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 : Cushman v. XXXX XXXX ( 1997 ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data.

Dennis v. BEH-1, LLC ( 2002 ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers.

Ramirez v. XXXX XXXX ( 2021 ) : 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 XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Earlier this month ( XX/XX/2023 ), I received notice from my mortgage holder, XXXX XXXX XXXX, that my loan was being switched to their servicing company, XXXX XXXX XXXX. Nothing changed about my account, it is still in good standing, except my loan was assigned a new loan number. This is simply moving my loan to a different arm of the same company. As a result of this arbitrary change, Equifax reduced my credit worthiness by XXXX points to a XXXX credit rating because it says my loan was closed! 
My loan was not closed, merely transferred to another part of the same company. 

This can not stand! I work hard to keep my credit rating in the Good range and this arbitrary change or miscommunication between the lender and credit rating service unjustly penalizes me. 

Please see that this is corrected as soon as possible. I need the good credit rating I earned to continue uninterrupted. 
Thanks for your assistance. 

The notice from XXXX XXXX states, " To help you get settled in, there will be no late fees or negative credit reporting during your first 60 days with XXXX XXXX. ''
Product: Debt collection

I am writing to express my extreme dissatisfaction and outrage upon discovering a fraudulent account listed on my credit report. It has come to my attention that an account that I have no association with has been inaccurately added to my credit history, tarnishing my financial reputation and causing me undue stress and inconvenience. XXXX. XXXX XXXX XXXX and Bankruptcy XXXX  XXXX XXXX
Product: Credit card or prepaid card

I have contacted capital one on several occasions to inform them my finances have changed and that i'm experiencing a temporarily financial hardship no longer working due to injury on the job. If possible what assistance can be offer to assist me during this hardship. What are my options. I'm able to make a little less the required payment. I was originally enrolled in auto payment. However due to loss of work i tried to cancel the automatic payment. I contact Capital One to inform them in Early XX/XX/XXXX to stop payments.However my account had a block due to verification purpose. Capital one customer service had to refer XXXX to the fraud department to correct this matter. I spent hours on the phone assisting representatives with the verification process. I email copy of my drivers License and tax return. However the customer service representatives were still unable to complete the verification process. I spent hours at a time on the phone. The customer service representative offer to call me back and apologize for the inconvenience. I was still unable to get any assistance or information in regards to my account. This happened over several weeks. This miscommunication, computer and system delays on capital one have caused a serious delinquency on my account. 
I was still making payments on my account XX/XX/XXXX i paid XXXX  XX/XX/XXXX automatic payment was attempted however payment returned XX/XX/XXXX. This was still continuing because account couldn't be verified however i made XXXX payment XX/XX/XXXX {$32.00}, XX/XX/XXXX XXXX  XXXX  I contact Capital One on several occasions in regards to my account and what i needed to pay to have account in good standing. I was told to make a payment before XX/XX/XXXX to avoiding falling behind 30 days. XX/XX/XXXX i made a payment of {$1300.00}. According to XXXX, XXXX  and XXXX  credit bureaus on XX/XX/XXXX, Capital one reported a late payment. I have contact them several times due to heavy call volumes, Capital One did not take any calls on several dates leaving automatic message indicating to call another time as a result of the Covid-19 Pandemic. I have spoke to other customers who informed that Capital One was offering options for hardships to all of its customers. If an investigation was done and call records were reviewed. It will indicate the poor customer service, system ( PC ) errors and lack of communication that caused my account to be reported negatively. I have been a customer over 10 years and have never been reported late. I have not received any mail correspondence about my account with Capital One. This is the reason i always called to verify any changes or issues. According to Fair Credit Reporting Act. I have the right to dispute any inaccurate or incomplete information. Capital One has refused to assist with any disputes.
Product: Debt collection

Im attempting to communicate with JH PORTFOLIO DEBT EQUITIS. I have checked my credit report and there is an report of a debt owed for the balance of {$1600.00} the account is roughly 10 years old. I have attempted to call, dispute the credit debt, and mail a verification validation letter. I sent a  validation letter in the middle of XX/XX/2018 and have not received any response.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found a collections account from original creditor XXXX XXXX XXXX but held by debt collectors XXXX XXXX XXXX in the amount of {$1300.00}. This is fraud and I asked that it be corrected on my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report a bankruptcy that has not been properly verified on my report. I have continually asked for this item and the accounts attached to it to be investigated.They continue to respond with the words it is verified without providing any proof that they verified the items.They are in violation of the FCRA.
Product: Checking or savings account

I am XXXX! 

The gross misconduct of Wells Fargo Bank reminds me of the appallingly atrocious XXXX  treatment of my relatives In XXXX and in XXXX during XXXX XXXX where they were treated as XXXX, as XXXX, as RATS! 

Wells Fargo Bank is treated both my beloved and loving wife, best friend, and soulmate XXXX XXXX XXXX and me as XXXX what with its contempt for us, its abject and appalling and obnoxious failure to resolve the grossly unfair and illegal problem of charging my banking account with a huge number of snow balling effect overdrafts at {$35.00} a piece! 

Despite our repeated requests and demand, all with due respect, of course, nothing has been done! 

To repeat for great emphasis, I told several of its " representatives from the Executive Office '' that WE NEED THE SOCIAL SECURITY MONEYS THAT Wells Fargo Bank has in effect STOLEN away for us and we share and share like! 

XXXX from that said office called a half our or so ago to say you was taking over the matter! Never mind that XXXX XXXX and I spent more than 30 minutes on the phone on or about XXXX this past Friday going over and over and over our continued many complaints! 

Now it's XXXX in charge! And tomorrow and the next after THAT? 

XXXX, and it is quite unbelievable, advises me that I must wait until XXXX XXXX for " resolution '', whatever that means. That there is " more research '' to be done but they've had this matter for more than 3 weeks now! 

And so, and of course, I do not at present charge XXXX, but the similarities between how my relatives in XXXX and in XXXX were treated and how Wells Fargo Bank is treating XXXX XXXX and me is indeed startling and shocking! 

Here is a bank with literally hundreds of billions if not more in assets and tens of thousands of employees and more and YET CAN NOT SOLVE THIS PROBLEM INVOLING {$240.00} ( or more? ) in these aforementioned fees! 

Is it XXXX? NO! 

But it is the grossest of gross callousness and insensitivities toward XXXX XXXX and I each with LIFE-THREATENING medical conditions and each senior citizens of VERY ADVANCED AGES! 

Talk about cruelty! LET 'S! 

Evil too! LET 'S! 

XXXX XXXX and I are devoutly religious and so find this entire matter even to be XXXX! 

WE SHALL INFORM THE WORLD AND THE NEWS MEDIA!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  is on my credit report twice as a hard inquiry and they stated they only ran my credit once on XX/XX/2022 but XX/XX/2022 is appearing on there as well. Please remove XX/XX/2022 immediately. Also, Navy FCU ( Finance ) is also showing as a hard inquiry on XX/XX/2022 and I reached out to them and it's still appearing on my credit. I don't have an account with them and canceled my application before they were suppose to run my credit.
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 violates the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely 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 fraud transfer act ( EFTA ) and regulation E these actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

I asked for a copy of the original contract from chrysler capital and I did receive it. Upon confirming its legitimacy I found a discrepancy on the contract/account. For the past 7 years I have had an account on my credit report that is incorrect and/or has inaccurate information.
Product: Credit card

On XX/XX/XXXX  account XXXX was opened. This is a fraudulent account reporting on my credit report. This account is a result of identity theft and needs to be removed from my credit report within 4 business days ( Per U.S. Code 1681c-2 ), as it has caused me and my reputation personal harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi AMEX and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Mortgage

Nobody at this company speaks English. I have sent them the documents that they requested 3 different times and still they claim not to have received them. This has been going on for almost a year.
Product: Student loan

I 've been XXXX for 4 years and am unable to work due to a XXXX condition. And they 've repeatedly forced forbearance at me rather than put me on an income repayment plan or release my debt due to XXXX and I am not currently, nor have I ever been on XXXX or XXXX so I have XXXX income. They have offered me no options. Forbearance or pay.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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: Checking or savings account

I talked to the executive director of chase bank and she tried to beat me down cause she didnt know the law consumer law about privacy and the false information that is infringing upon me getting financial assistance from them she was very nasty and not knowledgeable of lawsand she tried to make it seem like I was XXXX cause she said she investigated the issue in which she didnt cause she said she tried to get in touch with me when she didnt.nore did she understand that the request was to open an account with the bank for my company in which the name is all over all that came with the complaint. She said I never applied and she didnt find anything involving me or my company as well as some key people like XXXX XXXX and we never applied for some assistance. And furthermore she acts like. Im less than her cause shes an Executive trying to make me feel like Im nothing. And if I have a problem thats what the CFPB is for cause shes not a lawyer. And she dont need to know U.S.C . politics. And she refuses to remove all inquiries. And she feels there are no .resolve till she gets my paperwork that I already sent to them several times
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$3800.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection account is in Georgia. This false reporting of a collection on an account that isnt mine is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My house was foreclosed on and I lost my house despite trying to get modification which was affordable at the time. I was working and had enough income to support a modification, but was denied numerous times over and over again from XXXX - XXXX. My house was {$500000.00}, but with denials ended up being over {$1.00} XXXX dollars in fees owed. Wells Fargo was the bank. Am I entitled to compensation?
Product: Checking or savings account

I am writing to formally file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that have been unfairly assessed to my account. 

The fees in question were charged despite my account having sufficient funds when the transactions were authorized. However, due to delays in the posting of charges and credits, the transactions later settled with insufficient balances, resulting in overdraft fees. 

This issue appears to align with recent findings by the Consumer Financial Protection Bureau ( CFPB ) regarding similar practices by Navy Federal Credit Union. According to these findings, fees were imposed on transactions that initially had available funds, which I believe constitutes an unfair and deceptive practice. 

I respectfully request an investigation into the handling of my account, particularly the overdraft fees that I have incurred. I believe these charges should be reviewed and refunded as they were not properly assessed based on the timing of my account activity.
Product: Debt collection

This company is on my credit report for a medical bill that I do not recognize. On XX/XX/XXXX I  sent them a dispute requesting that they validate the debt and prove that it belongs to me. As of today, I have never received anything from this company in writing providing proof that this debt belongs to me, nor did I receive anything prior to them placing it on my credit report. On XX/XX/XXXX, I notified the credit bureaus that had requested debt validation and that I had not received nothing, with the hopes that they would have the agency validate with me. At that time they opened a dispute and 48 hours later I was sent notification from XXXX, XXXX & XXXX and the debt was updated as valid. I am asking for help because am wondering, how can a debt be deemed valid if I have never received validation, even after sending a request in writing. FCRA says if the debt is not validated within 30 days the bureaus must remove said debt and that is what I want done.