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

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

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

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

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

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

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

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

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

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX  Account # XXXX, XXXX account XXXX XXXX, XXXX XXXX  account 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
Product: Credit reporting or other personal consumer reports

I have no liability to I C System INC for they are a third party debt collector and I have contract no with them. I C System INC brought the debt from XXXX XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not be reported to credit report because it turns into a certificate of indebtedness. I would like I C System Inc to provide me the direct contract between them and XXXX XXXX showing that the are authorized to collect for XXXX XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or way to out of I C Systems and XXXX reporting this to my report.
Product: Money transfer, virtual currency, or money service

Paypal closed my business account ( XXXX XXXX XXXX ) on XXXX XXXX. The message I got from them is that I violated their User Agreement and they are holding the money in my account for 180 days. My business transaction was legitimate. My investor sent $ XXXX through paypal for 1 % ownership in our feature films. Little did I know Paypal took {$150.00} of it and now the balance is {$4800.00}. I agreed to send him a refund so he can do a cashiers check for $ XXXX. That's when Paypal put an accounts limitations on it and requested docs which I sent. After docs sent I got that dreadful message not allowed to do business with Paypal.. I've been trying to get a hold of someone for an explanation, but this " relevant '' team they forwarded my problems to never got back to me. All I want to do is get access the money in my account and refund my investor, bur they put this ridiculous hold on my account without even telling me the reason. They have been trying to refund the $ XXXX through my business checking account twice and I got a {$29.00} NSF fee each time because of it. I can't understand why they would try to get the $ XXXX from my account when the money is the the Paypal account. These guys are shady. I simply want to get access to my money and give the refund to my investor. I don't want them trying to get it out of my checking account like they did twice before. My investor has been waiting 12 days now for a refund and shouldn't have to wait anymore. Paypal shouldn't be trying to get the money out of my business checking account either when the money is in the Paypal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXXXXXX Balance : {$12000.00}, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$70.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had 2 credit cards through the same bank. Both cards were charged many time for various amounts of money from some international company that I never authorized. The charges were over {$20000.00} and I am currently in the process of trying to get copies of the statements. The bank that issued the cards erased the statements from my online account. I was going through a health crisis at the time and was not able to dispute the charges. That bank consequently sold the accounts to a collection agency and they directed me to this site to help. I am working on gathering information but seem to be unable to do so now that a year has passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of credit report please see attachments below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received " You're Pre-Approved '' email. When I applied, it was denied and caused a hard inquiry on the credit reports.
Product: Debt collection

On XX/XX/2019 the collection agency HUNTER WARFIELD ( address & phone number below ) filed a {$940.00} collection entry against my credit report on behalf of the original creditor XXXX XXXX XXXX XXXX regarding a lease for a property at XXXX XXXX XXXX XXXX, FL XXXX that they claim I am responsible for. note that the lease they provided is INVALID as the LANDLORDS/Owner ( s ) of XXXX XXXX XXXX XXXX, FL XXXX were - and still are - XXXX, XXXX and XXXX, XXXX [ Tenants in Common ] evidenced by the XXXX County Tax Record file attached. The correct VALID lease provided by XXXX XXXX XXXX ( attached ) reflects this ownership as well. The INVALID lease provided to me by Hunter Warfield ( attached ) indicates that the Landlord/owners of XXXX XXXX XXXX XXXX, FL XXXX were XXXX XXXX and XXXX XXXX which is incorrect ( ie not a valid lease ). I have provided redacted versions of both leases along with a screen shot from the XXXX County Florida Property Appraiser indicating correct ownership of the property located at XXXX XXXX XXXX XXXX, FL XXXX. I have never signed a valid lease for XXXX XXXX XXXX XXXX, FL XXXX nor have I ever resided at the property and therefore dispute this charge in its entirety. Unless Hunter Warfield is able to provide a valid lease I request that the debt immediately be removed from all credit bureaus to which it was submitted. If Hunter Warfield feels as though this lease is legitimate I request that they provide evidence of the LANDLORDS mentioned, XXXX XXXX and XXXX XXXX. 

Thank you, " XXXX '' XXXX XXXX ( XXXX ) XXXX XXXX   XXXX Contact information for Hunter Warfield XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX Collection account # XXXX
Product: Credit reporting or other personal consumer reports

I saw my credit report and noticed that there are some inaccurate accounts showing up. I don't have any idea why they're showing up inaccurately but I want them gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many student loans and an acct on my credit report that Do not belong to me I have not applied for these I have not signed for these or applied for these!!!! I have sent multiple letters to bureaus and furnishers but have not received anything back. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed this matter about inaccurate information on my credit report. I never had a contract with  XXXX   XXXX . Transunion removed this collection agency off my report {$4300.00} it was placed back on  XXXX / XXXX / 17 . I called Transunion about this, it went from open to closed collection. When added back it cause my score to drop  XXXX  points. I asked how this was verified they could n't give me a explanation.  XXXX   XXXX  ca n't give them prove because they never provided validation to me. Please check into this matter because it this information is incorrect. Its reporting on all my reports. Closed on Transunion and open on  XXXX ,  XXXX .
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX
Product: Student loan

