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

I sent a dispute to Equifax on XX/XX/XXXX regarding XXXX XXXX XXXX reporting 2 items on my credit report. 1 report from XXXX was removed and the other is still listed for {$62.00}. I submitted information to Equifax as proof that the XXXX circuit US District Court ordered XXXX XXXX ( which is also a Lawfirm XXXX XXXX XXXX XXXX XXXX ) to remove items from consumers reports based on various class action lawsuits filed for violations of the FTC & FDCPA. Sect 791. F.3d 1291 ( XXXX vs XXXX XXXX XXXX ) since XXXX and additional Case # 's XXXX, case # XXXX, case XXXX. The US District Court ruled positive that XXXX committed these violations and have since fined them and ordered them to remove items from consumers credit reports. 

As of today, XX/XX/XXXX, the most recent communication I received from Equifax was that they were sending a letter to XXXX to validate the {$62.00} debt and would notify me within 30 days of their response. Equifax should not be doing that!!!!!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account and several unauthorized inquiries on my report. I have already tried contacted this company via certified mail ( Tracking # XXXX ) with no response or resolution. 

Fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

BMO online banking advertised a bonus promotion of {$500.00} code XXXX to new Relationship Checking customer will be deposited to the account should a direct deposit of at least {$7500.00} occurred within 90 days of the account opening. On about XX/XX/XXXX I opened a checking and savings with BMO. XXXX XXXX was the banker who verified my personal credentials in opening checking and savings account ending with XXXX and XXXX respectively. However, there were some mishaps occurred on the part of BMO bank, i.e. the checks order shipment was lost, direct deposit was rejected. After about 3 months handling these mishaps Takesha 'gave up, and closed the checking account ending with XXXX ' on XX/XX/XXXX. 
A new cash bonus promotion was in effect, that {$600.00} cash bonus was given for new account should direct deposit of at least {$7500.00} occurred. I was assured by XXXX XXXX when he opened my replacement checking ending with XXXX that {$600.00} cash bonus will be deposited into my checking by XX/XX/XXXX should I made arrangement for the direct deposit asap. I met all requirement to earn the {$600.00} cash bonus. However, BMO FAILED TO HONOR THEIR MARKETING PROMISE WITHOUT A JUSTIFIED REASON. After a few attempts to request BMO to make remedy I decided to close the accounts with BMO to avoid monthly fees. I also told XXXX XXXX that I WILL FILE a complaint with CFPB against the bank for their deception, dishonor toward the consumer. Thus, this complaint is now filed.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 any items which is found to be fraud 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. Please remove these items. 
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
Product: Debt collection

When threw XXXX and all was covered by my Medical Plan, and after 1 year they came telling me I have a balance to pay which was paid from my Medical Plan... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... {$1700.00} XXXX : FST FEDERAL CREDIT & COL. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... {$75.00} XXXX : FST FEDERAL CREDIT & COL. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. XXXX XXXX
Product: Mortgage

My wife and myself prequalified for a mortgage to buy a second home and/or a real estate investment property. We were prequalified by the following company ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Direct XXXX Cell XXXX Toll Free We made an offer on a condominium thru a local real estate company. A closing date was set but issues with the offer caused us to withdraw our offer and we did not go to closing nor did we sign any closing documents. 
From what we have been told XXXX XXXX XXXX sold our would-be mortgage to the following company ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Direct Note that we never went to closing and never signed any closing documents. Sometime around XXXX XXXX, 2017 we received notification that a new account had been added to our credit report. Further research found the credit bureaus showed we had opened a mortgage with XXXX XXXX  for the condominium we never closed on and we owed {$100000.00} for the loan. Then last week we received a letter from GMFS that we had not provided insurance for the property and that GMFS would purchase insurance for us and charge us accordingly. At the same time our Credit history shows this load and lowered our credit score negatively impacting our personal finances. 
We have been in contact with Entrafund and GMFS trying to get it cleared up on our credit reporting but to date nothing has been done. 
Between identity theft and mortgage fraud someone in this chain of events has violated a FCC law and should be held accountable. GMFS should not be able to open a mortgage loan without our consent. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Debt collection

An item was placed on my credit report by Portfolio LLC, that I had no prior knowledge of and that was fraudulent. I have filed a XXXX complaint and at this particular time, have received no resolution. I was no informed or aware of this issue or damaging mark on my credit until my expecting fiance and I were denied housing over the matter. At this time I have retained legal counsel and will be pursing the matter further, if corrective action is not taken to alleviate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX XXXX back in XX/XX/XXXX. The lease was for 39 months. My wife and I filed a Chapter XXXX bankruptcy in XX/XX/XXXX. Instead of including the XX/XX/XXXX XXXX in our chapter XXXX bankruptcy we agreed to a reaffirmation agreement with XXXX now Ally Financial. The reaffirmation agreement was signed by my wife, myself, and a representative of XXXX. Our attorney submitted the documentation to the courts on XX/XX/XXXX. I  appeared in court on XX/XX/XXXX for the order on the reaffirmation agreement. The amount of the debt to be a reaffirmed was only for the remaining payments due on the lease which matured on XX/XX/XXXX. The judge approved the reaffirmation agreement on XX/XX/XXXX. All parties were notified by the courts. The XX/XX/XXXX XXXX was then returned to the XXXX XXXX XXXX in XXXX XXXX, Nevada in XX/XX/XXXX to the original creditor and the lease was complete and finished. The bankruptcy and final decree were completed as of XX/XX/XXXX. The XX/XX/XXXXXXXX was not included in the bankruptcy due to the fact that the reaffirmation agreement was approved by the judge. 
XXXX is reporting that Ally Financial included the XX/XX/XXXX XXXX in the chapter XXXX bankruptcy and is also reporting recent activity on the account. This is illegal and against FCRA regulations. It has been well over seven years since the reaffirmation agreement was approved by the court. My bankruptcy attorney called Ally financial and spoke with a CC on XX/XX/XXXX to try and resolve the matter and was told that they did not have to change anything if they did not want to. 
My wife called Ally financial on XX/XX/XXXX and spoke with XXXX. At first he could not pull anything up in their computer system about this account. He placed my wife on hold. Once he got back on the phone he told her that Ally Financial did in fact have all the court documents including the reaffirmation agreement along with the judges approval of the reaffirmation agreement. He proceeded to tell her that unfortunately the people that handle these cases had already left for the day. XXXX then admitted that Ally financial is reporting it wrong and that he would have someone from the department that handles such a thing change the coding and correct the information being reported incorrectly. This has been going on since XX/XX/XXXX with nothing being corrected. XXXX did admit that the chapter XXXX bankruptcy notation needed to be removed. He thought perhaps maybe it should be deleted entirely due to the age of the account. XXXX informed my wife that someone from the department that handles this would correct the coding and he would put a rush on it so that the credit bureau would be notified as soon as possible. 
XXXX has also not done a proper investigationXXXX XXXX needs to look at all the court documentation and notifications from the judge and report this account as not included in the bankruptcy or delete it altogether. Again a violation of the FCRA regulations.
Product: Mortgage

I re-financed my loan mid 2020 ( moving from XXXX to Cross Country ). After closing the title company AND the mortgage company ( CC ) paid the home owners insurance. A refund was made to the mortgage company as a result of the duplicate payment yet the credit was never posted to my account. As a result CC increased my monthly mortgage payment by {$280.00} a month to account for the 'shortage ' in the escrow account. There is in fact no shortage as the double payment was credited back to my account however an escrow analysis was never completed. Since XXXX I have made multiple calls a month to the XXXX number provided by CC as well as to my local mortgage lender with no answers. IF I can actually get through ( often times after I press all the options to talk to someone the call sits on hold for 20+ minutes with no answer or it hangs itself up ) I speak to someone who refuses to allow me to speak to loan servicing who handles the escrow analysis. I have been assured multiple times that a request has been made on my behalf to servicing and that I would hear via mail within 10 business days yet no follow up has been received and my account has still not one through a re-analysis. In all my years as a home owner I have never dealt with a company with such poor customer service, poor response time and inaccurate account management. I will never work with CC again and I feel as if their business practices are unethical.
Product: Vehicle loan or lease

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

PENNYMAC is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureau. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to E-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for :
Product: Credit reporting or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Additionally, I filed a police report about these unauthorized inquires, which is attached.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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.

The following inquiries are unauthorized : XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my drivers license and current address to avoid any delays in your response time. 

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 

Thank you for your help and assistance. 
Your cooperation and prompt attention are required by law. 

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

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

Complaint Against American Express for Unauthorized Sharing of Personal Information I am writing to file a formal complaint against American Express for the unauthorized sharing of my personal information with credit reporting agencies. 

Upon reviewing my credit report, I noticed that American Express has been reporting information about my account without my explicit written consent. This practice violates the provisions of 15 U.S. Code 6802, which governs the disclosure of nonpublic personal information by financial institutions. 

Specifically : - 15 U.S. Code 6802 ( a ) states that a financial institution may not disclose nonpublic personal information without providing a notice to the consumer. 
- 15 U.S. Code 6802 ( b ) ( 1 ) requires that a financial institution clearly and conspicuously disclose to the consumer that such information may be disclosed to a third party, give the consumer the opportunity to opt out, and explain how the consumer can exercise that option. 
- 15 U.S. Code 6802 ( e ) ( 2 ) allows disclosure of nonpublic personal information only with the consent or at the direction of the consumer. 

As I do not recall receiving such notice or providing written consent, I contacted American Express and requested that they provide me with the following : 1. A copy of the written permission I provided to American Express authorizing the sharing of my personal information with credit reporting agencies. This could be in the form of : - A signed authorization form. 
- A section within a loan or credit agreement explicitly stating my consent. 
- Email correspondence where I clearly express consent. 
- A recorded phone call where I explicitly agree to the sharing of my information. 
- Digital records showing my electronic consent with a timestamp and IP address. 
2. The date on which I granted this permission.

3. Any other relevant documentation or records that support their authority to report my account information to credit reporting agencies. 

I requested that American Express provide this information within 14 days. Failure to comply will leave me no choice but to pursue legal action for invasion of privacy through public disclosure of private facts due to their inability to prove that I provided consent for the sharing of my private financial information, as well as any other applicable legal remedies. 

As of now, I have not received the requested documentation or confirmation that American Express has ceased sharing my information and has notified the credit reporting agencies to delete any reported information. 

I am seeking the CFPBs assistance to investigate this matter and ensure that American Express complies with the legal requirements under 15 U.S. Code 6802 and stops unauthorized sharing of my personal information. Additionally, I request that any incorrect information reported by American Express to the credit reporting agencies be promptly deleted. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone got a hold of my personal info and opened accounts under my name while doing check fraud.
Product: Checking or savings account

XX/XX/year> asked Marcus by Goldman Sachs to with drawl {$480.00} from XXXX XXXX XXXX XXXX but the transaction was done twice. So on XX/XX/year> I asked XXXX XXXX to have {$480.00} sent back to my checking account for Marcus Sach which was done. Ever sine then my account at Marcus Sachs has been Frozen. Even though operating engrs was the back I sent Goldman sachs the first deposit to open the account and have also done other deposit from that account to them. Called Marcus on XX/XX/XXXX to get it unfrozen spoke to a account person said I had to do a 3 way call with XXXX to get it unfrozen which I said ok but XXXX does not do them. So on XX/XX/XXXX I spoke with a supervisor that said she could see transfers from XXXX before so this should not of happened and that in 5 working days it would be unfrozen. So XX/XX/XXXX spoke with XXXX and he said this should not of happened and that he would expedite it. I still can not access my money I have made about 10 phone calls with no success number called is XXXX XXXX XXXX
Product: Checking or savings account

Chase Bank Checking account holder encountered several fraudulent transactions from XX/XX/XXXX to XX/XX/XXXX. This was brought to the attention of the bankers at the Chase Bank Branch in XXXX XXXXXXXX XXXX  on or around XXXX XXXX XXXX Included in these transactions were seven fraudulent new check book printing requests made with seven separate fraudulent charges of {$41.00} for each fraudulent transaction made on the account. The account was frozen for debits at the request of the account holder, pending credits to be claimed for the seven fraudulent {$41.00} transactions. Since the time of the first request, account holder has been to the branch three times, interacting with XXXX XXXX and XXXX XXXX on three separate occasions, spending several hours during each visit. Account holder was promised a credit, but to date, i.e. XX/XX/XXXX, no credit for the fraudulent transactions allowed by the bank has been given. In this period, on XX/XX/XXXX, Chase Bank unilaterally, and without authorization from the account holder, closed the said account and sent a check for the proceeds in the account without giving credit to account holder for the seven fraudulent transactions. Account holder is asking : a ) Why was account closed without authorization? b ) Why was credit for fraudulent transactions not given when it was due to oversight on the part of Chase Bank? c ) Why was claim not submitted by Chase Bank to get a credit for the seven fraudulent transactions amounting to {$290.00} ( XXXX X XXXX ) in spite of account holder interacting with Chase Banker XXXX and XXXX XXXX on three separate occasions? Kindly help me get a credit for the said seven fraudulent transactions amounting to {$290.00}, and make me whole.
Product: Checking or savings account

My checking account is through Huntington Bank. My Mortgage is with XXXX XXXX. I received a call from XXXX on XX/XX/XXXX indicating that my payment was not received. I sent my payment using bill pay offered by Huntington Financial on XXXX but XXXX never received it. At this point, Huntington is charging XXXX in late fees. I called Huntington and they are putting back the money they withdrew from my account on XXXX but are refusing to take responsibility to cover the fee from XXXX. Huntington Bank chose to send the payment via mail and not electronically and is not taking responsibility for losing mail ( check ). Their response to this matter is that we are not responsible for the payment to get to its destination. I was with TCF bank for over 15 years before that and never had a single issue. TCF merged with Huntington in the fall of XXXX and Huntington took over customers and accounts. As soon as this happened, I am having issues and Huntington does not want to take responsibility.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 
Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.