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

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 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. 
XXXX.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. 
XXXXFailure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX 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. 
XXXX v. XXXX 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 : XXXXConduct 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
Product: Debt collection

I could pick a few of the issues above. After numerous attempts to validate this debt I was never given a response. They called me from now fewer then XXXX different number at all times of the day and even called a place that I have n't worked at for years. After the constant harassment I contacted them to just get rid of this. After talking to numerous people on different occasions I was mislead to believe that this was to be deleted from my reports, that was my only reasoning on settling this debt that I have no verification of. So in good faith I came to a settlement to resolve this situation to just get rid of it. Now they refuse to follow through on their end. After XXXX ' of calls from them from different numbers I agreed to resolve this amicably only to be misled by them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress appropriate redress for these violations.
Product: Payday loan

I am unable to get detailed information regarding the origin of the loan in question. I am only given my bank account number and date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my credit reports, The account XXXX XXXX XXXX, has been opened since XX/XX/XXXX until XX/XX/XXXX. First red flag, is there isnt even an inquiry on my report for an auto loan. Secondly, there is NO payment history dating back to the initial opening date. But what is most imperative is the fact that I was XXXX prior, during and after this accounts closure. I was XXXX  in court on XX/XX/XXXX and was released into an XXXX XXXX program on XX/XX/XXXX and Ive attached the court documents again. And ever since Ive seen this on my credit report I have been trying to dispute it. Ive sent in multiple disputes to all three credit bureaus and which XXXX has since removed it. But transunion has refused to delete this item even after Ive provided cemented evidence that there is no way that I was physically or even electronically able to open this account. Nor did I give anyone permission to open this account. This account was opened fraudulently and needs to be removed from my credit report.
Product: Credit card or prepaid card

In XX/XX/2022, I booked a hotel via XXXX, but didnt realize their misleading information about refund. I thought I was able to get full refund before two weeks cancellation, but they intentionally played word games to say full refund due from the client if cancel before two weeks. I didnt know how the payments were made without my authorization. When I realize that, I contact City XXXX XXXX, to get my charge disputed and we didnt go to the hotel. From the phone, I asked multiple times if I can get my refund back, since if now, we were just going to stay in the hotel, but they told me I will get my refund back anyways, so I didt go to the merchant requesting refund or do anything further. Back then, I was still able to get half refund back, or I could just to and stay in the hotel, but since city told me i will get my refund back anyways so I didnt pursue to the merchant directly for refund. Now after six months, city secretly charged me for the same amount they put on my credit after the dispute and are telling me there is nothing they can do to help and this closed my case. Its their fault to provide me the misleading information when I was still able to save my loss, but now its already half year and they told me I should go to the merchant directly. They were also telling me that they send out request to ask me providing extra information, but I didnt respond. I promise I send back all information and confirmed with a customer representative on the phone they are received. Now, they say I didnt respond, thus case is closed and they are no longer to assist. Thats not acceptable. They should have give me the correct information at the very front, so I was able to at least save half of the money. They are now not willing to responsible for their own fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

these collection accounts have been posted on my credit file fraudulently for a good period of time affecting my credit score and opportunities to build relationships with other entities. these collections accounts have been furnished FRAUDULENTLY ON MY CREDIT REPORT AND NEED TO BE REMOVED IMMEDIATELY I AM ALSO DEMANDING A CEIST AND DESIST FROM THESE COLLECTION COMPANIES AS WELL AS MONETARY RELIEF FOR DAMAGES. 

XXXX XXXX - {$63.00} XXXXXXXX XXXX XXXX- {$70.00} XXXXXXXX XXXX XXXX - {$89.00} XXXX XXXX XXXX - {$780.00} XXXXXXXX XXXX XXXX XXXX - {$1400.00} XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/. THESE COMPANY ARE REPORTING ACCOUNTS ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE MY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this inaccurate account on XXXX of 2020 with all three major credit bureaus, ( Experian, XXXX  and XXXX  ). The account I disputed was XXXX XXXX and dispute reason was that this closed charged-off account is adding interest to the account. By the FCRA, I believe this is a violation. I asked for this account to be deleted immediately and neither one followed the fcra laws. So I'm contacting the cfpb to get involved and help with this issue.
Product: Money transfer, virtual currency, or money service

Good day! I need to file a complaint to Paypal for limiting my account without any reason at all. I already submitted all my personal and private documents to them to help me resolve the account limitation issue but still they permanently banned my account which I do have substantial amount of money from their balance. I tried to withdraw my balance recently with all the necessary documents they ask but still they hold my money and refuse to let me withdraw my remaining money from my account. It is been affecting my every living since I have a lot of dues to pay and kids to feed on that money what paypal holds. I am not sure if they are mistaken me from someone else on my account but I'm sure they are. All I am asking is for them to let me have my money withdrawn from them and let them do their job properly. My XXXX account linked to Paypal is XXXX. Thank you!
Product: Credit card

In XXXX, a US Bank representative contacted me about my XXXX XXXX card with them and offered me a XXXX plus card. He stated they had a balance transfer option with 0 % APR that would save me a lot of money by transferring my Plus balance to. I informed him at that time, I was looking for a vehicle and did n't want a hard inquiry on my credit, so I would apply online after my search as I had a lot of home improvement projects coming up I 'd like to put on credit. In XXXX, I went ahead and applied for the Flex Plus and was instantly approved, I went through the motions of a balance transfer and my Cash Plus was not available as an option. SO I called and spoke with XXXX at their XXXX number and she told me I could get around the issue by going to my online account, selecting my card, entering the promo code XXXX and entering MYSELF as a payee. She said then funds would be sent to my checking account, at which time I could use them to pay off my current XXXX XXXX card and essentially get the balance transfer done that way. I thanked her, and when I went online to do it, I entered the info as she directed. I then received a notice in the mail that it was denied because I was an invalid payee. I called back and was informed they would not honor the balance transfer that I was promised, so I requested due to false and misleading information provided to induce me to apply and result in a hard inquiry on my credit, they close the account, and remove the inquiry. I was told a manager would call me back. No one called back after 3 days, I called in and was left on hold for more than 25 minutes. I called again and I was informed that the managers would call back. I explained i t had been nearly a week and no one was responding, she said it could take 3-5 business days. That time had passed. It has now been nearly 3 weeks and US bank refuses to respond to their deceptive practices that resulted in a XXXX point drop in my credit score which was XXXX at the time of my application and dropped to XXXX when I was approved. Had I known they would not honor the PROMISED balance transfer of my {$2000.00} balance on my Plus card, I never would have applied as my current plus card has a XXXX limit. My ONLY motivation for applying was the misleading and false solicitation by US bank promising me a balance transfer of 0 % APR on transfers and purchases for the first 12 months. I would like US bank to honor their original DOCUMENTED promise of a balance transfer, or, in the alternative, refund interest from last month on my current card and apply an interest freeze for 11 months to honor their original offer and promise of this promotional rate. US bank has violated the CARD Act and I am harmed by their intentional misrepresentations and refusal to mitigate or even respond to my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

There is an account that is on my credit report that I do not recognize. I sent a letter to Transunion letting them know that the company has not clearly and and conspicuously provided an address at which to write a dispute to. In Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) of the FCRA, it clearly states the accounts should be removed. Transunion has NOT done an investigation and its been over 45 days nor have they removed this account from my credit report
Product: Debt collection

Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Dispute of Debt Account # [ XXXX ] Dear Sir/Madam, I am writing to formally dispute the debt listed under the above-referenced account number that appears on my credit report. I recently reviewed my credit report from XXXX and noticed that this debt is incorrectly listed. I request that you investigate this matter and remove the inaccurate information from my credit file. 
I kindly ask for a prompt response to this matter and confirmation in writing that you have corrected the erroneous information. This will allow me to ensure that my credit report reflects accurate and up-to-date information. 
Thank you for your attention to this important matter.
Product: Credit card or prepaid card

I am writing to express my deep dissatisfaction with the recent closure of my credit card account with Chase Bank. I received a letter explaining the reasons for this action, which stated that my account was closed due to a rapid increase in revolving balances, too many requests for credit or credit reviews, and too many accounts opened recently. However, I believe there has been a grave misunderstanding, and I would like to provide you with some crucial information to rectify this matter promptly. 

Firstly, I would like to highlight that I previously held the same credit card from Chase Bank approximately four years ago. When my visa expired and I completed my college education, I responsibly closed all my bank accounts and credit cards before leaving the United States. I made sure to settle all outstanding balances and diligently paid every dollar owed to Chase Bank. It is important to note that there were no outstanding debts or delinquent payments when I left the country. 

Regrettably, upon my return to the United States and choosing to bank with Chase again, I encountered numerous difficulties in utilizing your services. I experienced considerable challenges in accessing various products, including my checking account and credit card. Chase Bank insisted on verifying every transaction and activity, even those that had been previously verified. This redundant verification process consumed a significant amount of my time, often requiring me to spend over an hour on the phone with Chase Bank representatives on a daily basis. It is worth emphasizing that these transactions were of minimal value and posed no risk or cause for concern. Since I have closed all my credit cards, I need to get few credit cards to buy furnitures and shop around for everything, also I am shopping around for the new vehicle and I am looking for an auto loan, thats why there are some credit reviews on my credit report. 

I find it grossly unfair that my credit card account was closed despite my utmost efforts to cooperate with Chase Bank 's verification procedures. I diligently completed each verification promptly, and I sincerely believe that all necessary steps were taken to establish my credibility as an account holder. The closure of my credit card account without any prior notice has placed me in an extremely inconvenient position, affecting my financial stability and causing unnecessary distress. 

Therefore, I kindly request that you reopen my credit card account immediately. I have been a loyal customer of Chase Bank for several years, and I have always maintained a responsible and exemplary financial record. I trust that Chase Bank will rectify this situation promptly and reinstate my credit card account, allowing me to continue benefiting from the services you provide. 

I anticipate a swift resolution to this matter and request that you inform me of the actions taken to address my concerns. I expect a written response within 10 business days from the date of this letter. Thank you for your attention to this matter.
Product: Credit card or prepaid card

PAYPAL XXXX XXXX XXXXXXXX... XXXX XXXX, XXXX  TELEPHONE NUMBER XXXX TALKED TO THEM XXXX XXXX XXXX. They told me to change the wordings of the dispute with my bank to which I did but up to now, I did not get my refund to the item in the amount of {$30.00}. 

This is an item advertised on XXXX. The item arrived with no information inside as to what product they sent, how to use it, everything, no return address, no return label incase the product is too small, too large or defective. In this case it was a fashionable eyeglasses for 65+. Once I tried it on it was too blurry for me, it gave me a XXXX and I feel like spinning around trying to make use of it but was too uncomfortable. If they had the return label, I would have return it right away. I disputed it with my bank 2 times but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that XXXX, Equifax, and XXXX have on file for particular accounts. 
Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. 

I submitted a 30 demand to comply letter stating the 30 day time period for investigation has elapsed. XXXX, Equifax, and XXXX are in Default and the items requested must be removed immediately.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in REMOVING a piece of the info in my credit file that resulted from FRAUD, but I still have ITEMS passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied to rent a house in XXXX XXXX, NV with XXXX XXXX. After paying the {$85.00} application fee, XXXX XXXX XXXX hired AppFolio to do a tenant screening on me. I know my XXXX XXXX XXXX is XXXX with XXXX and so I applied after XXXX XXXX informed me she was looking for XXXX or better. A couple days later, my application to rent was denied. I now realize this decision was based on false information being passed on as if it came directly from XXXX. I have a membership with XXXX and am in contact regularly with that credit bureau. I received a letter in early XXXX from XXXX XXXX showing the tenant screening details from AppFolio , IncXXXX with a fraudulent XXXX XXXX not matching the XXXX score being reported by XXXX as of the date their background check was done. This hypocracy must stop. Consumer 's credit info is being verified and misued everyday by so called tenant screening and we are left to deal with the fraud!! I submit my formal complaint against both XXXX XXXX XXXX and AppFolio for providing false consumer XXXX XXXX data about me, and applying this score data while passing it off as though it came directly from XXXX ( per XXXX 's letter enclosed ). I have attached copies of XXXX 's tenant screening letter and a screenshot of XXXX 's actual XXXX score on my as of XX/XX/2021 to expose the fraud.