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. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 ASection 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 fi the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I tried to opt out of them sharing my information and tried calling as well to get copy of any consumer data they are holding about me. Their website shows easy way to get data and opt out ( see photo ). 
It constantly gives error message. So I call the phone number and message says leave message and we will call you right back. No one calls. There is no way to opt out or get my personal data.
Product: Checking or savings account

XX/XX/ & XXXX was taken from my account ending in XXXX for a yearly change for my safety deposit box, which I had for years without any change. I never agreed, in anyway, to such a charge. When I complained, they said there was a notice in one of the papers sent to me that I would be charged {$45.00} a year. That was not done in a noticeable way, and I never remember seeing it anywhere. They never asked me to agree and this is just like saying, were taking your money, without asking for agreeing to it. Thats just a crime of theft that I can not justify. The {$45.00} a year is not the problem as much as loosen trust in a bank transactions to handle my money. Small crimes can lead to big crimes. I want to be able to deal with the bank that I can trust. I want them to return the {$45.00} not because of the value of the money but because of the value of trust. It seems basic to me that you dont have to allow them to do whatever they feel like doing with your money. I want more security. 
Respectfully yours, XXXX XXXX XXXX XXXX
Product: Debt collection

Called this work related phone number after being told that this was for work purposes only and a personal number was given to them.
Product: Credit card

etters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Student loan

My loans said that, via email, that I was recertified for my the Federal Student Aid for tax review this year. This email was from the Federal Student Aid. I called Mohela and they said they would redo the SAVE application over the phone even though I said I just recertified. I was told by the phone representative that my payment would be {$150.00} on the SAVE plan ( even though their calculator said it would {$100.00} ). I got an email shorter after saying I was denied for the SAVE plan because it was too early to recertify. The Mohela website says I am on the SAVE plan but that my payments went from {$35.00} a month to {$750.00} ( which is what a standard replay is ). I have {$49000.00} in income and about {$68000.00} in student loans upon entering repayment so I definitely qualify for the SAVE plan. I need help because I can't afford the {$750.00} automated payment and Mohela is not able to resolve this.
Product: Credit card or prepaid card

I keep getting email from Venmo stating i have made charges. I do not have a Venmo account. I have tried to contact Venmo to find answers to problem. They say I must sign in to get info. I cant sign in because i don't have an account. when i say i forgot my password i am asked personal information about my bank account. i marked mail as spam but keep getting. today I another email with a link to XXXX account. No one here by the name XXXX. Tried again to contact them but they once again want banking information. I tried again to make it spam. even filled out forms with XXXX but not working. I think this company is fishing for people trying to do the right thing. I have frozen my credit already because of XXXX XXXX hack. dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from my identity theft protection company that I had opened a new line of credit on XX/XX/XXXX. I called Equifax to determine who had opened this line of credit and obtain contact information for the creditor since Equifax had not provided this information in the report. They proceeded to ask me ridiculously obscure information about things in the past that no person would ever remember ( the monthly payment of student loans which had been paid off in full over 2 years ago before I ever paid a single monthly payment ). I am now concerned that Equifax has locked me out of my own credit and while allowing somebody else to open an account on my behalf.
Product: Credit reporting or other personal consumer reports

Equifax is practicing in blatant discrimination. I mailed the company my license and social security information, and they continue to lowball my score. I have asked Equifax to remove old mailing addresses from my report and they refused. I asked them to remove XXXX loan entries ( such as XXXX and XXXX XXXX ), and they refused. I have cleared up my credit with the other agencies, and Equifax admittedly had to remove a couple scores. Yet, my score with them is a meager XXXX, which is abysmal. Please get rid of Equifax. United States is the only country that has credit agencies like Equifax. I want Equifax to remove the things I asked them to remove and increase my creditors, or close its doors forever.
Product: Credit reporting or other personal consumer reports

I Looked at my credit report on XXXX XXXX, XXXX. I was informed that my credit report has unauthorized hard inquiries also some inquiries are over their removal date. I also have the evidence. ACCORDING TO 15 USC 1681B FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES OR KNOWNINGLY WITHOUT A PERMISSIBLE PURPOSE. 


1. ( XXXX XXXX XXXX, XXXX, XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 2. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 3. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 4. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 5. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 6. ( XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 7. ( XXXX  XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 8. ( XXXX  XXXX XXXX XXXX XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 9. ( XXXX  XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 10. ( XXXX XXXX XXXXXXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 11. ( XXXX  XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 12. ( XXXX XXXX XXXX XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 13. ( XXXX XXXX  XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B I WOULD LIKE THESE ACCOUNTS REMOVED.

ACCORDING TO 15 USC 1681B FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES OR KNOWNINGLY WITHOUT A PERMISSIBLE PURPOSE.
Product: Mortgage

Subject : Complaint Regarding Escrow Account Mismanagement and Failure to Address Property Tax Exemption To Whom It XXXX Concern, I am filing this complaint regarding XXXX Mortgages handling of my escrow account. I am a XXXX XXXX XXXXXXXXXXXX XXXX, and under Oklahoma state law, veterans with this designation are exempt from paying property taxes. Despite my repeated requests, XXXX Mortgage has failed to recognize and implement this exemption. 

Specifically, my concerns are as follows : Failure to Remove Property Taxes from Escrow Account I have informed XXXX Mortgage of my property tax exemption status and provided necessary documentation. However, XXXX Mortgage has not removed property tax payments from my escrow account, in direct disregard of my exemption under state law. 

XXXX XXXX XXXX XXXX Mortgage has not conducted an accurate escrow analysis reflecting the removal of property taxes. This oversight has led to incorrect calculations of escrow requirements and unjustified overcharges. 

Refund of XXXX Overages The continued collection of property taxes through my escrow account has resulted in an overage. I request an immediate refund of all overages related to property tax payments that I am exempt from. 

XXXX of XXXX Mortgage Payments My monthly mortgage payment has not been adjusted to account for the removal of property taxes. This failure has resulted in undue financial strain, as I am paying an inflated amount. 

I respectfully request the following resolutions : XXXX removal of property taxes from my escrow account. 
A corrected escrow analysis reflecting the removal of property taxes. 
Refund of all overages in my escrow account resulting from the misapplication of property taxes. 
XXXX of my monthly mortgage payment to reflect the absence of property taxes. 
As a XXXX, I expect XXXX Mortgage to act in compliance with state laws and in good faith to address this matter promptly. 

I appreciate your assistance in ensuring XXXX Mortgage resolves this issue effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX, TRANS UNION and XXXX, after review of my credit report, they shows that a delinquent account, the one with XXXX XXXX XXXX. 
This account was hacked and a balance above and beyond my credit limit was permitted by XXXX XXXX. 
In spite of many calls and letter review, XXXX XXXX still reporting delinquency of an account and has not clear it. I disputed this reporting with all 3 credit bureau and they still reporting it. This situation has become a nightmare because i am being deny credit by most company and this is the only thing negative in my report.
Product: Credit card

I contacted Chase about fraud on my account that began on XXXX & went through XX/XX/year>. I found a charge of XXXX on my Chase credit card on my XXXX wallet. The fraud guy used my phone while on it to gain access to the card to pay for a XXXX in XXXX. I have never been to XXXX and never paid for it myself with my card. Keep in mind I was hit by a car XX/XX/year>. My apologies for I was not able to make the statement earlier.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now tried THREE TIMES via direct dispute with Transunion, XXXX, and oh boy, XXXX! to have the account status of a PAID COLLECTION updated CORRECTLY. For SOME REASON, when I paid it off, it was updated as " debt included in or discharged through bankruptcy chapter XXXX '' " debt included in personal recievorship. '' I HAVE NEVER EVEN FILED FOR BANKRUPTCY LET ALONE COMPLETED ONE! I've called the creditor to have this removed, they swear they never reported it! I've disputed it THREE TIMES with the credit bureau who EVERY TIME swears, the creditor confirmed the information is correct! NOW I DON'T KNOW OR EVEN CARE WHERE THE DISCONNECT IS, I WANT IT FIXED! PAID COLLECTION! HOW HARD IS IT TO CHANGE THE STATUS TO " PAID COLLECTION?! '' IF YOU CAN'T DO THAT, REMOVE IT FROM MY CREDIT REPORT ALL TOGETHER! 

XXXX XXXX is the creditor. I have NEVER had SO many problems with something SO XXXX simple!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

XXXX.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within XXXX  days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

XXXX.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXX.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXXImmediately block or remove all inaccurate information resulting from the identity theft. 

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

There are a few XXXX Inquires on my account that I would like to dispute. I do not recall ever applying for these credit lines. I believe these are fraudulent transactions please be advise. The subject hard inquires are as follows : XXXX. XXXX XXXX XXXX XXXX - XX/XX/year> XXXX. Corelogic CREDCO XXXX - XX/XX/year> XXXX. Corelogic CREDCO 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 XXXXXX/XX/year> Please instruct me on how to handle this matter.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( XXXX ).
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/year> ] followed on [ XX/XX/year> ] and followed up on [ XX/XX/year> ]. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

Unauthorized Inquiries in Question XXXX XX/XX/year> XXXX XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter.

I expect your immediate response and resolution to this issue.
Product: Credit card

Discover credit card charged lots of fees including late fees, charged off fees etc not according to the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account many times with all  XXXX  credit bureus. This account has never been verifiable and is reporting different account statuses and amounts on each one of my reports.  XXXX  shows {$6500.00} and closed  and Transunion s hows {$6500.00} and open. By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law.
Product: Credit reporting or other personal consumer reports

I hereby dispute the current payment status and remark comment associated with my credit report for XXXX XXXX  for a Credit Limit of {$9000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. 


The extended duration of the inaccuracies in my Payment History for Current Payment Status and Remark comment serves as evidence that the credit reporting agency and the furnisher knowingly and recklessly violated the FCRA. 


I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections. 


Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. 


Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. 


In accordance with the Fair Credit Reporting Act ( FCRA ), specifically SectioXXXX 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. 


Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXX Balance : {$27000.00}