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

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : TRANSUNION 1. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.
Product: Checking or savings account

I had a check mail from my account on XX/XX/XXXX and it never made it to the recipient. My account was closed shortly after. The check was sent back to the bank and on XX/XX/XXXX when I got in contact with them to let them know what happened I was informed by XXXX, " a leader in Chime 's escalation department '' who stated that that a check would be expedited in 1-3 business days. I heard notihng form that date and would send an email every few days with a generif response returned. On XX/XX/XXXX XXXX informed that a check was requested on XX/XX/XXXX and that due to CoVid there may be a slight delay. I had made contact again on XX/XX/XXXX and got the response that it was still being processed. Everyday after that I emailed requesting an update and got the same response. on XXXX I sent an email requesting to speak with management about this issue that was going on and the gentleman that responded ( XXXX from the escelations team ) stated "! I truly apologize for the delay in your check, as looking over your case 's details I can indeed see no reason why it should not have been sent yet. All I'd need to send it as soon as I receive your response would be confirmation that your mailing address hasn't changed '' Confirmed with him no change and then we basically started the whole process all over again. 
XXXX wrote " I looked into your account and was able to confirm since the timeline to get your closure check has been already passed we requested to have a new one to be expedited to the address on file ; it usually takes up to 5 business days for it to arrive once it has been shipped via express, as yours did '' Using the phrase " as your did '' would mean to me that the check had been shipped via express and should arrive in 5 days. However as of today XX/XX/XXXX I am still getting that the check is in processing and has not been mailed yet. While i understand first hand the severity of the CoVid 19 virus, that is not the culprit here. The check was originally mailed to the individual on XX/XX/XXXX with no issue at all, and there should be no issue with it being sent back out to me, other than I am no longer a customer with them so they have nothing to lose by taking their time. I need the {$4500.00} that was supposed to be here 2 months ago, and I need it now. I do not have any more time to wait or I am going to lose my vehicle.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$270.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$480.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

After doing my investigation under the FCRA I recognized my rights to ask for these fraudulent acounts to be removed and blocked from my report. These items are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THAT HAD MULTIPLE MEDICAL ACCOUNTS, NONE ARE MINE! There are 9 in total showing in my report, XXXX XXXX XXXX XXXX those are all the accounts 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 
This CFPB complaint has been filed to request pursuant to FCRA all XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX there was an unauthorized inquiry from XXXX XXXX on my credit report. I would like this inquiry to be removed from my credit report I have never applied for credit with this company.
Product: Credit reporting

Went to a bank to open a account and could n't because the information sent from ChexSystem upheld my request. This company never never contacted me. I have lived at the same residence for 12 years. How can they hold you hostage when you are not aware of any problem. Shot first, ask questions later?. How can they get away with this. There practices are un-sound.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX RESPONSE TO COMPLAINT XXXX XXXX on Behalf of XXXX XXXX XXXX I am attaching for you evidence of the Trustee issuing a car loan to Mrs. XXXX in XX/XX/XXXX. 

When we were at the dealership it was requested the official deed to the house be provided. If you need the sales person 's name or the manager I will be happy to find out for you. I do know the manager has moved on. 

So with the attached now will Rushmore Loan Management Services , LLC finally admit there is an error. Additionally, Mrs. XXXX XXXX credit report has been over XXXX with numerous bureaus for quite some time. Please keep in mind the previous letter that I submitted regarding XXXX XXXX admitting false reporting of a non existent loan number in XX/XX/XXXX. As well as your company accepting the power of attorney in XX/XX/XXXX. 

It appears to me that your company doesn't know what the banks are doing as I am sure my elderly Mother is not the only victim of her immovable property being stolen. Now factor in all the findings that I sent to you and your company through CFPB of all others identifying errors. Such as XXXX XXXX XXXX, NA-Licensing Act Violation, False Credit Reporting, etc., PA Insurance Commissioner finding a PA Banking and Securities error, the fact the Judge does not have the power to assign false mortgages let alone an active mortgage as this is the role of a bank or credit union, and all have violated a Power of Attorney, a legally binding contract abusing the elderly. 

Is Rushmore Loan Management Services , LLC a victim of a crime also? Is your company concerned about being knowingly or unknowingly being part of a conspiracy to steal not only Mrs. XXXX property but surely others? Do you need me to cite US Constitutional Rights? 

With all of this said will someone assist me to get Mrs. XXXX XXXX   property/home of 41 plus years back to her as she is a victim of a crime as many of the violations were stated by numerous attorneys. I ask you and all involved to remember your oath as a United States Citizen and banking oaths, etc. to make every effort to make Mrs. XXXX whole and to do it in a timely fashion as she is already well into her golden years at the age of XXXX. 
Please feel free to reach out to me so that the matter can be resolved. As it is truly as simple as giving the current illegal homeowner their money back with 45 day notice to vacate Mrs. XXXX XXXX  property and of course monetary damages for any changes and losses to Mrs. XXXX XXXX  property as well as mental anguish, elder abuse a federal offense, and much more. Let 's  resolve this matter once and for all. I am willing to negotiate and it might be much simpler to negotiate with me than numerous others as you and US Bank are aware of a Federal Trade Commission Act violation per Sec. 5. 

This portion of this notice was emailed to Ms. XXXX XXXX of Rushmore Loan Management Services LLC on XX/XX/XXXX. 

Thank you for your kind attention. 


Sincerely, Thank you for your kind attention. 

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

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Several weeks ago I was given information by a Key Bank agent regarding a new checking account and an available {$300.00} promo. I took said advice, alas, as it turned out the agent led me astray. 

I then talked to various Key agents ( weeks after I initiated the promo ) including a supervisor and a local branch manager to no avail. The branch manager states that there is no one to attach the problem to, as there is no way to retrieve the phone call in question with the Key agent who said I was literally " good to go '' in terms of the new account promo. 

Please note : I followed the Key agents precise instruction/advice as it pertains to the promo ; they gave me that information after looking at my former account with Key which I had to close due to an inability to log in online at the time. As it turned out, my online problems were apparently due to the a bank merger they were going through, but by the time I connected the dots, I had already closed my account. 

I have included an exact copy of a letter that I gave to the bank on XXXX XXXX 2017 ( the branch manager said it would be a smart thing to do so that she could forward it to someone higher up ) Lastly, I just talked to XXXX, the local branch manager at my Key Bank ( at about XXXX today XXXX XXXX ) and she bluntly stated that I can further escalate this issue ( I asked and received a phone number to call ) but she said I will get a " no '' in terms of help. Her confidence about my situation being a lost cause ( my words ) makes me feel even more eager to escalate matters.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Acccounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

navient refuses to work with me in repayment, I was on an IBR plan and was able to maintain my monthly payments for a few years, then when I tried to reenroll in the program I had to submit pay stubs and bank statements, then was told I did n't qualify for the program and the only other option I have is autopay of {$420.00}. I can not afford this and repeatedly told them and a manager, only to be told " it does n't affect them '' I am able to afford up to {$250.00} but they refuse to do anything to help. over the last 8 years they have added an additional XXXX to my loan because they have refused to work with me during difficult times and unemployment. I am ready to just default and say forget it rather than, give them all of my money and live in poverty due to student loans. I NEED HELP!!
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Product: Checking or savings account

Friday XX/XX/XXXX deposited a clients personal check for contracted services into my business checking account at Bank of America. Bank teller and deposit receipt said " Credit pending ( available to cover items posting on XX/XX/XXXX. Available next business day for withdrawal and Debit Card purchases ''. Screenshot of such on my account page available. 
The next day my account balance showed the funds available. Screenshot also available. 
I went ahead and ordered materials for the job. XXXX days later on XX/XX/XXXX, the funds are no longer available per the account website. XXXX  says maybe on the XXXX. 
I spent all day at the branch and on XXXX phone calls being told that the funds did transfer from the clients bank to BoA, but they are holding them for further verification. 
The client says her bank released the funds. BoA admits they have the funds. They just want to sit on the 'float ' for another week??? 
My suppliers were declined. My scheduling is now a mess. My promises to the client are jeopardized. The contract may be cancelled. 
How can BoA get the fund and sit on them?
Product: Debt collection

They are reporting an account that I do not recognize. The Caine and Weiner # XXXX {$800.00} and XXXX XXXXXXXX # XXXX {$1400.00}
Product: Credit card

Early XXXX : I applied for a new card in addition to two existing cards. 
the amex app suggested I set up auto pay for my new card but took me to the wrong landing page. It ended up setting autopay again for an existing card rather than the new card. 
XX/XX/XXXX : first payment was due on new card, it did not post XX/XX/XXXX : I call amex and ask for payment to post immediately and set up auto pay manually. They eventually agree to reverse the late fee ( {$29.00} ) and say no charges will be applied- this was misconduct by amex staff since I got charged again. 
XX/XX/XXXX, : I get charged {$100.00} interest for the issue ( late payment by less than one day ) XX/XX/XXXX : I contact amex to resolve and they ignore my requests eventually saying they can not resolve the issue and the interest charge is valid.
Product: Credit reporting, credit repair services, 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 1 5 USC 1681. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX remove all of the late Fraudulant Charges for the same account # XXXX On all Credit Agencies. 

This company has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1 681 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. 16818-2 ( 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 or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/XXXX, I tried to withdraw {$200.00} at ATM at Chase Bank at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY location ( XXXX ).  No cash was dispensed. I thought I may have pressed " cancel '' button so I tried again, and this time I received {$200.00} ( I used the same ATM machine ). Then I checked the transactions and found out that I was charged twice ( {$200.00} X 2=XXXX  ) even though I only received {$200.00}. As I could not find any bank employee nearby, or there was no intercom, I went downstairs and talked to an employee at the customer service. He dialed and handed me the phone to file a claim. I was told that the {$200.00} will be refunded within 48 hours, which did. 
In XXXX, I received a letter saying that the bank did not find any flaw in the system and will take back the {$200.00} they refunded to me ( this was done on XX/XX/XXXX ). I was very surprised and went to the branch on XXXX between XXXX and XXXX XXXX ( XXXX ) on XX/XX/XXXX and talked to an employee there. He called to find out why I did not get my money back, and told me there was nothing I could do as the investigation was completed and the bank found nothing wrong with the ATM machine. He said even if I file a claim again, the same thing will happen and I won't get my money back. He did not offer any further help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX late payments marked in my credit report. I WAS NEVER LATE ON THIS ACCOUNT Marked for XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), A charge-off account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) and a charge-off account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Wells Fargo has failed to report taxes to the IRS and failed to fully discharge the account. Please forward this information to the XXXX XXXX to fully reconcile this account and deposit my securities into my Wells Fargo checking account. Enclosed please find IRS reporting. Please fix it as necessary. 

Thank you, beneficiary