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

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Please remove and block all unauthorized accounts from my credit report that may have been added due to fraud or identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Obtained a loan through XXXX XXXXXXXX XXXX  in XX/XX/XXXX for a XXXX XXXX XXXX. Contacted the company to arrange for late payment they claimed was never made and repossessed our vehicle a few days later without any legal notice. Because we were not made aware of the repossession, we thought our car was stolen. After finding out it was repossessed, we were not given the information as to where the vehicle would be sold or the option to pay the past due balance. I was not aware until this year that by Nebraska law you must give written notice before repossessing a vehicle. After selling the vehicle at auction, they showed a remaining balance that we would be responsible for. I understand that is how that situation works however, the bank has held on to the loan since the repossession in XXXX and has increased and decreased the balance without any payments coming from us. Since auctioning the vehicle, reporting of late payments after a repossession occurs is an error. I have disputed this many times and the bank had even agreed to remove it from my XXXX credit report but, have not for my other credit bureaus.
Product: Debt collection

I never received any notification, by mail or email, or phone of any amount owed to anyone anywhere and now I am seeing a collection on my credit report that is a complete surprise and frankly unsubstantiated. I received a call last week from a debt collector - the first call ever - in regard to an apartment building I used to live in but asked them to call me back since I was in class - they never did. This building never sent me any notice of outstanding payment due and I have no idea what they are even claiming this is for. When I moved out after my lease ended last XXXX, I gave them 30 days ' notice and they said they needed 60. I submitted a formal complaint and never heard back anything. No invoice or bill was ever sent to me. I am only seeing this now on my credit report which is unfair since I was NEVER contacted by the building about an amount owed. How can they do something like this? My phone and email are the same and they have both because they still send me emails from their rental portal about events. Please help, this can not affect my credit score since I was never given an opportunity to resolve this matter with the apartment before they sent this to collections. I am incredibly disappointed and hurt that a building I lived in for a year and paid on time as a perfect tenant would do something like this.
Product: Debt collection

XX/XX/year> XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX 
Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm a victim of identity theft. An identity thief exploited my personal information without my authorization to open an account with XXXX XXXX. This is not my debt. I've attached confirmation of my identification and a copy of my FTC identification Theft Report. Also a Police Report. 
In compliance with the Fair Debt Collection Practices Act, I request that you halt collection proceedings against me and stop communication with me about this debt, except as permitted by the Fair Credit Reporting Act. I further ask that you notify XXXX XXXX explain that the debt is the product of identity theft. 
I've enclosed a copy of the Consumer Financial Protection Bureau 's Notice to Information Furnishers. It clarifies your obligations under the Fair Credit Reporting Act ( FCRA ). The FCRA requires debt collectors to provide an identity theft victim with account-related documentation if the victim requests them. Please send me copies of all records associated with the account, including : Account applications are submitted on paper, online, or via phone.

Account statement or invoice Records of payment or charge slips Delivery addresses associated with the account.

Records of phone numbers used to activate or access the account.

Signatures for applications and accounts Investigators report. 
Please send me a letter describing what you did to : Inform XXXX XXXX the debt is due to identity theft. 
Stop the collection proceedings against me. 
Stop sending information about the debt to credit reporting agencies. 
Please provide me with the records I seek. 
I appreciate your cooperation. 
Sincerely, XXXXXXXX XXXX  XXXX Enclosures : POLICE REPORT. 
Identity Theft Report. 
CREDIT REPORT. 
For proof of identity, go to the CFPB 's Notice to Information Furnishers [ PDF ].
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information from my file. The items I need deleted are listed in the ID THEFT REPORT. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with their firm pursuant of the FCRA Section 605b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$300.00} XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX
Product: Checking or savings account

USAA Bank/Insurance due to a system error by USAA charged our account twice for an insurance payment once on XX/XX/XXXX XXXX XXXX  and once on XX/XX/, XXXX  Refuses to refund money ( it is the same company USAA Bank and USAA Insurance ) continues to say it will take 10 days to investigate the dispute. Continues to return automatic payment for insufficient funds and causing us to receive returned item fees from the companies the payments are returned to and causing damage to out credit because it shows we have missed/paid late on these credit accounts. Refuses to agree to cover the fees that are caused due to their mistake not ours.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that multiple over 30 day late payments were reported on an account of which those specific payments were not over 30 days late. 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 was not over 30 days late on these payments reported for : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please investigate and provide Proof with statements showing that these payments were over 30 days late. If proof can't be provided I demand these payments be updated to on time as they should be as I was not late. Thank you.
Product: Debt collection

I am writing to formally address my ongoing concerns regarding the debt claimed by Portfolio Recovery Associates. On XX/XX/year>, I sent a cease and desist letter, after which I was contacted by XXXXXXXX XXXX XXXX XXXX XXXX 

Since then, I have made over a dozen requests, both via email and certified mail, for documentation proving the validity of the debt. Despite my efforts, they have been unable to provide any legal documents demonstrating my agreement to the debts in question or any original contracts bearing my signature. 

I have attempted to settle for a lesser amount, as I believe this debt is not mine, but my offers have been met with refusal. Additionally, I proposed arbitration in hopes of resolving this matter amicably, yet I have not received any satisfactory response. 

It is deeply concerning that I have not received any proof or verification of this debt despite my repeated attempts to clarify the situation. I have maintained records of all correspondence, including letters and tracking numbers, as well as emails with timestamps. 

