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

I received another inquiry on my credit report that was not authorized. I am a victim of identity theft. I have a police report number for a report filed with the XXXX Police Department which is : XXXX This inquiry was not authorized by me. 

I have attached letters from other creditors showing their investigation results.
Product: Mortgage

Years ago, I experienced damage to my home, filed an insurance claim, did the repairs and never received the insurance check from XXXX to reimburse my expenses. Turns out the {$31000.00} check was sent directly to an attorney affiliated with Select Portfolio Servicing, XXXX XXXX, and not to me. Efforts to receive my funds back have gone ignored for years upon years now. I would like these funds returned now please.
Product: Credit reporting or other personal consumer reports

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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX account ( Account Name & Number as shown on your 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX, DOB XXXX XX/XX/XXXX ) In XXXX of XXXX I made a call to XXXX XXXX  to make a payment on a collection account, I also asked XXXX XXXX  for a pay off letter because i need this removed from my Credit report However they failed to do so.. And I am still struggling to get this account removed from my report which is affecting my score. I called a second time in XX/XX/XXXX for the pay off letter and I still have not received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file two FCRA violations against Equifax. On XX/XX/XXXX, Equifax got from me a ''Request For There Method Of Verification '' as pertains to an account that I allegedly had with XXXX  XXXX XXXX account number XXXX. I requested there method of verification as this account was not been reported accurately on my credit report and I asked them to delete it from my credit report but they refused and so I asked them for ''There Method Of Verification '' and once again they refuse to provide me with that information. With this complaint I am submitting proof that Equifax got my request for the method of verification on XX/XX/XXXX. XXXX. On XX/XX/XXXX I got a letter from Equifax stating that they will not investigate the matter further and that the matter is been reported accurately on my credit report AND THEY DID NOT INCLUDE THERE METHOD OF VERIFICATION AS REQUESTED OF THEM ON XX/XX/XXXX. 
This is a clear FCRA violation as the Fair Credit Reporting Act states that the credit bureau should provide me with there method of verification within 15 days of the request. 
I have uploaded a copy of the Fair Credit Reporting Act and highlighted the areas in which Equifax has committed a violation of the Fair Credit Reporting Act. 
The Fair Credit Reporting Act also states that if the account information is incomplete or inaccurate then the credit Bureau should delete the account from the person 's credit report. This account is incomplete as there is no payment/account information between the periods of XX/XX/XXXX and XX/XX/XXXX. The current status of the account is that the account has been paid off but this information is not reflected in the payment and account section. Equifax is unable to provide me with there method of verification and the Fair Credit Reporting Act states that if the item is unverifiable then it should be deleted. It seems as if they are unable to verify the matter as they are unable to provide me with there method of verification but refuse to delete the item from my credit report and that is illegal. I have highlighted the areas in which there is a FCRA violation. 
This is the final time that I will file a complaint against Equifax as it relates to this matter. This complaint will serve as evidence in a court of law that I brought the matter to Equifax and they did nothing about it. If Equifax fails to delete this item from my credit report then I will be forced to take legal action against them so as to recover damages
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the Fair Credit Reporting Act, 605 Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years I have requested XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. XXXX  XXXX Bankruptcy - XXXX # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Mortgage

Cross Country Mortgage has changed its servicer and its website doesn't work. They continue to charge me for an insufficient fund fee because the only way to turn off auto pay is through the website which doesn't work. I have made my payments ahead of the due date and informed them via phone multiple times that the account is no longer active and I would like to cancel auto pay.
Product: Credit reporting or other personal consumer reports

There is an account that I keep disputing that comes back verified. This is not was not will not ever be mine it's such a miminal amount i wouldn't let affect my credit when I owe THOUSANDS on other debts that I have exceptional payment on. Verified how with who not me not mine FRAUD that I can't get removed. 
payment history speaks for its self.
Product: Credit card or prepaid card

I received a letter in the mail from BMO Harris Bank in late XXXX, XXXX, that stated I had opened up a new account for a BMO Harris Bank Platinum Rewards MasterCard ending in XXXX. I had never even heard of BMO Harris Bank until this point, and was not in the market for a new credit card and did not request new credit nor apply for new credit. 

I then received in the mail a letter from BMO Harris Bank stating that a balance transfer request was made on the new account. Again, this is not something I had requested. 

I finally received a third letter from BMO Harris Bank indicating there was a {$7700.00} balance transfer on this account along with {$310.00} in fees. 

I have called BMO Harris Bank now XXXX different times to discuss this matter. All XXXX  times, they kept transferring me around to different people, finally stating that I needed to go to a physical bank branch of theirs to verify my identity so that they could close the account and mark it as fraud. However, I don't live anywhere near a branch, and find it very concerning that they let someone else open a fraudulent account in my name, yet can't seem to close the account without me driving XXXX hours to a branch. 

I have also reached out to all XXXX credit bureaus to let them know of this fraud, and have frozen my credit report until further notice so that nothing else can be done. However, my credit score has dropped significantly because of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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: Money transfer, virtual currency, or money service

Date of initial claim of fraudulent charges : XX/XX/year> Actions taken : *Reported fraudulent charges to B9 customer support on XX/XX/XXXX. 
* Dispute initially denied and account closed due to alleged failure to safeguard my account. 
* Contacted B9 again requesting managerial review and account reopening. 
* Dispute was reopened, but account remained closed. 
* Received notification on XX/XX/XXXX of a provisional credit applied to my account. 
* Requested access to the provisional credit but was denied due to closed account. 
* B9 offered ACH transfer but later reversed course. 
* B9 reversed denial of fraudulent charges but has not returned the funds to my bank account. 
Current status : * B9 claims the disputed funds are available in my closed account. 
* I am unable to access my funds despite B9 acknowledging the fraudulent activity.
Product: Debt collection

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized Accounts : Account Name : XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$1800.00} Accoount Number : XXXX Account Name : XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$570.00} Accoount Number : XXXX Account Name : XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$3500.00} Accoount Number : XXXX Account Name : XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$3700.00} Accoount Number : XXXX Account Name : XXXXXXXX XXXX  When Account Was Open : XX/XX/XXXX Amount : {$1500.00} Accoount Number : XXXX Account Name : XXXX XXXX XXXX XXXX - When Account Was Open : XX/XX/XXXX Amount : {$3500.00} Accoount Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent inquiries on my credit report, which I firmly believe to be in direct violation of the Fair Credit Reporting Act ( FCRA ), a federal law designed to ensure the accuracy and fairness of credit reporting. Upon reviewing my credit report, I have identified several unauthorized inquiries that I did not authorize or consent to. 
The FCRA, under Section 604, grants consumers the right to receive disclosure of information in their credit files upon request. As such, I am formally requesting a complete and accurate disclosure of all the information in my credit file, including the nature and details of the fraudulent inquiries, as required by Section 609 ( a ) of the FCRA.

Furthermore, Section 611 of the FCRA allows consumers to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right and requesting a thorough investigation into the fraudulent inquiries in question.

According to Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I demand that you promptly conduct a diligent investigation into the legitimacy of these inquiries. This investigation should include verification of the authorization obtained from me or any other appropriate documentation proving the legitimacy of these inquiries.

In accordance with Section 611 ( a ) ( 1 ) ( B ), I request that, upon verification of these inquiries ' fraudulent nature, you remove them from my credit report immediately. Additionally, I expect you to notify all three major credit bureaus, namely XXXX, Experian, and XXXX, of the removal of these fraudulent inquiries to ensure the accuracy of my credit file. 
I am also seeking written confirmation of the investigation results and any actions taken to rectify this matter. According to the FCRA, you are obligated to provide me with a written response within 30 days of receiving this dispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ).

Please be advised that any failure to comply with the FCRA 's provisions may result in legal action and reporting of your non-compliance to the appropriate regulatory authorities. 
I have enclosed a copy of my credit report with the suspicious inquiries highlighted for your reference. If any additional information or documents are required to facilitate the investigation, please inform me promptly. 

I trust that you will handle this dispute with the utmost seriousness and in strict adherence to the provisions of the FCRA. I expect a comprehensive investigation and a swift resolution to correct my credit report accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a mortgage through Pennymac. Long story short... I went through a very XXXX divorce from my ex. I suggested to the judge to award him the home and he was to have it refinanced. I moved out of the house in XXXX. I have HARD, SOLID proof that the FIRST date of delinquency on this loan was in XXXX of XXXX, yet after having disputed this with XXXX and Pennymac - NUMEROUS times ; I have yet to get a clear, concise resolution as to why they are still listing the first date of delinquency as XX/XX/XXXX. I was unaware of anything that had taken place on this loan because I had moved out and had no communication with my ex. My professional career is contingent on my credit history. I can not understand how I have proof of the first delinquency date, THAT I SENT TO THEM, and yet it still shows on my XXXX credit report. XXXX is the only bureau still reporting this and Pennymac is not helping - in the aspect of accepting my HARD proof as evidence that the information is absolutely incorrect. I've written both companies and to no avail had any progression. I want the CFPB to investigate it. It is causing me financial and personal stress. I just want Pennymac XXXX XXXX to be responsible enough to admit that the information they're reporting is in fact INCORRECT & AN UNFAIR PRACTICE and to FIX IT!
Product: Checking or savings account

Funds Deposited in my account on XX/XX/2023 and on XX/XX/2023. 
I made funds transfers on XX/XX/2023 and two ( 2 ) on XX/XX/2023. 

I added a backup email to my account along with a back up telephone number. 

3 days later my account was blocked, I spoke with several account representatives to rectify the, issue. on XX/XX/2023 spoke with a account representative and was told I could go into a branch to prove my identity because I could not log in. XX/XX/2023 I went into the bank and presented my ID and was told the issue would be fixed. Problem still persisted although I can now log in but I can not complete any transactions.
Product: Debt collection

I received a letter from Capital One dated XX/XX/year> stating that they have sold my information to a third party. This is a direct violation of my right to privacy as I did not consent to have my personal and private information shared with anyone. Pursuant to 15 USC 6802 ( b ), financial institutions shall not disclose nonpublic personal information to a nonaffiliated third party unless the financial institution clearly and conspicuously discloses to the consumer that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Unfortunately I was never given the opportunity to state whether or not I want my information given to a nonaffiliated third party, nor was I told how I can exercise that right.

Pursuant to 15 USC 6803 ( a ), financial institutions shall provide an annual privacy policy disclosure, however I have not received a disclosure from Capital One whatsoever. If the account has just now been sent elsewhere, then I have should have been receiving annual disclosures pertaining to their Privacy Policy while the account was opened.

Capital One has deprived me of my rights which is a crime pursuant to 18 USC 242.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit reports and the two closed XXXX  XXXX accounts ending in XXXX and XXXX are still reporting in the payment history.The closed XXXX  XXXX account ending in XXXX closed on/in XXXX XXXX closed XXXX  XXXX account ending in XXXX closed on/in XXXX XXXX.Not sure why XXXX XXXX is still reporting on these closed accounts, but it needs to stop.It sounds like XXXX  XXXX is still reporting to extend the removal dates.This may have caused current higher interest rates or denial of credit because of the erroneuos information.
Product: Credit card or prepaid card

I called requesting a refund of the credit balance on my account, Automated had to transfer me to live agent, her name was XXXX. I came through verified so she only ask my name. Once I ask to have my credit refund mailed to me she went into 100 verification mold. I told her to send to the address on file where I have been getting my statements and making my payments.
Product: Debt collection

I filed a complaint with the CFPB in XXXX, the company responded to the complaint saying they would take specific actions they did not take. 

The CFPBs debt collection rule requires debt collectors to take certain steps before reporting a debt to a credit reporting company. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company, provided they follow other laws about credit reporting. This is not what occurred with ProCollect in XXXX, or today in XXXX. 

Please review my initial complaint. The company sent me a letter, I contacted them directly to dispute the debt, as I had no knowledge of the debt whatsoever. I filed a complaint with the CFPB and contacted the credit bureaus to dispute the charge. The charge was only placed on XXXX and XXXX removed the negative information from my credit report as required by law. 

Years later, ProCollect added the debt to my XXXX and XXXX credit reports and earlier this month reported the debt to XXXX. I have disputed the charge with all three credit bureaus.
Product: Credit reporting or other personal consumer reports

Equifax information Services Credit Reporting Agency ATTN : Disputes Department XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Notice to Correct Credit Report Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681 of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Company Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Comments Fraudulent Account Fraudulent Account Fraudulent Account Fraudulent Account Fraudulent Account Remove all fraudulent inquiries listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Also, 15 USC Section 1681 ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report.

Additionally, 15 USC Section 1692c ( c ) states t
hat if a consumer notifies a debt collector that the consumer refuses to pay a ( fraudulent ) debt, the debt collector must cease all communication.

Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.