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

Re : Urgent Request Fraudulent and inquiries block under section 605B of the FCRA Account in Dispute : Reported Balance : {$500.00} Account in Dispute : XXXX XXXX XXXX XXXX Account # : XXXX Reported Balance : {$810.00} Account In Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$400.00} To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identify theft. The inaccurate information is causing significant harm to my credit, and I expect immediate correction action. 
Per section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within ( 4 ) business days from the date of receipt of this letter. 
Account in Dispute : XXXX XXXX XXXX XXXX Account # : unable to see acct number info on Equifax website Reported Balance : {$500.00} Account in Dispute : XXXX XXXX XXXX XXXX Account # : XXXX Reported Balance : {$810.00} Account In Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$400.00} Additionally, I request the removal of all unauthorized inquiries to this identify theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were are not authorized by me and negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XX/XX/XXXX, confirming that the fraudulent XXXX XXXX XXXX accounts and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate attention to this issue.
Product: Checking or savings account

We have just started new jobs, so I had my wife download bank app so she has access. She is a server and she gets her tips in check form the next day. Twice she e deposited her check and the bank put a five day hold on them. I took her check, same account, same bank and e deposited it in between those checks.. went right thru. The problem is Im stuck in a hurricane 3 hours away from home with my wife and 4 dogs. The bank will not release the checks, even in an emergency. Ive explained that we have been out of work for 10 months and this was all the money we had. We went to XXXX to meet friends fleeing from IAN in FL, they left yesterday but had the hotel room till today. Now because Ally bank wont release our funds that were deposited on Sunday XXXX and Wednesday The XXXX, weve had to check out and ride out a hurricane in our car with it on Empty with XXXX in the account, we cant get home and have XXXX money to eat as they are holding XXXX till at least Monday XXXX
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX  ( XXXX ) ( XXXX ) 15 U.S.C. 1681 section 602a State I have the right to privacy.

15 U.S.C. section 602a it also States a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

My monthly payments were applied late. Therefore the system marks it as not paid. After having this issue for several months and calling about it they said I needed to pay my bill 10 days prior. I might not have the money at that time to do so. Because of this they now say I 'm not entitled to have my loans at the locked-in interest rate which I 've had since 2006. So because their system is flawed I 'm penalized because I ca n't pay 10 days prior to the due date?
Product: Debt collection

Two months ago I noticed that XXXX was listed as a debt from XXXX. I recalled that I was XXXX and XX/XX/XXXX just occurred and I dropped out of school and my Grandmother gave me the {$500.00} to repay my XXXX XXXX  to XXXX on XX/XX/XXXX for my birthday because she understood that I lost some close friends and didn't want to continue at that time. 

Currently XXXX a company UAS is claiming I owe them ( an agent of XXXX University ) XXXX ( XXXX + interest ). I was able to obtain a summary of my account with a zero balance because I paid. 

UAS is requesting a copy of a check/money order before removing the default status from my records. I explained that I used my birthday gift from my grandmother to pay this debt. I further explained that I didn't have a bank account as a XXXX XXXX XXXX entering college and paid cash for everything that I got from my grandparents and other family members. 

UAS is saying if I can not produce a document that does not exist that I am responsible to pay {$680.00} for a debt of {$500.00} which I had already paid. I also emailed them the XXXX balance document provided by XXXX 's accounting team. 

I asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  ) UAS  representative to speak with the account specialist that makes the decision and I was transferred to XXXX XXXX - supervisor who echoed that I have to produce a check/money order from XXXX! 

I would like for XXXX/UAS to remove this erroneous account and status from my records so I can continue to go to build my future ( credit profile and finish school ).
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$XXXX} XXXX XXXX XXXX Balance {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries on my account that I did not do.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Id like to bring to your attention the following errors in my credit report. I am hoping to get some assistance from the CFPB, in accordance with the Fair Credit Reporting Act. Id like to request the deletion of these inaccurate accounts that are having a detrimental impact on my XXXX XXXX and resultant interest rate costs : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, account ending XXXX ( a ) Account Status should show Closed ; was paid as agreed ( b ) Available Credit {$0.00}. No late payments. 
( c ) Error in the record. I request CFPB assistance so XXXX, TransUnion and XXXX would please remove this record. 

2. XXXX XXXX XXXX XXXX XXXX, account XXXX ( a ) Duplicate account, and covered under number XXXX above. 
( b ) This account was not Charged Off. 
( c ) Error in the record. I request CFPB assistance so XXXX, TransUnion and XXXX would please remove this record. 

3XXXX XXXX XXXX  account ending XXXX ( a ) Account Status is incorrect. This account was not Charged Off. 
( b ) Monthly payments of {$150.00} from XX/XX/year> through XX/XX/year>, have been paid and are not reflected. There are no payments past due. 
( c ) Error in the record. I request CFPB assistance so XXXX, TransUnion and XXXX would please remove this record. 

4. XXXX XXXXXXXX, account ending XXXX ( a ) Account Status is incorrect. This account was not Charged Off. 
( b ) Monthly payments of {$200.00} from XX/XX/year> through XX/XX/year>, have been paid and are not reflected. There are no payments past due. 
( c ) Error in the record. I request CFPB assistance so XXXX, TransUnion and XXXX would please remove this record. 

5. XXXX XXXXXXXX, account ending XXXX ( a ) Account Status is incorrect. This account was not Charged Off. 
( b ) Monthly payments of {$450.00} from XX/XX/year> through XX/XX/year>, have been paid and are not reflected. There are no payments past due. 
( c ) Error in the record. I request CFPB assistance so XXXX, TransUnion and XXXX would please remove this record. 

Thank you for your attention to this matter, and feel free to reach me by phone or email. Based on your determinations, Im happy to follow up with XXXX XXXX, XXXX XXXXXXXX XXXX as well as the credit reporting bureaus. 

Kind regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I hope youre doing well! I wanted to share something that's been bothering me lately regarding my credit report. I recently checked it and found some inaccuracies that I need to address. 

There are several accounts listed that seem to be inconsistent, and its really confusing. Here are the accounts Im talking about : XXXX. XXXX XXXX XXXXXXXX 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 The problem is that theyre not reporting the information consistently. When I look at my credit profile, its clear that the details dont match up, which is super frustrating. This inconsistency could really affect my creditworthiness. 

I already wrote to the credit bureaus about these issues, but I havent heard back from them yet. Its been a bit of a hassle, and Im starting to get anxious about it. I just want to make sure everything is accurate!

I also referenced some sections of the Fair Credit Reporting Act ( FCRA ) in my complaint to support my case. Specifically, I mentioned : - **Section 609 ( 15 U.S.C. 1681g ) ** : This section requires the consumer reporting agency to provide consumers with the information in their file upon request.

- **Section 611 ( 15 U.S.C. 1681i ) ** : This gives consumers the right to dispute inaccurate information and request an investigation.

- **Section 605 ( 15 U.S.C. 1681c ) ** : This limits how long negative information can be reported, ensuring that inaccuracies are corrected promptly. 

Just wanted to vent a little and keep you in the loop. Please help if possible. 

Take care
Product: Debt collection

Validation that this company is the original owner of this debt collection. To provide my signature or contract I signed with this company that verify I owe this debt to them.
Product: Mortgage

3 years ago and again this year I have had difficulty with cmg financial mortgage company. 
Both times the same exact story I asked to recast my loan by paying a large amount of money I send them the check They cash it A month goes by and I dont hear from them of receive paperwork to sign Money is cleared from my account I call them and get told many things like theyve sent me paperwork of I need to send them copy of check but they dont have proof my check cleared This year, I sent a check XXXX, it was cashed XX/XX/XXXX, for {$150000.00}. 
Its been well over a month, I continue to pay my mortgage, they continue to collect interest on me paying money on my loan but they have my money ... double interest? The only form of communication they allow is email which is when they decide to respond and its always Im sorry, we dont have your money. 
Its the same exact thing they did to me : years ago ... my loan was not originally thru them, they bought out my loan
Product: Credit card

In XX/XX/year> I applied online for a XXXX branded American Express ( AMEX ) credit card offering me XXXX XXXX points once I spent {$2000.00} in the first XXXX months. I spent over {$3700.00} in the first XXXX months, but never received the proffered points. I contacted by phone and letter dated XXXX XXXX to inquire after said points. I was advised was ineligible for the reward points and so advised when applied. I disputed this claim to no avail. Following a XXXX XXXX letter I received a mailed from AMEX offering me XXXX membership reward points when a applied for a AMEX XXXX card and spent {$8000.00} in XXXX  months. Days later, I received an email proffer to ADD an AMEX XXXX card and receive XXXX reward points after spending {$4000.00} in XXXX  months. I none of the literature accompanying these offers does state I'm ineligible to received the proffered points. Of note both cards come with significant fees, {$690.00} and {$250.00}, whereas the XXXX card is fee free.
Product: Mortgage

Applied for XXXX with XXXX, left papers with XXXX about XX/XX/XXXX On XX/XX/XXXX I receive an email from XXXX XXXX the loan was denied. A few days later I received a letter dated XX/XX/XXXX information requested more information as to further my loan decision. Did not bother reading the letter because my loan XXXX said it was denied. When I finally read it, I realized I had truly not been denied but XXXX XXXX had falsely told me I was. That letter also requested documents that needed to be signed by me that he did not include in the letter I had tried to get a heloc last year with the same bank and was denied. Since I was denied I added my daughter name to the loan. I figured I was denied the first time because Of high balances on my credit card being debt to credit ratio. I sent XXXX XXXX an email that if I did not need her added i prefer to do the loan in my name only. He never responded. XXXX XXXX sent papers for us to sign separately, to her and I twice. XXXX XXXX then sent papers to my daughter at an address that I have not lived at in 12 years. I took a picture of it and we signed them. I wrote a note to tell him please do not send information there as she doesnt stay there and she lives with me at this address. I also emailed him the same thing. Did not receive any confirmation that from that email of him breaking my privacy. XXXX XXXX ran my credit report twice in about 10 days because my daughter social security number was wrong in their bank. Not hers but mine. XXXX XXXX also after he denied my heloc last year, he offered me a truist credit card with XXXX percent interest and ran my credit report again.i was so desperate to get the crefit card not realizing he would be running my credit again because I just got turned down for the XXXX. On XX/XX/XXXX I received a letter that I have been denied the loan because XXXX loan is intended for owner/occupants with more papers for me to sign which he did not include. I have been a customer of truist for almost 30 years. Worked for them almost 8 years. Paid off two mortgages/ / XXXX loans. The house I tried to request and additional XXXX to my already XXXX heloc is paid off with an appraisal of XXXX. Because of this denial I had to get a hardship loan from my XXXX XXXX XXXX  wasted almost 2 months of my time trying to get a loan with truist. I intend to find a lawyer and bring this matter as he has broken every oath he was sworn to. At this point I dont know if I was treated this way if because I was black or a female I intend for the law to tell me why!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an hard inqury on my credit report on XX/XX/2020 from Factual data. I have not given anyone permission to inquire my credit report. Concerned about fraudulent activity on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered several inquiries that are not authorized by me. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. Despite this, these inquiries are still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that these inquiries be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX  accounts In accordance with the Fair Credit Reporting act XXXX  accounts, Online Information Ser # 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.
Product: Bank account or service

I schedule my XXXX mother 's bill payments to be " delivered by '' a certain date and her bank, Bank of America/XXXX, bank consistently sends them late, leading her to incur interest charges and fees. It 's not as if it 's a single credit card company that is failing to timely credit the payment on the other end. It happens with all of her cards and the language on the B of A/XXXX bill pay website clearly says, " deliver by '' and asks you to confirm that date twice before sending the payment ; yet, it arrives late.
Product: Credit card or prepaid card

I had opened a CFPB case XXXX with information. Bank of America closed that even after i provided valid data. I am opening a new case and attaching the data. I have already shared the password with Bank of America. 

When I tried to check for any discrepancies in the Bank of America credit card account. The actual balance as per XXXX XXXX statement is XXXX but I notice an extra amount of {$1.00} when I calculate difference between all purchases and all payments. I am attaching the spread sheet that explains the discrepancy. 

On Tuesday, XX/XX/2023, XXXXXXXX XXXX PST, XXXX XXXX XXXX wrote : Respected Officials, After i replied, there was a XXXX XXXX deposit into my account today morning. I need proper data about where this interest is coming from and without that i request Bank of America from avoiding resolution to the cases. When a deposit is made, there must be a reference to dispute it is related to. 

If there is market manipulation in XXXX or XXXX or any other country that had insiders information about this, it must be investigated. I have an FTC case open XXXX. 

If Bank of America says that they provided a temporary credit for a dispute, until the dispute is resolved, then why should they charge interest on the expense being disputed. If they indeed received an interest from the merchant then the interest must goto Bank of America. That is the reason i opened the cases and issued refunds.

If they claim to provide temporary resolution and gave me the amount disputed then they must not charge an interest on that.

To make me sift through their bank statements and file a CFPB case takes time. But closing a case opened saying that they are unable to open a file i sent is not correct. Especially, without officially communicating it to the person opened the case.
Product: Credit reporting or other personal consumer reports

I am writing to seek the Consumer Financial Protection Bureaus assistance regarding unresolved disputes and potential legal violations by XXXX XXXX XXXX XXXX XXXX, and the U.S. Bankruptcy Court for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), concerning the incorrect reporting and handling of my personal and financial information. Despite my efforts over the past 60 days to rectify these matters, my attempts have been persistently ignored. 
Accounts and Reference Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Standards and Violations : XXXX. Fair Credit Reporting Act ( FCRA ) 15 USC 1681, Section XXXX ( a ) emphasizes the need for consumer reporting agencies like Equifax and XXXX to exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. My right to privacy has been compromised through the sharing of my information without consent. 
XXXX. 15 USC 6801 outlines the obligation of financial institutions to respect and protect the privacy and confidentiality of customer information. The entities in question have failed in this obligation. 
XXXX. 15 USC 1681, Section 604 ( a ) ( XXXX ) clearly states that consumer reporting agencies may furnish reports only under specific circumstances, including having written instructions from the consumer, which I have not provided. 
XXXX. 15 USC 6802 ( b ) ( c ) and 12 CFR 1016.7 highlight my right to opt out of such disclosures, a right that was neither respected nor clearly communicated to me. 
XXXX. 15 USC 1681C ( a ) ( XXXX ) and 15 USC 1681s2 ( A ) ( XXXX ) mandate accuracy in reporting and prohibit the furnishing of inaccurate information to consumer reporting agencies. 
XXXX. 15 USC 1681e requires consumer reporting agencies to maintain procedures that prevent violations related to inaccurate reporting, a standard that seems to have been overlooked in my case. 
Request for CFPB Intervention : Given these unresolved disputes and the apparent disregard for my rights as a consumer, I am seeking the CFPBs intervention to ensure that these entities comply with the law by correcting the inaccuracies in my records, ceasing the unauthorized sharing of my information, and adhering to the proper legal standards for consumer information reporting and privacy protection. 
Your assistance in this matter is crucial for rectifying the adverse effects on my credit report and overall financial wellbeing. I look forward to your prompt action and am hopeful for a resolution that respects my consumer rights and the integrity of my personal and financial information. 
Thank you for your attention to this important matter.