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 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. 

Please remove, block or provide me with your investigation results in written form through the XXXX for this account : XXXX - XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

MY CONSUMER REPORT IS REPORTING SEVERAL ACCOUNTS THAT ARE INACCURATE. ALL OF THESE ACCOUNTS HAVE INACCURATE DATES OF LAST ACTIVITY, OPEN DATES AND INACCURACIES IN THE PAYMENT HISTORY BETWEEN EQUIFAX, TRANSUNION, AND EXPERIAN. THESE ACCOUTS CAN NOT REPORT LIKE THIS. THIS IS A VIOLATION OF THE FCRA AND THEY MUST BE DELETED IMMEDIALTEY AFTER THIS INVESTIGATION OR I WILL HAVE TO TAKE OTHER STEPS TO GET THE INACCURATE ACCOUNTS REMOVED PLUS COMPENSATION. THE RECENT LAWSUITS HAVE SHOWN THAT YOUR COMPANY DOES NOT DO A PROPER INVESTIGATION. DELETE THESE ACCOUNTS IMMEDIATELY TO PREVENT FURTHER ESCALATION WHICH IS MY RIGHT UNDER THE FCRA. DELETE THESE ACCOUNTS ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS ARE SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY FOR A COUPLE OF MONTHS WHICH IS AN INACCURACY. THESE ACCOUNTS WERE NOT LATE, AND CAN NOT SHOW LATE PAYMENTS IN THE PAYMENT HISTORY. ALL PAYMENTS MUST SHOW PAID ON TIME, PAID AS AGREED, NEVER LATE FOR EACH PAYMENT DATE UNDER THE FCRA. THESE ACCOUNTS ARE SHOWING DIFFERENT DATES OF LAST ACTIVITY BETWEEN EQUIFAX, TRANSUNION, AND EXPERIAN. UPDATE EACH ACCOUNT IN THE ENTIRE PAYMENT HISTORY TO PAID ON TIME, PAID AS AGREED, NEVER LATE. ( XXXX  XXXX ) ( XXXX  XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an ID Theft Report with the FTC on XX/XX/XXXX. I provided a copy of this report to all 3 CRAs on XX/XX/XXXX which then notified all creditors involved. 

One of the creditors was XXXX XXXX/XXXX. 

On XX/XX/XXXX, XXXX  provided me with their investigation results. I attached a copy of that report. As you can see, XXXX XXXX/XXXX was the ONLY creditor who refused to the blocking of their account. 

As I assumed this was an error, I sent XXXX a letter on XX/XX/XXXX by certified mail ( see attachment ) which was received XX/XX/XXXX, notifying them again of the ID-Theft and providing them with another copy of my Theft Report. I also notified them that I have not received any communication from them in regards to this matter. 

On XX/XX/XXXX, I received a response from XXXX ( attached ), basically stating that an ID Theft would be impossible on this account since it was opened and used be me AT SOME POINT and that they concluded their investigation and filed the dispute as complete. 

This forced me to send XXXX another certified letter on XX/XX/XXXX which was received by XXXX XX/XX/XXXX ( attached as well ). I clearly pointed out that this account was indeed opened and used by me but that the open balance was the result of ID-theft. I provided them with the same copy of the XXXX  results, a copy of a statement reflecting the last balance authorized by me and notified them when these charges were paid off. I attached the last statement reflecting authorized charges by me ( {$51.00} ).  This balance was paid off on XX/XX/XXXX. 

I requested the removal of the fraudulent account from my credit-reports within 30 days of the receiving of the letter. This deadline expired yesterday ( XX/XX/XXXX ). I also advised them that a case with the CFPB would be filed if they would not comply. 

As of today, XXXX XXXX has not provided me with any information whatsoever. As you can see, I requested detailed information about the alleged open balance, how this balance was calculated, what alleged purchases were made resulting in said balance and, most importantly, any proof of signature of me obtaining said goods. NONE of this was provided.
Product: Consumer Loan

