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 XXXX 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 XXXX XXXX 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. 

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

I froze my Equifax credit score in XXXX. I unfroze it in XXXX, however, everything I apply for states it is frozen. I need the freeze to be removed and reflect that when applying for credit.
Product: Mortgage

I OFTEN PAY MY MORTGAGE AT THE LAST DAY OF THE GRACE PERIOD, E.G., ON THE XXXX OF THE MONTH. I DEPOSIT THE CHECK WITH A TELLER AT XXXX OF THE BRANCHES. 
THE TELLER GIVES ME A DEPOSIT RECEIPT THAT HAS RECORDED A LATER DATE, SAY THE XXXX OF THE MONTH. 
I THEN SAY THAT IS WRONG AND ASK THAT THE TELLER TO INITIAL THE DEPOSIT SLIP WITH THE DAY DEPOSITED, AGAIN THE XXXX. 
I THEN WIND UP WITH A LATE FEE AS MY DEPOSIT IS RECORDED AT THE CENTRAL OFFICE AS LATE, WHEN IN FACT IT WAS ON TIME. 

A. IS THIS LEGAL B. DO I OWE A LATE FEE C. WAS THIS SETTLED YEARS AGO WITH XXXX BANK (? ) XXXX WHICH PAID AN ENORMOUS FINE {$450.00} MIL FOR THE JUST THE SAME METHOD OF RECORDING PAYMENTS AND CHARGING ILLEGAL LATE FEES.
Product: Checking or savings account

In XX/XX/year>XXXX  I bought a XXXX $ course in XXXX. I never received the certificate and the company charged me XXXX $ I reported this to B of A claims and they credited me {$30.00} instead of {$45.00}. I asked the lady who created the initial claim to fix it to XXXX $ and she claimed she did. How ever she did not. I have since worked with 5+ Bank of America employees to correct this and it has got me no where. I am out of options and I need to report this.
Product: Checking or savings account

I was overcharged hundreds of dollars on my account which overdrew my account in hundreds of dollars they literally double triple charge me overdraft fees for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax refuse to unfreeze my credit. I need to apply for credit now, not in 2 week when they get around to compromising data that I have to " snail '' mail to them. 

The fact that I can't get a representative on the phone to work with me is egregious. These companies make money hand over fist and then hold my credit hostage. The federal government needs to severely regulate them. Lastly, the government should make them work together so that a credit unfreeze/freeze would be a SINGLE action, not getting jerked around by 3 different companies!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have had a lot of problems with the Board of Equalization of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the B.O.E.. I had a family business during the recession of XX/XX/XXXXXXXX and the economy got the best of us, but I paid our tax lien of $ 20k -/+. 

The tax lien debt was tendered in 2014 and the BOE from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the BOE of XXXX within XXXX XXXX and XXXX XXXX of California. The BOE also went after my senior citizen mother ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt they did me in 2014 ( See attachment ), but now under XXXX XXXX. I have letters expressing the confusing and I even gave instruction to the BOE to follow up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


Thank you, XXXX
Product: Debt collection

Back in XX/XX/XXXX, I became very ill with the XXXX. I went to XXXX XXXX   because I couldn't XXXX XXXX XXXX XXXX. I gave the hospital all my insurance and billing information. I never heard about me having any type of balance till XX/XX/XXXXafter running my credit for a home. The balance is {$230.00}.
Product: Credit reporting or other personal consumer reports

After filling a dispute, later learning that the investigation never accused. That's against the law, wrong on all levels.
Product: Checking or savings account

During the pandemic I applied for a loan through sun XXXX XXXX. Just like everybody else we were experiencing hard times during the pandemic. XXXX XXXXXXXX XXXX approve me for a {$3000.00} loan or so I thought. They claim to put it direct deposit in my account at Bank of America. I thought that everything was fine. I started to pay my overdue bills and my card kept shutting down so I would call the bank and ask them why they would shut my card down I did this XXXX times each time they unlocked my card. On the XXXX time that I called I was very very irritated because it was happening every time I use my card. When I contacted the bank I was put on hold for over XXXX minutes then I had a bank representative tell me if they were canceling my checking account they said it was because of a difference of opinion I was a banking customer with Bank of America for over 11 years I had a safe checking account with them. Needless to say I was completely dumbfounded. When I ask to speak to a supervisor or a bank XXXX I was denied and hung up on. Well of course I called back and demanded to speak to a bank XXXX I was told that it was a {$3000.00} claim supposedly made by me on my checking account and that they had given me a {$3000.00} credit. I was flabbergasted to hear this. I asked the bank XXXX why would they give me a {$3000.00} credit on a claim right away when before when I had made a {$20.00} claim because a machine charged my account twice they made me wait to complete the investigation before giving me my {$20.00} back. Why would they give me a {$3000.00} credit on a claim that I never made. I asked the bank XXXX who was it that made the claim did they ask for credentials or anything of that nature. Well with that I was flabbergasted I tried to contact XXXX XXXXXXXX XXXX who I could not contact anymore. But I did manage to keep all the correspondence with them and I explained this to Bank of America who was supposed to protect my account with my safe banking. Well with that the money that I have spent on bills was now owed back to the bank for a claim I did not make. My account was shut down and they kept my direct deposit from Social Security to pay back this money. Then to top it all off they completely destroyed my credit and any other chance of continuing to bank with a reputable Bank. Bank of America is not that safe when they say safe banking. After calling constantly and trying to talk somebody with some sense that would help me with this matter. They allowed me to open up a new account with numerous restrictions. They still expected me to pay back what I had used for bills during the pandemic. Bank of America is not a good bank at all.
Product: Credit card or prepaid card

I have been attempting to receive my XXXX card since XX/XX/XXXX. I have called the XXXX  ( Payfare ) Customer Service and received the runaround for two months being told to just keep waiting for the card. At the beginning of XXXX I was advised that a card was sent to me in XXXX even though I did not authorize an account until XX/XX/XXXX. I looked back at statements and yes they opened an unauthorized account that never had funds deposited in XXXX. Today I called and was told by first representative to wait longer for my card and they had no way to track. They then transferred me to another call center where I was told I never ordered a card and it would take 2-3 weeks to receive a card. I am going on a trip XX/XX/XXXX and need the card to pay for hotels and rental cars, two weeks would be fine, three would not. I asked for a supervisor and was told no. The representative placed me on hold came back and said no supervisor available and they were done with the call and hung up.
Product: Vehicle loan or lease

After paying off my lease and purchasing the car, I went to sell it several months later and discovered the title I was sent was not valid. For some reason during my lease Chase had requested a new title which made the one I was sent not valid. so after not having a valid title and losing the sale of my car i called Chase. They told me they would have to send a request to the title department and this could take 30-45 days. after 45 days and multiple calls back i was told, now they can not locate the title and will have send off for a duplicate title from XXXX. Again could take up to 45 days. Now more than three months into this process I am still waiting>>>>> they say title was issued about two weeks ago and all they can do is wait to receive it and then it will be mailed to me. meanwhile I am unable to sell my car- it is sitting losing value and i am losing money each month paying for insurance> They are the most incompatunt company I have ever delt with amd WILL NOT EVER deal with again.
Product: Checking or savings account

On XX/XX/XXXX an Account that I had with the Bank of America was to have received a {$200000.00} wir e transfer. I was unaware that the wire transfer was to happen and did not find out until XXXX, wh en the business sold that this automatic payment was supposed to happen. With that I contacte d the Sender of the wire and they proved that the funds left their account, yet there is no record of the incoming wire. There was also no return of the funds to the senders account. Under further review it is evident that Bank of America in transferring the wiring instructions made an error and used the wrong account #. Bank of America claims that the time period of 7 years has expire d and that I am out of luck. I find this to be inexcusable and would like satisfaction of the amount owed me. This is nothing short of theft. Below is a list of pertinent information. My Account information : XXXX XXXX XXXX Account # XXXX XXXX XXXX ( Bank of America ) The Account information of the Sender : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX The Monthly Statement from the Sender states the funds went to account XXXX XXXX XXXX the first four digits of my ac count is XXXX, NOT XXXX. The senders statement also shows no return of the funds which never raised a red flag on their behalf. Bank of America still has the funds therefore and regardless of t he period of time that has passed regarding keeping of Statements, {$200000.00} would show up at t he end of year balance sheet. I have all documents to send to the Office of the Comptroller. I look forward to your response.
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 violate consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform leaving my account, vulnerable and 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, credit repair services, or other personal consumer reports

The FHA loan was paid off with Specialized Loan servicing in XXXX of this year ( account # XXXX ) and the credit report still shows the mortgage as open and not paid in full. I can not get any information online or with the loan company because I keep getting a message that the account is paid in full, and the online information is no longer there because the loan was paid off when I refinanced. This is effecting my credit to date. 

I am requesting that Specialized Loan Servicing update information with all credit bureaus showing the loan is paid in full!!
Product: Credit reporting

