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 XXXX.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. 
XXXXFailure 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 XXXX 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. 
XXXXFailure 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 : XXXX XXXX TransUnion XXXX ( 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. 
XXXX 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 : XXXXConduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
XXXXProvide a comprehensive written explanation detailing your investigation process and results.

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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX BALANCED {$450.00} XXXX XXXXXXXX BALANCED {$3700.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX BALANCED {$3800.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$120.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NV XXXX I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Money transfer, virtual currency, or money service

I opened a Cash App account that the company forced me through a series of invasive request for personal identification documents, social security number, biometric data, and everything else except a DNA test. The company sent multiple communications stating that their identify verification criteria had been satisfied, and that the account was approved to be open. 

There account never worked. Both incoming and outgoing money transfers always failed. On XX/XX/year>, the account was locked for absolutely no reason. Cash App for a second time started demanding a series of the same documents the company already possessed. Even worse, the company started demanding personal photographs, and copies of my credit card ; despite having no financial affiliation with this company ; nor any reason to provide this information. 

Cash App does not have real-time customer support. The company uses XXXX to reply to its customers, and then leaves them in a void without any further assistance.
Product: Debt collection

The National Credit Systems information is incomplete or wrong, the date opened account is wrong. I tried to speak with that company to verify my account and paid but they didnt give information about it. My contract date opened in XXXX XXXX XXXX XXXX wasnt at XXXX ; is a error about my account, they are reporting incorrect date opened, please delete this account from Collection
Product: Debt collection

On XX/XX/XXXX MCM Midland Credit Managment called my parents and did not correctly proceed with attempting to verify if I was the person and they gave out account information along with debt amount to them. After I learned about the malpractice action I then attempted to call them and they only verified me by name without asking for any other authentication proof and went directly to tell me about my debt information along with debt amount. I discussed with them the lack of authentication steps taken and told them about my steps to send a complaint to CFPB and to see if any legal matters can concur on the malpractices exercised by MCM.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block inc ) due to inadequate customer service and unfair practices which violates the Consumer Protection Act. Specifically Cash app failed to make timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

They call dont say anything when I answer they hang up they dont leave messages. The calls are repeated if I dont answer. One day it was three or four in a day. They dont say who they are calling for and this harassment needs to stop
Product: Credit card

The credit card would not allow a purchase to be made through XXXXXXXX XXXX for {$170.00} on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I got a fraud alert from citizens card, Suspicious activity on card XXXX Please call us immediately XXXX. Reply STOP to Opt out of Fraud Alerts. After calling the talk to a customer service XXXX, he tried 6 times to get payment to take without without issuing a fraud alert. My son was unable to make purchase at XXXX. On XX/XX/2024 I called Citizen credit card to activate XXXX XXXX usage. The person XXXX is totally incompetent and should be working at a fraud desk call center
Product: Credit reporting

On Friday XXXX XXXX, 2016 I called Transunion and XXXX to let them know that they were inaccurately reporting personal information, specifically addresses on my credit report. XXXX agreed to delete inaccurate addresses that I am no longer associated with specifically the address : XXXX XXXX ca XXXX - Transunion added this address to my credit file and i have NEVER been associated with this address. This address can not be verified by any means as i have never been associated with this residence. They also added XXXX XXXX XXXX XXXX an old address i am no longer associated with. Reporting these addresses on my file inaccurately is putting me at a high risk for identity theft.
Product: Credit card or prepaid card

Someone fraudulently used my American Express credit card number that my son set up for me as part of his account to purchase without my permission four items from XXXX. The items were sent to my address in Maryland. There were two fraudulent transactions. A total of {$92.00} was fraudulently charged to the credit card number for the first transaction on XX/XX/20. A total of {$12.00} was fraudulently charged to the credit card number for the second transaction on XX/XX/20. I did not place these orders. We notified XXXX and American Express of this situation. We were able to return three of the items to XXXX, who acknowledged the return. When I asked for a return invoice from XXXX for the fourth item, they sent a return invoice with the wrong UPC code - a UPC code for an item different from what was sent - and refused to accept the return. American Express has refused to cancel the charges. In addition, we notified American Express of this situation and they canceled the original credit card number and issued a new credit card number. The old credit card number was no longer valid or active. Despite the fact that American Express invalidated the old number, someone fraudulently used the new credit card number to make the last purchase without my permission because American Express linked the invalidated number with the new active number - allowing an additional fraudulent charge. American Express is charging us for items that XXXX accepted for return. It appears that any money was refunded to the person who set up an account that used the credit card fraudulently. 

A piece of clothing was sent ; not lip brushes, etc.
Product: Mortgage

We took out a XXXX  from NBT Bank XXXX XXXX NY in XXXX. The XXXX  was a variable rate loan at the time. In XXXX of XXXX, we paid a fee to lock in the rate. I saw on our bank statement at the time that the bank took the money from our account to pay fee. At the time, it was 3.5 % fixed. I am not a savvy person ; I expected the bank to do their job. I recently noticed that we are paying a variable rate of 8.5 %. I contacted NBT Bank to see what happened. They said that they don't have record of the fixed rate being locked in, but they can see where they took the money for the processing fee to lock in the rate. I've tried to work with them to resolve the problem, but they are saying that they will not go back to that rate of 3.5 % because that is not the current rate. Even though they can see where they took the money required to lock in the fixed rate in XXXX of XXXX. I've asked if there is something we can do to fix the problem, but they just keep saying there is nothing they can do. 

This obviously, this all happened at the height of XXXX. We were not allowed to go to the bank. So, everything was done by email and fax with the bank. We have emails correspondence between us and the bank in XXXX of XXXX where we were receiving documents from XXXX. The final documents were sent to XXXX via Fax. 

