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 and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. 
. I submitted my initial dispute on XX/XX/XXXX 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 : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : 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. 


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

A Moneylion account was opened under my name on XX/XX/2021 in the amount of {$1000.00}. This account was not opened by me, it has been affecting the closing of my first home. I have been trying to contact the fraud department of Moneylion multiple times and they always tell me that i will get a call back. Nothing has been done. This is a fraud account. They said that they would close this account which they never did and have been reporting late payments and this has been affecting my credit score greatly.
Product: Debt collection

there is a electric bill in my name from XXXX energy that I disputed years ago. they said I owed XXXX and I never believed that I owed that much. years later I receive a letter in the mail XX/XX/2017 stating that I now owe on the same bill XXXX which is ridiculous. I do not agree with paying this large amount. especially when the beginning was only XXXX which I felt I did n't owe that much.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Experian to verify the disputed accounts and remove them if unable to prove that the accounts are mine. Experian is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Product: Student loan

If you read their print, they charged {$0.00} service fee for each transaction we made online. If we make payment via telephone, they charged {$10.00}. I've dealing with other company like XXXX, I understand if company charged via phone call because they want to lower the labor cost. However, charging us {$0.00} each time we make payment is not fair at all. Comparing to how small my loan is, I feel this act is completely rip off and I do not appreciated that. I do not know how other students handle this but I've never heard any loan collect company do this. If possible, transfer my loan to XXXX so it is easier for me to make my payment and view my account. Their website is really out of dated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

DEPTEDXXXX  XXXX {$3000.00} DEPTEDXXXX XXXX {$4800.00} XXXX XXXX  XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Ive noticed some unfamiliar items on my credit report that suggest my identity may have been stolen, as I didnt authorize these accounts. Ive raised this issue before, and now I urgently request the removal of these accounts. Their presence is causing me significant stress and misrepresents my actual credit history and financial management. If this isnt resolved, Im prepared to pursue legal action to protect my rights. These erroneous entries are seriously hindering my financial goals, such as buying a house and supporting my family. I hope we can resolve this swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently they are reporting I paid all last year late and I have XXXX payments over 30 days late. I disputed it with XXXX and told them they need to correct it. They refuse to do anything stating I have to send them a full copy of my credit report before they will investigate. I have also paid the amount they claim is past due. The loan pulls 2 times a month and I was never 30 days late. It did not show any lates last month when I checked my credit report, so I do not know what changed. I asked to speak to a supervisor yet was told I could not be connected and had to wait at least XXXX hours for a call back.
Product: Credit reporting or other personal consumer reports

According to law 15 USC 1692 c ( c ), Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt. Please remove all debt information from all XXXX credit bureaus asap that are listed below. 

XXXX XXXX  Bankruptcy/ XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed : XX/XX/2017 XXXX, GA XXXX XXXX : XX/XX/2017 National Credit Systems Account # XXXX {$3600.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Account # XXXX {$8500.00} Sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Account # XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  Account # XXXX {$710.00} XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX {$520.00} XXXX XXXX XXXX. 
XXXX  XXXX, MO XXXX XXXX XXXX Account # XXXX {$500.00}
Product: Debt collection

XXXX XXXX treated my dog, overcharged me and they were paid in full.
Product: Debt collection

I am a victim of a data breach and identity theft Kindly block and delete the account within 4 business days as required by FCRA 605B 15 USC 1681c2. Please find the attached FTC reports and other relevant documents.
Product: Debt collection

I had my vehicle totaled XX/XX/2020 and my car insurance through XXXX paid off my balance immediately. I have attempted to dispute this and told them to remove it because it was paid off. They refused to remove it. Also, I was NOT given a chance to dispute this debt before it suddenly appeared on my credit reports. I have had zero contact with them and received zero notice validating this debt and had a chance to dispute it before they decided to violate my rights and ruin my credit. I dont even know what this amount is for!!! I do not owe this money and this company violated my rights and the law. The information and dates are unknown to me as well! The dispute is NOT resolved like they made a comment on the collection. This company didnt even provide me with a debt validation or proof after I disputed.
Product: Debt collection

A former employee had access to my computer and opened an XXXX XXXX XXXX account in my name about 5 years ago or so and charged some parts to the account and I explained this to Jefferson capital debt collection service. I also told them I do not have any contract with them and they had no right to access my credit report and report anything on my credit reports.
Product: Credit card or prepaid card

I applied for and was approved for a Home Depot credit card for {$500.00}. I had used this account in store and used my social security number and drivers license for {$100.00}. After XXXX weeks I received a text message saying my card was returned and I had to call. I have called multiple times and even made a payment as I dont want to ruin my credit. Every time I call I get the same message saying we will call and verify you or send you a letter. Never once have I received a call or letter even after verifying my correct address. At this point I do not no a payment date or amount to payoff and close this account. This is through Citi bank
Product: Student loan

