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

Subject : Illegal Credit Report Inquiry by XXXX XXXX XXXX / XXXX FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681b ( f ). On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA.

Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX XXXX XXXX XXXX that would justify this inquiry.

This unauthorized credit pull has negatively affected my credit score and caused undue stress.

As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA.

2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages.

Please investigate this violation of my consumer rights and take action against XXXX XXXX XXXX XXXX to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately.

Thank you for your attention to this matter, and I look forward to your timely response. 

Sincerely XXXX XXXX
Product: Mortgage

We have reached out to SLS regarding our mortgage repeatedly trying to save our home. We have been intentionally lied to about paperwork sent for loan modifications. Our request to exercise our rights for an independent review on earlier modifications has never been answered and our loan has been sent to foreclosure on more than one occasion without giving us the due process afforded to all mortgage holders via the RESPA act. Through our research, it has come to our attention that Specialized Loan Servicing was found to be in violation of federal law by not adhering to the rules on RESPA. These are some of the same issues we have previously brought to your attention. Specialized Loan Servicing violated the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2601 et seq., its implementing regulation, Regulation X, 12 C.F.R. part 1024, and the Consumer Financial Protection Act of 210 ( CFPA ) by taking prohibited foreclosure actions against certain borrowers in violation of 12 C.F. R. 1024.41 ( f ) ( 2 ) and ( g ). SLS violated RESPA, Regulation X, and the CFPA by not sending prompt evaluations notices to borrowers and then starting foreclosure procedures. SLS took these actions against our loan. I have attached the documents that support our claims. ( exhibits A & B ). We have also had an independent fraud audit done on the signing of assignments associated with our loan. This independent audit revealed instances of fraud that could potentially make any claims or actions taken on our mortgage loan invalid. We have attached a copy of this affidavit to our security deed registered with the State of Georgia Deeds and records for XXXX County. ( Exhibit C ).
Product: Checking or savings account

I have attempted to resolve an unauthorized charge on my XXXX   Debit card from Simple.com bank. There is an UNAUTHORIZED charge from XXXX XXXX that was made on my debit card on XX/XX/XXXX for {$810.00}. I notified Simple IMMEDIATELY, on the same day the charge occurred. They opened a dispute and put a block on my card as requested. Then, on or around XX/XX/XXXX, they decided to close the dispute saying they didn't find anything wrong. I then called them, asking why it was closed, and how there is no way they properly investigated it. THey then re-opened the claim. On XX/XX/XXXX, today, I received a message that they have again  decided to close the dispute and will not be returning my money. They have denied to help me, even though I am supposedly protected from unauthorized transactions. XXXX won't help, Simple has denied to help, so I have no choice but to turn to the CPFB for help. All I want is my money back that was stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently checked my credit report and found that there is inaccurate accounts being reported that is not mine, I am aware that these credit reporting agencies are not supposed to be reporting inaccurate information.
Product: Money transfer, virtual currency, or money service

Scammer pretended to be legitimate company by taking their likeness and hacking into a third party 's email account to receive XXXX payments. The banks and XXXX will not reimburse me the money because they said I was the one that initiated the payments even though I was lead to believe the person was a legitimate business. This happened XX/XX/23 through XX/XX/23 involving two credit unions. The amount fraudulently taken was {$980.00} at Pentagon Federal Credit Union.
Product: Credit reporting or other personal consumer reports

Experian credit company is reporting false info on my credit report which goes against fcra guidelines im am considering reaching out to department of justice due to invalid information but the accounts are as followed 1. XXXX XXXX is a fraudulent account they XXXX XXXX XXXX from report and update 2XXXX XXXX XXXX is being reported late which is inaccurate i have proof of payment history to show otherwise they need update payment history to excellent 3. XXXX XXXX XXXX are not my accounts i have never had a student loan they need removed from report the credit bureaus made a mistake and either way these accounts are over 7 years old 4.XXXX XXXX is also innacurate and needs deleted off my credit report is a fraudulent account as well and XXXX XXXXo is well aware of this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is showing up on my credit report. This is not my account. Here is the information : XXXX XXXX Account # XXXX, opened XX/XX/22
Product: Vehicle loan or lease

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card Account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies of proof of verification if the Credit Bureaus claim that the disputed items belong to me. However, the Credit Bureaus have been disappointing me and have failed to send me copies of documents I have been asking from them. I have also been sending dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Credit reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Balance Owed : {$950.00} XXXX XXXX XXXX Balance Owed : {$1200.00}
Product: Money transfer, virtual currency, or money service

