23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

[ Consumer Financial Protection Bureau ] Subject : Formal Complaint Pursuant to 15 USC 1681 I am writing to file a formal complaint regarding potential violations of the Fair Credit Reporting Act ( 15 USC 1681 ) by XXXX XXXX XXXX. I believe that my rights under the Act have been violated due to 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. 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. 1681sXXXX2 ( 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. 
As Per the Federal Credit Reporting Act as a federally protected consumer, in accordance with 15 USC 6802 I am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX XXXX XXXX XXXX, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX XXXX XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXXXXXX XXXX  that my nonpublic personal information was going to be shared to non affiliated third parties such as XXXX and I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every thirty ( 30 ) days which XXXX XXXX XXXX never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. 

I have attached supporting documentation, including copies of relevant credit reports and correspondence with the company, detailing the inaccuracies and discrepancies in my credit report. I have made multiple attempts to resolve this matter directly with XXXX XXXX XXXX but have not received a satisfactory resolution. 

Under the provisions of the Fair Credit Reporting Act, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in my credit report and ensure that XXXX XXXX XXXX complies with all relevant provisions of the Act. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please feel free to contact me if you require any further information. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few incorrect addresses I would like removed from my credit report. i have not stayed at the addresses listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I have contacted this credit reporting agency multiple times to make them aware of the errors in my consumer report. Unfortunately, this credit reporting agency believes that I don't have shared knowledge and the ability to construct a dispute letter to remove errors from my consumer report utilizing my consumer rights. This is a true smack in the face to the average consumer attempting to better their financial situation. I have attached the letter that I received from this credit reporting agency, stating that they will not process my request unless it comes directly from me. WELL, XXXX, THIS IS ME. I am not a credit repair company. I am representing myself on my behalf. I am a natural person wanting the errors of my consumer report removed based on my rights as a consumer. At this point, I feel my rights as a consumer per the U.S.C.Title 15 Annotated Commerce and Trade XXXX don't mean anything if the credit reporting agency does not adhere to the law. CFPB, I NEED YOUR HELP TO HOLD THIS CREDIT REPORTING AGENCY ACCOUNTABLE. As I have stated in multiple complaints, there are errors in my consumer reports. I have found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correctly. I disputed this in the past on XXXX, and the letter is attached to this complaint. Additionally, as of XXXX per the issue date of the letter. The credit reporting agency stated in a letter via mail that they received my request that included my information, but it didnt appear that I, or a third party didnt properly authorize the information that was sent to them. The credit reporting agency assumes that I am a credit repair company as stated before I am not. I'm going, to be honest, this letter I received feels like a stall tactic, especially since the letter was issued on XXXX but I didnt receive it until XXXX, which means from XXXX until now this credit reporting agency more than likely didnt do an investigation. As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate. Lastly, as a consumer, I have the right to privacy, and if there are items I don't want to be shown on my consumer report, I have the right to request those items to be removed. I didn't give your credit reporting agency verbal or written consent to furnish information on my consumer report. There is information on my consumer report that results from identity theft since I didn't give your credit reporting agency verbal or written permission. Again, I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made bases of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had a secured credit card with Wells Fargo Bank. I was required to pay {$500.00} to secure the card. I asked the company to close the credit card account because they were putting charges on the card I had not authorized. They were then asked to return the collateral on the card. A check for {$500.00} was made out to XXXX XXXX, XXXX. I tried to cash the check at their bank but they refused to cash the check even with proof. The company has been contacted several times but I was told lies. When I tried to get the check re-issued in the business ' name and my name they say it could not be done. The impression I have is this : they want me to open a bank account with their bank. What they would do is charge fees I have not authorize or try to mess up my credit report. I do not appreciate being muscled by irresponsible and dishonest people. I would like Wells Fargo to return the security deposit I made in good faith. I do not think they should be considered for opening a business account with their company. I want to build wealth not get ripped off.
Product: Mortgage

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Flagstar Bank XXXX XXXX XXXX XXXX, OH XXXX Subject : Complaint Regarding Forced Purchase of Flood Insurance - Loan Number : XXXX Dear Sir/Madam, I am writing to express my deep dissatisfaction and frustration with the recent actions taken by your bank regarding the forced purchase of flood insurance for my property. Despite multiple attempts to address this issue through phone calls, the matter remains unresolved, necessitating this formal complaint letter. 

