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

I disputed inaccurate information for the account XXXX XXXX Credit XXXX of XXXX  with the creditor. Accordingly, as per the FCRA the creditor is required to conduct a reasonable investigation and modify or delete the disputed information as I requested before the end of the 30 day period of the date in which they received my original claim. Upon my dismay, the creditor failed to conduct a reasonable investigation for the dispute. As attached you can see the inconsistencies between the 3 credit bureaus. Experian is reporting a duplicated account for the same creditor and the same balance twice. However, theres several inaccurate information between the two reports for the same credit account. The account is reporting as potentially negative/ delinquent/past due 120 days when the account is currently positive and paid as agreed. The last active date reported was XX/XX/2023. The monthly payment is reflecting a monthly payment of {$250.00} and a balance of {$3000.00}. The creditor is in violation of my FCRA rights and is committing double jeopardy therefore negatively impacting my credit score.
Product: Checking or savings account

I have wrote the check to Landlord ( Rental Office ) for rent. Check was altered before deposit by person and HSBC Bank did not verify before the released fund to other person other than Payee ( Rental Office as Rental office never received the check ). I have personally stop by HSBC Branch at XXXX XX/XX/XXXX XXXX XXXX, NY. XXXX Spoke with XXXX XXXX XXXX XXXX. and she have open the case on XX/XX/XXXX. I have also spoke on XX/XX/XXXX and stop by again on XXXX and spoke with her regarding status of my fund. She told me to wait. I have call again her on XX/XX/XXXX & XX/XX/XXXX. On XX/XX/XXXX she advised me to wait for 120 days. I can't wait. That was not my fault. Bank error and bank did not verified all the information as it was clearly HSBC bank error and check was altered and released the fund to another person account instead of Business account of Management company. Please assist me to get my fund back into my account ASAP so I can use this fund to pay the rents.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting

On XX/XX/2015 & XX/XX/2015 unauthorized inquiries were submitted to Experian. I have spoken to reps from experian advising that I did not authorize these transactions. The representatives advised I would need to wait 2 years for this information to fall off from my report. XXXX : XX/XX/2015 ; XXXX : XX/XX/2015 ; XXXX : XX/XX/2015 ; XXXX : XX/XX/2015 ; XXXX : XX/XX/2015 ; XXXX XXXX XXXX : XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXs Account # XXXX, XXXX XXXX XXXX Account # 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: Debt collection

I requested for validation of debt and your company sent me a list of statement and a fraud packet. THAT IS NOT VALIDATING THE ALLEGED DEBT. YOUR COMPANY HAS VIOLATED THE FDCPA BY FURNISHING DEEPTIVE FORMS AND COMPILING INFORMATION TO MAKE IT AS IF IT IS A BILL. YOUR COMPANY IS ALSO BIOLATING THE FCRA YOU ARE TEPORTING THIS ACCOUNT ON MY CREDIT INACCURATE AND INCOMPLETE YOU ARE A THIRD PARTY DEBT COLLECTOR WHO IS REPORTING THE ACCOUNT ON MY REPORT. HOW CAN A COLLECTION BE LATE? YOUR COMPANY IS CAUSING DAMAGE TO MY REPUTATION EMOTIONAL DISTRESS XXXX AND DEFAMATION TO MY CHARACTER. NOW I AM SIMPLY DEMANDING THAY YOU REMOVE THIS ACCOUNT FROM MY REPORT OR I AM TAKING MY CLAIMS UP WITH AN ATTORNEY TO FILE A LIGITATION AGAINST YOUR UNFAIR DEBT COLLECTION PRACTICES AND SEEK CIVIL LIABILITY AN ACTUAL DAMAGES OF {$1000.00} PER VIOLATION. PLEASE DELETE THIS ACCOUNT FROM ALL 3 OF MY CONSUMER SEE ATTACHED.
Product: Debt collection

