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

In general. Subject to subsection ( f ), and except as provided in subsection ( g ) 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 611 - 15 U.S.C. 1681i 59 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. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

The account with XXXX XXXX is not my account. I have contacted XXXX  on multiple occasions requesting a copy of the original contract which should include my wet signature and a picture copy of my ID. I have not been provided with this information. Please provide this information within the guidelines stated above according to the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Creditor Information XXXX   XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern. 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more.I am requesting a copy of the XXXX form filed on this account, XXXX XXXX XXXX, XX/XX/year>. If not I request a removal of the account. reporting a charge-off or collection claiming that I owe the debt. 15 U.S.C. 1681n states that anyone who obtains a consumer report under false pretenses or without a permissible purpose is liable to the CRA for actual damages or {$1000.00}, whichever is greater.
Product: Mortgage

My Mortgage was sold by XXXX XXXX to Chase Mortgage over a month ago and I was told that by XX/XX/XXXX, my escrow funds would be posted on the website. To date it is not and my request for a statement has been ignored as my escrow balance is $ XXXX XXXX. Yet the amount that came over from XXXXXXXX XXXX and with a subsequent payment now totals over {$6900.00}. 

I have requested call backs from managers so as to find out what the hold up is and get a statement/letter/email with my escrow balance. Which they have ignored.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am following up on case number XXXX regarding TransUnions failure to remove unauthorized inquiries from my credit report. These inquiries were made without my consent, and TransUnion has refused to take corrective action, forcing me to consider filing an FTC complaint. However, this step should not be necessary, as no credit was granted, and no open or active accounts resulted from these inquiries. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a consumer reporting agency may only furnish a credit report with permissible purpose. Since I did not authorize these inquiries and they did not result in any credit relationship, they should not be reported. Furthermore, under FCRA 1681i, I have the right to dispute any inaccurate or unauthorized information on my credit report and have it removed upon failure to verify. 

TransUnions refusal to remove these inquiries is a clear violation of my rights as a consumer. I request immediate enforcement action to ensure compliance with federal law and the prompt removal of these unauthorized inquiries. 

Thank you for your attention to this matter. I look forward to your swift response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the account with the inaccuracies
Product: Credit reporting

My husband and I are attempting to refinance our home. The mortgage broker sent us our credit scores and mine came in very low. We just got a free credit card report on from one of the companies that the broker gave us which reflected my lowest score. On the account we just received in 7 years for XXXX records there was actually just XXXX issue in question. And I am trying to find out more about it. But frankly to penalize a citizen in this way for XXXX issue seems outrageous. Here is a list on the brokers report of my so called transgressions - none seem applicable. 1. Serious delinquency 2.Time since delinquency is too recent or unknown 3.Proportion of balances to credit limits is too high on bank 4. Revolving or other revolving accounts. 
All this because there may be XXXX account for a small amount of money to be disputed!
Product: Debt collection

Back in XX/XX/2020, I received a bill from Citizens Bank, for a credit card I had never authorized. In a matter of a few days, {$7000.00} were charged. This had started back in XXXX. As soon as I realize it, I reported to the police and the credit bureaus, followed the steps given to report identity theft and fraud, froze my credit and set an alert.

Sent a letter reporting the identity fraud to the credit company itself, Citizens Bank. 
Months passed, sent a second letter and finally heard from them, XX/XX/XXXX, but not the helpful response I was expecting. They simply said that after reviewing my account they had denied it.
Product: Money transfer, virtual currency, or money service

A scam company called XXXX XXXX that poses as a fake online exchange run by a man named XXXX XXXX at XXXX XXXX XXXX in XXXX CT dba XXXX XXXX XXXX used their XXXX app on the XXXX XXXX XXXX ( which is registered to them excludively ) to obtain ACH and routing info for my bank, which they then used to defraud me and steal {$1800.00} out of my US bank account with unauthorized ACH charges. 

I notified my bank immediately ( US Bank ) who saw the theft happening and blocked the merchant ID of XXXX. However, one or more other merchant IDs with a different letter or name like " XXXX XXXX '' rather than " XXXX '' was used to try and pull more out to steal from me by ACH when they realized the other one was blocked.

US bank started a new account for me to prevent XXXX aka XXXX XXXX from stealing what was left. 

XXXX then ( and only then ) responded to contact emails sent 2-3 months ago from XX/XX/XXXX saying he " could only send part of the money back that he took without permission if I gave him the new ACH and routing number '' which I knew he did not need to return the money because the old one was deliberately left available for deposit only by US bank and no withdrawals, and the only reason XXXX needed the new ACH was to keep stealing from it. 

When I refused to give him the new routing and account number, he said he could not send any part back that he stole. 

US Bank was able to recover {$1400.00} out of the {$1800.00} that was stolen by XXXX XXXX aka XXXX, but XXXX lied to his merchant saying {$400.00} was a valid charge when NO PART OF IT WAS VALID to get away with stealing the remaining {$400.00} from me. No service or anything was ever provided, it was just taken from my account. 

I am asking for your help to get that remaining {$400.00} back that he has gotten away with stealing. US Bank prematurely closed the case after only {$1400.00} of it was returned, but the amount stolen and FDIC insured was {$1800.00}. US Bank said there isn't anything they can do about the other {$400.00}, so I am asking for your help to get that returned to me. 

In addition to the {$1800.00} taken from my bank account which was never used for cryptocurrency and never authorized for withdrawals, XXXX XXXX aka XXXX XXXX made over {$700.00} of bitcoin sent to them " disappear '' and claimed it was an " AI system error '' and could not be recovered, putting what they had tried to steal from me at over {$2500.00} and thus far, what they got away with stealing is {$1100.00}, {$700.00} of which is alt currency and outside of FDIC protection, while {$400.00} in unauthorized ach is FDIC insured and needs to be returned immediately. Part of this money XXXX has stolen was from money sent by the IRS to me, making what XXXX XXXX has done a federal crime. 

Please help to return the {$400.00} remaining that XXXX  has stolen, be it by intervention with US Bank or by other legal means. Thank you.
Product: Credit reporting or other personal consumer reports

Experian Credit reporting marked my report with two 30 days late and then two 60 days late. I disputed on line which I could not do because they did not offer that kind of dispute. I mailed in a dispute in XX/XX/year> with a letter and with exhibits proving none of my accounts reported me late and they failed to correct. I resent another letter with exhibits in XXXX and once again they failed to correct. I had to get homeowners insurance and at first it was {$3000.00} a year and went up to {$7000.00} a year because of the incorrect credit reporting of 2 30 days late and 2 60 days late. I don't have a problem with XXXX just Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft because I have been XXXX  for the last 10 years and it is no way I am opening accounts and leaving them delinquent if I am in XXXX Someone is taking advantage of my situation and I would like all negative/fraudulent accounts listed be removed from my consumer report per 15 US Code 1681c-2 Block of information resulting from identity theft. Also according to 15 US Code 1681e-Compliance procedures ( b ) Accuracy of Reports states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' They have not been reporting accurate information. Also, 15 US Code 1681b-Permissible Purpose of Consumer Report states that without my written permission no one has the right to report anything on my behalf and I NEVER gave these 3 companies written instructions. Please remove these items from my credit report.
Product: Debt collection

XX/XX/XXXX XXXX XXXX responded to my complaint to your agency ref # XXXX they stated the account was closed and returned to XXXX and that they had instructed the credit bureaus to remove the account from my credit report. 
I just received updated reports today XX/XX/XXXX showing Convergent verified this account on XX/XX/XXXX after they stated it would be removed. they are now in violation of the FCRA as well as FDCPA
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

XXXX XXXX XXXX Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report.

# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. 

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was paying on time with all of my bills but I was involved in a bad accident and still was paying but they reported me being late
Product: Checking or savings account

Late on a Friday night I received an email from Bank of America that a request for a new checking account had been created. I had been a BoA customer for years but closed all my accounts in XX/XX/2023 because I was so dissatisfied with their customer support and had no intent to ever deal with BoA again, but unfortunately some ID thief was able to successfully get BoA to open a new account in my name. I then called BoA regarding the fraudulent account and was on hold for over a half-hour before was connected to a person who then transferred me to another person who then transferred me to another person, of course being on hold between each transfer and none of them actually transferred the information I told each one of them so had to start over each time. In all, I wasted over an hour of my life with BoA today for something I never wanted/needed! I understand that ID theft can not be completely prevented these days so not complaining about BoA opening the account in the first place. My complaint is that BoA customer support has no straightforward path for what has to have become a common issue where people who are not actually clients of BoA need to speak with someone quickly to prevent further personal damage ( for a victim of ID theft ). Their automated phone menu and the BoA call agents were all pre-programmed to move forward with BoA account details and there was no option for callers like me as a non-BoA customer to easily address fraud involving BoA. 
Also, BoA does not seem to have any process to prevent this from happening again. They simply are going to close the newly created account ; I doubt they have any safeguards from another account being opened in my name in the future even though they now know my personal info/SSN has been compromised.
Product: Money transfer, virtual currency, or money service

I sent {$500.00} on XX/XX/2023 to my Dad in XXXX XXXX Bank of America Online App to his account on XXXX XXXX. The fund took longer to get there, then I decided to send the money with XXXX XXXX. I then requested to Bank of America to return the fund which they promise will be done, but never happened. 
after many attempt to return the fund, I was told that the bank in XXXX denied to return the fund and I had one choice to give green light to my dad to receive that money, which I did but my dad never received that found. After six months of calling every week these transfer investigators, I was told to go to the Bank to get help. 
I met XXXX XXXX who is AVP Financial Center manager at Bank of America on XXXX XXXX XXXX XXXX, XXXX, TX XXXX, She tried to follow up unsuccessfully. at the end I was told that there is nothing else the bank could do because the other side told them they gave my dad the fund and the was no mistake or error, but they failed to provide the proof i asked for. BANK STATEMENT