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

I filed an Identity Theft with my police report of my claim on XX/XX/XXXX. Today is XX/XX/XXXX, over 19 days. Per The Fair Credit Reporting Act ( FCRA ) all information reported as identity should be Blocked from reporting on my credit report. Credit bureaus must block reporting of information in filed in my claim resulted from identity theft within four business days. The updates I received stated they have 60 days to respond. It's day XXXX and they law states they have 4 days! They are in violation and I have all of my submitted proof and so do you. Please escalate this matter immediately to delete all of the reported accounts that were reported that are not my accounts. 

Below are the compliant numbers submitted on XX/XX/2024 : XXXX XXXX XXXX Trans Union XXXX XXXX XXXX will also re attache my Identity Theft report and my police report in case it was lost.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report several inquiries that that I didnt not initiate or authorize. This means the consumer agencies released my information without my consent and now this makes this liable for damages. 

The inquiries in question are as follows : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX NA XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I did not initiate these inquiries and they should be removed.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  states : 'There is a need to guarantee that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ' XXXX and XXXX are consumer reporting agencies, and as a consumer, I have the right to ensure that my private information is not shared. This right is further supported by XXXX XXXX. XXXX, which establishes that financial institutions have a continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of nonpublic personal information. As a furnisher of information to credit agencies, these institutions are considered financial institutions under the law. 

According to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a consumer reporting agency may furnish a consumer report only with the written instructions of the consumer to whom it relates. Neither XXXX, XXXX nor any furnisher of information to these agencies has my written consent to share my information. I hereby revoke any prior consent, whether verbal, non-verbal, written, implied, or otherwise. 

Additionally, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 disclosure. I was never informed of this right to opt out. Moreover, under XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ), no consumer reporting agency may include adverse information in a consumer report that is more than seven years old, except for criminal convictions. The account being reported is an adverse item, and its reporting without my consent violates this provision. 

Furthermore, under XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, no person may furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. Additionally, XXXX XXXX. XXXX requires that consumer reporting agencies maintain reasonable procedures to ensure compliance with Section XXXX and limit the furnishing of consumer reports to permissible purposes under Section XXXX. XXXX and XXXX are failing to maintain such reasonable procedures. 

Finally, under XXXX XXXX XXXX, consumers have the right to opt out at any time. I am formally exercising my right to opt out of your reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Subject : Formal Dispute for Removal of Inaccurate Information XXXX XXXX XXXX ( Account # XXXX ) Dear Sir/Madam, I am writing to formally dispute the information reported on my credit file regarding the account from XXXX XXXX XXXX, referenced above. This account is being inaccurately reported, and I am requesting its immediate and permanent removal from my credit report under the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). 

Legal Basis for Dispute : FCRA Violations Inaccurate Reporting ( 15 U.S.C. 1681 ) : The FCRA requires that all information on a consumer 's credit report be accurate, complete, and verifiable. Upon reviewing the details reported by your agency, I noticed discrepancies in payment status, delinquency dates, and terms across multiple bureaus. These inaccuracies violate my rights under the FCRA. Reporting this account with errors is damaging and does not meet the standards of accuracy outlined by the law. 

TILA Violations Creditor Definition ( 15 U.S.C. 1602 ( i ) ) : Under the Truth in Lending Act, a creditor is defined as an entity to whom a debt is owed. As this account does not reflect a true debt relationship that I agreed to, and the terms provided do not comply with the required definitions under TILA, this account should not appear on my credit report. Thus, the inclusion of this account is unlawful, and I demand its removal. 

Actions Requested : Permanent Deletion of Account : Due to the inaccurate and incomplete nature of the information, I request that this account be deleted from all credit reporting agencies permanently, with no reposting of any form. This action is required to ensure compliance with the FCRA and TILA. 

Written Confirmation : Please provide written confirmation once the account has been deleted, and my credit report has been updated to reflect this correction. I expect a response within 30 days, as required by law. 

I trust you will handle this matter in accordance with the law and appreciate your prompt attention to this issue. Failure to correct this may result in further action, as permitted under the FCRA and TILA. 

Thank you for your cooperation. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consums rights to privacy and confidentiality under 15 USC 1681 XXXX County Child SU # XXXX, XXXX County Child SU # XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

1 5 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 follo wing 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 1 5 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 had a Southwest Visa Credit Card that was issued by Chase. On XX/XX/2023, I paid off my balance of approximately {$5300.00}. At this time, I also paid off several other credit cards and loans through a consolidation loan. On XXXX I got an electronic letter from Chase stating that my credit limit was reduced from {$5400.00} to {$500.00} stating that my limit was reduced due to high balances on my revolving accounts. I check my credit report several times a week and as of XXXX my credit report shows that paid off two loans and three credit cards. I believe that Chase opened the account when I was rebuilding my credit with a 28 % interest rate in an act of predatory lending and when I paid it off they punished me by reducing my credit limit. I have never missed a payment or violated our agreement which would justify this decrease. When I addressed it with them, they stated that I could file a disagreement and resubmit all of my information to see if i could get it increased. As I have done nothing to violate the previous agreement and I believe that this was originally approved as a predatory practice, I closed the account.
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 TransUnion 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 a a person XXXX XXXX XXXX XXXX XXXXpened XXXX XXXX under account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX XXXX account number ( private ), a credit card opened at XXXX XXXX  on XXXX account number ( private ), an inquiry from XXXX XXXX, another inquiry from XXXX  to XXXX i demand all fraudulent accounts be removed immediately from all 3 of my consumer credit reports pursuant to my rights within the FCRA FDCA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 recoanize the atorementioned 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 atorementioned accounts. collections. and hard inquiries are the result of identitv theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US 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 or other personal consumer reports

I am filing this complaint because I noticed unauthorized inquiries, inaccurate names, and an inaccurate address on my consumer reports with the 3 XXXX Consumer Reporting Agencies. I did not initiate or authorize any of the information to be on my consumer reports.
Product: Checking or savings account

I have filed a complaint here to no prevail or fair solution to me. As well as the bank. For one I didn't authorize or give written or verbal consent to close my account. That they didn't closed only stop me from having access to the account. I ask for the account to be reopened and I have every dollar deposited in the account to be matched dollar for dollar. I have requested my dividends and credits ALL money that was invested on my behalf I wanted my share. I would like a new bank card and would like to speak to someone so we can handle this matter amicably. Instead of intentionally brushing me off and ignoring me. Like it will make the violation of security exchange regulations go away. I wish that some contact me via email as well as by phone XXXX. Because I have a right to manifest as the beneficiary and shareholder. I will be contacting the XXXXXXXX XXXX after if not before XXXX XXXX voicing my SAME complaint. And blocking me from their web just shows another intentional act to defraud. Included picture/video of one of my adorable offspring so to take from me is to steal from her XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe I am the victim of ID theft pursuant to section 605B. Please remove the inquiries from my FTC reports.
Product: Credit card or prepaid card

On XX/XX/2022, XXXXXXXX XXXX paid Discover electronically {$1300.00} for a balance transfer that I requested. I provided documents to Discover to show XXXX XXXX  paid them. Four months later, Discover has yet removed the {$1300.00} from my account. So I am being overcharged in credit fees of {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I opened a Trust account with a business checking account attached, and I lawfully drew a check " for deposit only '' on check numbers XXXX ( drawn onXX/XX/2024 ) and XXXX ( drawn on XX/XX/2024 ) on the business checking account. The the credits were deducted and placed on, but never released to the available funds as such for double entry accounting. Upon the holding of the credits, my account was completely closed as of XX/XX/2024, essentially stealing the held credits in the process of closing the account with no valid reason and blocking me from gaining access through the return of both checks, even after my trust is detailed to cover all insufficient balances that occur on any related accounts. Also, the checks clearly indicated FDIC insured coding in the memos. As issuer and drawer I explained over the phone that Uniform Commercial Code ( UCC ) Article 3 - Negotiable Instruments : The UCC governs negotiable instruments, including checks. Section 3-110 allows for the negotiation of an instrument by a person who is not the owner of the instrument, such as when you deposit a check made payable to you into your own account. 

Federal Reserve Regulation CC : Regulation CC establishes the rules regarding the availability of funds and collection of checks. It allows banks to place holds on deposited checks, but it also requires them to make funds available according to specific timelines. 

Federal Deposit Insurance Corporation ( FDIC ) Regulations : FDIC regulations protect depositors ' funds and ensure the stability of the banking system. They provide guidelines for banks on accepting deposits and making funds available to depositors.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was younger, someone broke into my parent 's house and stole a lot of items from our home but the most important item was a safe that contained personal information like our Social Security Number, Birth certificate, other personal information. A police report was filed but unfortunately, the safe was never returned or found. 

Now, almost 20 years later something that happen when I was a child is affecting my adult life i don't understand how this is happening over 20 years later. 

Items below are items I did not authorize or did NOT open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Accounts I did NOT OPEN & now they are in collections. When I tried to dispute these accounts & I always received no reply back after months of waiting. The bureaus never were able to send me any type of validation for these accounts after over 5 times of mailing letters. 

XXXX XXXX XXXX - Date Open XX/XX/XXXX *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX - Date Open XX/XX/XXXX Also they have many addresses listed on my report that i never lived in & this needs to be updated
Product: Credit reporting, credit repair services, or other personal consumer reports

Information does not belong to me
Product: Debt collection

I received an alert that a collection was placed on my credit file. Once I looked on there I notice a collection was placed with XXXX XXXX XXXX on my TransUnion credit file. I have no acknowledgement of this debt or understand how it just appeared out of nowhere on my report, so I disputed it. Additionally, I never received a validation letter or any communication from the credit buyer through any other means. This was all stated in the dispute with the TransUnion, but miraculously the dispute came back as verified as correct information. I don't know how that is possible when the credit buyer never sent out the notices required by law! This Company has done this in the past, and will now try and use the credit reporting agencies ( CRA ) and CFPB as middle men to try and pass validation/verification letters and other correspond through in hopes of it qualifying as their communication for FCRA purposes, which is also against the law, instead of sending that correspondence via certified mail like the regulations require. I would really like to know what XXXX relied on when verifying this account since there is nothing showing the acct. was verified unless it was forged.
Product: Credit card or prepaid card

ON XX/XX/13 MY SEARS CREDIT CARD ACCOUNT WAS CHARGED FOR XXXX FROM A XXXX XXXX AND I HAVE NO IDEA WHO THEY ARE AND NEVER DID BUSINESS WITH THIS COMPANY. I CALLED SEARS CREDIT CARD BACK WHEN CHARGE SHOWED ON MY STATEMENT AND REPORTED IT AS FRAUD AND THEY DID NOTHING FOR ME SO I AM NOW FILING A COMPLAINT WITH YOU AGAINST SEARS CREDIT CARD MASTER CARD. PLEASE HELP ME GET MY MONEY BACK THAT THIS COMPANY STOLE FROM MY ACCOUNT WITHOUT AUTHORIZATION. I AM A SENIOR CITIZEN AND LIVE ON A FIXED INCOME THIS IS SENIOR ABUSE
Product: Mortgage

I have a mortgage loan with Bank of America with an escrow account balance in excess of {$7000.00}. Since XX/XX/XXXX, both myself and my insurance agent have been requesting that BofA release funds to pay a {$4600.00} insurance invoice from our escrow account. To-date, despite at least six attempts from me directly, as well as many from my insurance agent, BofA has refused disbursement and I have since lapsed in my insurance policy. I have received excuses first stating that the disbursement was refused because BofA perceived the request as a duplicate policy, as the insurance company sends XXXX separate invoices for payment ; aside from the policy number, there is no duplicative information associated with our request as one part of the request is roughly {$1100.00} and the other request is {$4600.00} ; I have made this point abundantly clear to Bank of America, to no avail. The most recent excuse I received this past Friday ( XX/XX/XXXX ), I was advised by XXXX XXXX that the request was further declined because " BofA can not issue payment on an invoice without the invoice being accompanied by a declaration page ''. I reminded XXXX that on XX/XX/XXXX we were given an expedited reference id # ( XXXX ) that promised to disburse payment by overnight mail to avoid termination of the policy, and despite this promise no one from BofA reached out to me nor the insurance agent advising us of this latest refusal. 
I am now without insurance because of BofA 's actions or inactions, despite having tried since XX/XX/XXXX to have our invoice paid by BofA to prevent cancellation. I AM BAFFLED as to how or why the mortgage company finds it acceptable to collect my monthly escrow payment and refuse to disburse on command ( either mine or the insurance company ). 
I am displeased, I am negatively and unnecessarily impacted, and request your investigation, penalty, and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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