23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

For up to a month now, despite or maybe in furtherance, of my disputes and complaints. Equifax has done its best to delay, hinder, and evade my attempts to receive fair and accurate reporting. As Im justly allowed under the FCRA. As well as my right to dispute, freely, any inaccuracy or error, that I deem necessary. Further this tactic, as hindered me further across the other bureaus, as well. Im unable to obtain current and accurate reports of my credit standing or profile. Collections and other inaccuracies are continued to be reported and injurious because of this companies malfeasance. This is totally unethical, unjust, and certainly goes against all conduct codes and standards, companies like this are based on. This includes changing information in my security questions and profile to when im prompted to call, Im unable to verify my identity, to reach a live representative to dispute or resolute.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated My federal protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX  account # XXXX 15 u.s.c 1681 section 602 A states I have the right to privacy.

15 u.s.c 1681 section 604 A 2 it also states a consumer reporting agency can not furnish a account without My recent instructions.

15 u.s.c 1681c. ( a ) ( 5 ) Section states no consumer reporting agency May make a consumer reporting contain any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more then 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 the information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to report account items as included in a bankruptcy that what deleted as inaccurate from my credit file in violation of the following FCRA regulation : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 
( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. 

The items are below : ACCOUNTS XXXX XXXX XXXX  XXXX no bankruptcy on file XXXX XXXX XXXX no bankruptcy on file XXXX XXXX XXXX no bankruptcy on file XXXX XXXX no bankruptcy on file XXXX XXXX no bankruptcy on file XXXX XXXX no bankruptcy on file XXXX XXXX XXXX no bankruptcy on file
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : TransUnion : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXXXXXX 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 - XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of XXXX : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
XXXX XXXX Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern , Subject : Identity Theft Notification and Request for Removal of Fraudulent Account I, XXXX XXXX XXXX, born on XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, am writing to formally notify you of an incident of identity theft that occurred in my name on XX/XX/XXXX The fraudulent account was originally established with XXXX XXXX XXXXXXXX. The account is reported to have an outstanding balance of {$2800.00} I want to assert that I did not authorize the creation of this account, nor was I aware of its existence until recently. This fraudulent activity has resulted in significant emotional distress and has adversely affected both my credit score and the well-being of my family. 
In accordance with the Fair Credit Reporting Act, I have attached a notarized identity theft affidavit for your review. I respectfully request that you investigate this matter thoroughly and remove the fraudulent account from my credit report at your earliest convenience. 
Thank you for your prompt attention to this serious issue. I look forward to your response. 
Sincerely, XXXX XXXX XXXX [ Attachment : Notarized Identity Theft Affidavit ]
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX XXXX You 've paid off 100 % of your student loan amount. 
Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XX/XX/XXXX ( 11 yrs, 6 mos ) Term 120 months Payment History Youve made 45 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times 30/60/90 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I asked that late be removed from my report.According to ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Vehicle loan or lease

Few time trying to pay off had trouble with customer service. Finally able to pay off and never saw the title. Requested a few times but was unsuccessful.
Product: Checking or savings account

We received multiple unauthorized transactions from our account, mostly big amounts totaling up to XXXX dollars. I believe the root of the fraudulent activity was because I went to a gas pump & I didnt notice the safety seal on that particular gas pump was broken until after I had pumped gas & I could literally see inside all the components that the pump consisted of which makes me believe someone had tampered with such pump & all my information was breached. I tried contacting Bank of America on multiple occasions & I keep being labeled a liar & I keep getting into problems with them for the same issue. Its getting to the point where I dont even want to call anymore because theyre basically insulting me & my wife & I dont stand for that. If that was the case I would be claiming every big transaction in my account to be fraudulent but I only file If something is really going on. This is the third time theyve made me open a new account just for my account to be riddled with fraudulent activity. Just yesterday & last week they breached the new account again & stole up to around XXXX dollars & Bank of America just keeps telling me to open a new account instead of actually figuring out whats going on & giving me a refund back. I had previously had my first account with them & I had closed it years ago, I decided to give them another chance but that was obviously a horrible mistake. Please note : We do not have any form of connection or accounts with these companies that are withdrawing money from both of our accounts.
Product: Mortgage

I received a home mortgage modification with Chase bank 6 years ago. Original mortgage was XXXX. Chase modified my mortgage as follows first 5 years 2 % interest year 6, 3 % year 7, 4 % year 8,4.35 % for life of loan which was a 30 year mortgage. They deferred XXXX till end of note and a balloon payment in the amount of XXXX at end of note. The value of my home is around XXXX right now I guess i owe around XXXX. Are you kidding me? Obama making home affordable act!! What a joke!! XXXX now has my mortgage and I was told there was nothing they can do, as far as i can see, this is criminal. The banks got bailed out, what the XXXX is going on???? I need help getting my mortgage back to where it was.
Product: Credit card or prepaid card

XXXX XXXX informed me I do an excellent chance of receiving a credit card from Discover with a deposit. A credit card to improve my credit. My credit history very good. The evidence is I was late to pay Discover, but I paid every debt to Discover I owed to discover. The evidence is Discover will earn money by giving me a line of credit. Discover will be paid. Discover denied me a line of credit inappropriately. My credit score was negatively effected.
Product: Checking or savings account

