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

Im accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX Dept of Ed/XXXX Account # XXXX Dept of Ed/XXXX Account # XXXX Dept of Ed/XXXX  Account # XXXX Dept of Ed/XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  Service Account # XXXX XXXX XXXX Service Account 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 A. Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I XXXX XXXX NEVER GAVE ( EQUIFAX, XXXX OR XXXX ) ANY VERBEAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT A COPY OF THE LAW IS ATTACHED WITH THE DISPUTE I HAVE NOT GIVEN YOU PERMISSION TO ACCESS MY CREDIT PROFILE AND YOU HAVE NO PERMSISSIBLE PURPOSE BY THE LAW TO CONTACT THIRD PARTIES WITH MY PRIVATE OR PERSONAL INFORMATION. YOUR OFFENSES AMOUNT TO AGGRAVATED IDENTITY THEFT PURSUANT TO 18 U.S.C. 1028 A. YOU HAVE KNOWINGLY TRANSFERRED POSSESSED OR USED WITHOUT LAWFUL AUTHORITY A MEANS OF IDENTIFICATION OF ME WHICH IS A FELONY PUNISHABLE WITH UP TO 2 YEARS OF IMPRISMONMENT IN ADDITION TO CICIL LIABILITY THE FOLLOWING ACCOUNTS ARENT MINE
Product: Checking or savings account

I was applying for a new credit card answered every question then it said log in to another bank account to confirm something so I loged in and it said that I would not be aloud to use my bank with any other apps.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple disputes to the bureaus and filed FTC consumer reports and have yet to rectify the situation at hand and the revolving issue of these fraud accounts and inquires on my report. Its has yet to be removed and I don't personally feel they are investigating my report. The files should be removed immediately : The files that need to be removed are the following : XXXX XXXX : XXXX : collection : Fraud XXXX XXXX XXXX XXXX : Collection : Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent and should not be on my credit profile I WANT ALL OF THE FOLLOWING ACCOUNTS BLOCKED AND REMOVED IMMEDIATELY XXXX : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Collection openedXXXX XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX : XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX Transunion : XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and found collections inwhich I do not have any knowledge of and since then been trying to remove such information. And in accordance with the FCRA, such accounts needs to be verified by physical documentation and if not then the accounts should be removed. The following accounts are XXXX XXXX XXXX, XXXX XXXX, 3xs on my XXXX, and XXXX XXXX
Product: Debt collection

I was fasely changed by an apartment complex XXXX XXXX XXXX  I persued them in District court they they took me to Magistrate Court Where we sttled by agreeing to drop both cases without either Party owing the other and I agreed to relocate with I did by date agreed to The company which owned the complex then closed The Complex was then sold to another company This new company has contacted The XXXX XXXX XXXX XXXX with my information and they are harassing for a debt not owed and also damaging my lifestyle and credit through each of the credit bureaus XXXX XXXX and XXXX Can you help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX
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 : Cushman v. TransUnion CorpXXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
Ramirez v. TransUnion LLC ( 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. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate late payment status reporting. 
1.Account : XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX XXXX XX/XX/year>. 

Under 1637 ( b ) of the F.C.R.A. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than 21 days before the payment due date. I am requesting valid proof of this being done.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you XXXX credit reporting agency block all the accounts or collections identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i contact XXXX Trans union, XXXX by mail by phone many times all this negatives should not be on my name i sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies 15 U.S.C 1681s-2 AX1 A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate, i hpe this get remove only XXXX did remove the public record but i still heavy other things its not my trans union did not removed yet, XXXX needs to remove the Public record please im asking CFPB for help again thank you
Product: Mortgage

Wells Fargo home mortgage underwriter XXXX XXXX in XXXX NC failed to identify cash deposit during our pre-approval on XX/XX/21 which resulted in the failure of securing a home loan. The problem was identified XX/XX/21 but no loan officer communicated this until 10 business days later, which was also 2 business days before the closing date. The problem could have been resolved by simple communication which they absolutely failed to do. Knowing underwriting requires 3 business days before close, the home seller backed out of the contract. 

Wells Fargo then claimed no fault resulting in my loss of out of pocket expenses in the amount of {$1300.00}. This obviously doesn't account for my time, change in market value, and walk-in equity as the home appraised $ XXXX over sell price. 

Due to daily changes in the area housing market, no other comparable home has been found which does not sell for at least $ XXXX over our contract sell price for the home we lost.
Product: Debt collection

I paid this debt on XX/XX/20 in full and requested to receive an paid in full letter for account and theyve refused to send one. Debt is still showing up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complain that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from the identity theft. The following items are fraudulent and I want you to remove : XXXX XXXX XXXX # XXXX XXXX, MA XXXX ; XXXX XXXX Balance : {$7300.00} ; XXXX  XXXX Balance : {$7600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$610.00} ; XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$480.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX Balance : {$7300.00} ; XXXX XXXX Balance : {$7600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$610.00} ; XXXX ( Original Creditor : XXXX  ) XXXX XXXX : {$480.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, MA XXXX ; XXXX XXXX Balance : {$7300.00} ; XXXX XXXX Balance : {$7600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX Balance : Balance : {$14000.00} ; XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX EQUIFAX MTG XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance w/the Fair Credit Reporting Act. The list of accounts below has violated my federally protected cosumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX Account Number : XXXX Account for XXXX XXXX XXXX Account Name XXXX XXXXXXXX XXXX XXXX XXXX Account Number:XXXXAccount name XXXX XXXX Account Name : XXXX XXXX Account number XXXX XXXXAccount name XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXXAccount name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXXAccount name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number:XXXX/account holder social number Account Name : XXXX & XXXX Account NumberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C. 1681 section 604 A. section 2. A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$560.00} ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- STUDENT ACCOUNTS 1. DEPT OF EDUCATIONXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. DEPT OF EDUCATIONXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. DEPT OF EDUCATIONXXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. DEPT OF EDUCATIONXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