XX/XX/XXXX I 'm disputing Navy Federal Credit Union 's ( NFCU ) response in denying an interest rate reduction for my VISA Go-Rewards card. As I previously indicated - I 've been a NFCU member since XX/XX/XXXX. They indicated that their denial was based on their review of my current and past credit history with them. I 've had mortgage loans with NFCU since XX/XX/XXXX and have never made a late mortgage payment and never defaulted on a NFCU loan. Over the years I 've paid off credit cards, car loans and other personal loans with NFCU without late payments. I did not want to pull this card, but I 'm XXXX and NFCU knows this. Over the years I 've had to appeal and dispute loan and mortgage denials from NFCU. In XXXX XXXX, my husband obtained a car loan for a XXXX XXXX XXXX with an interest rate of 1.99 percent. After the car loan we attempted get a lower interest rate or consolidation loan for our credit cards but was denied unless we used the XXXX car as collateral. My husband and I agreed to use the car to secure the consolidation loan which also included the car loan amount and was promised in XX/XX/XXXX by XXXX XXXX ( NFCU representative, XXXX, ext XXXX ) that the interest rate would remain 1.99 percent. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX, Assistant Manager ( NFCU representative, XXXX, ext. XXXX ) and he said that he could only give us an interest rate of 5.5 percent for the consolidation loan - not the 1.99 percent that was originally promised. We have been paying the consolidation loan since XX/XX/XXXX and have never made a late payment. I worked for a short time for NFCU XX/XX/XXXX and found that they had a bias in the lending practices with XXXX.
Product: Checking or savings account

On or about XX/XX/2020 I received a SBA loan deposit into my bank account in the amount of {$100000.00} that issued by the SBA. It has been several months now that I haven't had access to my account. They have requested information regarding the deposit which I have provided but as of this date I have yet to have access to my funds. I have tried repeatedly to speak to a branch manager and was told that they were unavailable to spake to me. I have a agreement with SBA not the Bank in regards to the bank, however the bank refuse to release the funds and have stated that the funds will be sent back for no reason. I would like my funds to be release immediately.
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 XXXX Account Number:XXXX  Account Name : XXXX  XXXX XXXX Account Number: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: Money transfer, virtual currency, or money service

Incident Summary Date of XXXX : XX/XX/year>, around midnight Details : XXXX. Phone Compromise : On the night of XX/XX/year>, my phone service was disrupted. Initially, I assumed it was a network issue. The next morning, I went to my phone provider 's store, received a new SIM card, and restored my service. However, during the outage, the hacker transferred my phone number to their device, resetting passwords for my accounts, including XXXX, bank accounts, Robinhood, credit cards, and XXXX. They even created new accounts, such as XXXX XXXX and XXXX XXXX XXXX, in my name. 
2. Immediate Actions Taken : XXXX XXXX XXXX  : On XX/XX/year>, I immediately visited the local branch and requested them to freeze my accounts. Despite my immediate request, XXXX failed to secure my personal account, resulting in unauthorized transfers of approximately {$15000.00}. Repeated attempts to resolve this with XXXX XXXX XXXX department and local branch manager, XXXX XXXX, have been futile. The hacker managed to transfer money from my account by receiving verification codes via SMS, which they accessed through my compromised phone. 
o XXXX : The hacker executed numerous transactions, sold my investments, and emptied my account. XXXX froze my account after a significant delay but has yet to refund the ~ {$11000.00} lost. They require a statement from my phone provider, XXXX, which refuses to provide any information without a legal notice. 


I have been going back and forth with them over 1 year and they are extremely slow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Check systems fraud with XXXX. When trying to open accounts denial of opening accounts due to check systems debt collectors
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this removed from my credit report since XXXX of last year as you can see I have to case number to the issue and each time they say they corrected the issue and have not and its still on going. The first case is XXXX and the second is XXXX. But according to law15 u.s.c. 1681n an unauthorized inquiry should not happen and should be compensated and since it is taking so long and this hard inquiry is hurting my credit something needs to be done and compensation is needed. And removed from all credit reporting agencies ASAP.
Product: Credit card or prepaid card

I have tried to get Wells Fargo Credit Card to stop allowing XXXX charges for months. The have now credited refunds for these charges AND are still allowing XXXX charges to go to our account
Product: Debt collection

I had my identity stolen. I have reported it to The Federal Trade Commission and made a report. I have notified the 3 credit reporting bureaus ( XXXX XXXX XXXX XXXX ) and they send it back as valid. I have notified them that this was a case of identity theft and to report this information from my credit reports and I have also notified Kohl 's / XXXX XXXX.
Product: Debt collection

I don't have credit I am always denied if this is insurance I always have a month to month policy and go with the cheaper company but always current with the state law and stop updating monthly the credit bureau don't know you and your the reason I'm denied a mortgage
Product: Checking or savings account

I deposited and check via mobile deposit for XXXX and was told that it would be available by the end of the day and it was not which cause my hardship I email and called twice and was told that I could not get any help there close of the day is XXXX and per there email communication it was end of business day not XXXX also there policy any under XXXX  will be available same day
Product: Money transfer, virtual currency, or money service

I completed a request to transfer {$270.00} to an individual that bank with XXXX. 
Zelle withdrew the funds but never made the deposit. They are holding the funds. I have no idea why. I requested that they the return my money to my bank and I was told it could take 1 to 3 business days. I don't know why they suspended the transaction. You can't talk with them. They create a substantial hardship for me. Why can they take money in minutes but can't refund in minutes. They are dishonest about their services and how that handled their transactions. It's been 3 days and I still don't have my money back.
Product: Credit reporting or other personal consumer reports

