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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$25000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 73 Months Company sold - Original creditor - Comments - Your statements -
Product: Mortgage

Over the past several years, I have made multiple requests to my mortgage lender, Freedom Mortgage, to drop private mortgage insurance from my monthly statements. I have never missed a payment in the 9 years of the loan and actually reduced the LTV on the mortgage to below 78 % years ahead of schedule. Today, the LTV on the loan is 71 %, but Freedom Mortgage refuses to drop PMI unless I pay for an appraisal proving my home 's value ( which has only increased over the years ). I have repeatedly refused to pay for an appraisal, because my understanding is that PMI must be removed automatically at 78 % LTV, which was achieved approximately 3 years ago. At {$86.00} per month, I've paid over {$3000.00} in additional PMI since it should have been removed. In hindsight, an appraisal would have cost me much less, though it isn't required once LTV reaches 78 %, and I don't want to give Freedom Mortgage the satisfaction of bullying me into another unnecessary expense.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the handling of my account by XXXXXXXX XXXX, as well as the inaccurate information being reported to the credit bureaus. Despite my repeated efforts to address this issue, XXXXXXXX XXXX  has failed to resolve the matter and continues to report fraudulent and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : Failure to Address My Appeal : I contacted XXXXXXXX XXXX to understand why my appeal to correct the fraudulent account was denied. I was informed that the appeal was denied due to a lack of information. However, I provided all requested documentation via fax, including supporting evidence proving the account does not belong to me. 

Inaccurate Reporting : The information reported under the aforementioned account ( XXXX ) is fraudulent and does not reflect any authorized or legitimate activity on my part. Reporting such inaccurate information violates the FCRA, which mandates that all information reported by consumer reporting agencies be accurate, complete, and verifiable. 

Lack of Action by XXXXXXXX XXXX  : Despite my providing documentation and multiple follow-ups, XXXX XXXX has failed to take appropriate action to investigate and correct the inaccuracies. This lack of response and accountability has caused harm to my credit profile and financial well-being.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX SS # XXXX dob - XX/XX/XXXX  You are in Direct Violation of The Fair Credit Reporting Act ( CAVALRY PORTFOLIO SERVICES - XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

I have sent proof that this is not my account. This is a fraudulent account opened in my name and I would like it removed.
Product: Debt collection

I was unaware of this balance until i pulled my credit report. I provided a forwarding address when i moved from XXXX XXXX but i never received an itemized bill or any correspondence therefore I was lead to believe everything was okay. After seeing this on my credit I called the properties management company to ask what the balance was for I was then told they could not help me since it was now in collections. After being told this I mailed a letter to IQ DATA INT asking them to provide proof of this debt by sending me the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

IQ DATA INTI has never responded to my request.
Product: Checking or savings account

On XX/XX/21 I opened a savings account with VIO Bank at 0.66 % APR. After I transferred {$350.00} from my XXXX XXXX XXXX  Checking account I received a notice from VIO Bank that they were closing my account for " Business Reasons. '' Since then I have been unable to access my money and I was told that I won't get my money retuned until ~XXXX. Additionally, VIO Bank said my money will not earn any interest. 

Is this legal ( they are holding my money interest free for over a month )? 

Please advise as to my alternatives. 

Ref : VIO Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$710.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I had been getting fradulant charges from " XXXX XXXX '' for small amounts. {$4.00} here, {$9.00} there, {$0.00} here, for months and months. These charges were not actually from XXXX ( which is why I let them slide for so long ). I do actually have several recurring charges so that's why they went unoticed. It wasn't until I got like XXXX charges from XXXX XXXX  XXXX each charge that i began questisoning and called the number on my statement. I even got texts from wells fargo stating, is this a verified charge? several times and i said it was not. so wells fargo knew and never blocked these charges. anyway over time i have gotten charged over {$500.00} and they have the nerve to mail me saying they completed an investigation, and that these were fradulant charges, but they can only reimburse within 60 days of when the fradualant activity began. which is only {$53.00} out of over {$500.00}. they are saying i notified them on XXXX but i had notified them when i noticed the charges. also, i called and asked if i had to cancel and get a new card. the lady told me no, all i have to do is have her block " XXXX '' and they wont be able to charge my card. the NEXT day, i had over {$200.00} worth of charges. Wells Fargo is already in trouble for scamming people and being fraduaulant and as soon as this complaint goes through I'm moving to a new bank. They said there is nothing they can do and to consider my case closed. Please help me get my money back. 

Thank you
Product: Mortgage

On XX/XX/XXXX I received an email from Wells Fargo that lender-placed insurance on my home was renewed. The cost of their insurance is almost {$1700.00} a year, which would be in addition to the homeowner insurance I have on my home with XXXX ( which is less than {$1000.00} ). Their email notes that Wells Fargo adds the cost of their insurance to our mortgage payment. I am our home 's title owner and have third-party authorization for the mortgage, which I have paid since XXXX. 

I had submitted the required Proof of Insurance to Wells Fargo 's online service at mycoveredinfo.com and the return email stated that they were unable to proceed and that I would need to resubmit the documentation. The contact phone number on their website turned out to be an automated line for making payments or checking status, with no option to speak to a person. 

Today I contacted my insurance provider, XXXX, who assured me that my home has been insured through them continuously since XXXX of XXXX. I don't want to pay this additional amount on our mortgage for expensive, lesser insurance since my home is already fully covered under the policy I chose. The XXXX representative reached out to Wells Fargo while I was on the phone, asking what format they would like to see the documentation in and to clarify the XXXX address, in case they got it wrong. The Wells Fargo representative acknowledged that our home is covered, yet would not speak to the public as it was not a customer line. It is still unclear what the problem is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Trans Union failed to respond to my dispute request that I sent certified mail - XXXX XXXX XXXX XXXX XXXX. 

XXXX. Trans Union failed to verify that XXXX XXXX and XXXX XXXX accounts were accurate. 

XXXX. Trans Union never provided a notarized investigation report for XXXX XXXX and XXXX XXXX instead they sent a Investigation Results pages. 

XXXX. Trans Union stated XXXX XXXX was late XX/XX/XXXX then removed this late date of XX/XX/XXXX and change the date to XX/XX/XXXX. 

XXXX. Trans Union stated XXXX XXXX was late to XX/XX/XXXX after ( XXXX ) dispute requests however they never notified me they switched the date. 

XXXX. XXXX XXXX provided a payment log to Trans Union. In this payment log I was never charged a late fee for XX/XX/XXXX or XX/XX/XXXX because I was never late. 

XXXX. XXXX XXXX XXXX has never provided a payment log and I have never been late. 

XXXX. XXXX XXXX XXXX also stated I was late XX/XX/XXXX and then they switched the late to XX/XX/XXXX on my XX/XX/XXXX XXXX credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts AND INQUIRIES deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We had a front door installed with a charge date of XX/XX/19 in the amount of {$2600.00}. The actual installation took place early in XX/XX/2019. At that time when the installation was completed we responded to Home Depot the door seller and installer that we were unhappy with the installation and that we were filing a dispute with Citi ( the credit card company where we charged the door and installation ) in the amount of {$650.00}. This is the cost of the installation charged by Home Depot.  The door itself was very nice and we had no issue with the door. We were then contacted by Home Depot where we explained that the moulding around the door that we paid for was the wrong size and did not cover their work. In addition, the door threshold looked like a 2x4 ( unsightly ) and was dangerous in that someone could easily trip over it. A Home Depot representative said he would talk to his manager -  nobody ever called back or re-contacted us. I have enclosed pictures of the problems also sent to Citi. I  also sent letters to Citi ( enclosed ). The only response during this whole issue from Home Depot was that we could not dispute the charge because we picked up the merchandise which we then proved was untrue ( documents enclosed - the installer delivered the door on the date of the installation ). Citi then  sent us a letter requesting additional information by XX/XX/2019 which we sent by XX/XX/2019 ( documents enclosed ). After that Citi having received all of this information ( pictures, letters, documentation ) sent a final letter indicating we should go to Home Depot or other means to obtain the credit ( letter enclosed ). In summary, it appears Citi never had any intention of assisting us and it does appear to me that Citi must have some kind of special relationship with Home Depot. It does not appear that Citi takes the dispute process seriously.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of accounts and inquiries associated with my name that were fraudulently opened or incurred as a result of identity theft. My personal information was compromised in a data breach, leading to unauthorized activities on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts and inquiries blocked and removed from my credit report.

The following accounts are fraudulent and should be deleted from my file : XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$00.00} XXXX. XXXX XXXX XXXX  Account XXXX : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$670.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$560.00} Additionally, the following credit inquiry was not authorized and must be removed : XXXX XXXX Inquiry Date : XX/XX/XXXX
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. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed has violated my rights. 

XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX  Account number 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again, is the incorrect information being reported : Credit Systems XXXX XXXX. # : XXXX / Bal. {$0.00} Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated ( insert today 's date ) is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regard to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-22 between hours of XXXX. I contacted creditors and credit bureaus. Inquiries on my credit report were made without my consent.