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 ) : XXXX 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. 
XXXXXXXX XXXX XXXXXXXX XXXX ( 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. 

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

I have been sending in complaints and disputes letters for 6 months now and nothing has been done. Ive called and no one has done anything to get the fradulent items off my credit report. I did not work with these companies.
Product: Credit reporting or other personal consumer reports

Starting on XX/XX/2022, XXXX XXXX has done five unauthorized hard credit inquiries on me. I have contacted XXXX several times, and each time, they tell me they do not have a record of the credit inquiry, and thus, they can not help me. I then follow up with Experian, who tells me that I need to contact XXXX. 

I have frozen my credit score.

Besides that, I do not know how to stop XXXX XXXX from making these unauthorized, erroneous credit checks.
Product: Debt collection

there was an account fraudulently opened under my name with the company of West Virginia XXXX XXXX in XXXX XXXX west virginia. i live in the city of virginia XXXX, virginia and have lived here. i never have opened an account in the state of west virginia
Product: Credit card or prepaid card

My identity was stolen. I got a letter from XXXX. I have no knowledge of a capital one credit card account, XXXX XXXX  and XXXX XXXX  credit card
Product: Credit card

XXXX Bank of America Visa credit Card ending in XXXX was hacked by someone and used to purchase at merchant XXXX XXXX on XX/XX/XXXX for amount {$82.00}. I received an alert on my mobile phone about this transaction and notified the bank to block this transaction and issue me a replacement card. Bank of America despite my prompt communication request allowed this transaction to get posted and did not reverse or block this fraud transaction. I called up the credit card dispute department to speak on this issue multiple times on XX/XX/XXXX and the bank representative ( s ) hung up the phone and did not discuss to file a dispute and to resolve this fraud transaction. I request the agency to help take up this matter with the bank and investigate this charge and provide relief. Attaching the details of this fraudulent transaction charge. 

Transaction date : XX/XX/XXXX Card type : XXXX Transaction type : Purchases Merchant description : XXXX XXXX Reference number : XXXX Merchant Name : get more information about merchant name change XXXX XXXX Thank you, XXXX XXXX
Product: Mortgage

While working to get a repayment plan to bring the loan current or get a modification XXXX loans did not respond to request, sent letter that had expiration dates to offers for repayment plans weeks after they were due and failed to approve or deny a loan modification I requests twice. While working to prevent a foreclosure they continued to file documents to proceed with the foreclosure and falsified those documents stating they had no communication with me. 
They then sold the loan to Selene Finance who filed for a foreclosure auction on my property. After contacting them I asked to get a repayment plan and requested a modification. The next call to them the agent stated that the requests were never sent from the previous agent and they would check why. This agent stated that I could download the documents from their website and fax them to them. After talking with them today XX/XX/2016 I was not informed if there was repayment plan approved or denied. I was told that they would most likely not be able to process the modification because of the lack of time. I informed them of the previous forms submitted to XXXX loans and that there was a modification which was not approved or denied and was told they do not care what the previous company did. This is the third time I informed them that the process leading to this point was not carried out properly and all three times I was told by XXXX different agents that they do not care what XXXX Loans did. I believe that they are being negligent and purposely making the process difficult. They have no intention of following the law and despite me informing them of the issues they continue to proceed with the foreclosure.
Product: Mortgage

My mortgage is serviced by PNC Bank. I first contacted PNC Bank about my loan to value ( XXXX ) percentage in XX/XX/XXXX for removal of private mortgage insurance ( PMI ). At that time, my XXXX was 83.4 %. I contacted PNC Bank in XX/XX/XXXX to inquire about my current XXXX for removal of PMI. I was informed it was 76 % as of XX/XX/XXXX. Therefore, the private mortgage insurance ( pmi ) was not removed when my loan to value amount reached 78 % in XX/XX/XXXX. In XX/XX/XXXX, I requested a review of my case for refund of overpayments, since the PMI should had been removed when my XXXX reach 78 % per the Homeowners Protection Act. I was told that they did not monitor all accounts to determine when they reach 78 %. I was told they follow the amortization schedule and not the actual account. I have been denied a refund of overpayment of PMI. By law, it should have been removed at 78 %. My account has been in great standing. During XXXX and XXXX, I spoke to two individuals in the escalation department and was denied a refund. I am extremely frustrated that I have been paying for PMI that could have removed months ago based on the Homeowners Protection Act. During this time of nationwide crisis, I would think that PNC Bank would understand the importance of individuals being able to maintain their bills. I don't believe in throwing away money. Every dollar counts as we all try to deal with uncertain time. I made my mortgage a priority and I feel I should be treated as a priority.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity has been compromised with Equifax. They knew months ago and did not let us know.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Vehicle loan or lease

Capital one auto car loan is current and paid in full. But in the Credit Bureau it showing as delinquent. Please fix this asap Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : INQUIRIES : EQUIFAX : INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX XXXX : INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX ACCOUNT NAME : XXXXXXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT XXXX : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX INQUIRY ACCOUNT XXXX : XXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME XXXX XXXX XXXX DATE : XX/XX/XXXX These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wayfair. Account closed continued charges with them not providing justification.
Product: Checking or savings account

i went to the bank and told them that a guy had stole my idenity and hacked my XXXX XXXX  account and took funds out my account and they did nothing about it. I was told by an employee to get a police report and they would investigate and put the funds back in my account. At the time i was working in the oilfield away from home at weeks at a time. I came home to have a letter saying i owed them over {$1000.00} and my account was closed. This bank failed me in so many was also they reported this to XXXX XXXX   as if i caused the negative balance knowing i gave them all the proof.
Product: Credit reporting or other personal consumer reports

The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) a court order. d ) employment. I recently pulled a copy of my credit report and noticed inquires that I did not authorize and do not fit A, B, C, or D above. I also sent an FTC report 30 days ago. Remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

There were always escrow shortages and the monthly payment increased to cover the shortage.
Product: Checking or savings account

XX/XX/year> I received a personalized email from Ally Invest with a promotion to receive {$100.00} bonus for opening an investment account with a minimum deposit of {$100.00} and setting up a recurring transfer. 

XX/XX/year> I clicked on the link within the promotional email and followed the steps to open the investment account with {$100.00}. I also set up recurring transfers from my savings account at Ally Bank. 

Recurring transfers of {$50.00} each were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XX/XX/year> Phone call with XXXX at Ally Invest ( XXXX ) She assigned XXXX # XXXX and told me she would request a review which would take up to 14 days, then about 30 days later the {$100.00} should appear in my account. 

XX/XX/year> Phone call with XXXX at Ally Invest ( XXXX ). She stated that the case was still being reviewed. 

XX/XX/year> Phone call with XXXX XXXX at Ally Invest ( XXXX ). I emailed him the initial promotional email from Ally Invest dated XX/XX/year>. 

XX/XX/year> Email from XXXX XXXX at Ally Invest stating that I was not eligible for the promotion. 

I have read and re-read the initial email and can not find any disclosure statement that indicates any reason ( s ) for not being eligible for the offer.
Product: Mortgage

Hello, This is XXXX XXXX I wrote to you before about issues with XXXX XXXX XXXX. Case # XXXX. 
You passed me off to deal with XXXX. 

Let me first explain why I am writing to you. I have Multiple XXXX and have some rights through the Americans with Disabilities Act. Law firm XXXX XXXX says they are your lawyer and XXXX. 

The lawyer for XXXX XXXX kept emailing me and I informed him not to communicate with me by email because of my double vision and optic neuritis from my XXXX XXXX. I phoned the lawyer for XXXX XXXX and he refused to talk with me and hung up the phone. 
My rights to accommodate me were refused. I contacted the CEO of XXXX XXXX and have never head back. 

I also reached put to them as I wanted to visit there firm in XXXX and to organize access for me no response. 

First question do XXXX XXXX represent New York Mellon? 
Second I am not been told the truth by XXXX as they say they have never received any hardship application since XXXX. XXXX XXXX XXXX has said they sent our application to XXXX and XXXX was the one when denied us. 
XXXX XXXX XXXX 's lawyer says our account was charged off in XXXX and no additional charges were ever put on the account since that date. This is also untrue as our XX/XX/XXXX statement has a balance of {$120000.00} owned. 

I would like correspondence back from you as you owned our loan and XXXX we're just a servicer who could not be truthful. You only need to XXXX them to see all the negative remarks. 
I will be seeking advise as my rights have been violated.
Product: Vehicle loan or lease

My complaint is as follows : I have communicated with Ally Bank Corp./Ally Bank/Ally Financial Inc./Ally XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They acknowledged receipt on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as shown in the documents attached with this formal written complaint. I expressed concerns regarding security fraud, identity theft, UCC violations, and requested Proof of Debt. As previously outlined in my letters to both XXXX XXXXXXXX ( The Registered Agent of Ally Bank ), and the finance company, the issue of security fraud, identity theft, and potential XXXX violations remain unaddressed. If Ally Bank Corp./Ally Bank/Ally Financial Inc./Ally , can not provide Proof of Debt through indebtedness, the Wet Ink Promissory Note, demonstrating that they haven't capitalized from the Sale of the Instrument, I kindly request a refund of my previous payments plus interest, the balance of the Account ending in XXXX XXXX XXXX reflecting as paid in full, and the Title for the XXXX XXXX XXXX XXXX XXXX. Please reference relevant legal codes if necessary. 
I would also like to make the Consumer Finance Protection Bureau aware of the following : Since I began exercising my legal rights as a consumer, Ally Bank Corp./Ally Bank/Ally Financial Inc./Ally has retaliated against me by restricting my account and putting me under duress by rejecting my Tender of Payment. Since my account is on restriction, I am unable to make payments and I believe that they are putting me in a position where my vehicle will get repossessed. I have a XXXX daughter that I take XXXX XXXX  daily and to her XXXX  activities. To my knowledge, retaliation is illegal, unethical, and unfair business practices. Their actions have caused me to suffer great XXXX, stress, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. 

TransUnion : XXXX XXXX XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally had a loan for my purchase of my XXXX XXXX XXXX from a different finance company which eventually was changed over to XXXX. XXXX closed down here in XXXX my car had been repoed twice. I originally got it in XXXX the summer of possibly XXXX. I put {$2000.00} down. It was a {$10000.00} and some vehicle. A payment made to XXXX was never documented on their records which I do have a record of. However, I have to go back to my records and find I have a receipt from them but it was not on their printout and maybe that is why they thought I was behind. Anyway, how do I owe {$10000.00} when originally the loan was for a {$10000.00} vehicle and I had been paying since XXXX it was picked up I believe XX/XX/XXXX or XXXX? I asked Trans Union to look into and get original records they just told me they verified the information and it was accurate. Yeah if you are ripping off people it is. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and good day I had an disputed account removed from my credit report. From all three credit bureau back on XX/XX/2020. Later that year another company reported on the same account as that I still owned it. I have already contact all three credit bureau as well as the company that is reporting once again on the deleted account. Please refer to the attachments. The original account name was XXXX XXXX # XXXX, now Portfolio Recovery XXXX is reporting. I have reached out to them stating that the account has nothing to with me and that it has been delete off of my report. They once again are charging me for it. I have sent proof and notarized letters stated that it was delete from all three credit bureau as well as sent to Portfolio Recovery Associates. please help me out. I have reach out to XXXX, XXXX, XXXX  and Portfolio Recovery Associates. They are not wanting to help even with the proof that has been provided.Portfolio Recovery Associates have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Portfolio Recovery Associates have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Attached are the disputes results from all three credit bureaus that the account was remove and what they are doing is illegal
Product: Credit reporting

I wrote to Transunion in regards to an entry listed on my credit report which I have previously disputed and requested to have removed. After disputing the public record, I was told that the public record was accurate and verified and it is still listed on my credit report. I wrote to the XXXX Bankruptcy court and they wrote me back stating that they do not verify any bankruptcy information to have put on credit reports. If I have a bankruptcy, then it should be on record at the BANKRUPTCY COURT and nowhere else that may be untrue and CAN NOT BE VERIFIED.How did they verify that the bankruptcy public record on my credit report is accurate if the XXXX Bankruptcy Court stated that they do not report or verify to credit reporting agencies with any information relating to any bankruptcy cases? Attached is a copy of the letter I received back from the XXXX Bankruptcy Court supporting my position. I want this inaccurate and unverified bankruptcy public record removed from my credit report file immediately because the public record is INCORRECT, INACCURATE AND UNVERIFIABLE since it could NOT have been verified since there is no way to verify it.
Product: Credit card

My husband and I signed up for a Chase XXXX XXXX credit card in late XXXX XXXX when we signed up our bonus offer was XXXX points after spending {$3000.00} within the first three months. We completed the terms and spent upwards of {$8000.00} and the points never got credited. Today, I called chase who informed me the offer was for XXXX points. That was never disclosed or communicated to us during enrollment or thereafter.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Experian Credit Report and there is an address reporting on my credit report that is not mine. 
I would like to have the following address permanently deleted from my Experian Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma is suppose to help you with your credit, however they don't they tell me to sign up for loans and i don't get approved. Then my credit goes down for a hard inquiry and I don't get approved for anything after taking all my personal information.