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 : Cushman v. TransUnion Corp. ( 1997 ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data.

Dennis v. BEH-1, LLC ( 2002 ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : 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
Product: Checking or savings account

My Chase account was closed for no reason. I had the account for a year and I have no access to any of my money. I tried to call and resolve but nobody was about to assist. I also went to a branch location to see if my money could be withdrawn and they did not allow the representative to withdraw my funds nor gave a reason as to why they would not allow me to have them. Also I have been sent messages on my chase account which I can not access because my account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I XXXX XXXX called Upgrade, Inc. to request a 3 month deferment due to COVID - 19 On XX/XX/2020 I checked my Fico Report and discovered that upgrade had reported me 30 days late for the month of XXXX and XXXX. I have documentation to support my claim. I never missed a payment and the account is set up for auto draft. 

Thank you .... 
XXXX XXXX
Product: Debt collection

I discovered paperwork regarding a judgement at my childhood home the other day that my mother had signed for unbeknownst to me. I researched the the company that filed it and called the toll free number for XXXX, XXXX XXXX XXXX XXXX. I waited on hold for XXXX minutes and decided to hang up because the automated system suggested I send an email to XXXX. To date, I have not received a response to that email. I decided to call back on XX/XX/XXXX. After a XXXX minute hold time, my call was answered and I requested that they mail me verification of the debt and that I could afford to make a XXXX time payment to settle the debt. I offered to settle it for {$1300.00} and was informed that my offer would have to be considerably higher than that. I said I would just wait for the verification of debt and hung up. I have not received the verification letter. Today, XX/XX/XXXX I decided to call back and check on the status of the verification letter. After a XXXX minute hold time, I spoke to an XXXX at extension XXXX. I said I wanted to follow up and see if my offer got any response. He said there was nothing noted on the account. In a nutshell, XXXX was very professional and I reiterated my initial offer of {$1300.00} to settle and he said the best he could do was {$2700.00}. I said the most I could afford would be {$1600.00}. I informed him that I understand that debt XXXX, like his company, buy the debts around the industry standard of 4 % and because of my financial situation, {$2700.00} is an unattainable number. I have had to deal with about XXXX other collection companies and all of them have negotiated the debt at half of what was owed or less. I dont understand why XXXX XXXX XXXX XXXX XXXX XXXX XXXX not negotiate in good faith, particularly under the consideration that they paid roughly {$140.00} dollars to buy {$3300.00} of bad debt. This is astonishingly greedy. Not only that, in order for me to obtain any credit in the future, their judgement will prevent me from obtaining more favorable credit conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 90 days past due on the XXXX   XXXX  XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 10 and 11 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card

XX/XX/year> I had called and asked to redeem rewards earned for my spending and to request a withdrawal from a line said to stay open revolving for 5 years and their had been a restriction placed on my account this issue was escalated to be removed and resolved prior to my request to be completed, I was told to call back to check the status and I did a few hours later, I logged in my account had been closed, they kept the rewards and had them forfeited and I had to make and over payment to the account of XXXX because they failed to apply my payment to the account in a timely manner? 
Account/Order/Tracking number : XXXX Money paid to business : XXXX Desired settlement : Reopening an active account?
Product: Debt collection

I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report, which I believe have been included in error. I demand that you investigate and rectify this situation with utmost urgency and aggression. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

Upon reviewing my credit report, I discovered several accounts that are not legitimate and were opened without my knowledge or consent. The inclusion of these fraudulent accounts is not only damaging my credit score but is also an alarming breach of my financial security. 

XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 

It is imperative that you delete these fraudulent accounts from my credit report immediately, as they are tarnishing my creditworthiness and causing me undue distress. I expect you to exercise due diligence in this matter and resolve it in the shortest time possible. 

Furthermore, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that inaccurate and fraudulent information be promptly corrected. Failure to comply with these regulations will result in legal action being taken against the credit bureau. 

I insist on receiving regular updates on the progress of your investigation and the actions taken to remove the fraudulent accounts from my credit report. Any delay or negligence in addressing this matter will be considered a violation of my consumer rights. 

Please treat this dispute with the urgency and severity it deserves.
Product: Debt collection

Our attachments have all necessary and pertinent contact information for employees mentioned. 

In XXXX, XXXX, we owed Sears/Citi {$10000.00} for a credit card that was issued to me. We could not make monthly payments due to a serious injury, almost fatal fall, and caring for my mother and a mother-in-law with XXXX. The amount was referred to XXXX XXXX XXXX XXXX who sent a letter to me dated XX/XX/XXXX asking for the balance due. 

I called the company and was told by XXXX, XXXX, ext. XXXX, that we could work out a payment settlement. XXXX XXXX XXXX XXXX would automatically withdraw 35 payments of {$280.00} and a 36th payment of {$260.00} that would pay this debt off in three years. We kept our part of the agreement. 

XXXX XXXX, XXXX and Sears/Citi then sent a bill and collection letter for an additional {$5200.00} that they said had accrued in interest since XXXX and that we were still liable for this money. We called XXXX XXXX and spoke Mr. XXXX XXXX, Senior Recovery Manager, and explained this. Mr. XXXX said he would file a complaint for us with his company and Sears/Citi. We called Mr. XXXX, Internal Recovery Unit, Citibank, explained the situation to him and have been afforded no solution. We also wrote to both companies XX/XX/XXXX and have received no resolution. We believe XXXX XXXX and Sears/Citibank are working together to collect more money that is not fairly owed them. We keep receiving bills from Sears/Citibank and a new collection letter dated XX/XX/XXXX from Client Services asking for {$4400.00}. 

Not wanting to hurt our credit rating any further, we have since paid an additional {$940.00} for which we are asking to be refunded to us. 

We received a letter from Citi, dated XX/XX/XXXX, asking us to call them at XXXX because they " require more information regarding your recent inquiry '' and when I did, I was told Mr. XXXX XXXX, Vice President, Citibank, N.A., does not take calls. We spoke to Mr. XXXX, again, who said our complaint was denied but we never received anything in writing. If we were denied, then why ask for more information. We have still not received any written correspondence in reply to our letters and phone calls. 

We have been fair to XXXX XXXX XXXX XXXX and Sears/Citibank but we strongly feel they are working together to charge us more than others in the same situation. They have told us how their process works and it is anything but fair.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 Balance : {$4800.00} XXXX XXXX Balance : {$8000.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7300.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00}
Product: Payday loan, title loan, personal loan, or advance loan

I was approved today for a loan for XXXX via AFFIRM.com I didnt authorize or ask for this loan and I believe my information is compromised
Product: Debt collection

I called numerous times today XXXX/XXXX/2017 to request to speak to a supervisor, but I guess you all do n't properly train your employees on the FDCPA Law because they answer the line with out ID themselves and then hang up debtors who calling in to pay on their accounts. After finally speaking to supervisor by the name of XXXX XXXX? I explain to him what I am calling to resolve my account and ask what can he offer as a settlement offer, then he ask me what can I offer, then I ask him again what can he offer, then he went out to explain how I was argumentative with the pervious representative, but I inform him if someone ask you a question, it rude to turn around as ask them the same questions that 's how conversation become argumentative but I guess since I 'm the debtor I am not smart and cant comprehend. You all do n't owed the debt which means that when some gives and offer you all suppose to take it and pass on to your client but XXXX told me to send it in written and its okay to send it through the BBB.org. I and offering to pay nothing since you all accuse me of being argumentative when I called and ask a question and all the rep did was ask me the same question I ask and then accuse me of being argumentative. you all are in violation of the FDCPA and I am requesting for you all to pay the bill for me and I need to speak with the CEO of XXXX and or President and laugh if you want to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CFPB - Previous complaint filed related to today 's matter To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Equifax has again violated my rights, by furnished unauthorized inquiries that are indeed not MINE. I have told and written Equifax And event sent my Identity theft report for the Identity theft. I have also Attached this FTC Identity theft report. The Inquiries that are not mine and a result of identity theft are, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These fraudulent increase are from the year XXXX to the year XXXX which I have already previously disputed with CFPB. An Equifax continues to violate my rights. 

You should note that, 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. You stated in the above previous investigation, That You Equifax has verified that the inquries are mine how is this so? And how did you verify inquiries that are a result of identity theft I DEMAND to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for, Your failure to positively verify these accounts 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. These Non account holding Inquiries are not mine and are costing me financial harm.

In addition, please remove all non-account holding inquiries over 30 days old. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen days of the completion of your re-investigation. 


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

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Money transfer, virtual currency, or money service

XXXX, Your transaction has been canceled and will no longer be processed. 

We will refund the account you used to pay for your transaction. 
Refunds to a credit or debit card typically take 3-10 business days. 


While the funds have been withdrawn, your bank may not show a charge immediately. 


Receiver : XXXX XXXX XXXX Send Amount : XXXX USD Date : XXXX Reference # : XXXX The total cost of this transaction fee was {$21.00} which they refuse to refund. I sent money to XXXX  XXXX  because the recipient was in XXXX  XXXX  but they refused to give her the money because her I.D . was from XXXX. So I had to cancel and resend with the receiving State as XXXX  but she received the Money in XXXX  XXXX. I followed the instructions to the letter XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

PNC is preventing XXXX from syncing my PNC account to they're gas credit card.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, an unidentified individual unlawfully gained access to my XXXX mobile account and stole my phone number. They proceeded to transfer my phone number to their device, rendering my phone inactive. Subsequently, they used this unauthorized access to compromise my email and bank accounts, culminating in a {$46000.00} wire transfer from my Chase bank account to their XXXX XXXX account. This wire transfer was successful at XXXX, following six prior failed attempts. My realization of this fraudulent activity occurred at XXXX when I attempted to access my Chase app online, only to find it locked due to suspected fraud activity less than an hour after the wire transfer took place. 
In response to this alarming situation, I promptly contacted Chase bank, initiating a claim and wire recall. Regrettably, they were unable to halt the transfer, and the receiving bank has refused to return the funds. At present, my claim has been denied three times and both banks, along with XXXX, have disclaimed any responsibility. 
Taking immediate action, I filed a police report and alerted the FTC and FBI to this incident. I am reaching out to you with the hope that you can assist me in recovering my funds. Your support in this matter would be immensely appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Wells Fargo is in breach of their own card member service agreement during my XX/XX/2023 statement cycle. 
I accidentally took out a XXXX XXXX. for XXXX on XXXX. I made a payment for {$100.00} on XX/XX/ on XX/XX/ I then made another payment for XXXX  on XX/XX/XXXXXXXX  I then made another payment for {$1300.00}. 
During this time I was a card promotional period where I was being charge 0 % interest until XXXX XXXX 
Well Fargo did not apply any of my payments towards the XXXX XXXX but instead applied the payments towards the purchases which were at 0 % interest. the following month they changed the amount of my XXXX XXXX balance to {$1500.00} when I did not take another advances they continue to assess fees and interest. 

according to their own cardmember agreement that states that How do we apply your payments? 
Minimum Payment Generally, we process your minimum payment in the following order : Lower APR balances ( such as Purchases ) Higher APR balances ( such as XXXX XXXX  ) Amounts in Excess of the Minimum Payment If you pay more than your required minimum payment, generally we apply the excess first to the higher APR balances and then to lower ones.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.