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

Dear Credit Bureau : I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

List : XXXX, XXXX, XX/XX/2021 and XX/XX/2021 I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps on reporting my scores wrong my score spouse to be at XXXX XXXX and Equifax I have no collections on my account what so ever
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XX/XX/2020, I started shopping for XXXX XXXX XXXX with no credit needed as long as I had a free and clear Title to my car that would be good enough with a few more details needed but no Credit under several names but still being 1 of same company ran my report threw experian 4 times one being the last XX/XX/2020 that bringing my score down i ask before in the beginning no report ran unless its for ID purposes only!! And the loan wasn't declined for credit reasons ... .Well it was and for that reason makes it difficult to apply anywhere else.. The company doing so goes under names that are still 1 company knowledge of this would have helped in how many times I applied to company if the same results were given at the first XXXX XXXX loan company or XXXX or XXXX XXXX  approved no credit bad credit approved
Product: Debt collection

This is the XXXX time I have received a statement from EOS CCA/XXXX XXXX saying that I owe a debt to XXXX XXXX XXXX XXXX. I have contacted XXXX and they have no idea what this could be and said that I do not owe anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to report the inquiries on several occasions. I am unaware of the inquiries that are reported on my credit report. At the time these inquiries were reported I was XXXX. Its no way I authorize the inquiries on my credit profile. Its fraudulent XXXX reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XX/XX/XXXX XXXX XXXX  reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX reported XXXX XXXX I would like for the inquiries to be removed immediately off my credit profile I was XXXX  from XX/XX/XXXX until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

WAS CAR SHOPPING AND THE DEALERSHIP SUBMITTED MY CREDIT FILE TO MULTIPLE BANKS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTING
Product: Credit reporting, credit repair services, or other personal consumer reports

As TransUnion is aware, Bankruptcy courts do not report to credit reporting agencies and have fraudulently obtained, and subsequently furnished, this information from a third-party source using my private personal information. With that said, they have violated various Code of Federal Regulations along with my consumer rights as follows : -5 USC 552a ( b ) - no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent, of the individual to whom the record pertains ... TransUnion has done the contrary. 
- 12 CFR 1016.3 & 4- TransUnion has utilized my nonpublic personal information without reasonable basis and without notice. 
-15 USC 1681 ( b ) - TransUnion has furnished the referenced bankruptcy without permissible purpose. 

A letter regarding this matter has been sent via certified mail to TransUnion 's privacy and compliance officer.
Product: Money transfer, virtual currency, or money service

Dear CFPB Officer, My name is XXXX XXXX. About three months ago, I started investing my money on stocks through Robinhood XXXX. When I decided to transfer my money out of Robinhood, it restricted my action because the initial bank account that registered with my Robinhood account was not the same as the one I would like to have my money transferred to. Thus, my request can not be fulfilled and they closed my account eventually without notifying me. Later, I got a call from their representative, he told me that my action requires their specialist to call me to assign a money order then I can withdraw my money from my local bank. However, during the past three months, I tried to reach them out and kept sending emails to their customer service email address regarding the same issue. None of my emails got a legitimate response from their side except those automatic replies. I deeply doubt that I got scanned by their company. Especially, considering the raging and increasing accuses and complaints pointed to their company since the 'XXXX buying scandal '' I really don't know what to do and where to ask for help now. My family and I need this money to survive. Please help us find a way to get my money back. For your reference, I have attached some evidence below. Please don't hesitate to contact me if you need my further corporation. Your help is highly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect items reporting on my transunion credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

As filed with the FTC - Identity Theft - Ref # XXXX, the following accounts are not by my knowledge my accounts. I have asked for copies of documentation proving it was mine from the creditors and credit bureaus and have received nothing. Therefore, I conclude these are inaccurate : XX/XX/2021 - XXXX XXXX XXXX XXXX XX/XX/2021 - XXXX - XXXX XXXX XX/XX/2021- Equifax - XXXX XX/XX/2021- Equifax - XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 - XXXX, Equifax, XXXX - XXXXXXXX XXXX XX/XX/2021 - XXXX and XXXX - XXXX XX/XX/2021- Equifax - XXXX XXXX on report twice )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Possible Account # XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THATINQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSEDI RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIREFROM XXXX  XXXX XXXX  XXXX ON XXXX. PLEASE DELETE THISINQUIRES. I HAVE NEVER HAD A XXXX  XXXX ACCOUNT
Product: Money transfer, virtual currency, or money service

I deposited via debit card on Robinhood about {$1000.00} on 4 different occasions around a week ago, for the first 3 deposits of {$1000.00} everything was fine and no problems. On the 4th deposit even though I was charged they decided to restrict my account with no explanation while I have sent multiple emails and multiple bank statements/ documents verifying my identity. I have sent them my government ID and even to pictures that would verify my identity. After doing so, they still have my account restricted and will not contact me via phone or email to explain why my funds are restricted and will not allow me to withdraw my funds. It has been over a week with no help and this is complete negligence and fraud on their end. At this point they have pretty much stolen my money and are not allowing me to send it back to my debit card. Please contact them and let them know that they can be sued for this. It keeps saying you have sent your documents and we will review them the next day but its been saying that for a week now
Product: Credit reporting or other personal consumer reports

Unwarranted inquiries on my transunion report. Transunion unresponsive to me when approached about situation. XXXX representative told me I will get a call from supervisor in XXXX business days. XXXX was never received. Called again and another representative claimed there is nothing on file in regards to complaint of unwarranted inquiries.
Product: Checking or savings account

I was sent a mailing that promised me {$1000.00} for opening a hacking account and depositing {$10000.00}. 

I went to the branch with the flyer and asked the banker to please open me this account so that I would get the {$1000.00} bonus. 

The banker opened an account, and I completed the {$10000.00} direct deposit requirement. 

In the end, I only received {$300.00}. 

When I contacted Citizins I was told that I only got the {$350.00} as the wrong account type was opened. 

The {$1000.00} was only on the XXXX XXXX  and the banker opened the regular checking. I believe this mistake is something Citizens should take responsibility for as its is their banker who made the mistake. When I was in the back with the flyer I clearly asked the banker to open me this account on the flyer ( that had a {$1000.00} bonus ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report :
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple inaccuracies and fraudulent accounts on my consumer credit reports that have significantly impacted my financial standing and creditworthiness. The following accounts are either fraudulent, improperly reported, or violate my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable federal consumer protection laws. 

The Inaccurate or Fraudulent Accounts : XXXX XXXXXXXX # XXXX Charge Off XXXX XXXX # XXXX Late Payment XXXX XXXX # XXXX Late Payment XXXX # XXXX Charge Off XXXX  XXXX XXXX # XXXX Charge Off XXXX XXXX # XXXX Charge Off XXXX XXXX # XXXX Charge Off XXXX  XXXX # XXXX Charge Off XXXX XXXX XXXX # XXXX Collection XXXX XXXX XXXX  # XXXX Collection XXXX XXXX XXXX # XXXX Collection XXXXXXXX XXXX  XXXX # XXXX Collection XXXX XXXX XXXX # XXXX  Collection XXXX XXXX # XXXX Charge Off XXXX XXXX XXXX XXXXXXXX # XXXX Charge Off XXXX XXXX XXXX  XXXX # XXXX Collection XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XX/XX/XXXX Inquirie XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX, XXXX # XX/XX/XXXX Inquirie XXXX # XX/XX/XXXX XXXX XXXX XXXX XXXX # XX/XX/XXXX Inquirie XXXX XXXX  # XX/XX/XXXX Inquirie XXXX XXXX # XX/XX/XXXX Inquirie XXXX XXXX XXXX XX/XX/XXXX Inquirie Legal Basis for This Complaint : FCRA Violations : These accounts may have been reported inaccurately or without proper verification, violating 611 and 623 of the FCRA.

The inaccurate information has resulted in false hard inquiries, charge-offs, and negative items, all of which harm my credit score and reputation. 
FDCPA Violations : The collection practices by creditors and debt collection agencies, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, have been misleading, harassing, and conducted without proper validation of the debts as required under XXXX of the FDCPA. 
Bankruptcy Reporting : The inclusion of XXXXXXXX XXXX XXXX # XXXX violates 605 of the FCRA if the bankruptcy information is outdated or reported inaccurately.

Action Requested : I demand the following actions : Immediate investigation into all the accounts listed above. 
Removal of all inaccurate, unverifiable, or fraudulent items from my consumer credit reports with all three credit bureaus ( XXXX, XXXX, and Equifax ). 
Cease all collection activity related to the accounts under the FDCPA until these items are properly validated. 
Provide me with a detailed response outlining the results of the investigation and corrective actions taken. 
The ongoing presence of these accounts on my credit reports has caused me significant financial and emotional distress. I trust the CFPB will intervene to uphold my rights and ensure that creditors and credit reporting agencies comply with federal laws. 

Thank you for your immediate attention to this matter. Please feel free to contact me at XXXX for further details or documentation.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date open XXXX Balance : {$100.00} XXXX days late
Product: Credit reporting or other personal consumer reports

I'm a survivor of wholesale fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be extremely valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2023 Clarity Services Inc XXXX XXXX XXXX XXXX FL XXXX Subject : Notice of Unauthorized Use of Credit Report Dear Clarity Services Inc, I am writing to bring to your attention a matter of great concern regarding the unauthorized use of my credit report. Upon reviewing my credit history, I have discovered inquiries and activities that I did not authorize. 

