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 : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
Ramirez v. TransUnion LLC ( 2021 ) : 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. 

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

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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts 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 accounts that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXBalance : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$170.00} 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 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on multiple occasions to get XXXX to remedy inquiries that have been placed on my credit report which lack permissible purpose. Their answer is always " Inquiries are factually based. '' Any complaints in writing are met with a condescending explanation of what inquiries are, and how long they stay on a credit report. Their assertion that inquiries are n't disputable is a violation of the FCRA, as is their equally incorrect assertion that the consumer does n't need to " put anything in writing '' for the inquiry to have permissible purpose. ( Section 604 of the FCRA would contradict that claim. ) Then, when I write to each creditor that I am disputing inquiries with, and they agree that the inquiry should n't have been placed on my credit report, they call XXXX and are told that they ca n't make changes to my credit report. This is after XXXX reps told me that I would have to dispute the inquiry directly with the creditors. And finally, when the creditors do n't respond to my written disputes, or the letters are sent back marked " return to sender, '' XXXX reps tell me that my only remaining option is to visit the creditor personally, because I 'm seriously going to drive from North Carolina to Texas or XXXX, all because XXXX wo n't give me the correct information and proper tools to do their job for them. Experian is equally obstinate concerning not allowing the dispute of inquiries, which I still maintain violates the FCRA, but at least their representatives are friendlier while refusing to listen.
Product: Money transfer, virtual currency, or money service

I received a 1099-K in the mail from Block Inc. f/k/a Square , Inc. Within the form, it instructs the recipient ( myself ) to contact CashApp with any questions.

I am not an independent contractor, nor have I ever set up a business account with CashApp. I downloaded the app for one personal transaction back in XXXX and then deleted the app. However, on this form, it appears that my name, personal information, and social security number was used by someone else to create a business account with CashApp. The form claims that this fraudulent business account performed 979 transactions under merchant category code 7298 ( XXXX & XXXX XXXX ), totaling {$22000.00}. These actions supposedly took place in the months of XXXX and XXXX, XXXX. 

I had no knowledge of any of these transactions, did not create a business account, or give anyone else my permission to use my personal information to conduct business on my behalf. As such, I requested that CashApp send me a corrected 1099-k form that indicates {$0.00} and 0 transactions. Without action, the IRS will expect me to pay all associated taxes associated with this fraudulent account. 

I contacted CashApp today, XX/XX/XXXX, via email ( XXXX ).
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : UNIVERSITY XXXX  XXXX XXXX XXXX {$11000.00} UNIVERSITY XXXX  XXXX XXXX XXXX {$580.00} XXXX XXXX  XXXX {$130.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is no longer in Existence I need the verbiage on this account ending in XXXX Verbiage removed Refinanced, Account previously in Dispute Account Now Resolved Reported by Subscriber XXXX  is no longer in Existence I need the verbiage on this account ending in XXXX Consumer disputes after resolution 180 days or more past due Fixed rate XXXX spoke with XXXX she is a Supervisor she clearly stated the account is paid in full she refuses to take the verbiage off Refinanced, Account previously in Dispute Account Now Resolved Reported by Subscriber XXXX  Consumer disputes after Resolution Charged off Account Subscriber Reports Dispute Resolved Consumer Diagrees I received my title in XXXX  from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. XXXX XXXX XXXX I # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Money transfer, virtual currency, or money service

XX/XX/2021 - Zelle payment was sent from XXXX XXXX  for {$250.00} and then another for {$350.00}. The payment was made for tickets in which in less than 24 hours, the seller blocked me on XXXX and did not give the tickets... The seller is still active on XXXX. and on XX/XX/2021 I contacted the person by email in which the responder stated that he knows nothing of the incident and would " find '' out what happened... did not get a response since then. And today, it is XX/XX/2021 in which Zelle and XXXX state that they are unable to do anything about it...
Product: Payday loan, title loan, or personal loan

Personal Loan for {$70000.00} and only needed {$63000.00} and within five days of the loan, returned {$7000.00}. I was charged interest on it and fees. Also when I make additional payment that place it as interest, rather than towards the principal. Truly unfair practice. I send additional payments to go towards the principal, NOT the interest. 

Also, I wrote Wells Fargo, CFO, a certified letter, and the letter was resealed and returned without a response. 

Thanks, XXXX XXXX, XXXX. 
Acct # XXXX
Product: Credit reporting or other personal consumer reports

DEBT WILL NOT BE PAYED MEDICALLY UNABLE. 1099C REQEUSTED AND NO REPLY 15 U.S. Code 1692c 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply bye email or if I am in an office in perso
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to COVID pandemic I was unable to pay my payment to XXXX XXXX ( account # XXXX ) and my XXXX XXXX XXXX account ( Account # XXXX ) on time because all branches in which I pay were shut down due to the recent pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( DATE OF COLLECTION REPORTED ON YOUR ACCOUNT/COLLECTION LETTER SENT TO YOU ). XXXX  XXXX, XXXX, and XXXX add a derogatory mark and has too many inaccuries on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's Creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature even it has no balance for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA XXXX XXXX, XXXX, and XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am a victim of identity theft. The information that appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft and data breach by XXXX and XXXX. I reached out to Transunion to advise them of the fraudulent account reporting on my credit report profile. I provided Transunion an Identity Theft Report, FTC Report, and Police Report, stating that the fraudulent accounts are not mine. They weren't able to block the fraudulent reporting on my credit profile. By Fair Debt Collection Practices and Fair Credit Act Reporting 605B ( 15 U.S.C. and 1681c-2 ) Block, Expect as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from identity theft, not later than 4 business days the date of receipt by such a agency. I need help from your company to resolve this matter. I'm sending all documents ( Identity Theft Report, FTC Reporting, Police Report ) to support the fraudulent activity on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). Specifically, I am raising concerns about the failure to properly investigate and correct the disputed account, as well as the negligence and non-compliance in handling my dispute. 

Previously, I disputed an account appearing on my credit report as a collection through Equifax. However, when I received the results of the investigation, the information provided by the furnisher did not align with what is being reported on my credit file. The documentation sent to me classified the debt as a charge-off, whereas my credit report still reflects it as a collection account. This inconsistency suggests a failure to ensure the accuracy of reported information, violating the requirements under the FCRA. 

Additionally, I requested specific information to verify the validity of this account, yet the response I received failed to include all the necessary details I asked for. Under the FCRA, Equifax and the data furnisher have an obligation to provide accurate and complete information while conducting a reasonable investigation into my dispute. The failure to do so constitutes negligent non-compliance under 15 U.S.C. 1681o, which allows me to pursue civil liability for any damages incurred due to this inaccuracy and failure to comply with proper dispute procedures.

I am requesting the following actions be taken immediately : 1. A thorough reinvestigation of this account to ensure that the reporting aligns with the information provided by the furnisher.

2. Correction or removal of any inaccurate information that does not match the results provided.
Product: Debt collection

This complaint is to establish a written record of my communication with Credit Corp Solutions Inc. located at XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX according to their written notice or XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX, according to their online address. Their email address is : XXXX and their phone number is listed as ( XXXX ) XXXX online and on the written notice. 

This debt collection company contacted me via standard mail on behalf of XXXX to resolve a fraudlent transaction that has resulted in either a legit or fraudulent a debt collection I spoke with a Credit Corp Solutions Inc specialist today after receiving a notification letter on behalf of XXXX regarding an outstanding payment in the amount of {$65.00}. 

Their representative informed me of the fraudlent account number XXXX and the associated email address XXXX. Neither this account nor the associated email belong to me. Furthermore, I have no payment activity with the aforementioned transaction amount. 

Their representative asked for my birth date and asked me to verify my childhood home address as part of their verification process. Also, their rep advised me to : -File a police report -Complete and notarize the fraud report paperwork that they said XXXX would send via email. 

At this writing, I am still waiting on the paperwork, which leads me to believe that this was a scam and attempt to retrieve personal information for future abuse. For your records, I have reported this fraudulent activity to XXXX and will file a police report. 

Thank you
Product: Debt collection

On XX/XX/XXXX I made my final payment to GC services for my XXXX credit card. I received a letter stating they will be reporting to XXXX that my account has been settled and paid in full. XXXX has yet to act and report to the credit bureau that this account has been paid.
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 under 15 USC 1681.

The information reported is improper, without consent, inaccurate and incomplete which may be considered false, fraudulent and misleading information Account XXXX XXXX XXXXXXXX # XXXX, Account XXXX XXXX XXXXXXXX, Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXXXXXX XXXX XXXXXXXX, and Account XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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.

The information reported is also inaccurate and incomplete information which may be consistent with false reporting and fraud.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Inaccurate Nme : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX : Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : XXXX XXXX, XXXX INL XXXX, XXXX XXXX XXXX XXXXXXXXXXXX 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

I was in the middle of transferring my funds in my business account to my personal account to liquidate my life savings and in the process of the transaction Bank of America made an impossible deposit that caused my account to close prematurely. I have read that Bank of America has already defrauded about {$150.00} million dollars from different customers. I am requesting a cashiers check with the remaining funds in my account of about {$600000.00}. I need this issue rectified as soon as possible.
Product: Debt collection

Citicard is calling my house repeatedly to collect a {$20.00} credit card overdue payment. Just today, XXXX/XXXX/15 they called at XXXX, XXXX, XXXX, XXXX, and XXXX. This is harassment and abusive. They need to stop this. Citi is calling from XXXX. Citi has been doing this for several days now.
Product: Credit reporting or other personal consumer reports

I am writing to report a case of identity theft that has resulted in unauthorized inquiries on my credit report. Despite notifying the companies involved, these inquiries have not been blocked or removed.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 I opened a savings account in TD Bank. 
XX/XX/2021 I have sent amount {$20000.00} from my XXXX  checking account with Wire Transfer to my new saving account in TD Bank. 
This amount was returned to me on the same day minus XXXX dollars. 
For translation, I indicated : XXXX XXXX for Wires XXXX. 
Because the bank 's website wrote : " To receive a domestic wire transfer in U.S. dollars, you'll need to provide the sender : This XXXX XXXX number ( a TD routing number that's specific to wire transfers ) Your account number, full name, and address as they appear on your bank account Your bank name and address : TD Bank, XXXX, DE. 
Therefore, I consider it unreasonable and illegal return my wire transfer and hold {$40.00} from me. 
The bank misleads customers, pointing out the wrong information on its website for Wire Transfer. 
I wrote a letter to the bank with a request to return XXXX dollars, illegally received from me, to my account in TD Bank or account in XXXX, from which the translation was made. 
But I received an unreasonable refusal in my legitimate request.