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
Product: Mortgage

My home was purportedly sold on XX/XX/2020. I appealled my eviction and also filed a federal lawsuit. My indigent status after eviction made it hard ro pursue lawsuit. I have a 1098 and letters from XXXX and XXXX firm claiming to have excess money from the sale of my home in my Shellpoint acct # XXXX but substitute trustee sale was done under my XXXX acct. # XXXX. Also Title is still in my name through XXXX title company. My home has been abandoned by new owner and has been severely damaged to the point the city of XXXX XXXX intervened and demolitioned one of my structures. Lien placed in my name. Also there is a number of complaints on my home.
Product: Debt collection

In XXXX I reached out to XXXX XXXX about this debt. The company talked me into setting up payment, however I didnt realize Im a part of the litigation with Santander USA ( original debtor ). 

https : XXXX
Product: Mortgage

We filed bankruptcy in XX/XX/XXXX. We continued to pay our mortgage to Wells Fargo. Prior to our filing bankruptcy Well Fargo reported to the credit bureaus properly about our payment status. After the bankruptcy was filed Wells Fargo stooped reporting that we making our mortgage payment and instead sent us a letter every month saying they received our mortgage payment. 

We ask Wells Fargo why this was happening and they told us it was because we did not reaffirm our mortgage. We contacted the credit bureaus and were told that this was between Wells Fargo and us, not their problem. 

We contacted our bankruptcy lawyer and were told that the state of North Carolina does not allow reaffirmation of a mortgage. We conveyed this information to Wells Fargo. 

In XX/XX/XXXX we approached Wells Fargo about a loan modification and after 18 months of haggling and run around we received a loan modification. Even after the loan modification Wells Fargo still would not report to the credit bureaus that we were making our payments on time, they kept sending us a monthly statement saying they received the payment. 

In XXXX plus years of home ownership we never missed a mortgage payment until we asked for a loan modification and were told by Wells Fargo because we were making our payments that they would not grant us a modification. We were told by Wells Fargo during a phone call that we would have to miss payments before they would talk to us about a modification. Wells Fargo denies we were ever told this by one of their employees, both my wife and I are willing to take a polygraph to back up our claim and or testify to this in court.
Product: Vehicle loan or lease

Review the companys response to your complaint.

The company has responded to your complaint. Log in to the Bureaus secure website to review the companys response online. You can also review the companys response by phone with someone. 

Thank you for participating in our complaint process. This complaint is now closed. 

COMPLAINT ID * THIS COMPLAINT NEEDED INCLUDE MORE INFORMATION!!! THE XXXX XXXX VEHICLE ALSO WENT THROUGH A MAJOR ACCIDENT IN XXXX, XXXX. I SPENT BETWEEN $ XXXX {$7000.00} ON REPAIRS, ( INCLUDING STRAIGHTENING A BENT FRAME ), AND THERE WAS A LAW THAT STATES THAT LEASE COMPANIES CAN NOT SUE FOR THE FULL AMOUNT IF THERE'S A MAJOR ACCIDENT!!!! 
XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPTEDNELNET XXXX This is the payment remarks. As you can see, it started late 90 days right away without prior late remarks. 

XXXXunkown OK OK OK OK 90 days late 120 days late unknown unknown unknown unknown unknown OK OK OK unknown unknown unknown OK OK OK OK OK 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  OK OK OK OK 90 days late 120 days late unknown unknown unknown unknown unknown OK OK OK unknown unknown unknown OK OK OK OK OK 90 days late 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: Debt collection

Since XXXX, 2022 I have sent to RESURGENT CAPITAL SVCS LP, a request to validate account # XXXX and show me proof of ownership. They have failed all this time to send the required documentation to show me that this account is mine. As per the DFCPA, RESURGENT CAPITAL SVCS LP must show that this acct is mine showing any existing contract or application signed by me with my social security number.
Product: Checking or savings account

Good day Ally Bank and CFPB, Ever since XX/XX/ it appears I have been block by Ally Bank allowing me to access the website. I have tried even after today to access the webpage of my account. It appears to me that the people that work for ally from home could be doing something unfair. I called on XX/XX/ to get my password changed. I was transferred two times and referred four, including audimatted transferred calls. I was and am give the same password that does not seem to work for me. It is the temporary password that encompasses the first letter of my last name, the last 4 digits of my SSN and three exclamation marks. This is too easy for a bank to give as a temporary and verbally as password. Other banks send you link that has a filling for the new password. These Ally people either want you to get password verbally from sneaky working at home banking staff who know it as they tell you the temporary password or the send me atleast a link that needs a password to get to the password assist page. Someone's running a scam that has staff knowing what customers are using to acres their accounts. You should not have to have a bank person working from home tell you a private temporary password. Or maybe they give minorities the same passwrd and others a different one each time. The staff could access the page before you. Its a joke to minority 's and veterans. I need good two step private access to my Ally acount and password change without bank personnel knowing it before me.
Product: Mortgage

I wanted a pay-off quote for my mortgage loan with Freedom Mortgage ( Loan # - XXXX ). So I went to their website and logged into my account to see if I can get it online. In their FAQs section they mentioned the process as below. 
-- -- -- -- -- -- -- How do I request the payoff amount for my loan? 
You XXXX contact our Customer Care department at ( XXXX ) XXXX to request your payoff amount. Freedom Mortgage Customer CarXXXX representatives are available to assist you Monday through Friday from XXXX XXXX and Saturday from XXXX XXXX Eastern Time. You may also send a request to XXXXXXXXXXXX or mail to Freedom Mortgage, XXXX. XXXX XXXX, XXXX, IN XXXX. 
Please be advised, we are not able to send a payoff quote to a third party without the borrower 's authorization. Please ensure the authorization is provided at the time of the request. 
-- -- -- -- -- -- -- So I sent an email request on XXXX to the email address mentioned above. There was no mention of any fee for this payoff quote request in their website. 

Since I did not get response, I called the Customer Service number provided above on XXXX and asked for Pay-off quote. The agent said they are working on it and I will get in couple of days. There was no mention of any fees for this payoff quote request during our conversation. They can check the call recording. 

On XXXX I received the payoff quote by email and in that email also there was no mention of any fee that would be charged for requesting payoff quote. 

On XXXX when I checked my Freedom Mortgage online account in the website, I see that there was a {$30.00} fee that was charged towards this payoff quote request. 

This is extremely unfair to charge me a fee when there was no indication on the website or I was told about this when I spoke with the agent on XXXX. 

I called Customer service on XXXX and they said they can not revert back the fee. Why should I pay a fee that I was not told or disclosed to me earlier? I feel deceived by Freedom mortgage charging fees without my knowledge and they told me it was because of XXXX XXXX charging Freedom mortgage. So how will I know what other third parties charge to Freedom and then I have to take the hit on this? There is no transparency and this is cheating borrowers. 

I would like CFPB to look into this compliant and have Freedom mortgage revert back the {$30.00} fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$2200.00} Consider this request as a follow-up to make sure the listed accounts are fixed
Product: Debt collection

Calls are answered and hung up, and requested to be taken off of call list multiple times
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report from XXXX was updated with several inaccurate late payment entries for my Capital One account, spanning from XXXX to XXXX. Previously, these entries were marked as " Unknown '' or " XXXX. '' These updates have drastically lowered my XXXX XXXX by XXXX points. I have multiple sources of proof that this reporting is incorrect. According to the FCRA, the burden of proof is on Capital One to validate and provide indisputable verification of these late payments. I request an immediate correction or removal of these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter out in XX/XX/XXXX to all credit bureaus to remove an account on my credit report that was in violation of FCRA ( DOLA ) Date of Last Activity violation by re-aging an account, The account is reporting inaccurate and different dates to re-age the account. XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Equifax shows XX/XX/XXXX. 
This affects the account date it falls off my credit report, This is a violation. The account was update by XXXX  from a Repossession to a Charge-Off on XX/XX/XXXX. There is no collection account attached to this account on my credit report.
Product: Credit card

I got an email from Discover Card that said my credit line increased to XXXX ( from I beleive XXXX ), but it also stipulated that my account would canceled if I did n't use the card by XXXX 2016 ... just three months from the email date ... because I have n't used the card for a few months and it has a XXXX balance. So they do they something to improve my credit by increasing the limit and then threaten to cancel that credit if I do n't use it. That 's a form of extortion. I saved the email and can send it to you.
Product: Checking or savings account

On XX/XX/23 i deposited through drive through a {$2100.00} loan check ( drawn on this bank ) to my checking XXXX because they do not have deposit slips and gave my drivers license with the check as instructed when account was opened to identify which acct. 
I then swiped my card for emer dental work and it was declined because of nsf. I called the bank and got the call center who after 30 minutes informed me that it had been deposited to wrong acct. I asked them to please fix it so that I could have my dental work done, they said they could not. I went to the branch and asked for the Manager who came out and was going to discuss my issue in the middle of lobby. He showed me to an office after my request.

I then explained my delimma and asked that he fix it. he replied he could not it would take me filing a dispute and 7-10 days. I would not file a dispute because it is my understanding that a dispute is for a fraudelent claim. Afterwards he said he could help me by putting a memo post to my account to release {$200.00} of the XXXX and that the remainder should be in my account by morning. He made the memo post which i saw immediately but disappeard befor XXXX and when straight back to wrong acct.went to XXXX XXXX acct # XXXX who is my husband I have not lived for in 7 years. I do however take care of all his financial and medical business. So I transferred the money to my account on the XXXX. So now it reflects on his account that the transfer for {$2100.00} to my account was successful. But it was not a transfer it was a bank error and that is how it should reflect not like I made an illegal transfer he did not authorize. I want it corrected and I want that branch doing things right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is denying me of my rights as a consumer!! 15 U.S. Code 1681c2- Block of information resulting from identity theft clearly says that the information required for a consumer reporting agency to block and delete information reporting on a consumer file. ( A ) Block- a consume reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft ; not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer- PROVIDED ; ( 2 ) a copy of an identity theft report-PROVIDED ; ( 3 ) the identification of such information by consumer-PROVIDED ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer-PROVIDED. It is clear that Equifax does not comply with federal law. Who gave Equifax the right to deny me as the consumer of my federally protected rights? I have provided everything necessary for this block of information. I have attached all documents. I also did not give Equifax my permission to place an extended fraud alert on my consumer file allegedly on my behalf.
Product: Credit reporting or other personal consumer reports

I Am filling a complaint regarding inaccurate items on my credit report that includes, inaccurate spelling of my name, inaccurate and outdated addresses and inaccurate employers that are negatively impacting my credit. Despite my many efforts to resolve this directly with the reporting agency, it remains unresolved resulting in inaccuracies reporting on my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint.
Product: Checking or savings account

Hello- I am receiving debt collections call from an account that Citizen 's Bank closed. I had NEVER previously used the account. But monthly fees accrued and then the account was closed and sent to a debt collection agency for {$73.00}. This negative balance or amount owed I'm assuming was for monthly fees on the account. Because I have NEVER used the account. I would appreciate if Citizens Bank would not report credit negative comments and send my information to a debt collector who I now feel like is harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies failed to response to my complaint within the 30 days timeframe. Also, they have violated my consumer rights under the FDCPA act. They were given a timeframe to resolve this solution but they didn't. I have given them several verbal authorizations and have filed this numerous times.
Product: Debt collection

I been disputing items on my credit report that does not belong to me and the items where removed and replaced with other in accurate debt that does not belong to me. Equifax keep addressing me as XXXX XXXX XXXX and I don't have a initial with XXXX in my name. My name is XXXX XXXX.
Product: Credit card

On XX/XX/year>, my XXXX  company issued a direct deposit transaction of {$550.00} to CashApp via XXXXXXXX XXXX. When I filled out the direct deposit information with my XXXX company, I gave the wrong account number yet did use the right routing number. My XXXX company issued a reversal of the transaction once the error was discovered, however, CashApp aka XXXXXXXX XXXX  has refused to return the errant funds. I have contacted CashApp support via chat and phone, they only give me a case number and say my financial institute needs to issue a reversal of the transaction. When I tell them thar the XXXX  company has, the.support team get defensive, say no transaction exists and then disconnect communication. I have a copy of the trace number and the transaction failure from CashApp saying they can't locate the account thus can't return the funds. I need the company to release the funds back to my payroll company so I am not forced to pay it out of pocket.
Product: Checking or savings account

On XX/XX/XXXX of this year my XXXX was acting funny. Slow, freezing skipping screens, etc. I called XXXX XXXX to find out if they could help or perhaps do an update to my phone. There were no updates available and suggested my phone possibly has been hacked. They recommended changing my XXXX ID password, which I did so promptly. 
I then looked at my online banking app and discovered all my money was now missing except for XXXX cents. I then called my bank ( Wells Fargo ) and notified them that there has been a possible hack on my XXXX and my banking app shows my account emptied. I asked if this could be a banking error. Wells Fargo informed me that they will close my account and will be checking into the issue. I never heard back from Wells Fargo at all. Within the next day I discovered my XXXX XXXX card had also been hacked. Multiple gift cards were purchased fraudulently. Unlike Wells Fargo, XXXX XXXX was a great help in this matter and successfully removed all fraudulent charges I. 
Approximately four days later I called Wells Fargo because I still had not heard back from them. They informed me nothing has been done about this and my account still remains with only XXXX cents in it. Approximately two days later I still has not heard back from Wells Fargo so again I called to find out what, if anything had been done. After being transferred 8 times that day I was finally informed still nothing had been done to my account. I explained I have been patiently waiting on my funds to be refunded to my account and to receive my new debit card in the mail. I was informed me there was not even an order for a new debit card to be sent to me. This made me very upset to say the least. A week later I finally received my new debit card. But still no returned funds in my account. To do this day Wells Fargo is doing nothing to protect my account or refund monies that they permitted someone to steal from my banking account on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to experian, transunion, and XXXX multiple times regarding a fraud alert placed on my credit file. XXXX has complied and removed the fraud alert. 

XXXX and Transunion does not want to comply and remove the fraud alert form my credit file. There are phone numbers within the credit freeze that do not belong to me. I have never used the phone numbers the credit bureaus have under my name. I would like for these fraud alerts to be removed from my credit file immediately. I have tried getting credit under my name and have been denied due to this fraud alert. This is unethical as i have never asked to have a fraud alert on my credit file
Product: Mortgage

I had deferred 10 mortgage payments during the pandemic. I was told then, multiple times by the bank that my deferred loan payments would be due at the maturity date of my loan which isXXXX 
I have paid my mortgage on XX/XX/2023 because Ive been paying extra cash/ month except for that deferred payment during the pandemic which amounts to {$20000.00}. 
The bank is telling now that I need to pay that entire amount now rather than the maturity date of the loan. Just because I paid the loan early. I find that very unfair and misleading.