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

You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX Account Number # XXXX ... has violated several of my rights by reporting this same account multiple with different original balances and multiple late fees for each reporting. Reporting inaccurate information.

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer can not furnish an account without my written instructrions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

i have old addresses that still appear on my credit reports
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 ta
ken 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 XXXX XXXX  XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a Master Card with Apple but the credit card is issued by Goldman Sachs Bank, the bank have been charging me excessive interest charges ; example, I received in my XXXXe a notification to make a payment to avoid extra charges for XXXX so I made an initial payment of {$500.00} in XX/XX/XXXX and so I kept getting messages of the same thing so I made another payment of {$200.00} on the XXXX  of XXXX and the bank still charged me {$120.00} in interest charges and this is not the first time, this is been going on since I got the credit card. No matter how much I pay to avoid interest charges, the bank still charges me with more interest charges and it is ridiculous.
Product: Credit reporting or other personal consumer reports

In regards of my repeated attempts to rectify these issues directly with the credit reporting agencies and the respective financial institutions, these inaccuracies remain unresolved. I have contacted the credit reporting agencies and the financial institutions involved to dispute these fraudulent items. I have provided all necessary documentation, including police reports, identity theft affidavits, and proof of my identity. Despite these efforts, the fraudulent items remain on my credit report, causing significant damage to my credit score and financial standing. I want the immediate removal of all fraudulent items from my credit report. The presence of these fraudulent items on my credit report is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting for your intervention to ensure that these inaccuracies are corrected promptly and that my credit report accurately reflects my credit history. Please help me remove the following negative items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

XXXX XXXX You supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and concern regarding the persistent errors in removing fraudulent items from my credit report. Despite numerous attempts to rectify this issue, the inaccuracies persist, posing a significant threat to my financial well-being and personal security. 

I initially reported instances of fraud, and since then, I have diligently followed the established dispute resolution procedures to rectify the fraudulent items on my credit report. Regrettably, my efforts have been met with limited success, as the fraudulent entries continue to tarnish my credit history. 

I have submitted all required documentation, affidavits, and police reports, consistently followed the appropriate procedures, and communicated extensively with your representatives. However, the resolution of these fraudulent entries has not been achieved despite multiple attempts. 

I insist on an immediate and thorough investigation into these matters. I demand the prompt removal of all fraudulent items from my credit report, as well as a comprehensive update reflecting the accurate and verified information. Additionally, I expect a detailed written explanation for the persistent presence of these fraudulent entries and the measures being taken to prevent their recurrence. 

These fraudulent items not only harm my creditworthiness but also expose me to potential financial and identity-related risks. I trust that Credit Bureaus takes these concerns seriously and is committed to maintaining the accuracy and integrity of consumer credit reports. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, my Paypal account was fraudulently accessed. A PayPal XXXX XXXX XXXX was opened under my name without my permission and money was transferred from my bank account ( which was linked to my PayPal account ) to the Paypal XXXX XXXX card in order to process many fraudulent transactions. In total, {$3000.00} was transferred to the XXXX XXXX card. 

After stopping most of the transactions and closing the XXXX XXXX card, I requested a review for XXXX transactions for a total of {$310.00}. XXXX advised that they reviewed the transaction and determined that they would not refund the money that was fraudulently taken from my account.
Product: Checking or savings account

What happened : I opened a XXXX  online account at Capital One 360 on XX/XX/XXXX, where I transferred a {$250.00} deposit from my personal account. The next day I called several times to find out what had happened, because there had been no debit from my account. Everyone from customer service to the manager at Capital One informed me that there had been no deposit made, but I only received a confirmation code ( XXXX ) and since they informed me that there had been no deposit, I closed the account on XX/XX/XXXX. However, on XX/XX/XXXX, an undue debit of XXXX installments of {$250.00} ( {$1500.00} ) appeared on my personal account ( Checking ). I request that the amount be returned as soon as possible. 
an undue debit that they made to my XXXX XXXX account
Product: Credit card or prepaid card

Around XX/XX/XXXX, I came across an offer on the XXXX XXXX website regarding their co-branded American Express XXXX XXXX credit card. The offer stated XXXX bonus miles. The requirements, as stated in the online marketing promo info, are ( 1 ) spending {$2000.00} in the first 3 months for XXXX miles, and ( 2 ) an additional {$1000.00} in spending within the first 6 months for another XXXX miles ( total XXXX miles ). 

I applied online and was immediately approved as I have excellent credit rating. Amex issued the card around XX/XX/XXXX and I activated the card around XX/XX/XXXX. Subsequently, I satisfied the {$2000.00} spending requirement in the month of XX/XX/XXXX and then additional {$1000.00} spending requirement in XX/XX/XXXX. I waited for the XXXX bonus miles to be credited to my XXXX account, but nothing happened for many weeks. Finally, on XX/XX/XXXX, I contacted Amex on their website using their online chat feature. I contacted them again on XX/XX/XXXX using their website online chat feature. I am attaching a copy of our online chat transcript. 

