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 Corp. (XX/XX/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. 

Please remove, block or provide me with your investigation results in written form through the USPS for this account : XXXXXX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experean incorrectly lowered my credit score from XXXX in late XXXX to XXXX during XXXX of XXXX because XXXX XXXX  incorrectly reported to them that I had a delinquent overdue fee on my credit card with XXXX XXXX. But that is all incorrect! As XXXX XXXX can testify, there was NEVER a delinquent nor overdue charge EVER on my credit card with XXXX XXXX! As documented in XXXX case number XXXX of my account number XXXX it was always XXXX XXXX XXXX mistake to report incorrect information to Experian, and there was never a delinquent nor overdue status on my account. XXXX XXXX has fixed the mistake, but Experian continues to report a " late payment '' on my credit report and reduce my credit score by XXXX points when it should have never been lowered below the XXXX level that it was in early XX/XX/XXXX. So Experian should remove any history of " late payment '' and return my credit score to near 790, because there have been NO LEGITIMATE COMPLAINTS against my credit since it was XXXX in late XXXX.
Product: Credit reporting or other personal consumer reports

I have not been able to obtain a copy of my credit report and score as my right annually from transunion, XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account falsely reported as delinquent. I never missed a payment that was not in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 20 accounts on my credit report that do not belong to me I have tried reaching out to the bureaus as well as the furnishers and they are nopt helping me out I need this taken care of asap!!! I need to know who is using my name or opening accounts what is this,. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX - CARD SERVICE Account Number : XXXX Reason : This is not my account Account Name : XXXX - CARD SERVICE Account Number : XXXX Reason : This is not my account Account Name : XXXX - CARD SERVICE Account Number : XXXX Reason : This is not my account Account Name : XXXX - CARD SERVICE Account Number : XXXX Reason : This is not my account Account Name : XXXX - CARD SERVICE Account Number : XXXX Reason : This is not my account Account Name : XXXX - BANKCARD Account Number : XXXX Reason : This is not my account Account Name : XXXX PERSONAL MA Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX CARD SER Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against TransUnion, XXXX, and XXXX XXXX XXXX XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681. I disputed an alleged charged-off account ( Account XXXX : XXXX ), and despite multiple attempts, I have not received proper verification or resolution within the legally required timeframe of 30 days. By law, this account must now be permanently removed from my credit reports. 

The timeline is as follows : XXXX. XX/XX/year> : I submitted my initial dispute to XXXX XXXX XXXX XXXX, requesting : A full account history, including payments, charges, and delinquencies. 
Documentation substantiating the charge-off date and the 48 months of negative reporting. 
Proof that the reported information complies with FCRA standards for fairness and accuracy. 
Their response failed to provide any supporting documentation, citing an issue with my address, despite it being correct and matching the one on my original letter. 
XXXX. XX/XX/year> : I resubmitted my dispute and requested a reinvestigation, which was received on XX/XX/year>. Over 30 days have now passed with no response from the furnishers or the credit bureaus, which is a clear violation of FCRA 611 ( a ).

Under the FCRA, if disputed information can not be verified within 30 days, it must be permanently removed from my credit reports. Furthermore, under FCRA 611 ( a ) ( 5 ) ( B ), credit bureaus are prohibited from reinserting disputed information unless full verification has been provided. TransUnion has already reinserted this account once without proper verification, compounding this violation.

Resolution Requested : I am requesting the immediate and permanent removal of this charged-off account ( Account XXXX : XXXX ) from both my TransUnion and XXXX credit XXXX. Additionally, I demand : XXXX. A thorough investigation into the non-compliance of XXXX XXXX XXXX XXXX, TransUnion, and XXXX. 
XXXX. Confirmation that this account has been deleted permanently and will not be reinserted on my credit reports. 

The continued reporting of this unverifiable and disputed account is a violation of my rights under the FCRA and is causing significant harm to my financial stability. By failing to meet their legal obligations, these parties have demonstrated a disregard for federal consumer protection laws. 

I have included a copy of my initial dispute letter sent on XX/XX/XXXX, XXXX well as proper identification.
Product: Debt collection

My mother was contacted by an XXXX representative on XX/XX/2022 who shared my private information. XXXX claimed to be a mediation company contracted by Plaza Services, the lender who now owns the fraudulent loan. 

The companys name is XXXX, and the representative told my mother that I owed bad debt, and that arbitrary action would be taken by XXXX pm eastern time if I did not contact them. The representative also told my mother that this debt was not fraudulent, and payments had been made. I have been in the process of disputed this debt as fraudulent since my identity was stolen in the XXXX breach. I have no knowledge of making payments which further complicates the issue. Under the law, I believe this falls under bad communication tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a ton of inquires on my credit that I did not do. I have never asked these companies to provide me with anything. I called the credit bureau they told me to call the company I call them and they refer me back to the bureaus saying they have none of my information I keep going in circles and want this information deleted from my credit file. I have been trying to get this resolved for months. All this mess is someone attempting to get goods in my name.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and the reporting of a bankruptcy on my credit report associated with Reference # XXXX according to my records the information is inaccurate and may violate the fair credit Reporting Act ( FCRA ) which mandates that all information reported to consumer reporting agencies be accurate and complete. Under the FCRA I have the right to request verification of this information. The reporting of this bankruptcy does not accurately reflect my account status and may be misleading to potential creditors. Additionally I request that you investigate this matter in accordance with metro 2 compliance guidelines which require furnishers of information to report accurate data. Please provide me with the following : 1. Verification of the bankruptcy, including the case number and details of the filing.

2. Documentation showing the timeline of the bankruptcy reporting, including the date of filing and discharge. 
Explanation of the reporting process and how this information was verified. .I expect a response within 30 days regarding this matter. Failure to address this may result in further action, including contacting the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
Thank you for your attention to this matter. I look forward to your prompt response
Product: Credit card or prepaid card

on Monday XX/XX/XXXX i call the wells Fargo reward center about my rewards the customer service why i did n't get my XXXX dollars reward because i already spend XXXX dollars in first three months they check for me saying that the promotion rewards is i need to spend XXXX dollars in first three months i said no then they transfer me to talk to their supervisor the answer is the same i tell them when i apply online they said is i need to spend XXXX XXXX in first three months why now it change to XXXX dollars they said nothing they can do they are cheating me
Product: Vehicle loan or lease

I was in an accident where my car was declared as a total loss by XXXX XXXX. They obtained the lease pay-off from BMW in the amount of {$45000.00}. XXXX XXXX  sent BMW Financial Services on XXXX a payment amount of {$55000.00}. The payment was confirmed received by BMW Financial Services as of XX/XX/23 which is the latest date that I have contacted them. I have attempted for BMW Financial Services many times to refund me the difference as the pay-off was beyond the amount owned to BMW Financial Services in the amount of {$10000.00}. This is the amount of equity I have built into the car after making payments. BWM Financial Services is refusing to refund me the overage in pay-off and they insist on keeping my {$10000.00} equity in the vehicle.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and multiple communications with your institution, these fraudulent entries persist, causing significant distress and concern. 

I have diligently followed the procedures outlined by your institution and the credit reporting agencies to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the fraudulent items remain unresolved.

It is extremely disheartening to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my credit file. These fraudulent entries not only affect my credit score but also raise concerns about potential identity theft or fraudulent activity.

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution and the credit reporting agencies in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent items on my credit file have left me feeling frustrated and disillusioned.

As a consumer, I have the right to expect accurate and up-to-date reporting of information on my credit file. The repeated failures to address this issue not only undermine my confidence in your institution 's ability to handle consumer concerns but also reflect poorly on your commitment to customer service and financial integrity.

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my credit file, and that measures be implemented to prevent any recurrence of such fraudulent activity in the future.

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter.

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my credit file. I am asking for your assisstance to remove these fraud items in my credit file : 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
Product: Money transfer, virtual currency, or money service

I started doing flagger work for a local sub-contractor who gave me a Wisely prepaid card into which we would receive our paychecks. We were given sealed envelopes and told not to open them until our payday. 

I went over the fine print and the wording of two of papers make it certainly seem like I could do ACH payments through my Wisely account. It also said I could do debit transfers as well, so if you can do debit, why not ACH as well? 

Well, I tried using Wisely to pay my credit card bill and it didn't go through. My credit card company gave me a XXXX $ bounced check fee. I asked Wisely to contact my credit card company to let them know what happened or reimburse me, to which they declined. 


I called Wisely and they said I needed to get an " upgrade '' for my card and said it was free. I asked why not just send all cards out with this upgrade? Never got a straight answer. 

The issue here is simple, the paperwork specifically lists " pay bills '' as being a part of the services of the prepaid card given to us. The lists of Fees also includes pay bills and it says there is no fee for using the card to pay bills. 

The fine print that also came with the prepaid card has a sub-section specifically for ACH transactions, and it says that Wisely can do ACH transactions for this account, no mention of an upgrade or anything like that. 

There's also a section for failure to complete transaction, and Wisely says it can be liable if they fail to complete a transaction provided there is sufficient funds. Yet, there doesn't seem to be a clear indication of how to go about acting upon that? Apparently, arbitration is the only method listed, for a XXXX $ fee!? 

Wisely sends out prepaid cards with online accounts that look and feel like bank accounts, complete with routing numbers and everything. But there are requirements they don't tell you about and when you contact their customer service, they give answers which seem to contradict what the paperwork says. The customer service rep I spoke with said that Wisely doesn't do ACH without an upgrade, but I didn't see anything about that in the ACH section.

There are other parts of the paperwork that mention a need for identify confirmation for other services but none of that mentions ACH transfers? And a plain reading of the paperwork very much gives the impression that the Wisely prepaid card can already do debit/ACH transactions online as-is. 

I asked the customer service rep why they do it this way, it's like they want people to fall into this trap. They didn't answer. 

Wisely sends out prepaid cards with vague wording and vague features, hiding behind dense legalese fine-print. Surely, it would be easier and better for everyone if they just came out with a list of all the features that are or are not included with the prepaid cards as-is?
Product: Checking or savings account

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 

Publishing this description will not affect how the CFPB handles your complaint.
Product: Checking or savings account

Every month an ach transfer for {$220.00} is being charged to my checking account by the management company. I want to stop the ach and pay by check. I sent the management company and my bank a letter revoking my authorization for the withdrawal. They both said it had nothing to do with them. Management said they don't request the charge and they no longer accept ach payments. I set up the ach many years ago and feel sure it was with the management company. However, I know that there have been changes. The bank says the payment order is coming over the web, but that is all they know. My only option was to place a stop payment on the charge. My bank handles a stop payment by withdrawing the {$220.00} from my account one day and returning it the next day. The association is treating this as a bounced check and charging me {$25.00} each month even though they receive my check. To date no one will help me find the source of this payment request. So, I am unable to rectify the situation.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an credit card account opened at XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX,, a collection account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.