Ive been waiting so long to get updated payment count. Before loan was transferred it was at XXXX and not it is at XXXX.
Product: Credit card or prepaid card

I am unable to access my funds from the American Express Serve account. I tried paying bills online and I tried using my prepaid debit card with no success. My last transaction was a deposit in the amount of {$490.00}. I am attaching the confirmation of that transaction. Serve has locked my access to my money. I have {$2000.00} in my Serve account. Serve is sending me weekly statements with my balance. I am attaching my last statement received by Serve. Thus, Serve is letting me know weekly that they have my money but are not providing me any access to it. On XX/XX/XXXX, I tried talking on the phone with a Serve representative who told me that he would talk to a supervisor to unlock the account but nothing happened since.
Product: Checking or savings account

I encountered several challenges while attempting to open an online checking account at TD Bank. The bank locked my account, allegedly citing that I was committing fraudulent activities. Despite not receiving any prior notifications about suspicious activities, my account was closed without warning, and stated to " never call back and to " never step foot. As a result, I faced rejection at other banks due to this unresolved situation.
Product: Prepaid card

Got a American Express gift card for {$500.00} on XX/XX/2023. Tried using it at several on-line and in-store purchases and they all have been declined. The balance is now showing {$490.00} due to a couple fees charged. Reading many posts about others having the same on-going issues now for years.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following a
ccount ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-XXXX Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

I recently obtained a copy of my credit reports and noticed that Medical Commercial Audit has added a collection account that is not owed on Acct # XXXX. That was paid prior to being reported and is now reporting on my credit report which is unfair collection practices. This company is also reporting inaccuracies such as last payment date and date of first delinquency Please delete and remove this account # XXXX from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time writing ( credit bureau ) about items that are misleading and false reporting on my credit report and they have failed to respond back to me in a timely manner. According to Wenger v.

XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), ( credit bureau ) may be liable for their willful non-compliance. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Im asking for the CFPB to please hold them accountable for not following the laws. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. ( Credit Bureau ) had received my second as proof on this ( date ), which mean they now have 15 more days to finish their investigation. Which means they must delete every account they can not verify 1. The following personal information is incorrect Account Number : DATE OF BIRTH : 1983 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report. 

7. Validate Account XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report. 

8. Validate Account XXXX Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report. 

9. Validate Account XXXX XXXX Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint of non-compliance against the following collection companies : 1 ) NELNET LNS 2 ) XXXX  3 ) XXXX XXXX   This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Product: Debt collection

In XXXX XXXX XXXX, my daughter, as a result of XXXX XXXX  from mismanagement of her medications, XXXX XXXX XXXX XXXX XXXX. I rushed her in my car, to an in-network hospital where she received life saving treatment. She underwent XXXX  XXXX and it was determined that for the safety of her life and continued life-saving treatment, she would need to be transferred to another in network facility for continued to care. She is a minor. We asked if we could transfer her in our car from the hospital to the mXXXX XXXX XXXX  and were informed we could not. At no point in time was I ever informed that there would be charges beyond those covered by my insurance, allowed to choose an in network ambulance provider, nor was I even given the ability to consent to her ambulance transfer. I never received any paperwork regarding even what ambulance company was transferring her or anything regarding authorizations with the hospital. She was checked into an in network facility and transferred to another while she was checked in. I was then billed XXXX for this ambulance transfer. The company XXXX XXXX XXXX it has since been transferred to collections ), was paid an agreed out of network rate from my insurance provider, and charged me the remaining amount. I called them and requested information regarding this ambulance transfer and the documentation related to its authorization. I requested the documentation they received from the hospital regarding the ambulance transfer, authorization etc and they would provide nothing. They were completely unhelpful, refused to research the issue, and were distressing on the call. I then contacted the hospital billing department. The hospital stated they did not even have appropriate paperwork in hand for her transfer and told me they would research and reach out the ambulance company, as they didnt have record of appropriate authorizations etc. I followed up multiple times without response. The charge was then transferred to a collection agency of which I sent a letter stating the nature of the charge was erroneous. They never replied.
Product: Vehicle loan or lease

I try file complaints against American car center dealership but they went out of business on XX/XX/2023 then filed bankruptcy XXXX  XXXX and try get all my refund back from American car center but i been aware that they went bankruptcy and closed. I didnt get no email or letter anything from them
Product: Debt collection

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Also, update the following accurate personal information to my credit report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX  XXXX My ss XXXX.I got mine Credit report Home Depot credit card on XX/XX/2017. Its showing a late payment but I spoke to them and they said dont worry everythings its OK please help me with this issue thank you very much
Product: Debt collection

On XX/XX/2021 I sent a letter to Account Resolution Services requesting that they validate the debt in question and they failed to validate the debt they simply sent me an account summary on their letter head. On XX/XX/2021 I sent them a letter notifying them that the information provided does not substantiate that the debt belongs to me. I asked them for specific information about this debt and the failed to furnish the information and continue to report on my credit without doing an actual investigation of this debt.