MY WIFE TRIED TO DEPOSIT A CHECK INTO AN ACCOUNT AND WAS TOLD THE ACCOUNT WAS CLOSED. WITHOUT NOTICE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2021, received message from Trans Union Credit, that my credit file just received a credit inquiry and I knew it was not me. 
The inquiry came from XXXX, phone XXXX, after about 30 minutes of going thru all different departments, I was told to ask for a CUSTOMER CARE AGENT, explained to them and they sent me to their INVESTAGATION DEPARTMENT, I spoke to a man named XXXX, he took all my info. and agreed with me that my inquiry was from a fraudulent individual. XXXX told me they would send a message to TRANS UNION, telling them that they are DELETING their credit inquiry, and ask that Trans Union likewise remove the inquiry from my report As of todays date XXXX XXXX, 2021, TransUnion has not received word from XXXX XXXX!
Product: Debt collection

XXXX XXXX XXXXXXXX First financial asset management continues to contact me on behalf of XXXX XXXX XXXX  stating that I owe them {$100.00}. I have repeatedly contact XXXX XXXX and my XXXX card company because the debt was paid twice actually on XXXX the XXXX of XXXX and I have proof and the debt was also paid a second time by accident on XX/XX/XXXX. Financial asset management has continued to harass and call me they will not send me anything via mail or email they will not let me just do the charge they will not validate the charge with XXXX. XXXX has indeed provided the information that the debt was paid twice. I don't even know what the dead is for I don't even know what the {$100.00} was charge on my card without permission what it was for nobody has told me however, it was just charged on my card without reason.
Product: Mortgage

On XX/XX/2020, I made a request with my previous insurance broker to cancel my coverage through XXXX XXXX XXXX effective XX/XX/2020. I had already signed up for replacement insurance coverage for my home via XXXX XXXX. 

The new insurance with XXXX XXXX was scheduled to take effect on XX/XX/2020. 

This notification was sent to NEW REZ on XX/XX/2020. 

On XX/XX/2020, I received a letter from NEW REZ dated XX/XX/2020. This letter stated that I NO INSURANCE as required by my loan agreement. The letter also stated that NEW REZ would buy insurance coverage for my home which may not be to my benefit. 

This is the second time I have had to submit a complaint about this company. The last time, I TRUSTED that they would IN GOOD FAITH, correct their error. Unfortunately, they did not do so and continured to harass me and my family for payments they had already received. 

That said, I submitted proof of my insurance to them on XX/XX/2020 ( via website https : XXXX ) as well as by fax on XX/XX/2020. The fax was sent to XXXX XXXX XXXX XXXX. 

This means that they were notified on three ( 3 ) separate occasions that i have the required insurance coverage.
Product: Checking or savings account

Jp Morgan-chase with their " totally free '' checking account, has an overdraft protection policy that is extremely flawed, it boasts about having XXXX of leeway but the moment you go over that they charge you {$36.00} per charge, none of those Charges were over {$36.00}? Too bad have {$200.00} debt, got an {$1.00} XXXX  bill? Oh buddy we are a bank with XXXX of dollars that's gon na be {$36.00} too, you thought it would be less then that because it was basically pocket change? No absolutely not, that {$1.00} is gon na bankrupt us give us money so we can stay afloat.
Product: Mortgage

I was contacted by this firm XXXX XXXX stating that I was a victim of predatory lending. 

This correspondence reference the complaint filed against XXXX XXXX. This was a firm that sought me out alleging that I was a victim of predatory lending with mortgage company ( Pennymac ) I had completed two trial payment plans ( 6months ) of {$1200.00} a month each to get an approved modification and XXXX in late fees and delinquent payments was added on. 
Thanks XXXX XXXX and established a business contact stating the firm represent
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX : # XXXX, XXXX : # XXXX '' '' '' 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 an 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 card or prepaid card

the credit card company ( barclaycard ) put a hold on my {$1500.00} payment despite the fact that the {$1500.00} was debited in the checking account ending in ____. what pains me is that i have used this checking account to make my payments for the last three years. this is the second time that they have done this to me. kindly please penalize them to the maximum amount that the law provides. 

i have emailed the credit card company twice and no response. i have called the customer service and got a hold of someone but he told me he can not help me. 

Respectfully, XXXX
Product: Credit reporting

I moved in XXXX to a new apartment. Since my current internet service XXXX XXXX XXXX XXXX was not available at the new location, I paid off my what I thought was my last XXXX XXXX XXXX XXXX XXXX and canceled my service. A year later, in XXXX, I had to move again. This time I could n't qualify for my new apartment due to a bad credit rating from XXXX XXXX XXXX XXXX! Instead of mailing the bill to me, XXXX XXXX XXXX had sent me to collections for {$86.00}. I had no idea that the bill even existed. I had changed my address with USPS and I received other bills/correspondence in the mail at my new address, but XXXX XXXX XXXX never attempted to contact me. I was able to pay the {$86.00} and get a print out showing proof I had paid it off and I did get the new apartment. It is now XXXX, and I am moving again and what shows up on my credit report? A collections entry for XXXX XXXX XXXX still! I have my bill conformation from XXXX XXXX XXXX as proof I paid it off. I want it off my credit report!