Credence Resource Management is trying to collect a debt for something that has been paid. XXXX bill I believe. I have disputed it multiple times and nothing is being updated. I have asked for debt verification and received nothing.
Product: Checking or savings account

Both of my parents died in XXXX. They were Citibank customers for decades and had XXXX checking accounts and a savings account at the time of their deaths. I called the bank and was forwarded to the estates department where I was told what papers to submit to be able to close the accounts and collect the remaining funds. 
Closing the checking accounts was not an issue but, 4 months after submitting my paperwork, the savings account is still open and I havent been able to collect the money held in it. 
I sent the first package containing the death certificates, proof of executorship, etc. in XXXX ( XXXX ) via certified mail. It was received on XX/XX/XXXX and I have the return receipt to prove it. After hearing nothing for XXXX weeks, I called and was told the packet was lost and Id have to submit it again. The second time I faxed it and was told the information had been entered into the system by XX/XX/XXXX and it would take XXXX weeks to receive a check. Its been almost XXXX weeks and no check has arrived. 
This is maddening! I have no complaint against the representatives who answer the phone. The problem is structural. The phone reps are polite but powerless to do anything. They keep saying the back office is behind and they dont know when the check will be written. Asking to speak to a supervisor or someone from the back office gets me nowhere. Apparently, they dont talk directly to the public.
Product: Bank account or service

chex systems services is reporting inaccurate reports showing that in the past my account with XXXX XXXX XXXX and XXXX Bank was unpaid and closed. Were update closed but not in a good standing. All my bank accounts balances were paid to zero. There is no balance owed on my XXXX XXXX XXXX account nor my XXXX Bank account.Which is hindering me from opening up a bank account in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a notification from identity monitoring service that a hard inquiry had been made on my credit report for a XXXX XXXX Credit card that I did not authorize. After talking with TransUnion they refused to help and said that despite being fraudulent the hard inquiry was a statement of fact and they would not remove it. I contacted both XXXX XXXX and XXXX XXXX, who issued the inquiry and explained to them that it was also fraudulent and that they need to send a letter of deletion to transunion to have the inquiry removed, but both institutions claimed they could not send them and it had to be done through the credit bureau, who referred me back to XXXX XXXX for a letter of deletion.
Product: Debt collection

I keep disputing the debt on my credit report that this debt is closed. However, they keep putting the collection on one of my XXXX credit reports and keep reporting it as being late which is inaccurate information. It has been deleted from my XXXX XXXX and XXXX credit report. I have disputed this account numerous times, if this has been deleted from the other two credit bureaus it should be deleted from XXXX credit bureau as well. This Collection is with Portfolio Recovery, the original creditor is XXXX XXXX This account was opened XX/XX/ account states says open when it should be saying closed.
Product: Credit card

I disputed additional charges to my Philadelphia Federal Credit Union credit card for a stay at XXXX XXXX from XX/XX/23 - XX/XX/23 for {$130.00} and {$210.00}. 

The credit card bank resolved my dispute in favor of the merchant without verifying if this documentation they sent as proof was valid. The merchant states on their documentation Booking.com. I did not reserve my stay through XXXX. I made my reservation in their website. 

After explaining this to 2 representatives at the credit card bank, I received a call from the supervisor. The supervisor was very unprofessional and yelled at me during the call. I was treated unfairly as a customer. She then said her team made a mistake when they told me that the merchant used XXXX to confirm the charges and when they sent a print out showing the merchant stated booking.com on the receipt. 

If this was a mistake, how did the credit hard bank get the receipt with booking.com on it and mail it to me? I dont think they wouldve made it up. 

You will see the original receipt for my payment in full prior to staying at XXXX XXXX. You can see the difference in pricing. XXXX used my signature from when I arrived on XX/XX/23 to look like I agreed to the additional charges. If you notice, there is no signature for XX/XX/23 when I checked out. 

Also, there is no date stamp to show when their documents were printed. Only the dates from their booking system that they can change at any time. However, there is a date stamp on my documents from the printer.
Product: Vehicle loan or lease

I got my car back in XXXX 2021. My car was financed with USAUTO SALE for XXXX. I have had my car for 3years. I pay XXXX every two weeks. Which total XXXX. I finally got a hold to someone who works for WESTLAKE PORTFOLIO. I asked them how much was my remaining balance. I was told my remaining balance on this vehicle was XXXX. I asked them how when my car was only financed for XXXX. Not possible!!! I have all my paperwork and bank statements showing when I purchased this car and payments that where drafted... PLEASE HELP.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Date of Inquiry : XX/XX/year> Account name : XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX Date of Inquiry : XX/XX/year> Account name : XXXX Date of Inquiry : XX/XX/year> Account name : CXXXX XXXX Date of Inquiry : XX/XX/year> Account name XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX XXXX of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year>