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 XXXX XXXX XXXX to XXXX 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. 
XXXX 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. 
XXXX to XXXX XXXX XXXX ( 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 XXXX 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 XXXX XXXX I demand the following actions, without delay : XXXX a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
XXXX a comprehensive written explanation detailing your investigation process and results. 
XXXX 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 XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX has been reporting consumer transactions improperly. 15USC 1681a ( d ) ( 2 ) ( A ) ( 1 ) clearly states that transactions between the consumer and the Person/Corporation making the report are NOT included on the consumer reports. Experian continues to report this information. The reporting of excluded information pursuant to 15USC 1681a ( d ) ( 2 ) ( A ) ( 1 ) on a Consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a Consumer Reporting Agency. I need the the transactions reporting as late, Collection/Charge Off status and any other derogatory information deleted from my Consumer reports effective immediately. Before you assume to reply that this account has been " Validated '', let 's be transparent that I am not asking you to validate or verify anything. So please do not respond with that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX & the creditors reporting Collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26USC ss 6050p Returns relating to the cancellation of indebtedness by certain entities. If this derogatory information is not deleted from my consumer report within 15 days I will be compelled to officially file IRS 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against all entities involved.
Product: Debt collection

I disputed with all 3 credit bureaus as I have had credit freezes and fraud alerts on them for years. But some how someone used my information for a company called XXXX and did a return check. I learned of this when XXXX XXXX alerted me of a collection added to my credit report. I have filed a police report, identitytheft.gov report. I sent letters to Payliance collection and never heard from them... I reached out to XXXX and spoke to a supervisor named XXXX who reviewed my information and said it was identity theft and that he contacted Payliance to remove the collection bc of fraud but yet its still on my credit report. I emailed them today with the police report, the letter that I mailed to them on XX/XX/XXXX and a new letter from today. Im mentally exhausted trying to constantly protect myself from people trying to use my identity. I just want this nightmare to end.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS AND INQUIRIES WERE OPENED AND MADE WITHOUT MY KNOWLEDGE OR AUTHORIZATION. I AM A VICTIM OF IDENTITY THEFT. 




XXXX XXXX. 

XXXX XXXX XXXX XXXX Account # XXXX, - High Balance : {$32000.00}, Date Opened : XX/XX/XXXX, Account Type : AUTO LOAN Account # XXXX High Balance : {$32000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Miscellaneous Finance Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt Profit and loss write-off Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : 60 Month ( s ) Past Due Amount : {$13000.00} Account Type : Auto Loan Payment Frequency : Monthly ( every month ) Credit Limit : {$0.00} XXXX. 

XXXX - Account # XXXX - High Balance : {$2000.00} Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX XXXX Account # XXXX High Balance : {$2000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Other Collection Agencies Account Status : Open Payment Status : Collection/Chargeoff Creditor Remarks : Placed for collection Original Creditor : XXXX XXXX XXXX  Last Payment XXXX -- Past Due Amount : -- Account Type : -- XXXX. XXXX XXXX XXXX Experian Account # XXXX High Balance : {$0.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$55.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Personal Loan Companies Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Unpaid balance reported as a loss by the credit grantor. 
Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : -- Past Due Amount : {$30.00} Account Type : Charge account Payment Frequency : -- Credit Limit : {$750.00} CREDIT Inquiries : Creditor Name Date of XXXX Credit Bureau INFORMATIVE XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian
Product: Credit card or prepaid card

American Express ( AMEX ) offered me a credit card Promotion and they accepted my application under the guise of that promotion. I then charged the required amount, within the specified period of time, and then immediately paid off the amount charged less the statement credit promised under the promotion of {$150.00}. AMEX never followed through with crediting the account the {$150.00} and after my following up with them several times the end result was they told me I was disqualified from the promotion and they ultimately turned the account over to collections. I have fully documented all the phone calls with AMEX and the collection company. I have attached a copy of the final letter that I sent AMEX which summarizes my dispute and my efforts to bring this situation to a close. The outstanding balance owed on this credit card began with the {$150.00} promotion credit that they refused to give me and now includes the exorbitant late charges and interest that they are applying to that {$150.00}. The American Express corporation may be a huge company but they should not be allowed to " strong arm '' the consumer!
Product: Credit card

I submitted a claim with Chase reserve credit card for trip interruption benefit on XX/XX/XXXX. I left my trip early because my father was having XXXX XXXX XXXX and XXXX XXXX XXXX. Ive called Chase representatives multiple times for updates, with no help or clarity. Finally, on XX/XX/XXXX, I was able to speak to a claim examiner, and after answering all her questions, and being told I have all required documents, my claim was going to be approved. The examiner gave me a rough estimate of what Ill get back. I was told I would receive a secured email link in 2 business days. On XX/XX/XXXX I reached out to the claim examiner via email bc I havent received anything. She responded XX/XX/XXXX stating I will check your claim and docs as I believe we do have everything needed. I will email you with an update. On XX/XX/XXXX I emailed her for an update but havent heard back. Presently, Chase states they dont have any documentation of my call with the examiner, but I have emails of our correspondence. Ive called Chase reserve countless times to get my claim resolved, and asked what other documents are required so I can help them do their job. They kept stating my claim was getting escalated given submitted all their required documents.
Product: Payday loan, title loan, or personal loan

I applied and was approved for a loan through XXXXpstart. Pursuant to 15 USC 1692e ( 11 ) Upstart did not communicate in the initial oral or written communication that this was an attempt to collect a debt. Nor that any information would be used in connection with collection of a debt. 

Also pursuant to 15 USC 1692g ( a ), I never received a letter to validate such debt. 

Upstart has continued to violate my consumer rights laws but practicing unfair debt collection practices. They have sent statements that include predatory lending language by giving me deadlines in which I must make payments. 

On XX/XX/21 I received a notice for payment which violates my federal rights. 

In response, I sent over a debt validation letter requesting for Upstart to validate the debts stated, an affidavit of truth which reported the violation of my federal laws, 1 exhibit of violations, and an invoice for the number of violations found in each statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts please investigate the unverifiable accounts : XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7400.00} XXXX  XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : {$0.00} Consider this as a follow-up to my prior complaint dated XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive previously filed a dispute for an investigation to correct errors and or delete for continuous violations and have not received a response from XXXX XXXX XXXX threw Experian XXXX XXXX. They continue to report inaccurate and inconsistent reporting on my credit report in which it has negatively affected me and cause damaged. Ive filed a complaint threw the XXXX XXXX XXXX and even so filed a complaint with the State General Attorney. They have yet to even reply to the XXXX XXXX XXXX request. According to 15 USC 1681i Experian, XXXX, and XXXX 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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Theyve failed to do so multiple times! They say it comes back verified but yet still reports inaccurate information and fails to mark the account as disputed which means it was never disputed! If not handled and deleted for violations I have no choice but to collect for damages which I am entitled to. Evidence provided below.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint against the credit bureaus concerning 2 public records on my credit file. The information is inaccurate and I request it to be verified but they were unable to and remove them, however they show back up on my credit report the following week which hurts my FICO score even more. These public records can not be verified and I request they be removed immediately. Under new law effective XX/XX/XXXX any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not udated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud with 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX with a balance of {$190.00}, XXXX with a balance of {$15000.00}, XXXX XXXX  with a balance of {$5700.00}, XXXX with a balance of {$6100.00}, XXXX  XXXX with a balance of {$340.00}, XXXX XXXX with a balance of {$920.00}, XXXX XXXX with a balance of {$1500.00}, XXXX XXXX with a balance of {$1100.00}, XXXX with a balance of {$1300.00}, XXXX  XXXX with a balance of {$510.00}, XXXX XXXXXXXX XXXX XXXX XXXX with a balance of {$1000.00}, and XXXX XXXX XXXX with a balance of {$1000.00}. In addition to inquiries from XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX  with an inquiry date of XX/XX/XXXX, XXXX  with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX with an inquiry date of XX/XX/XXXX, XXXX  with an inquiry date of XX/XX/XXXX, and XXXX XXXX  with an inquiry date XXXX XX/XX/XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$0.00} : XX/XX/XXXX, XXXX XXXX {$0.00} XX/XX/XXXX, - these account are being reported wrong!!! demand them to be removed fruad demand them to be removed XXXX XXXX {$150.00} XX/XX/XXXX, XXXX XXXXXXXX XXXX {$130.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1600.00}, XXXX XXXX {$9700.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX  {$500.00} these fraud account has affected my mental and emotional day to day living and I demand them to be removed
Product: Credit reporting 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 items 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/block any items 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 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 or other personal consumer reports

Failure to delete inaccurate, Incomplete, or Unverified Information in violation of FCRA 15 USC 1681i ( a ) 5 ( A ) Failure to provide notice of results of Reinvestigation in Violation of the FCRA 15 U.S.C 1681 ( a ) ( 6 ) A XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

I was told by a representative at XXXX that my XXXX  loans for XXXX XXXX XXXX XXXX XXXX XXXX would be erased. I had no idea that it was on my credit report. I have recently been looking into fixing my credit and noticed it is there. 
I had to take a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX  said it would be fine and to give them a call when I could return. When I tried to return, the financial aid department XXXX XXXX XXXX  said I couldnt resume my classes until I paid an additional XXXX on top of the original tuition. I was never told any of this when I notified them of the leave of absence. 
I contacted XXXX who told me that if this was not in the XXXX XXXX XXXX my debt had to be forgiven. The representative told me that because it was a XXXX XXXX XXXXey could charge extra fees but it had to be in their handbook under XXXX of their policies. 
I was never billed once by XXXX or the school. I have never received XXXX piece of mail, email, or even a phone call that I owed by loan back. I always believed that my debt was erased. 
I was never even given the chance to return to XXXX  and finish my licensing.
Product: Debt collection

Approx a yr ago, Harris and Harris Limited called daily, sometimes 2 or 3 times a day, looking for a XXXX guy who owed debts. I contacted the company told a gal I was Not who they were looking for and stated my number was not his, and I wanted the calls stopped.They were beyond annoying and getting to be harassing. I reported this, the calls stopped, and now yesterday XX/XX/23, the calls started again. They are robo calls, female voice, and this last call came at XXXX XXXX. 
Harris and Harris Ltd actions are once again Harassing and this needs to stop immediately.
Product: Credit reporting or other personal consumer reports

I have been patiently waiting on their response to the written request I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the crdit bureaus, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Incorrect Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I took out a consolidation loan for {$15000.00} They offered to pay off my creditors. They sent the electronic payment to the wrong account for my XXXX payoff. Ive been trying to get this taken care of for months and i get no cooperation from FNBO, who I took the loan out with. XXXX XXXX XXXX XXXX and I dont need this stress. Its impossible to get a hold of someone. XXXX said they did a search and couldnt find the money. Can you please help me