I feel if they lost the documents or didn't fill them correctly, that is not my fault. 

All I want is to have the money refunded to me that I was over charged in interest and the rate locked in at 3.5 % as this is what we paid for in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. I am writing to demand that my privacy rights be respected. 

XXXX, XXXX and Experian are in violation of my privacy which the government has sworn to uphold. As a US-based business they should follow the law. Not only have they violated my rights to privacy, but they have also violated the FRCA. They are sharing my information without authorization, consent or written instruction. I have no contracts with these consumer reporting agencies, and they have no excuse for sharing my information with their affiliates. This is invasion of my privacy and extortion. They are threatening to continue disclosing my personal information until I pay.

This is also a violation of the criminal code 18 U.S. code 1343. They are using multiple sources to promote and propagate fraud, extortion and identity theft, 18 U.S. code 1028.

In addition to these blatant violations, there are still more problems unresolved. I expect all late payments to be removed and transactions to be excluded from my report. So much of the FRCA has been violated that I have grown weary of finding violations. I will simply list them as follows : 1. 15 U.S. code 1681a 2. 15 U.S. code 1681b 3. 15 U.S. code 1681c 4. 15 U.S. code 1681i I am demanding the cease of improper reporting and knowing violations as per 15 U.S. code 1681s.

In order for equitable relief, I demand the following items be corrected and/or removed without delay and rapid restoration of my report and score, or I will be forced to instruct the CFPB and FTC to do a thorough investigation. 
XXXX. XXXX XXXX - XXXX - account removed from my report. 
XXXX. XXXX XXXX XXXX- all late payments removed and listed as " paid as agreed ''. 
XXXX XXXX- all late payments removed and listed as " paid as agreed ''. 
XXXX. All XXXX inquiries. 
XXXX. To have all addresses except " XXXX XXXX XXXX, XXXX, Pa XXXX '' be removed from my consumer report. 
XXXX. To have all employers except for " XXXX XXXX '' removed from my consumer report. 
XXXX. To have names except for " XXXX XXXX '' removed from my consumer report.
Product: Checking or savings account

Failure to honor US currency. I attempted to deposit a number of coins into my Harris Bank checking account. The clerk and bank manager stated they would not accept coins unless there were first rolled and refused to take my coins as a deposit. My wife works for a XXXX XXXX XXXX and does lose coin deposits all the time without rolling coins. A bank refusal to accept US loss coin currency from the public ( but does so for business ) is a direct violation of Federal Banking  law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan for a child 's toy truck I paid through XXXX I paid in full before it was due I have verification that I paid in full after I contacted Experian to dispute why they think I still owe XXXX {$56.00} after expiry and already had taken it off showing that I completed payments no other credit reporting agency is saying that I owe XXXX money except for Experian I am a vulnerable adult who has disputed this twice and reached out on the phone contacted Experian for them not to listen to anything I've had to say then retaliated against me when I said I was going to contact the XXXX XXXX XXXX and make a complaint against them committing fraud on my account and affecting me emotionally and physically and financially and subsequently affecting my credit I'm submitted and tried to submit documents based on my behalf and they refused to take them XX/XX/2020 is the first time and they lied committing fraud the i submitted another dispute XX/XX/2020 AFTER i yried calling ove 5 diffrent numbers to get to and actual customer service representative and had to escalate to a manger/ supervisor and she lied through her teeth then closed the dispute today so i couldent submit evidence agian for the 3rd time if i can sign up for Experian then i should be able to have them delete my account which they also refused there dystroying my credit every day by saykng i owe XXXX when i do not!!! Experian retaliates when you as a consumer know your right and what your entitled to they do not get to determine how many times you dispute and the do not get to have access to your account and ssi number if you revoke permissions they are committing fraud!!!
Product: Money transfer, virtual currency, or money service

I had someone call and claim to be with Wells Fargo, they transferred money out of one of my accounts and transferred to a XXXX XXXX XXXXXXXX account. Wells Fargo is saying that thy can not do anything about this and won't refund my money. I have filed a report with the local Sherriff Dept. A warrant has been issued for the arrest for the person who performed the unauthorized wire transfer from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and they violated my rights numerous of times, and XXXX accounts listed below should be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Account : XXXX XXXX, XXXX  DATE OF INQUIRY XX/XX/XXXX Account : XXXX XXXX, XXXX DATE OF INQUIRY XX/XX/XXXX Account : XXXX XXXX, XXXX  DATE OF INQUIRY XX/XX/XXXX Account : XXXX XXXX, XXXX DATE OF INQUIRY XX/XX/XXXX Account : XXXX DATE OF INQUIRY XX/XX/XXXX Account : XXXX  DATE OF INQUIRY XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

XXXX XXXX  : # XXXXXXXX XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX, XXXX. : # XXXX, XXXX XXXXXXXX XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

XXXX 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

I had a reservation for XXXX XXXX XXXX located in XXXX XXXX. Upon checking in the clerk informed me that it would be twice as much as quoted from what I prepaid. I refused to pay anything additional than what I was quoted. Insurance was mandatory, and if I refused the insurance a {$2000.00} deposit plus a {$200.00} gps tracking fee would apply.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an XXXX XXXX on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent documents disputing multiple negative fraud accounts associated with my credit report. Ive sent dispute letters to all three bureaus. Below are the Companies, Account Numbers, and Amount of the disputes I have sent to XXXX, XXXX & EQUIFAX. Also attached below are the letters I mailed to all three bureaus. I would like these removed from my credit as soon as possible. XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXXXXXX {$200.00} XXXX XXXX XXXXXXXX {$530.00} XXXX XXXX XXXX XXXXXXXX {$430.00} XXXX XXXX XXXXXXXX {$2300.00}