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

I am writing to formally file a complaint regarding unauthorized credit inquiries made by three financial institutions : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX  all reporting on my TransUnion credit report, dated XX/XX/XXXX. These banks made hard inquiries on my TransUnion credit report without my knowledge or consent, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which governs permissible purposes for credit inquiries. Under the FCRA, a creditor must have a legitimate purpose, such as my explicit authorization, a credit transaction initiated by me, or a court order, to access my credit report. I have not applied for credit or had any transactions with the aforementioned banks that would justify such inquiries. Their actions are in direct violation of my consumer rights. The following case law is relevant to my complaint : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) - in this case, the XXXX circuit ruled that the Fair Credit Reporting Act does not allow for a credit inquiry without a permissible purpose. The court held that accessing a consumers credit report without explicit authorization or a valid credit-related reason is an FCRA violation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) - The XXXX Circuit ruled that companies that make unauthorized inquiries or do not have a valid reason for obtaining consumer reports can be held liable for violations of the FCRA, reinforcing the need for consent or a permissible purpose under 15 U.S.C. 1681b. XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) - This case reaffirmed that unauthorized inquiries into a consumers credit history violate the FCRA, and the consumer is entitled to statutory damages and other relief if the inquiry was made without consent or legitimate reason. These hard inquiries have negatively impacted my credit score, and I believe I am entitled to relief, including the removal of these unauthorized inquiries from my credit report and any statutory damages as provided under the FCRA. I am requesting that the CFPB Investigate this matter and hold these institutions accountable for their unauthorized actions and furthermore, remove and delete these inquiries off of my TransUnion credit report. Please provide me with updates on the investigation and let me know if any further information is needed. Thank you for your time and assistance in this matter. Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I received my XXXX from US Bank Home Mortgage, for account number XXXX, which stated on the annual tax and interest statement the escrow overage of {$2400.00} was disbursed. When I did not receive this disbursement by XX/XX/XXXX, I contacted customer service at XXXX. I explained that I had not received this disbursement and was concerned. I was told I would be issued another check within XXXX business days. I asked if the check was cashed by an unauthorized party and was told they was no way of knowing. 

On XX/XX/XXXX, I did not receive a re-issued check for my XXXX escrow overage and contacted customer service. At this time I was told a letter was sent to me explaining the original check was cashed I would not receive another check. I explained that I never received the original disbursement and needed to speak to the fraud department. I was left on hold for a half an hour before the call was disconnected. I have never received any correspondence in reference to this matter. I recalled customer service and was told there is no fraud department for the escrow disbursement, but a work order would be initiated and my overage of escrow check would be re-issued on Friday XX/XX/XXXX and would be received in XXXX business days. 

On XX/XX/XXXX, I still did not received my escrow overage disbursement check and called customer service. I was again told that a check would not be issued because the original was cashed. I again explained that I have not received or cashed this check. I also, explained that I have received no correspondence about this fraudulent activity and requested US Bank Home Mortgage submit written correspondence about this matter to me.
Product: Credit card

I closed my Capital One credit card account because the company had a hard time accepting my identification, they didnt accept my temporary ID because of my original being expired, and they do not accept passwords, therefore they put restrictions on my account and I wasnt able to access my credit. When I close my account, they owe me my security deposit But I have yet to get a response back from them on where my money is
Product: Credit reporting or other personal consumer reports

I Requested validation of this debt as allowed per the FCRA section 609 and the fdcpa.

Despite Previous correspondence the collection agency Lvnv funding LLC has only provided a billing statemen of the alleged debt, and has failed to provide the original contract.as me being a previous victim of identity theft. I always request all documents for my own file. Additionally, LVNV funding. LLC has failed to provide documented ownership of the debt, proof of their license or right to collect on the debt in my state, and proof of any previous payments made on the debt. Their failure to provide this information within the required timeframe is a clear violation of the FDCPA. Furthermore, LVNV Funding LLC has continued to contact me through true accord regarding this debt despite me requesting for them to cease communication. They are texting me as i type this .which i have documented. Their continued contacts constitutes harassment.moreover, LVNV funding LLC has even failed to report to the bureaus that the two alleged debts were in dispute.as such, I demand {$1000.00} for their non compliance and harassment. Additionally they are reporting a balance on a collection account. ( two collection accounts by them ( XXXX XXXX XXXX ) this is misleading and inaccurate reporting.LVNV has violated me in many ways. So i request they delete these accounts off of my credit report. Thank you for your prompt attention to this matter.
Product: Checking or savings account