Details of unauthorized activities : XXXX. It has come to my knowledge and understanding that you have inquired upon my consumer report on behalf of XXXX XXXX on XX/XX/2023 XXXX from several different companies as shown from attachments. 

I request that you investigate this matter promptly and take appropriate action to rectify the unauthorized use of my credit report. Please provide me with a detailed report of your findings and the steps taken to resolve this issue. 

Enclosed with this letter are copies of relevant documents supporting my claim, including [ list any supporting documents ]. I trust that you will handle this matter with the urgency it deserves to ensure the integrity of my credit report is restored. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX Enclosures XXXX [ List of supporting documents ]
Product: Checking or savings account

I hereby submit a formal complaint regarding a financial transaction discrepancy stemming from an XXXX XXXX XXXX ( ATM ) operated by bank of america. On XX/XX/2024, I initiated a deposit transaction amounting to {$3200.00} via the aforementioned ATM. Regrettably, the ATM malfunctioned, erroneously depositing only {$32.00} into my account. 

Subsequent to this incident, I diligently engaged with Bank of america on multiple occasions to rectify the discrepancy to no avail. Despite intervention from the Consumer Financial Protection Bureau ( CFPB ), all efforts to resolve the matter were met with refusal from the bank. Furthermore, upon receiving a formal declination of my claim, I requested full disclosure of the evidence and rationale underpinning the Bank 's decision-making process, particularly given the financial implications at hand. 

In response to my request, a customer service representative assured me of forthcoming evidence in the form of footage and video recordings pertaining to the incident, which the bank purportedly reviewed during their investigation. Regrettably, despite assurances, I have yet to receive any such documentation, save for the declination letter and service agreement. 

It is pertinent to underscore that the malfunction of the Bank 's ATM resulted in a substantial financial loss totaling {$3100.00}. Given this circumstance, I maintain the right to access evidence utilized by Bank of america in their purported investigation, especially considering the duration of their inquiry both pre and post the involvement of CFPB. Notably, pertinent queries regarding the operational status of the ATM on the day in question, such as whether it was accessed by bank personnel, remain unanswered. 

Consequently, I hereby initiate this claim to demand a comprehensive and impartial investigation into the matter, transcending mere reiteration of facts and providing nebulous grounds. Specifically, I request access to all pertinent evidence, including but not limited to footage, videos, and transaction logs from the ATM in question during the relevant timeframe. 

I trust that bank of america will duly heed this request and undertake a thorough investigation to address this matter in a timely and equitable manner, ensuring a just resolution to this dispute.
Product: Mortgage

On approx. XX/XX/XXXX. I reached out to E Mortgage Capital for a quote. I received a quote and went back an forth with a gentleman names XXXX. There was some misunderstanding on his end and I ended up reaching out to his supervisor. His supervisor who's name is " XXXX - XXXX # XXXX, # XXXX " took over the request. After going back and forth with XXXX, we finally came to an agreement and signed documents moving forward. 

I was very responsive and quick on any requests XXXX and his team made to make my loan process go as smooth as possible. I had little communication from him, no calls back when he did inform me he would call me back. Many of the times I did call him, I was joined in on a three way call with another one of his clients. I hung up multiple times therefore I was not hearing personal information from another client. This happened on multiple occasions. 

I signed closing documents on XX/XX/XXXX. This quickly changed. They stated that my documents were not going through due to some other issues with XXXX XXXX This included a credit dispute that was on my acct. I ran around in circles to get it resolved. After over a week going to my bank, calling the XXXX number to get things taken care of. I was assured by XXXX and his team that this would get my loan pushed through with no other changes. Note, this is well after me signing my CLOSING documents. After getting this taken off. My credit then was XXXX points higher than previous. I was then informed by XXXX that my loan does not qualify and I would need to come up with 5 percent down instead of the 3 percent that I signed for. He ended up working up the loan multiple different ways and informed me he would be waiving all fees for his underwriting to get this done. After going around and around, I supplied him with documents supporting more income from my kids ( survival benefits ). This ended up getting the loan pushed and authorized. He at the end did not waive his fee as he stated and still charged me. 

XXXX had made multiple comments about how much he makes, how much I am " Winning '' by getting house and that it would pay off. He ended up also stating that a lot of other " lenders '' would of dropped me and moved on due to bigger deals out there and that my deal was " minor ''. I am absolutely infuriated by how I was told multiple times the loan terms and agreements, got all the way up to my closing date and the loan terms then changed ( after closing documents were signed ). 

My closing date was missed. I had to come up with over XXXX more than what I was originally quoted and signed for. 

I am more than happy to speak to someone regarding this in more detail.