23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a dispute letter addressed to you requesting that you update, and correct the disputed erroneous account that is reporting inaccurate information on my Credit file. I have read that you are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up on the previous CFPB complaint I submitted complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit Reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of the investigation. However, you have failed to send me copies of the documents they are required to send me and claimed that the accounts are verified. I am requesting the Credit Bureaus to please correct the listed account from my Credit report : XXXX XXXX XXXX XXXX : {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account a few times, so today I'm filing this complaint because the credit companies failed to remove XXXX XXXX XXXX XXXX account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. Inwhich XXXX   breach has compromised millions of Americans private information and I'm one of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED 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

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

To Whom It May Concern, I am writing to formally file a complaint concerning unauthorized transactions on my TD Bank account. I discovered that my account had been compromised by fraudulent activity resulting in significant financial loss. I promptly reported the matter to TD Bank, filed a police report, and provided all necessary documentation to substantiate my claim. 

Despite my immediate action and compliance with all required procedures, TD Bank has not taken sufficient measures to resolve the issue or reverse the fraudulent charges. This inaction has not only caused considerable financial distress but also raised serious concerns regarding their fraud prevention and resolution protocols. 

I respectfully request that the CFPB investigate this matter to ensure that TD Bank re-examines my claim, reverses the unauthorized charges, and improves its security measures to protect customers from similar incidents in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several dispute letters to the credit bureau for the following account but still have not received any response from them. It is more than 45 days since I sent my last dispute letter. 
XXXX XXXX  Account # : XXXX ( XXXX  , XXXX, TU ) XXXX  XXXX  Account # : XXXX ( XXXX, XXXX, TU ) XXXX Account # : XXXX ( XXXX, XXXX  , TU ) XXXX Account # : XXXX ( XXXX  only ) XXXX Account # : XXXX ( XXXX, XXXX, TU )
Product: Debt collection

Failure to properly validate and or comply with the terms that I requested presenting proper validation. I requested for validation not verification. But instead I was presented in the mail with an itemized bill. Please note that as per FTC opinion letter from  XXXX   XXXX   XXXX , you should be aware that a printout of a bill or itemized document does not constitute verification.
Product: Credit reporting or other personal consumer reports

I have accounts that are inaccurate on my consumer report that are to be deleted for violating the FCRA. THEY ALL HAVE DIFFERENT DATES OF LAST ACTIVITY/STAUTS DATES AND THE PAYMENT HISTORY IS DIFFERENT BETWEEN XXXX, XXXX, TRANSUNION. DELETE THESE ACCOUNTS IMMEDIATELY. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THESE ACCOUNTS I HAVE LISTED ARE REPORTING DIFFERENT DATES IN THE PAYMENT HISTORY AND DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES BETWEEN XXXX, XXXX, AND TRANSUNION. UPDATE THESE ACCOUNT IN THE PAYMENT HISTORY FOR EACH MONTH TO PAID AS AGREED, PAID ON TIME, NEVER LATE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( AS A REMINDER, XXXX JUST GOT SUED FOR VIOLATING THE FCRA IN NOT HONORING WHAT PEOPLE HAVE REQUESTED IN THEIR DIPSUTES. THE CFPB STARTED A LAWSUIT ON XX/XX/year> AGAINST THIS COMPANY FOR SHAM INVESTIGATIONS. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with an account and inquiries I did not authorize, can you please update and delete
Product: Credit reporting, credit repair services, or other personal consumer reports

report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX acct # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I have submitted all required documents to XXXX and XXXX but none of them have removed the fraudulent accounts from my report EVEN when creditors have acknowledged the Identity theft situation, I have contacted Bank of America in regards of the account XXXX being reported in my credit and they do recognize that said account doesn't have my social security number, neither my zip code nor address, only my name, but that account is still being reported to my credit by XXXX. In the case of XXXX reporting on XXXX and XXXX XXXX, those accounts are consequences of identity theft, XXXX is reporting that account with another person and they do not delete that information from my report on both XXXX and XXXX.
Product: Debt collection

I applied for credit with XXXX to purchase a XXXX XXXX cellphone I was given {$3.00} in credit to purchase the phone from TD bank. 
When the phone was sent to me through XXXXXXXX I told the XXXX worker to please return to sender I did not want the phone with in the same day of the delivery Td bank put that I owe {$710.00} for the phone I made numerous calls to XXXX to pay Td bank for the return cellphone XXXX has not responded to this date XXXX financing account number is - XXXX XXXX is trying to scam me to pay for a phone that was return I enclose receipts of return.
Product: Checking or savings account

On XX/XX/2022 I noticed that there were transactions done with my debit card not done nor authorized by me, the same day I notified the bank that such transactions were unauthorized/fraudulent. They open a case and today XX/XX/2022 I received a notice that the bank had closed the claim and had determined the transactions were infact mine and I was not to receive any credit for it.
Product: Student loan

I have been making over payments to my student loans. When submitting the over payment I direct Navient to apply the over payment to my unsubsdised portion of my consolidated loan. Dispite my clear direction and having called twice to address the issue all over payment continue to ignore my direction and split the payment between both the subsidized and unsubidized loans. I plan on attendeding grad school and when the subsidized portion will stop accruing interest so this behavior is actively increasing the cost of borrowing. 

During my most recent payment I took screen shots of my payment during the process and it shows until it is applied it is only payin one loan once revived they split it.
Product: Vehicle loan or lease

I bought a car from Highline Automotive XX/XX/XXXX. I went to have the car inspected i XXXX and was told that the car had a warranty even though Highline didnt disclose the information and sold me a second warranty. I emailed Highline XX/XX/XXXX, XX/XX/XXXX. Called XXXX, XXXX, XX/XX/XXXX and they would not respond or return calls. I left a nad XXXX review and they responded to the review quickly and said I was lying. I finally get the manager, XXXX, on the phone and tell him I want the warranty canceled and I want my money refunded. I dont hear from them for another week. I contact the attorney general. Company states they sent me paperwork and I didnt fill it out. They never told me there was paperwork. They didnt send anything. I give them 3 different emails and ask why they didnt mail the paperwork or call when it wasnt received - no answer. I get the paperwork XX/XX/XXXX. I send it to the warranty company and copy the auto dealer on the email. 3 days later I am told the warranty was canceled but the dealership needs to process the refund. This is XX/XX/XXXX. I reach out to them XX/XX/XXXX and XX/XX/XXXX requesting proof they processed the refund. No answer. XXXX XXXX XXXXXXXX XX/XX/XXXX. I reach out to them today XXXX. No answer still. They owe me {$2400.00} plus proof of services ( car detailing and oil change ).
Product: Student loan

I was approved for borrower defense ( # XXXX ) and have received the forgiveness on my loans, with the exception of the refund due to me for payments made since my loans were consolidated into federally-held Direct Loans in XXXX. The time spent on this issue is beyond frustrating. I am due a refund, per my own estimates and my student aid text file from FSA, of approx. {$9500.00}. I have contacted Mohela numerous times as well as Borrower Defense ( the last on XX/XX/XXXX ), and have been unable to obtain any information whatsoever. Mohela ( reps as well as supervisors ) state this information comes from Borrower Defense. Borrower Defense states that the servicer, Mohela, has this information. Neither can give me any information at all on how to fix it or who is actually the correct party. As the XXXX  settlement was supposed to be completed by XX/XX/XXXX, it is already way overdue. The only actual information I have been able to obtain was from Mohela, stating that they received the forgiveness request in XXXX but no information regarding a refund due. Were the roles reversed, and I was late making a payment ( to which I can state I always paid on time ), no quarter would be given to me. It is totally unacceptable to treat customers in this manner- I am only due this forgiveness and refund because I was defrauded by a for-profit school ( XXXX ), not because I am trying to get something-for-nothing. I am an honest, tax-paying citizen, and do not deserve to be disregarded in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a natural living human and I have rights under the 15, USC 1681, that XXXX  who is governed under 15, USC 1681, they have violated my rights on numerous occasions and I demand that the following accounts from the list below be removed. According to Rule 15, USC, 1681, I have the right to privacy and I did not give XXXX real permission to furnish these accounts information. 

Accounts : XXXX XXXX XXXX Account XXXX Contact info XXXX XXXX XXXX # XXXX XXXX, SC XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NY XXXX NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, UT XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX
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 XXXX submitting this complaint and there is no third party involved. 
. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXXXXXX 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. 
XXXXXXXX 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 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've reached out to XXXX XXXX XXXX about XXXX accounts i do not recognize on my credit report and have not received updates. I believed my mail was stolen from my previous address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and credit cards were open using my name and old XXXX University XXXX XXXX XXXX XXXX XXXX also opened that I promptly paid in full to avoid further damage to my credit. my new address has also showed up as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.