They continually put a fraud hold on my account even though Im standing at the register with my card in my hand verifying 20 different ways on the phone with them they still hold my money XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that handle customer service do this intentionally as an intimidation tactic they are XXXX  and citi is just as XXXX of a company. Im out of town with no access to my money bc of this XXXX of a so called bank. Theyre a bunch of XXXX XXXX
Product: Checking or savings account

On XX/XX/year> we were contacted by a criminal who frauded our Bank of America savings account through two wire transfers of one for {$48000.00} and another one for XXXX were contacted by phone that these transactions were hiidden in our accounts and needed to be brought to our attention so that the bank could see them and then they would be voided. We have been banking with Bank of America for over 50 years and have never made a wire transfer ever so this was very confusing to us they went so far as having the bank call my husband cell phone number with the banks number on it to verify that this was the bank and I needed to follow these instructions. This all occurred after XXXX XXXX  on XX/XX/XXXX being very suspicious I kept checking our accounts and at XXXX on the XXXX I realized the money was gone and immediately contacted the bank to freeze our accounts and stop the wires. According to bank policies we were never contacted to verify if these wires were indeed valid nor did we contact the bank as per their policies to send these wires. The wires were sent at XXXX on the XXXX I called at XXXX to stop them we have received the XXXX back but not the {$480000.00} and can not get any information back from the bank and where our money is. We are XXXX and XXXX XXXX XXXX we just retired and have been victims of a horrendous fraud we need help! Bank of America did not take the necessary steps to protect us the funds should have never been released it even states on the paper work any wire done after XXXXXXXX XXXX. would not go out until the next business day which would mean they could have been stopped. Why would have these been flagged in 50 years we never made a wire transfer and two large transfers done after XXXXXXXX XXXX. should have been a warning, Please we need help Also at XXXX XXXX  after our accounts were frozen they attempted to make another {$75000.00} wire transfer which we then received a text stated it had been denied we never received any type of text from Bank of America for the other two wire asking if these were legal wire transfer which we of course would have denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempt. My next step is to hire. Frca attorney, the law is for all medical bills under XXXX be remove from consumers credit report. It clearly stated on Equifax website. Remove all medical bills off my credit report immediately. 

The law. 

Two-thirds of medical collections on credit reports will no longer be reported. Starting in 2023, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, This dispute has to do with a past dispute with XXXX XXXX. After receiving the information from XXXX XXXX regarding an alledged debt of {$6100.00}, I reached out to XXXX XXXX directly to discuss a settlement and then they notified me that my account was taken over by Sentry Credit, which I received any notice of this. Even the letter that was received through the XXXX  with my last dispute with XXXX XXXX did not state anything about selling the debt to a debt collector. 

Also, as you can see attached is a copy of my credit report from my mortgage lender, and it shows that XXXX XXXX is the one reporting on my credit, not Sentry Credit. How am I able to settle a debt with a collection agency that is not even listed on my credit report? In this situation, I would have paid Sentry Credit and XXXX XXXX would still report to the credit bureaus, which is wrong. Also, the credit report is stating the debt is {$6100.00}, not {$6100.00}. 

Lastly, as I stated in my last dispute, that XXXX and XXXX recognized this as a invalid debt and removed/deleted XXXX XXXX from my credit profiles so XXXX should do the same. 

I believe that Sentry Credit, XXXX XXXX, and XXXX are violating a few different laws here. I just want the resolution of this XXXX XXXX account to be rightfully deleted/removed from my XXXX credit profile so I can move forward and close on my house which the date is supposed to be XX/XX/26, but I can't move forward without removing/deleting this account from my XXXX credit profile. Please help me resolve this situation as soon as possible. 

Thank you! 

Best, XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Amount : {$6100.00}
Product: Checking or savings account

When I was younger I had an interest bearing savings account with XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX at a branch in XXXX, New Jersey. I went off to serve in the military and during that time period the bank merged with another bank and relocated. I recently located the passbook for the savings account. 

The funds were insured by the XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) and its responsibilities were transferred to the Federal Deposit Insurance Corporation ( FDIC ) so last month I contacted the FDIC and received an email on XX/XX/XXXX stating my issue was under direct supervision of the Consumer Financial Protection Bureau. Also my correspondence had been forwarded to the Consumer Financial Protection Bureau ( see below ) it has been more than XXXX weeks and I have not received a response therefore I'd like to know : a ) What bank did XXXX XXXX XXXXXXXX XXXX XXXX XXXX finally merge with? Based on the heading of the email I received from the FDIC it stated Bank of America but the FDIC did not provide any details. 

b ) The passbook for the savings account has my name, the account number and balance on it therefore what is the process for getting the funds?

c ) Since it was an interest bearing account am I entitled to receive the interest that has accrued over the years?

Note - Attached is copy of the passbook needed to resolve this matter.

I appreciate you taking the time to address my concerns.

Thank you, XXXX XXXX XXXX XX/XX/XXXX Ref. No. : XXXX Re : Bank of America , National Association ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Dear XXXX XXXX : Thank you for your correspondence, which was received by the FDIC 's Consumer Response Unit.

The FDIC 's mission is to ensure the stability of and public confidence in the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since XXXX. We are responsible for supervising state-chartered, FDIC-insured institutions that are not members of the Federal Reserve System.

Based on our review of your correspondence, the entity you referenced is under the direct supervision of the Consumer Financial Protection Bureau. We are closing your case with the FDIC and forwarding a copy of your correspondence to the Consumer Financial Protection Bureau at the address below : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Website : www.consumerfinance.gov XXXX : XXXX Please direct any future concerns to the Consumer Financial Protection Bureau. Thank you for taking the time to submit your correspondence. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Deposit Insurance Corporation Telephone : ( XXXX XXXX XXXX
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 15 USC 1681. 

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 XXXXXXXX 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.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 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 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 : 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 this fraudulent account in my report and EQUIFAX 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, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is 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 this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items is being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX XXXX  Experian. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with XXXX XXXX. XXXX of 2021 the vehicle was in an accident and paid by the insurance company as totaled. At the time of the car loan, XXXX sold me XXXX protection and stated it would cover everything insurance didn't pay. Unfortunately this was not true and {$270.00} remained owed. But the issue with this, is XXXX NEVER told me I owed it. At all. They removed the account from my online account and never called or mailed any letters about the balance owed and instead opted to report this on my credit report. I talked to several managers who admitted this should not have happened and even provided supporting documentation. However, the issue still remains on my credit account. I spoke to a manager again, and they stated even though this is incorrect, there is nothing they can do for my report and I'd have to wait XXXX  years for it to fall off.
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 15 USC 1681.

XXXX XXXX XXXXXXXX - account number- XXXX XXXX XXXXXXXX - Account Number- XXXXXXXX XXXX - Account Number- XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account XXXX XXXX- Account XXXXXXXX XXXX- Account XXXXXXXX XXXX XXXX- Account XXXXXXXX XXXX XXXX XXXX- Account Number- XXXXXXXX XXXX XXXX XXXX  XXXX -Account Number- XXXX XXXX XXXX XXXX XXXX- Account Number XXXX XXXX XXXX XXXX XXXX- Account XXXXXXXX XXXX XXXX - Account XXXXXXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX- Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX- Account Number- XXXX XXXXXXXX XXXX- Account XXXXXXXX XXXX XXXX  Account Number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

In XXXX of 2021, I received notice from XXXX, noting that I had opened an account with XXXX XXXX - XXXX XXXX ; XXXX XXXX, XXXX XXXX, CA XXXX. 
I had never heard of XXXX XXXX, nor had I applied for credit with them. I tried to call XXXX XXXX, but the telephone number listed online was not valid. 
I alerted all three credit bureaus : XXXX, XXXX and Experian, that this was a case of fraud. 

Now, XXXX months later, this is still showing on my credit report with Experian, and also shows that I am deliquent in my payments. 

Again, this is a case of fraud. I have NEVER opened an account with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the follow accounts have violated my rights : XXXX XXXX. Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX. Account # XXXX and account # XXXX 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Dear AFFIRM INC I am writing to formally dispute an inaccurate entry on my credit report. The account with AFFIRM INC and account number XXXX  This inaccurate reporting is negatively impacting my credit report. 

I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. 

I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. 

Thank you for your assistance.