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 and 'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. 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 XXXX  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 : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : 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 : XXXX. Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXX. Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXX. 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
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX  ; XXXX XXXX XXXX XX/XX/ ; XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Purchased a new XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. I instructed the sales rep that I would perder to use XXXX XXXX unless XXXX loan is better. I told them we still need to get a loan for the roof on our house. Instead numerous hard inquires were made everywhere but XXXX XXXX. I recieved multiple alerts on my phone. Was frustrated at that point and didn't want to run an additional to use XXXXXXXX XXXX Now the credit agencies are reporting double digit drops. A couple of the hard inquires dropped off. XXXX for XXXX and a XXXX XXXX didn't. When I talk to him about it he laughed it off and said that banks know not to count the inquiries. They continue to ignore that they disregarded my orginal request of a specific lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but Equifax and XXXX have not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity fraud. I have informed the credit bureaus previously, and they respond with " verified ''. 
The following accounts are associated with identity fraud : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Mortgage Loan that I had with XXXX XXXX XXXXXXXX XXXX has already been paid in full. 
XXXX XXXX XXXX XXXX  has failed to meet their fiduciary obligations Due too poor communication and breach of contract and dishonor of promissory note and security fraud and protection of my information. The law says that it is the policy of CONGRESS that each financial institution, those that extended lines of credit or loans have an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers done public personal information.. 
It has come to my last resort and final option to file a lawsuit against XXXX XXXX XXXX XXXX and sue for compensating damages. 
upon request, no original promissory note was ever provided. 
The consumer reporting agency and the " lender '' have both violated my rights under Title 18 242 Deprivation of rights under Color of Law refusing to cease and desist upon request refusing to comply with my request to revoke power of attorney from XXXX XXXX XXXX XXXX and appoint a personal attorney.
Product: Checking or savings account

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Chex Systems XXXX. Please delete ALL the following accounts and ALL Inquiries.
Product: Credit card

XX/XX/year> purchased a XXXX vacation package for {$1700.00} as part of a group for XXXX with travel agency XXXX using my Discover credit card XX/XX/year> due to Hurricane Beryl and flights being affected XXXX told me that I could postpone my trip and would be given a credit to use at the hotel chain by XX/XX/year> XX/XX/year> I am notified by friends that were able to go on the trip ( arrived prior to the hurricane ) that there were a lot of very concerning safety issues the hotel acknowledged ( that I included in my dispute ) with the hotel resort to the point they were all given credits to use at a different resort property within the same hotel chain by end of the year XX/XX/year> Communicated my concerns about the XXXXXXXX XXXX XXXX to the travel agency and requested to use my credit at a different property within the same hotel chain was told they would look into it XX/XX/year> Reached out to the hotel chain directly to ask about either a refund or using the credit at a different resort within the same hotel chain due to the issues with XXXX XXXX XXXX XXXX XXXX XXXX responded via email that considering the issues the group had I could use the credit at either XXXXXXXX XXXX or XXXX XXXX and provided an email contact for me to share with XXXX so that the credit could be applied correctly XX/XX/year> I provided XXXX the dates I wanted to travel along with the email confirmation and contact from the resort that I stated I could use the credit at XXXX XXXX, along with who they should reach out to to appropriately apply the credit, stated that I would not be traveling to XXXXXXXX XXXX XX/XX/year>XXXX XXXX is refusing to rebook me at XXXX XXXX, and the hotel will not allow me to book directly because the original booking was through XXXX XX/XX/year> I filed a dispute with Discover outlining the issues above, and provided all the email documentation I had XX/XX/year> Discover rejects my dispute saying " cardholder withdrew dispute '' ( which I did not ) XX/XX/year> Contacted Discover to reopen dispute - after a quick internet search it is clear that Discover has a history of not thoroughly reviewing disputes and showcasing some unethical practices when it comes to disputes so that is why I am filing this complaint
Product: Credit reporting 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX L Account XXXX has violated my rights. Or a list of inquiries : 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 following items of information 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: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I am writing to clarify a matter regarding a promotional balance fee of {$440.00} that was charged to my account despite my making the payment before the due date. 

I spoke with two representatives on the phone about this issue. The first representative 's system froze up on her, and I was transferred to a second representative. After two minutes of restating my issue and locating my account, the second representative informed me that I would need to call back on XX/XX/XXXX so that the promotional charge could be manually removed from my account. She also stated that she would make a note of my call and that a refund should be applied to my account. 

I would like clarification regarding the promotional balance fee because I worked very hard to avoid having any deferred interest charged to my account. The policy is posted as follows : We will generally apply payments in excess of the Minimum Payment Due to higher APR balances first. However, excess payments received before a deferred interest promotion expires are applied to the deferred interest promotional balance first in the last two billing cycles of the promotional period. And, if the expiration date of a deferred interest promotion is before the payment due date in the billing cycle in which the deferred interest promotion expires, excess payments received before the deferred interest promotion expires are applied to the deferred interest promotional balance first in the last three billing cycles of the promotional period. 


Why then was I charged {$440.00} if my payments were received before the due date?
Product: Credit reporting, credit repair services, or other personal consumer reports

it has been XXXX years XXXX keeps replying to my disputes with a verified message. consumer reporting agencies must CORRECT OR DELETE INACCURATE, INCOMPLETE OR UNVERIFIABLE INFORMATION. 


