23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681 a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681 b ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. This has not been done correctly. No proof of signature was ever proven. 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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 ( XXXX ), 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. This was not done and was not informed of the investigation when it was done with proof of signed documents. They did not email me or send reinvestigation letter at all. The information was not verified at all. I even tried to get online and was unavailable to access. I also have a reinvestigation that has been past 30 days, confirmation number XXXX that was submitted on XXXX. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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. They never really did and investigation at all. They continue XXXX my rights and all these accounts should be deleted from my report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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
Product: Checking or savings account

I received a bank statement via mail from BB & T in XX/XX/2021- the statement showed a checking account and a money market account. After contacting the local branch, I was made aware that an account had been opened online using my name, home address, date of birth & social security number. The person used a different drivers license number & email address. The bank allowed the account to be opened online without verifying that the person who opened the account was who they said they were. When questioned, the bank stated they aren't capable of verifying a person against their drivers license number when they provide that information. I personally find this very disturbing as there is a statement that accompanies most financial transactions indicating that the government requires financial institutions to obtain and verify identification of individuals. 

After talking with the bank, I was also made aware that the account had been closed by their fraud department. I filed a police report and gave the officer the information I had received from the bank. The officer who completed the report did confirm the drivers license number was valid and they obtained an address for the individual. 

However, I was assured that the bank had closed the account. 

I have since received statements for XXXX, XXXX and XXXX. The last one indicated that a negative balance has now been charged off as a bad debt. I have also received a complete money market packet. 

During this time, we were working with a mortgage company regarding a refinance of our home and current mortgage. Unfortunately, this bogus account is being reported to XXXX and my refinance was cancelled by the lender. Since then, a bad debt / charge off of the account has been reported on MY credit and I didn't open this account. 

I have reached out to the bank via email to keep everything in writing however they only responded stating they would look into the situation. Since they responded, I have received the negative statement with charge off and the money market packet. 

This is completely unacceptable and I want this matter resolved immediately. It has cost me a lot and if the bank can't verify a person by matching their drivers license number to their name, maybe they should figure out a way to protect people or not allow accounts to be opened online.
Product: Debt collection

Quicken Loans : Breach of CARES Act Forbearance and XXXX XXXX   guidelines. Sent paperwork that is intimidating and says it won't stop the foreclosure, when I went into a CARES Act forbearance program and asked for it early XXXX, when I was current on my mortgage. They didn't start it until XXXX, and said they start 30 days after the request. They would not allow me to get a six month forbearance, despite requesting numerous times. They mandate that I check in monthly via their website and answer questions, which is also not a requirement of the CARES Act. They refuse to allow me to request six months, and state they are compliant and will not offer anymore than three months, and then they require a reevaluation. They send paperwork stating how much I owe with intimidating language that isn't clear that I can pay the forbearance arrearages at the back end of the loan.
Product: Student loan

Navient fails to accept my payments, then charges me interest for the payments. My loan when I ended school in 2015 was at XXXX and now its up close to XXXX, because they 'll accept my payments and then deny them once they hit the bank.
Product: Checking or savings account

I bank at Regions Bank at XXXX FM XXXX, XXXX TX. I have a safe deposit box at the bank that I am occasional unable to access because the bank branch claims the electronic system is broken. Over the past 6 months when I go to the branch there are safety/security in place to access the safe deposit boxes ( using you finger print recognition ). This system occasionally works. The branch manager is aware of this situation and nothing has been done to address the problem. The teller just pull up my information and let me in the safe box area manually. Id 's can be made fake. There is security in place so no one can access a safe deposit box without finger recognition. If the branch has security in place to access the safe box area there should not be a manual key used except in extreme cases but this is every time I go to the bank to access my safe deposit box they are using the manual key to let me in the safe deposit box area. I have ask them to check why my finger recognition doesn't work but they don't care and just let me in. I feel this branch is not taking security seriously in regards to access to the safe deposit area.
Product: Credit reporting or other personal consumer reports

Subject : Escalated Complaint Regarding Unauthorized Credit Inquiry and Inadequate Resolution by TransUnion To Whom It May Concern, I am filing this escalated complaint concerning an unauthorized credit inquiry by XXXXXXXX XXXX on XX/XX/year>, and TransUnions failure to address this issue adequately following my initial complaint ( CFPB Complaint # : XXXX ). 

Key Issues and Violations 1. Unauthorized Credit Inquiry : The credit inquiry by XXXX XXXX on XX/XX/year>, was not authorized by me. As such, it constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which limits the circumstances under which credit inquiries can be made.

2. Failure to Address Dispute : TransUnions response failed to investigate the unauthorized inquiry and instead focused on updating personal information on my credit file, which was not part of my dispute. This demonstrates noncompliance with the FCRAs dispute resolution process under 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to conduct a reasonable investigation into disputed information.

3. Harm to Creditworthiness : Unauthorized credit inquiries negatively impact my credit score, harming my ability to secure financial opportunities. TransUnions failure to remove this inquiry further exacerbates this harm.

Requested Resolution To resolve this matter, I respectfully request that the CFPB : 1. Investigate TransUnions compliance with FCRA requirements, particularly their handling of disputes related to unauthorized credit inquiries. 
XXXX. Require TransUnion to remove the unauthorized inquiry by XXXX XXXX from my credit file. 
XXXX. Provide written confirmation that the unauthorized inquiry has been removed. 

Supporting Documentation To support this complaint, I have included : A copy of my original complaint regarding the unauthorized inquiry. 
TransUnions inadequate response to my CFPB complaint.

A copy of my credit report highlighting the unauthorized inquiry.

Contact Information Full Name : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TN XXXX Phone Number : XXXX Email Address : XXXX I request a prompt investigation into this matter and a resolution within the legally mandated timeframe. I reserve the right to seek damages under applicable consumer protection laws for any continued inaccuracies or harm caused by this unauthorized inquiry. 

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

I recently submitted a request for an investigation of the disputed accounts, Since I believed XXXX Credit Bureaus didnt properly investigate my dispute. XXXX Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. [ accounts/items ] XXXX XXXX XXXX XXXX XXXX BALANCE : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX BALANCE : {$64.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX BALANCE XXXX {$400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCE : {$100.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX BALANCE : {$2200.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX BALANCE XXXX {$64.00} 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 MD XXXX XXXX XXXX  BALANCE : {$0.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX BALANCE : {$64.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCE XXXX {$400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I paid my US Bank credit card in full {$5400.00} and they reduced my credit limit down to {$500.00} from {$5600.00} and the main reason they said my credit score was in the XXXX which is a complete and utter lie. The reduction in my credit limit lowered my credit score drastically all for nothing. I paid my account in full. Please never use US Bank for any credit card!!!
Product: Debt collection

I've disputed this account multiple times and it's been previously removed from my credit report but continues to return. After it was removed from my credit report there is no verification sent to me. It's negatively affecting my credit score and not allowing me to gain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$400.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding a charge-off on my credit report for the amount of {$26000.00}. I believe this charge-off was a result of a data breach that led to unauthorized activity on my account. 

Description of Events : In XXXXXXXX XXXX, I became aware that my personal and financial information had been compromised due to a data breach. This breach occurred either through [ name of company or entity that experienced the breach, if known ] or through unauthorized access to my personal details by unknown parties. As a result, fraudulent charges were made on my account without my knowledge or consent. 

I was informed that a charge-off of {$26000.00} had been reported on my credit report due to the fraudulent activities resulting from the breach. The company reporting this charge-off has not removed the account from my credit report or taken action to correct the information. 

I request that the charge-off be removed from my credit report, as it was caused by fraudulent activity stemming from the data breach. I would also appreciate it if you could investigate this matter and help ensure that the reporting company addresses this issue properly. 

Thank you for your attention to this matter. I look forward to your response.
Product: Credit card or prepaid card

When I contact the Fraudulent company, all I get is the demand to make a payment. Even when I explained to them the process is slow when making payments before the due date. 

The customer service is very unprofessional and cares only about getting the money.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a recently submitted complaint to CFPB about an identify theft and fraudulent act committed toward me by XXXX  XXXX XXXX, Chexsystems, and early warning, I received a call from a XXXX XXXXXXXX XXXX representative after I was emailed that they were to respond to CFPB. I wasn't asked anything but if I would like to discuss anything with her, the representative, about the matter. This came off to me as " guilt '' or confession to the alleged act toward me. This person then said to me they would " let me know something or make a decision '' in a few days ; as if I was under an " approval application '' standard! ; after replying " no '' to the question but then explaining just a few details about the matter as a courtesy. This Bank was asked to respond to CFPB, not me. I'm complaining about this BANK and the credit reporting agencies attempting to make this a matter of approval of a simple bank account, which it is not! Because of this, my name should definitely be removed from these 3 agencies ' files completely and never placed back into the system unless and/or until a civil court Judge rules favor for so. The documents show proof of intent to lie to the government or harm the recipient, myself, either physically or criminally through cybercrimes. This call was posed as threatening ; by attempting to place me under an illegitimate " application approval standard '' concerning this fraudulent credit reporting matter ; which reads XXXX $ monetary loss ; without including CFPB. Therefore insulting the work and objectives of both Chex Systems and Early Warning ; which is to record actual " fraud '' involving " CHECKS '' and transactions that abundantly exceed the amount of {$0.00} in loss Page 3 of the attached file : After receiving the consumer report from XXXX XXXX, I am able to see that, I, the consumer requesting the report, should have my file deleted immediately. 

The incident date in the file does not match the date the account was closed or ANY DATE IN BETWEEN the opening and closing of the account. This proves that no such incident occurred and that the bank should be held accountable. And that so, by clearing my name and deleting this information on file immediately. 


Account opened : XX/XX/2017 Account closed : XX/XX/2017 That any manner of transaction or attempted transactions, if any, were authorized and proves " wrongful suspicion '' Incident Date : XX/XX/2017 Principal Loss : {$0.00} Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 

The bank account was closed at this time. Any card from the institution also deactivated on date of account closure Open Date : XX/XX/2017 Close Date : XX/XX/2017 Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause Date of Last Status Change : XX/XX/2017 Name : XXXX, XXXX, XXXX Email Addresses : XXXX Balance Information : Month/Year Balance XX/XX/2017 {$0.00} XX/XX/2017 {$0.00} XX/XX/2017 {$0.00} XX/XX/2017 {$10.00}
Product: Debt collection

The name of the company is XXXX XXXX ( not sure if that is how it is spelled ), the amount they said was XXXX, when i was going through the list of questions to ask a fraudulent debt collector, Mr. XXXX got upset. I ask the address of the collections agency, he would not give it advising that in this world of XXXX it would not be safe. When i asked for the address of the debtor, he got upset and refused to answer advising since i had already said I was me ( saying my name ) and verified my birth date that was enough and then got upset saying i was being difficult and refusing to help. He hung up, i then called back to talk to him again, to advise him i was asking the questions to make sure he wasn't a fraud. He then got more upset and said he would garnish my wages and have me served with papers at my work or home. i tried to explain why i was asking and he said he was blocking my number.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX Balance : {$29000.00}