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

I am writing to formally dispute inaccuracies on my credit report related to identity theft. 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 : XXXX XXXX TransUnion 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. TransUnion LLC ( 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
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax, XXXX and XXXX has some inquiries and accounts on my credit report that are not mine. 
last four of social that is not mine : XXXX- not mine INQUIRIES that are not mine : XXXX/EQUIFAX MORTGAGE SERVICES- not mine XXXX XXXX XXXX- not mine XXXX not mine XXXX XXXX XXXX-not mine XXXX XXXX-not mine XXXX XXXX XXXX- not mine XXXX XXXX XXXX XXXX- not mine XXXX-not mine XXXX XXXX XXXX- not mine XXXX & XXXX XXXX XXXX XXXX- not mine XXXX XXXX XXXX XXXX not mine XXXX- not mine accounts that are not mine : Creditor : XXXX XXXX XXXX Account : XXXX I have no knowledge of this account XXXX XXXX XXXX Account : XXXX I have no knowledge of this account Creditor : XXXX XXXX XXXX Account : XXXX I have no knowledge of this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquiries on credit report from XXXX XXXX XXXX XXXX dated XX/XX/, XXXX XXXX XXXX XXXX dated XX/XX/, XXXX XXXX XXXX dated XXXX they inquiries were to be removed from Equifax and these credit union dont even operate in California jurisdiction to even run my credit
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit file from XXXX Equifax and XXXX immediately. 
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
Product: Vehicle loan or lease

I had leased a used XXXX in XX/XX/2016 and at the end of the lease turned the vehicle in. At that time I bought another XXXX vehicle. I did the transaction at XXXX of XXXX. Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The salespeople who sold me the new car were XXXX XXXX and XXXX XXXX. 

I wanted to lease the vehicle but at the time XXXX was not providing leases on used vehicles. So I opted to buy the vehicle outright. At the time of purchase I confirmed that I will not be assessed a disposition fee. I asked this explicitly and was told clearly NO disposition fee since my only option was a purchase ( not lease ). But a month later I received a bill with disposition fees. 

When I spoke to XXXX XXXX at the dealership he was surprised and promised to fix the situation. His exact words : " Send me the paperwork, you should not be paying this fees ''. I emailed the paperwork to him and he replied saying he's looking into it. Later he told me that I'll have to take this up with XXXX XXXX. This was a total flip-flop! But I got in touch with XXXX XXXX and they instead claimed that I'll have to resolve it with dealership. So now I'm left hanging with the dealer effectively lying to me and me having to pay {$350.00} which I wasn't supposed to!
Product: Credit reporting or other personal consumer reports

CREDCO  XXXX optain my credit report on XX/XX/year> with multiple hard inquiries on my XXXX XXXX and XXXX report I never applied for a loan with CREDCO  XXXX and I currently don't have an account with them these activities are fraudulent according to the FCRA therefore I am asking CREDCO  to remove the hard inquiry from my credit report.
Product: Money transfer, virtual currency, or money service

I received {$15.00} from a friend on Venmo. They froze my account twice without reason nor did I violate a user agreement. It has been frozen for XXXX weeks. I am falling behind on bills to provide for me and my XXXX children. I spoke to several team members of Venmo and it has yet to be resolved. Ive sent my driver license several times as well and its still frozen. I tried to close the account but they said it has to be unfrozen first. I feel like they are scamming me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documents to all three credit bureaus requesting to UPDATE AND REMOVE MY PERSONAL INFORMATION. I submitted my drivers license as well as a utility bill as a proof of address. However, old addresses are STILL on my credit report. I also submitted letters requesting for verification of items. I have not received a correspondence from either bureau regarding my dispute. The credit bureaus have 30 days to investigate and it has been WELL over that time frame. This is a clear VIOLATION of my rights as a consumer. I want EVERYTHING THAT I DISPUTED REMOVED OR I WILL PURSUE A LAWSUIT FOR VIOLATING MY RIGHTS. As a consumer and per FCRA., ALL items should be REPORTING ACCURATE.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding sales handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using the numerous times and reporting discrepancies my financial institution, and they fail to investigate, my claims adequately. They informed me that recovering loss fund was impossible, and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concern about consumer safety. There has been times where I sent Zelle and the receiving party has not received it and there has been times where i were receiving and never received my payment when I spoke to Zelle about it they did nothing about it and discontinued me from using Zelle. Zelle has completely stop me from being able to use their services after my complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to XXXX XXXX XXXX continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no XXXX party involved.Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an American express green card, i called their customer service line regarding a question about my reward points. I was offered an upgrade to a platinum card by the representative. I declined the offer because of the spending terms, Then he said he could upgrade me to a gold card. I accepted. i received the card in mail. About a month later i received two statements and called American express to find out when they would be merging my green card account with my gold and they informed me i had two accounts. I said i did not want two accounts they said i can just close the green card. I advised I did not want to do that because it would negatively affect my credit rating and that is not what i agreed to do. They said I did. I filed a complaint with American Express. Then i finally got a response back 5 weeks later after several other phones calls and was told that the recording has the representative reading a disclosure to me and that means i was told i was opening a second account. I told them the representative did not explain what he was reading disclosure for, i assumed it was normal protocol for upgrading. I asked for copy of recording they refused said i have to get a subpoena and mail it to them for the recording, i asked if we could listen to call together and they said no. Then the supervisor said she could speak no longer about the situation. If American Express is going to use a recording to make a decision that affects my credit why cant i at least hear the call? I need American Express to correct my credit Bureau so i do not suffer any adverse consequences on my report.
Product: Debt collection

I received a letter for ONLINE Information Services stating I had a debt from XXXX XXXX. When calling XXXX I had no balance and had been paid XX/XX/2022. This company is a scam with all my personal information calling my phone and sending letters to my home address with a false debt. XXXX also informed me this is not who they use for debt collection and upon reading online is a huge scam company that needs shut down ASAP.
Product: Credit reporting or other personal consumer reports

In XXXX, the CFPB banned XXXX XXXX for their deceptive business practices. All of those consumers were relieved of their debt, with no further monetary obligations attached. However, XXXX XXXX sold the debt, with my name attached to it to Vance & Huffman LLC. Vance & Huffman purchased this fraudulent debt & then attached it to my credit report. With no contracts or signatures, this company reported the debt to all XXXX bureaus. I have disputed this debt multiple times. Yet, XXXX keeps denying my dispute request and they refuse to remove it. I have made them aware of the CFPB ban and I have notified XXXX of this fraud. This false reporting has hurt me tremendously. It has lowered my XXXX XXXX and made me appear as a delinquent consumer. In return, this false reporting has kept me from getting approved for many things. XXXX should not allow false reporting in any manner. This false debt needs to be removed.
Product: Prepaid card

Around XXXX, I moved into a new apartment. After changing my address, my First Tennessee Bank XXXX Card ( Prepaid debit ) was locked for security reasons. I called in shortly after to unlock my account, and it had to be escalated to a security team. I never heard back from them about this, but my account remained locked. 

In late XXXX, I called back in to try and get this issue settled XXXX and for all. They, once again, escalated my account to the same security team. I was told to call back after 5 business days to see what updates had been made on my account. A week or so later, I called back in and the customer service rep told me to wait a couple more days to see if an update goes through. 

A few days later, I called again, and the rep then said she would escalate my account again because there had been no such update. Five business days later, I call in and the rep says that she does n't see the second escalation, but then does re-escalate my issue. 

I 'm honestly unsure which rep told me this, but I was informed that the issue was that they could not verify my previous address ( but this was n't an issue until I changed my address to my new apartment ). This rep asked for my old address and said that she sent it in with the escalation. 

Five more business days later, I call in again, and the rep is flabbergasted and says that my account has been escalated twice and there is still no update. She said she would notify her superior regarding the issue and to call back today ( XXXX XXXX, 3 business days later ) to see if there is any update. Of course, the rep told me that the escalations can take up to 3-5 days and to call back after a little more time. 

This is unacceptable. I have been unable to access my funds ( & gt ; {$500.00} ) for months now because my account is locked and nothing the reps seem to do makes any progress towards unlocking it. To make matters worse, there 's a XXXX $ monthly fee that might be being charged to me even though I ca n't access my account.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX 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 in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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. 