I would appreciate your prompt attention to this matter and any guidance you can provide on how to proceed. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts be blocked and deleted from my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach, and these accounts were compromised. 
The accounts that need to be blocked and removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request that the following inquiry be removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These actions are necessary due to my status as a victim of identity theft resulting from a data breach. As provided under the Fair Credit Reporting Act ( FCRA ), I am entitled to these removals to protect my rights and ensure the accuracy of my credit file. 
Please confirm receipt of this request and notify me of the actions taken to block and remove these items from my credit report.
Product: Credit card or prepaid card

On XX/XX/22 I received an alert from XXXX that a new Wayfair/Citybank credit card was opened in my name. I immediately called all 3 credit bureaus to report that I did not open a new account, I also put a freeze on my credit reports, called Wayfair/citybank and reported this account as fraudulent and asked that they close the account. They informed me that they would investigate the claim and let me know their findings. I received a letter today stating the following : The information reviewed as part of the investigation does not support your claim that this account was fraudulently opened using personal information : The letter also states that I will be responsible for any charges relating to the account. I will be going to the local police station to file a report.
Product: Credit card

I made a payment to Barclays Bank credit card for {$460.00} on XX/XX/2024. I used XXXX XXXX XXXX. Somehow XXXX assigned the wrong credit number to the payment. I have called and written Barclays. There was a payment also sent by XXXX incorrectly in XX/XX/2024. Barclays found that payment and sent it back to XXXX. But Barclays can not find {$460.00} and told me to have XXXX recall the payment. XXXX states they can not do that!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting regarding this issue that had never resolve by the credit bureaus, and for this, I am complaining these incorrect information on my credit file that containing some fraudulent items. I am not satisfied with the performance of the credit bureaus in deleting some of these inaccurate items and there are some that are still on my credit report. These inaccurate information are really affected my credit score. I really believe that these items are fraud and I don't want to be a victim of identity theft. Remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than seven years.

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

XXXX reported the data verified by lexis nexis. However, according Lexis nexis, Lexis nexis has removed the bankruptcy from my file dated XX/XX/2023. The most recent bankruptcy dispute showed that there were no change as a result of my dispute. This data was NOT verified by lexis nexis, due to the bankruptcy being deleted from Lexis nexis FILE on XX/XX/2023. XXXX is NOT investigating into this after speaking with Lexis nexis directly on XX/XX/XXXX, customer support stated during their bankruptcy dispute investigation initiated on XX/XX/XXXX, XXXX did not respond to their investigation as of XXXX XXXX XXXX XXXX completed their investigation on XX/XX/2023, results ; This item remained unchanged from our processing of your dispute in XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request XXXX, XXXX and TRANSUNION credit bureaus, the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to address an inaccurately reported bankruptcy on my credit report. The case you have listed as valid and accurate is, in fact, erroneous. I have never been involved in any such case, nor have I received any judgment. Without a judgment, there can not be a valid case, as no legal proceedings were ever initiated or concluded. 

The bankruptcy listed under XXXX XXXX with the case number XXXX must be removed from my credit file immediately. This entry is fraudulent and is tarnishing my credit history without justification. 

Should you persist in reporting this erroneous information without conducting proper verification, I will be compelled to seek legal recourse. I have already consulted with my attorney, and should the issue not be rectified within 30 days of this notice, we will proceed with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

During 2017, i was XXXX and and my mail and credit data was stolen. I reached out to XXXX and police reports. The account # XXXX ending in XXXX was not removed from Experian and XXXX and was removed from XXXX After nearly 3 years of trying to remove this single item from my reports I contacted XXXX and informed them i didtnt open this account and suspected it to be my ex wife or someone with access to my account or info. I paid the balance hoping this would resolve the issue. XXXX is reporting that they never recieved payment and have listed late payments and degratory info to the credit reporting which is 100 false. They have not provided that is was fraud and even further I assisted in tryign to pay the settle balance of the account.
Product: Credit card

Concora Credit DBA Milestone Credit Card illegally kept trying to charge my XXXX XXXXXXXX XXXX  account without my authorization because I was late on a payment. Then they shut down my credit card and in retort I place a cease and desist order in place. They also negatively affected my credit score.
Product: Credit reporting or other personal consumer reports

I have found multiple accounts listed on my credit report that I have no association with, and I am alarmed by their presence. This is not only an error but a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am entitled to an accurate credit report, and these inaccuracies are impacting my credit. I request an immediate investigation into these discrepancies and expect them to be corrected swiftly. If this matter is not resolved satisfactorily, I will take legal action to enforce my rightsXXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX Partial account # XXXX Company emailed me claiming a owed about of {$1000.00} for student loan debt that is currently still open and in good standing on my credit report as a third party. When I gave the company the title 4 refund information they changed the amount to {$500.00}. I requested proof of claims and original contract never heard back from them and they are still reporting the amount of {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the past year, I've applied for loans ranging from car loans to credit cards and I'm presented with data that indicates a company doing business under the name " SageStream '' is collecting information on me and providing it in error to lenders. This started with a car loan that I was not given approval for due to erroneous information contained in a report this particular finance company acquired from Sagestream. 

Upon contacting Sagestream I learn that every single determining factor the bank used to make a decision about my credit was wrong. I contacted Sagestream, which is no small task since their company appears to be just a network of voicemail transfers - but when I did finally make contact they provided no way to rectify this situation other than recommending to lock my account. 

I have since applied for various things and several of those lenders are denying me credit now because my Sagestream account is locked. The easy solution is what I've adopted, and that's to simply not do business with any company that does business with Sagestream but it's completely unfair to have your credit held hostage by such an incompetent and blatantly dishonest company. This company has profited from selling my data - data that's not correct and potentially negatively affecting my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized EQUIFAX MORTGAGE XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized EQUIFAX MTG Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized EQUIFAX MTG Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My ex buddy and room mate stole my info and name and opened accounts that are not mine. I need these accounts taken off my credit right away.