XXXX XXXX XXXX XXXX  ACCOUNT # XXXX invalid phone number ( XXXX ) XXXX XXXX. 

invalid address. XXXX XXXX XXXX # XXXX XXXX, ca XXXX reporting incorrect information for over 4 years please delete or provide validation
Product: Prepaid card

ON XXXX I made an online purchase with Macys ( order # XXXX ) using a Macys gift card in the amount of XXXX and I used XXXX to pay for the remaining balance of {$120.00}. The XXXX order number was XXXX. I had to pay {$31.00} for the deposit, which was debited from my debit card ending in XXXX. This is my card on file for XXXX. I returned the order. Instead of Macys issuing me a gift card back, they sent me a merchandise certificate ( XXXX ). This can only be used in the store. The closest Macy store is more than XXXX miles in XXXX Georgia. I called the customer service number and asked could they exchange this out for a gift card. I was told yes. I was on hold for over an hour and no one came back to the phone. I went into Macy 's store XXXX tried using the certificate because I never received the gift card. It stated the certificate had been used. The clerk in the store was like how it can be used, and you still have it. She called the customer service line. They asked me for my card number, and I would be issued a refund within 7 to 10 days. I never received the refund. On XXXX I called Macys again on hold for over an hour only to be given a number to XXXX. On XXXX I called again. XXXX a customer service manager at the store informed me that my card was credit on XXXX. I never received the credit. It was credited to a card ending in XXXX. This is not my card. I have since filed a complaint with the XXXX XXXX XXXXu in XXXX. The representative from Macys, XXXX XXXX states the credit was issued to the card ending in XXXX and was ending my complaint. This is not my card. I have never received the refund. XXXX never received the refund. They went back and did the history to the transaction. They refund me back my deposit of {$31.00}. I want my {$49.00}. If Macys would have sent me back my original form of payment this would have never happened.
Product: Debt collection

I am filing this complaint against CKS Prime Investments. I called their office on XX/XX/19 to make a payment of {$4600.00} as this is the amount that they were reporting that I owed on my credit report. I was told that they no longer had the debt and they provided me the number to XXXX XXXX. I then called XXXX XXXX and was told that I needed to contact XXXX XXXX XXXX XXXX to make a payment as they were now the owner of the debt. I made an e-check payment to XXXX XXXX XXXX XXXX on XX/XX/19 for the full amount and was told that this would be reported to CKS Prime. The check cleared my account on XX/XX/19. I can provide my bank statement to validate payment. CKS prime has continued to report to all 3 of my credit reports and is updating the debt as unpaid and is unwilling to update their records. This is a violation of the CFPB and FCRA. I want this company held fully responsible for their illegal debt collection practices and prosecuted to the fullest extent of the law!
Product: Payday loan, title loan, or personal loan

I obtained a loan for {$2600.00} because I was desperately in need. The loan originated in XX/XX/2019. The interest rate of the loan is 219.08 %. To this date, I have paid {$2300.00} and still have a balance of {$920.00}. Because of the coronavirus, I had work reduced and I reached out to the company to request interest deferment. They refused to assist me with my request. They only offered loan payment extension which do not help because the interest keeps accumulating. I would like to see the CFBP reach out to them and ask what their procedure is for these difficult times.
Product: Debt collection

Today XX/XX/XXXX, I received a notice from a collection agency, Convergent, stating they are trying to collect a debt amount XXXX claiming that I owed to XXXX. This has been a recurrent problem with XXXX. I have not had an account with XXXX since XXXX  when I lived at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX. I vacated that apartment in XXXX, XXXX and closed the XXXX account, paid the final balance, returned all the equipment. Apparently XXXX at some point reported or sold some innaccurate information about an account to a collection agency. Every year or so I get a notification from a collection agency about some amount owed to XXXX. I have repeatedly contacted XXXX about this and that company and their collection agencies keep sending me these claims. This now constitutes harassment. I do not owe anything to XXXX and want the CFPB to act to stop the collection agency, and stop XXXX from continuing to harass me about a debt that I do not owe. The address of Convergent on the notice is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX. The Client Account number on the notice is : XXXX. The Convergent Account number is : XXXX. 

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

Exeter was incorrectly reporting late payment for XX/XX/XXXX and I previously submitted a CPFB complaint regarding the handling of that dispute ( see attachment ) .The CPFB complaint was resolved and the company did remove the late payment from the payment history on my reports, however, on my transunion report the payment status is still showing 30 days late. It says 30 days late for amount of XXXX. Please look at this again and correct the payment status on XXXX. Account was paid in full on XX/XX/XXXX and was never late.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX XXXX Account number XXXX
Product: Student loan

For many years, I have requested an accounting from ECMC as to all the missing and misapplied payments, inaccurate interest, in appropriate fees, collection costs, etc. I have never received the full accounting. All I get is the original note and a balance sheet that starts just a few years ago. I have sent many letters ( some certified ) requesting all of this information and have never received more. Every time an ECMC representative calls or emails, it is the same story that they no nothing about my demands, no adjustments have been made to my account and just want me to agree they are right and to agree to pay way more than I could possible ever owe. I 'm not going to agree and I should not have to agree to pay what ECMC wrongly believes they should be paid just because they say so. It 's wrong!
Product: Credit card

I have a CareCredit card. I recently realized that " XXXX XXXX '' signed me up for a service that I did not sign up for. It took two statements to realize this. I call CareCredit and they happily refunded me. XXXX XXXX did cancel the protection. This is fraudulent to sign people up for something they did not sign up to pay for.
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report. 


XXXX XXXX XXXX XX/XX/2022 The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I '' m having a hard time getting these six late XXXX XXXX  payments removed from XXXX, and Experian. I already resolved this issue with the XXXX XXXX XXXX and my account is in forbearance. There is also no owed payment on my account with them and every thing is up to date. I was able to get these items removed from XXXX under the fair credit act which means they sided with my claim that there information was incorrect. pleas help me get the XXXX XXXX payments off of XXXX  and Experian because they wont budge.