23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : 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. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

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

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

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

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On Tuesday, XX/XX/2019, at XXXX PM I contacted Ford Credit customer service in regards to a hardship I am having with paying for my vehicle. Financially, I am unable to make the payments set at the current rate, and asked Ford Credit for options to manage this loss. The first representative offered a resolve to possibly re-write the contract for a longer term, with a lower monthly payment to which we agreed I could afford. After running the process, I was denied a contract re-write for the reasoning that I am not far along enough into the contract to grant a longer term with lower payments. After stating that I have no other options, the representative offered alternative solutions that were not helpful. 1. I could find a friend or family member to take the contract. 2. I can pay a sum of {$5000.00} to lower the loan balance, then I could possibly be granted a re-write. Or 3. I can work with the dealership that originally sold me the car to get into a different vehicle with lower monthly payments. All three of these options are not possible as I have already expressed them, and sought help from Ford Credit as a last resort. When I stated that I considered the possibility of bankruptcy, and asked if I would still be pursued for this debt after doing so, the representative stated that I or the co-signer would still be pursued for the debt. I then requested to speak with a manager to see if they could help come to a resolution with the problem. The manager stated the same options as the initial representative, and had no solution. I then asked to speak with their manager. I was placed on hold for more than 10 minutes, during which I had to leave the call, as it had been 1 hour and 2 minutes into the call, and I had to care for a family member. After being on the phone for that long, it is frustrating to not receive any sort of helpful resolution from the financial institution while still getting a survey asking about how my experience went.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report separate 4 fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX opened at XXXX XXXX on XX/XX/XXXX CREDITCARDS opened at XXXX on XX/XX/XXXXXXXX XXXX opened at XXXX  XXXX XXXX {$0.00} on XX/XX/XXXX XXXX  opened at XXXX XXXX {$180.00} on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capitol One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has technical issues and vendors issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Checking or savings account

Chime let XXXX charge my account for XXXX And I did not approve this transaction which is now causing me to be late on my phone bill they refused to help me figure out on a recorded line my phone calls are recorded and hung up on me
Product: Mortgage

I am shopping around in an attempt to refinance my home and use some of my available equity for home improvements. The closing cost on my refinance were quoted at over {$17000.00}!!! I thought that this was an excessive amount and way to diminish the equity I'd worked so hard to build. This reduced the amount I would be able to borrow and with the increase on interest rates made it impossible for me to afford to refinance at this time. I have a son who graduates from high school next year and was also looking to borrow money to send him to college. I don't think that it's fair for me to have worked this hard all my life to see my wealth sliding through my fingertips with excessive pricing, fees, and rising cost on everything except wages. This is one of the main reasons I can't I'm good conscience vote for the Biden administration again this election season
Product: Checking or savings account

I keep losing all the information I put down so this is just me saying what happened. As of XXXX XXXX, XXXX on them before date of XXXX XXXX, XXXX I was placed in a mental health facility. The direction of the length of time being spent was n't given to me by overall stay there over three weeks and a half. During the time of my stay my personal checking and personal savings was liquidated far before I got out my credit cards are maxed and basically accounts were closed before I even got out. With that being said I got out of the facility and during the day and there was never informed that and then Vic should notice was placed on my door with notice to leave. With me being in the facility all my personal items were thrown away from my house or apartment XXXX XXXX Virginia XXXX, XXXX, CA XXXX. With all my valuables been thrown away materialistic items gone. There is also three of my vehicles that basically could n't be moved. They got labeled as a banded waist and put out have a XXXX for an impound. Now When leaving the facility in receiving this information that everything of mine was thrown away and cars and pounded basically I walked from my house to my personal bank Bank of America off of XXXX XXXX Less than a mile away not having any form of ID so security social card or birth certificate as well as EIN XXXX the personal banker that I had actually open my accounts up with that help me out to try to figure the situation he then presented to me that both of my accounts were liquidated around 9100 and  something dollars and then my credit was maxed out the total of 2700 and something I really do n't know what to say more I 've tried and continue to do so but the definition of insanity been to repeat the same process and expect a different outcome is starting to dwell on my shoulders thinking I might be insane.
Product: Credit card or prepaid card

XXXX XXXX XXXX aquired Cabelas, including the Cabelas Club Visa account holders. This involved a handoff of accounts which they fumbled badly. 

I received my Cabelas Club Visa statement and mailed payment in a timely manner to the address on the payment slip ( XXXX, NE ). The payment was due XX/XX/XXXX and I mailed it XX/XX/XXXX. Generally payments mailed from my address in XXXX XXXX Missouri are credited in 3 to 5  days, but to this date ( XX/XX/XXXX ) the payment has not been credited and the check has not been cashed. 

I have called repeatedly and begged them to cash my payment and credit my account. Each time I get a different story about why they haven't done so and what they will do. 

This whole fiasco begs for a class action lawsuit against the banks that were supposed to handle the transfer. I know I'm not the only person who had a Cabelas Club Visa that was being transferred over to Capital One for the XXXX XXXX takeover.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. The items I'm disputing are erroneous and fraudulent. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the XXXX items : XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX AV, XXXX, CA, XXXX XXXX XXXX XXXX Balance XXXX {$930.00} XXXX XXXX XXXX Balance XXXX {$900.00} XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXXXXXX balance : - XXXX XXXX BANK XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$220.00}
Product: Mortgage

New Rez started servicing my loan ast of XX/XX/XXXX, They did not cash my XXXX check when I called to find out why I was put on a phone tree and told I would get a call back, no call- I signed in online and wrote a message no response, I am also trying to pause my mortgage because of Covid19 have filled out the online form no response now for alone 2 weeks. No way to contact this company or get any response seems like they are shady and avoiding their customers. Number does not work online gives no response!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for their failure to comply with my rights as outlined under the Fair Credit Reporting Act ( FCRA ) Section 605C, which provides protections to survivors of XXXX XXXX. I am a survivor and victim of XXXX XXXX, and TransUnion has failed to appropriately address adverse information in my credit report that is a result of the circumstances of my XXXX  experience. FCRA Section 605C specifically mandates that credit reporting agencies must block adverse items of information in a credit report when the information is a result of human XXXX  or related situations. Despite my attempts to inform TransUnion of my status and the relevant legal protections, they have not taken the necessary actions to remove the harmful information from my credit report. This failure to act is a clear violation of my rights under federal law. As per the FCRA, credit reporting agencies are required to respond within four business days after receiving proper documentation from a survivor. I have submitted documentation in accordance with the requirements of Section 605C, but TransUnion has not fulfilled its legal obligation to block or remove the adverse information. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that TransUnion is held accountable for violating my rights as a XXXX  survivor. The agencys refusal to act is causing undue harm to my financial wellbeing and is exacerbating the XXXX  I have already endured. Enclosed, please find copies of all relevant documentation, including communications with TransUnion and evidence of my status as a victim and survivor of XXXX XXXX.
Product: Debt collection

I sent out the 1st complaint electronically to XXXX/XXXX XXXX on XX/XX/XXXX asking to verify the " alleged '' account # XXXX in the amount of {$830.00}. I was never contacted, however my credit report had a mark from them which was not dated since the last activity showing was in XX/XX/XXXX saying " charged off as bad debt, purchased by another lender ''. I then realized there is a collection account showing as Cavalry Portfolio, on my credit reports for the same amount and account number, so this " alleged '' account that XXXX/XXXX XXXX   is reporting as derogatory on my credit report and number of 3 times. I then send a certified letter on XX/XX/XXXX and it was delivered and signed for on XX/XX/XXXX, asking both XXXX/XXXX XXXX  & Cavalry Portfolio to verify evidence of signature showing the " alleged '' account was reported accurately. I also asked them to provide me with all names, addresses, and phone numbers of each person 's verifying the " alleged '' account. I then receive a letter dated XX/XX/XXXX from both parties simply stating that the account is verified and they have both reported accurate information to all three bureaus?!! HOWEVER, they never sent me evidence of my signature which by FCRA they have too, and the never sent me the person 's verifying this " alleged '' account! They did not even say they marked my reports as disputed! I want these " alleged '' accounts/charge-off 's deleted from both of their files, and all three credit bureaus immediately. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX
Product: Mortgage

I got behind on my mortgage over two years after my ex-wife and I decided to split. I experienced a significant loss of income when we separated which is why I fell behind. Our divorce has been ongoing for the past two years and was just finalized last Thursday on XX/XX/21. I am now just trying to rid myself of the financial pit that I am now in. I know that I do not make enough to keep the house and do a loan modification so I am trying to get the mortgage company to settle. I have a buyer that has made an offer, which I submitted to Rocket Mortgage but I have not received formal confirmation that they will agree to stop the foreclosure auction and review the offer. I really want to avoid the house from foreclosing because my credit has plummeted due to the debt from my divorce so I can not afford to take another credit hit. I won't be able to buy or rent if that happens. I need some help in reaching a manager or someone that can help provide confirmation that the offer will be reviewed so that I can have the time needed to get this short sale done.
Product: Mortgage

My mortgage servicer has ignored repeated requests for a mortgage loan payoff. These requests have come from the settlement agent, an attorney who handled a discharged bankruptcy and myself, the borrower. This process has been ongoing for 2 weeks and each time the servicer denies that they have been contacted by anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft. I now have been studying my credit reports from the various agencies ( Experian, XXXX, etc ) and one came up on my Experian report that needs to be removed. I no longer have, nor have ever had an account with them and it shows it to be open on my report. 

