23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I recently received a copy of my credit report. The credit report showed a credit inquiry by " CLARITY SERVICES INC '' I do not recall authorizing or " someone is using my identity ''. I understand that " CLARITY SERVICES INC '' shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

Inquiry date : XX/XX/2020 I sent a certified letter to CLARITY SERVICES INC on this date XX/XX/2020 Under the Fair Debt Collection Protection Act, on XX/XX/2020 I requested CLARITY SERVICES INC to provide me a validation of the inquiry. I mentioned in the letter, failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim. 

CLARITY SERVICES INC - failed to provide any validation of the inquiry. No evidence, no signature, and incorrect name. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. They failed to comply with the Federal Laws. attached ) I did not authorize anyone employed by " CLARITY SERVICES INC '' to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit card or prepaid card

on XX/XX/2022 i contacted bofa prepaid services to let them know of multiple charges made on to my account. in total I counted XXXX charges from same merchant. XXXX claims were filed claim # XXXX totaling {$4800.00}, and claim # XXXX for XXXX there was no provisional credit provided even if investigation took over 10 business days. on XX/XX/XXXX both claims were denied. on that same day I contacted bank of America and ask for detailed reason as to how they reached the denial. all i got was a letter in the mail a few days later stating Bank of America did not find any mistakes made?? i don't know what they mean by that. on that same day i called and asked for a reconsideration again denied 2 days later on XX/XX/XXXX and again on XX/XX/XXXX and XXXX. i also contacted the merchant explained the situation and asked for their assistance and told them my bank was refusing to investigate this claim. the merchant conducted their own investigation, which took 7 days they concluded that because the cvv # was used on all transactions that made me liable for the charges even if I didn't have an account with them or done business or allowed anyone to use my card or authorized any of the transactions in question. i have since continued to contact bofa all they keep offering is to resubmit my claim only to be denied over and over without conducting a proper investigation.
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. 

Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 card or prepaid card

Dear CFPB, My card is associated with apple account : XXXX My Apple Credit Card ( Goldman Sachs ) is closed for no reason. They locked my card on XX/XX/2022 and told me to contact customer service, however, every time I contacted them, they did not give me a specific answer. They always told me that some one from an internal team will call me back. They did not give me a reason why my account is restricted. On XX/XX/2022 they closed my account with no notice and pre-notice or anything. They closed my account with out any reasons to me. This really hurt my financial situation and health. Please help me appeal them. Please see attached file for the conversation. They told me they restricted my account to protect me, and then they closed it.
Product: Debt collection

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft, which has resulted in unauthorized inquiries appearing on my credit report. I did not initiate or authorize these inquiries, and I request that they be removed immediately to prevent further damage to my credit.
Product: Checking or savings account

I opened an account at the BBVA bank that did not have any charges, then this bank was acquired by PNC bank and without any authorization from me they began to deduct monthly money from the account. 

I call customer service without any solution. They say that since I have never used my account they can not attend me. I have to go to a branch. I tell them that I live in XXXX and I can not go to a branch. 

My request is that the charges made from the account be returned and that the account continue with the same conditions that were agreed with the BBVA bank. 

Account number 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
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting or other personal consumer reports

An overpayment was made by me to XXXX for my mortgage and I requested, and eventually received, a refund by check. They added a remark code to the credit bureaus that says " Account information disputed by customer ''. This has brought my credit score down substantially and it needs to be removed. They do not know what they are doing over there as they are a debt collection agency that started handling mortgages. They have been a nightmare to deal with since my mortgage was bought by them in XXXX! I have never been late as I am on auto pay. I tried to pay extra on my principle and they took out an entire mortgage payment plus the {$1000.00} extra principle payment. This was XXXX XXXX after my regular monthly payment came out. I simply requested a refund of the {$1000.00} payment. It took over a month and jumping through many hoops to receive that check. Just a nightmare! Now my credit score has been affected with their inaccurate reporting.
Product: Vehicle loan or lease