This account has a late payments XX/XX/year> which I need a detailed report for this month that shows the balance, scheduled payment, amount paid and amount due to verify the inaccuracy. I recently received one report from you but it does not have the information I requested mentioned above, that is not what I am asking for. I attach the report that I do not want to be sent again. I demand one as detailed above that you must send. I am within my rights to be provided with this proof since this affects my credit. otherwise this must be removed from my Account XXXX XXXXXXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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
Product: Debt collection

I disputed items inaccurate on my credit report. This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency.
Product: Debt collection

About 5-6 years ago, I opened a charge at XXXX XXXX since I received a XXXX % discount on a snow blower I purchased. I also received 6 months of 0 % financing. I signed up for e billing and paid the debt off according to terms. 
XX/XX/XXXX and XX/XX/XXXX, I used the XXXX credit card for the first time since that purchase to buy {$180.00} worth of flowers, pots and assorted garden items. Over the coming months I went about my business and forgot about the purchases. In XXXX, 2015 I received a call from a XXXX representative that my account was past due and a payment had n't been made since my last purchase ( in XXXX ) .. I immediately wrote and mailed a check for {$170.00} ( I had returned a bad plant for a {$2.00} credit ). 
The check which was accompanied by a letter with my account number, incorrectly was credited to my XXXX XXXX account also managed by XXXX. After calling them, the check was reapplied to my XXXX account. 
During the period XX/XX/XXXX thru XX/XX/XXXX I never received either a paper bill or e bill. I communicated this to both XXXX XXXX and XXXX reps. XXXX sent me copies of the missing XXXX bills which were in their system, but never sent to me in any form during the period they were due. 
I pride myself on promptly paying my bills on time. I am XXXX years old and have a credit rating of XXXX. This is not a " dog ate my bills '' story. I assure you I never received bills for four months in any form. My balance is now {$240.00}, ALL finance and past due charges which I refuse to pay since I paid the {$170.00} for the merchandise I purchased once XXXX contacted me. Thank you for your consideration.
Product: Credit reporting or other personal consumer reports

attached is the CERTIFIED MAIL FROM XXXX XXXX. XXXX is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX Open options Account # XXXXXX/XX/XXXXOpen optionsAccount # XXXX Open options Account # XXXX XX/XX/XXXXOpen options Account # : XXXX XX/XX/XXXX.Open optionsAccount # : XXXX XXXX XXXX XXXX XXXX # XXXXXX/XX/XXXX XXXX XXXX options Account # : XXXX XXXX Open optionsAccount # : XXXXXX/XX/XXXXOpen options Account # XXXX XX/XX/XXXX Open optionsAccount # XXXXXX/XX/XXXX XX/XX/LEADBA Open options Account # XXXXXX/XX/XXXX XX/XX/XXXX Open options Account # XXXX XXXXXX/XX/XXXX XXXX Open options Account # XXXXXX/XX/XXXX XX/XX/XXXXOpen options Account XXXX XXXX XXXX XXXX XXXX options Account # XXXX XXXXXX/XX/XXXX XX/XX/XXXX Open options Account # XXXXXX/XX/XXXX XX/XX/XXXX Open options Account # XX/XX/MRMOTORS MIAMI Dec 17 2021 UNITED AUTO CREDIT CO Dec 17, 2021 ONEMAIN Sep 25, 2021 ONEMAIN FINANCIAL GROU Sep 25, 2021 1ST PREMIER Sep 23, 2021 MERRICK BK Sep 17, 2021 AMEX Sep 5, 2021 These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX just put on my credit history that I own money to them. I was in a natural disaster at the time that I had them and couldn't paid for it due to the fact of the hurricane that hit our community. Now years later they have put me in collections, saying I haven't paid them. I talked to them when we had the the hurricane and they said I was food. This was when hurricane Matthew hit our community. I have tried to dispute it off my credit report and the company I.C. System ICN will not take it off my credit report. I need help.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices. Which violated the consumer financial protection act ( CFPA ). Specifically, cash app failed to take time and effectively measures to prevent and address fraud on their platform, leaving my account, vulnerable and for unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to make sure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Report- XXXXXXXX XXXX  XXXX
Product: Debt collection

I contacted the creditor and was told that there is no listing of my name with the doctor 's practice. I also contacted XXXX XXXX and they also told me that I do not owe them any money. 
I tried telling this to the collection agency but it fell on deaf ears.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion and XXXX  has not deleted these creditors and it took them more than 30 days ... .XXXX  -XXXX and XXXX XXXX, XXXX XXXX.