23daVinci/CFPB_Complaints huggingface dataset:
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 TransUnion XXXX ( XXXX ) : XXXX 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. 
XXXX 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. 

Please remove, block or provide me with your investigation results in written form through the XXXX for this account : XXXX XXXX  XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence BankruptcyXXXX Case Number : XXXX Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

We have contacted transunion, XXXX, and XXXX  to update our address and name. They have not updated any info from their bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Both creditor sun trust bank and agency credit report XXXX are not willing to take out the bad report from The account that is not mine! i was just authorized user for sometime for work related and I understand account has been charge off cause the account owner has passed away
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted and sent mail to this credit bureau is regard to a fraudulent account they have been reporting on my credit report. This particular account is not mine and I went through all the steps to show them this including filing a report with the Federal Trade Commission. Not only has this bureau not responded to my request to remove the fraudulent account from my credit report but they have not replied to any of my mail. And according to 15USC1692g ( b ) they were suppose to remove the account within 5 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DPT EDXXXX XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/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 XXXXXXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to 30 days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 

Experian Accounts 1. Account Number : XXXX XXXX : {$740.00} XXXXXXXX XXXX XXXX XXXX. Account Number XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX. Account Number : XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX. Account Number : XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX : {$560.00} XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX : {$470.00} The XXXX XXXX XXXX. Account XXXX : XXXX XXXX : {$430.00} XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX : {$420.00} XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX : {$64.00} XXXX XXXX XXXX XXXX. Account Number : XXXX XXXX XXXX This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and im entitled to {$1000.00} for every violation I listed, they have to pay me or delete these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple request for an unverified account to be reported correctly or removed from my credit report. I have sent notice to Equifax and XXXX both reporting information inaccurately. I have verifiable proof that Equifax has lapsed the 30 day timeframe to investigate this issue and still reporting as accurate. I demand this be removed immediately!
Product: Debt collection

Today I received email and text message for a credit card from Navy Federal Credit Union demanding payment for amounts already satisfactory satisfied. After noticing of the Billing error Navy Federal continues to collect the amounts in question. They have only ignored my request for more documentation as outlined by law. I feel that they are attempting to role over me and continue to hurt my credit worthiness. I regret ever doing business with this organization. To this date I have received no evidence that the amounts they are demanding have not already been satisfied. Without the accounting for the amount claimed. Every credit and debit on this account is in question due to the lack of compliance regarding the initial billing error of {$2000.00}. All documentation as outline in internal revenue manual is warranted to ensure no other amounts, credits, debits, or credit insurance has been negligently look over. Please submit the evidence you have regarding this accounting. Please refrain from any adverse action on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account beginning in # XXXX, XXXX XXXX acount beginning in # XXXX, XXXX XXXX account beinning in # XXXX, XXXX XXXX XXXX account beginning in # XXXX, and XXXX XXXX account beginning in # XXXX have all violated my rights. 

15 U.S.C 1681 secion 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consmer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements, particularly 15 USC 1681e ( b ), 1681s-2, 1681i ( 5 ), and 1681c ( c ). Despite my multiple written disputes regarding these inaccuracies on my credit report Equifax has refused to conduct a proper investigation or correct the errors as mandated by law. 
XX/XX/scrub>XXXX XXXX I sent in writing disputes along with notarized evidence about recent accounts that had been Dismissed. Equifax either failed to respond adequately and continued reporting incorrect information. This failure has continued to impact my credit report and further cause harm to my future and or ability to secure proper credit in certain instances.
Product: Credit card or prepaid card

In XXXX, XXXX I opened a Wells Fargo XXXX XXXX XXXX XXXX card with a promotional offer to receive {$200.00} on statement credit after spending at least XXXX in the first 3 months. 

Around XXXX XXXX, XXXX I called XXXX CC customer service to ask about the XXXX check I had received in the mail with an offer to do a balance transfer and pay a 3 percent transfer fee to do the balance transfer. After closing my other XXXX XXXX and speaking to several more XXXX customer service reps, XXXX increased my limit on this CC to XXXX and then to XXXX upon my request, since we were buying a car for our teenager. 

The XXXX customer service rep I spoke to about the balance transfer told me that I could make the transfer online myself or she could make it for me on the phone. I then specifically asked this woman ( phone call should be on record ) if t made any difference whether I did the balance transfer online or on the phone, and she stated that it would have the same effect and I would pay the 3 percent transfer fee on the next billing statement. I hung up with the XXXX rep and I then made the {$8000.00} transfer myself from the new XXXX CC to our checking account, since making online transfers is very easy to do. 

The next day around XXXX XXXX, XXXX I saw a {$400.00} cash advance fe on our CC statement online. I immediately called XXXX CC customer service and spoke to a very nice man by the name of XXXX XXXX who helped me. He apologized for the woman 's lack of knowledge about the difference between balance transfers and cash advances, and he credited out CC acct for the 400.00 He then assured me that I would see interest charges for the next couple months but those would also be refunded. 

On XXXX XXXX XXXX an interest charge 0f {$130.00} posted to this CC acct. On XXXX XXXX it still had not been removed so I called XXXX customer service again and asked to speak with a a supervisor. A man named XXXX who had no patient and no kindness about him told me in a very rude manner that I should have known this would have been treated as a cash advance even though the rep called it an online balance transfer. XXXX was very mean and should not be in customer service. He did not even take the time to listen to the mistake that the original customer service rep had made. He told me he could no nothing for me and I could not speak to anyone above him and his manager XXXX XXXX does not talk to customers. 

Our account should be credited the interest charge of {$130.00} and any further planned interest charges should not be charged to our CC acct. 

Although I never received the promised {$200.00} to open this account ( I spent well over the 1,000 req ), they have yet to charge me the 3 % transfer fee so these charges almost cancel each other out. 

It is not fair for big banks to give incorrect information to consumers and then profit off of it. It seems very unethical.
Product: Student loan

My credit report shows a 90 day late payment for XX/XX/2015. This is an error and was in forbearance for that time. The account is in good standing and have spoke to them about this a few times and was assured the issues would be resolved. Still on my credit report 3 years later.

The payment history/rating is incorrect.

The creditor agreed to change account information.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate : XXXX XXXX for {$700.00} inaccurate price XXXX XXXX {$520.00} account unknown XXXX  paid account removal XXXX paid account for removal
Product: Debt collection

Convergent Debt Collectors called about an XXXX XXXX   account that was more than 10 years old. I disputed the debt and told them to stop calling me. They called me about 10 more times from XX/XX/19 until XX/XX/19. I sent them a Do Not Contact notice via USPS and spoke with them on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax yesterday about fraud and the rep said they only follow Equifax policy and was calling the other consumer reporting agencies bureaus and I told her they are not bureaus. That yall are reporting inaccurate information. A charge off is income and shouldnt be reported on my consumer report. The IRS already confirmed this. XXXX XXXX never sent me a 1099c and illegal sold a alleged debt to XXXX XXXX who I have no contract with that never provided DOCUMENTARY EVIDENCE. Equifax did not exercise their grave responsibility, they was unfair, they was partial, and they did not respect my right to privacy. They never had permissible purpose and I never instructed them to furnish negative information on my consumer report. They never had my lawful consent in the first place. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Also they rep said she can only do disputes. I demanded for it to be deleted/removed because that inaccurate information of the wrong name, charge off, and hard inquiries should not be on my consumer report. No consumer reporting agency got written instructions from I the consumer to report negative information and inaccurate information. They are acting as trustees!
Product: Debt collection

a. I have sent you request dated XX/XX/2018, XX/XX/2018, and XX/XX/2018 for you to confirm the balance owing on the above referenced matter and for you to confirm that you would accept full payment of the alleged obligation from defendant in consideration of your delivery to defendant of the original instrument of indebtedness in its original form. 
b. I confirm that I have received a written communication from you dated XX/XX/2018 wherein you make reference to the above captioned matter. 
c. I have sent you my request dated XX/XX/2018 and XX/XX/2018 for you to confirm the balance owing on the above referenced matter and for you to confirm that you would accept full payment of the alleged obligation from defendant in consideration of your delivery to defendant of the original instrument of indebtedness in its original form. 
d. I confirm that I have received a written communication from you dated XX/XX/2018 wherein you make reference to the above captioned matter.