My name is XXXX XXXX and I went to prison on XXXX and I was released XXXX of XXXX. XXXX XXXX  XXXX sent me and filed with the credit bureaus that I owe {$560.00} to Citi and XXXX. I blocked my card at a Citi bank and was told no charges would be allowed on the card until I reactivated the card. I did this because I was going to be in prison and I did this for this exact reason. I contacted XXXX and they told me the card was used and someone paid some of the balance through XXXX. I did not authorize this and the card was locked. I don't know how this happened, the card was locked. When the card was locked in XXXX XXXX I had a limit of {$2000.00}, a credit of {$5.00} owed to me and rewards in the balance of {$690.00} which Citi never returned to me. I have sent paperwork to Citi and XXXX to show that I was in prison and I had locked my card but nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus are reporting erroneous information on my credit file and i've been disputing the information for months.
Product: Checking or savings account

I don't really care if they have the right to close your account. Banks don't have a right to hold your money hostage. We the people have the right not to keep our money in their bank if that is how they feel about us! We have a right to protest against their unfairness & abusive tactics! It's our business that keeps them in business! They are only hurting themselves when they do close peoples accounts. They are also hurting me because I can not pay my bills because they don't care! they just don't care! Especially during this type of virus pandemic with usaa closing my account & not letting me have access to my money during this pandemic! I hope they XXXX XXXX   XXXX  & XXXX! Since they are trying to make me XXXX!
Product: Credit reporting or other personal consumer reports

FULL METRO 2 COMPLIANCE AUDIT FAILURE CFPB INVESTIGATION REQUESTED I am filing this formal complaint against TransUnion LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 Compliance Requirements, and Federal Consumer Protection Laws.

Despite multiple legal demands, TransUnion has : 1. REFUSED TO COMPLY WITH A FULL METRO 2 COMPLIANCE AUDIT DEMAND On XX/XX/year>, I submitted a Full Metro 2 Compliance Audit Demand, requiring TransUnion to verify the following accounts : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX TransUnion failed to verify all XXXX Metro 2 data fields as required for compliance. 
TransUnion failed to provide a legally sworn affidavit proving compliance with FCRA 1681e ( b ).

TransUnion refused to submit UCC-1 documentation proving proper account ownership ( per UCC Article 9-203 & 9-210 ).

2. RELIED ON ILLEGAL DISPUTE PRACTICES TransUnion is falsely claiming they are " waiting for the creditors response '' instead of conducting an independent investigation, violating FCRA 15 USC 1681i ( a ).

TransUnions reliance on automated e-OSCAR responses violates FCRA 1681e ( b ), which requires manual reinvestigation. 
TransUnion failed to delete unverifiable accounts within the legally required timeframe, violating FCRA 1681i ( a ) ( 5 ) ( A ).

3. CAUSED FINANCIAL & LEGAL DAMAGES THROUGH NEGLIGENT REPORTING Denied credit applications due to inaccurate reporting.

Increased interest rates due to unverifiable negative accounts.

Severe emotional distress from TransUnions willful negligence.

4. VIOLATED THE GRAMM-LEACH-BLILEY ACT & PRIVACY ACT TransUnion failed to disclose full records of entities accessing my credit file, violating federal consumer privacy laws.

If unauthorized third parties accessed my file, this constitutes a severe data breach & GLBA violation. 
FORMAL REQUEST FOR CFPB ENFORCEMENT ACTION I am formally requesting the following actions by the CFPB : 1 FORCE TRANSUNION TO PROVIDE A FULL CFPB AUDIT OF THEIR METRO 2 COMPLIANCE PROCESSES.

2 IMPOSE SUPERVISORY ACTION AGAINST TRANSUNION TO ENSURE FCRA COMPLIANCE MOVING FORWARD.

3 REFER TRANSUNION FOR FEDERAL INVESTIGATION INTO SYSTEMIC NON-COMPLIANCE.

4 LEVY FINES AGAINST TRANSUNION FOR WILLFUL FCRA VIOLATIONS & PRIVACY ACT VIOLATIONS.

5 REQUIRE TRANSUNION TO DELETE THE DISPUTED ACCOUNTS IMMEDIATELY OR FACE PENALTIES. 

If the CFPB refuses to investigate, I will escalate my complaint to federal agencies for enforcement.
Product: Debt collection

On XX/XX/XXXX I was alerted through a credit monitoring email that ProCollect , Inc had placed a derogatory mark on my credit report for a balance owed to an apartment complex, The XXXX XXXX, of {$240.00}. Prior to placement of this mark on my credit report I had no knowledge of the alleged debt and had never received any correspondence or communications from ProCollect or the apartment complex about this debt despite leaving my forwarding address and phone number with the apartment complex and confirming my account was clear at move-out. The apartment complex has not returned my deposit of {$250.00} which would have covered the alleged debt amount nor have they sent any final statement. I moved out of the apartment in XX/XX/XXXX in accordance with my lease after closing on my new home. I am an attorney and would never jeopardize my credit for an unpaid {$240.00}. I had always paid my rent on time in the 3 years I lived at the XXXX XXXX from XXXX. I personally cleaned the apartment and left it in good condition with no damage upon moving out so I can not imagine what the alleged debt is for. I have videos of the apartment condition at move out. 

After learning of the derogatory mark, I called ProCollect and the apartment complex immediately on XX/XX/XXXX. When I could not reach the XXXX XXXX  by phone, I called the owner, XXXX XXXX. The XXXX  rep stated she did not find any evidence that I owed a balance and that it was likely a mistake and would have someone call me back. Since then, neither XXXX  or XXXX XXXX have responded to my email or calls. ProCollect refused to provide me any validation of the alleged debt or say what it was for but requested payment over the phone. I made it clear to them I was disputing the debt and that I had no knowledge or notice of the alleged debt and that they had not attempted to contact me prior to placing a mark on my credit report. On XX/XX/XXXX, I sent ProCollect a letter via certified mail and email disputing the alleged debt and requested any evidence from the apartment complex ( Statement, invoice, contract etc ) that would validate the debt and their right to collect. I also requested they remove the mark from my credit report. After the call and sending them the letter, on or about XX/XX/XXXX I received the first letter ever from ProCollect in the mail ( letter dated XX/XX/XXXX ) attempting to collect a debt without any information or validation as I requested and required by law in violation of fair reporting laws. I still have not received a response to my letter with proof of the alleged debt and the ProCollect account and derogatory mark is still on my credit report as of today XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to you for the fifth time to address the unresolved issues on my credit report, specifically regarding late open accounts and a charge-off account that is inaccurately tiedup to open accounts. Despite my previous attempts to rectify these matters, the credit reporting agencies have failed to take appropriate action to correct the inaccuracies. These unresolved issues continue to have a detrimental impact on my creditworthiness and financial standing. 

I request that you intervene to ensure that the credit reporting agencies fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). This includes promptly correcting the late open accounts and removing the inaccurately tied charge-off account from my credit report. Furthermore, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' failure to address these issues in a timely and satisfactory manner. With this, I am asking for your assistance to remove the charge off account and correct the late open accounts in my credit file : XXXX XXXX XXXX  Balance : {$990.00} ; XXXX XXXX XXXX  Balance : {$290.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$710.00} - tied up charge off to open account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX 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 : 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 : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : 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 reporting or other personal consumer reports

the following inquires were not made by me please send documents of who you spoke to Verify these inquires and application with my signature and who you spoke with XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PLEASE INESTIGAGTE THESE INQUIRES
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX XXXX received and accepted through certified mail a dispute for the following account : ( XXXX XXXX, ACCOUNT # XXXX ). XXXX did not respond to my request for debt validation, simply closed the dispute as verified without providing me any debt validation. On XX/XX/XXXX I sent a follow up letter requesting for the method of debt validation that was used to validate the debt, XXXX failed to respond again and continues to close the dispute as validated without sending proof of debt validation or how they validated the debt.
Product: Checking or savings account

In XXXX I received a letter in the mail from Chase bank regarding my XXXX  checking account. It was a " checking summary '' and showed that on XX/XX/XXXX there was a " XXXX XXXX- Check Charge of the full amount of my account, {$2300.00}, leaving my account with a balance of {$0.00}. Panicked that someone stole my XXXX XXXX and entire bank account, I called the number on the statement and reached a Chase representative. I was eventually forwarded to someone who told me that my account was permanently closed and it was under an active investigation with the fraud department and nothing else. I asked questions and tried to understand the reasoning behind someone investigating my account. They would not tell me anything and even suggested the possibility I would not get my money back. I felt and still feel completely robbed and violated. This bank account is for my XXXX XXXX which I legally started with the state of Pennsylvania in XXXX of XXXX. I have only deposited XXXX payment to my business for {$20.00} within the time it was opened. I have gone to my local Chase bank branch and the manager and associate both tried to help and call the main office for answers and also got nothing. I call Chase weekly for the status of my {$2300.00} and they respond with, " the investigation is ongoing ''. I've looked online for similar stories to mine and have found several in which Chase has closed their accounts, cite investigations and still have not returned their money. I have called Chase to complain about being investigated for no reason whatsoever. My mortgage and main household credit card which I share with my husband are both with Chase and I have an exemplary record as a customer with an impeccable credit rating. I feel like I am the victim of fraud from Chase. There is nothing in my life that I do that would suggest malfeasance, fraud or otherwise. I would very much like my money returned swiftly and some sort of explanation as to why and what prompted Chase 's fraud department to close my account and keep my funds. This is an outrage and very unsettling.
Product: Debt collection

I am filing the complaint against CREDIT CONTROL COMPANY because they have ignored my request for a reinvestigation since XX/XX/2021. I have not had one response from this company. Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

My rights under the Gramm-Leach-Bliley Act, specifically 15 USC 6802 ( b ) and ( c ), have been violated by the improper handling of my personal financial information. 

According to 15 USC 6802 ( b ), financial institutions must provide clear and conspicuous notice about their privacy policies and practices, including the categories of information collected and disclosed, and the third parties with whom the information is shared.

Additionally, 15 USC 6802 ( c ) requires that customers be given the opportunity to opt-out of the disclosure of their nonpublic personal information to nonaffiliated third parties. 

The specific ways my rights have been violated are as follows : Lack of Proper Notice : I have not received any clear and conspicuous notice from the financial institution ( s ) responsible for the information reported to your bureau about their privacy policies and practices. There was no explanation of the categories of information collected and disclosed, nor a list of the categories of third parties with whom my information might be shared. 

Failure to Provide Opt-Out Opportunity : I should have been given the option to opt-out of any sharing of my nonpublic personal information with nonaffiliated third parties. To date, I have not been provided with any means to exercise this right. 

Unauthorized Disclosure : Without the proper notice and the opportunity to opt-out, my personal financial information has been shared with nonaffiliated third parties. This unauthorized disclosure has led to the inclusion of inaccurate information on my credit report.
Product: Mortgage

Mortgage Company, JP Morgan Chase Mortgage gave a seller a privilege to sell their property through a Short Sale. The value came to {$640000.00}, but the approval letter was {$720000.00}, but that buyer walked away. 
We have a new buyer, the FULL Appraisal Value came to {$660000.00}, but JP Morgan Chase Mortgage did a Broker Price Opinion, BPO, that gave a value of {>= $1,000,000}, and we disputed it with a real appraisal report, but Chase insists on a {>= $1,000,000}, which is an effort to frustrate the Short Sale. 
One of our contention is that the property could not have increased in value from {$640000.00} two weeks ago, during this Corona Virus period, by over 50 %. 

There is no way a property that appraise XX/XX/2020 for {$640000.00}, no suddenly appraise for {>= $1,000,000}, XX/XX/2020. They should notice that error and address it.
Product: Debt collection

XXXX XXXX XXXX, XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, NJ XXXX has been sending me collection notices in the amount of {$9700.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit card

I called Bank Of AMERICA two times during the last three weeks. I asked them to close my spirit credit card account because they had charged me an annual fee of {$79.00}. They agreed and told me that it will be closed and the {$79.00} refunded back. Also, each time I called, I was on the phone for about half an hour, including the hold time, however, my account is still open and the {$79.00} is still there. I am tired of wasting my time calling them.