XXXX  XXXX 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 card

I was scammed by an XXXX seller with what was called the " USPS scam '' which I later learned about : the seller sent some random paper through USPS and claimed it was my camera. Then the seller came to me on the day of delivery and stated that the package was delivered to the wrong address SOMEHOW, and that was even BEFORE I checked if anything was delivered to me and contacted the seller. The package weighed only 1lbs according to USPS which is impossible for a XXXX XXXX XXXX camera with a full case, and the address was actually correct according to USPS proof of delivery. The reality is I do not have the item that I intended to buy with this money and have not even received anything. Yet the " seller '' is still able to make Discover not refund my money and won dispute # XXXX because he has that piece of scam tracking number from USPS that says it's delivered, which I contacted USPS and reported that it was not delivered. This made no sense and I do not know what Discover 's investigator is doing.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received an email from PayPal regarding a negative balance of {$110.00}. I have not made any transactions on my PayPal account, and logged into my account to check the negative balance. My account had been hacked ( a quick XXXX search reveals that approximately XXXX accounts were hacked in early XXXXXXXX XXXX XXXX ), and was changed to a Business account without my knowledge, with an address in Tennessee ( I am in Maryland, and have NO connection with this business ). While there is NO bank account OR card linked to my account, the hacker was able to make several transactions, as they were running a fraudulent business selling items online. The buyers filed a dispute with PayPal due to never having received the items ( again, I did NOT authorize these transactions ), and filed a charge back, which PayPal applied as a negative balance to my account. I did NOT authorize these transactions, and therefore, should NOT owe the {$110.00} that is said I owe. I NEVER received ANY notification of account changes or transactions made on my account. This appears to be a violation of Federal law, which usually requires the company ( i.e. PayPal ) to notify consumers as soon as they are notified of a data breach, and even provide free credit monitoring for at least a year. PayPal did NOT do this, and I was ONLY notified of the negative balance on my account, and had NO chance to report the transactions as fraudulent. PayPal keeps sending the same generic message to me through their Message Center as a reply to my messages, which has nothing to do with my concern. I need the unauthorized negative balance to be removed from my account. I do not want these fraudulent charges to appear as a collection on my credit report.
Product: Debt collection

CONVERGENT OUTSOURCING has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. CONVERGENT OUTSOURCING has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me
Product: Credit reporting or other personal consumer reports

I appreciate your swift action in removing some of the fraudulent accounts from my credit report. However, it has now been over a month, and you have failed to take action regarding the following fraudulent accounts : XXXX XXXX XXXX XXXX Personal Loan {$9900.00} balance XXXX XXXX XXXX XXXX XXXX {$32000.00} balance XXXX XXXX XXXX Account # XXXX {$3200.00} XXXX XXXX XXXX XXXX Account XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX Account # XXXX {$5900.00} balance** Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate and remove fraudulent information promptly. Your continued failure to do so violates the following FCRA provisions : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requires reinvestigation of disputed information within 30 days. You have exceeded this deadline. 
XXXX XXXX. XXXXXXXX XXXX XXXX  ) Mandates the blocking of information resulting from identity theft without delay once proper documentation is provided. 
XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Provides for legal action and statutory damages against agencies that negligently or willfully fail to comply with FCRA obligations. 
Since I have already provided an FTC Identity Theft Report and other supporting documentation, my dispute is fully documented. If these fraudulent accounts are not immediately and permanently removed, I will have no choice but to pursue legal action to enforce my rights under the FCRA and seek damages for noncompliance. 

Consider this my final request. I expect written confirmation of the deletion of these accounts without further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 90 plus ) days late on the XXXX  - partial account number XXXX. I set up automatic payments on this account and the bank did not run the payments correctly on the scheduled dates for payment. Consequently, this banking error caused the account to go late and the account was then reported to the bureaus as being past due. The bank acknowledged these errors and refunded the fees associated with the lates. ( I have also attached a copy of the letter from XXXX XXXX XXXX verifying that I had in fact enrolled in the bill pay services on XX/XX/2020 for XXXX XXXX. ) I have contacted the bank on multiple occasions to request they reach out to the bureaus to have these lates be removed from my credit report. This false reporting of lates is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have also tried on multiple occasions to contact the bureaus to remove these lates however, I have not been successful.
Product: Vehicle loan or lease

I wanted to trade my car in with XXXX. They gave me an offer, but later called me to inform me that they did not have a warehouse in XXXX yet, and I would have to trade it with someone else. They assured me ( on the phone ) that I could refinance my loan with their loan servicer after I put down the large payment from my trade-in and make a few payments. I agreed, took out a loan with their servicer ( Go Financial ), bought a car with them, and sold my car elsewhere.
Months later, I asked the loan servicer how I could refinance, and they told me they DO NOT offer refinancing. Now I am stuck with a large payment each month since I could only put {$500.00} down towards the loan since I could n't trade my car with XXXX and had to wait to have my XXXX car delivered before I sold my old car so I would n't have to go without a car. 

Had I known I would be stuck with this large payment each month, I would not have purchased a car from XXXX.
Product: Vehicle loan or lease

In XX/XX/2021 I sold my leased vehicle back to the dealership where I purchased it, at the time I owed for the XX/XX/2021 payment. Later that spring, I received noticed that there was a late payment on my credit report and XXXX XXXX XXXX XXXX XXXX was XXXX days late. 

I called and they told me they would fix it. 

This week I received another notice there was a change on my credit report. This account ( Account # XXXX ) is now showing as XXXXdays late as the status but all payments listed are shown as on-time. 

Currently, this is severely impacting my credit score.