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. ( 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 : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Notice to agent/principal, on XX/XX/2024, I called the Indiana courthouse asking if they report bankruptcies to the credit reporting agencies and if the information on my name is accurate. I was told They do not report any bankruptcies to anybody. In fact they told me the bankruptcy data is not always accurate. So if thats the case, How did the credit bureaus verify my bankruptcy as 100 % Accurate. If the court do not report to your agency, how did you retrieve my information. who gave you permission to do so. this information you have furnished on my consumer report is infact not accurate and does not belong to me nor in my report.You have violated my consumer rights in accordance to 15 U.S. Code 1681q - Obtaining information under false pretenses ; which states Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.You never did a fair investigation according to the 15 USC 1681. According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. your agency has caused defamation to my character and destroyed my consumer report with inaccurate and false stolen information which does not belong to me. I demand immediate correction and delete this inaccurate bankruptcy data on my consumer report. i will not hesitate to pursue legal actions and sue for all the damages you have caused me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am here once again filing a complaint against Experian for giving me the runaround. I have 2 items reporting on my credit report due to identity theft. I was told to file a police report and affidavit. I did so and called Experian and a representative said that they could no accept my police report because it is an " automated report '' and the officer didn't sign the police report. The police report was filled out XXXX XXXX XXXX XXXX, XXXX, AL XXXX, XXXX. Officer XXXX helped me file it and Sergeant XXXX reviewed and signed it. There is no reason to continue to give me hard time about this unless you are discriminating against me for some reason! Delete the 2 items XXXX XXXX and XXXX from my report. You already deleted an inquiry you discovered wasn't mine and you added a fraud alert. Delete the remaining 2 items as well. THIS IS NOT A DISPUTE REQUEST. DO NOT DISPUTE!
Product: Debt collection

I declared XXXX  XXXX bankruptcy in XX/XX/2021 and all my debts were discharged XX/XX/2021. It was determined that Firstmark ( who bought a private student loan from XXXX XXXX ) was discharged, because it is a private student loan that was not used for tuition. No credit counseling, entry or exit, was done prior to giving the loan, which is a violation of federal law. Also there is no instrument of original indebtedness and Firstmark could not provide evidence any contractual obligation to pay, that bears my name and signature. I repeatedly informed Firstmark that the debt was discharged and to please verify the debt, provide evidence of contractual obligation to pay, and proof of credit counseling. They threatened me stating they would report me to credit bureaus if I did not pay them {$50.00} minimum payment. I caved to their illegal activity to protect my credit and paid the {$50.00}. They proceeded to defame me with the credit bureaus, tanking my score by over 90 points. I contacted them to correct this and they refused.

Please help me resolve this situation. Firstmark is nightmarish and negatively impacting my quality of life.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I agreed to setup payment for my medical, but they still reported it to my credit even after the bill was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple attempts at correcting information held by Equifax about my financial account, they return the dispute within 24 hours telling me that all information is validated. They tell me to make a fraud report to the police, but I believe they simply have the wrong information on my file. 

I have attempted all the options they provide, and even called in to there call Center. With the online disputes, they reply very quickly- all information is correct, however with written disputes, i do not receive any response. When calling in, they claim they can not verify my information and as such can not help on the phone. 

I do not know how to correct the information, and they offer no assistance in completing this any other way. This is a form of bullying - I am at the mercy of these companies and the companies they list. 

I have just gotten off the phone to them again, where after using the cell link they sent to verify myself, they claim it wasnt possible according to their system, when they asked questions about accounts, specifically minimum payment amounts or other variable information, they also claim i was not successfully verified and then said to send identification- which they have on file already, having provided it to them for earlier attempts at correction of information.
Product: Mortgage

I have  applied to Wells Fargo  numerous times for a loan modification over the years. I have never received any assistance each application for assistance is met with a new reason why I do n't qualify. However, in a letter dated  XXXX   XXXX , 2017, from  Wells Fargo  bank which I received on  XXXX   XXXX , 2017, they are notifying me that my payment will increase by {$1000.00} beginning  XXXX   XXXX , 2017. There is no way I am able to keep my home with this increase, furthermore, I have less than 30 days to make these changes.   The Califo rnia Civil Code  states that I have to have at least 60 days notice to accommodate such a increase. C CC 1916. 6 1916.5 1916.8 and 9.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed a billing discrepancy. The late payment listed isn't consistent with my regular payment pattern.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was the bank I had when I had a card note for a XXXX XXXX XXXX. They stated on my credit report that I was 30 days late even though I made a payment for the car that month I dont have the exact date on hand but as soon as you send his report out, they will know exactly what youre referring to on my credit report that car is now paid full. When I called the credit bureau Trans Union they told me it was reported in XXXX that is affecting my credit score and I need that to be removed immediately, I was always on time and always made sure my bills were paid and proof is the car is paid in full.
Product: Credit card or prepaid card

I received a personalized letter from Chase to apply for a Chase Southwest Airlines card. 

The letter contained a personalized invitation code. And mentioned that I am pre-approved. 

Being an existing customer, I logged into Chase and confirmed that I was still pre-approved to apply. 

I applied and was rejected. 

The Chase representative over a phone call told me that I am not eligible for this card as I had more than 5 cards open in the past 24 months. 

If that's the case, why did Chase send me a personalized letter to apply for it? 

Now the unnecessary check is on my credit report.
Product: Checking or savings account

On XX/XX/2022 CapitalOne360 bank received a XXXX dollar deposit however several months before that I was told they no longer wanted to do business with me and my account would be closed. If that were true they should have never accepted the deposit. I contacted them and asked them to mail me a check and close the account it's been over a month with Sill no check and a different excuse everytime I call
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

Am a licensed Realtor representing a seller in Ohio who is in the process of a short sale withOcwen. I am having difficulty with their XXXX division however when I speak to someone in the US I get results. Have been given approval on short sale but needed extension on closing. Have rec 'd numerous emails from Ocwen asking for the same docs they already have. Every time I send the newly signed ( requested docs ) to XXXX I get messages that they ca n't read the attachments or faxes. Very frustrating to both my seller and the buyer. Is there anything you can do to help us? This is taking way too long and I do have extensive experience handling short sales so it 's not a failure on our part. 
Need compliance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have for a year been trying to have Transunion stop reporting inaccurate information on my credit file. I have showed them my tax transcripts, proof that an account ( XXXX XXXX Acct # XXXX ) could not possibly be mine. At the time of the opening ( 2016 ) of this account I did not have a job or proof of income nor did I file for taxes, so no bank would ever have given me any type of loan. Despite of showing proof that this account is inaccurate, I have requested them to show proof that they have the right to report this information 6 times which they have not provided at all. This is a continuing violation of my rights as a consumer and against the Fair Credit Reporting Act regulation. XXXX  has stopped reporting this inaccurate account. I have showed Transunion proof of this on my last dispute and still concluded that they will not be deleting this account.
Product: Credit reporting or other personal consumer reports

My Equifax account and credit report was affected by data breach I can not login to Equifax account to view report, I can not open new account because email is already associated with equifax account. I tried getting help from Equifax and they could not help me reset password or give me a explanation to why they could not get my account to work. I am a victim of a data breach please help my personal information was impacted by this incident. I have proof that shows I was affected from the date of breach
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched XXXX IRS FORM 1099-C CANCELLATION OF DEBT MC end XXXX XX/XX/XXXX. DEBT DISCHARGED XXXX see attatched XXXX Confirmation of Settlement XXXX XX/XX/XXXX CONFIRMS on XX/XX/XXXX SETTLED ** A YEAR LATER. THAN XXXX?? This debt is considered as " settled for less than full balance '' and was ( ** reported accordingly to the credit bureau agencies. ) XXXX HAS DESTROYED MY CREDIT FOR YEARS. XXXX COLLECTS ID REP XXXX DEMANDING PAYMENT MADE TODAY. This account shows sold on CRA Reports. It was Opened XXXX & shows a different account number on Equifax Report. 
This account is NOT OWED OR DELIQUENT!
Product: Mortgage

The original loan was with XXXX XXXX then XXXX XXXX XXXX purchased my load then sold it to XXXX then changed their name to Shellpoint. I have on many occasions asked that my loan be modified into a 30 year fixed they will not respond to my request. These loans were a horrible thing they did to consumers and I have tired many times in the XXXX years to get out of the ARM. My loan payment goes up every XXXX months the original amount was {$1200.00} a month has now increased to {$1400.00}. I can not continue this madness!!! I NEED HELP!!! I contacted my Congressman who suggested that I contact your company since my request have went unanswered.
Product: Credit reporting or other personal consumer reports

According to my XXXX report On XX/XX/XXXX there was a XXXX XXXX XXXXXXXX opened and listed on my report with a balance of {$500.00}. There was a XXXX  XXXX XXXX, XXXX  opened on XX/XX/XXXX with a {$0.00} balance. There was also another XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a {$0.00} balance on it. There was a XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$0.00}. Ive made several claims about these incorrect reports on my credit report and nothing has happened.
Product: Checking or savings account

I am filing this complaint against Bank of America about dispute/fraud claim number XXXX for a debit card purchase for {$2500.00} on business checking account XXXX The initial dispute for this claim was originally filed on XX/XX/XXXX, and closed on XX/XX/XXXX, not in my favor. 
Bank of Americas investigation team allowed me to believe the case was still open for weeks and subsequently learned that the investigation had been closed XXXX days later, even more troubling was I didnt even receive written correspondence, an email, or anything on the matter. 
The second dispute was initiated on XX/XX/XXXX, and closed on XX/XX/XXXX, also not in my favor. 
It was thoroughly documented that I was emphatic that this was not a charge I initiated or authorized and furthermore that I had absolutely, never ever done a transaction of this nature on my account. 
The only explanation that the Bank of America investigation team consistently gave was that I waited too long to report the claim ; however, ignoring their own policy and procedure ; which gives you a year to file a claim. 
Bank of America never takes these matters seriously unless they get legal or media attention, which is disturbing. There are countless consumers left with no resolution to serious issues because the leadership at Bank of America lacks care of any kind for customer service. 
A representative named XXXX called after my OCC complaint and said the bank takes these matters very seriously. Yet, he has not returned XXXX phone call or responded to any emails either!
Product: Bank account or service

I reported this issue before and Bank of America enterprise department denied my claim. I am sending this out again, with an official stamped police report regarding my claim. Within the month of XXXX 2014 my wallet was lost/stolen, someone used my card to access my bank and deposited a fraudulent check. Took money out and everything else and used up my account til flagged by bank of america. I was denied a few times when I put in for a dispute, and I am writing this again because I 've sent the bank an official police report that was submitted by the officer who took my report.
Product: Credit card or prepaid card

I have called multiple times and was treated poorly and was being told that my funds were not taken when I know how much money I had and my funds were in fact taken. The employees were hanging up on me and acting like they could not hear me. They did not provide me with proof of my funds not being taken and did not help me resolve the issue. I also escalated the issue twice with no resolution. I suspect that the company took my funds themselves due to the way this has been handled. Many transactions are missing from my statement and from my alerts and this is a problem.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX