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. XXXX 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. XXXXi ( a ) ( XXXX ) ) 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. 
XXXXFailure to Provide Investigation Results ( 15 U.S.C. XXXXi ( a ) ( XXXX ) ) Under the FCRA, you are required to notify me of the results of your investigation within XXXX  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. 
XXXX.Failure to Block Fraudulent Information ( 15 U.S.C. XXXX ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

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

Demand for Immediate Action I demand the following actions, without delay : XXXXConduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
XXXXProvide a comprehensive written explanation detailing your investigation process and results. 
XXXXPermanently 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. XXXX and XXXX. 

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 Bank XXXX XXXX XXXX XXXX XXXX,
Product: Credit card

Throughout the duration of this account, I've consistently made timely payments, preventing any instances of overdue payments. I find myself uncertain about the rationale behind the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, correction should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I notice unknown, suspicious accounts. Please remove these accounts that do that belong to me from my report. There has been a identity theft. 

XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXXXXXX   XXXX {$930.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : After MANY attempts to talk to a live person at Experian ( their XXXX number does NOT give an option to talk to a human ) I finally get XXXX in the " Titans ' group who takes my credit card number and promises to send me an expedited PIN number that will ship out on Monday, XX/XX/XXXX to arrive Tuesday, XX/XX/XXXX. 
It is now XX/XX/XXXX at XXXX and nothing has arrived, and nothing will. I checked my credit card and nothing was charged onXX/XX/XXXX-there should have been a {$20.00} charge for the expedited PIN shipment. 
Just now, on XX/XX/XXXX I have spent over 30 minutes trying numbers and searching the internet for a way to get in touch with an actual human at Experian, it is next to impossible. An automated line asks for your SS # and zip code then gives you limited options, NEVER does it offer a human. By a stroke of  luck I found another number : XXXX but had to press a " corporate '' button, and finally got a RUDE human who had to transfer me to the regular consumer number. This is absolutely ridiculous. XXXX, who I was finally connected with at Experian today, said that XXXX from the Titans group NEVER ordered my expedited PIN to be shipped to me. He promises that he has and it will go out tonight and I should have it by tomorrow morning. 
ALSO-the credit /freeze section of the website is a piece of XXXX and says that I am not allowed to retrieve my PIN, thus FORCING ME to pay {$20.00} for expedited shipping so I do not have to wait 10 days for the US Mail to bring it to me for XXXX cents. 

EXPERIAN IS THE WORST! THEY DO NOT CARE ABOUT CONSUMERS!!!
Product: Credit card or prepaid card

I received proof of a VISA credit card charge that was refunded to me by a XXXX merchant, XXXX XXXX XXXX XXXX, through their bank XXXX on X/XX/2017. The merchant claims that the money was returned and the funds withdrawn from their account. My credit card issuing bank, Wells Fargo, states that they never received the money. I tried to contact XXXX, but they tell me to contact Wells Fargo. The dollar amount that was charged was {$4600.00} and the proof of refund from the merchant through XXXX banks states the amount as XXXX XXXX. I have contacted the merchant, Wells Fargo and XXXX, but know one can tell me where my refund is.
Product: Credit reporting or other personal consumer reports

I am rejecting this response because : XXXX XXXX XXXX  recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, TransUnion has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted XXXX XXXX XXXX providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. XXXX XXXX XXXX  failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
XXXX XXXX XXXX continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that XXXX XXXX XXXX  adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX XXXX account was closed and is negatively impacting my credit report showing that I owe a balance. XXXX XXXX responded with a letter stating that because of an error on their end my Card Member Agreement was never sent to me and that they are sorry " something went wrong '' I have contacted them to dispute the account as I was never made aware of the terms and conditions of the credit account such as billing cycles, card spending limits, payment due dates, fees, or interest rates.
Product: Checking or savings account

Card was Lost so was Using XXXX XXXX for Transfers, Noticed a Charge for XXXX and Called to Stop. Was to Late and Made a Fraud Claim Instantly, I called Chase asking for Info and Provided Proof that I was Using a Mobile wallet Due to my Card Being Stolen and Proof that I had Money in Previously
Product: Vehicle loan or lease

My husband and I purchased a XXXX XXXX XXXX from XXXX of XXXX on XX/XX/XXXX. I contacted the Dealership to cancel the Tire and Wheel Warranty, completed and submitted the paperwork to the dealership on XX/XX/XXXX. Per XXXX XXXX the Finance Manager the paperwork was complete and was submitted to the vendor to process the cancellation. When I called the dealership to follow up, I kept getting the run around or no response to my messages. Once I was able to contact the vendor, I was told that cancellation of the warranty had been processed and funds were sent back to the dealership on XX/XX/XXXX. For the next few months, I made numerous calls and emails and at least 3 trips to the Dealership to try and get answers. I was told that the cancellation was processed but that it just hadn't appeared on my account yet. I reached out to XXXX XXXX, the sales person for assistance with trying to reach XXXX XXXX XXXX, the Finance Manager. All I got from XXXX was a bunch of excuses about the problems they were having with their change in ownership which now had become our problem. On XX/XX/XXXX, I received an email from XXXX XXXX see attached ) confirming the cancellation and that it should appear on my next statement. On my 3rd trip to the dealership in XX/XX/XXXX, I asked to speak to the Sales Manager. XXXX XXXX XXXX XXXX XXXX, the Sales Manager again offered a bunch of excuses and promised to follow up. I was told that they had received the funds from the vendor but didn't know where the money was. My last communication from XXXX was an email on XXXX XXXX again trying to demonstrate to me that the problem was with the accounting dept from the previous owner. And they were trying to figure out how to get the money back from the previous owner before they credited our account. Again not sure why their accounting issue was our problem. If was obvious that the statement from XXXX that the credit was going to appear on my next statement was a lie because they were trying to get the money from the previous owner. 
It has been almost 6 months and this issue has not been resolved. I have checked my XXXX acount numerous times and it still has not been credited for the cost I paid for the warranty or for the interest I have continued to pay on this warranty even though the warranty was cancelled on XX/XX/XXXX. I am beyond frustrated. I want the {$1800.00} for the warranty that I never used to be credited to my account along with the interest I have paid since XX/XX/XXXX.
Product: Checking or savings account

An attempt was made to open an account at Bank of America in XXXX of 2016. They filed a report regarding the account. It was a fraudulent attempt to open the account. They verified this to me via a letter with a claim number:XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has a collection on my report that the original creditors seems to be XXXX XXXXXXXX XXXX. This account I believe was recently deleted from my credit file and may have been sold to XXXX XXXX XXXXXXXX. Anyhow Ive never had a credit card with XXXX XXXX XXXX or XXXX XXXX XXXX. For Ive been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute was mailed certified on XX/XX/2019. This dispute was sent over to Transunion again because the account should not be in collections. I was able to send the dispute with a copy of the bill from the XXXX XXXX. The bill from the original creditor shows that the bill was not due until XX/XX/2019. XXXX XXXX  ( collector ) has been reporting this account as a collection BEFORE the bill was due. Transunion verified the account as accurate while other reporting agencies such as XXXX and XXXX were able to successfully DELETE the incorrect account within 30days attached is PROOF that the information on the account was not verified properly. Disputes as well as bill from original company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account reporting as open with a balance, has not been updated since XXXX of XXXX. The account was paid in full on XX/XX/XXXX and closed by the credit grantor. Although the creditor reported the change to Transunion they continued to report outdated information. I Disputed the accuracy of the account in XXXX of XXXX and it came back XX/XX/XXXX as verified and accurate. I contacted the creditor and they advised me that they received the dispute and provided Transunion with the updated account information, the XXXX balance and closed account status - however Transunion reported they verified the account as accurate and did not make any updates. This account is impacting my creditworthiness due to XXXX failure to update the report. Delete this account from my credit report for inaccuracy.
Product: Credit reporting or other personal consumer reports

I was advised by a XXXX and Equifax representative to fill out this report because of unauthorized inquiries on my report. Please remove all of these fraudulent unauthorized inquiries on my report. 

Please remove all of the fraudulent unauthorized inquiries from my report. Thank you for your help. This is hurting my credit and reporting false information for future creditors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act. Specifically Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXXXXXX XXXX AND XXXXwas 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 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 XXXX XXXX AND 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: Money transfer, virtual currency, or money service

Robinhood restricted my account for no reason and will not let me withdraw my money. I verified my account with selfie and identification. Then they made me do it again and asked for bank statement. I provided all of this. They have no way to call them and they are doing this to many people. I need help getting my money back please. They are using the excuse that I need to have a bank statement for my debit card in addition to my checking account. There is no such thing at my bank, which is XXXX XXXX The bank card is attached to the checking account and that is the only statement I can provide.
Product: Mortgage

Nationstar Mortgage added a Forced Place Insurance onto my account. I made my normal payment as usual while this was being researched. The payment was put into a " Suspense Account '' and I was forced to make an additional payment. After arguing with them for over 6 hours spanning 3 days and speaking to the Customer Service Dept., Escrow Dept., Insurance Dept., it still has n't been corrected. Now they are stating that I owe XXXX times the amount of my " new '' payment amount and nothing has been done accept that they returned my 2nd forced payment. Luckily I working iin Escrow as an Assistant and Officer and know what I 'm doing. I feel horrible for those who do n't know what they are doing and have to go through this. *Side Note. Nationstar Mortgage is settling a lawsuit for their Forced Place Insurance practices. It looks like they are up to it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX XXXX XXXX reported that my account was late. In XXXX and XX/XX/XXXX, XXXX XXXX reported that my account was late. This is inaccurate information due to the fact that I was never late in making a payment. I have contacted both the credit bureaus as well as the creditors, but to no avail.This incorrect reporting is negatively affecting my credit. Please remove this.
Product: Checking or savings account

XX/XX/23 deposited check from the XXXX  XXXX XXXX in the amount of {$4000.00} and was told funds available 24 hours later. The checked cleared on XX/XX/23 to Bank of America. As of XX/XX/23, BOA has placed a hold on the check to clear on XX/XX/23 with proof of the check provided to me from the XXXX  XXXX XXXX shown to XXXX XXXX, Manager, BOA at the XXXX XXXX, XXXX, CA. XXXX XXXX could not offer a logical explanation of why there is a hold on the check until XX/XX/23. 

Three visits to XXXX XXXX ; three visits to the XXXX  XXXX XXXX with no resolve. Both managers were getting paid ; the depositor, me, and attorney not getting with 3-4 of my time. Check deposited in my checking account immediately and a minimum of {$500.00} for time.
Product: Checking or savings account

I first initiated my XXXX withdrawal with my company on XX/XX/XXXX of XXXX dollars. I waited for over 3 weeks and saw no deposits into my account. I chose direct deposit option since I thought it would be faster. I called my retirement company and they said that the money had been deposited on the XX/XX/XXXX and had already been cleared. They advised me to go the bank and ask them about the deposit. I went to my Huntington bank and asked about it and they said that there was no deposit. I went to another bank and they said couldnt find anything although I told them the amount of the deposit and when it was deposited. They said if the account number or my name on the deposit didnt, that it wouldve been rejected. I called my retirement company again and they gave me a trace number and went over again the account number with me. Turns out that the last two digits on the account number werent correct. So I went into the bank with this info and they finally found where my deposit went. My money went into another bank account. They said that they were going to transfer my funds from the other account into mine. A few days past and they called me and said that the person with the other account that my money went into had already spent pretty much all of my money and that they couldnt get me my money back. I was really frustrated and upset that they would allow the deposit that had my name on it go into another persons account. The bank told me that there was no name on the deposit and only had an account number and routing number. I called my retirement company and asked why there wasnt a name on my deposit. They said that there was a name and all the info needed for it to go into my account. Next day i went into the bank and gave them the info that the retirement gave me and they said there was a name on the deposit but that they only check the routing number and account number that they dont check names. Makes no sense to me why wouldnt they check the name on the deposit and allow it to go into another account. There should be more security and more people being more thorough with handling money. Shouldnt be just anyone handling those deposits. I just lost XXXX dollars due to these negligence. I really want my money back from the bank and fix this mistake that they caused.