23daVinci/CFPB_Complaints huggingface dataset:
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 the 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. List all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Information under FCRA XXXX I am writing to formally request the removal of inaccurate information from my credit report, as stipulated by the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate. In particular XXXX XXXX. This entity, XXXX XXXX must be reported as disputed due to FCRA violation until its resolved by being removed from all three credit reporting agencies. 

As of XX/XX/year>, I initiated disputes regarding several items that continue to negatively impact my credit. Despite my efforts, the inaccuracies remain, and I seek your immediate attention to correct them. 

XXXX. Discrepancies in Verified Information : All three credit reporting agencies ( XXXX, XXXX, and Experian ) claim to have verified information with XXXX XXXX, yet each agency has concluded different amounts that I allegedly owe. This inconsistency directly violates the FCRAs requirement for accuracy. If the information were truly verified, the amounts would be uniform across all reports. 

XXXX. Misreporting of Alleged Debt : The alleged debt from XXXX XXXX is reported as a write-off, indicating that the IRS has already credited this entity for the debt. This raises further questions about the legitimacy and accuracy of the debt being reported on my credit report. 

XXXX. Inaccurate Personal Information : My name and address are inaccurately reported across the credit agencies. I have only one name and one address : - Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has inaccurately reported my name as " XXXX XXXX XXXX '' on XX/XX/year>. After filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), XXXX then reported my name as " XXXX XXXX XXXX '' as of XX/XX/year>, but still did not address my disputed items. Recently, XXXX requested verification of my address by asking for a light bill, which further complicates the process and delays the correction of inaccuracies. 

The bottom line is that these XXXX agencies are required to report accurate information about me, and they have failed to do so as per the FCRA. Therefore, I formally request the permanent removal of the XXXX XXXX entry from all three of my credit reports with XXXX, XXXX, and Experian. 

Please ensure that my name is correctly listed as XXXX XXXX XXXX and that my address is accurately reported as XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. 

Thank you for your prompt attention to this matter. I expect a resolution. I look forward to your confirmation of the corrections. 

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXXXXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or 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 reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed a XXXX Credit Card with account # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} from the first time I saw it on my report back in XXXX because it doesnt belong to me. Over the years, I have sent several certified dispute letters disputing the validity of this item. And I don't agree with Equifaxs or XXXX 's claims that theyve investigated this item. On my last certified dispute letter to Equifax dated XX/XX/XXXX, I requested that they mail me the proof of their investigation within 30 days. It has been more than 30 days and they have not mailed me the proof. Equifaxs claim that the account is verified it's frivolous and unduly. I provided the reason for my dispute in simple language and they had 30 days to perform an investigation and mail me the proof of their investigation. Because this was not done, Equifax should delete this negative information. It has been a terrible experience dealing with Equifax. I have maintained a careful record of my communications with Equifax for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should XXXX  not remove this account from my Equifax credit reports. See attached
Product: Checking or savings account

On XX/XX/XXXX Bank of America charged a rush replacement fee for sending my debit card. This was because fraudulent activity on my wife 's card ( same account different debit number ) resulted in the associate accidently cancelling my card instead of hers. I was offered free rush delivery to make up for the mistake, but was told " you will receive a {$15.00} rush delivery fee on your account, call back when you receive your card and we will waive the fee. '' On XX/XX/XXXX. I still had not received the card. I called explained the situation to the associate who assured me they would rush another card to a different address to ensure I receive the card. I was told the first rush delivery fee will be waived and again " call back and we will waive the rush delivery fee '' This second fee was charged on XX/XX/XXXX. I called back on XX/XX/XXXX and was told the fee would be waived and it would take approximately 5 business days to appear on my account. On XX/XX/XXXX I called customer service asking why the fee was not replaced on my account as was told " the second fee went under review and your waiver was denied and once fee review decision is made it is final '' I talked to a supervisor and customer service manager XXXX who refused to give me a reason why it was denied the second time and intentionally casting the review process as omnipotent while keeping the specifics of what exactly was disputed opaque. The manager refused to acknowledge the contract made when the associate told me over a recorded phone call that the fee would be waived on all occasions and that I certainly would not have bothered with rushed delivery if I was not told that it was being given to me free to make up for the inconvenience of going on from XX/XX/XXXX without a debit card. The manager refused to provide further contact information to dispute the fee saying flatly " the fee is not getting waved '' and going so far as to obviously lie " the computer system has denied the waiver and it can not be changed. '' I understand that the {$15.00} fee may seem trivial, however, I think this case is quite extraordinary in how blatantly unethical it is -- violating a guarantee given to a customer and going so far as to almost flaunt how powerless I am to appeal.
Product: Mortgage

I live in Florida and my mortgage company is located in Virginia. I have a construction loan that is at the end of the final draw. {$45000.00} is 10 % of the {$450000.00} loan that's being held. Every time I have had a concern or issue with the builder I have addressed it with my lender. It got to a point where they got fed up with me always complaining about the suspected fraud and concerns for the third party company they hired to inspect my home. I have brought up my concerns about this company and not in agreeance with them approving certain draws but they told me that it doesn't matter that at the end I will have the final say and 10 % will be held and to let the builder do his job. It's been two years of dealing with this nightmare. I confided in them, trusted them to act in my best interest but they have completely disregarded everything I have told them -- like the builder defrauding them, misallocation of construction funds, plans submitted to them do not reflect draws they have authorized, draws that their inspector approved as 100 % complete, not complete. I was advised that 10 % would be held until CO, lien waivers, final walkthrough, and all final inspections pass by the county but I recently received an e-mail from them advising that  the house is 100 % complete when none of the inspections have passed, CO not complete, and survey not done. The construction loan matured several months ago but its no fault of mine. They granted extensions due to the significant issues at hand but refuse to talk with me over the phone. I am concerned that they are maliciously trying to approve my final loan without getting lien waivers ... another concern I brought up on multiple occasions.. subcontractors not paid for the work they did on my house. I just want answers. I've never been through this process and completely trusted that they would act in my best interest to guide me through it all and they have done nothing to help get this loan closed. I have paid interest totaling over $ XXXX! The last e-mail I sent was on XX/XX/2020 requesting information about closing, releases of liens, a phone call to me, requested to be the point of contact for the appraiser but to date, no one has reached out to me. Am I not entitled to call? Am I not entitled to have my loan transferred? Am I not entitled to exercise my legal right and demand answers? How can they just refuse to talk on the phone? It's a shame that I have to specifically indicate in each e-mail that my conversations are to be kept in confidence. Because if I don't then they run off and call my builder letting him know I've complained once again which worsens things between me and the builder. I can't even keep a conversation between myself and the lender in confidence. The biggest mistake I made was trusting a company not located in Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX a company by the of XXXX XXXX XXXX . opened an account in my name. I found out by checking my credit report. I have no knowledge of an account and why they would do this. I know i own XXXX XXXX dollars but that do not give them the right to open an account in my name. Which now has affecting my credit score. The company is located in XXXX   Fl. Please tell me what I need to do
Product: Money transfer, virtual currency, or money service

On XX/XX/2018. I did a money transfer through Moneygram, and was denied service by an error i received on their site. The site told me to contact a Moneygram help number tel : XXXX. The help representative assisted me by asking me questions then after i answer his questions I was told that Moneygram did not feel comfortable with making my transfer and then canceled my transaction. I was also told that the service will no longer be available for me and that they had already deleted my account on the site. I had also given Moneygram all my account details for verification including my name, date of birth etc. When i asked for a reason why my account had been deleted he told me he could not disclose the reason that my account was erased that it was in the policy of the company. I cant make another account on the site using my card that did the transaction. I was able to make a transaction via a Moneygram on site location. The only service that seems to be affected is their online transaction service. I have used Moneygram for about 2 years in the past and this is the first time i have ever encountered such a fierce action against my account associated with this case.
Product: Credit card or prepaid card

USAA Closed a credit card account without sending any notice they were closing that credit card ( account number ending in XXXX ) nor did they send any notice for reasons they used for the card closure. The claim they sent a letter XX/XX/2020 informing me of this. Letter was never received. The letter they claim to have sent, and have since furnished, indicates closure of credit card with an account number ( credit card account ending in XXXX ) which does not exist. They are reporting a closed account to the credit reporting agencies, this has a negative effect on my credit score which has resulting in financial loss to me. I have uploaded the original letter they allege they sent, with the account number XXXX as well as a credit card statement from the same time period showing the credit card account number ending in XXXX. I have attached the letter USAA furnished, a XX/XX/2020 letter with a credit limit review as well as a statement showing my USAA credit card account number.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX XXXX XXXX/XXXX/1962 American express send me this letter about an account and a request for a second card. 

I NEED THIS TO BE CLEAR I DO N'T HAVE AN AMERICAN EXPRESS CARD AND AND NEVER REQUESTED AN AMERICAN EXPRESS CARD. 
someone has stolen my id and applied for a card in my name see attached doc I need for this to be stopped and some XXXX call me at XXXX to get this resolved. 

i have been on the phone of over an hour and was transferred to XXXX THREE TIMES THEN TO XXXX THEN TO THE XXXX AND NO ONE COULD HELP ME!!!!!!!!
Product: Checking or savings account

On or XXXX XXXX XXXX XXXX XXXX XXXX XXXX to look for a truck cap to purchase. There on XXXXXXXX XXXX place as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They said they had a truck cap that would fit my truck. They would only take Zelle as payment method. They want {$800.00} plus {$200.00} for shipping. Now they had a shipper called XXXX XXXX XXXX XXXX This shipper wanted a {$650.00} insurance security deposit refunded upon delivery. I never paid the {$650.00} and they never delivered the truck cap. I filed a complaint with my bank XXXX XXXX XXXX XXXX. They took my complaint but did not refund my money. There rep said that Zelle would have to give me my money back. They havent called me nor sent my money back to me. Please advise this crook is still on XXXXXXXX XXXX  scamming other people.
Product: Debt collection

I mailed XXXX letters to the company informing them that this account was never mines. I was A college student during that period of life and never held an account with any phone company. My Parent paid my phone bill during the Time period. The debt is also well over the statute of limitations. 
I was too young to hold this account.
Product: Credit card

I have a Kay Jewelry credit card that I have had for 20+ years, now under Comenity Bank . My account was paid off for several years and I received notice in XXXX XXXX that I had to use it or I would lose it. I used the card for a random purchase in XXXX, and quickly thereafter ( XX/XX/XXXX ) made a {$200.00} payment, leaving a balance of {$73.00}. That cashier 's check from my bank was not cashed until XX/XX/XXXX. Two weeks later XX/XX/XXXX, I made another payment ( same way through my banks web bill pay ) to pay the balance of {$73.00} off. I accidentally set the payment for {$270.00} ( which would have left a XXXX credit on my account ). XXXX XXXX, I receive a call from Comenity stating that my payment was late. I did not understand what happened, and checked with my web bill pay, and could see that the check was sent in XX/XX/XXXX. So I informed the representative on the phone, and they said they would wait for the check. Later in the month, I received a letter from my bank processing center along with the check they sent to Comenity, and a letter from Comenity stating that my payment was being returned. On XX/XX/XXXX I spoke with another representative from Comenity who stated that my account is now 30 days past due and they have added a {$35.00} fee to my balance. I explained that my pay-off payment check was returned to me late XXXX, and that I would pay it while she was on the phone. She then waived the XXXX fee, and since they would not accept my credit card as payment, I sent the remaining {$73.00} from my bank bill pay ( all this on XX/XX/XXXX ). On XX/XX/XXXX, I received a notification from the credit bureau that a derogatory was put on my credit report.i went in and checked what it was, and it was a 30 day late from Comenity Bank ( Kay Jewelers ). I then called my bank, who informed me that Comenity presented my check through the banking system on XXXX, and it was paid on XX/XX/XXXX. I called Comenity, and asked why they reported to the credit bureau that I was 30 days late, and they said they didn't receive my check until XXXX, and that put me to 30 days, and also notified me that they added another {$35.00} late payment fee, as well as rescinded the previous waiver, leaving a new balance of {$79.00} ( both late fees plus interest ). I explained everything that happened, to no avail, so to be done with them, I paid the erroneous charges with .y debit card. I feel that they victimized me by returning my check to me ( very late after receiving it ), allowing them to assess new charges, as well as applying my payments late so that they COULD assess those charges. I have electronic evidence from my bank showing when the checks were sent, and when they were cashed, as well as the payoff check that they sent back to me in XXXX. This was all unethical and predatory. I have good credit, and pay my bills on time.
Product: Mortgage

My mortgage was transferred back in XXXX of 2016 from XXXX to LoanCare. On XXXX/XXXX/2016 I called loancare to verify if they 've done any payment to my hazard insurance company ( XXXX ) since my due payment is on XXXX/XXXX/2016, surprisingly the loancare agent told me that my hazard insurance is not included in my escrow account, however it was disclosed when the transfer took place back in XXXX, also the loancare agent informed me that I should 've received refund check of amount {$570.00} back in XXXX 2016, so I told him that I did n't receive any refund check of this amount, after all the runaround given by loancare employees along with speaking to the manager for the past two weeks .After being frustrated and hopeless, I decided to avoid the confusion and take care of my home insurance myself, therefore I called back loancare and told them to send my refund check which I was supposed to get back in XXXX 2016, so I could pay my home insurance by myself, and I ask them to do not include my hazard home insurance in my escrow account in other word just keep the mistake they 've done the way it is, because I did n't want to cause more confusion .Until today I still have n't received my refund check, and every time I call loancare I get a different story from their employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received a copy of my credit report and noticed several discrepancies on my credit report being reported as collections. I do not notice these accounts and never applied for them. I then reached out to XXXX, XXXX, and Experian to let them know of the incorrect info they where reporting as well as to report that I do not own these accounts. An investigation was done and these accounts were verified and they even updated the personal information on these accounts from first being fraudulent information to now the correct information that does belong to me. How is that lawful? I mean to update an account with someones personal information after they had already told you the account didn't belong to them is wrong in so many ways. By doing research I found out how to submit a complaint through CFPB. However, after doing so these account where closed. Yet are still being reported on my credit report. I am in need of my report to be corrected so that I may be able to utilize my credit to move forward in life. Please help me!