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 : 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
Product: Debt collection

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

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. 
This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify has hurt my ability to obtain credit. 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 account listed below. 
I demand that the following account ( XXXX ) be verified or removed immediately : XXXX XXXX Account Number : XXXX Charge Amount : {$XXXX} Date Opened : XX/XX/2016 Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act The US Bankruptcy Court Reference # XXXX has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

So in the beginning we were trying to purchase a home through XXXX XXXX funding which fell through because the company had proceeded in some less than reputable ways that resulted in our personal loss of money and straining relations with the seller of the house. Enter rocket mortgage who originally had given us the impression that we would be able to get an FHA loan and have optimal loan options available. However as we got closer to closing the option that we were given resulted in a less than optimal choice which resulted in us being cash broke and having a high mortgage payment, higher than most people in our neighborhood. The only reason why we agreed to the terms of this loan was because we needed to sail to go through as we were in a dire situation and we were reassured that we would be able to refinance within 6 months of the sale as well as being able to pay dividends weekly as the mortgage was high in general, double what we were paying and rent beforehand. As it sits right now the loan is a conventional 15 year loan that we have now accrued over {$700.00} in late fees on as a result of paying as we were originally assured we'd be able to pay. Because of this they are no longer accepting payments and we are in danger. We are and have been in contacts trying to resolve this issue pleading with them to extend the terms of our loans and refinance our mortgage however we've come in and nothing but conflict and resistance forcing us to even higher levels of mortgage payment.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year>, I opened a " free '' account with Experian. I did not sign up for XXXX paid services, nor was I informed by Experian that I would be getting charged for a credit report. I just got my credit report about a couple of weeks ago when I opened the account ; I do not need a new credit report every couple of weeks. I have been trying to figure out how to stop this feature, or just how to cancel my " free '' account altogether, but the site is not working for those pages. I keep getting the following error message when I try to go to " Membership '' and " Experian Boost '' : " Something went wrong behind the scenes, but we should have everything back up and running soon. '' I have tried speaking with a live agent/specialist over the phone numerous times, but the automated system keeps repeating that it can not connect me with a specialist. The automated system stated that I would receive an email with instructions to resolve the issue with my membership and credit report charge dispute. I did receive an email, but it did not include instructions, it was a link to log into the Experian account. Once logged in, I was having the same issues trying to resolve the issue, " something went wrong. '' I sent Experian an email detailing this issue and requesting assistance with canceling my account and requesting a refund. My account should have never been charged because I did not sign up for any paid services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have four fraudulent accounts that do not belong to me and I wish to have them removed. 

XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$290.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$1000.00} XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$210.00} + COLLECTION XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$210.00} I have many fraudulent addresses that I want removed, they are listed below. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX CT XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Debt collection

had a student loan from sallie mae around XX/XX/XXXX-XX/XX/XXXX. i was in car accident and not able to pay off. eventually i went back to work and filed tax return and IRS had deducted balance owed to student load from ta return and was paid in full. debt was still given to XXXX XXXX and they are trying to collect on a debt that has been satisfied as well as exceeding the statue of limitations for both XXXX and XXXX whee i currently reside. there has never been a payment sent to them to " reset '' the debt collection process. i have asked them to stop and explained to them that its been paid, but they refused to hear my side and insists that i give them a credit card number to make payments.
Product: Checking or savings account

On XX/XX/2020 chase bank with drew {$29000.00} out of my mothers bank account. I have tried to resolve this issue and they will not release any information to me. They have gone in the bank account and garnished the money with out consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Alaska, XXXX Name : XXXX XXXX XXXX : XXXX Phone : XXXX Email : XXXX Account # XXXX XXXX Late payment date : XX/XX/2022 15 USC 1681 - ( 2 ) ( A ) ( 1 ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s-3 of this title, Any- ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a Violation of the FCRA to report " Late Payments '' as that is a Transaction.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

You are NOT allowed or permitted to furnish any type of reports that contains bank statements or any experiences or transactions that I have with your financial institution as the LAW clearly states above this paragraph please immediately remove the late payment reporting that was furnished to the credit reporting agencies/ Experian, XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX, PA XXXX **Subject : Request for Removal of Incorrect Phone Number from Credit Report** Dear Sir/Madam, I am writing to formally request the removal of an incorrect phone number that appears on my credit report. The details of my request are as follows : Name : XXXX XXXX XXXX XXXX. 
Social Security Number ( last XXXX digits ) : XXXX Date of Birth : XX/XX/XXXX Phone Number to be Removed : ( XXXX ) XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction or removal of inaccurate information on my credit report. The phone number mentioned above is incorrect and should not be associated with my credit profile. 

