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

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear JEFFCAPSYS, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the XXXX XXXX XXXX under Sections 392.301 and 392.305, as well as XXXX  XXXX XXXX XXXX XXXX XXXX which pertains to identity fraud. 

It has come to my attention that XXXX has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities. 

Furthermore, XXXX  law under Section 392.301 of the XXXX XXXX XXXX prohibits the reporting of consumer credit information without proper consent. Additionally, Section 392.305 provides specific regulations to ensure fair and accurate credit reporting practices. XXXX  XXXX XXXX XXXX XXXX, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information. 

I have not provided consent for XXXX to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers. 

I hereby demand that XXXX immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the XXXX XXXX XXXX ( Sections 392.301 and 392.305 ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under XXXX  XXXX XXXX XXXX XXXX for identity fraud. 

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring XXXX into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices. 

This notice is given in good faith with the expectation that XXXX will swiftly correct these violations and respect my rights under the law.
Product: Money transfer, virtual currency, or money service

This complaint is in regards to the app called 'cash app '. They are using deceptive strategies to steal money and I would like my money refunded and I would like them to change how their app operates. This issue must have already been reported by thousands of people to you. Basically when you try to withdraw money from them to your bank account a screen pops up with multiple field selections. In one of these fields is the option for 'instant transfer ' which charges astronomically high prices. When you click on that field to try to change it from instant transfer to a normal transfer/cheaper way of transfer, the app automatically instantly transfers the money and takes a big chunk out of it for themselves. There is no safeguard asking you to verify, and also no screen pops up as a receipt of how much they took. This is blatant theft and highly deceptive and wrong. It happened to me on XX/XX/year> and again tonight XX/XX/year>. I know that the one from tonight they charged me {$30.00} and change. The one from the XXXX I dont know how much they charged me. I want my money back and I would like them to put safeguards and verifications in place because they know what they are doing and this is wrong.
Product: Debt collection

Hello, I reached out to portfolio recovery associates on two separate occasions which I will go in to detail, I am working on disputing an alleged debt with the company. On XX/XX/2023 I reached out to the company through their provided email mailto : XXXX at XXXX pacific standard time I waited roughly 14 days for a response but nothing. So I sent another email stating To Portfolio Recovery Associates , LLC Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I received your letter communicating your attempt to collect an alleged debt that is listed below : Debt Collector Acct XXXX Alleged Amount/Balance - {$3500.00} Alleged Original Creditor - XXXX XXXX XXXX XXXX XXXX XXXX 

Be advised that I Deny and Dispute the Validity of this Alleged Debt Entirely. Your Communication attempting to collect this alleged debt was within 6 months. I REQUEST1.9K Verification of this Alleged Debt. I am REQUESTING a copy of a contract or agreement.

Contract or Agreement must be the with the original creditor and signed by all parties involved.

Understand that vou are illegally attempting to collect this alleged debt, that I do not owe. I am also requesting that you cease and desist all collection activities, including reporting to all consumer reporting agencies/credit bureaus. I also promptly request deletion of any and all ... reporting that was made to all consumer reporting agencies/credit bureaus. If you comply with my deletion request within 14 days, verification is excused. Also promptly send me a veriDislike letter confirming the request to all consumer reporting agencies/credit bureaus deletion of your reporting of this alleged debt. This letter and all other evidence may be provided to the Consumer Finance Protection Bureau. 

This email was sent XX/XX/2023 at XXXX pacific standard time. 


Same format for three separate alleged debt accounts held by the company. They have failed to provide original signed documentation from all parties involved not to mention are still reporting with all three major credit unions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Credit Report Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Dear CFPB I am writing to formally dispute the inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), which gives me the right to dispute information I believe to be inaccurate or incomplete. 

The account in question is from XXXX XXXX XXXX XXXX, a collections company, with which I have no contractual relationship. Specifically, the details are as follows : Account Number : XXXX Balance : {$2400.00} Date Opened : XX/XX/year> Payment Status : Seriously past due/ Assigned to attorney, collection agency, or credit grantor 's internal collection department Last Reported : XX/XX/year> Dispute Basis : No Contractual Relationship : Under 15 U.S. Code 1692e of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to report accurate information and must not use any false, deceptive, or misleading representations. I do not have any contractual agreement with XXXX XXXX XXXX XXXX, which invalidates the reporting of this debt on my credit report. 

Inaccurate Reporting of Debt : The FCRA mandates that all information on a consumer 's credit report must be accurate and verifiable. Since there is no contract or agreement between myself and XXXX XXXX XXXX XXXX, the accuracy of this reported debt is in question. Additionally, the absence of payment history and the derogatory information reported without adequate evidence further violates the FCRA. 

Potential Violation of Consumer Rights : The continued reporting of this account as derogatory, without proper verification and in the absence of a valid contract, may constitute a violation of my consumer rights under the FCRA. Additionally, the failure to provide complete information about the payment history and the terms of the alleged debt raises concerns about the legality of this reporting.

Request for Resolution : I request that [ Credit Bureau Name ] conduct a thorough investigation into this matter. If you are unable to verify the accuracy and legality of this information, I demand that this collections account be removed from my credit report immediately.

Please notify me of the outcome of your investigation within the 30-day period as required by the FCRA. If the investigation reveals that the information is inaccurate, I request that the account be removed from my credit report and that I be provided with an updated copy of my report.

Thank you for your prompt attention to this matter. If further information or documentation is required, please do not hesitate to contact me. 

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

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX  XXXX, # XXXX 15 U.S.C 1681 sectio

n 602 A. States I have the right to privacy. 15 U.S.C.1681 section 604 A S
ECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

OPP LOANS/ XXXX  {$1600.00} XX/XX/year> Request for Debt Validation Pursuant to IS USC 1692g They were advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) ( 15 USC 1692g ) stating your claim is disputed and validation is requested. credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character :
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to submit a follow-up complaint regarding unresolved and exacerbated issues with my Chase checking and savings accounts, originally reported on XX/XX/2023 ( case # XXXX ). Since my last communication, the situation has deteriorated further, culminating in the unwarranted and permanent closure of my checking account. 

Despite undergoing further verification on XX/XX/2023, with a supervisor from the Chase Fraud Departmentwhere I answered senior security questions and provided the XXXX XXXX of my current Chase credit cardmy account issues were purportedly resolved. Contrary to these assurances, my checking account was abruptly closed. Today, I spent approximately XXXX minutes before speaking with another supervisor named XXXX, who informed me of the closure and continued to insist on additional verification steps that were not previously communicated.The explanation provided was a failure to satisfy credit card verification ; however, I was inaccurately asked to provide a CVV from a replacement card that I had not been informed was necessary. 

Moreover, my attempt to transfer funds from my XXXX XXXX to my Chase savings account on XX/XX/XXXX, after an initial transfer on XX/XX/XXXX, was rejected without explanation. This transfer was critical to meet the requirements for a promotional sign-up bonus. The necessity to log into my XXXX XXXX account to add it to Chase 's transfer list was a sufficient security measure, yet my efforts were disregarded. 

The cumulative effect of these issues is profoundly frustrating and has caused significant disruption to my financial planning, including impacting my federal tax return. The lack of clear communication and proper handling by Chase has only compounded the stress and inconvenience. 

Given these ongoing challenges and the bank 's apparent disregard for resolving them appropriately, I am seeking the CFPB 's intervention to facilitate a fair resolution. It is imperative that Chase addresses these failures in customer service and account management, especially for customers who are abroad and have limited options for in-person visits. 

Thank you for your attention to this urgent matter. 

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

I respectfully seek the assistance of the CFPB in resolving the matter concerning the two remaining fraudulent inquiries. Previously, I had written to the XXXX and TransUnion Credit Bureaus to request the removal of these inquiries due to their fraudulent nature. This submission serves as a subsequent follow-up to that initial complaint. I am optimistic that during the upcoming update of my credit reports, the XXXX and TransUnion Credit Bureaus will ultimately eliminate the two specific inquiries I've outlined below. Kindly review the following inquiries that require urgent attention for removal : XXXX : XXXX XX/XX/XXXXXXXX  TRANSUNION : XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Double charging me. Filed an extension- they charged me for that too. Then the very next day I got charged full payment! They wont do a thing about it and hung up on me after I explained that I have XXXX XXXX  and zero money now. How am I gon na get gas for the car to get to work to pay for it? They dont care. They are Straight up theives!
Product: Checking or savings account

Ive repeatedly been charged with excessive over draft fees and other penalties
Product: Debt collection

To Whom it May Concern : In mid-to-late XXXX, I had an account with XXXX cable service. I decided to cancel their service and returned all equipment per their instructions. I didn't receive any calls, texts, or emails stating I had a balance. The only email I did receive was a confirmation that my account was cancelled and no further charges would be made. 

Almost a year later in XX/XX/XXXX, I checked my credit report and noticed a collection from Eastern Account Systems and it listed XXXX as the original creditor. Because of the initial reporting of the erroneous collection on my credit report, my scores were severely impacted, causing me to be denied credit. 

Confused by this, I contacted EAS to inquire. Even though I returned all equipment and was not advised by Frontier that I owed anything, I decided to just pay the collection with the understanding that it would be removed from my credit report and I could recoup some of the credit score points I had lost. 

Needless to say, nearly 5 months have passed and it remains on my credit report. I find this completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 credit bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX Mortgage XXXX Acct # XXXX XXXX U.S.C 1681 section 602 A States I have the right to privacy.

16 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may take any consumer report containing the following items of information, other than records of convictions of crimes which indicates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 XXXX XXXX XXXX XXXX XXXX Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On or bout XX/XX/23 I sent Transunion, XXXX, and XXXX a dispute of certain information on my credit report. 
On XX/XX/23 XXXX sent me an email telling that they will not investigate because it appears someone else sent the dispute on my behalf. 
On XX/XX/23 Transunion sent me a letter telling me they will not investigate the dispute because it looks like someone else submitted the dispute on my behalf. 
Till Date XXXX has not responded. 
On XX/XX/23 I sent a response to Transunion advising them that I did in fact send the dispute and they were obligated to respond which they received on XX/XX/23 ; See Tracking # XXXX On XX/XX/23 I sent a response to XXXX advising that I did send the dispute which they received on XX/XX/23 ; See Tracking # XXXX Till date XXXX has not responded.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Equifax reported XXXX of 2023 and XXXX of 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report, there are multiple US Code has been violated by this reporting, XXXX. 15 USC 1681 ( a ) ( XXXX ) Infringed Upon a Consumers right to privacy XXXX. 15 USC 1681b ( a ) ( XXXX ) No Permissible purpose/ No written instruction 15 USC 1681a- ( XXXX ). " Congress says in order for you to have conducted an investigation you have to have Spoken to neighbors, friends or associates etc and if they spoke with them the information provided can not be factual ''