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 ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I had already made my payment for this month and had a {$0.00} balance due. I got an email today from Navient, XX/XX/19, that " the payment term for your loans has changed ''. It then says next payment amount : {$50.00}, and next payment due date : XX/XX/19. So they changed the terms of my loan to instantly cause a past due payment. I go into my loan and sure enough, it has in big red letters that it is " PAST DUE ''. I had made a payment on XX/XX/19 for {$400.00} toward this loan and had no balance due this month, then suddenly they created a retroactive past due balance. I'll be so angry if this hurts my credit score.  How can this be legal? I immediately submitted payment even though this shouldn't have happened and just needed to report this insane behavior.
Product: Credit reporting or other personal consumer reports

Experian is flat-out refusing to do its job, and Ive had enough. Ive been fighting to get this fraudulent XXXX  XXXX XXXX account ( Account # XXXX, opened on XX/XX/year> ) off my credit report, yet Experian keeps reporting it like its mine. This account was deleted before, but somehow, it got sneaked back in without any notice, which is illegal under the FCRA. I thought this issue was resolved, but here I am, dealing with the same nonsense all over again. This account is NOT mine. I never opened it, never authorized it, and never gave permission for it to be reported. I submitted a police report and proof of identity theft, and both XXXX and XXXX actually did their jobs and deleted the account immediately. But Experian? Theyre dragging their feet, ignoring the evidence, and making my life harder for no reason. By refusing to remove this account, Experian is violating the law15 USC 1681b ( reporting without permission ), 15 USC 1681e ( b ) ( failing to ensure accuracy ), and 15 USC 1681n ( willfully ignoring my rights ). Meanwhile, Im stuck with a messed-up credit report, a lower score, and financial stress because they wont do what theyre legally required to do. This isnt just frustratingits completely unacceptable.
Product: Credit reporting or other personal consumer reports

I opened up a XXXX XXXX Credit Card for {$250.00}. I have had the card for two months and Experian has failed to update my credit score with my new credit card. It is currently at XXXX and it should have gone up by XXXX points. My XXXX and XXXX reports went up by XXXX points. Now that I have some positive information that should be on my credit report from Experian it is not.
Product: Debt collection

XXXX XXXX does not have enough information to validate this debt. This is not my debt and they are falsely reporting it to all XXXX credit bureaus. They can not provide proof this is my debt other than statements they created and sent. I need to see what identification was used to start this account falsely under my name.
Product: Credit reporting or other personal consumer reports

I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I Sent a letter asking them to reinvestigate these accounts listed below because XXXX shows incorrect date of the account being open shows on XXXX the date of being opened as XX/XX/XXXX Experian shows open date of XX/XX/XXXX XXXX shows a date of XX/XX/XXXX High credit balance is also incorrect XXXX shows XXXX Experian shows XXXX XXXX shows XXXX last date reported is incorrect as well showing last reported XX/XX/XXXX Experian shows a date of XX/XX/XXXX XXXX shows a date of XX/XX/XXXX Date last active XXXX XXXX Experian shows date of XX/XX/XXXX XXXX shows dare of XX/XX/XXXX Date of last payment is incorrect as well XXXX XX/XX/XXXX Experian shows a date of XX/XX/XXXX XXXX shows a date of XX/XX/XXXX I Sent a letter on XX/XX/XXXX asking for the, to reinvestigate this account XXXX I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681I7 They also violated 15 USC 168i ( 5 ) Can you look into this matter
Product: Checking or savings account

I have multiple accounts XXXX Wells Fargo including a checking, savings, mortage and LOC. This morning I logged on an paid XXXX bills, and transferred money from my LOC to my business checking account. In order to do so I was sent a code via text which I entered to effectuate the transactions. 

Nonetheless, afterwards for no reason my account access was frozen on the ground of " unusual activity ''. But there was no " unusual activity '' : I went on line, was verified and made several transactions to pay bills and to transfer money from my LOC to my business account. 

I am not sure what is happening at this bank but it seems highly unfriendly to its own customers like myself. There is no legitimate reason for the bank to have restricted access to MY ACCOUNTS necessiating me to call monday morning to clear up an issue the bank created. 

I'd like for you to investigate the basis of why my on line access was frozen. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016 I went to XXXX XXXX XXXX XXXX for a consultation. I wanted to know what my options were. Later Id started getting phone calls concerning payments, later in mail about a court date. Id called several times to speak with the attorney, I wasnt able to reach her, later was told she no longer works for the company. Filed a complaint with Ga XXXX XXXX, basically the attorney stated she could not make any statements because she didnt have any information in front of her. I simply went into the office to find out what my options were. I did not file bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call multiple times to cancel my subscription with Experian ( {$24.00} ) per month and after spending several hours waiting for someone to answer the phone I have been disconnected. I have tried to switch my credit card number ( one that isn't authorized to them to charge and it is still charged. My banking institution has informed me I can not depute the charge because I authorized it originally.
Product: Payday loan, title loan, personal loan, or advance loan

I sent this letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : I applied for a loan from XXXX XXXX which included a payoff of a car loan at XXXX XXXX XXXX XXXX. However, my XXXXXXXX XXXX second mortgage pay out included a payoff for that car loan at XXXX XXXX XXXX XXXX, which occurred on XXXX XXXXXXXX XXXX 
Given that the loan I secured with XXXX XXXX in XXXX of XXXX was predicated on XXXX paying off my car loan at XXXX XXXX XXXX XXXX and that I actually paid off the loan with funds from my mortgage payment, please provide a listing of all amounts borrowed and their dates, along with the current final balance of my loan. 

Your assistance with this matter is greatly appreciated. 

Sincerely, XXXX I have never received a response.
Product: Checking or savings account

On XX/XX/2021, I received a text message alert from Citibank asking about a purchase. I responded that I did not authorize the purchase. I was immediately contacted by Citi fraud regarding the unauthorized attempt on my account. While on the phone with the Citi rep I was sent several Citi codes to help secure my accounts, which the Citi rep asked for to verify my account. I was on the phone for quite a while with this Citi rep when a message was sent to me asking about a transfer of funds through XXXX. The Citi rep told me it was a " test '' and no funds were leaving my accounts. After following his instructions, my account was immediately drained with the almost exact amounts in both my savings and checking. I was screaming at the Citi rep that my money was being stolen and he told me that he was locking my account and blocking all transactions. I checked my mobile app for Citi and my account was indeed locked. I asked for the information for the person who was trying to transfer funds out of my account and where the initial charge was attempted. He finally gave me the information at the end of the call. Feeling very uneasy, I called Citi fraud back and learned that both of my accounts were in fact drained of all funds while I was on the phone with the Citi rep. I spent the next 1.5 hours on the phone with the Citi fraud and Citi-XXXX fraud departments. It was confirmed by two Citi fraud representatives, during my second phone call that the Citi rep from my first phone call with the fraud department was a Citi employee. Additionally, when I went to Citibank - XXXX to open new checking and savings accounts, the bank manager confirmed that the numbers from which the texts the first Citi rep sent me text messages to take over my account came from the same Citi number that the bank manager received his messages. I was told on XX/XX/2021 that the stolen funds would be put back into my compromised account and then transferred to my new accounts on XX/XX/2021. As of today, XX/XX/2021, I have still not received my funds back. Moreover, I have been informed that IF Citi decides to return my money, it will not happen until XX/XX/2021. I believe I am not the only target of this Citi employee, that Citi is trying to cover it up and it is totally unfair that I had all my money stolen and Citi refuses to return it, especially since it was done by one of their employees. Attached to this complaint are the text messages I received while on the phone with the first Citi rep and the email I sent to our families personal banker for your review, response and file.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT Top Inquiries Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX Miscellaneous Department and XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX  Commercial Banks XX/XX/XXXX TransUnion XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX Installment Loans XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS CREDIT BUREAU IS REPORTING THE WRONG NAME AND ADDRESS ON MY CREDIT REPORT. I ONLY HAVE ONE NAME WHICH IS XXXX XXXX XXXX. MY ONLY ADDRESS WHICH IS XXXX XXXX XXXX, XXXX XXXX, MD XXXX. ANY OTHER NAME AND ADDRESS IS INCORRECT. I HAVE ATTACHED MY ID, SOCIAL SECURITY AND BILL WITH MY CORRECT NAME AND ADDRESS. I HAVE NEVER LIVED AT ANY OTHER ADDRESS OR GONE BY ANY OTHER NAME. ANY OTHER NAME AND ADDRESS IS INCORRECT AND NEEDS TO BE DELETED.
Product: Checking or savings account

I open a 18 month CD on XX/XX/XXXX which matured in XX/XX/XXXX. The Certificate rolled over for a 1 year term to expire on XX/XX/XXXX automatically. I want to put this money in my savings account instead. The company advertises a grace period on the web ( See Below ).

I have call several times and spoken with at least 3 different people including today. They claim that if I close the CD I will have to pay an  early withdrawal fee. Please bear in mind that as of today XX/XX/XXXX and by their words below from their " frequent ask questions '', I am still under a 10-day grace period and I am choosing to " Withdraw Balance without Penalty '' as indicated below. But because they are insisting on charging me a fee to withdraw I feel obligated to leave the money on the account. This for all intent and purposes is fraudulent advertisement and
complete disregard for customers rights.

WebsiteXXXX XXXX XXXX XXXX  general What are my options when my CD matures?

We will notify you via email before your CDs maturity date. There is a 10-day grace period following your CDs maturity date, during which you have a few options : withdraw balance without penalty ; renew your CD with the same term ; or, close your CD and open a new one with a different term If you do not contact us within the 10-day grace period to take any action, your CD will automatically renew for another  term.
Product: Mortgage

My taxes are NOT being paid. The money to pay them is in my escrow account, and I have called the mortgage company almost WEEKLY to get them paid. They keep telling me they are waiting for a response from the tax office, which isn't true because they have talked to them AND received the tax statement from them. My Tax Office has talked to them, sent them a statement. .and they are still NOT getting paid. I'm now receiving delinquent tax notices from the tax office. I first contacted them XX/XX/2021... and have been trying to get them paid ever since. They have to actually read back thru notes when I call to get thru all the documentation of all the phone calls I've made!
Product: Debt collection

I have contacted SpeedyCash on several occasions asking for information regarding the {$310.00} that is sitting on my credit. I have not applied for any type of loan or recieved any loan from this company. I have asked that information in writing be sent to me either via email or postal. I asked for the account information or even the bank name the money was deposited into. I was told the loan was done online! How can you verify someone online? Their customer service will NOT provide me with any information so that I can even dispute this properly, I keep getting the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am a service-disabled veteran and run a charitable 501c3 XXXX that saves wild mustangs and assists our nations veterans with suicide. I have recently become aware of some major hacks to my social security number and from their have started requests from the 3 major credit bureaus and the IRS in particular for help in correcting the situation. This situation has limited my ability to help the veterans as I was denied credit for not knowing false information was on my credit reports.

I am reaching for assistance regarding my credit report and the multiple times social security number has been hacked and used according to all 3 major credit bureaus XXXX, Equifax and XXXX. 
I have already requested an investigation from the Internal Revenue Service ( IRS ). 
I am including dates and items that I would like fully investigated and deleted from my credit reports. I have never heard some of these items. And now I am reaching out to you for help. 
In the following 15 U.S.C. Sec. 1681 ( a )? I am aware that if proof can not be provided, these accounts must be deleted.I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me, it is much appreciated.

The social security breaches occurred on the following dates according to all 3 major credit reports : Site : Number of Breaches Type of Information Dates of Records XXXX XXXX Social Security Number/Phone number/ XXXX passwords XX/XX/XXXX XXXX  2 Social Security Number/ Phone Number XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ Phone # / XX/XX/XXXXXXXX XXXX 1 Social Security Number/ Phone # XX/XX/XXXX Dark Web 1 Social Security Number XX/XX/XXXX XXXX 2 Social Security Number XX/XX/XXXX XXXX XXXX XXXX investigate the following accounts and remove them this in not me. 
Account Name : XXXX Amount : {$110.00} Date XX/XX/XXXX Account Number:XXXX Please investigate the following accounts and remove them from my credit reports Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} Date : XX/XX/XXXX Account Number : No Account Number Located Thank you for your assistance in this very important matter. 
Respectfully, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX we met with XXXX XXXX ( XXXX ) of XXXX XXXX ( XXXX ) and agreed to purchase hurricane proof replacement windows for our home totalling {$30000.00}. We agreed to this purchase based on the financing offered through GreenSky Program Plan XXXX, where the first 18 payments would be reduced to " interest only '' or {$150.00}. After the initial period the payments would be {$300.00}. On XX/XX/XXXX XXXX called us by XXXX to say our loan was approved. 

After the windows were installed I received the consumer note that showed the full payment amount due for the length of the loan with no reduced payment for the introductory period. I contacted the bank customer service department at XXXX where I was informed my first 18 payments should be {$150.00}, which agreed with what we were initially told. That the paperwork we received was wrong and would be corrected. 

We received our first statement where the payment amount due on XX/XX/XXXX is {$340.00}! I contacted customer service where I spoke with " XXXX '' who informed me the plan XXXX we applied and was approved for ended on XX/XX/XXXX and our loan was approved on XX/XX/XXXX and there was no introductory period where the payment was interest only anymore. Sorry. 

I contacted the finance manager at XXXX XXXX. They were not informed of the change in the program and continued selling it for weeks after GreenSky made the change. They have complained to GreenSky without satisfaction as well. We are not the only consumers damaged by the lack of communication by the bank. 

I am a XXXX XXXX Veteran on a fixed income. We moved forward with this transaction after determining that the initial 18-month period of lower payments gave us time to sell and close on property we still own in Ohio. Now we are faced with financial hardship making higher payments than promised and budgeted for. 

I feel that XXXX XXXX  and myself did our due diligence. Without information from the bank to the contrary, it was reasonable for us to believe the program was still in force and we were reasonable to anticipate the payment program we agreed to.