I kindly ask that you investigate this matter and update my credit file accordingly. Please remove the erroneous phone number from my report and send me a corrected copy once the changes have been made. 

I have attached a copy of my identification ( drivers license ) and a bank statement to verify my identity and address. 

Thank you for your prompt attention to this matter. I expect that the inaccurate information will be investigated and corrected within the timeframe required by law. 

Sincerely, XXXX XXXX XXXX XXXX. 

**Attachments : ** - XXXX of ID - Proof of Address ---
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have been disputing this issue with the credit bureaus since XX/XX/XXXX. I keep telling them I did n't authorize the inquiries from XXXX XXXX made on XX/XX/XXXX and XXXX XXXX XXXX made on XX/XX/XXXX. I did n't give any permission to these two companies to pull my credit report and and to my understanding it is illegal to report false information on a consumers credit report. Please help I do n't know what else to do! They are n't listening. This is hindering me from a lot of things.
Product: Credit card or prepaid card

On XXXX My husband and I went to purchase two recliners at a Macys furniture store. The sales clerk suggested we open a Macys credit card to get an addition percentage off since it was XXXX XXXX XXXX and I was denied. She tried again per phone this time and I was granted a {$500.00} limit. I was so embarrassed during this Long process in front of other waiting customers. I said No I didn't want that so she ran my husband credit card application and he was accepted at {$10000.00} limit. My credit is better than my husband and we couldn't understand. A letter was sent to me stating the decision was made because unable to verify identity information by XXXX, So on XXXX I called the phone number listed by Macys on the letter and was told the account I didn't want was open for the {$500.00}, So I asked to have it closed and to find out the specific reason for my denial and the Macys customer service rep XXXX Yelled at me and Hung up! She was so UNPROFESSIONAL and RUDE! My husband was present during this call. Then I called XXXX and they said they had no idea why I would be denied since I had a XXXX XXXX XXXX from them and XXXX from XXXX, and XXXX XXXX. I'm not sure if my denial was myself being a XXXX XXXX and my husband XXXX, XXXX, Citibank, or XXXX. I have no idea if any of this is illegal, but it have been a HORRIBLE EXPERIENCE! I appreciate Any help. I can provide any paperwork needed. THANK YOU SO MUCH!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) die 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 feel appropriate redress for these violations.
Product: Credit reporting

Why continue to ask the company like Experian which owns XXXX for information when they continue to kick you out of the program to ask for a free report and they say they CANT CONFIRM MY IDENTITY WHEN THEY JUST DID ON THEIR OWN WEB PAGE AND THEN TELL ME THAT I ALREADY RECEIVED A REPORT AND I DID NOT!!!!! I AM SICK AND TIRED OF CREDIT AGENCIES THAT ARE INCOMPETENT AND DONT CARE ABOUT MY CREDIT BUT CARE MORE ABOUT GETTING A MONTHLY FEE!!!! WHY AM I WASTING MY TIME.
Product: Credit reporting or other personal consumer reports

I sent a letter to Experian on XX/XX/year> asking them to remove information and send me a new credit report with the changes and that has not been done. I get certain emails from them advising they removed the information but I have not received my new credit report. I did with the other credit bureaus but not Experian. I need them to remove the incorrect information off my credit report and send me a new one with the changes made.
Product: Credit reporting or other personal consumer reports

XXXX Account number : XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Equifax XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX, never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

a systematic error ol cessing my paymer s was clearly a billin company and is not ment experience wi le 1681eb. This ern racter This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX  XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX {$4300.00}, XXXX XXXX  {$16000.00}
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( XXXX ).
Product: Money transfer, virtual currency, or money service

I am XXXX XXXX, I did wir transfer from my account in XXXX XXXX XXXX to buy car from a company in USA this company has an Account in Wells Fargo bank I transferred money to them account but they was not trust so I called my bank to cancel the operation and they did request that but Wells Fargo not accept until this day I did receive my money or the car now it is 3 year just trying to do anything to return my money please help me please I am in bad and I have XXXX children. 
Best regards XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letter multiple times to XXXX  who contunues to ignore them and remove fraudulent and unauthorized inquiries from my credit report. and I do NOT have an open acct with XXXX XXXX please remove
Product: Credit card

I have several interest deferred transactions and one that is not. My current minimum payment is {$37.00}. I pay a minimum amount of {$150.00} every two weeks and sometimes an extra payment. I was told that my preference was set up for promotional first. I asked where I can see that online and change it. I was told I need to call in order to get the payment order switched. I take this as a deceptive practice as I can not make the change online or when I make a payment above the minimum amount. I was always taught that the presumed payment is additional payments go to amount that is charged interest.
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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Same thing they are no fixing my account
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 
Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.

4. 15 U.S. CODE 1692e - False or misleading representations XXXXXXXX XXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX