23daVinci/CFPB_Complaints huggingface dataset:
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Today, I saw incorrect accounts on my credit report without understanding the reason. As I routinely do, I checked my credit report, but this time, there were unexpected discrepancies. Refreshing my browser didn't remove the errors, confirming it wasn't a glitch. Therefore, I ask for a detailed examination of the documents Ive provided to prevent future worries.
Product: Checking or savings account

On XXXX XXXX XXXX  as the bank alleged, someone pretending to be me used my ATM card numbers and stole {$5400.00} from my checking account. I was hospitalized then ; I had no idea I was victimized. After realizing this crime, I discovered my phones and other credit instruments were compromised. I can cite Chase Bank ; they claimed that they did not know how the theft occurred on Saturday, XX/XX/XXXX, and again on Sunday, XX/XX/2023, and that they could not freeze or stop the ATM card. I was aghas and wholly devasted. I immediately went into the bank and spoke with my banker, XXXX, at the XXXX XXXX XXXX ; he told me they were not honest with me and that the theft resulted from skimming or ACH fraud. While I was with the Branch Manager, XXXX and XXXX finalized another account. The disputes department was speaking with a fraudster. I have a rare illness I pay for my co-pays. I moved to this bank and deposited {$50000.00}, and because of my race, I have discovered, as with all big banks XXXX depositors are victimized, and their money is skimmed off and never returned. This is systemic and deliberate. I will never do business with any large bank again. XXXX is a business in America. I never authorized any withdrawals from my account and if someone took my money it was due to fraud this bank is rude and XXXX They promise to return money stolen by fraud to everyone except XXXX XXXX women.
Product: Debt collection

I contacted GLA collections regarding a debt showing up on my credit report. I was told they own debt for services received from XXXX XXXX XXXX XXXX {$550.00}. The GLA representative mentioned the debt is less than {$500.00}, but she doesn't have the details. They have flagged the account with account information disputed by the consumer, which meets FCRA requirements but isn't true. 


I asked GLA collections for written details of any documentation regarding the debt, including dates of services, providers ' names, locations, and itemized statements, several times. I was told they could not provide any supporting information. Nor can they reach out to the original creditor to access the information.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX TransUnion and XXXX to verify and update the accounts on my credit report I asked them to reinvest the completion and accuracy I got my investigation back and noticed the didn't update my account according to usc 1681i 5 that's a violation of multiple laws remove this account from my credit report Account : XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for failing to conduct a proper investigation regarding multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I submitted a written dispute stating that the creditors responsible for these inquiries confirmed they had no verbal or written authorization from me. 

TransUnion is required under the Fair Credit Reporting Act ( FCRA ) to investigate and remove any unverifiable information. Despite my request, they have not provided any documented evidence of my authorization for these inquiries. Additionally, TransUnion relies on the EOSCAR system, which has been criticized by the CFPB for not properly verifying information using primary documentation. 

The disputed inquiries are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX These violations of the FCRA apply : 15 U.S.C. 1681b : No permissible purpose was provided for these inquiries.

15 U.S.C. 1681i ( a ) ( 5 ) : Unverifiable information must be deleted.

15 U.S.C. 1681g : TransUnion has failed to provide proof of my consent.

15 U.S.C. 1681s-2 : Information furnishers must ensure accuracy. 
Based on XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), obtaining a consumer report without a permissible purpose violates the FCRA.
Product: Mortgage

US Bank has failed to answer my questions and provide the documentation as we requested per our complaint with the CFPB, XXXX. US Bank forwarded this complaint to XXXX XXXX XXXX which XXXX also failed to answer our questions and provide the documentation as we requested. Since this occurred, we are exercising our right to re-submit another complaint against US Bank. Failure to comply will result in more complaints filed until we get the answers that we are seeking. Now, per US Bank, role of the trustee, ( US Bank own submission ) US Bank holds an interest in the mortgage loans for the benefit of investors, maintains investors/securities holder recorders, collects payments from the servicer and distributes payments to the investors/security holder. 
Now, we are requesting the following in writing ; 1st, we request to know what was the date our Note/Deed of Trust was transferred into the trust, XXXX Mortgage Loan trust XXXX which US Bank is the trustee for? 
2nd, we request documentation on the investor who US Bank N/A provided the certificate too at the time of the transfer into this trust/securitization? 
3rd, since XXXX, our original lender in 2006, which certificate holder/investor has US Bank N/A been sending our monthly mortgage payments to for our property/Note? 
4th, what were the payment amounts that US Bank has sent to the investor, investors or certificate holder? 
5th, what were the dates of these payments made to the investor/certificate holder? 
6th, does US Bank know where the original Note and the Original Deed of Trust is located at? If so, where are the original Note and original Deed of Trust located at and with whom? 
7th, does US Bank know where all the assignments that was provided to each investor of our mortgage loan? If so, where are these assignments located at and with whom? 
8th, is US Bank fully aware that XXXX failed to track assignments for our Note/Deed of Trust so XXXX would not need to record transfers from one investor to another? 
9th, since XXXX did not record any assignments and failed to keep track of assignments from one investor to another, does US Bank know why XXXX failed to do their job correctly? 
Please answer the above questions in writing and provide documentation! Now, due to the fraud that has occurred by the companies that are handling our mortgage loan, this information does in fact pertain to our mortgage loan and we have the right to have to this information. Failure to comply must result in the following but not limited to the following ; a full investigation from a federal agency, fines being imposed, loss of business license, criminal charges filed, incarceration, lawsuit, compensation for damages, mental anguish, and emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 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 reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Mortgage

The bank I'm reporting on is First Citizen 's Bank  XXXX XXXX, NC, XXXX routing number XXXX. 
Our normal monthly mortgage payment of {$160000.00} was inadvertently drafted on XX/XX/XXXX, the same day as our {$210000.00} mortgage payoff amount. This was due to transaction timing, and while I don't have heartache with the extra {$16000.00} having been drafted, I DO have a problem with the fact that the statement reflects a refund on XX/XX/XXXX, but the refund was in the form of a check DATED XX/XX/XXXX, but not MAILED ( postmarked ) until XX/XX/XXXX. We did not receive the check until the following week, effectively giving the bank a nearly one-month float on the overpayment. 
Since we do our business banking with them and the {$16000.00} payment was electronically drafted, the bank could have processed the refund electronically the next business day. 
I wonder if this is a routine practice with First Citizen 's Bank. If so, then consumers are being unfairly denied access to their funds, and potentially lost interest. 
The fact that the check is dated XX/XX/XXXX, the day after the overpayment, by not mailed until XX/XX/XXXX makes it look like they are concealing something on their books.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

[ Describe the specific inaccuracies on your credit report. Include any incorrect transactions, erroneous account details, or other errors. ] According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest. 

Sincerely, XXXX XXXX XXXX This updated letter includes the additional law you provided, reinforcing your dispute based on relevant statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the creditors and collection companies to let them know that the accounts were fraudulent and not opened up by me and never got. response.
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 XXXX Accounts : XXXX - XXXX  XXXX XXXX - XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXXXXXX - XXXX XXXXXXXX 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 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 : 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: Mortgage

We contacted our mortgage servicer on XX/XX/XXXX to inform them that we would be changing insurance providers. We also informed in writing and via phone on XX/XX/XXXX that XXXX is no longer required to pay property tax. We sent proof on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. They are still unable to provide us a status update. Every time we call ( every 3 to 5 business days ) they transfer us to someone's voicemail and we do not recieve a call back.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX improperly reinserted inaccurate information on my consumer reports that was previously disputed and deleted XXXX  months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered a negative mark ( rental history collection in the amount of {$3100.00} ) on my credit score as inaccurate because I satisfied the requests by then XXXX XXXX XXXX. I was asked to provide a 60-day notice ( to be notarized by a state certified individual ) and pay a reletting fee equal to XXXX rent due in order to relocate for work and school. I requested XXXX, leasing agent from XXXX XXXX XXXX XXXX, to confirm the original collections agency the alleged debt was sent to. She confirmed collection was sent to XXXX XXXX XXXX XXXX ( phone number XXXX XXXX ) XX/XX/XXXX. I reached out to XXXX XXXX to verify the information provided to me and a representative confirmed the alleged debt and information related to my file was never received. 

I followed up with XXXX XXXX XXXX ( the reported agency reflected on my report ) to verify they received the collection as reflected on my credit report. I spoke with a representative who alleged the debt was received between XXXX and XXXX of XXXX, no specific date provided. I requested XXXX XXXX XXXX  provide all documents pertaining to my file ( invoice, breakdown of costs/fees incurred, proof of receipt of reletting fee paid, copy of lease agreement and copy of 60-day notice ) via email by XX/XX/XXXX and never received the requested documents. Because of their unresponsiveness and inability to provide the documents needed to dispute the alleged debt to the major credit bureau , I am filing a complaint to the CFPB to mediate the removal of this item from my Transunion credit report in order to accurately reflect my true credit history.
Product: Credit card

I used a balance transfer check to purchase a car on XXXX/XXXX/2016. I could have charged the purchase on the card but I thought the check would be more convenient. Now I am being charged a fee for using the check. The fee is mentioned only in fine print at the bottom of the accompanying letter ( see attachment please ). The fee is not mentioned anywhere that would be noticeable to the normal reader. I feel that this fee should be reversed since it is not clearly presented on the check offer. I feel I have been tricked and this fee is not fair under the circumstances. I am requesting a credit for the illegitimate fee charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Aqua Finance marked my account as 30 days late in XX/XX/2023. From XXXX XXXX XXXX Aqua Finance was a Line of credit which I signed a contract as and I was make more than the minimum payment often times covering more than one months payment. Then in XXXX of XXXX  they closed that account and opened a new account as a revolving credit without my approval. I was still making more than the minimum payment. I have documentation that shows on XX/XX/2023 I paid {$150.00} which was XXXX months payment and XXXX payment. Then on XX/XX/2023 I paid {$300.00} which was XXXX monthly payment and XXXX monthly payment. So as you can see I was never late. When I spoke to the costumer service rep on the phone today, XX/XX/2023, the rep did not listen to what I was saying and talked over me. When I asked to speak to a manager he put me on hold for 20 minutes and came back and told me that no manager was available to talk to me. He did not listen to what I was saying as I tried to explain this. 
If I was late I should have received emails with my statement saying late since I am paperless, I never received anything stating that. I have phone records that also prove they never called me either. I have always paid and more than the minimum.
Product: Credit card or prepaid card

XX/XX/2018 I won the AARP daily deal for a Walmart gift card for {$10.00} and they wouldnt let me have it. Its a bait and switch FRAUD scam there running!
Product: Checking or savings account

I Purchase is an airline ticket on XX/XX/XXXX and it was XXXX dollar but the I realize it was the wrong airport so I called right away to cancel the ticket and since it was before 24 hours so I could cancel it and get a refund which is what supposed to post in my account in 5 days and on XX/XX/XXXX I got the money back so I purchase another airline ticket with the same money that I got back but it was XXXX dollar and the money was taking out of my available balance on XX/XX/XXXX but it was saying pending on the statement but it was out of my available balance already on XX/XX/XXXX the XXXX dollar Was taking again out of my account but showing in my account as it was only one charge .. and I am not even able to see the first airline ticket or the refund on my statement because they said it was dropped charge like it was never happened but it did happened..thats not the first time this happened it did happened before but I usually get the money back after the weekend on Monday but this time no it did got back .. I tried calling them and they explaining but they only say one thing.. I dont see it on the statement.. so why I cant see my purchase for the first airline ticket that it was refunded.. this is my money and I am supposed to see all the charges I made and the refund on my account.. I am missing XXXX dollar from my account which is got Disappeared from my bank account and I need to get this money back I dont know what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my report that I have disputed prior and these inquiries are with companies that I have no open accounts with. Please DELETE the following inquiries from my consumer file unless you can furnish an original document with my signature showing permissible purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX
Product: Vehicle loan or lease

My car was stolen on XX/XX/2022 I contact the insurance compamy XXXX XXXX who denied the XXXX but also submited the claim to XXXX XXXX due to having Gap Coverage throught XXXX But XXXX is stating XXXX XXXX is the Gap insurance and they process ther'er own claims whi is unfair proctice procedure to the consumer becuse if insurce denies a claim they don't pay the balance off leaving you with a bace even though you've purchased a gap policy
Product: Credit reporting or other personal consumer reports

I DON'T RECOGNIZE THESE ADDRESSES OR NAMES PLEASE REMOVE
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is showing the SAME LOAN TWICE on the credit report. Account was paid and closed. This account is 7 years and 5 months old and refuse to remove it off my credit report. And the other one is showing 6 years and 5 months. Their reporting information is inaccurate and illegal