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

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX 2025, 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  XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

Company verified information but did not provide me any original documentation or signature.

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.
Product: Credit card

I have a mastercard from JCPenney issued by Synchrony Bank. 
I traveled overseas back on XX/XX/2023. I was robbed and immediately reported my card to them letting them know it was stolen. This was on XX/XX/2023. The next day 2 big charges were done in my account. I called them so many times and they just give me the run around between customer service and the fraud department. They never removed the fraudulent charges. 
They have only replace my card like 2 times. 
On XX/XX/2023, 2 big charges were made of {$2600.00} same amount plus international fees of {$78.00} also 2 times. 
Thanks in advance for any help or advice XXXX XXXX XXXX XXXX XXXX XXXX
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 for these violations.
Product: Debt collection

I used to use XXXX 's XXXX card. I stopped the card and asked, " Do I have any remaining balance that I can clear right now ''. I was replied " No sir ''. I want to close the account and plz make sure that is closed with " XXXX balance '' I was replied, " Your account closed with XXXX balance ''. After quite some some, may be more than 6 months, XXXX 's XXXX store in XXXX, Alaska closed their store and then I started getting letter from mcm-XXXX  XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA-XXXX, phone-XXXX XXXX XXXX. 

The quoted info : Original creditor : XXXX XXXX Original A/C : XXXX   mcm A/c : XXXX Current owner : XXXX XXXX XXXX current balance : {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting disputing my credit file around XXXX XXXX for inaccuracies. My file  came back verified so I ask the process of the way of verification and I never received anything  back from the bureaus.
Now the disputes were with
XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6600.00} ; XXXX XXXXXXXX XXXX Balance : {$2300.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$58000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, had violated my rights. 

15 U.S.C 1681 Section 602 A. Section 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 an account without my written instruction
Product: Debt collection

I lived at XXXX XXXX on XXXX for 5 years and moved out in XXXX. When I moved out XXXX XXXX at XXXX did not return my security deposit which was {$1200.00}. They said that I was responsible for normal wear and tear which meant that I had to pay for new carpet, the apartment had to be painted and the window blinds needed to be replaced. I never had the time to take them to court to sue them for my deposit. Now, in XXXX a company called XXXX XXXX XXXX XXXX has contacted me with more nonsense stating that I owe them {$1500.00} which includes interest. I consider this harassment and I do not want them contacting me with false information because I do NOT owe for normal wear and tear while living in an apartment for 5 years with perfect payment history despite the fact the my security deposit of {$1200.00} was not returned. 

Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These transaction were not made by me and furthermore, I never gave written permission to report this information OR furnish this information on my consumer report. 
State of Maryland, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ON XX/XX/2024 I SUBMITTED MULTIPLE COMPLAINTS ON EXPERIAN, XXXX AND XXXX THROUGH THE CFPB WEBSITE, I ALSO MAILED THE SAME LETTERS VIA USPS. 

AFTER MANY MONTHS OF DISPUTE LETTERS AND COMMUNICATIONS WITH EXPERIAN, I AM APPALLED THEY SENT MULTIPLE EMAILS TO ME STARTING ON XXXX XXXX WHICH ALL CONTAINED THE BELOW FIRST FEW PARAGRAPHS. 

FROM EXPERIAN ; [ [ [ XXXX XXXX XXXX, To view your rights, visit www.experian.com/fraudrights and www.experian.com/fcra. 

We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.

Therefore, we are declining your request to block one or more of the items of information. If you have additional relevant information that indicates that the disputed item ( s ) resulted from identity theft, please contact us again and provide this information. If you still believe the disputed item ( s ) is inaccurate, then we will add a statement of continued dispute to the credit report at your request. ] ] ] I RECEIVED ONE EMAIL ON XX/XX/2024 AND ANOTHER ON XX/XX/2024 THEN FINALLY ANOTHER ON XX/XX/2024. 

ATTACHED IS THE LETTERS THAT I SENT VIA USPS ALONG WITH THE LETTERS SENT ON THE CFPB COMPLAINT. 

