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

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting or other personal consumer reports

From XX/XX/scrub> 2024 I noticed some information being reported inaccurate causing adverse action while trying to obtain Credit. I have requested this information be corrected and send me information regarding my payment history The results would always say the information was accurate.60 Days later I filed a complaint with CFPB regarding the handling of the situation. On my Credit report i Have two Separate accounts with XXXX that are reporting different information ( Payment History, Name of company with account, Account status, these issues that i have been begging the credit bureaus to delete and remove all inaccurate information, Inaccurate payment history. The documents I have attached will show both accounts and the have inaccurate information from burau to bureau This company has proven that my rights under the FCRA means nothing. This company refuses to comply with the law by making sure the information they share is accurate. it is approaching 90 days since the I've made my initial complaint of the incorrect information being shard and every complaint was responded with more negative information More incorrect information and no desire to respect my covered rights
Product: Credit reporting or other personal consumer reports

My credit report shall not reflect transactions made between consumers and the person making the credit report. This is in violation of the FCRA 15 USC 1681a ( 2 ) ( A ) ( i ) My credit report shall not show charged off accounts having a balance. This is in violation of the FCRA 15 USC 1681a ( 2 ) ( A ) ( i )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX there is there is a hard inquiry showing on my XXXX Credit report and when I called Wells Fargo who it says is the creditor who is reporting this info they have no record showing of an inquiry ever being made under my social security number when I ask them to send me supporting information they told me they were unable to do so because they did not have any information for me. I spoke with 3 separate representatives the last of whom was XXXX XXXX in the credit application department on XX/XX/XXXX who confirmed that she did not see any informal in their system for me. All XXXX representatives that I spoke with said they could find nothing under my social security number which I gave. I then called XXXX who told me to file a dispute because it had been over 6 months since the supposed inquiry was made I however could not see it on my credit report until this past month. I do check my credit report at least once per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX  DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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: Mortgage

My complaint is about Wells Fargo Mortgage handling of escrow accounts. I refinanced with Wells Fargo on XXXX of XXXX. You would think that they would calculate local property tax during the refinance and in the middle of the year, but they do n't. In XX/XX/XXXX, Wells Fargo tells me that I owe {$13000.00} in taxes to them because of an error in escrow calculation. So now I am forced to pay {$13000.00}, which I do n't have or {$1000.00} extra in Mortgage which is outrageous. I called the escrow department and they said they only do escrow analysis once a year and nothing could be done about it. Wells Fargo has had a bad reputation on how they deal with customers. My only problem is that this could be a nationwide issue. Wells Fargo is trying to get people to pay more on their mortgage leading to foreclosure or some default. This issue needs to be investigated. I have a good job, so I am barely getting by, but they might be hurting vulnerable customers. Bad and deceptive mortgage practices like this are hurting many homeowners in the past and now.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 XXXX XXXX XXXX " XXXX '' were made 2 payments from our account in XXXX " XXXX '' XXXX XXXX XXXX of {$40000.00} and {$18000.00} to account in XXXX ( XXXX ) XXXX XXXX  XXXX BUILDING ( HSBCCNSHXXX XXXX XXXX 
The payment was made from buyer to seller to finance the product. 
The intermediary bank ( JPMORGAN CHASE BANK , N.A . ) informed that the payment can not be processed in accordance with original instructions due to sunctions under the Russian program under regulations issued by the OFAC. 
In order to apply to XXXX for a Payment Release License, XXXX XXXX must obtain confirmation of the payment blocking date. 
However, since XX/XX/2022, the JPMORGAN CHASE BANK , N.A . has ceased to respond to all requests fromJSC " XXXX XXXX and does not send a message about blocking these payments. 
XXXX XXXX XXXX " XXXX '' asking you to oblige the Bank to send to us the specified confirmations of the date of blocking payments. 
With best regards, CEO XXXX " XXXX ''
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I got a copy of my credit report and noticed some accounts balances that are incorrect. I contacted the company 's and was told the documentation required to update the inaccurate items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be. XXXX XXXX XXXX XXXX Account balance shows {$1100.00} as of XX/XX/XXXX. Account balance was showing {$180.00} I owed left to pay. I made last payment on XX/XX/XXXX {$180.00} then out of no where it says account balance {$1100.00} once I paid the remainder balance off. Could you please update my account balance for your convience which should be XXXX $
Product: Debt collection

Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Account # XXXX XXXX XXXX XXXX Portfolio Recovery, a debt collector, has reported a debt maintained under my Social Security number to XXXX  and XXXX, credit reporting agencies. Portfolio Recovery has failed to validate this debt. 

The South Carolina Statute of Limitations is three years. Portfolio Recovery states they purchased this debt on XX/XX/2016. 
I enclosed copies of my requests to Portfolio Recovery, asking them to validate my debt, ( Fair Debt Collection Practices Act Sec. 1692g. - Validation of debts ) and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. No listings for {$790.00} from The XXXX XXXX or XXXX XXXX are recorded on any of the three credit reporting agencies. I challenged the accuracy, compliance, and reportability of this listing. 

I also sent XXXX  and XXXX  asking them to validate this debt. No information was provided back to me from XXXX  or XXXX  that validates this information and provided me no documentation associated with this account, bearing my signature or any such documentation. 

FTC opinion letter on validation Section 809 ( a ) of the FDCPA, 15 U.S.C. 1692g ( a ), As per Attorney XXXX XXXX XXXX Division of Credit Practices, This letter says it all - a printout is NOT sufficient evidence of a debt and the burden of proof is on the collector.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXXNotarize signed letter asking for Method of Verification XXXXXXXX A second affidavit was sent and signed asking again for a Method of Verification. My experian report number from XX/XX/XXXXXXXX XXXX XXXX my report states the XXXX XXXX XXXX balance was XXXX dollars open on XX/XX/XXXX and updates on XX/XX/XXXX. 
That is one of the most recent accounts that are misleading on my credit report and in violation of laws. 
Despite two written requests, letters dated and delivered on : XXXX the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly ; who verified these accounts? XXXX XXXX  Account was added XX/XX/XXXX and a balance of XXXX then was CHANGED and went DOWN TO XXXX. HOW was this method verified.
Product: Payday loan, title loan, personal loan, or advance loan

I need to understand why i am getting charged interest AND a customary fee EVERY 2 weeks. The interest i understand but the customary fee is illegal and unfair. It's 260 % of the loan EVERY 2 weeks. Based on what i have read and discussed, MoneyKey is violating federal law and stealing money from it's customers. If i am wrong then please explain this fee to me.
Product: Credit reporting or other personal consumer reports

As a Consumer I have the right to a fair and accurate credit report. 15 USC 1681e ( b ) ensures that CRA 'S follow reasonable procedures to ensure maximum possible accuracy of the info being furnished about me. I have late payments on my latest report that are not being reported to the maximum possible accuracy. 15 USC 1666b ( a ) ensures that late payments be reported using reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I am requesting proof in the form of documentation from CRA 's that shows XXXX XXXX used reasonable procedures from 15 USC 1666b ( a ) and that CRA 's used reasonable procedures from 15 USC 1681e ( b ) to ensure the info was accurate before posting it to my report.
Product: Bank account or service

Hi a wire was send to pay, {$4000.00} and one for {$350.00} for shipping.for an invoice, for a total of {$4300.00} thru Wells Fargo Business account, the same day that was Re-send was stop by me in the same day XX/XX/2017 that was a Friday, was stop by me, at the Bank with an officer and with wire customer service, the wire customer service, do to be Friday their left it for the following Monday the XX/XX/2017 this is neglecting in their part, and their send the funds anyway, now we are out the funds and their just washing their hands, telling me is to late, there is no way we going to lose that money, so we ask to help us in this matter Banks always get away with murder, their always committing fraud again customer and no body cares, we ask that their credit our account do to their neglecting specially today that everyone is a victim of fraud daily.
Product: Credit reporting or other personal consumer reports

I have exercised my right to privacy and opted out of XXXX XXXX  ( a financial institution ) from disclosing my personal non public information with ChexSystems Inc a non affiliated third party according to the Gramm Leach Bliley Act. US Bank has never supplied me with a notice of disclosing my information to non affiliated third parties nor did they give me a way to opt out. XXXX XXXX  has refused to acknowledge my opt out request by me writing them and filing CFPB complaints. My ChexSystems credit report is now being used IMPROPERLY AND INACCURATE. ChexSystems has to ensure my report has maximum possible accuracy according to the FCRA. As well as, I never gave ChexSystems Inc written instructions to report and disclose my report with XXXX XXXX  in accordance with the FCRA. ChexSystem is now committing fraud against me by conspiring with XXXX XXXX by reporting this account when I never received a noticed saying so. My next complaint will be with the ( SEC ).
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting act XXXX  account # XXXX, has violated my right. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written consent or instructions. 

XXXX XXXX XXXX  - Account # XXXX
Product: Checking or savings account

On Tuesday XX/XX/XXXX, I was alerted that my Chime Bank Account was being hacked. I called Chime customer service to alert them that it wasnt me. The hacked had accessed my acct. changed my email and phone. The representative help me regain my account access and i assumed XXXX  was fine. with a hour later i got more alerts about my account I called chime again and. We went through the process of regaining my account access but this time the person was able to take all the money out of my checking and savings account. Totaling $ XXXXall in five minutes. Also all while I was on the phone with the Chime representative. Today my account was hacked again no money was taken because it was all taken on tuesday. I called Chime to see what the status of my funds being returned and they told me it could take up to 90 days. I have bills that can t go unpaid until then. Im confused on what type of investigation that need to make that would take that long. I need help! I also wish to prevent this from happening to another innocent person who is just trying to make ends meet as I am.
Product: Prepaid card

My XXXX stimulus was stolen while I was in prison and they stole XXXX from me mostly at casinos which at the time I wasnt even XXXX and couldnt go to a casino and other factors that prove my case but they denied my dispute for. No reason and never got back to me
Product: Credit reporting or other personal consumer reports

This is a complaint against XXXX XXXX. My problem started when I bought a house located at XXXX XXXX XXXX, XXXX, CA XXXX. I never lived at this address, as soon as I bought it I put it up for rent starting XX/XX/XXXX. I don't know when someone used my name to open an account with XXXX XXXX without my consent. I contacted XXXX XXXX but they would not give me any information about the account. They say they don't have any information because the account was closed and they gave me the phone number for the XXXX XXXX collections department. When I called that number I asked them if they had any type of document signed by me confirming my identity or if they could verify any information about my ID that they may have on my profile. I asked them what the name and address on the ID is. I also asked them what places the card was used. They were unable to give me the information I requested and they would not help me confirm the identity of the card user. I am requesting that they remove this fraudulently opened account from equifax, XXXX and XXXX. I am attaching a copy of the police report for identity theft, I am attaching my electric bill from XXXX which confirms my address at the time. XXXX XXXX ' collection department sends monthly unpaid reports to Equafax, XXXX XXXX, and XXXX. I can't pay for something I never bought. I never signed for anything. It's a fraudulent account, no one wants to help me. I have tried to file complaints with XXXX, Equafax, and XXXX XXXX, and they never want to help me. They always deny my complaint. I am asking for help. Please, this has to stop. My credit is ruined by criminals who used my identity. I will never apply for a loan or card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion File # XXXX page 4 of 10 XXXX XXXX XXXX XXXX is to be removed XX/XX/2018 and I have not received a copy from Transunion on an updated report removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment is showing 30 days late, however, the payment for XX/XX/2020 was included within the loan payoff submitted/wired by the XXXX XXXX XXXX on XX/XX/2020. I have included the settlement statement within the attachments. The overall account has been paid off as of XX/XX/2020 and needs to be reflected accordingly. 

Being that the closing took place on the evening of XX/XX/2020 ( Friday ), the title company was not able to wire the funds until the following business day which happened to be a Monday ( XX/XX/2020 ). This was completely out of my control. 

Furthermore, the decision to sale the property was due to financial impacts of COVID-19 which was also the reasoning behind including the XXXX payment within the overall payoff as I was unable to make the payment by the payment due date.
Product: Credit reporting or other personal consumer reports

As of XXXX XXXX American Honda Financial said that they are going forward the information to a collection agency because of the Fair Credit Act they will pause on pursuing me.
Product: Debt collection

National Service Bureau XXXX XXXX XX/XX/2018 Has purposely done this on purpose. Because I challenged them and they never responded but still on my credit report a 609 fair credit report. Because legal action is where I am going to because of the damage you did to my credit when you know you just was buying up debt and we never sign nothing. Show me or remove it. Because a lawsuit is my next option because we in a crisis and you are a liar that I owe you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union failed to respond to my dispute letter of XX/XX/2021 within 30 days. I sent this letter XXXX certified mail and have enclosed a copy my original letter, the certified mail receipt, and the XXXX tracking report showing delivery on XXXX, as well as my follow up letter on XX/XX/2021. 

No response or action was taken on their part. This failure to comply with federal regulationsby a credit reporting agency violates the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; US DEPT OF ED/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXX  XX/XX/2023.