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 : Cushman v. TransUnion Corp. ( 1997 ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data.

Dennis v. BEH-1, LLC ( 2002 ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am refinancing a mortgage loan that is serviced by Wells Fargo and they are charging {$400.00} in " Pay-off '' Fees. I have asked ( 3 times ) for a specific breakdown of the fees and they have not provided anything more then : " These are the standard fees. 
Payoff Processing Fee {$250.00} and Lien Release Fee {$150.00} '' The fees incurred should not be more then {$110.00} or {$170.00} ( the County Reconveyance Fee for example is only {$92.00} and a pay-off statement fee normally runs anywhere from $ 5-60 ) In the email they also said there is a UCC Termination fee, which I do not believe applies to this kind of mortgage however the UCC Termination fee with the State of Calif is only {$20.00}. 
{$110.00} or {$170.00} =92+20+ ( 5 or 60 )
Product: Credit card or prepaid card

XX/XX/2018, {$4.00}, I complaint to the bank about fees and want the money back, but the US bank keep finding excusing on charging fees.
Product: Checking or savings account

I deposited a {$50.00} bill in the Bank of America atm machine at XXXX XXXX XXXX and it got stuck in the machine. The next day they shut down my account, stopped my check from being deposited into my account and made my life XXXX. I cant open up no new accounts anywhere and theyre trying to daily I did fraud. Never in my life have a done fraud. It was nothing I could do with the cash getting stuck in the machine. I spoke to several representatives that stated they seen me on camera deposit the money and it got stuck so it was not my fault. Life has been hard since all of this took place.
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 XXXX XXXX : # XXXX, Account XXXX XXXX  : XXXX, Account XXXX XXXX  : # XXXX has violated my rights. 

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: Money transfer, virtual currency, or money service

I initiated a bank transfer from XXXX to Venmo on XX/XX/XXXX, the website said the transaction would take 1-3 business days which by all calculations at the latest would be the XXXX, after I had submitted the request the language changed to say the funds would be available to send or spend by the XXXX. Low and behold the XXXX is here now after several attempts to use the money they have changed their information again to now tell me my funds wont be available until XXXX  XX/XX/XXXX or even XXXX XX/XX/XXXX at the latest! I have missed work, I am now at work and have no gas to get home my phone and internet have both been shut off and now my electric bill is in question. If this does not warrant a lawsuit then I question the whole system to fraudulence including this complaint process!
Product: Checking or savings account

I have an account with XXXX XXXX  by Synchrony Bank from where I did a loan with them through XXXX  for an XXXX  treatment plan. My dentist instructed me to cease using the plan therefore resulting in a refund to be issued by Synchrony Bank per XXXX. The amount of the refund is {$260.00}. The bank mailed a check for the refund in XXXX without verifying the address on file with me therefore resulting in a stop payment being issued. I then gave them the corrected address and they mailed out another check in XXXX which never got to me. I called and complained again at the end of XXXX and they still have yet to mail me out another check for my refund. They refuse to give me any tracking number to monitor the checks transit. They stated they only use USPS and refuse to overnight it via another carrier. This has been going on since XX/XX/2024. I have still yet to receive my refund and they are offering no solution other than to keep mailing checks and hoping it gets to me vie USPS with no way to track it.
Product: Student loan

I received a student loan through XXXX. My Loan was sent to a collection agency.After my Federal Taxes had been offsetted. To pay back the student loan. The collection agency is Navient.My account was opened by Navient and reported to all XXXX credit bureaus.It is well over the 7 years expiration period. I have contacted all XXXX credit bureaus.XXXX, XXXX, and XXXX.I contacted Navient to demand that they remove this inaccurate account record from all XXXX of the reporting credit bureaus.XXXX, XXXX, and XXXX. Sending them documentation of my offset.It has yet to be taken off. I contacted XXXX who informed I would have to wait till XX/XX/XXXX.Due to an update from Navient in XX/XX/XXXX.This is ludacris, and furthermore is hindering my family.From receiving adequate housing, schooling, and employment.Creditors are denying me left, and right for this ( 1 ) inaccurate collections.Please! Help me attain what I deserve.A fair chance to renew my credit. I have paid my debt, and would just like this account removed from all XXXX credit reporting agencies.
Product: Credit reporting or other personal consumer reports

ASK FOR INFORMATION ABOUT SAID DET THEY SAY THEY COULD NOT FIND SAID DET INFORMATION AT THET TIME
Product: Mortgage

XXXX Loancare Account # : XXXX. Conventional 15 year mortgage. Received letter advising of {$120.00} Esrow shortage XX/XX/XXXX. Mailed check to cover XX/XX/XXXX. 
Morgage payment sent electroncally by usual bank XXXX XXXX XXXX XXXX for {$1300.00} noted as recieved and cashed by bank XX/XX/XXXX. 

Issue : Morgage holder denied receipt of payment. Sent add'l confirmation to mortgage holder and recieved email confirmation they received the payment in XX/XX/XXXX. 

XX/XX/XXXX Advised by credit agency that my credit score dropped 60 points in XX/XX/XXXX when they were notifed by mortgage holder that I was over 30 days delinquent in payment. Per telephone call to mortgage holder XX/XX/XXXX they would not correct credit report until add'l transmittal information recieved from my bank. 

Besides ruining by credit, this has also stopped my refinancing process
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNVFUNDG ( XXXX XXXX XXXX XXXX ) XXXX Balance {$97.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Experian and XXXX made it very clear this a fraud account
Product: Vehicle loan or lease

I purchased a car in XX/XX/XXXXand refinanced with another company ( Santander ) in XX/XX/XXXX. The company added XXXX on top of the loan, didn't give me a copy of the paperwork and once I paid that off most of my monthly payments go towards fees for the company and not the car. I owed roughly 12,900 and only about 1,000 per year has gone towards paying off the car. I have now had the car 6 years, 5 years with the new company and still owe XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several student loans with XXXX XXXX exceeding {$150000.00} balance overall. I have an income based repayment plan that doesnt even cover the accrued interest each month, so my balance increases. Each time my balance increases, my credit score plummets even though my payments are made on time and my account is in good standing. The parties in this issue are XXXX, Equifax, and XXXX XXXX XXXX. I cant have my score continue to plummet for no reason other than increased student loan balance.
Product: Credit card or prepaid card

On Sat, XX/XX/XXXX  at   XXXX   XXXX  ,   XXXX   XXXX    wrote:
Dear   XXXX   XXXX  ,

Once more I need to contact you re the abusive policies at Synchrony Bank.  Regarding my   XXXX   account Nr. ending  XXXX  and   XXXX   Account ending   XXXX  .  

I hav NOT made any purchases for several months in an effort to bring down my balance on these accounts.  Several times I see that you have charged me with late charges in spite of the fact that I have made regular payments more that the minimum required like clockwork!!!!!

What the heck is your justification for these fees?  It is because of YOUR fees that my account has go over limit!  Not due to my over indulgent spending.!!!  

You will personally see to it that all these fees are removed from these accounts by close of business on XX/XX/XXXX  and send me a personal confirmation that this has been completed.  If I don't hear back from you by then I will initiate a class action against Synchrony bank for abusive practices regarding interest rates and punitive fees to customers.  I know that there are a myriad of complaints regarding your bank and also several other class actions that you have had to pay regarding harassing phone calls to customers.  You need to implement fair and realistic policies regarding revolving accounts at the corporate level or face the consequences of a constant barrage of complaints and bad PR to your company.  I have had it with abusive bankers who are making obscene profits on the backs of working and retired people.  I will be draft a legislative bill to send to my Senators and Representative in both the Federal and State levels to deal with the abuses of the financial corporations.

The choice is yours.......do the right and moral thing here and restore my accounts by removing all extra fees other than interest and you will adjust the interest rate to 12%.  Then recalculate the actual amount owed.  Anything more than 1% per month is abusive.

-- 
Best Regards,

 XX/XX/XXXX   XX/XX/XXXX  This letter will be posted to FaceBook on a special page to garner support to fight back against abusive banks.
Product: Checking or savings account

I am a victim of identity theft. I have supporting documents to support my claims that I am a victim of fraud. Navy Federal closed my account for no reason and I validated my claims with police report to support reasons things happened with my account. A lot of these happened Because I am a victim of identity theft in addition to domestic violence.

Every time I reach out to Navy Federal security they tell me they can not help me and it doesnt matter if I am a victim of ID theft I can never have access to my navy federal account again.
Product: Debt collection

Dear Consumer Financial Protection Bureau I am writing to formally report a violation of the Fair Debt Collection Practices Act ( FDCPA ) by Accelerated Collection Service. I believe the collection agency has engaged in the following unfair practices : misrepresentation, failure to provide verification of the debt. 

These actions are in direct violation of the FDCPA, which protects consumers from abusive debt collection practices. I have taken steps to resolve this issue with the agency directly, but they have failed to respond appropriately I kindly request that the CFPB investigate this matter and take appropriate action against Accelerated Collection Service for their unlawful practices. If necessary, I am willing to provide any further information or documentation to assist in your investigation I am requesting the following 1. A comprehensive breakdown of the principal amount, interest charges, and any additional fees that have been applied to my account.

2. A copy of the purchasing agreement or contract that substantiates my responsibility for this debt.

3. Any documentation that confirms the legitimacy of the charges and the entitlement of Accelerated Collection Service to collect this debt Additionally, according to the Truth in Lending Act ( TILA ), I am entitled to clear and accurate information regarding the terms of the credit extended to me, including all fees and the total cost of credit.

Please provide the requested information within 30 days of receiving this letter. Failure to provide this documentation may result in my further actions to dispute this debt and report this matter to the appropriate regulatory authorities Thank you for your attention to this matter. I look forward to your prompt response
Product: Debt collection

Midland Funding LLC is negatively reporting to the three major credit bureaus collection information about me. Midland Funding LLC was sent a Notarized Cease & Desist from me that they are not my original creditor and that I do not wish to work with them. I had  also sent them a validation of debt letter which was ignored. I want the negative reporting they are reporting to XXXX, XXXX, and XXXX  removed as they are damaging my credit profile.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXXL Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I disputed two unauthorized credit inquiries made by XXXX XXXX  on my credit report dated XX/XX/XXXX and XX/XX/XXXX. I never authorized XXXX XXXX  to pull my credit file on these dates. 

On XX/XX/XXXX, I contacted XXXX XXXX  to seek clarification and they confirmed that they have no record of any account associated with my name, nor any authorization from me to access my credit information. 

Despite my previous communication, Equifax has failed to conduct a proper investigation into this matter, which is a violation of the Fair Credit Reporting Act ( FCRA ) that mandates credit reporting agencies to ensure the accuracy of the information on credit profiles.
Product: Mortgage

Projected County Tax Due : Current year - {$5400.00} Prior Year - {$6000.00} On at least two occasions ( XXXX XXXX ; XXXX XXXX ), I spoke to Money Source and indicated to them that the estimated county taxes for the account were incorrect. The county had reduced the estimated taxes based on my homestead exemption. This exemption was not available to me at closing because I had not owned/lived in the property for a whole year. The adjustment to the county taxes after the first year of ownership is not unusual, because of the change in ownership. Money Source based their estimation on the prior years taxes ; on the ownership/residency status of the prior owner. I provided Money Source with an estimated tax bill from my county appraisal district. Money Source called my countys appraisal district prior to XXXX XXXX and the county confirmed that the estimate taxes had been adjusted based on my homestead exemption. On XXXX XXXX, I again spoke to Money Source and requested the adjustment in the estimated taxes. While on the phone with Money Source, we visited my county appraisal districts website and confirmed the reduction in the estimated taxes. Money Source said that they could not reduce the escrow payment to reflect the reduced county taxes. <P/>Underestimating the Escrow Account Balance : In correlation with overestimating the county taxes on the escrow account, Money Source is underestimating the projected escrow balance. Together, this in turn produces a shortage that is high and artificial. Since the establishment of the escrow account, I have paid {$10000.00} into the account. Out of this amount, {$7900.00} was paid for taxes and insurance, leaving a balance of {$2100.00}. By Money Sources own account, the balance in the escrow account is {$2300.00}. To supposedly meet projected payments, Money Source raised the escrow payment from {$510.00} to {$760.00} for XXXX thru XXXX, 2017. On XXXX XXXX, it is projected to be raised to {$840.00}. This represents a 63 % rise in the monthly escrow, even though the account has never had a zero balance. The only shortage has been in the cushion. The new escrow rate of {$840.00} will aggregate to {$10000.00} over a twelve-month period. This represents an overage of {$1500.00} over that time period. The account should only accrue {$8500.00} ( {$5400.00} for taxes ; {$1900.00} for insurance ; {$1200.00} for escrow cushion ) over a 12-month period.
Product: Credit reporting, credit repair services, or other personal consumer reports

All Principle and Interest payments are {$940.00}. They reported the following $ ND XXXX XXXX {$1500.00} XXXX XXXX {$990.00} XXXX XXXX {$1100.00} XXXX XXXX Not reported XXXX XXXX Not reported XXXX XXXX {$1500.00} XXXX XXXX {$5300.00} XXXX XXXX Not reported XXXX XXXX Not reported XXXX XXXX Not reported XXXX XXXX Not reported XXXX XXXX Not reported XXXX XXXX {$2800.00} XXXX XXXX {$1200.00} XXXX XXXX Not reported XXXX XXXX {$1200.00} XXXX XXXX Check Cleared XX/XX/XXXX for XXXX, reported late XXXX XXXX, XXXX for XXXX, reported late XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reportedXX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX, for XXXX reported late XX/XX/XXXX for XXXX reported late XXXX XXXX, XXXX for XXXX reported late XX/XX/XXXX for XXXX reported late XX/XX/XXXX for XXXX, reported late XX/XX/XXXX for XXXX not reported It is obvious the record is totally incorrect. I have submitted paper copies of checks with amortization schedules and uploaded an XXXX spread sheet. They deny even though I 've provided evidence from the bank.
Product: Debt collection

I participated in the XXXX XXXX XXXX XXXX by leasing a XXXX XXXX back in XXXX. The XXXX XXXX XXXX  was then sold to XXXX in XXXX and I returned the leased vehicle to XXXX  in XXXX of XXXX. I never received any notifications from XXXX  regarding any outstanding amounts that were owed on the lease. More than 2 years after I returned the vehicle, the portfolio was again sold to Rock Creek Capital , LLC. Rock Creek apparently decided that I still owed {$400.00} on the lease ; however, I never received any correspondence from them regarding this amount. The balance was then apparently forwarded to XXXX XXXX XXXX XXXX. Again, I never received any phone calls or correspondence from XXXX  regarding the " amount owed '' and then I received a negative mark on my credit report due to this balance. I would like this negative remark removed from my credit report. I never received any emails from them either ( I confirmed they had a correct email ). I contacted XXXX  to remove the negative mark and they refused because they claimed they had attempted to contact me. However, they had outdated address information due to the lease portfolio being from nearly 3 years ago. I even have a friend still living at my old address who confirmed they never sent me any notices. They had my SSN so I am 100 % confident XXXX  could've obtained my correct address and contact information if any effort was put into that at all. This is a predatory company working with another predatory company. I would like to request again, through this complaint, that the negative mark be removed from my credit report.