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

I am writing to bring to your attention a serious concern regarding the handling of my recent dispute. It has come to my attention that you have violated my rights by failing to conduct a proper investigation, as required by the Fair Credit Reporting Act ( FCRA ). 
On [ XX/XX/year> ], I submitted a dispute to XXXX regarding XXXX XXXXXXXX XXXX  {$1000.00}, XXXXXXXX XXXX {$800.00}, XXXX XXXX XXXX XXXX {$4800.00} and XXXX XXXX {$870.00}. According to the FCRA, upon receiving a dispute, you are obligated to conduct a reasonable investigation within 30 days to verify the accuracy of the disputed information. 
However, I regret to inform you that your investigation was inadequate and failed to fulfill the obligations outlined by the FCRA. I disputed these account and XXXX reported accurate without proper investigation under the 15 U.S.C 16810 Civil Liability for Neglgient Noncompliance Law I must emphasize the significance of this matter, as the accuracy of my credit report directly impacts my financial standing and opportunities. As a consumer, I have the right to expect a fair and thorough investigation of any disputed information. 
Therefore, I kindly request that you take immediate action to rectify this situation. I expect XXXX to conduct a comprehensive investigation into my dispute, ensuring that all necessary steps are taken to verify the accuracy of the disputed item ( s ). Additionally, I urge you to provide me with a detailed report of the investigation 's findings and any actions taken as a result. 
Please be aware that a failure to address this matter appropriately will leave me no choice but to pursue all available legal remedies to protect my rights under the FCRA. I trust that XXXX will take this matter seriously and act promptly to rectify the situation. 
I look forward to a prompt and satisfactory resolution to this dispute. You may contact me at the provided phone number or email address should you require any additional information or clarification. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act, XXXX XXXX  account # XXXX XXXX  XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX us dept of edu account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX XXXX  account # XXXX XXXX  XXXX  account # XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX has violated my rights. 

15 u.s.c 1681 section 602 A states I have the right to privacy 15 u.s.c 1681 section 604 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I tried relentlessly to close my savings account with Citibank for 5 months. They were supposed to close the account and send my account balance via mailed check. I ended up having to hire an attorney to fight on my behalf to get my OWN money back from them. After 11 months of fighting for my money, my attorney was able to get my money from them. Now I'm stuck with {$300.00} in attorney fees because Citibank refuses to pay my attorney. I never should have had to hire an attorney in the first place to get my own money back, and then to have to pay {$300.00} out of the money I finally received is so immoral on Citibank 's end. Please someone help me hold Citibank accountable for basically stealing {$300.00} from me.
Product: Vehicle loan or lease

I have almost finished paying for my car and it is giving me a lot of motor problems and other issues so I would like to pay in full and get it fixed and close my account with the company that financed it I asked them to drop some late fees and let me pay the evening number XXXX XXXX dollar and close my account with them and they are giving me the ran around I have been waiting 3 days on a response the financial company said they would help me in anyway possible to pay my loan off now the given me the ran around
Product: Credit reporting or other personal consumer reports

Ive sent several letters asking for several accounts on my credit reporting errors to be removed. Charged off accounts from XXXX. As well as other fraudulent accounts and loans opened with identity fraud. They said that the disputes were investigated and updated and were correct but never sent me proof of their investigation. All these false reports have hindered me from getting business loans and buying a home. I asked for every negative item to be removed and only XXXX things were deleted. As well as them not updating late payments error on my XXXX XXXX.
Product: Debt collection

XXXX   XXXX  closed  XXXX  acct &amp; returned equip In  XXXX ,  XXXX   XXXX   XXXX  web portal indicated I had a CREDIT balance due me of {$180.00}. This credit balance was discussed in multiple conversations with  XXXX  thru  X/XX/XX . In all communication I maintained that I disputed any amount due  XXXX  as their portal and my accounting indicated otherwise.  XXXX  verbally acknowledged my position and assured me they would reconcile the acct. Never heard from  XXXX  again. In  XXXX   XXXX   XXXX  placed an unsupported debt in the amount of {$84.00} with SouthWest Credit of  XXXX  TX. No supporting documents or debt description was provide d. Southwest Credit failed  to contact me regarding this claim and filed a collection action against me in  XXXX   XXXX  with no phone or written attempt to resolve the already disputed item. I have had good credit for  30+ ye ars and a FICO score in the  XXXX  range. I applied for a mortgage in  XXXX   XXXX  and was declined because of this single {$84.00} disputed collection item. Aside from every bit of the activity of  XXXX  an d Southwest Credit b eing unjustified and unsubstantiated they have placed undue and unwarranted derogatory claims against me that are impeding my ability to secure credit. I have filed disputes with all  XXXX  credit agencies,  XXXX   (  ER ticket #  XXXX   ),  online wit h SouthWest Credit ( via  their contact us web form ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Report Act XXXXXXXX XXXX XXXX account number XXXX, has violated my rights. 

15 .U.S.C 1681 section 206 A. States I have the right to privacy.

15 U.S.C 1681 section 604. A section 2 : It States a consumer Reporting can not Furnish an account without a written description.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXXXXXX Balance : {$61000.00}
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. This case happened last year. I was told by the bureaus to resend my documents which I have been mailing since last year because according to them the documents are either invalid or they never received them. Please help delete the fraud accounts and inquiries below from my credit reports. I have attached to this complaint my updated FTC reports, driver 's license, social security card, and proof of residency. Fraud accounts : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX, XXXXXXXX XXXX  - XXXX or XXXX - XX/XX/XXXX - What would I do with XXXX XXXX XXXX? The account numbers also differ from each bureau but I suspect that they are the same account because of the open date. XXXX. XXXX or XXXX - XXXX or XXXX - XX/XX/XXXX - This also appears to have different account numbers but may be the same because of the open date. XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX, XXXX. XXXX XXXX - XXXX - XX/XX/XXXX, XXXX. XXXX XXXX - XXXX - XX/XX/XXXX. Fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX )
Product: Money transfer, virtual currency, or money service

I was called from a XXXX  Police Station Phone Number, saying my SSN was compromised and I have a warrant on my head. They asked for money to clear my name and such and asked me to transfer saying they have police waiting to arrest me if I don't. 

They didn't ask my SSN but they asked other informations and such. 

My bank is Chase and .. i regrettably wire transferred money XXXX to their XXXX XXXX account. 

I called the police number without accepting the call from them first when they asked me for more.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I sent a certified letter to Experian and XXXX   asking for the information used to Validate the following debuts : XXXX XXXX XXXX. In addition to the XXXX XXXX XXXX I wrote XXXX XXXX. I have not received the information used to validate these dates. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. I am also attaching an opinion letter from the FTC on the illegal practice of continuing to report these collections on my credit report without proper validation ( Review the FTC Lefevre-Cass letter ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A PROVEN VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.
Product: Debt collection

I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.To Whom It May Concern, The reason for my dispute isXXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX . 
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX  ( 3rd party ) 15 USC 1681 section 602 a, states I have a right to privacy 15 USC 1681 section 604 a section 2, states a consumer reporting agency can not furnish an account. Without my written consent or instructions. 

15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following information : Any other adverse item of information, other than records of convictions and crime which antedates the report by 7 years. 
No 15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if a person knows or have reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1679c Experian reporting unauthorized fraudulent inquiry from XXXX dated XXXXXXXX  15 U.S. Code 1679c Experian reporting unauthorized fraudulent inquiry from XXXX XXXX dated XXXX 15 U.S. Code 1679cXXXX reporting unauthorized fraudulent inquiry from XXXX dated XXXX 15 U.S. Code 1679c XXXX reporting unauthorized fraudulent inquiry from XXXX XXXX dated XXXX 15 U.S. Code 1679c XXXX reporting unauthorized fraudulent inquiry from XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have filed the correct paperwork and sent it to the credit reporting agencies. They have not processed it correctly and have not attached the paperwork to my disputes correctly per the FCRA. Also, I have asked for copies of the verification per the FCRA and not gotten that. 

These are the accounts.. 

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

I have seen multiple credit inquiries on my Transunion and XXXX credit file. I have a credit freeze in addition to fraud alert, but unfortunately, the bureaus refused to remove them, stating they believe the inquiries are legal and legitimate without question.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports from all three major credit bureaus and noticed that items under XXXX XXXX XXXX with account number XXXX and XXXX XXXX XXXX with account number XXXX have been removed by XXXX after their investigation found them to be inaccurate. I have attached a copy of the updated credit report from XXXX showing these removals. 

Despite this, the same items remain on my credit reports with XXXX and Experian. I have contacted these bureaus, provided evidence, and requested the removal of the inaccurate information. However, they have not taken the necessary action to correct my credit reports. I request that the CFPB intervene to ensure the accurate and consistent reporting of my credit information. 

This continued presence of inaccurate information is causing significant distress and financial harm. I request that the CFPB intervene to ensure the accurate and consistent reporting of my credit information.
Product: Credit card or prepaid card

Sams Club credit card. Serviced by Synchrony Bank.

Synchrony Bank keeps sending me alerts about a Sams Club Mastercard card number that is not even mine. 
I have called them three times now. Only to be told they do not see a problem at their end so there is nothing they can do about it. 
I finally told them I was filing a complaint with the CFPB.
Product: Checking or savings account

I recently invested in an 11 month no-penalty CD with CIT Bank who XXXX at the time, was offering the most competitive rate. As the rate environment has changed I'm now looking to close out the existing CD to reinvest the funds at the higher rate now offered by XXXX. While this process is simple with XXXX 's competitors, primarily XXXX and XXXX, XXXX has intentionally made the process difficult/near impossible by forcing seemingly endless hold times on customers trying to close out CDs. At XXXX and XXXX, customers are offered the ability to close out accounts on their own via their online portals and the entire process can be done in under a minute. At XXXX, however, you must call customer service, select an option to talk to a representative about account management and wait up to a couple hours to actually reach a representative. Thereafter they notify you that you'll need to be handed over to the " transaction line, '' an option not immediately available during the initial menu offerings, wherein you have to wait on hold again for a period of hours to reach a representative. During the second hold period there is no relay of hold time estimates nor do you talk to a representative at any point in time. Seeing that there is a simple solution to this problem, already deployed within competitor 's portals, this ongoing issue appears to be intentional and done so to strip customers of their ability to access their funds in a timely manner to the benefit of XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent charges on my credit report, as I am a victim of identity theft, likely perpetrated by my ex-husband. Despite my repeated attempts to resolve the issue, I have been unable to obtain any proof from creditors or credit bureaus, such as contracts or signatures, substantiating these unauthorized accounts opened in my name. I was not notified within the 5-day window required by 15 U.S.C. 1692g, which is a violation of my consumer rights, and my privacy and credit have been directly harmed in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is prohibited for creditors to report inaccurate information to credit agencies, which is clearly what has occurred in my case. I demand that immediate action be taken to remove these fraudulent accounts from my credit report and correct the inaccuracies, and that I receive any supporting documentation for these charges. Should the necessary proof not be provided, I expect these accounts to be permanently deleted. I will pursue legal action against the creditors and credit bureaus involved for failing to comply with federal law and for violating my rights. Thank you for your prompt attention to this matter. 

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

I have a mortgage from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX  with no successful resolution. Experian, XXXX, and XXXX  only reporting me 30 days late in XX/XX/2019 and 30 Days Late in XX/XX/2019. There was an error on their part. I was never 30 days late on these two occasions.