In a nutshell, Amex now says that I will not be receiving the promised XXXX bonus miles because I had held an Amex XXXX XXXX card in the past. This limitation was nowhere mentioned in the marketing promo material. In my online chat with Amex, they say this limitation is disclosed in the terms and conditions in the welcome kit, but the kit is delivered after the card is issued and sent to the consumer, not at the time when the consumer applies for the card in reliance on the bonus miles offer. 

I feel I am the victim of deceptive marketing by Amex, classic bait-and-switch. They lured me to apply for the card with an offer of XXXX bonus miles, does not disclose the past card limitation until after the card has been applied for, approved and sent. Furthermore, the limitation is buried on page 3 of the fine print. The intent here is to deceive the unsuspecting consumer who applied for the card in reliance on the marketing promo info.
Product: Checking or savings account

My card was compromised therefore it was canceled and a new one is being sent out to me. In the meantime there were still transactions that were made after the fact with the same debit card. I am missing about {$1000.00} now. I am not understanding how this was even allowed to be done, the card was canceled and for the next day or two afterwards they take out {$800.00} plus another XXXX which I have no idea where it even went. I had a XXXX XXXX come through the other day but there were two {$200.00} XXXX XXXXXXXX  that were supposed to have been put through the account one was returned and one disappeared.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I made a money transfer with XXXX, the money to be taken out of my TIAA checking account. I made a mistake and the order went through 2 time instead of one. There was only enough money in the account to cover one transaction so they locked the account.

I then transferred money from another account to cover the debit in the first account. However, TIAA never unlocked the first account which was the one I have set up for transfers. I am doing XXXX XXXX in XXXX in an area with no international phone connections. So I have to use emails.

TIAA has a place on their site to : Email Us. I clicked on that and sent my email explaining the problem and that I had transferred money into the account to bring this up to date, and asked them to liberate the account so I could use it again. I received a machine answer which was incredible. It said they didn't accept emails that were not secure. Imagine that! The email was sent using their own system! I sent them another email asking them to liberate my account via XXXX email with is a secure. I got the same response from TIAA saying they did not receive emails that are not secure. Can you see the disorganization here and total disregard for the consumers situation?

Since then I have sent 5 or 6 emails to different people at TIAA with absolutely no answers. This is a simple problem to fix : simply liberate my closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached are documents from XXXX XXXX XXXXXXXX requesting for this account/ hard inquiries, to be permanently deleted from all 3 credit bureaus. There are still Hard Inquiries showing on my credit report for XXXX from XXXX, XXXX and Experian. This account has already been disputed and deleted and also has been advised in a letter from the creditor. 

See attached document below
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers.
Product: Credit reporting or other personal consumer reports

Formal Dispute for Inaccurate Credit Reporting under FCRA 611 To Whom It May Concern : I am writing to formally dispute inaccurate and inconsistent information reported on my credit file maintained by XXXX. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and require immediate investigation and correction. 

The following accounts contain inaccurate information : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Issue : - Reported as Collection Account with {$600.00} past due, but status conflicts with XXXX and Equifax. 
- FCRA Violation : Reporting conflicting and unverifiable information in violation of FCRA 623 ( a ) ( 1 ). 

XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Issue : - Reported as Closed Auto Loan with balances of {$11000.00} and {$9200.00} on different reports. 
- Date discrepancies : Opened XX/XX/year>, and XX/XX/year>. 
- FCRA Violation : Reporting inconsistent balance and date information in violation of FCRA 611 ( a ). 

XXXX. XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - Issue : - Reported as Secured Card with {$24.00} balance after closure. 
- FCRA Violation : Failure to maintain accuracy under FCRA 623 ( a ) ( 1 ). 

XXXX. XXXX XXXX - Account Number : XXXX - Issue : - Reported as Closed Credit Card with a {$130.00} balance still remaining. 
- FCRA Violation : Unverified and misleading balance reporting violates FCRA 605 ( b ). 

Requested Resolution : - Investigate and verify each disputed account with the original data furnisher. 
- Remove or correct all errors within 30 days, as mandated under FCRA 611. 
- Provide a written summary of the investigation results and verification sources. 
- Delete unverifiable information, as required under FCRA 611 ( a ) ( 5 ) ( A ).

I expect a response within 30 days of receipt as required by law. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and escalation through legal channels. 

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

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  this has violated my rights and I need it removed as soon as possible . 
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..

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I contacted my homeowner 's insurance company in regards to hail damage. An insurance adjuster came out to assess the damage and informed me that I would need the entire roof replaced. My roof is leaking in various areas throughout my home, more extensive damage is the ceiling over my garage. I hired a roofing company to replace the roof in expectation of an insurance claim check. The insurance company ( XXXX ) sent me a breakdown of the cost and informed me the check would be sent to my mortgage company, Wells Fargo, to release to me. I contacted Wells Fargo and they informed me that no one can talk to me because of the lawsuit I have pending against them. They are holding my claim check for roof repairs hostage and will not release them because of the lawsuit I have against them. Meanwhile, my roof leaks whenever it rains. My fear is the roof caving in on me and my wife while we sleep. This is a terrible situation that I am in. I am XXXX and I think they are treating me bad. Can you help me?