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

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance. 
Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : 1. XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
5. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} million for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of the following account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Charging me 360 % interest, I can not afford to continue making payments to interest only which is almost half a paycheck. I have a family to support including XXXX children with XXXX XXXX, my wife is unable to work XXXX   the XXXX.
Product: Checking or savings account

I work for myself. A recent client was over a week late. Several ACH payments came in. I was charged a whopping {$34.00} for EACH as opposed to the bank just kicking them back. There is NO way to opt out of " overdraft protection. '' They call it protection, we call it abuse. I would rather have charges declined. Asked. They will not do it. Further, they only waive a maximum of {$100.00} per YEAR in these overdraft fees. It's entirely unfair. These must come down to just a few dollars. XXXX XXXX has enough money.
Product: Credit card or prepaid card

All of my credit cards with Chase were closed on XX/XX/2020. They mentioned that my revolving credit suddenly increased, but this was because I went on a XXXX vacation with my husband. 

They notified me that they were going to close all of my credit card accounts. I was taken aback immensely because I am an existing Chase Checking Account customer with a combined annual income of {$280000.00} with my husband, and we're XXXX years old working for major companies. As a young adult, I was surprised, as I have never had a late payment. We have many times more assets needed to pay any sort of credit card bill. I never conducted any sketchy business activities. In fact, I use credit extremely responsibly and I simply wanted the credit cards for the benefits they provided at hotels, airlines, etc.
Product: Credit reporting or other personal consumer reports

LexisNexis, You just closed out this complaint - XXXX Your response was " Please see attached letter outlining LexisNexis XXXX XXXX XXXX 's response to the complaint received by your office. '' There was NOTHING attached- there was NO response. Your .PDF is NOT attached. 

I want to receive this .PDF or a proper, thoroughly investigated, response to my complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acima Digital Fka Simp Act. # XXXX Collection/ Chargeoff XXXX Opened {$0.00} High Balance {$0.00} Balance Individual Account Installment Account Type Closed Condition XXXX XXXX Reported {$0.00} Payment Remarks : Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Payments XXXX XXXX Late Payments XXXX XXXX Late Payments XXXX XXXX Late Payments XXXX XXXX Late Payments Compare this account across all bureaus. 
Hide Comparison Reported Condition Balance High Balance Payment Status Late Payments Amount Past Due Type XXXX Closed {$0.00} {$0.00} {$0.00} XXXX XXXX {$0.00} Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, I am trying to refinance my first mortgage and shellpoint mortgage services has my second mortgage. I need to subordinate the second so i can refinance my first. I along with my lender and title company have been trying to get a hold of someone to get us the subordination requirements and steps that need to be taken. Every time we call and get transferred to the subordination department it is a voicemail and we leave our contact info but no one ever call us. The same with the email. We have sent many requests via email with no reply.
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. Account name : XXXX. XXXX XXXX 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. Delete this accounts
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to XXXX XXXX. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX 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: Debt collection

In XX/XX/XXXX i received a phone call from a debt collector claiming to represent an overdue XXXX account. I did not recall being a XXXX member and was suspicious.After checking the collectors name online multiple results came up calling the company a scam particularly claiming past due XXXX accounts. When the collectors called me again i called them out on the scam and the warnings on the web. i did not hear from them again until XX/XX/XXXX when another collection agency called me under a different name but with the same past due XXXX account. unlike in XX/XX/XXXX i demanded some form of paperwork proving any such deal between myself and XXXX.no such paperwork could be produced but they did send me a bill wich i have kept on file. They identify themselves as Diversified Consultants , Inc . ( D.C.I. ). I checked them online again and more warnings came up as results on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from CB/CAESARS, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CB/CAESARS and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CB/CAESARS with no successful resolution. XXXX, XXXX, and XXXX reported me 30 days late in XX/XX/2022. There was an error on their part. I was never 30 days late twice.
Product: Debt collection

The xompany in question XXXX XXXX XXXX XXXX locaye in XXXX Colorado has violated the laws repeatedly. This office in XX/XX/XXXXand XX/XX/XXXX filed a suit against me for a debt that i do not owe them. I had health issue that are not for this company to know i was not able to go to court. 
More surprisingly this comoany never validated this debt, This company has never submitted a contract bearing my name and the company listed above that says i agree to pay them a debt. 

XXXX XXXX must validate a debt before any collection activities should conitnue. 

I challenged this company to prove that i owe rheri company the debt in question and they havent. 