My Unsubsidized and Subsidized loans originated in XXXX of XXXX ( a  consolidation of my XXXX studies at XXXX College in MA and the XXXX XXXX XXXX in XXXX XXXX ). Since then I have been paying them back without default or forbearance. In XXXX of XXXX, I began working for the XXXX XXXX XXXX as a XXXX XXXX employee. Within that year, I called XXXX inquiring about the public service loan forgiveness process having heard about it on the news. I was told that I did not qualify. Fast forward about eight years I again called XXXX to inquire, this time having heard about the program from my XXXX ( XXXX XXXX ). During this second inquiry, I was told that my public service did qualify but my service and payments for the past eight plus years didn't count since I wasn't on an Income-Driven Repayment Plan. When I asked for monthly payment quotes for the income-driven repayment plan, thinking I would still try to take advantage of it given I have about 25 years more of work and over 20K in student loan debt, the quote they gave me was astronomically high. They then offered me a graduated plan which is unrelated to PSLF ; I am on this graduated plan now as it seems to be my only choice. I believe I was intentionally lied to in XXXX ( and possibly two years ago when I called a second time ). If XXXX had given me the correct information in XXXX, my loan would have been forgiven in XXXX of this year. I have over {$20000.00} left on my loan and without it being forgiven I will be paying it back until XXXX. What happened to me was not right and I'm sure I'm not the only person this happened to. I appreciated you taking the time to hear my story and I look forward to your response. Take care.
Product: Credit reporting or other personal consumer reports

ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THIS TRUST UNAUTHORIZED ACCOUNT READS : XXXX XXXX # XXXX TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT AND IVE FILED An FTC REPORT XXXX UNDER OATH I HAVE NO CONTRACTS WITH THIS COMPANY AND THIS ALLEGED DEBT ALSO IF THIS WAS MY DEBT THIS COMPANY ISNT EVEN LICENSED TO COLLECT IN THE STATE OF TEXAS. ALSO I HAVE NO DEBT REPORTED WITH THE SECRETARY OF STATE WHICH IVE SUBMITTED A CERTIFIED NOTARIZED COPY .IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER RIGHTS AND HUMAN RIGHTS PLEASE DELETE ALLEGED ACCOUNTTTTTTTT IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTER ANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. 
ABUSED, XXXX XXXX XXXX UCC 1-308
Product: Checking or savings account

On XX/XX/XXXX I dispute a charge for XXXX dollars because the salon ruined my hair and they didn't advertise no refund and refuse to return my money I sent chime bank All the information and evidence needed and several times I rebuttal my dispute and they never used the information I gave them and I was denied every time
Product: Checking or savings account

On XX/XX/24, I went into the Bank of America XXXX BofA ) branch, located at in XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, to deposit a {$5000.00} check. Before depositing it, I specifically asked the relationship banker, XXXX XXXX, when the funds would become available. The reason I asked before making the deposit was so that I could travel to my other financial institutions or the issuing bank of the check, if BofA was not going to release the funds in a timely manner. I had seen numerous complaints online about BofA holding customers ' funds for an unreasonable amount of time, so I specifically wanted to know the precise date and time when my funds would be released. XXXX confirmed that the funds would be available on XX/XX/24 at XXXX XXXX  and she provided a " notice of hold '' document confirming that the funds would be available on that date and time. The " notice of hold '' document is attached for reference. XXXX also stated that if the funds did not become available on that date, that I should come back and see her and she would help. 

On XX/XX/24, I received an email from BofA that my funds wouldn't become available until XX/XX/24, a full XXXX days after my deposit and XXXX days after their " notice of hold '' document stated they would become available. I went back to the branch to speak with XXXX and she told me that there was nothing she could do. She said that I either needed to make an appointment at a completely different branch or that I could call Customer Service. At this point, XXXX lied on XXXX different occasions, the first when she told me the check would clear on XX/XX/24 and the second when she told me she would help if it didn't clear on that date. 

As a result of my conversation with XXXX, I called BofA 's centralized customer service. They indicated that the deposit would not be available until XX/XX/24. Since I didn't trust that answer as it conflicted with the email that they sent me, I called a couple more times after that and each time, they confirmed that the funds would become available on XX/XX/24. Anticipating the release of funds the next day, I called one more time on XXXX. This time, the representative stated they could not see any date when the funds would become available. I then asked to speak with a manager and was transferred to XXXX ( employee ID # XXXX ). XXXX confirmed that the funds would not be available until XX/XX/24, ten days after the deposit was made. Despite informing him that the XXXX provided a date that was eight days sooner along with documentation to confirm that date, he would not release the hold. I also let him know that this was not a personal check that would pose any risk for the bank. It was a check that was issued by another bank and it had already cleared that other bank. Despite this information and the fact that I have been a customer with BofA for more than XXXX  years, XXXX refused to release the hold, despite acknowledging that BofA had made errors. I indicated that we would be contacting the CFPB to file a complaint, but he didn't seem to care whatsoever.
Product: Vehicle loan or lease

A checking account was open in my name and products and services was issued on my behalf without my knowledge.wellsfargo sent a letter I went through the process.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX ITEMS IN DISPUTE : collection/charge off : XXXX XXXX XXXX XX/XX/XXXX {$58000.00} XXXX XXXX XXXXXX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4300.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1700.00} late payment : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XX/XX/XXXX inquiries XXXX 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 card

I would like to file a complaint against Verve MasterCard Company, due to the extremely high late fees and interest rate. I have tried to contact these people to work that out and it looks like every month they are taking on over hundred dollars worth of fees that is way too high for any credit card I own for credit cards and none of them is this high, please help!!!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have several unknown addresses and inaccurate file information that needs to be updated properly. My current and only address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please delete all other unkwown addressses they are not correct. I have a inaccurate Social Securty number on my credit report SS : XXXX, please delete it at once. My name is NOT XXXX XXXX please remove the extra name from my credit report. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Following addresses need to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX