23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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



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 : # XXXXXXXX XXXX XXXX XXXXXXXX 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 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

Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) 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. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately, please remove this from my credit report immediately
Product: Mortgage

I would like to file a complaint against Franklin American Mortgage Company for the delay in refunding our escrow balance for a loan that was paid in full, under 1024.34 ( b ) ( 1 ) of RESPA. Our loan was paid in full on XX/XX/19 and per the paragraph of RESPA listed prior, the servicer has 20 days to return escrow, excluding public holidays and weekends. The 20 days elapsed yesterday, XX/XX/19, and we have not received our escrow refund.
Product: Debt collection

Discover Card refuses to refund me for fradulent charges from XXXX XXXX. The charges in XXXX estimate to be about {$1000.00} There are other fradulent charges to the account. I also remember several charges in XXXX. The charges total in an amount over {$700.00}. Moroever, they closed my account unlawfully, in XX/XX/XXXX, however, they sent me a regular statement during XX/XX/XXXX. I was also entitled to more unemployment benefits during the month of XXXX XXXX. They charged me {$70.00}, a month, while sick and unemployed. They refused to re- open my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of Inaccurate Reporting Dear Credit Bureaus, I am writing to formally dispute inaccuracies in my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit reports, I identified a charge-off that contains incorrect information. 

The following account requires your immediate attention : XXXXXXXX XXXX XXXX XXXX The information reported regarding this account is inaccurate, including the activities, dates reported, dates opened, account status, and amounts. This information needs to be deleted from my credit reports. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy in reporting. If this information can not be verified, it must be promptly deleted.

Please provide me with all information your bureau used to verify these inaccuracies. Should you fail to comply with my request for deletion and can not produce METRO 2 compliant evidence, I will have no choice but to involve my legal team to file complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Attorney General of North Carolina, along with pursuing any further legal action deemed necessary, including civil punitive damages. 

Upon completion of your investigation, please send me an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. 

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

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX  The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have called and spoken with several live agents about the excessive amounts of reporting on my credit report. I have filed complaints with the CFPB, and XXXX  and letters to my Attorney General. According to Law 15 USC 1681 XXXX  would need permissible purpose from me and they DO NOT. I never even heard of this company until I saw my report. There are over XXXX reports, which harm my way of living as a human being. By Law that is {$XXXX} worth of damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I have noticed something is wrong with my credit file XXXXXXXX XXXX XXXX with account XXXX XXXXXXXX it has several innacuracies which I have tried getting them to remove the account but I havent had any luck.the items that are wrong is listed below : Account type Date opened Date last reported Date last active I want this account removed immediately
Product: Credit card or prepaid card

I called and spoke to XXXX from Capital One ( Rep # XXXX ) and she refused to get a supervisor on the phone in order to give interest adjustments on my card due to COVID-19 in New York. New York has declared a state of emergency. The associate was condescending and advised to write a letter. This is a customer mistreat and I will not tolerate this. She refused to credit my interest for XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter to TransUnion for them to delete a Bankruptcy XXXX. On XX/XX/XXXX I received a response from TransUnion stating that the item was VERIFIED. I then sent a letter of validation on XX/XX/XXXX for which TransUnion provided a response of VERIFIED by XX/XX/XXXX. Because I did not receive any documentation about how they validated this record, I sent a request for the investigative material on XX/XX/XXXX, and once again I received a response by XX/XX/XXXX with just a piece of document that said VERIFIED without any of the requested investigative material. Thinking that there was a confusion I sent one letter on XX/XX/XXXX requesting, once again a description of the procedure used to determine the accuracy and completeness of the information, for which they replied on XX/XX/XXXX stating that they recently completed an investigation and that the data furnisher verified the information on my credit file. I still have not received the investigative material, and clarification of who is this data furnisher. 
I now would like to ask for the 4th time all investigative material concerning this bankruptcy. I would like to have copies of those documents instead of having TransUnion initiate another dispute and getting a repetitive VERIFIED answer. 
Attached are all the letters I sent and their responses by date as well as a letter from the Bankruptcy court stating that they do not verify any information with the credit bureaus. Also a picture of my report which shows that the only credit bureau that has this unverified bankruptcy is TransUnion. 
Looking forward to receiving the investigative material at your earliest convenience. 
Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow up request to Experian that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following:XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$820.00}, XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX {$3200.00}
Product: Checking or savings account

An account was opened on XX/XX/year> and all the requirements of PNC bank was completed and still haven't received the {$400.00} promotion from the Bank.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX the XXXX XXXX XXXX sent a wire transfer from XXXX XXXX {$5000.00} to Chase bank in NY. Because it's a transit bank XXXX XXXX Bank in XXXX. Chase bank didn't transfer the XXXX Bank, and they didn't refund the money to XXXX Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. This was CFPB Complaint XXXX for TransUnion and now it is this CFPB Complaint ... Just so you know, that is. With that said, upon trying to mail TransUnion at XXXX today, XXXX, I found out that I can NOT mail ANY information to TransUnion because they have provided me with NOT a thing other than a P. O. Box which is 100 % UNacceptable. In other words, know I require a Mailing Address for TransUnion and have yet to be given one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed, faxed, uploaded, and called all three Bureaus. XXXX said I wasnt me and they refused to investigate! 

This letter shall serve as formal notice of my intent to file a complaint with the CFPB, due to your blatant and objectionable disregard of the law.As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute as well as my follow-up letter. To date you have not done your duty as mandated by law. Your Non-Compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful noncompliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Checking or savings account

I was charged overdraft fee twice for {$36.00} each on XX/XX/XXXX and XX/XX/XXXX for insufficent fund. I was never opted in overdraft when I signed up for the checking account. Once I found out that I had a negative balance on XX/XX/XXXX and I immediately pushed money into my U.S. bank checking account and the balance became positive on XX/XX/XXXX pending final clearance on XXXX. Then I called and spoke with the U.S. Bank representatives for requesting to waive the fees because not only I did not opt in overdraft but also it was my first time for being charge overdraft fee. Both representatives said they cant refund the fees because my refund limit is {$6.00}?! I questioned why there was a refund limit in my account and they said it was based on my activities which dont make any sense to me. I had a recent direct deposit of {$3000.00} from my work. Also, for example, if I used my debit card to buy something over {$6.00} and decided to return it, I would have only got a maximum of {$6.00} back?! Both representatives refused to increase the limit and said the fees can not be refunded. That is very disappointing. I would like U.S. to refund the fee to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off 5 accounts on this year to settle my debts but instead of all of the credit reporting agencies reporting that I settle all debt on my credit report they deleted all accounts so that it would look like to lenders that I had no credit at all also I didn't receive any points on my credit score for paying off my debts but when the accounts was being owed all the credit reporting agencies would report derogatory info on my credit causing my credit to drop all the way to XXXX credit score. after I disputed to the credit reporting agencies that rent recovery had reported false information on my credit and padded me and my wife credit report with XXXX worth of charges when it should have only been XXXX worth of charges and all they said is to me that XXXX XXXX  info was correct with no other explanation couldnt show me where they got that XXXX figure from all of the information of credit reporting agencies is inaccurate I even reached out to rent recovery and tried to offer them XXXX dollars to settle the account which was more than we owed but they still rejected my offer also the credit reporting agencies are allowing them to update their reporting each month just as the incident just happen all of this been going on since XX/XX/2019 credit reporting agencies are ruining people 's lives including me and my family causing me my wife and XXXX old daughter to be XXXX because they won't report my credit correctly they won't give me credit for paying off all those accounts and they continue to say I own XXXX to a debt collector that is only owed XXXX dollars that could have been paid off by now but they continue to are me and my family suffer I hope by me telling my story alot more people who have experience the same heartache, stress and the XXXX XXXX that I have experienced through these companies and they will find the courage to come forth as well Here is receipts to all of the creditors I settle with this year.
Product: Checking or savings account

In XX/XX/2023 Bank of America closed my four year old account and did not pay my balance of {$30000.00} you sent them letter they said would answer in 60 days but no reply so for
Product: Credit card or prepaid card

Back in XXXX before XXXX was in everyones head I got sick didnt know what it was until the symptoms of XXXX came out months latter I lost my job because I didnt go due to the XXXX I explain to them that I couldnt make a payment they close my account
Product: Mortgage

We had a mortgage ( XXXX # : XXXX ) from XXXX on our house at XXXXXXXX XXXX XXXX XXXXXXXX CO, XXXX. Our house was burned down in the XXXX XXXX  ( XX/XX/XXXX ). We got funds from our insurance company in several checks that had to be sent to XXXX. XXXX kept in a secure escort money that was up to the principle of our mortgage, and released to us funds that were above the principle. 
XXXX  representative told us we can do an inspection of the rebuilding of our lost home, and the money saved in escort covering our principle will be released to us with the progress of the rebuilding, When the inspection will be at 50 % of the rebuild all the money from our secure escort will be release to us. 
Our mortgage was sold from XXXX to Newrez on XX/XX/XXXX ( Loan number stayed the same XXXX ). We were not part of this sale and never been asked if we agree to that. All the mortgage details were transferred with no change ( The principal, the interest, etc. ) But one important issue got worst for us. The Newrez representative told us they are releasing the money in the secure escort according to the progress of the rebuild and will release all the money at 95 % of the rebuild. This is worsening our terms with XXXX, and I dont think this is allowed. We have committed payouts to our constructor that we took on ourselves when we were under XXXX by knowing all the money will be released to us when will be 50 % done on the rebuild and not 95 % and now, we dont have the funds to pay our contractor. 
As you can see in the attached document ( Checks received ) on XX/XX/XXXX we got a check from XXXX ( Our insurance company ) for {$200000.00}. The check was sent to XXXX and deposited by XXXX in our secure escort. At that time our principle was about {$280000.00}. 
On XX/XX/XXXX an inspection was done by a XXXX  representative ( See attached ) that showed 25 % of the house was rebuild. As you can see in the attached document ( Checks received ) on XX/XX/XXXX XXXX sent a check to us for the sum of {$290000.00} releasing the money we got from the insurance plus some of the money held for the principal, because of the progresses in the rebuild. 
On the XX/XX/XXXX we got another check from the insurance ( see attached Checks received ) for XXXX. At this time our mortgage was under Newrez and we sent the check to them to put in our secure escort. 
On XX/XX/XXXX Newrez representative did an inspection that determine 51 % precent of the rebuild was done ( See attached ). 
On XX/XX/XXXX XXXX sent us a check ( see attached Checks received ) for {$160000.00}. A XXXX representative told me this amount was taking in to account the latest check received from the insurance and the latest inspection report ( That showed % XXXX of the rebuild was done ). 
I have no idea how XXXX came to this amount. It will be nice if they send us a report of the calculations they made. 
If we were under XXXX all the money in the secure escrow have been released to us, and if my calculations are correct that should be around {$410000.00}. XXXX can not worsen our terms we had with XXXX and should release now all the money kept in our private escrow.
Product: Checking or savings account

3 Treasury Checks were deposited on XX/XX/23, totaling just over XXXX. The bank placed a hold on the check until XX/XX/23. The treasury checks were verified through the treasury department as being valid, and on XX/XX/23 were also verified as paid by the treasury department. Chase Bank refused to release the funds, and have cause me material hardship with the inability to pay vendors and employees. There is no valid reason for them to hold funds since they have already cleared and I have all supporting documentation and proof required. I have banked with Chase for over 16 years.