23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

List of Unauthorized Inquiries : XXXX XXXX - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

I contacted Equifax Customer Care ( XXXX ) to inquire about letters coming from Equifax Information Systems LLC, XXXX XXXX XXXX  XXXX, XXXX, GA XXXX. One letter references my request to add security freezes to the credit files for my children ; I have no children. Another letter references my request for a security freeze on my credit file ; I have had a freeze in place for almost a decade. Another letter references the results of a dispute of an item on my credit file ; I have made no such dispute. Equifax Customer Care informs me that there is no such subsidiary of Equifax named Equifax Information Systems LLC and the address listed is not one of their addresses. Additionally, they said I should ignore the letters. It appears that someone is attempting to pose as part of Equifax in an attempt to obtain Personally Identifiable Information from people. Given the history of Equifax to fail to protect consumer data and what appears to be an attempt to use the XXXX XXXX XXXX XXXX to obtain information fraudulently, Equifax security issues may still be very exist.. This is highly likely since they replaced freeze.equifax.com with my.equifax.com and shut down user access to the site. Since Equifax Customer Care has indicated the sender is not valid, I plan to send copies of the letter to Equifax Fraud Department. Since the XXXX is being used to solicit the information, I plan to send copies of the letters to the XXXX XXXX XXXX XXXX.
Product: Mortgage

This lady came on the XXXX " XXXX XXXX '' to appraise my house ( Please see her business card ), her aim was to submit it to my Mortgage company " Mr. Cooper '' and remove the PMI. 

My house value has increased substantially and I also did an addition to the house which was signed off on XX/XX/2021. 

I have asked Mr. Cooper multiple times to remove the PMI, still the PMI is there on my Mortgage statement. 

Its been 10 days since that appraiser came to my house, and still the PMI is not removed.

When I have more than 20 % stake in my property, why am I being charged a PMI, I don't understand. 

I have made hundreds of calls and emails but to no avail.
Product: Credit reporting or other personal consumer reports

It is so distressing when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Product: Checking or savings account

I deposited a large check into my account on XX/XX/2021. I was told that the money wouldn't be available until XX/XX/XXXX by the teller. I thought that a strangely long period to hold onto a check, but I just accepted it. Now, a sibling also made a similar deposit at another bank ( not Chase ) on the same date as I and the funds were made available two days later on Saturday, XX/XX/2021. So, if this smaller bank was able to verify and pay out a check within two days, what is Chase 's problem? 
On XX/XX/2021, I contacted Chase twice ; the first time at noon and the second at XXXX. The first time, customer service transferred me over to another department after telling me that maybe some of my funds could be made available to me. The woman in the department ( she did not give her name nor the department, which upon the subsequent call, I found out was the fraud department ), allegedly called the issuing bank and the lawyers office where the check was written but surprisingly could not get in touch with anyone at either office to verify this check. This took 35 minutes and no resolution. Unsatisfied, that's when I made the call at XXXX. XXXX, in the fraud department ( I had to ask his name and department. They don't offer this information upfront which I don't understand what the point of the secrecy is ) all but told me that I was being investigated for fraud. I never have and never will be involved in criminal behavior. This is MY money that I entrusted to Chase and this is how they treat customers. Is it because I'm otherwise a working class person ; not rich enough to be treated humanely? Is it XXXX? Now I'm offended and feel discriminated against. I also am now behind on debt that I would have been able to rectify if Chase did not have such ridiculous practices. I understand a large check being deposited needs to be verified but why does it take 7 to 10 business days to do that when another bank was able to do it in 2? I know that Chase has received the release of my money from the other bank and they are just holding onto it for no other reason but to be unprofessional and uncompromising. As of this complaint, one of the two accounts that I have with Chase is overdrawn. I expect Chase to do away with the overdraft fees since this situation is one that they've created. I've had money in my account since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

My husband, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to rent a property in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We were contacted by XXXX XXXXXXXX XXXX XXXXXXXX messenger. She sent us her XXXX property listing and we asked lots of questions via XXXX messenger, email and text message. Everything seemed very legit. Even a signed a rental agreement. We sent a {$2000.00} deposit via Zelle from our XXXXXXXX XXXX XXXX XXXX XXXX XXXX  The bank did call and confirm that I initiated the transaction and warned me. I still felt it seemed legit and told them to proceed. After I ended the call with the bank I did more research and determined it was a scam. I called the property management group on the XXXX listing and the people who scammed us. I tried to contact my bank but it was too late to stop the transaction. I have to wait till Monday to report the transaction to their scam department. I have the email addresses and Zelle information for the scammer. I also found out this same XXXX account was used to scam other people. I put in a request to XXXX to report the profile as a scam. Also trying to post in the group to warn others not to rent from this profile. Zelle account I sent to : Name XXXX XXXX XXXX XXXX XXXX They gave me another email to send money via Zelle after I told them there was a problem, I did it send anything to this account. XXXX XXXX XXXX XXXX XXXX. We reported the issue to XXXX XXXX XXXX and Zelle. They really did not seem to do anything about the issue. This was a known scam account to them yet they did not close the account. Also report this to FTC and IC3.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT REPORT AND NOTICED I HAD AN UNAUTHORIZED COLLECTION FROM XXXX XXXX XXXX WITH ACCT NUMBER : XXXX  OPENED IN XX/XX/XXXX FOR {$130.00} ON XXXX AND ACCT NUMBER : XXXX  OPENED IN XX/XX/XXXX FOR {$120.00} ON TRANSUNION THAT I DO NOT RECOGNIZE. I BELIEVE SOMEONE MAY HAVE APPLIED FOR SOME THINGS IN MY NAME AS FRAUDULENT. I WOULD ALSO LIKE THE FOLLOWING INQUIRIES REMOVED FROM TRANSUNION : 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept EducationXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 6 um 602 right states that have the right of privacy.

15 U.S. C1681 section 604 section state a consumer reporting agency can not furnishe. The account without migrant instructions.

15 U.S.D 1681 C85 Section states consumer reports containing any of the following items of information other then records of probation, or crimes wich anti_ date the report by more than 7 years.

15 U.S.D 1681 S2 A1 a person may not furnish any information related to consumer reporting agency if the know or has reasonable cost to believe that the information isn't accurate right here.
Product: Bank account or service

Excessive overdraft fees and unlawful reordering of bank account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report from all 3 bureaus and found many errors that I have requested to be updated or removed and the bureaus are not doing as I ask. They will simply put a statement that says " Meets the requirements of the FCRA '' but it does not meet the requirements when section 602 is being violated. I ask for physical, documented proof that these accounts are mine and they REFUSE to provide the information requested. 

1. A company by the name of XXXX XXXX is reporting a XXXX  XXXX account that has been turned over for collections. They list is as being opened on XX/XX/2017 but no inquiry shows up on my files to show that I even applied for an account with XXXX XXXX because I never had an account with them that was a sole account of mine. When I call this company they will not provide me with the original contract, why? Because NO CONTRACT exists. The credit bureaus are in pure violation of Metro 2 Compliance that specifically says all information being reported to the credit bureaus must meet certain and proper formatting and they do not. Much of the information is missing and this is a Metro 2 Compliance violation. This account with XXXX XXXX is only listing XXXX no one can legally contact XXXX XXXX with such account information and therefore it is incomplete and a major violation. 

2. XXXX XXXX is reporting an account, once again the bureaus say it meets the requirements of the FCRA, I am demanding written proof, meaning a hand signed contract that says this account is mine. I have never had XXXX and yet they are reporting this on my files. Also incomplete and missing information makes it very hard to validate so once again a Metro 2 Compliance violation is taking place. The only thing being reported is a partial account listed as XXXX this is not a valid account number and needs to be removed immediately or send me verification in the form of a signed contract from the creditor showing this is mine. 

3. Also they each have many old addresses being reported on my files along with many names that are incorrect and need to be removed. The only thing that should be reporting is my current address of XXXX XXXX XXXX XXXX XXXX, CO XXXX, and two names XXXX XXXX and XXXX XXXX XXXX. 

Immediately removal of the above information is demanded or I want them investigated for FCRA Violations. 

3.
Product: Mortgage

My husband who is a 100 % combat related XXXX veteran died on XX/XX/XXXX. Our home mortgage is in his name. I as the surviving spouse reported his death to Mr. Cooper mortgage company. With Covid effecting so many people I was offered forbearance for a year. I graciously took this. At the end of the year, I was told that I had forbearance till the end of XXXX, XXXX. I would be given the opportunity to renegotiate the mortgage terms as of XXXX, XXXX. 

I have contacted Mr. Cooper on numerous occasions to get this process accomplished. Every time I am told that I did not send them complete information. For example, Mr. Cooper wanted verification of XXXX Retirement. They said they would accept either a letter from XXXX or 2 months of bank statements with the XXXX Retirement credited to my account. I gave them 2 months of bank statements. And I highlighted the deposits on each month to make it easy to identify. Six weeks after I submit these statements, I get a call from Mr. Cooper stating that they will NOT accept those bank statements and that they want the XXXX letter for the years of XXXX, XXXX, XXXX and XXXX. I immediately requested this information from XXXX but will have to wait for my request to be processed and sent to me via postal mail, before scanning and submitting to Mr. Cooper. XXXX has yet to supply me with the letters of monies sent as of XX/XX/XXXX. 

Today, XX/XX/XXXX, Mr. Cooper called and stated that they wont accept the bank statements that I sent in from the XXXX XXXX website because it did not have my deceased husbands name on it. I told them that I notified the XXXX XXXX immediately upon his death and that the account was put into my name solely. I went directly to the XXXX XXXX to ask them to print out the statements with the XXXX logo and my name and account number on it. 

It is now the end of XX/XX/XXXX. I am constantly getting more and more requests for Mr. Cooper and each time it is delaying the restructuring of this mortgage. I wanted to get this done in XXXX, XXXX before the interest rate rose so that I could get a lower mortgage payment. 

I feel that this mortgage company is deliberately stalling the restructuring of this mortgage so that the interest rate will be higher and my payments would be increased. This is no way to treat the widow of a career XXXX veteran that became XXXX due to his time in service. 

I would like the loan modification to be done at the interest rates as of early XXXX, XXXX with a reduced loan payments.
Product: Credit reporting or other personal consumer reports

HARD INQUIRIES are on my Credit Reports, I did not authorize and do not recognize. 

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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
" "
Product: Credit card

On XX/XX/2023 & XX/XX/2023 I sent a billing error dispute to Chase Bank, customer service and their registered agent. I tried to resolve this billing error dispute but have not received a resolution. On XX/XX/2023, I sent a notice of pre-arbitration to cardmember services. The response I received was not the documentary evidence I requested according 15 USC 1666 ( b ). On XX/XX/XXXX I initiated a demand for arbitration. 

This process has been very stressful and XXXX inducing, for both my personal and professional life. Ive taken all the necessary steps and have received no resolution.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute inaccurate information appearing on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The following accounts contain errors or inaccuracies that require immediate investigation and correction : Name : 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 Reason for Dispute : I believe the information associated with these accounts is inaccurate for the following reasons : The accounts may not belong to me.

There may be errors in reporting the balances, payment history, or account status.

Possible fraudulent activity may have occurred without my knowledge. 

In accordance with the FCRA, I request that the CFPB direct the relevant credit reporting agencies and data furnishers to investigate these accounts and provide verification of their accuracy. If the information can not be verified, I request that the entries be removed or corrected promptly. 

To assist in your investigation, I have enclosed the following documents : A copy of my drivers license for identity verification. 

A recent utility bill confirming my current address. 

A copy of my credit report highlighting the disputed accounts. 

Please notify me of the results of your investigation at the earliest possible opportunity. I trust that the CFPB will act in accordance with its mandate to ensure the accuracy and fairness of credit reporting. 

Thank you for your prompt attention to this matter. 

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

After reviewing my credit report, I have found a number of inaccurate information listed such as names, addresses, closed accounts & debt. 

It is my right under the Fair Credit Reporting Act to ask for the name & address of the business that claims the debt. 

My request is for they either to verify the information or to remove the debt from my credit report. XXXX, XXXX, Transunion and XXXX XXXX  are not maintaining reasonable procedures. 

I request that you comply with the law and give me the verification in writing within XXXX working days of receiving this letter. It is important that I correct my credit report as soon as possible. 

I, as a federally protected consumer, am invoking my specified remedy as a consumer, and the debtor, I hereby demand all of the following : I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease & desist all forms of communication with me through any and all mediums UNLESS it pertains to my remedy in WRITING via mail pursuant 15 USC 1692c. ( c ). 

I, the affiant and consumer, in writing with adequate information on all forms of remittance " accepted '' and the remittance provider address and the name exactly as it appears on the I.R.S statements so we can resolve this issue post haste. If you are not familiar with remittance transfers, please see XXXX XXXX XXXX C.F.R Subpart B " Requirements Remittance Transfers '' for your reference. 

I do in good faith expect you to handle these matters with ordinary care to address all subject matter. Respectfully. I declare under penalty of perjury WITHOUT the United States ( 28 U.S.C 1746 ) that the Above is the Truth, The Whole Truth and Nothing but the Truth to the best of my knowledge and Overstanding. 

The Fair Credit Reporting Act XXXX Common Violations which include inaccurate violations, incorrect addresses, unauthorized accuses and right authorization are all violations. 

15 usc 6802-6805 Disclosing my information XXXX. COLLECTION AND ENFORCEMENT BY SECURED PARTY 15 U.S.C. 1692e ) If a debt collector does violate the FDCPA they can be liable for up to {$1000.00} in damages plus any attorney 's fees. Meaning you all have been calling me about debts that have been CLOSED and PAYED off with GAP insurance and insurance. You can NOT collect on a debt after its been closed or payed off. You have violated my rights. 

Additionally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

I have a mortgage with US Bank. I am now receiving suspicious emails ( three so far ) asking me to go to link regarding my mortgage application. But I do not have an open application. I have called the bank several times and forwarded the suspicious email to their fraud address. Someone appears to be using my information to get a loan or something. One bank rep said I shouldn't be concerned, with no explanation. And that's the only response I've gotten. They are ignoring this. And someone may be in the process of using my personal information and ruining my credit.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act : XXXX Bank 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 also states a consumer reporting agency can not furnish a account without my written instructions.