23daVinci/CFPB_Complaints huggingface dataset:
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. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On these XXXX accounts, XXXX reversed the late payments on both of these accounts which is an accurate action on their part. If your agency does not take action and reverse the late payments as XXXX accurately did, I will have no choice but to seek legal action against your agency and exercise my rights outlined within the FCRA, pursuant to 15 USC 1681n and 15 USC 1681o, seeking full damages. 

Check the screenshots of the inaccurate erroneous accounts which where reversed by XXXX. 

I looked at my credit report and noticed some things are incomplete and not accurate. 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 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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: Mortgage

I faxed over 22 pages of a loan modification to PHH mortgage on XX/XX/XXXX. Spoke to a relationship manager on XX/XX/XXXX went over what was missing faxed over the missing documents ( signed tax forms ) went over pay stubs with relationship manager while on the phone, they also stated my name was not correct on paper work. Im XXXX XXXX XXXX I know my name. XX/XX/XXXX I had an appointment with the relationship manager my phone rang once and they hung up I called the company ( phh ) and they called again rang once hung up again. Every time I speak to them something is missing Im now in XXXX and nothing is done, today the relationship manager called and told me I have to start all over again. This has been 3 months now. My ex wife filed bankruptcy and has been discharged and they still refuse to remove her. I cant get anywhere with this company
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Product: Debt collection

On XX/XX/2018, XXXX XXXX XXXX XXXXXXXX XXXX placed a collection on my account for {$9700.00} - I have never done business with the original creditor : XXXX XXXX XXXX XXXXXXXX XXXX and they have linked this debt to my name that does not belong to me, this is not my debt. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle was a total loss on XX/XX/2023 and was reported. The insurance company of the vehicle paid {$12000.00} and now I have been waiting for the gap insurance from us auto to pay the remaining. The problem is us auto went out of business and its reporting that I missed a car payment on XXXX, XXXX Since XX/XX/XXXX, when my car was totaled I am not required to make any more payments. Can you please help me get this resolved on my credit report. Thank you kindly
Product: Credit card or prepaid card

My Capital One QuickSilver credit card was charged a fraudulent charge on XX/XX/2018 in the amount of {$40.00} from XXXX XXXX. The account was credited {$40.00} ( in green on my transaction history ) on XX/XX/2018 but, the credit hasn't been applied back to my available credit. I contacted Capital One customer service today ( XX/XX/2018 ) and spoke with a representative in CS that stated the credit wasn't applied to my account balance that then transferred me to a another representative in the Fraud Department that spoke 100 mph. I could barely get a word in and I found myself interrupting the representative to get my questions answered but, nothing was resolved. Again, no clear expectations or timeframes. I think the answers to my questions weren't clear. Then the representatives phone HUNG UP abruptly. I need a clear deadline on when the credit will be applied back to my account. Its been almost 7 days. If Capital One has a 0 liability policy to customers on fraudulent transactions why is it taking 7 days to apply a temporary credit to my account. This experience puts a bad test in my mouth. Capital One is a large company and should implement better measures to assist customers in this situation.
Product: Money transfer, virtual currency, or money service

I'm trying to find out what was said by BOA unable to place use new password for info It is obvious that BOA has been using " Man In The Middle '' tactics and again unable to read response from BOA they need to send me there response by mail please I'm going to FDIC.Gov and again " Man In The Middle tactics are being used '' .I 'm trying to file with FDIC.gov but XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX intercepting by using a MISI fake tower XXXX XXXX XXXX XXXX  XXXX Ca XXXX : please I need your help unable to place token keeps popping up three new tokens when I only pressed once.
Product: Credit reporting or other personal consumer reports

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant 15 U.S.C Sec 1681a ( 3 ) Identity Theft and ( 4 ) Identity Theft Report. 
Having inaccurate addresses and with the amount of identity theft going on, I'm very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S postal office, and they are not reportable as per the FCRA since they are inaccurate. 
Pursuant 15 U.S. Code 1681b - Permissible purpose of consumer reports. 
( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX XXXX never gave XXXX, or Transunion any written consent to report these inaccurate old addresses on my consumer report, No consent is Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS THAT DO NOT BELONG TO ME. THEY ARE LISTED ON THE PDF DOCUMENT ALONG THAT IS ATTACHED THE PERSONAL INFORMATION. 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX  the accounts listed on my attachments has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Bank account or service

Dear Sir/Madam, I am writing in hopes to resolve a particular dispute with Scottrade Bank and their affiliates collectively referred to as Scottrade. 

Scottrade maintains that I should file arbitration against them for the purposes of resolving a customer dispute, however, neither Scottrade Bank nor Scottrade Brokerage have confirmed the existence of a valid arbitration agreement and has refused to answer any of my inquiries for details. 

I am writing this letter to address a very specific issue. Specifically, I would like a copy of the full " consumer contracts '' that were formerly signed in order to open a Scottrade Bank and Scottrade Brokerage account. 

Please be advised that I previously requested this information from Scottrade Bank and Scottrade Brokerage but was not supplied with an original account agreement. I signed up for the accounts in XX/XX/XXXX, however, Scottrade Bank and Scottrade Brokerage provided me with an unsigned copy of a " consumer contract '' that had numerous revisions from the XX/XX/XXXX version of the contract. 

The contracts Scottrade Bank and Scottrade Brokerage use have " tracking numbers '' in the bottom left margin of the page that indicate the year and date. Therefore, I am kindly requesting Scottrade Bank and Scottrade Brokerage provide me with the corresponding and original XX/XX/XXXX version of the sign contract and not a XX/XX/XXXX version that is materially different.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thereugh investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
these are the accounts that are affecting me due the Equifax DATA breach 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: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to have Santander remove this from my credit report because it's stopping me from purchasing a home. first it is not my account it belong to XXXX XXXX I was removed from this account 3 months after car was purchased. 2nd the car was totaled and the balance after insurance and Gap insurance paid is incorrect and the dates are incorrect. I have several time attempted to have this removed from all three bureaus and I feel like it's violating my credit reporting rights. Santander do have knowledge of this issue and fail to resolve it. Santander have an internally inconsistant error issue and is doing nothing about it, Santander has had this issue for years and fail to resolve it. I would like this account removed from XXXX, XXXX, and XXXX  because even the amounts and dates are incorrect and it needs to be resole or my next step is an attorney.
Product: Mortgage

Me and my wife worked to pay down our conventional 30 mortgage with Bank of America to get below an 80 % LTV so that we could cancel PMI. Once we reached below 80 %, I contacted Bank of America to inquire about PMI cancellation. The representative informed me that our loan to value ratio did indeed qualify for cancellation of PMI. He told me that he submitted the request and to allow up to 4 weeks to get a letter indicating approval and conformation of cancellation of PMI. I asked if there was any reason that the request would not get approved. He said it will get approved as long as long as there where no late payments in the last 24 months ( there where no late payments for the entire loan period ). A couple weeks later, I get a letter from Bank of America stating that my request for cancellation of PMI was denied because the current LTV ratio of my loan has not met the established requirements to summit a request to cancel PMI. They also attached a form with with instructions to use there appraiser to pay for a new appraisal if the current value came back at less than 75 % LTV. Looking around at other complaints on Bank of America, It appears to me that this is standard practice for them when it comes to people canceling PMI.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies, I have not received any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

For the past two years I have disputed my personal name, address and accounts that were in clear violation with reason and code to XXXX and Experian to which they updated with no change or verified without providing any information on how they verified the information. These two companies are not doing any investigation and when I called Experian XX/XX/XXXX  I was actually told by a customer service representative that one of my accounts was verified by the actual Account that was in dispute. I asked them how can an account in dispute investigate their self? She said that that was their process.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, 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 XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a Credit Card account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXXXXXX XXXX XXXX  XXXX on XX/XX/XXXX with a balance of {$2200.00} under the account number XXXX that appears related to the aforementioned Credit Card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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: Checking or savings account

Re : Re : Wells Fargo case number XXXX and XXXX ( old case XXXX dated XXXX ) -Here is evidence that I did not initiate 2 bill pays ( XX/XX/XXXX : $ XXXX and XX/XX/XXXX : $ XXXX ) Enclosed please find XXXX file for XXXX- my activity history ( XXXX ) XXXX In other words, I had not accessed my online account between XX/XX/XXXX and XX/XX/XXXX. 

-If you do not agree, please advise IP addresses, Device names, locations and date of time of those 2 transactions. I asked you before but until now, I hav n't got these infomation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, and again now in XX/XX/2021, there have been a total of three fraudulent inquires on my XXXX  credit report. The inquires were made with Regions Bank, which I have never even heard of until the fraud. There were also two added workplace updates that were false, which I also did not make. Neither Regions Bank, nor XXXX  seems to be able to do anything to help stop this. There should be an alert they can create so they can stop the person who keeps trying to steal my identity.
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  Account US SM BUS ADMIN ODA, has violated my rights. 
XXXX  Account XXXX  XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX  Account XXXX  XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX has violated my rights. 
XXXX Account 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

I am writing to express my deep concern regarding the late opening of account with your company. As a valued customer, I have always appreciated the quality of service and products provided by Credit Bureaus, but recent delays in account processing have been significantly inconvenient and frustrating. I submitted applications to open account with your company, providing all required documentation and fulfilling necessary formalities promptly. However, to my dismay, I have yet to receive confirmation of the account openings, despite the considerable time that has passed since my initial submission. These delays have not only disrupted my operations but have also caused financial implications for my business. I rely on timely access to account with your company to facilitate smooth transactions and maintain a healthy business relationship. The prolonged processing time is unacceptable and has tarnished my perception of your company 's reliability and efficiency. I urge you to address this matter with the utmost urgency and expedite the processing of my account openings. Prompt action to rectify this situation will demonstrate your commitment to customer satisfaction and help restore my confidence in your services. Please provide me with a concrete timeline for the completion of this process and any necessary steps I can take to expedite the resolution. Additionally, I would appreciate regular updates on the status of my account openings until they are finalized. Thank you for your attention to this matter. I trust that you will take the necessary steps to resolve this issue promptly and prevent similar occurrences in the future. I am asking for your assisstance to correct these XXXX items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX