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

Im writing directly as the consumer affected by the inaccurate reporting on my credit report, and this is now my second attempt to resolve the issue privately. Theres no third party involved, so I expect a personalized response, not an automated or computer-generated reply. Ignoring this could be considered a willful violation of the Fair Credit Reporting Act ( FCRA ), leading to damages of up to {$1000.00} per violation or more if actual harm is proven. Im disappointed that this correction hasnt been made yet, and Im requesting immediate action. The unauthorized account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This information violates 15 USC 1681b ( 2 ), which allows reporting only when the consumer provides written permission. I never gave that authorization, so this account should not be on my report. Its presence has caused serious damage, including financial instability, emotional distress, and credit denials. Im asking for this account to be deleted immediately, and I do not consent to verification through automated systems like E-OSCAR. I expect confirmation of deletion and an updated report within 14 days. If this isnt resolved, I will have no choice but to take legal action under 15 USC 1681n for damages caused by this ongoing violation.
Product: Checking or savings account

Received a call XX/XX/XXXX saying they were Wells Fargo and they stated my account was compromised so I had to move all my information to my new card but the callers were the scammers. Went to Wells Fargo as soon as I hung up the call to make a claim and they said they couldnt do nothing about it. The amount was XXXX. These scammers had information about my past card with the last 4 digits code and the security 3 number digit code as well as my address and more Info which made me believe they were Wells Fargo. Made me transfer my money to XXXX XXXX and Im not sure how they made that amount of money transfer quickly but none of them want to take the blame. The amount was pending for several days and I made the claim a fair amount of time so they had time to reverse the funds but they didnt.
Product: Credit reporting or other personal consumer reports

I have reached out to the following accounts below and talked to them about the issue with my account as reported by the BSI FINANCIAL SERVICES. They have advised me that they will remove the account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report these accounts are still reporting. I am not sure how the BSI FINANCIAL SERVICES came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have my rights to privacy.

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

I recieved an offer ( single sheet with no true proof it came from Citi ) with a number to call to activate. I called and the automated system asked for the last 4 of my card #. The person that answered then asked for full card number and then password. I was concerned about fraud and asked for some type of confirmation that it was actually Citi I was speaking with. They wouldn't give me ANY indication other than say they were Citi. I called thier customer service line and spoke with a manager whose response was simply " that's how Citi does it ''. I think this opens every Citi customer up to MASSIVE potential Identity Theft due to thier policies. Simply offering something simple like my address ( even just city and state or zip ), my last purchase, last 4 digits of my social security number or anything that would not jeopardize my identity but offer confidence that I was actually dealing with the company. I don't think I should have to do this much research to be sure I am dealing with the proper people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea what this hard inquiry was as I started looking at my credit report I saw this and didn't authorize this nor do I know what it is. This inquiry was made on XXXX2017
Product: Prepaid card

I received a bonus from my company in the form of an America Express e gift card on XXXX. I tried using it at most online retailors ( XXXX, XXXX, XXXX, etc. ) and it did not work. I also tried it for instore purchases at other stores and it did not work. I called customer service and asked if there was an issue. They informed me there was none and that these retailors " probably '' did not accept this card. I asked for a list of retailors that did and they informed they did not have one and could not provide me a website or another representative that did,
Product: Credit reporting or other personal consumer reports

Ive continued to raise concern with XXXX reporting of 7yr old derogatory trade on my reports. 

The information is inconsistent across reports and date of delinquency isnt aligned. This account should be removed. 

There also continues to be report of late pay each month though the account has long been charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB Complaint is being submitted to report that I have been a victim of identity theft. Upon researching how to remove the fraudulent accounts on my credit report, I discovered that I need to file a report with the Federal Trade Commission or visit their website at https : //www.ftc.gov. Under FCRA Section 605b, Credit Reporting Agencies are obligated to remove any accounts and information listed on an ID Theft Report. After recently receiving a copy of my credit report, I was surprised to find several accounts that I did not open and have no knowledge of. Attached documents will assist in blocking the erroneous information from being posted on my report. The following items are in question : XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$1000.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. I can confirm that I did not open these accounts or give anyone permission to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report it to the authorities. FCRA Section 605B ( a ) requires Credit Reporting Agencies to block any information in a consumer 's file that the consumer identifies as information resulting from identity theft, no later than 4 business days after receipt.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : US DEPT ED {$1700.00} Opened XX/XX/XXXX US DEPT ED {$2200.00} Opened XX/XX/XXXX US DEPT ED {$4100.00} Opened XX/XX/XXXX US DEPT ED {$740.00} Opened XX/XX/XXXX US DEPT ED {$4100.00} Opened XX/XX/XXXX US DEPT ED {$4200.00} Opened XX/XX/XXXX US DEPT ED {$6200.00} Opened XX/XX/XXXX US DEPT ED {$2500.00} Opened XX/XX/XXXX US DEPT ED {$4800.00} Opened XX/XX/XXXX US DEPT ED {$1900.00} Opened XX/XX/XXXX XXXXXXXX XXXX XXXX {$430.00} Opened XX/XX/XXXX STATE OF MI XXXX XXXX {$0.00} Opened XX/XX/XXXX STATE OF MI XXXX XXXX {$0.00} Opened XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) {$2900.00} Opened XX/XX/XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Debt collection

XXXX XXXX XXXX of XXXX also known as Mobiloans , LLC has reported a closed charge off on my credit report for XXXX. I disputed this account several times and never get any debt validation or response from them about this account they are reporting negligently. I was threatened by a customer service rep and their compliance manager that they didnt care that I was military or a federal employee and that they would keep their illegally high interest rate loan appearing in my credit report in an effort to damage my credit report and that they didnt have to abide by federal or military laws because they are a tribal lender and they only obey their tribal laws. I researched to see how many other people have had this same problem with this tribe and come to find out they are restricted and not even licensed to loan or report in several states. They arent even allowed to do business with government or military personnel because they charge illegally outrageous loan rates. Please see the consumer alert at the link below. 