MY COMPLAINT ; [ [ [ I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. ] ] ] I HAVE INCLUDED A COPY OF MY IDENTIFICATION CARD, SOCIAL SECURITY CARD, AND TWO SEPARATE LETTERS WITH MY ADDRESS FOR VERIFICATION. 

SINCE THIS IS MY SECOND TIME SENDING THESE AND A COMPLAINT, WITH MY WORDS HERE AND SHOWING THE CONTENTS OF THE EMAIL RECEIVED FROM THE CREDIT BUREAU, THERE SHOULD BE NO WAY THAT THIS REQUEST WAS MADE IN ERROR! IT IS ALSO NOT BASED ON A MATERIAL MISREPRESENTATION OR THAT I KNOWINGLY OBTAINED OR SHOULD HAVE KNOWN ANYTHING REGARDING THE TRANSACTIONS THAT I AM SEEKING TO BLOCK. 
THIS EMAIL IS KNOWN AS A STALL TACTIC BY THE GENERAL PUBLIC AS A SHADY PRACTICE FOLLOWED BY THE CREDIT BUREAUS.
Product: Checking or savings account

It appears that Bank of America fraudulently opened a checking account in my father 's name. They began charging minimum account fees against the account in the amount of {$12.00} per month. The account appears to have been opened on or about XXXX XXXX. Fees began to be charged against the account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total negative balance of - {$36.00}. 

My father passed away on XXXX. We only discovered the fraudulent account when going through probate procedures. Additionally, we can confirm this was fraudulent because all other accounts unrelated to this account were joint with my mother, this account was created as an independent individual account ; no funds were contributed to the account to prevent the collection of fees ; and my father suffered a XXXX XXXX in XXXX that rendered him XXXX  and XXXX  XXXX  of opening such an account without the assistance of my mother. 

On XXXX we contacted Bank of America regarding this matter and filed a fraud claim at XXXX MST via their fraud line at XXXX. They transferred me to their check fraud department, they then forwarded me back to the fraud department, and then I repeated this process in a loop. We are pending verification to close accounts within 10 business days according to the final associate I spoke with. However, they did place a Hold on the account after being notified of my father 's passing. 

This is in reference to the CFPB 's recent announcement/article on XX/XX/XXXX, " CFPB Takes Action Against Bank of America for Illegally Charging Junk Fees, Withholding Credit Card Rewards, and Opening Fake Accounts ''. 

-https : //www.consumerfinance.govXXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate addresses that continue to appear on my credit report. Despite submitting previous dispute letters addressing this issue, these erroneous addresses remain listed, and I am formally requesting that they be removed from my report immediately.These addresses do not belong to me and have no relevance to my credit history. I have previously provided all necessary documentation to prove my correct address and requested the removal of these incorrect entries. However, despite multiple requests, the incorrect addresses have not been removed, which is a violation of the Fair Credit Reporting Act ( FCRA ). The continued presence of these addresses could lead to confusion or potential inaccuracies that affect my creditworthiness. I once again urge your agency to review my credit file and ensure that only accurate and verified information is reflected on my report. It is your responsibility to maintain the integrity of the information provided to lenders and other third parties. Please correct this oversight by promptly deleting the incorrect addresses and ensuring they do not appear on any future credit reports. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX. NY XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, CA XXXX XXXX De La XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY, XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 card or prepaid card

I made a payment of {$6000.00} using my XXXX XXXX XXXX online bill pay to an American Express card number that does not exist ( my error ). Instead of returning the funds to my bank, the funds just disappeared - no notification was sent by AmEx. I called AmEx and was told they would " start an investigation '' - do n't know what there is to investigate - the investigation reference given to me is : XXXX. It 's now been 20 days since the event. My last conversation, three-way with AmEx, XXXX  XXXX XXXX, and me ended with " this is our process ''. On that call XXXX XXXX XXXX provided all proof of payment and all payee information to no avail. So here I am.
Product: Credit card

