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. I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX 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. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( and XXXX company debt was transferred to ) has not verified this debt despite my many requests for them to do so. I acknowledge opening this account. However I was a victim of credit card theft and identity theft when I was living overseas in XXXX. The FTC Identity Theft report was forwarded to these companies as well as XXXX, experian and XXXX back in XX/XX/XXXX. I also requested statements to show proof of debt ( verification of debt ) in XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX -- all non-responsive. Non responsiveness to the XX/XX/XXXX ( more than 45 days ) is a violation of the US Fair Credit Act, and should have resulted in this adverse reporting being deleted from all credit bureau reports. To date, I have not received a response AND it has not been deleted. I have filed dispute with all credit bureaus and the item remain. This is a violation of my rights.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is, XXXX XXXX XXXX XXXX but it is listed incorrectly on my credit report as XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, but my credit report shows an outdated address as XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I request that my current address be updated accordingly. 


I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at XXXX Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft. I contacted the credit reporting agencies with all of my identity theft reports ( police report and FTC report ) and they removed this fraudulent account from my reports shortly after receipt. Then this company waited a few months and put the account back on my credit report by acting like its a new account. I need this fraudulent account removed. I've attached the conditional acceptance my XXXX XXXX law firm told me to send in.
Product: Money transfer, virtual currency, or money service

PayPal keeps allowing people to scam me using their service and when you report it they take the side of the seller no matter what so they keep fees. 

A seller named XXXX XXXX sold a diamond ring through XXXX then changed the details on the cad after payment. When I canceled ordered and filed dispute for refund thru PayPal he claimed he closed his PayPal account and was not refunding me. At which point the seller ships a blank envelope to my address and PayPal considers my purchase of {$1200.00} on a diamond ring their decision to refund even though the seller has scammed me.
Product: Bank account or service

I HAVE DEBT ON MY CREDIT REPORT FROM WELLS FARGO STATING THAT I OWE THEM {$270.00}. THE PAYMENT STATUS IS CHARGE OFF.HOW CAN THEY CHARGE OFF SOMETHING I NEVER KNEW I HAD WITH THEM. I HAVE HAD AN CHECKING ACCOUNT WITH THEM AROUND THE SAME TIME. IM UNSURE OF WHAT TO DO AT THIS TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus XXXX, Trans Union and XXXX are incorrectly reporting my credit card usage from XXXX ( 2 years ago ). It is now XXXX and This needs to be fixed immediately as the card has been paid down significantly and Im about to pay it off again I have Complained on XXXX to the CFPB back in XXXX for incorrectly reporting my information and nothing has been done about it. This is negatively impacting my life!
Product: Checking or savings account

JPMorgan kepts my {$1500.00} Dollars. I have the right as the account holder to access my nank details and my money any time I want. refusing my online banking rights because I am a foreigner is racism and discrimination by Chase bank and the CFPB who efuses to take action. I want access to my money again. The company has to propose a fair solution that gives me access back to my account and my bank details. I want my money back.
Product: Student loan

1. I  have had this problem several times in the past. Today,  XXXX / XXXX / 17  I received an email I had a message fro m Fedloan. I logged into my Fedloan account to see what the message is and see that my accounts are now in Administrative Forbearance. I did not ask for any Forbearance and I am furious I am in a Forbearance. Fedloan did this to me 60 days ago and it took 8 calls to get the forbearance removed. I am on an  IBR and do not need a Forbearance or a Deferment at any time.      2. Fedloan removed my employment history applied towards the FSLP to add a Forbearance in   XXXX   2017 . This was wrong! I NEVER asked for the Forbearance that was added and removed back in  XXXX , aft er 8 phone c alls. When this Forbearance was removed, they never added back my months towards the FSLP. I resent in the proof of employment forms hoping the months would be added back, but instead got another forbearance!!     Please audi t Fedloan. T hey are making big mistakes on accounts and not fixing it.
Product: Student loan

OnXX/XX/XXXX untiXX/XX/XXXX my student loans were placed in deferrment without my permission. I was completing my dissertation at XXXX XXXX University but was still able to work full time and make my payments. I had automatic account deduction set up so I had no idea that my payment was not being made. 
When I found out my loans were in deferrment, I called and asked the servicer to remove the deferrment and to never do that to me again. Little did I know that the deferrment had gone on so long and I had accrued over XXXX in interest during my deferrment. 

Now, unless I make a lump sum payment of over 8000 dollars, none of my payment will go toward the principal amount because all payments from now for the rest of the year will strictly go toward accrued interest and new interest before being applied to principal. This is not fair. 
1. Complaint, policy that allows any company to put your loan in deferrment without specific permission from the borrower. 
2. Complaint, the ability to apply all my payment toward interest of interest before any principal can be touched makes it impossible to get out of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines, these accounts started to appear after my identity has been compromised. I'm demanding that these accounts not only be removed but blocked as well. The following accounts shall be removed 1. XXXX  XXXX XXXX {$15000.00} 2. XXXX {$3700.00} 3. XXXX {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports.Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Accounts : XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020 we started receiving notifications that our credit rating was lowered due to a bad report by Credence Resource Management on behalf of XXXX. I contacted XXXX XXXX XXXX XXXX and they have no record of us having a XXXX account. Have contacted credit reporting agencies and filed a dispute on the false claim by Credence Resource Management. Our town does not have XXXX or XXXX XXXX XXXX landline service. We received blind call ( Numbers only as caller ID ) today and normally we don't answer these calls. Turned out it was a caller from Credence Resource Management. When I told him that XXXX XXXX XXXX XXXX was not available in our area, he would not discuss and hung up. These folks have messed with a great credit report and should fix the problem.
Product: Payday loan

I was given a payday loan of {$2600.00} from a Company called XXXX XXXX back in XXXX of XXXX. This loan was illegal in my state of NJ. I found that out after taking the loan, and after I had paid back over {$1800.00}. Payments were {$290.00} per month, and hardly any of it went to principal ( probably less than {$20.00} a month ). 
Once this loan was issue, it was immediately taken over by some company in California called Cash Call so that it would look like a legitimate installment loan. 
I was advised not to pay anymore money to this company in XXXX of XXXX. They were taking money out of my bank account, but I changed the account number once I was told not this loan was illegal. 
I have complained about this company previously. They keep sending me offers to make payment on a loan that has now grown to over {$10000.00} ( {$10000.00} ) from an original loan of {$2600.00} of which payment of {$1800.00} had been made. 
They are asking me to settle this loan for XXXX lump sum of {$1200.00} by XXXX/XXXX/XXXX, or make XXXX payments of {$170.00} starting by XXXX/XXXX/XXXX. 
I am not paying them another cent for an illegal loan that they did not initially make! 
Why are these people allowed to stay in business???? they are crooked and charge up to 300 % in interest. 
I want them to cease and desist their collection efforts and wipe this loan off their books and my credit report. Pls help.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report there were multiple accounts that were incorrect. 
On the date XX/XX/XXXX a XXXX XXXX XXXX was opened and it has a total balance of {$9200.00}. On the date XX/XX/XXXX a XXXX XXXX XXXX was opened with a total balance of {$7400.00}. On the date XX/XX/XXXX a XXXX XXXX XXXX was opened with a total balance of {$1400.00}. On the date XX/XX/XXXX a XXXX XXXX was opened with a total balance of {$2000.00}. To conclude, On the date XX/XX/XXXX a XXXX  XXXX was opened with a balance of {$2200.00}. I have received multiple calls from debt collectors of debt that i don't recognize. There were also Inquiries on my report that i never initiated. On the date XX/XX/XXXX a Inquiry was opened by XXXX XXXX XXXX On the date XX/XX/XXXX a Inquiry was opened by XXXX XXXX XXXX XXXX On the date XX/XX/XXXX a Inquiry was opened by XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

In the month of XX/XX/2020, I was charged a {$39.00} annual fee. This is a 1 % cash back card which has a {$400.00} credit limit. I called XX/XX/XXXX as I had a {$110.00} balance and I anticipated only having a {$79.00} charge. XXXX from capital one said I was charged annual fee. I told him to close my account and waive the annual fee as I would no longer use the account and that I had never requested the annual fee waived. I also added that due to my credit limit of {$400.00} the 1 % cashback would not benefit me since my cash rewards would only be up to {$40.00} which the {$39.00} annual fee would take. He said that the annual membership fee benefits me but could not explain how. He continued to say that there were no offers to credit the fee and said sorry. I would like the CFPB to look into UDAAP unfair abusive practices for this card as i feel it does take advantage of a consumer with this low of a credit limit as the annual membership fee will take up the 1 % cash back anyway. Additionally, the highest amount of cash back I have ever received was {$13.00}. My request is to close the account and waive the annual membership fee.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

Kia Motors Finance is incorrectly reporting that I have several missed payments which is incorrect. We ask for and were granted a Covid-19 deferred payment for XXXX and XXXX. Every other payment this year has been on time. Kia claims that there was some type of glitch in their system which kicked out our deferment and also has every payment showing as late on our credit report. Just last month, every payment for this year has been on time. We have called Kia several times and they give us the run around. They have reported this false information to all of the credit bureaus. After some research, it seems Kia is and has done this to several customers. I'm looking to buy a house and my credit score has dropped 60 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/XXXX I contacted Experian about a problem I was having with their report to XXXX XXXX. At XXXX XXXX, I applied for a credit card at XXXX XXXX to save money on a new computer I was buying. XXXX XXXX contacted their bank which said I was denied. This astounded me. I own a home and two cars. I make over {$80000.00} a year, and have had this job for 19 years. I have no outstanding debt - no loans or liens. I pay off my credit cards when they are due - never carry a balance. I have a credit score from Experian around XXXX. I have over {$100000.00} in my bank, with over {$700000.00} in IRA/401K. So, their bank sent me a letter which said to call them that there was an alert from Experian. I called them and they only re-ran the application for the credit card and could not give me a reason why they could not approve the card- they could only say that it was not approved again and I would get a letter in the mail explaining. I got the same letter in the mail which I received before! So, I contacted Experian online. Online, they said to call them that this had to be handled by someone. I called, but could get no one - just the electronic prompts. None of the prompts applied to me- they were mostly about disputes, which I don't have. I needed to know what was on my report that was not allowing me to get a simple credit card. I kept asking for an operator, which the automatic voice recognized but would not give me someone to talk to- they only kept repeating the options which did not apply to me. I tried a second number I found online to Experian and it did the same thing - the prompts did not apply to my situation and they would not give me someone to talk to. I failed to get someone to talk to about my situation both times- the electronic voice would not allow it. So, I wrote a letter to Experian explaining the situation ( and my outrage ) today, XX/XX/2022, sending it to Experian National Consumer Assistance Center in XXXX, TX. I do not expect much help, but at least a human being will look at my situation.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$17.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$90.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$4200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

on XX/XX/2024 purchased item from XXXX  next day delivery order XXXX, they never shipped item and refused to cancel order after contact with CS rep as well as someone identifying themself s only as Supervisor " XXXX '' they did ship the item they refuse to cancel the order saying it shipped when in fact they were lying and refused to provide a tracking number if it had. I have emails showing shipment delayed from XXXX and they still refuse to cancel the order I used {$30.00} worth loyalty money and {$120.00} using Zip XXXX  app On XXXX after company refusing to cancel this fraudulent order I contacted Zip to file fraud complaint with them and they stated the charges are still in pending which proves order has not been fulfilled and has not in fact shipped and XXXX lied. I asked them to put a hold on the pending payment as it was a fraudulent and deceptive transaction they refused and they could have prevented this fraudulent transaction from going through and pushing the onus on me to have fight to recover funds they should have never been paid.