XXXX XXXX XXXX-not-licensed-XXXX
Product: Mortgage

Dear CFPB Representative, I am writing to file a formal complaint against Shellpoint Mortgage Servicing regarding their fraudulent and deceptive practices in relation to my property at XXXX XXXX XXXX XXXX, XXXX, MI XXXX. 

Key Issues : XXXX. Shellpoint concealed a {$300000.00} insurance payout that fully satisfied my mortgage balance after a fire destroyed the property on XX/XX/year>. 
XXXX. While in possession of the insurance payout, Shellpoint wrongfully initiated foreclosure proceedings, causing significant financial harm. 
XXXX. I was charged for nonexistent lender-placed insurance over multiple years, inflating my account balance with fraudulent charges. 
XXXX. Shellpoint failed to respond adequately to over XXXX Qualified Written Requests ( QWRs ) I submitted under the Real Estate Settlement Procedures Act ( RESPA ), requesting detailed accounting and explanations of their actions. 

Impact : These actions caused severe financial and emotional harm, including the loss of wages, legal fees, and a {$30000.00} redemption payment made under duress to recover my property. 

Requested Action : I request that the CFPB investigate Shellpoint Mortgage Servicings practices and hold them accountable for violating federal laws, including RESPA and XXXX XXXX I am seeking restitution for damages and immediate transparency regarding their actions on
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/XXXX, requesting the removal of unknown accounts and inquiries from my credit file. Today, I learned that these items should have been removed no later than 4 business days after that date, according to FCRA 605B ( 15 U.S.C. 1681c-2 ). These errors are significantly affecting my credit score, and I demand immediate correction in accordance with FCRA. As I previously stated in my Complaints, I am reiterating my request to remove the specific items listed below : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I want to emphasize that I did not open these accounts or authorize anyone to do so on my behalf. I strongly believe that this is a case of identity theft, and I am taking necessary steps to report it to the authorities.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Put what you think would be a fair resolution to the issue
Product: Debt collection

I have recently reviewed a copy of my credit report. I ( Consumer, XXXX XXXX ) notice that there are several inaccuraries on my report that I didn't authorize =. These accounts are violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692d " Any bad debt furnished on your reports is ruining your reputation and its defamation of character. '' I have attached my FTC report, License, and SSC.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your TransUnion. in accordance with the Fair Credit Reporting Act, XXXX XXXX section XXXX. 
Account must be deleted from the report as soon as possible : DSNB/MACYS ACCT # XXXX Bank XXXX XXXX ACCT XXXX XXXX Capital XXXX bank USA NA ACCT # XXXX DEPT OF HEALTH AND HUMAN SVC HRSA ACCT # XXXX DSNB/MACYS ACCT # XXXX ENHANCED RECOVERY COMPANY ACCT # XXXX XXXX ACCT # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act
Product: Money transfer, virtual currency, or money service

initiated a wire transfer to my coinbase account. Triggered chase fraud protection. Chase said they would not approve transfer unless I confirmed which currency I would invest in. I told them it was dependent upon market conditions. They denied my transfer, were rude and unhelpful as a loyal XXXX yr customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : I want to emphasize the importance of accurate credit reporting, not only for my personal financial well-being but also for the integrity of the credit reporting system. It is imperative that credit reporting agencies like yours fulfill their obligations under the FCRA to ensure fair and transparent practices. The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances.

For months, I have attempted to navigate the labyrinth of your dispute resolution process, hoping against hope for a resolution that never seems to materialize. Instead of finding solutions, I've encountered roadblocks, delays, and an overwhelming sense of frustration at every turn. It's disheartening to see how little regard your agency seems to have for the significant impact these errors can have on individuals like myself Pursuant to 15 USC 1681n Civil Liability for non complaint, due to several attempt, I have suffered financial damages and as a result your company owe me {$1000.00} plus my attorny fees which will be associated with me taking legal action. I am hoping you understand that my next option is this. XXXX hoping you understand I have kept a close record of all response from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX I am having problems with Items appearing on my credit report which I have filed a police report indicating this problem. I am also having problems with inconsistency with all three credit bureaus concerning slow credit. I feel myself and my husband have been targeted as minorities and discriminated against. No matter what we do it our credit is slow to move. It took so much for us to buy our house in XXXX, we did what credit experts said to do and still no movement. Actually, it goes back way in XXXX our credit has consistently stayed low. This has had a tremendous negative effect on our ability to obtain credit for our business which we badly needed especially during the pandemic. If not for our XXXX XXXX we would have lost everything. Please look into all three credit bureaus ( XXXX, Transunion and XXXX ) for myself and husband XXXX XXXX. 
XXXX XXXX XXXX ss # XXXX XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX