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

Transunion whats good. I pulled up my credit report and noticed some alarming details. Under the regulations set forth in 15 USC 1666b, late payments linked to accounts identified as XXXX XXXXXXXX XXXX XXXX XXXX the late payments must be removed from my credit report. Furthermore, pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as XXXX XXXX XXXX XXXX XXXX and is to be expunged from the report. Moreover, as per 15 USC 1681B and in adherence to section 604, all charge-offs must also be expunged from the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to notify the credit bureau AGAIN that I was an identity theft victim, I'm sending this complaint. The fact that I want to dispute unlawful items that are appearing on my credit report seems to be of little concern to the credit bureau. Since this is a clear violation of FCRA laws, I need the items deleted from my file as soon as possible. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXXXXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2015 ( CREDIT LIMIT {$3000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXXAccount no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2015 ( CREDIT LIMIT {$3000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXXAccount no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2015 ( CREDIT LIMIT {$3000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Product: Checking or savings account

Hello, I am asking for help about unauthorized charges in my bank account, my account was frozen around the month reported in the process that I received multiple fraudulent charges, when my account was updated I reviewed all my accounts and saw multiple charges then I proceeded go to a XXXX XXXX   branch to make a claim about all the fraudulent TRANSACTIONS in my accounts told me to wait 30 days maximum, wait time and call to know about the process they told me they canceled it they did not give me a correct reason so I decided appeal the case and now it is again in investigation please I need you to thoroughly review each fraudulent charges and return the funds to my bank account and I demanded information about the people who could have used my information in every charge I had in my account please demand that come back my money is the second time I am sending this complaint if you need more information do not hesitate to tactarme .. please respect the case of these charges I already said everything with respect to what I knew about these unauthorized charges apparently do not value my rights as a consumer are based on what they think not on what they should do review each charge and see what information was used to perform each fraudulent charge not on what you think because you are always making the decisions that you want I demand my consumer rights and return all funds from all fraudulent charges ... it's too much what I have waiting for XXXX and they never help me ..To contact me I receive calls only in Spanish XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent police report to XXXX XXXX credit card and informed them that the credit issued under my name and soocial name XXXX XXXX is fraud. This happened after identity social security theft and i filed fca report. They deleted from XXXX credit burue. 
But they keep sendining information to XXXX  to label it as charged off account. I have evidence letter that this was resoved as frayd see attachment so I would like transunion to delete it I am totaly XXXX   person and they ruined my credit, I made more than 5 attempts they delete and bring it back Please I want permenant delete My last social XXXX name XXXX XXXX XXXX Dob XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account number XXXX XXXX XXXXXXXX XXXX Account number XXXX have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

We opened an account at BMO Alto in XX/XX/XXXX containing just over {$210000.00}. Despite multiple attempts to add my wife as a joint owner, we were unable to do so due to issues on BMO Alto end. Consequently, we decided to open a CD at another bank and requested a transfer of funds from o

ur BMO savings account. Several days after initiating the transfer, our account was frozen, and we received the following communication : BMO communication : To assist with our fraud investigation, please provide the following : 1. A recent, unredacted statement from [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], [ XXXX ], and [ XXXXXXXX XXXX ] showing the last four digits of your accounts ( XXXX, XXXX, and XXXX respectively ) and the BMO Alto transactions.


2. A valid copy of your government ID. During our repeated interactions with BMO Alto, we encountered these issues : 1. BMO provided incorrect last digits for the XXXX XXXX account. 
2. BMO Alto demanded an account statement from XXXX, which was still in the process of being opened, making it impossible to provide statements. 
3. A representative requested front and back copies of the government ID, despite the original email not specifying this requirement.

4. Another representative stated that two months of account statements were required, although the email did not mention this.

5. After submitting all requested documents, we were informed that it might take up to 30 days to release our funds.

6. Agents were unable to confirm the location of our funds or whether we were accruing interest during the freeze. 
7. We experienced misleading, incorrect, and sometimes rude responses during our inquiries.

8. Over a week has passed since submitting the requested information, yet the account remains frozen.

9. There has been no communication from the bank during this period.

10. My email to BMO Alto requesting resolution has gone unanswered.

11. Representatives refused to allow me to speak with a manager.

12. Some representatives became hostile when I expressed frustration with their handling of the case. 
13. The funds transfer to the CD at the other bank was denied, even though all information was provided and I talked to the representative who verified my identity was verified and acknowledged they received the required information 14. The CD rate we had ( 4.8 % for a 2-year CD ) is no longer available and has since dropped significantly. 
15. This resulted in direct and significant financial harm since the funds BMO Alto is withholding will earn a much lower rate
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 Account XXXX has violated my rights. 
XXXX Account XXXX has violated my rights. 
XXXX XXXX XXXX Account XXXX has violated my rights. 
XXXX XXXX XXXX Account 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: Mortgage

I am a total, permanently XXXX veteran with a VA mortgage with Freedom Mortgage. 
I am exempt from paying property tax in WI. 

Over the course of this past year Freedom Mortgage has acknowledged my property tax exemption status, not charging/billing me for any escrow amounts for property tax in my monthly bill. My monthly mortgage payment had been : XXXX of {$310.00}, XXXX of {$280.00} and XXXX of {$100.00} for Home Insurance, for a total monthly bill of {$700.00}. 

However, just last week Freedom Mortgage sent me letters demanding that I pay them {$1200.00} every month beginning in XXXX of 2024. That amounts to over {$6000.00} over the course of the upcoming year which Freedom Mortgage wants to keep in escrow to pay property taxes. BUT I AM EXEMPT FROM HAVING TO PAY PROPERTY TAX. 

Freedom Mortgage has in their records the official letter / certification from the Wisconsin Department of Veterans Affairs confirming my tax exempt status. But for some reason they are no longer taking this seriously. This exemption that I have never expires. It says so on the certification letter. 

Freedom Mortgage seems corrupt to the core, trying to extort monies or advantages any way they can. Your agency recently fined Freedom Mortgage {$1.00} XXXX dollars for giving illegal kickbacks to realtors/real estate brokerages. 

Freedom Mortgage needs to be taken to task again.
Product: Mortgage

Wells Fargo failed to address issues and questions presented in a previous CFPB complaint. Generally, it concerns a failure of Wells Fargo to communicate information related to mortgage modification options and past principal/interest calculations. Please see attached letter for more details.
Product: Credit card

I applied for the XXXX visa credit card and got declinedfor a collection that is supposed to be removed and that 's not fair
Product: Credit reporting or other personal consumer reports

Dear Experian It has come to our attention that you have been using our copyrighted material without authorization. As the owner of the copyright, we take this matter very seriously and demand that you cease and desist all unauthorized use of our copyrighted material immediately. 

We understand that errors or misunderstandings can occur, but we must insist that you rectify this situation promptly. Failure to do so may result in further legal action being taken against you. 

We are willing to discuss a resolution to this matter, but it is imperative that you contact us as soon as possible to address this issue. We value our intellectual property rights and will take all necessary steps to protect them. 

Please respond to this letter in writing within 30 days to confirm that you have ceased using our copyrighted material and to discuss a potential resolution. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX All rights reserved XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple complaints against XXXX, Equifax, XXXX it's like I am being ignored I made a demand for those credit reporting agencies to remove those improper inquiry and to stop messing around with my score improperly they seem to not care about my financial situation at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan listed here is not accurate - account number, company name, payment history, everything is incorrect..Remove the student loans asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX   XXXX, DEPTEDXXXX XXXX, XXXX/DEPTOFED XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that Credit Bureaus will investigate these items for me to ensure accuracy. here is the account I am asking you to verify as accurate. account name : XXXX XXXX account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

WFDS XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2. Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3. Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 
Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus XXXX not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages.

Demand for Immediate Action I demand the following actions, without delay : 1. Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2. Provide a comprehensive written explanation detailing your investigation process and results.

3. Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 
This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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

JEFFERSON CAPITAL LLC XXXX XXXX XXXX. 
XXXX XXXX. MN XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX CA XXXX Dear Jefferson Capital, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 



Best, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I spoke with a member of Mr. Cooper regarding some inconsistencies in mortgage payment information being reported to the consumer credit unions. I was told not to worry, that the mortgage was current, and that they would look into what the cause of the mis-reporting to XXXX & XXXX XXXX Less than 2 week later, news of a massive cyber attack and customer information breach was released by Mr. Cooper. I called back on XX/XX/XXXX ( today ), to get more information and was told multiple inconsistent facts ( the phone call is recorded - both by me- and I informed the customer service rep that I would be recording- and by Mr. Cooper ). The agent told me no banking information was stolen & then backtracked when I read her the article saying the exact opposite - that Mr. Cooper had a data breach and the personal information, SSN, and banking information was stolen for almost XXXX XXXX customers. The Mr. Cooper representative then said that she really didn't know anything & had no way of knowing if my account & information were amongst those exposed.

I am tired of the banking & financial institution industries being allowed to sell mortgages anytime they want to other banks & financial institutions which DO NOT meet the security and diligence requirements that customers should be allowed to demand as those are researched and compared when I initially applied for and signed for my mortgage with a different bank. The customer has zero control what happens to their personal information after the banks start trading mortgages to make their books look temporarily better in time for paying out bonuses, etc. 

I'd like to file a complaint against Mr. Cooper for buying my information without my consent & then losing that information through faulty cyber & physical security measures, which all customers should be allowed to vet prior to their mortgage being sold. I plan to file a lawsuit against Mr. Cooper in civil court as well with the hope of pursuing class action status. 

If my personal information was compromised, 2 years of credit monitoring does not do anything to help with the hours of clean-up and remediation required to fix what Mr. Cooper failed to protect. I will continue to pursue this until the matter is closed to my satisfaction. 

I did previously file a complaint against XXXX XXXX for failing to provide the XXXX notice required when selling mortgages in XXXX- mostly on account of the poor reputation of Mr. Cooper- which of course, I had no choice over. Customers personal information can be moved from bank to bank to bank without the customer having any voice. My only option is to refinance with a different financial institution at my own expense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Transunion sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please update and correct my account right away. 

XXXX XXXX XXXX XXXX
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX XXXX 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.