy of my FTC Identity Theft Report to verify that this is a case of fraud. I do not recognize these accounts, nor was it opened, made, or initiated by me in any capacity. The fraudulent entry is affecting my credit report, and I request the immediate removal of this item. Furthermore, in support of my rights under the FCRA, I reference the following court cases : XXXX v. XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case affirmed the consumer 's right to dispute and have inaccurate or fraudulent information corrected or removed from their credit report under the FCRA. XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) : This case reinforced that credit reporting agencies must maintain procedures to ensure the accuracy and integrity of the information on consumers credit reports, particularly in cases of identity theft. XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : The court held that the FCRA requires credit bureaus to conduct reasonable investigations and promptly correct inaccuracies when consumers report fraudulent information on their credit reports. These cases establish my right to a fair and accurate credit report and affirm the duty of XXXX to act promptly in removing fraudulent information. Additionally, I have provided a copy of my current consumer FICO credit report showing this fraudulent account, along with the FTC Identity Theft Report as confirmation.
Product: Credit reporting or other personal consumer reports

From Friday XXXX  to today XX/XX/, I received the mails from Experian 8 times. 

3 of them related with dispute on credit report. 

Others came from XXXX ( from XX/XX/23 ) 1 was car credit offer 2 were credit card offer 1 was asking me to check the credit score 1 was asking me to 'check out ' my 'top weekly reads. ' I attached the content of this email. However, the sponsored ad was changed when I printed out. It said originally 'Always keep a XXXX XXXX in Your Wallet or Pocket. Every homeowner should know these genius life hacks. Consumer blogs. ' There was a picture of XXXX XXXX. Other contents were same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. credit card accounts have been opened in my name, using my social security with XXXX Bank, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX. I received letters from XXXX Bank validating the accounts were opened by another person using the social security that I did not authorize. I requested a credit block with a credit reporting agency with all required documentation to validate I am a victim of IDENTITY This has not been done. After calling the credit reporting agency I have not been provided information and documentation why this has not been honored. I was informed to submit further documents although they were unable to tell me what documents and why my block was not done or valid. The letter states the block was not granted due to either an error, more documents are needed, or that I received the items. I repeated and requested documentation to this conclusion and I have not received anything to my request.
Product: Debt collection

[ Your Name ] [ Your Address ] [ City, XXXX, ZIP Code ] [ Date ] [ Credit Reporting Agency Name ] [ Agency Address ] [ City, State, ZIP Code ] Subject : Follow-Up Dispute of Collection Account Request for Method of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account # [ Account Number ]. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : XXXX. The method used to verify the accuracy of this collection account. 
XXXX. The name and contact information of the person or entity that provided the verification. 
XXXX. Copies of any documents or records used in the reinvestigation process. 

As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law. 
Sincerely, [ Your Signature ] [ Your Printed Name ]
Product: Credit card or prepaid card

On XX/XX/2020 I contacted Citi-Bank about relief from making payments during these unprecedented economic times, a stock market crash and the XXXX XXXX Virus XXXX. Citi-Bank has refused to help me in any manner what so ever. 
My payments were due on XX/XX/2020 and XX/XX/2020. 
Please see Citi-Bank 's XX/XX/2020 attached response letter. 
This morning I was on Citi-Bank 's webpage and Citi-Bank is offering 2 months of no payments, waive late fees and no impact on Credit Card account. 
I need help with Citi-Bank please.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my credit report from this company credit plus on XX/XX/19. I contacted this company and it is a mortgage company which is baffling considering I rent and have not been in the market for any purchases.
Product: Credit reporting or other personal consumer reports

I looked up my XXXX XXXX on XXXX XXXX like i always do on XX/XX/year>. I saw a hard inquiry on my account from Capital One. I tried to call the number on credit karma and they wanted a card number which I do not have due to not having an account or even wanting to open an account with Capital One. So I looked up the customer service number to try to get more information on it and the guy I spoke to XXXX sure what I was asking about. He said to speak to anyone on why Capital One has a hard inquiry on my account I needed to call the Credit people of which the account was posted and then I asked for more information and he said give me XXXX moment and I waited for XXXX minutes for a response from him and then the call just ended. So i called the Credit place and they helped me out but first they said i should call Capital One which i had already done and i told them that. I have no tried or am not wanting to open an account with Capital One. I recieved an email from them this morning saying they cant approve my application but i havent even applied for anything with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to inform you that this account has been opened fraudulently and does not belong to me and has to be deleted immediately by law. 


account #. XXXX account name. XXXX XXXX XXXX XXXX 15 U.S.C. 1681x 15 U.S. Code 1679c
Product: Checking or savings account

XXXX ( PDT ) on XX/XX/24, Wells Fargo fraud department contacted me to validate Bill Pay transactions I set up in the Wells Fargo portal. I was asked to verify the name of the merchants and amount of payments. I was only able to provide the name of merchants and partial amounts. I advised I would need to place the caller in hold to access the amounts. When the transactions were set-up, I also completed secondary authentication. The Wells Fargo representative said, this is the fraud department, and we don't get put on hold. You will need to call us back : and I was hung up on. My account is now locked, and I can not transfer any money into or access the portal.
Product: Credit reporting or other personal consumer reports

Applied for Loan wiht XXXX XXXX  went to purchase vehicle bc loan funds werent received by dealer from XXXX XXXX. XXXX  funds were retracted and sent back to XXXX XXXX XXXX XXXX straight from XXXX XXXX.
Product: Debt collection

XXXX XXXX {$0.00} Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : EQUIFAX Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit card or prepaid card

On XX/XX/2019 XXXX XXXX my Employee requested the card information for a payment for supplies. At that time I sent information to XXXX XXXX the card information, by error I sent the Card information to both XXXX XXXX and XXXX XXXX due to a prior text within the three of us. I realized I sent the card to XXXX XXXX and I sent a text immediately after I sent the Card info DO NOT USE THIS CARD. XXXX XXXX than stated what card cant receive pic. I have all text correspondence. 

On Monday XX/XX/XXXX I notice multiple unknown, and unauthorized pending transactions in my account. I called customer service at PNC and they stated that it was from XXXX XXXX Mobile. I disputed the cards after the transactions were cleared as instructed my PNC customer service. On XX/XX/XXXX I filed a Police report with the XXXX XXXX police department of fraud on my Card in the follow amounts ; {$1500.00}, {$760.00}, {$1000.00}, {$2000.00} for a total of {$5300.00} against XXXX XXXX. I have made a sworn statement under oath that I did not authorize and of the above transactions. I instructed XXXX XXXX he had no authorization to use my Card with the account end in in XXXX. I have the following text correspondence stating ; XXXX XXXX returned the funds ( but he did not ) XXXX stated that he can not get pictures of my card, That I never authorized payment and that XXXX XXXX authorized charges ( which he did not. ) PNC preformed a very hasty and poor investigation of a large amount and has not advocated and has not protected my company against fraud. I called 10 times to speak to an investigator on this matter and have not spoken to anyone. No documents or police reports were reviewed.
Product: Credit reporting or other personal consumer reports

I'm having issue with my account being incorrect which I'm being penalized I can not get the proper loan that I'm looking for or try to get a house due to the fact that they had the wrong information the wrong address on my account I'm having inquiry that I never authorized so that's stopping me from getting things done that I need to get done on my personal life I'm paying extra money to try to get stuff done that does not belong to me and I've been trying time after time to get all that clear off and it's still not going anywhere
Product: Payday loan, title loan, or personal loan

This loan interested was not disclose at the beginning of the online application. No body call or contacted me to tell me the HIGH RATES. 
A {$2000.00} loan on XX/XX/2023 that I already paid {$2700.00} as of XX/XX/2023 They want to add {$1600.00} in more interest for a 7 month credit. 

This is wrong in every way how can they be allow to charge this kind of rates. 
The loan is paid and the already got {$730.00} in fees and still want to charge more. 

I need your help!!!
Product: Money transfer, virtual currency, or money service

My PayPal account has fraudulent activity and I don't have a clue how to use it I have a PayPal card for the account but never used it also my XXXX account has been hacked as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT A DISPUTE TO XXXX, XXXX AND EXPERIAN IN XX/XX/2021. EVERYTIME THEY ARE SENDING BACK MAIL SAYING THE ACCOUNTS HAVE BEEN VERIFIED WITH NO PROOF OF INVESTIGATION. THE ACCOUNTS THAT ARE BEING DISPUTED ARE XXXX XXXX XXXX XXXX WHICH THERE ARE THREE ACCOUNTS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX XXXX. THESE ACCOUNTS ARE REPORTING DIFFERENTLY ON ALL THREE CREDIT BUREAUS. THEY ARE NOT CONSISTENT ACROSS THE BOARD. I NEED THEM REMOVED AS SOON AS POSSIBLE. ALSO XXXX AND XXXX HAS CREDIT INQUIRIES WHIC I DISPUTED BUT THEY TOLD ME TO CONTACT THE PROVIDER. ALSO MY NAME IS NOT REPORTING CORRECTLY ON XXXX. I ONLY WANT ONE ADDRESS TO SHOW WHICH IS XXXX XXXX ON ALL REPORTS.
Product: Credit card

XXXX was notified that the closing of a home did not occur and they were to not deliver and get their products back. 

XXXX has now marked me as default on a item I never received and also closed my account for their error. 

a bbb complaint was submitted while they work with their 3rd party for part of the order they still elected to charge me for an item I never received
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute several hard inquiries that appear on my credit report. I believe these inquiries were made without my consent and are negatively impacting my credit score. 
I have carefully reviewed my credit report and have identified the following hard inquiries that I wish to dispute : * 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

I went on XXXX XXXX to seek for a personal loan and was matched with Upgrade. 

I was offered and loan and selected it to see my rate, I noticed a credit inquiry was pulled when it said it would not pull a credit report. 

Forceablily after pulling my credit I called Upgrade, I was encouraged to provide over documents to approve my loan since I had come this far. 

Even after providing the documents they denied me for reasons out of my control and was given a hard inquiry on my report when I was never supposed to get one.
Product: Credit card

On XX/XX/XXXX, I received a statement in the mail informing me about my credit protection plan. The was the second attempt they claimed to have sent me. I have never signed up for a protection plan of any sort. I am only able to review statements up to XX/XX/XXXX, and I was charged the Protection Plan fee on that statement continuing up to today 's statement. The fees range from $ XXXX- {$14.00} a month depending on the balance. This is already at {$200.00} that I have paid for a service I never signed up for. I am demanding the statements be sent to me from the opening of my account back I believe in XX/XX/XXXX. I will be contacting Citi bank in the morning. This is pertaining to a Macy 's account.
Product: Money transfer, virtual currency, or money service

Cash App, which is a product of the company Square , Inc., based out of XXXX XXXX, California.

As of right now, Cash App does not actually offer customer service via the telephone, only via email or through the app. Customer help phone number is impossible locate for this company. If you check within their App Number is not listed.

This opens a window for scam customer numbers listed online. Many Cash App customers are being mislead because they refuse to offer or list appropriate customer support. Scammers continue to appear as Cash App online and are stealing our money. We need Cash App to Step UP and do something about this!!!
Product: Credit card or prepaid card

About XX/XX/2017 my purse was stolen while I was in XXXX XXXX XXXX  XXXX. I had several charges made on different accounts. I called every credit card that I had cards with to explain the situation. At least 2 of them already had a charge that was the same amount and from the same establishment. US Bank at first refunded my money but later said I told them I had the card in my possession. I had a poor phone connection when I called them but they will not allow me to listen to the call to hear for myself. I know I would not have knowingly said I had the card when in fact I was calling them to let them know it was stolen. 

They did provide me with a receipt with a signature that isn't mine.Someone obviously copied it from the credit card they stole. 

Next they charged me for this amount again. It is {$1300.00} usd. 

I contacted an attorney after speaking with them on multiple occassions. We were not getting anywhere and they were not willing to speak with me any more. The attorney sent a letter which received no response. 

Attachments - Letter from attorney. My application of fraud. Copy of the Presentment. 

I do not beleive that I should be held accountable to pay this amount.
Product: Debt collection

I have previously submitted clear and comprehensive evidence proving that this account is the result of identity theft. To my dismay, this fraudulent entry persist on my credit report with your bureau, despite other credit bureaus acknowledging and rectifying the issue promptly. 
XXXX XXXX XXXX XXXX & XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
It is perplexing and disheartening that your bureau has not taken similar corrective measures, especially when other credit reporting agencies have acknowledged the legitimacy of my identity theft claims. This inconsistency in reporting raises serious concerns about the effectiveness of the investigation process undertaken by your bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

No entity may include in a consumer report any adverse information deficient of physically verified validity of truth accuracy and completeness and compliance to METRO2 SO PROVE NOW OR DELETE THE CLAIM XXXX XXXX  XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, US DEP ED XXXX, US DEP ED XXXX XXXX US DEP ED XXXX , US DEP ED XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, US DEP ED XXXX, US DEP ED XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, US DEP ED XXXX,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX I am reporting a fraudulent inquiry found in my credit report
Product: Checking or savings account

On XX/XX/2021, Wells Fargo rejected a check that I had written to the City of XXXX XXXX for a parking permit. The check was drawn from my checking account at XXXX XXXX XXXX. I verified with XXXX XXXX XXXX  that they had no record of Wells Fargo attempting to deposit the check and further communication shows an entry error on the part of Wells Fargo. I have attached the correspondence. My account had sufficient funds. As a result of the rejected check, I was required to pay a {$35.00} returned check fee to the City of XXXX XXXX. The city also required a money order to replace the original check.
Product: Credit reporting or other personal consumer reports

I applied for a student loan but did not end up attending the school and the loan has been returned in its entirety with nothing furthered owed. XXXX was first loan servicer and transferred the loan to XXXX who returned the funds that had been disbursed. XXXX continues to report that I owe them XXXX despite having transferred the loan to another servicer who then returned the funds. How do I compel XXXX to update their report to reflect loan status? 
Thank you XXXX XXXX