23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On X/XX/2017 I opened a Certificate of Deposit ( CD ) account with XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. At the time of opening this account, the bank Assistant VP, XXXX XXXX, told me that the rate of the CD was 5.25 % and I could open a cash secured line of credit ( LOC ) for the same rate of 5.25 %. 

He told me this in order to encourage me to open the CD account, as I thought my money would earn interest and I still would have access to the same amount of money in the LOC account with the same interest rate. I thought that was a very good idea to do that. 

A week after I opened the CD account on X/XX/2017, On X/XX/2017, XXXX XXXX sent me an email saying that he had quoted me an incorrect interest rate, and instead of 5.25 %, my interest rate was only 3.24 %. 

I was very upset about this situation, and at that time, I wanted to terminate my relationship with the bank. However, I thought I was stuck since I had already opened my CD and if I wanted to pull my money from that account I would have to pay penalty. XXXX XXXX did not advise me that I could have closed the CD account without any penalty upon the disclosure of the correct rate. 

Recently, as I am trying to close this CD account, the bank refuses to do that unless I pay them a hefty penalty. I have involved the bank escalation process and they have talked to the regional manager, but the bank still refuses to close the CD account without penalty. 

XXXX XXXX XXXX is a fraud and he misrepresented the true rates of the CD and LOC to me back in XXXX 2017. Once that he had me locked down with the CD, he changed the interest rate. He made sure I could n't move my money and then he changed the interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXXXXXX XXXX  Account # : XXXX Dates Associated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX When I called a representative kindly agreed to have these late payments removed from my account now that it has been paid in full and I have since been on time with all recent payments. 

This adverse information has been incorrectly added on my credit report. Please reinvestigate this matter and remove the negative payment history from my credit history. Thank you for your assistance.
Product: Credit card

XX/XX/ {$5600.00} was transferred out of my credit card account that was supposedly already cancelled by BECU. According to them I gave my personal information to the other party involved. I had not given any information out. The bank has been contacted by myself on multiple occasions and have not called my back with updated information. I have filed a police report for fraud and haven't heard anything from that also. Meanwhile my account is still being charged late fees and interest fees. They have started to pull those amounts out of a checking account associated with the credit card.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute that Experian has failed its legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( 15 U.S. Code 1681i ), to conduct a reasonable reinvestigation of the disputed information on my credit report. 

Despite providing all necessary evidence and supporting documentation to substantiate my claim, Experian either failed to investigate thoroughly, verify the accuracy of the information in question, or correct the error within the statutory timeframe. 

The inaccurate information, as detailed in my previous correspondence has caused significant harm to my credit standing. This includes difficulty obtaining loans, and inability to activate new phone accounts with new providers, and inability to relocate into a new home. 

Under the FCRA, credit reporting agencies are required to : Investigate disputes within 30 days of receiving the dispute. Notify the furnisher of the disputed information within five business days. Remove or correct inaccurate, incomplete, or unverifiable information. 

Experians failure to fulfill these obligations constitutes noncompliance with federal law. I demand that Experian immediately reinvestigate the disputed information, provide written verification of its findings, and either correct or delete the inaccurate information. 

If this issue is not resolved promptly, I am prepared to escalate the matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and, if necessary, pursue legal action to protect my rights under the FCRA. 

Please confirm receipt of this letter and provide a written response within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires on my credit report that i never applied for
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 XXXX XXXXXXXX has violated my rights. Or a 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: Mortgage

I am a new homeowner and have only had a mortgage since XX/XX/XXXX. My mortgage was sold to Ocwen Loan Servicing LLC . Almost immediately after closing, I received a letter from Ocwen Loan Servicing LLC, stating that I did not have homeowners insurance, even though it was a requirment to get approval for a mortgage. The letter stated that if I did not show proof of insurance, Ocwen Loan Servicing LLC would purchase homeowners insurance at a cost greater then if I had purchased my own homeowners insurance. I contacted my insurance agent and requested that they get in touch with Ocwen Loan Servicing to present proof of insurance. To cover all bases, I also sent via certified mail with return receipt, proof of my insurance. This problem was resolved but after much hassle and stress. Ocwen Loan Servicing LLC just made a large settlement in a class action lawsuit in Florida for receiving kickbacks involving this same exact insurance scheme. 

Next, in XX/XX/XXXX Ocwen incorrectly paid the XX/XX/XXXX real estate tax, even though I closed on my house XX/XX/XXXX, which brought my escrow balance with Ocwen to a negative balance. To rectify this problem, I made an additional escrow payment via check and Ocwen 's payment coupon. When Ocwen received this additional escrow payment they applied it incorrectly as an additional principal payment, leaving my escrow account as a negative balance. Since Ocwen did not apply my additional escrow payment correctly, my monthly payment due has risen and is creating unnecessary financial hardship & stress. 

This is my now my third issue with Ocwen Loan Servicing LLC and I have only been a homeowner for four months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that these inquiries was not going to be hard pulls due to the fact I was apply for business funds. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXXXXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.
Product: Money transfer, virtual currency, or money service

Fraudulent wire transfer from a personal joint checking account with Chase bank belonging to my wife and me in the amount of {$23000.00} on XX/XX/scrub>XXXX On XX/XX/scrub>XXXX  I received a phone call allegedly from a Chase bank representative informing me that there had been attempted wire transfers on our account. I told them that those were not initiated by us and hung up the phone. My wife then called Chase directly to inquire about our accounts and was told on a recorded line that there were no wire transfers or fraudulent activity. On XXXX XXXX XXXXXX/XX/year> we logged on to our online account and saw that there was a wire transfer from our checking account in the amount of {$23000.00}. On Monday morning, XX/XX/year> I went to our local Chase branch at XXXX to inquire about the wire transfer and initiate return of the funds to our account. I was told that there had been several attempted wire transfers on the account that had been blocked during this time. Over the next several days we had multiple in-person meetings with Chase representatives at the local branch and multiple phone calls with the claims department. On XXXX our Chase branch representative filed a complaint with the Branch Complaints and Escalation department. On XX/XX/year> I was informed by the Branch Complaints and Escalation department in a voicemail message and subsequently on a recorded line that our claim was approved and that the funds would be returned to our account within 1-5 business days. On XX/XX/year> I called the representative that I had been corresponding with and informed her that the funds were not yet returned to our account. She was very surprised and told me that she would look into it and get back with me. She called me back on XX/XX/year> and told me that the claim was now denied. We met with the branch manager at our local Chase branch on XX/XX/year> and have since contacted the Executive Office to appeal the denial. They have initiated a reinvestigation of the claim, and we are awaiting the results of that now. Their phone number is XXXX. The case ID number is XXXX.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX i opened a credit card with XXXX XXXX XXXX. the inquiry should fall off in XX/XX/XXXX however XXXX and transunion told me that it will fall off in XX/XX/XXXX. I feel the inquiry should fall of in XXXX of XXXX since that would mean its XXXX  months old
Product: Money transfer, virtual currency, or money service

Sold items on XXXX. buyer used paypal to pay for items. PayPal held funds for a number of days until buyer received and was satisfied with item purchased. The sale amount then appeared as my available balance. I attempted to transfer funds from paypal to my bank and over a series of days I kept getting 'unable to complete transaction '. I then at tempted to transfer funds to my debit card and received 'unable to complete transaction ' again and again. I tried calling paypal but they said they could not help me and hung up. I sent several messages to them on their website message service and received no response. Essentially, paypal is not allowing me to use or access funds that are mine due to the sale of goods on XXXX without any cause or reason.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX. XXXX - XXXX I demand immediate removal of this disputed item from my credit report. 
Furthermore, I expect to receive an updated credit report reflecting this removal within 30 days of the item 's removal. 
Moreover these INQUIRIES were not done by me. I remember doing NO BUSINESS with this FINANCIAL INSTITUTIONS. 
XXXX - XX/XX/2023
Product: Credit reporting or other personal consumer reports

This version is slightly more formal and structured for clarity. I am writing to formally dispute several inaccuracies on my credit report that persist despite prior verification efforts, which indicated the information was accurate and verified report # XXXX. 

These discrepancies pertain specifically to my XXXX account ( # XXXX ). 
1. **Past Due Balance on Charge-Off : ** The report shows a past due balance of {$2400.00} as of XX/XX/XXXX, on an account that was charged off. It is unclear how this balance remains after the charge-off occurred. I request clarification on this issue? 
2. **Inconsistent Charge-off : ** This account is listed as a charge-off under your Grid Code : L. According to Experians glossary ( BCI ), a charge-off does not have a recurring charge off code in the payment status of your glossary, yet my report shows recurring charge-offs each month from XXXX XXXX. This does not align with XXXX guidelines and must be addressed. Given these inconsistencies, I request a full validation of this account, including a copy of the originally signed contract bearing my signature. Additionally, I would like to remind you that, as of XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) amended the Fair Credit Reporting Act ( FCRA ) Summary of Consumer Rights. Consumer reporting agencies are now required to provide consumers with this updated summary whenever there is a request for disclosure of their consumer file. Please ensure this is included in your response. Thank you for your prompt attention to this matter. I expect a thorough investigation and the deletion of these inaccuracies. 
Proof of documentation is uploaded.
Product: Debt collection

I received a call today ( Friday XX/XX/XXXX ) from a supposed debt collector who knew my name and date of birth. I confirmed it was me. He said he was calling about a debt with a Credit Card ( a XXXX XXXX ending in XXXX with Capital One ). I told him I was never a client of that bank ( honestly, I have never even had a XXXX in the XXXX ). He insisted that the debt was now USD XXXX, last payment received successfully was in XX/XX/XXXX ( {$59.00} ) and debt started to increase in XX/XX/XXXX ( almost 5 years ago and this was the first attempt to contact me?! ) When I asked for more details, they requested the last 4 of my social and I hung up, thinking it was a scam call. 
Now I wonder, what if it wasn't a scam call and I was a victim of ID theft? The number they called me from belongs to XXXX XXXX XXXX, but they never mentioned the name of that company during the call. 

How can I make sure I don't have a debt? 
What if the debt exists but it's the result of ID theft, do I still have to pay for it? 

Any official information would help. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX ) is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ). I need to report XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late, but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX violated my rights under The Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 

I am hurt that my personal information and medical records was shared from XXXX XXXX to the XXXX XXXX agency and I want to report them because I never signed a form for a third to look and view my medical records without my consent.
Product: Debt collection

On XX/XX/2020 I purchased a bundle pack on XXXX for an XXXX console + a digital membership for a total of {$590.00}. XXXX was offering a payment plan option in partnership with Citizens One Bank, so after entering a few pieces of personal information and my social security number, I was approved for the payment plan with no interest rate. Following the transaction, I received an email from Citizens One Bank with a link to my account that included the details of my outstanding balance that I would pay back to them in monthly installments to pay off the purchase. 

Immediately after making the purchase, I realized that I had made a mistake because I only wanted to buy the XXXX console rather than the digital membership so I contacted XXXX right away. XXXX refunded the amount of the membership which was {$350.00}, but it was refunded to a Mastercard ending in XXXX which is not my card. I do not and have not ever owned a Mastercard ending in XXXX, so I'm not sure why the transaction was refunded to that card. My assumption is that the card was affiliated with the XXXX/Citizens One partnership and was used as the financial instrument to complete the purchase. However, that's not my card and as I mentioned, I had already been setup with an account to pay Citizens One Bank out of my checking account for the purchase over monthly installments. 

I have been in contact with both XXXX and Citizens One bank 7+ times each. The only answer XXXX will give me is that they already did everything they could do, which is refund the card that the initial purchase was made on. That does not help me in any way, though, as I do not own that card and have seen no refunded funds come to me. Instead, I am still on the hook for the entire balance of the purchase within the Citizens One Bank portal. Additionally, I have contacted Citizens One Bank numerous times and they tell me that they have no record of any refund and they have nothing to do with that Mastercard that was charged. Therefore, they are unable to reduce the amount of my outstanding balance by {$350.00}. Both companies seem to absolve themselves of any responsibility in this situation, and they continue to tell me to " call the other company '' so they can deal with it. 

I am at a complete loss because I have spent endless hours on the phone with both companies and am still at square one. XXXX continues to focus on the fact that they refunded the Mastercard, but that provides zero benefit to me because I do not own that card and did not select that card for the transaction. I simply opted in for a payment plan, and after the transaction was completed, the order details indicated that the charge went to a Mastercard ending in XXXX. Somehow, XXXX expects me to know the innerworkings of their partnership with Citizens One Bank and has implied that the Mastercard is affiliated with me in some way. It is not -- I explained to them countless times that they can check my credit reports because I have never owned a Mastercard ending in XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file an urgent and formal complaint regarding fraudulent accounts and inquiries that have appeared on my credit report. As a victim of identity theft, unknown individuals have unlawfully opened accounts and initiated inquiries in my name without my consent. Despite my repeated attempts to resolve this matter, neither the creditors nor the credit reporting agencies ( CRAs ) have provided adequate documentation to validate these transactions. The fraudulent account with XXXX ( Account Number : XXXX ) was initially removed but was later re-reported without proper notification, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates that consumers be notified within five business days of reinsertion. This failure to notify constitutes a serious breach of federal law, compounded by violations of 15 U.S.C. 1692g for lack of validation of debts, 15 U.S.C. 1681s-2 ( a ) ( 1 ) for reporting inaccurate information, and 15 U.S.C. 1681c-2, which requires the blocking of fraudulent accounts upon proper notification and documentation. I demand immediate and permanent removal of this account under 15 U.S.C. 1681c-2, and I urge the Consumer Financial Protection Bureau ( CFPB ) to enforce the CRAs ' compliance with this law. Additionally, I request written confirmation of the removal and blocking of this account and a thorough investigation into the compliance failures by both the creditors and CRAs.
Product: Credit reporting or other personal consumer reports

XXXX. Subject : Complaint Against Experian and XXXX for Refusal to Update Personal Information Dear Sir/Madam, I am writing to file a formal complaint against Experian and XXXX for their refusal to update my personal information on my credit report. On XX/XX/2024, I submitted a personal information update letter to Experian, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/2024, I received a response from Experian stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to Experian. 
I believe that Experian 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ).

Experian 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, XXXX has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights. 
I request that the CFPB investigate this matter and ensure that Experian updates my personal information as requested. Additionally, I seek confirmation that my credit report will reflect the accurate and updated information without further delays. 
Furthermore, I demand a deletion of all personally identifiable information from my consumer credit report with the exception of :