I had paid off my balance on XXXX XXXX XXXX  in full. I received on XXXX XXXX XXXX A interest charge fee for no reason, of XXXX. I paid it because in my past dealings with this citizens bank they have made it a living XXXX, and at the end of it they don't help or ever give you your money back, I will just be closing my account with them, because they are thieves and should not be in business. First they never gave me my money back on a fraudelent charge, and now they charge me interest when I had XXXX balance on the card. This company should not be able to operate, I will not be shocked when they go out of business. I do not care about my money back because they will make me open a checking account with them or keep my current credit card account open and I prefer to have nothing to do with this terrible company they are by far the worst company I have ever had to deal with.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " ( Furnisher of information tocredit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), anyconsumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of theconsumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher ofinformation to credit agencies ) whether it be verbal, non-verbal, written, impliedor otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institutionmay not disclose nonpublic personal information to a nonaffiliated third partyunless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Neverinformed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the followingitems of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. and I want my securities that were sold on my application.
Product: Consumer Loan

I lost my job and am unable to pay the loan and now they are targeting my spouse since she is the only XXXX with a job at the moment they call everyday visited and harassed me and my spouse called her work and went called our friends to contact us and she is very stressed out since they are threatening to take legal action to garnish her wages for the amount we owe.
Product: Credit card or prepaid card

On  XXXX   XXXX ,    2017  I received an email from my personal  XXXX  account that a trip ( Itinerary #  XXXX  ) had been booked on  XXXX  trip was booked from  XXXX  to   XXXX   XXXX    for  XXXX ,    2017  through XXXX   XXXX ,  2017 . I immediately went into my  XXXX  Account and noted how the trip was paid for. Upon arrival at home I looked for my credit card ending in  XXXX  from Barclays Bank and noticed it was missing. I immediately called Barclays and reported the card-lost-stolen. I was given credit and sent a new card. Days later I noticed the charges appeared back on my online account. Upon further review the names on the itinerary were listed as my  XXXX  old daughter  XXXX   XXXX  and her  XXXX  old boyfriend  XXXX   XXXX . After speaking with my daughter about this unauthorized charge I calle d Barclays a nd advised them of the situation. I explained that these charges were not authorized and the fact that my daughter is  XXXX  old and unable to travel alone. I was advised b y the Supervisor   XXXX   (   XXXX   )  that this was not going to be covered and that I would be responsible for the charges as the unauthorized charges were made by my daughter. I explained the circumstances and how she was not given permission nor is she authorized on my account to make these charges.  XXXX  said there was nothing he can do that I would be responsible even though the trip and the hotel would not be taken.     I do not understand how Barclays states I am covered against unauthorized charges but yet I am being held liable for the charges. The total amount charged to my card is {$1000.00}. I called  XXXX  on  XXXX / XXXX / 2017  and was advised that I would need to call my credit card company as they agreed this is an unauthorized charge.
Product: Mortgage

Have proof the Company was fraudulently denying my claim for a modification saying that my documents were incorrect or not received when I have proof that they were and truth is they can not view my documents because I was a former employee of the bank and so their fraudulent method did not apply or work therefore they were exposed the downside of this is that I'm about to lose my home and they are strong arming me even more to this day. I need help and someone to be on the up and up in this crazy corrupt scenario I was in a XXXX XXXX XXXX XXXX  passenger that left me with a XXXX XXXX XXXX and XXXX XXXX XXXX XXXXk yet Pnc told me it did not sound like I had a XXXX XXXX and in on my deferment and my modification and continued to claim they did not receive my paperwork and this whirlwind of a joke as they try to steal my equity per two different attorneys after review
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit monitoring company showed that my Credit score dropped 28 points from Transunion. I verified this with another credit monitoring company. I tried to contact Transunion through there dispute site but was unable to dispute this score due to not knowing why they dropped it or what account it may have fallen under, all accounts are in very good standing. 

Please advise, XXXX XXXX