On XX/XX/XXXX, I received a letter from your bank requesting the addition of flood insurance, despite the fact that I already maintained basic insurance coverage for my property. While I complied with your request and promptly contacted the insurance company for a valuation during the normal grace period, it took approximately one month for the insurance policy to take effect, specifically on XX/XX/XXXX. 

During this period of waiting for the insurance to become active, I was shocked to discover that your bank had charged me exorbitant premiums, which were three times higher than the prevailing market price for flood insurance. This irresponsible behavior not only imposes a significant financial burden on me but also raises suspicions of improper transactions between your bank and the insurance company, disregarding the wishes and financial well-being of the consumer. 

I firmly believe that this forced purchase of flood insurance at inflated prices goes against ethical business practices and consumer rights. Therefore, I strongly urge your bank to rectify this situation by promptly refunding the premiums that were unjustly imposed on my account. I expect a full reimbursement of the excess premiums paid during the waiting period, as it was due to circumstances beyond my control that the insurance policy took effect only on XX/XX/XXXX. 

Furthermore, I request a thorough investigation into the matter to ensure transparency and fairness in your business dealings with insurance providers. It is essential that your bank upholds the highest standards of customer service and treats customers with respect and integrity. 

Loan Details : XXXX XXXX : XXXX I anticipate a swift resolution to this matter and a timely response from your bank. Failure to address this issue satisfactorily may leave me with no choice but to escalate the matter further by seeking assistance from regulatory authorities or taking legal action. 

Thank you for your attention to this serious matter. I trust that you will handle my complaint with the urgency and seriousness it deserves. I look forward to a prompt resolution and a written response within [ reasonable timeframe, e.g., 15 business days ]. 

Yours sincerely, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since XXXX, I have been receiving Inquiries that are not authorized by me at all. I am a busy person, studying a double major, work part-time and belong on 5 different student/professional organizations and barely have time for myself. 

So, I do not know what is happening, I've been a careful person with sensitive information and for some reason, my information or at least part it got exposed somewhere. I called XXXX, XXXX and XXXX to report fraud alert and credit freeze. XXXX told me to provide any document I receive from any agency that works with fraud alert ( Federal Trade Commission, Identity Theft, Consumer Financial Protection Bureau and so on ), and mail them to the address XXXX has provided me. 

I wish there is was to know what device and which location the person is getting my information for and the websites visited to apply any credit card or loan. I've been complaining with many banks and government agencies since XXXX because someone is using my social security for employment benefits. 

The information of the inquiries is : XXXX and XXXX Report : CAPITAL ONE Inquiry : XXXX XXXX, XXXX XXXX CAPITAL ONE XXXX, VA XXXX ( XXXX ) XXXX __________________ XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX ___________________ CAPITAL ONEXXXX Inquiry : XXXX. XXXX, XXXX XXXX CAPITAL ONE XXXX XXXX, VA XXXX ( XXXX ) XXXX ____________________ CAPITAL ONE Inquiry : XXXX. XXXX, XXXX XXXX CAPITAL ONE XXXX, VA XXXX ( XXXX ) XXXX _____________________ XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX : XXXX XXXX, XXXX No contact information has been reported by this creditor. 
________________________ XXXX Credit Report : CAP ONE NA and XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX __________________________ XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 reporter agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Pursuant to 18 USC, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2.company has also No permission to report anything using my info pursuant 15USC 1681 4 XXXX XXXX XXXX Open date : XX/XX/2022 Amount : {$420.00} XXXX XXXX XXXX Open date : XX/XX/2022 Amount : {$260.00}
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXX XXXX. These errors are not a true reflection of my credit history, and I believe they XXXX have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my XXXX XXXX, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit card or prepaid card

I noticed that my balance was low so I checked my transactions I noticed 2 charges on my account XXXX XXXX for XXXX and XXXX XXXX for XXXX both charges on XX/XX/XXXX I called american express serve and filed a fraud complaint and I was told that someone used my card to purchase airline tickets online in their name not my name and they let the charges go through anyway so i filed the complaint and ordered a new card. On XX/XX/XXXX I received an email stating that my complaint was declined. How can they let someone use my card in their name and then decline the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Product: Credit reporting or other personal consumer reports

Please perform a full investigation. XXXX XXXX denied my fraud application without even receiving an Affidavit form on file. I want XXXX XXXX to perform an honest full investigation on this identity theft crime, as soon as possible. I contacted the police, Ive made police reports, I sent forms and letters to XXXX XXXX XXXX XXXX XXXX 

I want XXXX XXXX fraud department to rewind the cameras of the inside to the bank the day the crime was committed. I want the names to the XXXX XXXX representative who gave away {$50000.00} unauthorized. 
I would like a full investigation as soon as possible. 

I have NOT received cash from the persoanl loan. This persoanl loan is a crime of Identify Theft and should be taking serious. XXXX XXXX did NOT rewind the cameras inside of the bank, XXXX XXXX did NOT have an affidavit on file before making a decision to decline my request to investigate, also XXXX XXXX did NOT have an police report on file. This is completely illegal. I want to appeal my investigation application, {$50000.00} fraudulent persoanl loan. 

My ID and XXXX had been copied and used to perform fraud in my name. Im 100 % sure someone from XXXX marketplace have stole my identity. XXXX have a service on the platform where as anyone can sell items. I sold my cellar device on XXXX marketplace platform days before this incident occurred. Since then Im now experiencing fraudulent activities in my name. I did not reset my cellar device which had my information inside my notes. A picture of my debit card, ID and SSN were left inside my old cellphone files. Im 100 % sure a criminal have stolen my full identity and used it to commit fraud.

Please close this fraudulent account. {$50000.00} persoanl loan is unverified and unauthorized. Someone has stolen my full identity.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

Credit bureaus and creditors has teamed up to report fraud to my credit report. I have my lawyer following through with prosecutions. My rights has been trampoline on for months & the credit bureaus hasnt been with holding the FCRA! I HAVE ALL THIS ON PAPER!
Product: Credit reporting, credit repair services, or other personal consumer reports

After many hours of studying the law and research of the protection consumer laws, I have sent several letters to Transunion XXXX and XXXX regarding fraud on my credit report related to an address in XXXX, IN. Four XXXX XXXX student loan unverified with no contract or proof, with a letter from the Office of XXXX XXXX. The account history is not accurate on the credit report, it has statements they say loans are 100 % paid in full and also states I have made 0 % of payments on time, the letter I have is in conflict with the reporting information. I also have two fraudulent bankruptcies 1 on XX/XX/XXXX and the 2nd on XX/XX/XXXX. In addition the judgement on the credit report is n't correct and the alleged claim was supposed to be remove, they have not followed through on their agreement. I have not filed any bankruptcies and have given them proof of the fraud. This is an issue that has happened before and I came to the Consumer Financial Bureau to get assistance when these agencies are n't following the proper rules laid out by Congress in the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : This account is not mine. 

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

please remove fraudulent accounts XXXX XXXX opened XX/XX/2018 XX/XX/2018
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX XXXX, I discovered some instances of late payments on an account for which I have always maintained timely payments. XXXX XXXX XXXX play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX ) XXXX  XXXX bank, account number is XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.