23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3600.00} XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$380.00}. 

XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$2400.00}. 

XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. 

XXXX Credit Card with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$2300.00}. 

XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 

XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX Partially secured with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXXXXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
and a balance of {$0.00}. 

XXXX XXXX Partially secured with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX Installment sales contract with account # XXXX opened on XX/XX/XXXX and a balance of {$110.00}. 

XXXX XXXX Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$430.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Checking or savings account

Capitol one has not deposited by direct deposit of {$1300.00} into my account on XX/XX/year>, as expected. The bank states they have a global outage which started on Tuesday, XX/XX/year>. Every time you call customer service, they have no answers as to when the issue will be resolved. I also have a ( refund ) of {$130.00} from XXXX XXXX due to be deposited into my account as well. As a result of not having my funds available, I am incurring fees ( return payment ) from other debtors which is tarnishing my payment history. I have little funds for gas to get to work, or food. I looking to be reimbursed for all fees and hardship endured as a result of this outage which is no fault of my own.
Product: Debt collection

On XX/XX/XXXX I submitted my application for a loan modification to Ditech. I was told that within 30 days I would receive a response from Ditech with a decision by mail. I waited and waited. I called Ditech each week and spoke frequently to XXXX XXXX in the loss mitigation department. He assured me that my file was complete and the underwriters were still reviewing my application. I had waited 102 days to receive an answer from Ditech on my loan modification application. I grew increasingly frustrated and my local bank recommended that I file a complaint against Ditech. It wasnt until I filed a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX, that I heard from Ditech regarding my loan modification application decision. They sent me XXXX letters that were date marked on the letters XX/XX/XXXX but ironically not received by me via United States Postal Service until XX/XX/XXXX. In the letters ( both marked with the same date ) the first indicated that my file for loan modification was indeed complete and to expect a decision within 30 days. In the second letter, it indicated that I was not eligible for a loan modification. 

I strongly feel that my denial of a loan modification was the result of retaliation after I filed my complaint with the Consumer Financial Protection Bureau. Furthermore, my reason for requesting a loan modification was due to divorce between my husband and I. I have negotiated a settlement with him that will allow me to keep the home and resume making on-time mortgage payments in the previous amount owed each month. I am requesting that Ditech add the outstanding payments to the end of my loan or spread the amount overdue over the course of several months to allow me to become current again. Finally, the value of my home as established by Ditech ( AVM ) was found to be {$220000.00} when in fact, I have an appraisal for {$350000.00}. This creates nearly {$120000.00} in equity that can be used to help me re-establish my loan through Ditech rather than pursue foreclosure, short sale, or deed in lieu of foreclosure. 

It is my intention to keep my home and I am willing to do anything to make that happen. 

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

I did not authorize XXXX XXXX to review my credit report. I have a extend fraud alert on my credit reports. XXXX XXXX did not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and XXXX  reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my report.
Product: Credit card

Someone tried to open a credit card in my name. I received a few emails from Capital One about a credit card application. I an email today ( XX/XX/2023 ) that stated that my application was declined. I never submitted an application yet I had XXXX credit inquiry showing up on XXXX Credit Report. I called Capital One and reported it as a fraudulent application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have an account on experian called : XXXX XXXX XXXX which is a collection company that is marking on my credit report as a collection, this is affecting my credit score negatively, I have no knowledge of this account, and when i first made a dispute on this account, I believe experian gave that company my address which now they are sending me spam mail to my residence, telling me that i have to pay them. That is not ok, I want this solved as soon as possible. This is only with experian that is happening, with the other 2 credit bureaus which is XXXX and XXXX, that account does not show up on my credit report, now the only way that i see that this can get fixed, is for experian to stop sharing my information with them and for experian to ask them to verify my Social security to see if it matches there records, without disclosing any of my personal information. Thank you and hopefully this gets resolved soon.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 


Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 
XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information contained in my consumer report prepared by your organization in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain " reasonable procedures to assure maximum possible accuracy '' in their reports. This obligation is underscored in XXXX v. ChexSystems ( 2019 ), which confirmed that failure to follow such procedures can result in material harm to consumers. 

This information is not only inaccurate but has caused significant harm, including denial of access to financial services and reputational damage. These issues echo those recognized in XXXX, where the failure to resolve reporting inaccuracies constituted negligence under the FCRA. 

I request the following actions be taken immediately : Co

nduct a thorough investigation into the disputed information and provide evidence supporting its accuracy or remove it permanently from my file.

Provide a detailed summary of your investigation results within the FCRA-mandated timeline of 30 days.

Additionally, I invoke my rights under 15 U.S.C. 1681c ( g ) and demand that all communication regarding this matter be conducted in writing. As emphasized in the FCRA, the term " medium '' includes all forms of communicationwhether verbal, digital, or writtenrelated to my consumer file. This encompasses both the information reported to third parties and any correspondence initiated by ChexSystems. 

Further, I explicitly require ChexSystems to cease and desist from : Reporting disputed and inaccurate information to third parties, including creditors and financial institutions.

Communicating with me via any medium except written correspondence.

Failure to comply with this request may constitute a willful violation of the FCRA and other applicable laws, as suggested in XXXX and other relevant cases. Should these inaccuracies remain unresolved, or if my cease-and-desist request is ignored, I will explore all legal remedies available to protect my rights, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action. 

Please confirm receipt of this letter in writing and provide a case reference number for my dispute. I expect a prompt resolution and full compliance with federal law. 

Sincerely, [ XXXX ] All Rights Reserved Without Prejudice
Product: Debt collection

Debt allegedly occurred, XX/XX/2015. I have never been to this facility. My identity was compromised in XX/XX/2015. I have taken all necessary steps to dispute this and other debts with their original creditors. I.C. System refuses to cancel the debt/cease contacting me. I.C. System has added charges to the original debt citing " additional charges being incurred ''. I.C. System practices unlawful tactics. I.C. System has been advised that I do not owe this debt. I.C. System has been advised that this debt is invalid. I.C. System, their agents, and affiliates have been advised not to contact me anymore regarding this debt via telephone, e-mail, mail, or any other method.
Product: Credit card

I received a mailer from Chase notifying me that I was invited to receive a Chase credit card ; the language on the mailer said " complete your certificate '', " mail your invitation '', " request your card today ''. Nowhere on the mailer did the words " apply '' or " application '' appear, so I was led to believe that the card was mine, and all I had to do was request it. When I did so, Chase checked my credit report and denied me the card! 

Chase went out of their way to hide that this was, in the end, a credit card application, rather than some kind of automatic, pre-approved offer. **This is clearly a case a misleading/deceptive advertising. ** If I 'm being asked to apply for a card, the word " apply '' should appear somewhere on the letter! 

When I spoke to them over the phone, they insisted that this was an " invitation to apply '', even though the word " apply '' appeared nowhere on the letter I received! If I had known that *denial* was even a possibility, I would n't have responded to the letter - it 's not worth the negative hit on my credit score. 

I am happy to send the CFPB a copy of the letter I received from Chase.
Product: Debt collection

I entered into an agreement with XXXX XXXX and there was an error between myself and my creditor XXXX XXXX. They initially forwarded the account to Recovery One , LLC. 

I have since spoken with a manager at XXXX XXXX, XXXX, and spoke to her regarding the account. XXXX accepted the full payment of {$600.00} on XX/XX/2021 to resolve the account, withdrew it from the 3rd party agency, Recovery One , LLC and INSTRUCTED THEM TO DELETE the reporting from my credit reports. 

Instead the company updated the credit report to read, 'paid ' as if I had agreed to any contract with them and paid on THEIR contract. 

I called repeatedly to resolve this issue with their supervisor, XXXX XXXX, with no return call. I've called a few times and spoke with a woman named XXXX, who eventually stopped answering my calls and simply starting forwarding the calls to voicemail. I finally spoke with a woman who calls herself Mrs. XXXX, who suggested I 'give it a whirl ' when I informed her that the account was updated rather than deleted and I needed to speak XXXX XXXX XXXX Recovery 's resistance to correct their reporting. 

XXXX, the manager of XXXX XXXX called Recovery One LLC again on XX/XX/2021 to instruct them that the account was withdrawn and should be deleted with no response from their company. I resorted to beginning with this initial complaint to ensue a paper trail prior to further action
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that XXXX are reporting inaccurate and incomplete credit information. 

Disputes filed : XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am distressed that XXXX have included the information below in my credit profile and that XXXX has failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.
Product: Checking or savings account

XXXX XX/XX/XXXX, I mailed a Wells Fargo check for {$34000.00} to the Tax Assessor 's office in XXXX XXXX to pay property tax for nine properties I own. The check was intercepted in the mail and was washed changing the payee 's name. I noticed that this check was cashed but another check was not that was mailed in the same envelope. On or about XX/XX/XXXX, I received a call from XXXX XXXX saying that someone was cashing this check. I told them not to cash it under any circumstances. Somehow the check was cashed anyway. I then contacted Wells Fargo and reported the fraud. They said I would have to file a fraud claim and they will send me the Affidavit of check fraud. After a month, the form never arrived even after 2 more requests. On XX/XX/XXXX I when into my local branch and completed the form. I was told that the matter would be resolved within 10 days. After 10 days I called to inquire about the claim. Over the next 2 weeks, I spoke to 4 different people each one with higher authority than the other, and received no update or help on resolving this matter. Each person I was referred to knew another about my claim or had anything in their system about my claim. Also, the said is that we are doing the best we can do, we have turned this matter over to XXXX and declined any provisional credit. The last person I spoke with referred me to their executive office and they would get back to me. A few days later on XX/XX/XXXX, I received a message that they need 10 days for a response t my complaint. On XX/XX/XXXX, I receive another message saying that they needed another 10 days to respond to my complaint. On XX/XX/XXXX, I received a message that they were closing my claim because of insufficient information and that they have not been able to contact me. I never receive a call from Wells Fargo. After several attempts, I was able to speak with the person assigned to my claim on Thursday, XX/XX/XXXX. He research the matter and spoke with management in the Executive office and promised me that they would escalate my complaint and contact me by phone. I have yet to receive a phone call. The check I wrote was for property taxes and Wells Fargo 's lack of attention to this matter is causing me financial hardship. To prevent fines and late fees I had to take out a loan to pay the property taxes. My concern is that WF is not engaged in resolving this matter. I have been put off and put off and may have to solicit legal assistance. They will not give me any information about XXXX or the branch when the check was cashed. I have filed a police report. My case number is # XXXX. I am seeking provisional credit and this case is expedited.
Product: Money transfer, virtual currency, or money service

PNC Bank is preventing a direct connection to XXXX ( prepaid Visa ) to be able to reload funds from my checking account onto the card for Visa purchases. I do not have a debit card from PNC, therefore the only method is connecting to my bank to use the XXXX  card and now I have to wait 4 days for money to be transferred manually.
Product: Debt collection

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act Section609 ( A ), you are required by federal law to verify through a physical verification of the original signed consumer contract, any and all accounts that you post on a credit report otherwise anyone paying for your reporting services could fax email or mail a fraudulent account. 

Your failure to positive verify these accounts has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the amount listed below. 

I demand that the following accounts be verified or removed immediately.
Product: Checking or savings account

On XX/XX/XXXX I sent my boyfriend ( XXXX XXXX ) {$170.00} via XXXX. That same week Wells Fargo had multiple system issues and it really didn't effect me. I had a deposit that took a while to show and that was it. Well on Sunday XX/XX/XXXX I woke up to my account being Negative because Wells Fargo system showed I did another transfer through XXXX  to my boyfriend for the same amount {$170.00}. I called him and told him NOT to touch the funds when he got them. He advised he never did. So the system duplicated my transaction. 

I called Wells Fargo and I put in a claim to get it resolved. claim # XXXX. By that Wednesday seems the system fixed itself and the funds were back correctly and had not been sent again. I assumed the claim rep would see that and close the claim. 

Well on XX/XX/XXXX I noticed they put a temporary amount of {$170.00} in my account to cover the issue. I called THAT day to advise the bank the issue had resolved itself and they could take the {$170.00} back from my account that they gave me. I ask that they please close the claim as it was no longer needed. 

Well by Wednesday XX/XX/XXXX my boyfriend wakes up to his account being Negative {$170.00}. Saying that I had a claim and the funds were being refunded to me. TO this day his account is still negative and I have yet to get the XXXX.. 

However, My issue is that I called the bank advised them they processed the claim incorrectly. That I NEVER asked for the funds to be returned. MY CLAIM was put in for the duplicate transaction that NEVER took place. XXXX XXXX is telling me it could be 90 days yet the XXXX says its been refunding me the money since last week. Wells Fargo wont fix their mistake and it has now caused my boyfriend NUMEROUS dollars in fees with his bank. I've done my due diligence and I just want the funds put back in his account and any fees he's incurred to be reimbursed. XXXX  only communicates via email and that is so horrible. Ill NEVER EVER use the service again but I need someone to please help me. My boyfriend had XXXX in XXXX and is not working. He cant afford these fees and If not resolved IM OUT OF {$170.00} due to a system issue. 
Had they refunded last Friday as the app said I would've just sent it back to him. PLEASE PLEASE HELP ME GET THIS RESOLVED!!!!!!!!!!
Product: Prepaid card

I contacted Amex as to why my gift card was denied on XX/XX/2024, and they told me the XXXX charges of XXXX cents ( XXXX, XXXX, and XXXX ) were to verify the card, and that it would be reimbursed. The following day, XX/XX/2024 I went to check the balance and found XXXX fraudulent charges that was not done by me. I immediately contacted Amex customer support and reported the fraudulent charges. The XXXX charges, XXXX of XXXX XXXX XXXX, XXXX FL for {$260.00}, and the second, XXXX XXXX NC, for {$230.00} are the XXXX fraud charges. I reported it and was told that they will close the account, and send me a new gift card with the reimbursed amount. Today, XX/XX/2024, I receive an email stating that they denied my dispute because they contacted the merchants and said it was authorized. I reported the fraud charges, I do not live in NC or FL, I am in NY, I reported it immediately on XX/XX/2024. I provided the exact charges, the description, and amounts, and they denied it. They prevented me from using my card previously, then allowed XXXX unauthorized charges even though they said they will pause the account to allow the previous {$.00} cents to be reimbursed, but they allow fraud charges and say nothing we can do? The case number is XXXX. Customer support provided no explanation as to why it was denied, just said it was investigated and the case is closed. It was then elevated to the XXXX who said the same thing. They said a different department was the one who investigated and found nothing wrong. I requested to speak to that department but was only allowed to speak to a XXXX, who the stopped talking after my request to speak to the department who denied the fraud.