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

I am writing to dispute the inclusion of an inaccurate account on my credit report. The account in question is as follows : Creditor : XXXX  XXXX XXXX Account Number : XXXX Balance : {$8700.00} The information related to this account is inconsistent across the three major credit bureaus. If this information is accurate and true, and all information is being provided by the same data furnisher, then it should be consistent across all bureaus. These discrepancies are a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Despite several attempts to have you correct the errors on my report, this issue remains unresolved. Consequently, I have escalated this to a factual report based on my own investigation. All my reports have been duly documented and saved, along with your failure to correct and delete the inaccurate accounts. 
The factual report of inaccuracy is as follows : If one credit bureau shows a significant gap with no data ( ND ) while another ( yours ) reports data during the same period, the accounts should be consistent across all bureaus if they are reported by the same data furnisher.
Product: Checking or savings account

Company went into mediation said they contacted me but never received call
Product: Checking or savings account

We had an employee cashing her paycheck, she also banks at FirstBank. While she was cashing her check, she made an address change. The teller changed the address on our business account. I found out via email the next day. I called multiple times to the bank and received the run around. I called the main line, they stated they could not forward my call the the branch. They gave me the number to call the branch, and again I was told a supervisor was not available. Someone had stated a theory that a new employee changed the address while working with another customer the teller must have changed the address. Each call I made to the bank the more uneasy they made me. I ended up walking into a location the next morning to get to the bottom of it. The representative I spoke with also stated that the things that took place were very unusual and she would look into and call me back. 
The bank changed my address without my consent, and could not provide the proper information as to why it happened. I felt extermely uneasy about the incident and this organization laughed it off.
Product: Debt collection

I sent them a letter requesting the following : The only method of communication to me from you is the mail, please no calls or emails. 
On XXXX XX/XX/2022, XXXX they called me at work! 
I just need to be treated fairly! 
I never received anything in writing from them regarding the debt, I check all mail as I get it and nothing.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputing owing any and all debts to them.i revoke all rights of them communicating with me through emails, texts, and calls. 

I request debit validation and purchase agreement between the original creditor and the buyer. I would like proof that the company is licensed and bonded
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a utility account opened at XXXX XXXX opened on XX/XX/XXXX account number XXXX, XXXX and XXXX opened on XX/XX/XXXX account number XXXX. These hard inquiries XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX : # XXXX, XXXX/DEPT OF ED # XXXX, XXXX/DEPT OF ED : # XXXX, XXXX/DEPT OF ED : # XXXX XXXX XXXX/DEPT OF ED : # XXXX, XXXX/DEPT OF ED : # XXXX, XXXX/DEPT OF ED : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 

I looked at my EXPERIAN, XXXX and XXXX credit reports on XX/XX/year> and noticed some things are incomplete and not accurate. 
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.

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, 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. and according to 15 USC 1681s-2 they are suppose to 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: Bank account or service

Bank of America has charged monthly maintenance fee of {$12.00}, consecutively for 2 months on the same daily balance. As per their regulation the minimum daily balance should be XXXX, one day when my balance was low, for the same balance I have charged twice maintenance fee in XX/XX/XXXX and XX/XX/XXXX. When called the customer service agent mentioned that it is 14th business day of each cycle. How can a consumer decide that? Banks sustain because of customer deposit and they are charging service fee to customers left and right. This is not fair to consumers.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENTE ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$86.00} ; XXXXL Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX are reporting on my personal credit file with ( XXXX/XXXX/TransUnion ) credit reporting agency. These inaccurate addresses, accounts and inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.
Product: Debt collection

Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3600.00} XXXX XXXX XXXXXX/XX/XXXX {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit reports 60 days ago. There is a paid charge off account for {$7800.00} from a company called XXXX XXXX XXXX. I do n't remember having an account with a XXXX XXXX XXXX, and have not sent them a dime, let alone {$7800.00}. So I googled XXXX XXXX XXXX address, I sent them a certified letter letter on XX/XX/XXXX it was delivered XX/XX/XXXX. In the letter I requested copies of the original signed dated contract, with my signature, to show proof I have an account with them. I gave them 30 days from receipt of the letter to send the requested documentation. They have not sent me anything. I want this erroneous account removed from my credit report. What I read in the Fair Credit Reporting Act, the alleged creditor had 30 days to send the requested documents, if they ca n't or do n't, then this is considered an unverified account and must be deleted from my credit reports. It has been over 30 days and XXXX XXXX XXXX has not sent me any documents, as proof that they have the right to place this alleged account on my credit reports. Please make XXXX XXXX XXXX removed this erroneous account from my credit report. The account number listed is XXXX ....
Product: Checking or savings account

I attempted to open an account with Citizens Bank, which had a potential bonus offer of up to {$400.00} ( {$300.00} for deposits of {$500.00} or more and {$100.00} for debit card transactions ). Citizens Bank rejected my application, providing an email, claiming that it was based on my credit report. However, no specific explanation was provided. My credit score is one of the highest in the United States at XXXX, according to XXXX. This appears to be some error or discrimination from Citizens Bank. It's a shame, I have a large amount of money that I was considering depositing.
Product: Money transfer, virtual currency, or money service

My wife and I planned, as many do, to downsize our housing as we approach retirement. We moved from our large single-family home to a maintenance free townhouse. Given the hot housing market we decided to buy first and then sell. This process went well. We used our long-standing relationship with Chase bank to secure a temporary mortgage ( {$420000.00} ) to purchase the townhouse while selling our prior home. We were also required to establish an escrow of {$7500.00}, which was understandable. Our plan was to pay this off immediately upon the sale of our prior home. 

We purchased the townhouse on XX/XX/XXXX. No Issues. 

Our house sale took place on XX/XX/2024. The closing was scheduled for XXXXXXXX XXXX and our attorney confirmed its completion at XXXX XXXX. The title company confirmed the wire transfer to our Chase checking account ( {$690000.00} ) and the mortgage on the prior house ( {$150000.00} ) completed by XXXXXXXX XXXX. Neither of these were recorded at Chase until XXXX, XX/XX/XXXX. I initiate wires on behalf of my employer every week. I have never seen this level of delay. It cost us three days of additional interest. 

On XX/XX/2024, I walked into the bank in XXXX XXXX, Illinois to deposit the escrow refund check for {$7500.00}. I was told the check was stopped by the XXXX XXXX XXXX XXXX in place at Chase. No one could explain why. The Branch Manager made some calls and after quite a while I was offered to have the money wired into our account " within seven days ''. How is it even possible that a check written to us, from Chase, and being deposited by us into our Chase account, could not be deposited on that day? Or that the wire to fix the issue could not be immediate? 

I have questioned several of Chases employees, both at the local branch and at the corporate office, seeking an explanation of these events. I have been assured three times, by three separate people, that I would receive an answer to my questions. I have heard nothing. 

The only conclusion I can come to is that Chase is purposefully creating procedures to delay cash payouts to its customers to illegally maximize profits from a structured cash float plan.
Product: Credit reporting or other personal consumer reports

RE : FTC Report # XXXX In accordance with 15 USC 1681c-2 c ( a ), it is imperative that credit reporting agencies take immediate action to block and remove all information associated with alleged identity theft from consumer credit reports. This statute mandates that credit reporting agencies promptly address such requests within four business days of receiving a complaint.

1.Identity Theft. 
XXXX XXXX Account XXXX Statement : not mine ( tracking number of letter sent via usps priority in attachments ) XXXXIdentity Theft. 
XXXX XXXX Account XXXX Statement : not mine ( tracking number of letter sent via usps priority in attachments ) XXXX. Identity Theft, HARD INQUIRIES Statement : i dont recall applying for any credit since 2021 ( ( tracking number of letter sent via usps priority in attachments ) The statute allows me to pursue for damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k.

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and the credit bureau has taken no immediate action to block and remove the fraudulent account from my credit report. I sent multiple certified mail to attempt to resolve this. I have provided all the necessary information to facilitate this process.

Attached : - FTC ID Theft Report - USPS Priority Mail with Tracking Numbers for correspondence sent to bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on inaccurate information on my credit report. Experian has failed to verify two accounts that i never owned. I asked for official contracts and have not been provided anything besides a generic " verified '' letter. Experian is supposed to have consumer contracts on file under FCRA. I have mailed them four letters requesting verification for 4 months in a row and always get the same generic " verified '' letter sent back to me. Experian is not investigating my complaint and have put me in a hardship as these two accounts are effecting my true credit worthiness. I am trying to get my first home for my family and I to make our lives better. 

My First letter was Mailed on XX/XX/2019 asking for verification and received a letter stating the account was verified from Experian on XX/XX/2019. 

My Second letter was mailed on XX/XX/2019 asking for verification and received the same account verified response from Experian on XX/XX/2019. 

My Third letter requesting verification and consumer contracts was mailed on XX/XX/2019 and received the same account verified response from Experian on XX/XX/2019. 

My Fourth and final request asking for consumer contracts and verification was mailed out on XX/XX/2019 and received the same account verified response from Experian on XX/XX/2019. Experian is being negligent and keeps on sending me the same generic response. 

I have tried working this out with the company directly but have not been taken seriously. I would love CFPB to step in and try to resolve this issue.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Equifax for failing to properly investigate and verify disputed accounts on my credit report. Specifically, I have disputed the following accounts with Equifax, which they claim belong to me without providing any legally required proof : Equifax is reporting a closed account every month with a balance that is not my account. 

XXXX XXXX XXXX  Despite my efforts to dispute these accounts under the Fair Credit Reporting Act ( FCRA ), XXXX has come back stating that these accounts are mine but has failed to provide sufficient documentation or evidence to verify the debts. Under FCRA 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation and must delete or correct any unverifiable or inaccurate information. XXXX has not complied with these requirements by failing to produce : 1.Proof of debt ownership, including original contracts or signed agreements confirming my liability.

2.Clear and complete documentation of the verification process, including any communication with the original creditors and the evidence used to substantiate the debt.

Additionally, under 15 U.S.C. 1681s-2, data furnishers are also responsible for providing accurate information to credit reporting agencies. Since neither Equifax nor the original creditors ( XXXX XXXX XXXX ) have provided proof of my liability, these accounts should be removed from my credit report immediately. 

I am requesting that the CFPB investigate this matter thoroughly and ensure that Equifax is held accountable for their failure to follow proper verification procedures as mandated by the FCRA. I also request that the CFPB require Equifax to provide me with full documentation of any verification or, if they are unable to do so, to remove these accounts from my credit report.
Product: Debt collection

So I have received the same collection notice about a {$100.00} XXXX XXXX XXXX XXXX bill from CTech Collections and have confirmed with XXXX  I have a XXXX balance under Acct number XXXX. Despite calls to CTech they continue unabated with harassing phone calls and letters.
Product: Credit card or prepaid card

I applied for a Chase XXXX XXXX XXXX card online around early XX/XX/XXXX this year. The Chase Bank 's screen stated regarding the annual fee {$0.00} intro annual fee the first year, after that {$95.00}. This is universal for all airline credit cards in the U.S. 
I got my card in the mail on XX/XX/XXXX, and I started using it almost immediately. When I checked my credit card account on line on XX/XX/XXXX, I found the bank charged me {$95.00} on XX/XX/XXXX. I called the XXXX number, spoke with the representative, and was informed that I agreed to the charge on my online application. 
I then went to the local branch office the next day, and was informed by the branch manager there that had I applied thru the branch office, I would not have been charged any annual fee, let alone {$95.00}. Since I applied online, the branch could not help me. 
I am completely horrified by the revelation and the deceptive advertisement done by a big national bank, such as Chase. 
I have 2 questions now for any Chase lawyer to answer for me : 1. How could Chase advertise online for a {$0.00} intro annual fee the first year ( see attachment ), and then charge {$95.00}, citing fine print? 
2. Why are application for credit cards thru bank branches and online so different? Shall we not trust Chase online anymore? It feels like a scam. As a concerned citizen, I want an answer. 
I insist that Chase card cancel the first year annual fee immediately. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX TRANSUNION i opened dispute on XX/XX/XXXX. The disputes are as follow as i put them above. The reason for it is because he already open up a dispute prior to the complaint : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX TRANSUNION Today is XX/XX/XXXX and we have proofs that the bureaus have violated the same FCRA rules again. i have included inmage that the creditors involve in the complaint have violated Metro 2 Compliance Violation ( Not updating dispute status ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Not Including Creditor Contact Information ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Incorrect or inconsistent Account Number ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A
Product: Checking or savings account

Had to change my ATM card because someone was using it. My checking account someone was steeling money from my huntington bank
Product: Mortgage

Ocwen Loan Servicing, LLC continues their mortgaging servicing misconduct by sustaining the breaching of the binding modification contract after accepting our successful trial payments.

Ocwen still disingenuously maintains their game plan of deception by continuing to misinform us, our attorney XXXX XXXX and the Florida Office of Financial Regulation as attachments show by stating on their XX/XX/XXXX letter to the Florida Office of Financial Regulation page 3 which I quote : " the account is in foreclosure and on a temporary hold, which may be lifted at any time '' buy yet fail to notify the courts of such posture as their latest motion neglects this info proceeding with the foreclosure.

Ocwen still refuses to honor the modification agreement due their claim of not receiving back the signed agreement copy which was never received and neglects to provide proof that it even exists after multiple requests by us and our attorney.

Ocwen failed to pay our insurance premium that should have been paid from escrow payments made during our successful trial payment period to our established insurance carrier of 38 years causing its cancellation and then without our consent substituted the policy with their insurance choice at doubled the premium with less coverage.

Ocwen as attachments show, deceitfully ignored our appeal unilaterally violating the RESPA ( Real Estate Settlement Procedures Act ) stature.