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

It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance with the written instructions of the consumer to whom it relates. I the natural person have been suffering for years by being denied open-ended credit, and car loans for the enjoyment of my family. 
Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states it's illegal to report transaction history. Title 12 Also states anything dealing with a securities is an automatic Federal Court Case.

12 CFR 1016.4 Initial privacy notice to consumers required.

( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 
( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. 
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; or
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached document account with XXXX XXXX XXXX XXXX XXXX is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXXXXXX XXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Transunion report XXXX 

The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. 

This item shall be removed.
Product: Bank account or service

On XXXX XXXX, 2016 I had a XXXX balance in my CHASE checking account, then on XXXX XXXX, an incoming recurring debit card transaction hit my account, at which time CHASE arbitrarily decided to push through a debit card transaction in the amount of {$99.00} and then billed me a {$34.00} insufficient funds fee. I called customer service to find out why the transaction was not declined, I was told by the agent on the RECORDED CALL, that CHASE reserves the right depending on account standing to pay for transactions that come through the account and then as it turns out, charge their loyal customer for their generous act of kindness. I then told her that I signed a document stating I did not want CHASE to pay for ANY DEBIT CARD transactions when there was n't enough money in my account to cover the purchase. She then proceeded to tell me that " I know, it 's confusing, CHASE corporate is actually trying to figure out a way to make this less confusing for customers since they are confusing us paying for debit card transactions with overdraft protection. '' I do n't want overdraft protection, I do n't want ANYONE to pay for transactions on my account when there is no money in it. They are gouging the public with deceptive practices, they even admit there is no rhyme or reason, CHASE pays the transaction and then gets rich billing their customers NSF fees. Laws are enacted to limit the amount of fees these big banks charge in a given day, and then these banks find a way around the laws in order to still bill those NSF fees. I 'm shocked there has not been a lawsuit brought against these banks because of this as of yet!
Product: Checking or savings account

I have a checking account and brokerage account through Citibank. In 2020, their brokerage operation requested KYC information twice. I called back after I received a paper letter request ( I was told the issue was new stock purchasing pattern ). I also responded to an emailed request to update my details through Citi 's mobile app. Despite of this, Citi froze my checking account. Relationship manager XXXX XXXX was able to restore my checking access after a couple of days. Later to the surprise of XXXX and myself, Citi 's brokerage operation again froze my checking account. Branch manager XXXX XXXX promised results from internal investigation two months ago, but I have not heard back from since. Two days ago I got a third request from Citi 's brokerage operation for urgent information update, again with the threat of freezing my accounts. 

Repeat information requests and multiple account freezings have taken together almost a full working day of my time. They have also caused delays paying my house building contractors and I had to spend time finding alternative payment methods. It seems to me an overreach for brokerage operation to freeze access to my checking account funds. It may not even be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several correspondence to the Credit reporting agencies and they have failed to respond to my request for an investigation. Also Equifax stated that they verified my information but have failed to respond to my request for a Method of Verification letter.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Method of Validation and Account Verification In response to confirmation # XXXX Dear Equifax Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation # XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance amount -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Status -Date of last payment -Entire payment history The specific account ( s ) in question are as follows : XXXX XXXX XXXX # XXXX If the accounts can not be properly verified or validated , they must be deleted from my credit report promptly, as required by the FCRA.

Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/year> This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections XXXX on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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: Checking or savings account

Wells Fargo allowed ex-husband to withdraw from accounts that were frozen due to divorce..
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with JPMorgan Chase Bank , National Association after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureau specially Experian told me that they don't do the investigation. They just call the creditor/ Furnisher that's how they determine if the account is accurate.They refuse to send me a letter on how they did the investigation. Even though I saw multiples errors on my credit reports i send them a certifiedletters of a copy of my credit report on specific errors. The credit bureau did not send me a notification letter of the investigation. I send on it XX/XX/2022 to all credit bureau. But the outcome is factual. How can it be even though there was multiple errors. They refuse to delete the errors and refuse to send me a copy of the process. Also was not following the FAIR CREDIT REPORTING ACT. I called multiple times to get a letter of the process on how the investigation was handle. But they said they don't send letters out.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from the bureaus. Please delete the following accounts. 

Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX bal. {$0.00} Account XXXX : XXXX Account XXXX : XXXX bal. {$1700.00} Account XXXX : XXXX Date XXXX : XX/XX/year>
Product: Debt collection

On XX/XX/2019 I called a company named " A XXXX XXXX XXXX XXXX  '' @ XXXX. The person who answered the phone said " This is XXXX ''. I then asked " Is this XXXX XXXX XXXX, the company that does the XXXX XXXX XXXX? '' To which he answered " Yes it is ''. I did not find out until the next day that he was a rival competitor stealing business from XXXX XXXX XXXX by pretending to be them to fraudulently obtain credit card data. I have attached a letter explaining all. Bottom line, I was charged {$400.00} that I did not authorize to a company called XXXX XXXX. I reported the theft to Bank of America and followed their dispute policy to the letter. I furnished BOA with all documents they requested including the police report, yet they chose to ignore the facts, added interest and penalties to a card I never opened, and turned it into a bad debt. I have attached pertinent documents. I do not understand how BOA could ignore the facts. Nor do I believe they investigated this theft, as I am the victim, but was never contacted by a BOA investigator.
Product: Prepaid card

I ordered a {$50.00} Amex gift card that was nearly impossible to use. Amex advertises that these cards can be used at ANY MERCHANT AMERICAN EXPRESS IS ACCEPTED. That's completely untrue in practice however. Every merchant I tried ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX even XXXXXXXX XXXX  and XXXX ) declined the card. All transactions were attempted in the US, not international. 

Amex prepaid customer support had no idea why it was being declined and advised me to keep waiting, try again in 24-48 hours, etc. That's useless advice. I was able to use the card eventually at XXXX XXXX XXXX XXXX on XXXX and XXXX on XX/XX/, but I didn't want to use my card at these merchants. I had no choice because Amex declined transactions at all of the merchants where I wanted to spend this balance. I have spent hours trying to find ways to finish off the balance on this terrible gift card.
Product: Money transfer, virtual currency, or money service

Received a text from Bank of America wire transfer today : XXXX ( XXXX ) Payee  successfully added for {$1000.00} from XXXX XXXX, If you have not made call XXXX to report XXXX  Customer service said XXXX XXXX is opening various bank accounts. I dont understand how. They gave me an email address of : XXXX or XXXX Then he was asking me where I bank and I said no. No body should be opening any accounts without my acknowledgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from Transunion, XXXX, and XXXX and there are several inaccurate account inquires on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in XXXX. VIOLATIONS OF CREDITORS VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification : XXXX XXXX XXXX XXXX XXXX occurred twice without my permission and is fraud. 
Address XXXX XXXX XXXX XXXX XXXX CA XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX  inquiry occurred twice without my permission and without my Identification. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unverified accounts that remain on my credit report. Please remove the following accounts immediately : XXXXXXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, ensure that any name on my report that is not " XXXX XXXX XXXX '' XXXX removed. I will be submitting a separate complaint regarding other incorrect personal information directly to the credit bureaus. 

Thank you for your prompt attention to this matter. 

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

This is my second attempt to fix inaccuricies on my personal credit report, the first time I initially did this was on XXXX of XXXX, in which the CFPB has record of my complaints filed. In return of the CFPB 'S investigation the credit burea 's Transunion and XXXX both failed to correct the inaccuracies stating they could see what I was talking about but didnt believe I was actually the one attempting to get these inacuracies corrected. In which when they received my letters of complaints i also submitted my signature in blue ink on each letter in which i was stating the issues and inaccuracies. its is still listing several accounts and items i have deemed inaccurate supported by UCC11 searcg aswell as identity theft report stating the various things in initial letter as well as second attemp letters provided with the report as of XXXX. These items supported by consumer law do not belong on my report as i've also provided current and updated documentation to support such complaints and claims. 

ALSO THE TITLES OF THE LETTERS ARE ONLY HOW I SAVED THEM IN MY LAPTOP SO I KNOW WHAT DOCUMENT IS WHAT
Product: Credit card

Almost XXXX was used on my credit card its a few dates but they all occurred while I was arrested from XX/XX/XXXX until XX/XX/XXXX I even provided proof I was arrested and my phone was taking as well as my wallet you can pull it up free online to see my arrest and release dates