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.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

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

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXXXXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX 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 : 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.

Please remove, block or provide me with your investigation results in written form through the USPS for this account : XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX - XX/XX/2024 XXXX. XXXX XXXX XX/XX/2024 XXXX. XXXX XXXX - XX/XX/2024 XXXX. XXXX XXXX - XX/XX/ XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reach out to XXXX XXXX  XXXX XXXX XXXX XXXX department as well as i made attempts to reach out to the credit bureaus to establish multiple dispute/good will letters, giving explanation of what happen to me in result of me falling behind on my auto payment but it hasnt been a very helpful process so im now reaching out to other agencies to get consumers resolution. 
In XXXX I was disanosed with XXXX XXXX few weeks later then was admitted to hospital out of work for 3 months this is the only reason why I feel behind I apologize for the inconvenience, and I know that this situation is no ones fault but my own. I have enjoyed our business relationship and have made a renewed commitment to paying all my bills on time moving forward. I was wondering if you would be willing to make a goodwill gesture and remove the late payment from my credit reports. XX/XX/XXXX, XX/XX/XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge-off status that your agency has reported to my credit file, specifically regarding account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This dispute is based on violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 6802 and 15 USC 6801, which outline responsibilities for accurate reporting and consumer rights. 

According to 15 USC 6801, consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information they report. It is my contention that the charge-off reported on my credit report does not accurately reflect the status of the account in question. 

Furthermore, under 15 USC 6802, consumer reporting agencies must investigate disputes promptly and ensure that any information found to be inaccurate, incomplete, or unverifiable is promptly deleted or corrected. 

This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this account. 

Additionally, I wish to point out that in the event of a charge-off, I should have received a Form 1099-C ( Cancellation of Debt ) from the original creditor, since the amount is over {$600.00}, which I have not received to date. The issuance of a 1099-C is required by the Internal Revenue Service ( IRS ) for canceled debts exceeding {$600.00}, and its absence raises concerns about the accuracy of the charge-off status reported by your agency. 

I request that you conduct a thorough investigation into the accuracy of the charge-off status of the account. Please provide the following information : 1. Validation of the charge-off, including documentation showing the date of charge-off, the original creditors information, and any supporting details. 

2. Evidence that the charge-off was reported accurately and within the timeframe allowed by law. 

3. Documentation proving that the reporting complies with the Metro 2 format guidelines. 

4. Confirmation of whether a 1099-C was issued for this charge-off and, if so, the date of issuance and the amount reported. 

Until this matter is investigated and resolved in accordance with the FCRA, I request that you remove the charge-off from my credit report. Additionally, please confirm in writing that this dispute has been received and is being investigated. 

Please provide a written response within 30 days of receipt of this letter. Failure to comply with these requests will leave me no choice but to pursue legal remedies available to me under federal law. 

Sincerely XXXX XXXX
Product: Credit card

On XXXX XXXXXX/XX/2023 my XXXX and I entered the Ashley Furniture XXXXStore at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. After browsing and finding a bedroom set we liked, we decided to purchase that day. Our sales representative, XXXX XXXX, assisted us with the purchase and asked if we'd like to finance the furniture. We told him that we were NOT interested in a store card, or a XXXX  card of any kind. XXXX assured us XXXX XXXX XXXX times that the financial product offered was NOT a XXXX card of any sort, but an interest-deferred personal line of credit through XXXX bank akin to a car loan or personal loan. This was not the case, and XXXX XXXX mislead the XXXX XXXX XXXX XXXX was selling on behalf of XXXX Bank for Ashley XXXXStore 's and his own personal gain/commission. 

After providing my personal information to XXXX and XXXX XXXX to open the personal line of credit, I started to receive notices of a new XXXX card hitting my credit report In the coming days/weeks, with 100 % utilization at that. I never provided affirmative express consent for opening a new XXXX card with Ashley XXXX. I currently have other cards with far larger limits and better spending benefits I would have used instead had not been mislead by Ashley XXXX and it's employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several request for Experian to investigate a few inaccurate items on my credit report. Each time I am met with a notice stating We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

Even after contacting customer service as they requested, they have failed to properly investigate each item with no proof of verification.
Product: Credit reporting or other personal consumer reports

Account on credit report is showing a discrepancy in last payment date of XX/XX/2022 and XX/XX/2022 which is a violation of FCRA laws ( 15U.S.C 1681e ( b ) ).