I purchased a vehicle in XXXXXXXX XXXX XXXXXXXX. My first payment was due in XXXXXXXX XXXX XXXXXXXX. I have made all of my payments from XX/XX/XXXX- XXXX of XXXX. I have all bank statements showing proof of payments from this time period. I received a phone call from Santander Consumer Financial in XXXXXXXX XXXX XXXXXXXX saying they had not received my payment from XXXX and XXXX. I went to my my bank, had them print out my statements showing proof of payment and I faxed it to Santander Consumer Financial. They told me they would have to investigate and they would get back to me in 3-5 business days. I waited about a week and still hadn't heard from Santander so I took it upon myself to call them. After being on hold for over and hour and being transferred to 7 different people, I was told they were still investigating. This went on weekly for about 2 and a half months. I finally got answers in XXXX and was simply told by Santander that my bank was stealing my money and now I am told I am 3 months behind on payments, even though throughout their " investigation '' my husband and I were still making all payments in full. I had a daily battle with this company for months. I gave them all of my proof of payments and they continued to tack on late fees. Now we jump to XXXX and they tell me out of all of this time, for the past 9 months, I have only made 2 payments. All of my money invested in this vehicle was taken from me. I have invested over {$10000.00} in this vehicle just to end up with nothing. This company is crooked and they are thieves. I need help to figure out my options in recovering some of my money. They have also changed names that reflect on bank statement to a shell company called XXXX. I questioned them several times about this company and Santander advised me it was a third party company they use for payment purposes. I was recently told in XXXX by a Santander employee that she didn't know who that company was nor had she heard of them. I am beginning to think that that is how they are defrauding people out of money. They are receiving payment through this shell company and then acting as if they have no idea who they are. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$560.00} XXXX  XXXX Balance : {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all 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 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 items of information other, than records of conviction of crimes which antedates the report by more than se
ven years.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 ( 2 ) states " I have a right to privacy. '' 15 USC 1681 section 604 a section ( 2 ) states. '' In general, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, XXXX XXXX these financial institutions and the consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. ANY and all consent to XXXX XXXX XXXX, XXXX XXXX, EQUIFAX, XXXX, XXXX whether it be verbal, non-verbal, written, implied is revoked. Under 15 USC 1666 ( b ) A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide evidence. CFPB step up and delete XXXX XXXX XXXX ( ORIG CREDITOR : 09 XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX   XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),
Product: Mortgage

I have a Fixed Mortgage Loan in the amount is XXXX I have been paying Mortgage Insurance Premium ( MIP ) {$670.00} The Mortgage company did n't remove the MIP when a reached XXXX % of the mortgage loan. According to the MORTGAGE INSURANCE ANNUAL DISCLOSURE Automatic Termination of PMI : If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach XXXX % of the original value of the property. If you are not current on your loan payments as of that date, PMI will automatically terminate when you thereafter become current on your payments. In any event, PMI will not be required on your mortgage loan beyond the date that is the midpoint of the amortization period for the loan if you are current on your payments on that date. 
I Reached XXXX % on my loan {$89000.00} back on XXXX XXXX, 2013 XXXX/XXXX/2013 Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2013 Payment XXXX XXXX XXXX XXXX XXXX XXXX The Balance in my house is {$24000.00} and I am requesting the full refund of my MIP overpayment since I reached XXXX %. 

Thank you in advance for you help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX sent a certified letter with attachments of my credit report and copy of my state ID and Social security card to Equifax regarding incomplete and inaccurate on my credit report and asked them to do a complete investigation making sure all accounts information are completely listed and accurate. If this could not be done I requested that and account that is missing any information or not correct be deleted from my credit files in occurrence to 15U.s.C Sec 1681i ( a ), 15 U.S.C 1681 Section602a, 15 U.S.C 1681 Section A section 2. 
Account name XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX & account number XXXX XXXX  account number XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX ( I noticed on this account the new report that was sent to me has a different account number that my first report that I received on XX/XX/2022 ) They responded with updates that was not fully completed information and still inaccurate information still appears in my credit file. I am not sure who Equifax did their investigation with but to my knowledge I am aware of anyone that was contact to verify information as it states in the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

Im writing to you today asking for help to inform that I am a victim of identity theft. Per FCRA section 605b CREDIT BUREAUS are required to remove any item listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of ITEM which do not belong to me or were opened without my permission.XX/XX/XXXXInquiry Date :XX/XX/XXXX Inquiry Date : XX/XX/XXXXXX/XX/XXXX Inquiry Date : XX/XX/XXXX XX/XX/XXXX( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3500.00} XXXX XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$33000.00} XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXX/XX/XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XX/XX/XXXX Im writing to you today asking for help to inform that I am a victim of identity theft. Per FCRA section 605b CREDIT BUREAUS are required to remove any item listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of ITEM which do not belong to me or were opened without my permission. XXXX XX/XX/XXXX Inquiry Date : XX/XX/XXXXXX/XX/XXXX Inquiry Date : XX/XX/XXXXXX/XX/XXXX Inquiry Date : XX/XX/XXXXXX/XX/XXXX( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3500.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$33000.00} XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXX/XX/XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$2600.00} XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Someone has used my email address to open an account with Moneylion. They used my first name and a different last name to create the profile and verified a phone number that is not mine for the account. I was able to log in via forgotten password and changed the password, but I want to delete the account. There is no option to do this on the Moneylion site.
Product: Credit reporting or other personal consumer reports

Hello, I sent a letter to Equifax ( XXXX Mail ), letting them know that they are reporting XXXX accounts inaccurately on my credit report. Equifax responded claiming they did an investigation on these accounts and they came back verified. As a consumer, I have the right to ask for proof of this investigation and they have not provided ANY proof. 

I have done everything I can as a consumer. Equifax is breaking FCRA laws! 
I told them they if they do not show proof of an investigation, to either remove these accounts or update them to " Paid as Agreed '' and they have done neither. 

CFPB, I plead that you help me. I don't know what else to do. Equifax is getting away with murder ( metaphorically speaking ). I don't think it's fair what they do behind your back and I seriously have all the proof that I've done what I'm supposed to do. 

The XXXX accounts in question are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have them update these accounts or have them removed. 

If not, please fine them. 

Thank you.
Product: Money transfers

I have my mother 's financial power of attorney. I 'm also an authorized signatory on her accounts at Bank of America. I handle the payment of all of my mother 's bills. 

Using BofA online, I requested a transfer from my mother 's BofA checking account to her XXXX XXXX XXXX XXXX account so I could make a payment on her HELOC. Unbeknownst to me, instead of doing an electronic transfer, BofA deducted the funds from my mother 's account, then physically wrote and mailed a check to XXXX XXXX. When XXXX XXXX tried to collect on the check, BofA refused to pay it. XXXX XXXX charged my mother {$26.00} for bouncing a check. 

BofA claims it was a misunderstanding, that when I complained about them writing a check instead of doing the electronic transfer, they assumed I wanted the check stopped. Even though I specifically told them I needed the account details written on the check so I could contact XXXX to ensure the check was deposited in the correct account ( at XXXX XXXX, my mother has the HELOC and a savings account ). 

I received a call today from BofA 's " Enterprise Customer Care Resolution Department '' f/k/a " Office of the President and CEO. '' ( At least, that 's the information that was left on my voice mail. ) Clearly, BofA broke the law, otherwise this would not have escalated so quickly. I need to know what my mother 's legal rights and remedies are.
Product: Debt collection

An initial email sent to me on XXXX XX/XX/XXXX from Credit Control LLC stating I owed a debt of {$2000.00} with an additional amount of {$370.00} of non-interest or fees with a total amount of {$2400.00} I sent a written letter via certified mail to credit control LLC tracking number XXXX on XXXX XX/XX/XXXX, I requested a response within 30 days to verify the debt and I have not received any written response back. In the letter I also requested verification of the addition {$370.00}, what is this charge? 

I have not received any letters from this company verifying the debt.