23daVinci/CFPB_Complaints huggingface dataset:
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not recognize these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 Transunion 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: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX. XXXX companies ran my credit without my authorization. 

XXXX XXXX XXXX JPMCB AUTO FINANCE XXXX These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per XXXX XXXX XXXX XXXX. XXXX XXXX XXXX of The Fair Credit Reporting Act I await your reply. Once you have fulfilled my request, mail me an updated credit report reflectir changes. 

In accordance with the fair credit Reporting act XXXX this company has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX A creditor may not treat payment on a credit card account under an open end consumer credit plan as late purposes
Product: Credit reporting

Transunion was hacked and my credit report file, a hacker set up an account using my SS # and was sent credit reports by Transunion with all my information. the hacker then opened various accounts and also opened several cell phone accounts with XXXX and we got the notice and welcoming packet from XXXX sent to me at my home address, this started us investigating and found the fraudulent account set up on Transunion ... ... ..they never contacted my wife to say that the account was set up.
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681B ( 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: Debt collection

A debt collector added a collection on my credit profile in the amount of XXXX by the name of XXXX XXXX XXXX  and I have no recollection about this account.I have ask to send me proof of this debt and have heard nothing
Product: Credit card

On XXXX XXXX XXXX my partner of 12 years died. He was an authorized user on my credit card with Chase Bank. I have been a customer with Chase for 18 years with no late payments and good standing. I have had to close all accounts with Chase due to their predatory practices. I locked the account on XXXX XXXX after his death since I couldn't face calling anyone to have him removed and I couldn't do it on the app with the understanding no payments could go through on a locked card. Then on XXXX XXXX XXXX XXXX, they allowed two subscription charges to go through. These were not authorized as the card was locked but apparently, they allow subscription charges to go through and argue they are authorized. No other bank credit card I have allows this. I called them on XXXX XXXX  and then again on the XXXX to dispute the charges and have them reversed. I explained the circumstances and talked to three different people. The first said I would have to call their charge dispute line during business hours. The dispute line said they said they were authorized and I had to contact the vendor, even though I had locked the card and the authorized user had been dead for two months ( not sure how you authorize charges while dead ). I explained I didn't have that information since the account holder was dead and that these charges or any future charges were not authorized. They said they couldn't help with the current charges or future charges. I was liable and I would need to talk to customer service if anything else might be done. I talked to customer service, they said they could not help. I chose then to shut down my account that I had for 18 years. They then said we want to warn you that even with account closure recurring charges could go through. That is insane! I unequivocally stated that if any charges went through, they were liable as I am closing all accounts with Chase and never doing business with them again. The charges were not even large, just under XXXX in total, but this is about principle. I had been a good customer and this wasn't even escalated to someone with more authority. Their practices are predatory. I did not have any of these negative experiences with any other bank credit cards. It is gross.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX # XXXXXX/XX/XXXX-Acct # XXXXXX/XX/XXXX-Acct # XXXX XX/XX/XXXXAcct # XXXXXX/XX/XXXX Acct XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ACCT # XXXX, XXXX XXXX XX/XX/XXXX- ACCT # XXXXXX/XX/XXXX-ACCT # XXXX All creditors above have 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 an 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 and 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 or other personal consumer reports

Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX  Dear CFPB, I am writing to formally file a complaint against XXXX XXXX  for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I was approved for a financial relief program offered by XXXX XXXX. Under the CARES Act, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law.

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX  about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

According to XXXX XXXX XXXX XXXX ( " XXXX '' ) selling guide under " XXXX Registration '', it reads " If a lender registers a mortgage with XXXX after XXXX has purchased or securitized the loan, the lender must name XXXX as the investor during registration and notify XXXX of XXXX ownership interest in the mortgage. ( The MIN will not have been included on the Loan Schedule or Schedule of Mortgages. ) '' Go to Exhibits " A '' and " B ''. 
This is exactly what Plaza Home Mortgage, Incorporated ( " Plaza '' ) did when it registered the mortgage with XXXX in 2006 after XXXX already purchased or securitized the loan. 
Go to Exhibit " C ''. 
Yet Plaza 's employees, counsel, and attorneys have the audacity to insist that Plaza sold this same mortgaged loan to XXXX XXXX XXXX even after XXXX had already purchased or securitized the same loan when Plaza registered the mortgage with XXXX in 2006. 
But Plaza does not stop there. Plaza continues to insist that " The Plaza Mortgage and associated mortgage note was sold and record notice of the transfer is documented by that certain Assignment of Mortgage recorded in the Bureau of Conveyances of the State of Hawai'i as Document Number XXXX '' ; and that " Plaza 's Mortgage, which is secured by the Property, was transferred to XXXX XXXX XXXX, XXXX XXXX. '' ( " XXXX '' ). 
Go to Exhibit " D ''.
Product: Credit reporting or other personal consumer reports

I have been trying to dispute a XXXX  account that is in collections with experience credit report. They keep telling me the debt is valid but won't say how they came to that conclusion because I've never had a XXXX bill with XXXX XXXX I was always pays as you go or prepaid. The date this was put on my credit report I was homeless and I don't understand how they could just put stuff on a credit report and say it's true. My biggest problem is now finding a place because this lowered my score alot that I was working on. And the only answer I kee0 getting Is I see this your debt
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. 

XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX XXXXXXXX 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 an 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 or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX XXXX  / XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent. 

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file. 

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting this fraudulent account on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, this account has already been deleted and not verified by other bureaus, which raises concerns as to why it remains on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete this account immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

I had just signed up for a Discover checking account this summer as I can not afford a better bank, it was free. I was just emailed my account would be closing and told I couldn't get any further information about it or the reasoning at the time, so of course I called customer service to try and see if I could get a better description as to why. I was told the same thing and that they couldn't see any further as it was a " business decision ''. I just got my first check with a new company I am working for, not even all of the check could be deposited at one time, it all got put onto hold for the XXXX and XXXX of XXXX and I was told the money on hold would be sent back to my employer. 

Zero reasoning and unable to open a new account because I already have one " in my name '' even though it is closed. I am only XXXX and the only provider for my family at the moment, I really need my check and a literal bank account.
Product: Mortgage

I had a Second loan on my house from Bank of the West and was forced to short sell it after a divorce. 
My credit report says that I claimed Bankruptcy when I did not. I did file but dismissed it before the short sale. 
My first lender did not put Bankruptcy on my Credit Report but listed as dismissed.
Product: Credit card

Hello, so on XXXX I was looking for job and I got an email saying I got a remote job that they will by my equipment and everything. Then the Scammer ask for my ID which I give to him and my address and he mail me a false check of XXXX $ to my home the next day. After that he sent me the offer letter he demanded that I pay for some of the cost out of pocket and and would be reimbursed for the money. So I ended up spending almost XXXX $ in gift cards on my credit until I did some research about the company and I ask the company they were impersonating and they told me that that wasnt them and he sent me photos of the packaging which made me very confused because Im like is this real. Then I search up the image on google and found the same image on there. This is when I knew I got scammed and immediately file a report to my bank about the issue in XXXX. Now my bank denied my dispute and I dont know what to do I am aXX/XX/XXXX and dont have the funds to pay it back and dont want this to mess up my credit. 

This was all on XX/XX/XXXX and it was a virtual interview through text messages and the contact was by Email. Using the companys logo and everything!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I permanently opted out of all reporting agencies indefinitely. To my surprise, a mortgage company by the name of XXXX, acting on behalf of XXXX XXXX, was able to successfully submit a hard inquiry through to my credit report, obtaining unauthorized personal information without my consent. Appalled, Id reached out to you all, only to discover that a company called XXXX, whom my first report was for, performed the hard-inquiry on XXXX XXXX request. After XXXX told you all that theyd contacted me with solutions regarding my complaint with you all, you all closed my complaint and they did not reach out to me by phone call like yall told me they did, but instead sent me correspondence in the US postal mailing systems. Once received and read, theyd suggested that I reach out to XXXX XXXX. I reached out to them, theyd collected my pertinent information some how, confirmed it all with me, then in a confrontational manner, told me that they were not going to remove the hard inquiry from my credit report, placed on my report on XX/XX/XXXX, but I was just made aware of the inquiry XX/XX/XXXX. When I asked about the dates and weirdness of it all, a guy by the name of XXXX XXXX, spoke to me by phone on XX/XX/XXXX, very rudely exclaiming to me that due to my knowing all of my own information and verifying it with him, that it somehow was me that theyd gotten my consent from. I have NEVER given them any, never heard of them until the XXXX paperwork in the mail, and would not ever do business with a company like them under any circumstances past or present. Id permanently opted-out of all credit reporting agencies ranging from XXXX due to how many of them there are. So Im curious, How is it that XXXX acting on behalf of XXXX XXXX  XXXX was able to successfully submit a hard inquiry into my credit reports, WITHOUT MY CONSENT, and not only gain access to my personal information but also distribute it to XXXX XXXX whom also DID NOT GET CONSENT FROM ME EVER, and I didnt and still dont know of them nor have never reached out to a company like them, were they able to perform this unauthorized act with so much ease? Why dont my permanent freezes placed on my credit reports work? Finally, their are two companies ( which one of them XXXX XXXX XXXX was paid in full ), is reporting late payments, on closed accounts on my credit report, but have also been able to report these things in my permanently opted-out credit reports. How and why have they too, been able to do such things?
Product: Checking or savings account

USAA XXXX  Fraud XXXX  Alert : Account duplicate Dark Web Cell phone ported Requested Account Closed XXXX XXXX Terminated Term Life Insurance Policy mid XXXX. Impersonating representatives. 

Intent to collect funds on policy XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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