e. It is apparent that you are acting on the presumption that some relationship that you may have with XXXX XXXX XXXX, is in some way related to defendant. Defendant is not a party to this implied relationship you have with XXXX XXXX XXXX, either directly, indirectly or by means of any tacit consent. Accordingly, Defendant do not understand how to respond to you inasmuch as defendant is unaware of any contractual relationship between us.
Product: Checking or savings account

On XX/XX/2019 I opened a account with BB & T bank. I transferred XXXX dollars to open my account. On XX/XX/2019 the funds were transferred from my third party bank and no longer available in my balance. I logged into BB & T and noticed the funds were posted however they were placed on a administrative hold by an unknown person at BB & T. I called several numbers online which was a dead end and only being automated. I frankly called the branch and explained to a representative what was going on she pulled up the account and her response was oh its a new account and thats not good enough for me! I explained to her I have several friends who recently within the past few days opened accounts all being over 100 dollars and they money was made available immediately. She then repeated the exact same time she said the first time which made me feel as she just simply didnt give a dam because it wasnt her money or her problems. I explained to her I have a bill that has to be paid and cant nobody hold my money like that for a whole week period because if I dont pay my bill I face a late fee or services being disconnected depending on how the company feels at that time and thats not fair because the bank dont have to pay it I DO not all of us are doing fraud or a scheme and I shouldnt be treated as I am. I live near several braces hes here and had I known they were holding my money for a week I wouldve just took cash into the branch instead of being treated like a thief and them using discretion and being bias because I strongly feel if I was white when I made that phone call her tone wouldve never changed and she wouldve personally removed that hold. I have a college education and the way that lady talked to me I started to curse her out but I chose to ask for a manager only to be transferred to an answering machine and this was at XXXX. Its not XXXX. And I still havent heard a thing or have a message for a return call which is very unfair because when u go to the branch they all be laughing eating fruit bowls and keeping up office mess. They dont be doing nothing. 30 minutes ago at XXXX I logged into the app and called a branch that was listed only to be sent to voice mail and still havent received a call back. I cant afford to pay fees to a company because an individual decides to put a unnecessary hold on my account when I can easily prove 5e funds are no longer in my account and I know for a fact they have ways to verify it and they do have the funds.
Product: Credit card

Hello, In XXXX of this year, I received a new credit card from Macys. There was no indication in the paperwork that I received that my account number had changed but, it turns out it had. I had my Macys account set-up to receive ebills through XXXX XXXX XXXX but, since they had changed my account number, I stopped receiving these bills. It seems the first missed payment was in XXXX. The first contact I received from Macys that there was an issue was in XXXX. At that point they sent a letter claiming to have called me repeatedly ( this NEVER happened ) and notifying me that my account was delinquent. I called them and asked that, given the circumstances, they remove the late fees and interest charges. I have immaculate credit and, in more than a decade of doing business with their company, have never had an issue. In attempting to talk to someone about the problem I was repeatedly transferred to departments that had nothing to do with my problem or transferred to " nowhere ''. I finally sent a XXXX message and, again, beyond a courtesy acknowledgement of receipt of my message, I never receive any response from anyone. I have resolved the balance because a, I owe them and b, I care more about my credit than to continue to pursue this losing battle. However, I think someone should be made aware of the fact that they do not attempt to contact anyone until they 've racked up their share of fees and charges and, that a consumer attempting to talk to anyone about the situation is repeatedly thwarted in the most suspect manner. 

Thank you.