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

I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am demanding that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. You are required to do what I am asking and block these transactions listed in my FTC report and letter attached. The identification of these transactions are stated in my FTC report and in my letter attached. You are required to block these transactions on my consumer report within 4 days of the receipt of this notice. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The Following Hard Inquiries Are Fraudulent And Need To Be Blocked And Deleted From My Consumer File 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX I took out a mortgage with XXXX for {$310000.00}. XXXX filed BK in New York. Since then I have made all my payments on time for {$2500.00} per month which were not applied correctly to principal. Recently I was told by Caliber Home Loans that I had a superavit in Escrow and the Unapplied Funds account and they would post it as the XX/XX/XXXX payment and they have not and want a detailed explanation why not asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening This notice and communication is to inform the consumer financial protection bureau XXXX XXXX XXXX  There is miss information being reported on my credit report by TransUnion There is a gas bill reporting as a collection from a 3rd party I have made several communications to remove this Incorrect account without TransUnion removing it. 

There's also a new collection on my account from a 3rd party collection agency that I do not have a contract with. 
I called for the immediate removal of all collections from 3rd party debt collectors on my credit profile thank you.
Product: Mortgage

My house is in legal status and my mortgage company wants to reinstate my loan for {$5000.00} and then continue monthly payments and I dont have a way to get {$5000.00} and i was wanting to start making my monthly payments and have vanderbilt consider a balloon payment to help save my home
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and I notice a derogatory collection account on my report from a company named Franklin Collection Services. This company did not have my consent to access my private information. This is an act of Impermissible Purpose to pull my credit report and to have negative un-validated information place on my file. After identifying the company 's contact information I sent them a validation letter accompanied with a cease and desist letter. To this date No valid contract with my signature agreeing to contract with this company has been sent to my address. I do not wish to do any business with this company.
Product: Credit reporting or other personal consumer reports

Letter sent XX/XX/2023 for no permissible purpose for the below. 

TDAF XX/XX/2023 XXXX TD AUTO FINANCE XX/XX/2023 Experian TD AUTO FIN XX/XX/2023 XXXX TD AUTO FIN XX/XX/2023 XXXX This company reported info about me to a non affiliated third party without my permission, nor did they give me the option to OPT OUT from consumer reporting prior to the information being reported Under 15 USC 6802 " Nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution ''
Product: Credit card or prepaid card

On XX/XX/2021 I made a purchase to XXXX for {$39.00}. The item I received was not the item I ordered, more of a cheap knock-off. I contacted the merchant several times to return the item, they would never give me the information to return the item. I then disputed the charge with my Wells Fargo XXXX XXXX card. I sent several correspondences to Wells Fargo that I had with the merchant. Showing how they would not respond to my returning of the item. The credit card company incompetently handled this dispute. The merchant told them I could return it, but I was never given that information. They did not investigate this dispute thoroughly.
Product: Credit reporting or other personal consumer reports

I would like to remove hard inquiries from my credit report at transunion as they don't reflect other bureaus and would the want it to affect my ability to apply for new business credit.
Product: Checking or savings account

Every time I visited a Wells Fargo branch they would use high pressure tactics to have me open new accounts. This happened every single time I visited every different branch and I opened multiple checking and savings accounts and money was withdrawn from my account from XXXX to XXXX. I would estimate hundreds of dollars every year from three accounts I did not need. Thank you for your help. XXXX XXXX XXXX XXXX
Product: Credit card

card charge for hotel stay that was paid with points. Submitted telephone recording of XXXX representative stating that stay was paid with points.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against t
he credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Checking or savings account

I have an online credit card account with Citi Bank, which I have been using for a long time. I wanted to open a checking account as I will be starting a new job, so I created an account online. My bank account was opened, but we received a letter stating that it would be closed. To clarify this issue, I went to the Citi Bank located at XXXX Warm XXXX XXXX, XXXX, CA XXXX. 

XXXX XXXX, who attended to us, did not seem willing to help at all. She stated that my bank account was blocked and that she couldnt do anything about it. We then explained to her that the block on our account had been lifted and that there was no problem and also I have a proof/letter about that, but she still refused to help. I accepted this with understanding and I don't want to create Checking account either and you can close it. This time, I told her that I couldn't log into my Citibank online account and asked for her help on this matter. She did not show any interest and pointed to a phone number, stating that I needed to call it. I explained to her that I had already called the number she gave me and others as well, but no one helped. She responded rudely, saying, 'I am the bank XXXX, but you seem to know more than I do, ' and refused to assist me any further. 

I do not want the checking account to be opened ; I have already opened a new checking account with another bank without any issues, and there was no block! However, I use Citibanks online application extensively to pay my credit card bills and track my expenses/transactions, and this convenience is very important to me. I requested that my online account be reactivated so that I can manage my credit card, and I made it clear that I did not want the checking account, yet she did not help and spoke to me in a very disturbing manner.
Product: Credit card

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to file a formal complaint concerning an ongoing issue that I have been facing with adding my Chase credit card to my XXXX XXXX. This issue has been causing significant frustration and stress, and I believe it requires immediate attention. 

After performing a factory reset on my XXXX recently, I began the process of re-adding my credit cards to XXXX XXXX. I successfully added my other cards by verifying the XXXX security code, but when I attempted to add my Chase credit card, I encountered a persistent error. I tried multiple times, but each time I received the same error message. 

In an effort to resolve the issue, I attempted to add the Chase card through the Chase app, but unfortunately, the error persisted. I have exhausted all possible troubleshooting steps that I can think of, including : Performing a factory reset on my XXXX. 
Re-adding all other cards to XXXX XXXX successfully. 
Attempting to add the Chase card directly through the Chase app. 
After spending over an hour on the phone with Chase 's Internet service department, I was eventually connected to a Technical Supervisor. The supervisor informed me that this issue is a known problem and that there is currently no resolution available. When I asked what I should do next, the supervisor abruptly hung up the phone on me. This level of customer service is unacceptable, especially when I am paying a premium for this credit card. 

I want to emphasize that this is not the first time I have encountered this issue. Last year, I faced the exact same problem when trying to add my Chase card to XXXX XXXX. Initially, Chase blamed the issue on the credit card itself, leading to a replacement. However, even after waiting a week for the new card, the issue was not resolved. Chase then shifted the blame to XXXX, prompting a factory reset of my device and, eventually, a device change. Despite these efforts, the problem persisted. 

Frustrated, I raised a case with your bureau ( XXXX ID : XXXX ), and to my relief, the issue was resolved within a few hours. Given the recurring nature of this problem and the lack of support from Chase, I am once again turning to you for assistance. 

XXXX XXXX XXXX XXXXXXXX XXXX, and the stress caused by this situation has taken a toll on my health. It is extremely disheartening to be treated this way by a company that I trust with my financial matters. I am paying a high amount of fees for this credit card, yet the service I am receiving is far below acceptable standards. 

I kindly request your immediate intervention to help resolve this matter once again. Please let me know if any additional information is required from my end. 

Thank you for your attention to this issue. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, Section 602 ( a ), it is clearly stated that consumer reporting agencies, such as innovis are required to exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As a consumer, I have the right to ensure my private information is not shared without my consent. This is further supported by 15 USC 6801, which establishes that financial institutions have a duty to respect the privacy of their customers and protect the confidentiality of their nonpublic personal information.

A furnisher of information to credit agencies is considered a financial institution under this definition. According to 15 USC 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report under specific circumstances, including when there is written consent from the consumer. I have not provided such consentverbally, non-verbally, written, implied, or otherwiseand hereby revoke any alleged consent.

Additionally, 15 USC 6802 ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to opt-out of such disclosures and given an explanation of how to exercise that right. I was never informed of my right to opt-out, which violates this provision. 

Furthermore, under 15 USC 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse information in a report if it is more than seven years old, except for records of criminal convictions. The adverse item being reported on my account is over seven years old and is therefore being reported unlawfully.

Under 15 USC 1681s-2 ( A ) ( 1 ), furnishers of information are prohibited from providing information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate. Additionally, 15 USC 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of 1681c and to ensure consumer reports are only used for the purposes listed under 1681b. It is clear that XXXX and XXXX are failing to maintain these required reasonable procedures. 

Lastly, 12 CFR 1016.7 gives consumers the right to opt-out at any time. I am formally exercising my right to opt-out of your reporting services immediately. 

In summary, innovis and any furnishers of information have violated my rights under federal law. I do not consent to the disclosure of my information, and I am demanding that my information be removed from your systems in accordance with the statutes listed above. 

Remove the following information from my file immediately : XXXX XXXX XXXX XXXX  : account # XXXX XXXX : account # XXXX XXXX  XXXX XXXX  : account # XXXX XXXX XXXX XXXX : account # XXXX Also remove the following address because they do not belong to me and are undeliverable addresses XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Debt collection

A billing error between my ex husband ( divorced for XXXX years ) and XXXX cable resulted in a bill of {$1000.00}. Somehow this was in my name for services in his residence. I do not have a XXXX account..My ex husband claims he resolved this error with XXXX long ago but now, not only am I getting billed from a collection agency ( Convergent ) but now it showed upon my credit report. During a 3 way conversation on the phone with Convergent, my ex stated to them I had nothing to do with this account, but they said there is nothing they can do. I called XXXX and they won't deal with me since the account went to collections. I'm hoping you can help me.
Product: Checking or savings account

This is about both my new savings account and my new checking account, but this system only allowed me to choose one account. 
I opened new savings account XXXX and new checking account XXXX and tried to link them to my XXXX XXXX  account. But XXXX was unable to verify the accounts. I phoned Citi and spoke with XXXX on XX/XX/XXXX ; he confirmed that my accounts were open and said he's email me a letter that I could send to XXXX, stating that these are my accounts. However that was over a week ago. I have not received any emailed letter, so I am still unable to link the accounts to my XXXX XXXX  account and thus unable to fund the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is fraudulent though your company claims to have verified this. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, XXXX XXXX  the courts ruled each and every time that the XXXX  couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


ACCOUNT : XXXX XXXXXXXX.
Product: Debt collection

I was contacted about a debt from Valentine and Kebartas about a month ago and I told the person that now was not a good time for me to talk and that she needed to call back at a different time. She seemed to be understanding, but a month later I received a harassing phone call from a customer service representative about this debt and they said it was XXXX. They wanted me to verify my social security number and my date of birth and I refused. I asked her did she look up the information that the other person had told her and she said yes, but that she was still calling about this debt. I told her to send me a debt validation letter and she said that one was mailed, and that I needed to take care of this. I told her to stop calling me and to send me the letter. She told me that she would continue to call me after I told her that the law states that, that she can not harrass me once I tell her to stop calling me. I then hug up the phone on her. Today, on XX/XX/2021 at XXXX. A representative called and pronounced my name wrong and wanted me to verify my information and stated that this was an important business matter. I asked him what this was about and he kept asking me to verify my information. He asked for my address and my social security number and I wouldn't give it to him. I was then frustrated because I heard all of this loud noise in the background and told him that he needed to turn his TV down. He then kept asking me for my information and I told him no and he said well you verified it on the XXXX  and we have been sending you letters. I kept asking him what this was about and he refused to say. The noise in the background was getting louder and I told him that I could barely here him. He then replied that it's COVID-19 and it's his kids and that he is working from home. Then he kept asking for my information, I told him that he needs to stop calling me and that they need to send me a debt validation letter. He hung up the phone on me and told me that it was because I didn't very my information.
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 card or prepaid card

I was notified by XXXX XXXX XXXX that there was a new inquiry on my credit report and identity verification on XX/XX/23 for a Ikea credit card application. I did not apply for this credit card. 
I already reported this fraudulent application to the bank and I submitted a theft case with XXXX XXXX XXXX.