23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct.In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT.

Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Santander has sold this account and the vehicle was removed and they put it back on with a different date. It was sold to XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was doing a credit sweep with the ( XXXX ) credit bureaus that's out there. I took a notice of XXXX bureau in particular. TransUnion in particular. TransUnion is reporting that I'm incarcerated when I'm not. It is against the Fair Credit Reporting Act to report false information on a consumers credit report.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX, and again in XX/XX/XXXX, I noticed that XXXX XXXXXXXX XXXX  was reporting my name and personal information as being an authorized user on an account I never authorized to open. 

On or around XX/XX/XXXX, I contacted my local law enforcement officer who had previously conducted an investigation surrounding my compromised and stolen personal information. It was determined by detectives that XXXX XXXXXXXX XXXX  account number ( XXXX ) was opened without my written or verbal consent. In addition, in a review of all documents and due to having " Frozen '' account and notices to contact me prior to the extension of credit that XXXX XXXX never formally inquired on my credit file. Based on the information and investigation my name and personal information was used to be added onto an account I never opened or authorized. According to law enforcement the file was deemed as identity theft in violation of Ca Penal Code 530.5 ( a ).
Product: Debt collection

Carter-Young , Inc was contacted several times to dispute a fraudulent rent charge they applied to my credit report in the amount of {$2400.00}. I provided documentation showing I moved out of XXXX XXXX XXXX in XXXX with nothing owed. 

If I had owed any back rent, I would not have received a new housing voucher from XXXX XXXX XXXXwhich was received. 

I requested documentation of what they showed me owing. Carter-Young sent me a ledger sheet showing I owed a XXXX ( XXXX ) balance. It also showed I moved out in XXXX, which was incorrect. I moved in XXXX. 

I want this fraudulent amount removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Formal Complaint Against Equifax - Improper Reporting of Charged-Off Account Dear CFPB Representative, I am writing to file a formal complaint against XXXX for their continued and improper reporting of a charged-off account on my credit report. Despite my repeated requests for a proper investigation, Equifax has failed to correct the inaccuracies related to this account, which has resulted in the ongoing violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Name : [ XXXX XXXX XXXX XXXX  ] Account Number : [ XXXX ] Original Charge-Off Date : [ XX/XX/XXXX ] This account was charged off on [ XX/XX/XXXX ]. Since the charge-off, Equifax has continued to update the account as charged off every month. This constitutes an improper update to the payment history of the account. A charged-off account should not include an active or ongoing payment history as it inaccurately extends the statute of limitations and falsely represents the status of the account. 

I have previously disputed this account with Equifax on two separate occasions, requesting that they correct the reporting errors. Unfortunately, Equifax has failed to conduct a proper investigation and continues to report the account inaccurately, in direct violation of my rights under the FCRA. 

I am requesting that the CFPB intervene in this matter and ensure that Equifax conducts a thorough and accurate investigation into the reporting of this account. Given Experians continued neglect and violation of my rights, I am demanding the immediate deletion of the following account from my credit report : Account Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] I trust that the CFPB will take swift action to address this issue and hold Equifax accountable for their failure to comply with federal regulations. Please keep me informed of any actions taken regarding this complaint. 

Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, XXXX. ) XXXX to irl-lie qual customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process XXXXwas untair and deceptive, as they didinot '' comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft I have sent a notarized affidavit to transunion, I have requested tangible evidence of a signed contract with my name. They keep sending me a bill from XXXX. 
Transunion is breaking the law with inaccurate information they are reporting on my credit file, they are not even answering my calls when I've called several times to speak with someone.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally dispute and demand the removal of inaccurate account information that XXXX XXXX has furnished on my credit report, as provided by XXXX. It has come to my attention that this account information is erroneous and violates my rights as a consumer under both federal and state law. 

Upon initial investigation, as mandated by federal law, XXXX  was required to obtain consent from me, the consumer, before including any information provided by XXXX XXXX  on my credit report. However, XXXX  failed to adhere to this requirement, thereby violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, in the state of XXXX, where I reside, there are specific laws in place to protect consumers like myself from such infringements. XXXX  law stipulates that consumer consent must be obtained before any private information is furnished to credit reporting agencies. Equifax 's failure to obtain my consent directly contravenes this statute and constitutes a breach of my privacy rights. 

I want to emphasize that I did not give XXXX consent to furnish my private information, nor did XXXX  contact me upon the initial investigation as required by law. This lack of communication and disregard for proper procedure has resulted in unjust and damaging information being included in my credit report, which can have significant repercussions on my financial well-being and future opportunities. 

As a remedy for these violations, I demand that XXXX  take immediate action to : Remove the inaccurate account information furnished by XXXX XXXX from my credit report. 
Cease any further reporting of erroneous information from XXXX XXXX or any other unauthorized sources. 
Provide written confirmation of the removal of said information from my credit report within the legally mandated timeframe. 
Take steps to ensure that proper procedures are followed in future investigations, including obtaining consumer consent and conducting thorough and accurate assessments of reported information. 
Failure to comply with these demands will result in further action being taken, including but not limited to pursuing legal remedies available under the FDCPA and FCRA. I expect a prompt and satisfactory resolution to this matter and will be monitoring my credit report closely for any updates. 

Please acknowledge receipt of this dispute letter and inform me of the actions being taken to address the inaccuracies outlined herein. I can be reached at the contact information provided above. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID Fraud. I have never opened nor authorize anyone to open an account on my behalf regarding Portfolio recovery. I have never had an account with XXXX as well who is the original creditor. Please delete this from my credit asap.
Product: Vehicle loan or lease

I tried to trade my car in not being informed the worth of the car until I started looking at something new. My car value is {$2000.00} and they want me to pay {$22000.00} with {$820.00} a month on this car. I only had the car for two months
Product: Mortgage

The county I live in sent a tax bill for XX/XX/2016 that was about {$1600.00} more than what I actually owed. I contacted them asking why my payment had gone up {$300.00} a month and literally had to spend hours asking them to explain why before I came to the conclusion that my taxes must have been messed up. I contacted the tax assessor office the same day and they contacted me shortly after saying they sent a refund back. I emailed Amerihome telling them they were sent a refund and it has taken them a month to process that. I STILL do n't have an updated statement ans was told they would send one shortly, but then was also told in that email that my payment still is going up by {$100.00} a month. I have had to email AGAIN to try to find out why my payments are still being increased even though I straightened out the tax issue and I am waiting on a response. I have never had to spend such a ridiculous amount of time trying to do what essentially should be their job. I do n't understand why my mortgage is being increased after resolving the original reason for the increase, I ca n't get any reasonable answers when I call them - the people I 've talked to when I call give the impression that they have no knowledge of the mortgage process and i am beyond frustrated. I need an answer that makes sense and I need my mortgage put back to the amount I should owe with no increase! I just received another statement in the mail today that shows I still owe way more than I actually do from the incorrect tax amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE STOLE AND USED MY SOCIAL SECURITY NUMBER AND PHOTO ID THESE ACCOUNTS ARE FRAUDULENT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX converation with rep at company 's XXXX  number was told title would be returned within 7-10 business days XX/XX/XXXX converation with rep at local location where loan originated ... .was told " could not separate pieces of a loan.. can not return title to me .... '' they were happy to create a separate loan on the basis of receiving my auto title.
Product: Credit reporting, credit repair services, or other personal consumer reports

Phoned to make {XXXX} payment over the phone on XX/XX/22. Balance was previously paid in full, yet accounts keeps billing at 28 %. 
Expressed all of this to representative and that I was attempting to pay off card for the second time. Was assured it was handled. 

Friday I received my statement indicating I was 30 days past due and that my payment was reversed. Received credit alert this morning indicating they had reported my account delinquent as well. 

Phoned them and was told they had incorrect checking information for me. My account numbers have not changed in over 15 years, I use XXXX XXXX. Once I read the checking and routing information to the representative, she confirmed it was incorrect in their system. I asked her to make note of same and she processed the payment again. 

My phone number nor email address have changed. Other than this statement received Friday this is the first I was made aware of their mistake. 

The representative processed my payment this morning and has removed the late fees that were tacked on as a result of their error. I am simply attempting to have the delinquency removed from my credit report immediately. 

I asked to speak to a supervisor, XXXX who refused to accommodate or assist me with reversing the delinquent mark on my credit report. 

I even went so far as to state that mistakes happen, human error exists. Yet, it appeared the supervisor was insistent upon reading her script. 

Note : the statement says returned payment, thats incorrect as they didnt have correct account to initiate a withdrawal. I have attached a screenshot of my account which shows that my other two Comenity accounts withdrew their payments successfully. The screenshot also shows the balance on the date of XXXX.
Product: Credit reporting or other personal consumer reports

The following credit inquiries currently listed on my XXXX XXXX, Experian and XXXX credit report is fraudulent, unauthorized, not my credit inquiries and is the result of identity theft : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I opened my XXXX account on XX/XX/2015 and was able to connect my first, original PNC account just fine. For the past two (  maybe three ) years, I wanted to close my XXXX  account, but I am unable to connect my XXXX account with my new PNC account. 

I just want to withdraw my money from my XXXX account!
Product: Checking or savings account

Chime Bank otherwise known as XXXX, XXXX. has taken {$3000.00} from my main checking account on XX/XX/XXXX. my balance was XXXX then I withdraw money at the counter of a local bank with debit atm card for {$3000.00} and had a remaining balance of XXXX, two hours later my account with overdrawn with a balance of - {$1500.00}. I did no additional transactions in that time. I called chime to report the issue on XX/XX/XXXX they agreed something was incorrect and I shouldn't be overdrafted. They said they would follow-up in 24-48 hours they never did. I called Monday XX/XX/XXXX and they informed they had to escalate the issue to a back end department due to it being a " glitch '' on chimes end. The informed they have 2 systems, one customer facing and the other a back end system. The back end system reflects my true balance of {$5500.00} but it's not updating on my end. I can only see that I have XXXX, and I can only access that much. They informed me again someone would be in touch via email regarding the issue. They confirmed they had the correct email. I then called back XX/XX/XXXX and they informed they escalated it again and someone would be reaching out in 24 hours. I never received anything, so I called again today XX/XX/XXXX and spoke with multiple supervisors who informed there is nothing they can do to resolve it, their back office has to review it and contact me. I was very upset and told them this back end office has never reached out, I have no updates or timeline when I will get my money back. I XXXX XXXX XXXX XXXX XXXX XXXX this situation has crippled me financially and chime/XXXX  seems to not even care.
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 USC 1681. 

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX ) XXXX Account # ; XXXX, has violated my rights. 

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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

To my notes, end of XX/XX/XXXX, I applied for a credit card. A special limited time offer for XXXX members. The card was approved and issued from XXXX XXXX XXXXXXXX with a credit line of XXXX XXXXXXXX XXXX promised a XXXX XXXXXXXX statement credit after using the card, making purchases of XXXX XXXXXXXX or more within the first 90 days. They promised automatically receiving the credit on my statement after qualifying. 
Even I met the criteria, I didnt get the XXXX XXXXXXXX and I was waiting until end of the year, I called XXXX  beginning XXXX, they promised to take care of this. I called again and again and XXXX promised to fix this problem. 
On XXXX XXXX I get a letter from the Comenity Bank XXXX telling me, that Comenity Bank will take over all the Credit Cards from XXXX XXXX informing me about coming changes to my XXXX XXXX XXXX  XXXX  credit card. Meanwhile Comenity Bank send me a new card, which was activated on or around XX/XX/XXXX. 
I checked the available statement at Comenity Bank but could not see the promised XXXXXXXX XXXX XXXX. When I called XXXX to find out about the status of my Reward, I found out that there was not any account information on the internet, my account was not existent anymore. When I called XXXX they said that Comenity Bank have all information, ast they took over the accounts and told me th

at Comenity Bank is responsible. When I contacted the Comenity Bank several times, they said I have to be patient, as they have a lot of trouble with taking over the credit card accounts. So I was patient again. They promised to put the Award at the next following first day of month to my account, but nothing happens again! 
I contacted XXXX in this matter, which promised to convey with Comenity Bank, but they didnt get also no answer. 
When I see the reputation and meaning from other people, Im wondering that such a Bank get the license to administer the money from the folk.
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 CorpXXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
Ramirez v. TransUnion LLC ( XXXX ) : 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 XXXX XXXX. XXXX and XXXX. 

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 CARD XXXX, XXXX XXXX XXXX, XXXX CARD XXXX