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

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : Cushman v. TransUnion Corp. ( 1997 ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
Dennis v. BEH-1, LLC ( 2002 ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX ...., XXXX XXXX XXXX ...., XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ..., XXXX XXXX XXXX XXXX ....
Product: Credit card or prepaid card

On XX/XX/2022 I opened an American Express Credit card. Terms of a XXXX dollar deposit were met and on XX/XX/XXXX I was credited XXXX to my account for meeting the promotion. On XX/XX/XXXX, I contacted American Express and closed my account because too many small businesses does not accept their card. I opened a XXXX XXXX card which I am completely satisfied with. After my account was closed American Expressed charged the XXXX dollars to my CLOSED account. They said I closed the account too early and the were reversing the promotion. At no time was I told they would do that when closing the card nor does it say on their promotion advertising they can add the XXXX to a closed account. It states we may not credit the statement credit to, we may freeze the statement credit credited to, or we may take away the statement credit from you account. At no time did I authorize the XXXX being added to a closed account. Also American Express has been reporting to the credit bureau and crashing my credit. At no point has American ever contacted me to resolve the situation. The had an automated machine call me. I refuse to pay them XXXX dollars to a cancelled account and any late fees or interest accumulated. I would like American Express to fix this and my credit at the same time. They are a big company trying to push around a consumer!
Product: Vehicle loan or lease

I have an automobile loan with Carmax Auto Finance ( Carmax ) The loan is due on the XXXX of each month and the funds come out of my account on the XXXX of each month. I have my payments made through my XXXX XXXX  automatic bill payment process. I have used this process since XXXX without any prior issues. 

The problem is that Carmax says that my payment for XXXX has not been made. However, my online checking account statement shows that the payment was sent by XXXX XXXX  on XXXX. I also have proof of payment documentation from XXXX XXXX  showing that the XX/XX/XXXX payment was made on time. On or about XXXX, I started getting calls from Carmax Auto Finance regarding the so-called " late payment. '' On XXXX, I called Carmax Auto Finance to tell them that the payment had been made and that I had proof of payment from my bank. I asked the customer service representative ( CSR ) if I could send them this proof in order to resolve the matter. The CSR stated that she had no way of taking that information. She advised me to call back Carmax in XXXX business days to follow-up. She stated that it would take that long for the accounting team to research the issue. I asked her to not have Carmax contact me about the late payment anymore because I had proof the payment was made in a timely manner. I also stated that my account should not be charged any late fees or penalties because the payment was made in a timely manner. 

On XXXX I called Carmax again to see if they had resolved the issue. The XXXX said that they had not had time to finish their review, although the CSR I spoke with on XXXX said it should be resolved in XXXX  business days. 

On XXXX I called Carmax again to see if they resolved the issue. The CSR said the payment had not yet been found. I asked to speak with a manager to see if there was a way I could sent the proof of payment. The CSR gave me a fax number. I again asked to speak with a manager to try to resolve this. After a brief hold, I spoke with a manager named XXXX. He gave me an email address to send the proof of payment, which I sent within the hour of our discussion. 

As of this date, XXXX, XXXXXXXX XXXX, XXXX, the matter remains unresolved. I would like the CFPB to help me resolve this issue. Specifically, I do not think that I should be charged any late charges or penalties and I do not want any adverse information reported to any of the credit reporting companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to my credit report to Experian. I received a response in XX/XX/XXXX and, on XX/XX/XXXX, I requested that Experian provide me details about how they had allegedly verified information in that report. I specifically requested information I am entitled to under the Fair Credit Reporting Act such as name and contact information of the person at each creditor who verified the information. I received a notice from Experian that since I had not submitted any new information, they considered the investigation closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I changed insurance companies and there was a balance with XXXXXXXX  I paid XXXX  once the error was explained regarding coverage. They turned over to collection prematurely when balance was paid already. Caine and Weiner was to delete the error but place a paid collection which cause my credit score to drop XXXX points. I never owed the collection agency I never paid the collection the original creditor was paid .the collection agency agreed to delete the error but did not
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit card or prepaid card

My personal credit card with BB & T was either sold or transferred to Truist bank. Despite numerous emails and letters in the mail notifying me that I would be receiving a new " Truist '' replacement card in the mail, that never happened, I never received one. 

Starting months ago, I began calling, requesting that card, on more than one occasion I was notified that the card would ship within " 7-10 business days. '' However again, that never happened. 

Today, again for the fourth time, I contacted Truist. This time I was told that my account would be closed and no card would be issued to me because of a " past delinquency. '' There has been no past delinquency. I have never been delinquent on this or any other account. When I pressed the representative further, and asked, " when was this delinquency? '' She told me, " well we look at non-use as delinquent. '' This of course was very surprising to me in several ways. 

I haven't been able to use my account because they have never sent me a card.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint about being a victim of fraudulent activity. To remove the fraudulent items from my report, I learned that I need to file an identity theft report with the Federal Trade Commission at XXXX XXXX XXXXftc.gov. Per FCRA section 605b, Credit Reporting Agencies must remove any items listed on an identity theft report with reference number XXXX. Please find the attached documents to help remove the erroneous personal information and inquiries posted to my report. Here is the list of items opened without my permission : XXXX : XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX -- -- -- -- XXXX : XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- TRANSUNION : XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ), the Credit Reporting Agencies must remove any items in the consumer 's file resulting from identity theft within 4 business days of receipt.
Product: Mortgage

Nationstar Mortgage is moving forward with a foreclosure sale on XXXX XXXX 's home despite the fact that her loss mitigation review remains pending. Dual tracking is a violation of Regulation X, 12 C.F.R. 1024.41 ( g ) so we did file a complaint with the CFPB the sale likely wont be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent out another letter via registered mail with the U.S. Postal Service on that date regarding inaccurate accounts on my credit report. It wasn't until XXXX, which was way beyond 30 days, that I finally got a response and was blandly told that these account have been verified, however, I was not provided with any of the five ( 5 ) required exhibits to constitute validation. Without that how am I suppose to complete my own due diligence. 

This is a violation of : 15 U.S. Code 1692g ( a ) ( 1 ) 15 U.S. Code 1692g ( a ) ( 2 ) 15 U.S. Code 1692g ( a ) ( 3 ) 15 U.S. Code 1692g ( a ) ( 4 ) 15 U.S. Code 1692g ( a ) ( 5 ).

My rights have been violated! FCRA 15 U.S.C. 1681i ( a ), it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand not only these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress and damage this has caused me but I also demand monitory relief for these individual acts that violate my rights as a consumer. I have a right to privacy and their non compliance with authority and negligence of reason has caused me too much damage. My information was also impacted by the XXXX  data breach and may have got into the wrong hands.
Product: Credit reporting or other personal consumer reports

A collection agency, XXXX systems, has placed a collection on my credit report. I have requested validation of the debt and they have not provided sufficeint information in regards to the debt that explains what the charges are. I have disputed it with the company and have received a letter from them stating they would stop further collection activity. As of today, the account is still on my credit report as a collection. I disputed this with Experian and provided the letter stating they no further collection activity and Experian still will not remove it from my credit report. Experian instead verified the collection as accurate and closed the dispute. The letter is attached
Product: Credit card or prepaid card

On XX/XX/2021 Citi closed my credit card account ( account number XXXX ). Before closure there was several hundred dollars worth of rewards cash back that was met through normal card spend in accordance with the card 's terms and conditions. Upon account closure none of this cash back was accessible or redeemable. As of the time of submission for this compliant, I have still not been reimbursed or otherwise given the cash back earned and accrued while the account was open and in good standing. Attached with this complaint are the two most recent statements, showing the cash back before ( {$680.00} ) and after ( {$0.00} ) account closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent countless disputes ( over 2 years worth ) and when I get a response from Transunion stating verified they never show the steps as I have asked them to do so.
Product: Credit reporting

Good afternoon, In response to CASE NUMBER XXXX - EXPERIAN AND XXXX added MORE DAMAGE reporting a XXXX CHARGE OFF to an account that is already CHARGED OFF. 

I 'm in need of assistance. I 'm hoping you can see to it that this gets resolved. 

XXXX XXXX had the XXXX lien on my property located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The property went to foreclosure in XX/XX/XXXX. XX/XX/XXXX was the last reported date on my credit report revealing I was 120 days past due. This was my last time since negative. 

XX/XX/XXXX I discovered XXXX was reporting that I had a monthly obligation of {$23000.00} on this old debt. This was reflecting in my monthly DTI. I disputed this information through Experian XX/XX/XXXX when my Credit Score was XXXX. I have been rebuilding my credit since the foreclosure ( XX/XX/XXXX ) and imagined that this erroneously large monthly obligation 's removal would only help me. Instead, XXXX XXXX eliminated the monthly obligation and updated the status to a charge off as of XX/XX/XXXX. 

Now my credit report says I have a RECENT LATE as of XX/XX/XXXX and XX/XX/XXXX - but the last time I was late with payments was XX/XX/XXXX. XXXX recent reporting of my charge off occurred in XX/XX/XXXX and now XX/XX/XXXX because of my recent complaint. They updated their records to reflect CHARGE OFF XX/XX/XXXX. Their adherence to erroneous reporting makes lenders and other affiliates assume I was recently late on my obligations. I DO NOT HAVE A CHARGE OFF AS OF XX/XX/XXXX or XX/XX/XXXX. But as you can see on the evidence provided I was NOT late on any payments in XX/XX/XXXX. ( I have n't been late on any payments since XX/XX/XXXX. ) How could I be late on an account that has been closed since XXXX? Compass wrote that the balance is past due as of XX/XX/XXXX and now XX/XX/XXXX but I was 120 days past due from XX/XX/XXXX. 
LENDERS will NOT approve me for a mortgage because it says I was recently CHARGED OFF. How can I now have XXXX CHARGE OFFS on XXXX ACCOUNT? 
I was recently declined a mortgage because of this reporting. Even though the notes say the Charge Off will drop in XX/XX/XXXX suggesting it is an old charge off their reporting is erroneous and inaccurate and make it appear that this is recent. I DO NOT HAVE A CHARGE OFF IN XX/XX/XXXX OR XX/XX/XXXX. THIS ACCOUNT IS FROM XX/XX/XXXX. CLOSED IN XX/XX/XXXX. YOU CA N'T REPORT ON A CLOSED ACCOUNT. 

Per Experian my Time Since Negative is .1 years ( point one years ). Please help. I have n't been late since XX/XX/XXXX and it is all related to the foreclosure. 

Please help. The Time Since Negative is completely inaccurate. Please remove the negative date and have it report accurately to reflect that the time I was last negative was XX/XX/XXXX. 

Thank you kindly. 

XXXX XXXX
Product: Checking or savings account

On XX/XX/12 I went to associated bank to deposit {$620.00} on my XXXX card and the atm ate my money and gave me a receipt that said transaction can not be processed. I have been In talks with both banks and the {$620.00} was recovered but in order to get it back my bank has to file a dispute. XXXX said they can not file a dispute because theres no record of the amount being deposited. XXXX and Associated Bank spoke with each other and chime told the Associated Bank Manager that they cant file a dispute. Now associated bank refuses to give me my money without a dispute even though XXXX ( bank manager ) said she will handle it with her atm department. I even have video evidence of the atm eating the money!
Product: Credit reporting or other personal consumer reports

Ive requested for a credit report & noticed I have fraudulent accounts in my name. My identity was stolen from me back in XXXX  as I take a look at my report. Im ask that Transunion investigate my complaint for I am a victim of identity theft.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I noticed that my credit card limits had been decreased. My XXXX XXXX XXXX Chase Credit Card ending in XXXX went from a {$7000.00} limit down to {$3500.00} limit. Also, my Chase Slate credit card went from a {$3000.00} limit down to {$1500.00}. In years past the more money I spent on the credit cards the more Chase would increase my limits. More specifically I have a Chase Sapphire credit card which started off with a {$5000.00} limit and is now at a {$13000.00} limit which is Max to capacity. It seemed every six months Chase would increase the limit on the Sapphire card as long as I was spending and kept a balance on the card. Because I maxed the Chase Sapphire credit card out I was trying to be more budget conscious and responsible with the other cards. So, when I would use it I would pay it off. And now it seems because of this I am being punished and impacted negatively with the decreasing of my limits. I am also paying an extremely high minimum payment for the Sapphire card and interest rate. I contacted Chase on XXXX XXXX, XXXX to discuss why my credit limits had been decreased as I have not received a notice or even a phone call regarding the change. I was told the change was made due to many factors in my credit reporting history and a negative reports within the past 36 months On my account however, as I stated in years past the limits had always been increased as long as I was spending and keeping a balance on the cards. I strongly feel that this is not a fair practice as it will negatively impact my credit score which I am trying to repair and maintain. Moreover, when I reached out to Chase on numerous occasions regarding some form of assistance on getting the Sapphire card lowered I was basically told that I dont meet the requirements for any options for any of their programs but they did provide me with the consumer credit agency information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXXN Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card

I load cash onto my CASHAPP account with no issues or my mother or someone else sends me money onto my CASHAPP account with no problems.but there have been times when I need to withdraw the cash from my card off of an atm machine and it asks me if I agree to pay for the withdrawal fee of the machine service of the amount I am withdrawing and the machine service fee of {$250.00} at XXXX machine and {$3.00} at other locations. Push the Enter button to accept and I receive the withdrawal amount. But every time I look at the receipts it shows me that Ive been charged an extra dollar or sorounded up to roughly {$5.00} each time I withdraw cash from the atm machines. To me, thats sceeming extra funds and I feel that Im being ripped off I am an SSI recipient who was victimized in an auto crash at the age of XXXX and I understand being charged a withdrawal fee but no a second hidden fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

this issue was dealt with as an identity theft matter and was removed by XXXX this issue came up from early warnings and should not be its been reported to the ftc to the police and to all possible intities its affecting my well being due to not being able to get accounts recieve loans or further business endeavors in many ways
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this company & never spoke with them a day in my life. I was told by company my information was sold to them but I was not informed of such thing. Now i have XXXX on my credit for a car I do not own nor have in my possession.