There are XXXX accounts appearing on my Chex systems report that are not mine. Both are fraudulent accounts that were opened using my personal information. One is from XXXX and the other is XXXX The XXXX account has no identification listed, and the XXXX account has an incorrect identification number listed. I have disputed these accounts in the past to no avail. XXXX account, the XXXX one, was appearing on my XXXX report. However, I disputed it, and it was subsequently removed. However, both remain on my Chex systems report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we purchased appliances from our local XXXX XXXX store for delivery on XX/XX/XXXX. I produced a Visa card to pay for the appliances. The store manager offered 5 % off and 12 months same as cash if we applied for a Sears/Citibank account. We agreed and the manager tried to enter information to process this. He seemed to have technical difficulty and there was a line that day. The total of our purchase was {$4700.00}. We received the appliances on XX/XX/XXXX. We did not receive any bill or statement for approximately 45 days. I went to the store and asked the same manager why we had not received a statement. He gave me a toll free number to contact Sears/Citibank. I did so. They asked me for my account number. I told them I did not have an account number but gave them all the information from my receipt. They stated they could not find an account. I went back to the manager and told him the situation. He stated it could take several weeks for them to process a new account and since it was 12 months same as cash, as long as we paid the balance in full by XX/XX/XXXX we would be fine. We received no statements, bills or collection notices. We applied for a XXXX loan. We received a call from the bank that ran our credit history. He stated there was a " charge off '' from Sears/CBNA in the amount of {$5900.00} dated XX/XX/XXXX. This occurred on XX/XX/XXXX. I contacted Sears/CNBA to pay my account in full ( the original {$4700.00} ) but they said they no longer had our account. They sold our account to XXXX XXXX XXXX, a different company. I contacted them. They stated they would only accept full payment in the amount of {$5900.00}. They also stated they would not delete derogatory information on our credit reports even if we paid the accounts. This is not right. Please help us! Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Experian, specifically with the Special Cases Department. I am doing this complaint through this because the agents of this department in Experian don't want to take my disputes, I have called multiple times, and they don't want to take action to do the right thing to remove the accounts that I am disputing of the unauthorized accounts. The agent of Experian says that the accounts that I disputed were already blocked, but that the creditors unblocked them and that they can't block them again. This is illegal and wrong, because I am aware of the federal laws of the section of the 605B of the Fair Credit Reporting Act and they are going against it. And I am within my rights to call the block and remove of these accounts as soon as possible after this complaint. 
( I am writing to inform you that I am a victim of identity theft. The information listed below, which appears on my credit report, is not related to any transaction made by me. Such transactions are the result of identity theft. Please block this credit information and send the required notice to all the businesses that provided you with this information. It is illegal and wrong for Experian workers to mistreat me, special affairs officers do not want to make disputes with me, they refuse and on the other hand allege that the police report that I provide them does not comply with those they establish, if this is the case because they refuse to supply what the police report should be like so I can request as they please. Since police reports are as they should be and as required by the federal government. In addition to the fact that you are reporting an account opened under fraud and it is also illegal and incorrect for you to refuse to make the dispute, I have every right to request and demand that these fraudulent accounts be blocked immediately and according to the federal laws that protect me since I am a victim of identity theft and I am providing a police report and all the documents required by law to support this fraud. Section 605B of the Fair Credit Reporting Act, which states that your company must block fraudulent information from my credit report that is the result of identity theft within 4 business days and that you must promptly notify providers who supplied my information. ) The accounts I am disputing are the following : 1. XXXX XXXX XXXX BALANCE ACCOUNT {$730.00} 2. XXXX XXXX XXXX BALANCE ACCOUNT {$95000.00}. # XXXX 3. XXXX  XXXX XXXX BALANCE ACCOUNT {$62000.00}. # XXXX 4. XXXX/XXXX  BALANCE ACCOUNT {$1100.00}. # XXXX
Product: Credit card

My Ally credit card was stolen. There were charges to the card while stolen. When I realized it was stolen, I called Ally to report the card stolen and dispute the charges. The first call I made was answered and we were halfway through the report when they dropped my call. I called again, reported the theft and disputed charges. I was issued a new card, the charges were transferred to the new card, then credited back. I received a paper copy of the dispute that I responded to via fax as mail is unreliable in my area. On XX/XX/XXXX, with NO CONTACT made to me, the charges appeared again on my card. After MULTIPLE attempts to contact the credit card company, I was FINALLY able to speak with someone. They reviewed the report and said that I stated I had the card in hand, so they were denying the theft. I asked to have this re-submitted. I have heard NOTHING from the credit card company. I again tried to contact them via phone. I was on hold for over an hour when it appeared someone answered the call and immediately dropped the call. I have since emailed the fraud department to dispute these transactions amounting to {$800.00} Credit card company is Ally
Product: Debt collection

This company has placed a collection items on my report that do not belong to me. I have written them in efforts to inform them on multiple occasions and they are unwilling to remove the alleged account or to respond to my correspondence via certified mail. 
The alleged account :XXXX  XXXX XXXX XXXX XXXX. This account is causing harm to me and my credit file. I have sent them over 4 separate affidavits with no reply. This account does not belong to me and I request immediate removal from my credit and or the immediate issuance of {$3000.00} for punitive damages.
Product: Credit reporting or other personal consumer reports

I have always been enrolled in credit protection on all of my accounts. Sadly when you need it some Credit cards refuse to apply it. I have been enrolled in credit protection since I have owned this card. I have never been late at any fault of my own, when the representative called me about late payments I advised that I was out of work due to an injury. I was told no problem they would note the account, it was my understanding that credit protection was applied. It was not After viewing my credit reportI noticed several lates. I have gone back and forth with multiple customer service agents at XXXX  XXXX and they have done nothing. 
I received a later stating we can not remove your XXXX lates, this is not good will this is a service I paid for and am not receiving.