Never receive a 1099-C form from original creditor ; under the IRS definition of charge off it has become a canceled debt and has to be reported on my income. 
The original company, XXXX XXXXXXXX XXXX sold my account to XXXX XXXX XXXX without verifying me and without disclosing their responsibility which is a violation of FCRA laws ( 15 U.S.C. 1681e ( d ) ) The company, XXXX XXXX XXXX, is not bonded nor licensed to collect in my state of South Carolina. 
Please delete account off my consumer report due to violations and inaccuracies.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following are inaccurate : Inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/year> Inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/year> Inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Account Name : XXXX XXXX Account Number : XXXX Balance : {$1400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$910.00} Account Name : XXXX Account Number : XXXX Balance : {$5600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago I won a Dispute against XXXX XXXX for Id theft / unauthorized charges and it was removed. XXXX has now reinserted the same debt under a different debt buyers name. This is an account that was fraudulent and should be removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX  XXXX {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife was trying to trade her vehicle in for a newer model and she was told from my salesmen that she could not make any trade. We asked why and he gave us no explanation. We pulled our credit on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts to tell you that I am a victim of identity theft and I complain some records with such an error, for that i am expected from you to help me remove these inaccurate items. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. It seems no one care, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. The following items are such an erroneous on my file that needs to remove : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$2000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had like five open accounts with a Comenity Bank. At the end of XXXX my wallet was stolen. There were no fraudulent charges on the account and I reported it the next morning. They told me that they were going to close the accounts and send me new cards unbeknownst to me because of because of a previous negative experience I am unable to open up a new account And I am also unable to get any answers as to what the previous negative experience was. I have called many times to Comenity Bank, and Ive spoken with customer service and even a manager who has told me that there is some thing going on behind the scenes that is unbeknownst to me And they will not give me any information as to why they can not open me up a new account. Now when I had my accounts open, I only missed one payment and I paid it as soon as I figured out that I missed it in the whole two years that I had the accounts open, my credit scores at a XXXX although my balances are pretty high on the cards, I am frustrated because Im not getting any answers from anybody as to what is negative experience was and why they can not reissue the cards and open up the a new account. I feel like they are discriminating against me because I had my wallet stolen.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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. 


TRANSUNION 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. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX ( Account Number XXXX, Date XX/XX/XXXX, High Balance {$540.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$790.00} ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5200.00} ), XXXX  XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) Its been over 45 days and TransUnion XXXX respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX  1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX XXXX Account Number : XXXX For EXPERIAN 1. Validate Account XXXX Account Number : XXXX Please verify all   information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : 3XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 

For XXXX  1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX   Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
5. Validate Account XXXX XXXX  Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately
Product: Student loan

Sallie Mae offered loans to an off shore XXXX XXXX school called XXXX XXXX University  XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. XXXX has their admission office and financial aid office in XXXX Tx. They have partnerships with XXXX University and XXXX XXXX XXXX XXXX XXXXXXXX. This school uses these partnerships to provide calm to worries about accreditation even though they were rejected from XXXX in XXXX XXXX. I was an unfortunate victim of this school as well as XXXXXXXX University and Sallie Mae. XXXX accepted me after they pressured me not only for a seat deposit, but for admission requirements to be completed ASAP and were demanding. They accepted me into their pre-med program stating I would get a degree. I found out later this was not accredited as a program and was given a printout of a certificate which held no value. This is when XXXX introduced me to XXXX University  because " it would be hard for me to become a Dr without an undergraduate degree '' XXXX then offered students of XXXX reduced tuition because of their partnership. They encouraged me to take out the maximum I could on loans and grants through the federal govt to use the remainder for XXXX who did not offer private loans and does not qualify for federal loans. Soon after having to start at XXXX and spending over thousands dollars at both schools, XXXX had a partnership with Sallie Mae. Sallie Mae was quick to offer a XXXX XXXX dollar loan and then cancel their partnership with the school but not offer loan forgiveness. These institutions have crushed me financially and I believe these practices are fraudulent. After all why would a private loan lender who has been in trouble in the past for predatory lending, offer loans to a unaccredited, non federal funding eligible institution with such a low graduation rate. Why would XXXX University  offer these programs in the XXXX to XXXX  students who they know have no other option. I would have never gone to these institutions if it were not for deceit and lies that I unfortunately believed because I have never needed to question a School let alone a XXXX school with US affiliations and partnerships with pretty big universities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance Corporation is reporting my balance as {$44000.00} when it is only {$24000.00}.