Furthermore this company has ruin my good credit rating they have caused me to close one of my bank account In XXXX XXXX XXXX, theu have taken money out of my XXXX XXXX XXXX XXXX  account, this is nothing but a form of fraud, they have caused me embarassment, continued stress and have shown willful intent to destroy my credit rating. 

This company preys on consumers not knowing the law, but i am XXXX and bu federal law this company violated my rights my going into my accounts, this fraud and i take this very serious. 

This company isnt owed nothing from me, they have damaged my credit score, still not providing a signed contract between the above comany and myself. This co.pany listed above has violated the laws of the FCRA, FCPA, and this is unacceptable as a usa citizen. 
I
Product: Checking or savings account

Wellsfargo closed my acct and my daughters due to fraud on acct. I never commutes and fraud on my acct. my card I forgot in the atm. When I realized my mistake I returned back to the bank and was given my card by an associate in wellsfargo. I was a bad practice of mines but my pin was on the back of the card, because my daughter. I was sent an email as well that I noticed hours after forgetting my card sent by an employee of wellsfargo. All four of my accts were closed stating fraud. They deducted {$800.00} from my acct and mailed a check with the remainder balance. I was truly upset as when I found my mistake I immediately visited the bank. My acct # XXXX my checking. I cant remember my other accts. My acct was closed XX/XX/XXXX or XX/XX/XXXX. {$400.00} was removed from my checking and {$400.00} from one of my savings. Ive rarely had an issues with my acct. Even when I was charged {$450.00} of overdraft fees for purchases made in XXXX on vacation. All purchases made were under {$12.00}. I never have I opted into overdraft because I rather get denied than pay those fees. Yet, I was still charged instead of being denied. After being in good standing many years with bank my acct was closed and funds deducted from accts to cover {$800.00} associate led with fraud. 
Wellsfargo previously waited until XX/XX/XXXX to finally give a resolution that enough info was given, and I need to provide info and send by mail to them. So my issue could be investigated immediately. This is really upsetting, because they had ample time to request that information with in the 60 days but they didnt! Which allows me to believe my issue was ignored and will continue to be ignored! Since there fraudulent employees didnt follow proper procedures, and closed my acct. I dont have any of my banking statements for this incident as my access to online banking was deactivated.
Product: Credit reporting or other personal consumer reports

i ve been in the XXXX XXXX over seas for years and my own family members used my identity and opened accounts under my name so many times and even got phones and internet under my name and opened all these accounts while i was over seas i called the cops and made a case 3 time the last one was ( case number : XXXX ) agent XXXX and i went to a lawyer to threaten them by law that i will sue them i attached the letter it was in XXXX  and still everything is on, 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. 15 U.S.C 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish an 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, other than records of convictions of crimes which have dates the reports 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 these are all the tracking number for all these certified letters : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit went from a XXXX to absolutely no credit for no reason in XXXX and XXXX And really screwed thing up for me getting any type of financial help. I have since git it back up to a XXXX but I want to know why all of a sudden my whole credit score was erased
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE SECOND TIME TRANSUNION HAS REPORTED THIS INACCURATE INFORMATION ON MY CREDIT REPORT. 

On XX/XX/2022, I checked my TRANSUNION Credit Report that is linked, Mission : Credit Confidence to my XXXX XXXXXXXX XXXX Account, ONCE AGAIN. To my surprise, TRANSUNION is falsely, inaccurately reporting and sabotaging my reputation, by reporting on my Credit Report that, I have 1 recent XXXX XXXX BANKRUPTCIES. This devastating fraudulent inaccuracy is saying that I filled a BANKRUPTCY on XX/XX/2022. I ASSURE YOU THAT, I HAVE NOT FILLED A XXXX XXXX BANKRUPTCY on XX/XX/2022. And then it says, the Bankruptcy was dismissed 3 days later, on XX/XX/2022. REALLY? My husband and I are in the process of getting ready to purchase a home. 

When Transunion reported this same similar sabotaging inaccuracy on XX/XX/2022, After our Realtor was made aware of this falsely, inaccurately reporting and sabotaging my current reputation, she immediately said this would be an issue, because I couldnt have any RECENT BANKRUPTCIES less than 2 years on my Credit Report in order to possibly move forward in the purchasing of our first home. DO TRANSUNION HAVE ANY IDEA WHAT THIS HAS DONE TO ME! I literally have been DEPRESSED ever since my Realtor stated that to me. I was so devastated over this, I didnt even go out of town with my Family and to celebrate my Aunts Birthday with her, because theres a STRONG possibility that my husband and I wont get the home we have our eyes on, due to this FALSELY AND INACCURATELY REPORTING. So, the home that my husband and I have our eyes and hopes on of purchasing, may possibly be purchased by other buyers, due to TRANSUNION FALSELY AND INACCURATELY REPORTING THIS ON MY REPORT. Now, I spoke with XXXX XXXX on Friday, XX/XX/2022 about this FALSELY and INACCURATELY reporting on my TRANSUNION Credit Report they share with them. And I was told by XXXX XXXX that they ( XXXX XXXX ) did have anything to do with this. All they do is provide us ( MEMBERS ) a free access to our Credit Report provided, by TRANSUNION.
Product: Credit reporting or other personal consumer reports

I received my credit report for the first time in a while today and I have multiple of inquiries on my credit report that I believe are fraudulent. I did not authorize any of these companies to run my credit. My identify has been stolen. I have expressed my concerns with XXXX already because someone with the same name as myself accounts were generating on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in XXXX. Someone with the same name or just used my name, opened an account with XXXX XXXX  ( XXXXXXXX XXXX XXXX  ). They used my SSN to open the account sometime around XX/XX/2022 in XXXX XXXX. By XXXX, {$2900.00} was owned on the account. On XX/XX/XXXX, I received an email alert that at Potentially Negative- Major Derogatory appeared on my credit report. I immediately disputed it on XXXX, and I contacted GC services ( collection agency ) to inform them that it was fraudulently opened under my name and SSN. They said it was actually above {$3000.00} at this point. Then I called XXXX and we decided to close the dispute and report it as fraud. I received a letter from the collection agency on XX/XX/XXXX along with some of the bills that were sent to the Illinois address. I wasn't quite sure what they said in the letter. So, I contacted them again and they said we were all good. It seems like XXXX agrees. I continue to see the collection on my credit report. I keep disputing that hoping to have it removed. It was fraud but yet it continues to hurt my credit rating. Is there any way to have it removed?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for debts and credit inquiries that are reporting on my credit report. These following companies are not mine and do not belong to me. XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX XXXX on XX/XX/2023, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX. These are accounts and inquires on my Credit Report that I am not liable for. Also on my Credit Report I am a cosigner with XXXXXXXX XXXX It is stated that I am responsible for Late Payments. I have requested the original contracts for all above accounts which I still was not provided with and XXXXXXXX XXXX has not provided documents of late payments which I also requested.
Product: Credit reporting

I tried to register with credit cards so I could see my credit report and score. Well when in want to set up my account and put in my info i got to where they were asking the questions2 identify me and all but 1 of the questions had nothing to do with me so i answered none of the above because it was asking about a mortgage loan companys name and car loan payment amount that I had never heard about or seen before to verify my identity so I thought it was a trick question for both if them so as I said I answered none of the above. Well it would n't verify my identity since it said i got them wrong. Well so then I tried to scan my license front and back as it requested for 4 and half hours over and over to get to my report 2 make sure no1 had taken my identity and a loan in my name but it would n't confirm with the scans of my drivers license either. So tgen I wrote the company XXXX and told thrm my issue and they responded that they were sorry that if I ca n't be verified then I ca n't get and register an account with them for my reports that I would have to request the reports individually on the XXXX websites. So i went to the XXXX bureaus I requested all XXXX. I only ended up with my XXXX report and none of the otuer XXXX because I had the same problem with 1 of them in answering the verifying personal account questions and the other said i already requested my report this year but i did n't the only time I have applied was to XXXX and i never made it thru 2 get or request my reports on their site. So I 'm having MAJOR issues and I 'm worried that this is happening that some1 has likely gotten a hold of my identity and need some help getting 2 the bottom of this please ... .ASAP if at all possible im case it is identity theft. Thank u.
Product: Credit card

On XX/XX/2023, I made a payment for the full balance owed. However, Venmo Credit Card sent me a message stating that there was an error and the payment did not go through. When I tried again, the payment went through for the full balance. However, Venmo Credit Card took TWO payments, even though it sent me a message that the first payment did not go through. Venmo refused to cancel the duplicate transaction and said I had to wait 7 to 10 days for a refund check, which I did not receive. I had to call again today, and now they are saying I have to wait another 7 to 15 days. Venmo refuses to refund my money promptly or pay interest for holding my money without authorization. Meanwhile, if that were a balance I owed, I would have to pay interest to Venmo. I never authorized the duplicate payment. Because of Venmo 's error, it should have cancelled any duplicate payment that it charged, or otherwise if it had to send a check, then it should be overnighted to my address. I should not have to wait a month for a refund of money that I never authorized Venmo to take. Additionally, Venmo should pay me 29 % interest for the time it held my money without my authorization, as that is the percentage Venmo charges its customers.