XXXX Acct # XXXX Date opened XX/XX/2014 Monthly payment {$25.00} I attempted to send them a letter with no avail. They aren't able to be reached by phone. This is a fraudulent account and they most likely need to go to jail
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card

I recently submitted a dispute on my credit card for a car rental. I had taken a rental car but after driving for 2 days, I wanted to add my husband as an additional driver. I called the company and they told me to do that I had to go back to the office and add him. We did that and then asked if we could add the toll pass for one day also and were told yes. My estimated charges reflected the changes yet after we turned in the car I was emailed a receipt that charged me from day one of the rental for the changes I made day XXXX. I called and they wouldnt fix it so I disputed the amount of the extra charge. My credit card company, Chase called me while I was on vacation so I attempted to call the lady back but she would n't return my calls over the next four hours so I called back in and asked for customer service and they said the call was to ask additional information. I was afraid they were calling because I was traveling and using the charge card. Later the next week I finally heard from the lady and she asked a few questions about the receipts I sent in. She said she was having a computer issue and could n't see the receipts but would let me know if there was a problem. She also said they had already just sent out a letter asking for information but since we talked do n't worry about it. I let it go for a while then got another letter so I called her again. For two days I did n't get a return call so I called and asked for a supervisor. I was told the dispute was closed as I did n't follow up. I told her that was inaccurate and that I wanted it reopened. I was told I had to fax in a letter which I did but have not heard anything further. I was so angry that they denied this claim as it was blatant misuse of my credit card and this was the second time they have done it. I had another dispute a couple of years ago that the provisions in the credit card should have covered me for as it promised protections for purchases on the internet and it did n't cover it like it should have then either and that XXXX cost me over {$400.00}. I am not sure of who is overseeing the credit card companies card protections but if they promise to protect why are they not made to be responsible for that.
Product: Credit card or prepaid card

In XX/XX/XXXX I contacted Capital One to accept a payment plan and settlement amount. I also asked for Capital One to remove my husband XXXX XXXX from the account as an authorized user, I informed them we are trying to purchase a home and this debt needed to be removed from his name and credit report. Over the phone Capital One informed me it would take 30 days. Every month I checked the debt was showing on his credit report and it was negative impact for us. I called again in XX/XX/XXXX, they said they would file another and it would take another 30 days, it was out of their hands as they do not have access to the department that handles this request. I called today XX/XX/XXXX and was told the closing date would be XX/XX/XXXX and if it wasn't done then to call back start the process over again, I said how does that 30 day work if its just continuous until the end of time? This has negatively impacted our rate for a house and I need it corrected immediately. 

If possible I would also like for capital one to update the balance from XXXX to the actual settlement of XXXX or reflect the amount that its reduced by the XXXX I have made towards the XXXX payment
Product: Credit reporting or other personal consumer reports

I'm victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX, XXXX XXXX FLORIDA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, LAXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, LAXXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX Balance {$22000.00} XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX
Product: Debt collection

Aargon Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This agency continues to try to collect a debt from me and continues to put a debt on my credit report after being provided details that my account was included in my chapter XXXX bankruptcy. 

My account is an old account with XXXX XXXX - account # XXXX. I again still dispute the information in my file. I have called and provided copies of my Chapter XXXX bankruptcy information several times to this company. As you will see this account has been disputed from my account several times as I keep providing details of the inaccuracies of this debt. It is unacceptable that this company continues to place this on my credit after being notified that this was included in bankruptcy. 

This item is listed as a collection and this is inaccurate because it was included in my Chapter XXXX discharge. I am requesting that the item be removed from m credit report. 

I have the copies of my chapter XXXX discharge from XXXX which supports my position. Please reinvestigate this matter and delete the disputed item as soon as possible.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. 
Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX, XXXX. XXXX
Product: Credit reporting

This reporting credit agency is falsifying information pertaining to Federal Tax Lien on my credit report causing unrealistic mail by other accounting agencies, and lawyers concerning themselves with tax lien on file with the IRS which is not true at all according to documents enclosed. I spoke to an agent from the credit report agency regarding this matter nothing was resolved as a result I did not pursue the dispute with Equifax.