Venmo is holding {$640.00} of my money, I reached out to customer support regarding the account being frozen. They requested a photo of my drivers license with other steps to unfreeze account. The online process was completed, I took a screenshot of it saying account was successfully unfrozen however I still couldnt use my funds or transfer them. This was the second time in less than two weeks I had this issue. Then I reached out to support again, they wanted another proof of identification and a picture of me holding the identification (? Why ) so I sent that and also changed my password as requested. This morning the customer support said they had to forward it to yet another department and that they will respond in 7 business days regarding my account. They have been holding my money for nearly a week and being unable to transfer it or use it has made me delinquent on other bills I have. Venmo also let me open a debit card with them yet they are withholding my money for unknown reasons.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.I also realized they reported false information to my credit report according to the FCRA law 605 B they didnt have permission to report anything to my credit report without my consent
Product: Credit card

I have received an email stating that my XXXX card was used without my approval, indicating that my identity was stolen. I contacted XXXX shortly after the unauthorized transaction and informed them that it wasn't me. XXXX informed me that they could not stop the charge and would not block my card. At that time, a {$200.00} transaction was made, followed by another transaction of {$700.00}. Despite my appeals, they refused to help. As a result, my credit has suffered, and my card is maxed out. Every time I call XXXX to request help with the fraud, they tell me that I will receive information in the mail, and imply that there is nothing they can do. However, I know my rights protect me, and I have yet to receive a refund, have my card canceled, or receive any correspondence from them. Ive reported the identity theft to the FTC with reference number XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX XXXX Contact Information Address : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, CA XXXX Phone Number : ( XXXX ) XXXX Email : XXXX Subject : Reporting FCRA Violations Related to Metro 2 Compliance Dear Consumer Financial Protection Bureau, I am writing to formally report potential violations of the Fair Credit Reporting Act ( FCRA ) concerning Metro 2 compliance associated with my credit report. I believe these violations have negatively impacted my creditworthiness and overall financial health.

**Details of Violations : ** 1. **Inaccurate Reporting** : The information reported on my credit file is inaccurate. Specifically, [ describe the inaccuracies, such as incorrect payment status, balance, or account status ]. This violates Section 607 ( b ) of the FCRA, which mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

2. **Duplicate Reporting** : I have identified duplicate accounts associated with the same debt, which is a violation of Metro 2 compliance guidelines. The presence of duplicate accounts can mislead creditors and negatively affect my credit score.

3. **Failure to Update Account Status** : The account status has not been updated to reflect the correct information. For instance, it should indicate [ correct status, e.g., " Paid Charge-Off '' or " Settled '' ]. This failure to update is in violation of Section 623 ( a ) ( 2 ) of the FCRA, which requires furnishers to report accurate information.

4. **Lack of Response to Dispute** : I submitted a dispute regarding these inaccuracies on [ date ], but I have not received a response from [ credit reporting agency or creditor ]. This lack of timely response violates my rights under the FCRA.

**Request for Action** : I kindly request that the CFPB investigate these violations and take appropriate action to ensure compliance with the FCRA. I also urge you to consider the impact these inaccuracies have had on my credit report and financial well-being.

Enclosed with this letter are copies of my credit report highlighting the disputed information, along with any correspondence I have had regarding my disputes.

Thank you for your attention to this matter. I look forward to your prompt response and any updates regarding the investigation. 

Sincerely, XXXX XXXX This letter serves as a formal complaint and outlines the FCRA violations clearly, which is essential for the CFPB to take appropriate action.
Product: Credit reporting or other personal consumer reports

A collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX was entered into my account this year. This is not my account, I do not owe this people any money and I had previously disputed this claim and it was removed from all three bureaus. Transunion is the only company to have re added this account back onto their records. When I tried to dispute it online, their webpage said I had to dispute it by mail. I have sent them three letters asking for it to be removed from my credit report and they do not respond. I have called twice and I was told it was under dispute but when i call back they have no record of it. I want it removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX is trying to come after me over an account that was awarded to my X husband ( XXXX XXXX XXXX XXXX in our Divorce in XXXX have not had financial responsibility on this XXXX XXXX XXXXXXXX card since XXXX. XXXX passed away in XXXX of XXXX and now Bank XXXX XXXX is trying to come after me. This is total fraud and should not be on my report AT ALL ... 

I am not XXXX XXXX XXXX therefore this should not be on report this is highly illegal and once again fraud. They are just trying to get money after someone has passed away and we have been divorce for over 30 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX hereby testify on my knees saying.. " I deserve a Good Or Excellent Credit Report. <NOTICE> " I need the help for ( ALL ) of Lifes [ Unbelievable Circumstances ]. Can you please make an acception? '' XXXX
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 XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

On I submitted a consumer credit application to American Express to receive a credit card for my use in commerce. I was declined therefore I emailed the CEO of the company and advised him I believed. it was unlawful for me to be denied my XXXX given right to extend my credit to American Express to pre-pay the card for my use. I advised in the letter I was the original creditor extending my credits as a private banker, first priority creditor of cestui que trust XXXX XXXX XXXX. I then went into detail in regard to several violations that were committed if I was being denied under 15 USC 1602. i have acted in good faith as a natural person. to obtain a credit card from American Express for my private use, family use and home use. they used the consumer report as the reason for the denial. I advised the CEO in the letter I sent the consumer report can not be used due to the fact all debt is pre-paid therefore it was impossible for anything negative to be on the consumer report and if there was anything negative on the report then it was fraudulent reporting and needed to be corrected, which since then just about all negative marks have been removed because of my claim to the credit bureaus of fraudulent reporting because all debt is pr-paid and they removed them quickly. I further explained I knew the process of the financial corporations in the past and I would not participate, in any fraudulent practices of double dipping.
Product: Debt collection

This company continues to call me for a debt I have no idea about. They call me all day at least 10 times a day starting at XXXX XXXX  and go till about XXXX XXXX. They also call my work and bosses personal cell phone after being told repeatedly not to.
Product: Debt collection

Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible. It has been more than 5 months and I have never been given any information of the results of my request. I don't recall informations and I have never given permission to furnish any of the details on this account information. Account information disputed by consumer, meets FCRA requirements. I am requesting that this accounts referenced to the attached letters be removed from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries reported 1. The inquiry was not authorized XXXX   Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

In XXXX, 2024, my cellphone was hacked. The hackers got into almost all of my accounts. They changed information in my XXXX account, my email, several of my apps, and I have not been able to recover those accounts. You can try to access my XXXX account and you will see that it is now all in XXXX. I am American and XXXX XXXX XXXX XXXX  or understand XXXX. I have kept a very close eye on my Chase banking accounts, as I have and use the mobile app on the device which was hacked. My Chase account seemed unaffected until XX/XX/year>. I vigilantly checked multiple times a day to ensure there was no fraudulent activity. On XX/XX/year>, I saw an unauthorized payment to someone I do not know, and someone that my bank records prove that I have never sent to before. This amount was for {$500.00}. The recipient was " XXXX '', and someone I do not know. I immediately called Chase Bank and filed a fraud complaint and requested an investigation. As of XX/XX/XXXX, I had no yet heard from Chase, so I called to inquire. I was told that it was too soon. I called again on XX/XX/XXXX, and was told that this transaction was found to be " authorized! '' I assure you, it was not. I am a XXXX XXXX XXXX widow and a 100 % XXXX veteran. I can not afford to lose {$500.00} from my budget. On XXXX, a Chase representative told me to call XXXX to try and recoup my money. I did, and XXXX said that because the transaction occurred on an electronic device and on a bank 's mobile app, that they could in no way assist me. I have waited to receive some sort of official documentation as to the fraud findings from Chase, but to date, have not. Today, XX/XX/year>, I called Chase again and requested that my case be looked at again. The rep stated that they would not. I asked why, and he stated that the transaction in question, on XX/XX/XXXX, had been done by using my facial recognition verification. This is not true, as I did not authorize the transaction to the unknown recipient. When I asked how do they know that a hacker can not also access in bypassing the facial recognition, or making it appear as if I DID verify that way, they could not answer me. If they can get into our devices by hacking, I'm sure they have the ability to get passed verification systems. I asked what other options I have, and the Chase rep stated to make a police report. Aside from being a veteran, I am also XXXX XXXX XXXX  and am very aware that there is literally nothing that can be done with fraudulent cyber crime. I am a very longtime patron of Chase Bank, and I am discouraged that they will not even try to help me recover these funds. If you could please help, in some way, I would be very appreciate and grateful. Thank you.
Product: Credit card or prepaid card

I have a XXXXXXXX XXXX Store Credit Card where I make minimum payments of about {$32.00}. I recently have gone through financial hardship and I have been late on making a few payments. Was 30 days past due for the month of XX/XX/XXXX and XX/XX/XXXX, 60 days past due for XX/XX/XXXX. Called XXXXXXXX XXXX to see if they can wave a payment but at the time said it was not possible.
Product: Checking or savings account

I deposited XXXX into my bank account on XX/XX/2020 and the atm spit back out {$20.00} because it was ripped. Machine then said error and did not even print me out a receipt or anything. I contacted Bank of America and filed the dispute. They said in 2 days I would recieve a temporary credit. After the 2 days I noticed that my claim was closed. I contacted Bank of America again and they still have not been able to help me. Thats XXXX of my hard earned money pretty much lost