23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission.

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX Account XXXX : XXXX Please delete from my credit report immediately 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX XXXX Account Number : XXXX Please delete from my credit report immediately Sincerely, XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau CC : Attorney General 's Office CC : State Senate CC : Federal Deposit Insurance Corporation CC : Controller of the Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory Agency Please see the attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent letters of to all bureaus on XXXX XXXX, 2002. Here is my tracking # for # XXXX XXXX. 
# TransUnion XXXX # XXXX XXXX. 
To remove personal information that I do not want on my credit report because of inaccuracies. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Mortgage

I started my mortgage with XXXX XXXX XXXX. At the time of the mortgage, i had my taxes and insurance paid through the payment. When the file was transferred to OCWEN, for reason 's unknown, my taxes were not paid through my payments. Now, according to OCWEN, I owe about {$30000.00} or more on my mortgage. I filed chapter XXXX bankruptcy and moved it to a Chapter XXXX, which is now dismissed. I am in the process of modifying my loan with OCWEN, but I do n't really understand how my balance became so large, and how my payment became so large. I would like a full accounting of the loan from the time it was transferred to OCWEN to now.
Product: Credit card or prepaid card

I applied for a Citibank Best Buy no annual fee store card. I was denied the card due to " Insufficient Credit Experience '' but they still offered me a different card with a {$59.00} fee. My credit is impeccable with a XXXX Fico score on my Citibank web site and I have over 40 years of excellent credit history and I hold most major credit cards including a Citibank card with a {$19000.00} limit, XXXX, XXXX XXXX also. This seems to me to be a case of bait and switch trying to upsell me to a card with a fee. The free card had a offer for a 10 % discount on my first major Best Buy purchase. I made such a purchase for a total of {$3300.00}.
Product: Vehicle loan or lease

Someone is using the phone number XXXX pretending to be Wells Fargo. Please alert callers. This phone number does not belong to Wells Fargo.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. The company has acknowledged this error and has committed to remove the accounts. Other credit bureaus have already removed the accounts after the company recognized the inaccuracy of the accounts. I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX , DEPT OF EDUCATION/XXXX XXXX , DEPT OF EDUCATIONXXXX XXXX
Product: Vehicle loan or lease

Im currently XXXX  XXXX  military and informed carmax that I wished to utilize my XXXX benefit and terminate my auto loan and no longer be indebted to Carmax auto finance. Ive served them with a notice of termination and have to tried to get them to terminate my loan but they keep telling me thats its not possible and I can only voluntary surrender the vehicle and they auction the car and I pay the remaining balance which is not what I needed done. They dont want me to terminate my loan even though its a clear right stipulated by XXXX  law
Product: Credit reporting or other personal consumer reports

I am bringing this to your attention a matter regarding the denial of securities by XXXX XXXX, which I believe constitutes a violation of my rights under the Equal Credit Opportunity Act ( ECOA ). 

Recently, I submitted a registered security to XXXX XXXX, as per their requirements. However, my application was denied based on information provided by Transunion. It is pertinent to note that this denial occurred despite my XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX which should not be grounds for refusal of access to my securities. 

I firmly believe that denying access to my credit, particularly in the context of securities transactions, constitutes a form of security fraud. This action directly contradicts the principles outlined in the ECOA, which mandates equal access to credit without discrimination based on factors such as race, color, religion, national origin, sex, marital status, age, or because the applicant receives income from a public assistance program. I am seeking compensation for the denial of my securities by Transunion. I believe that such compensation is warranted given the violation of my rights under the ECOA and the inconvenience caused by the denial. Furthermore, I urge the CFPB to investigate this matter thoroughly to ensure that such discriminatory practices are addressed and prevented in the future. 

It is imperative that financial institutions uphold the principles of fairness and equality as mandated by federal law. Thank you for your attention to this matter. I kindly request acknowledgment of receipt of this email and any necessary steps for addressing this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were inquiry made on my Equifax report that werent authorized by me Equifax sent me a letter stating they would remove the inquiries but never did the inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding the inaccuracies in several accounts on my credit report. Despite multiple attempts to resolve this matter, these errors remain uncorrected, causing significant harm to my creditworthiness. 

The incorrect information is severely affecting my financial standing, making it difficult to manage everyday responsibilities and future opportunities. I respectfully request a thorough investigation into each of the disputed accounts and that corrective action be taken immediately. 

It is critical that my credit report is updated to reflect accurate information without further delay. I trust that your prompt attention to this matter will help restore the integrity of my credit file, allowing me to regain control of my financial well-being. 

Thank you for your understanding and swift action.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Checking or savings account

Please send me ALL CHASE Bank statements for past 6 months. 

Please remove all and any fees charged on my XXXX ( XXXX ) accounts. 

When I opened, banker told me there are no fees on account ( XXXX ), totally free accounts as long as I have positive balance. 

Return all fees. 

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

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OHIO XXXX TRANSUNION, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. XXXX. XXXX XXXX {$250.00}, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX should redact information that is unrelated to the dispute with this company. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Please investigate this matter, close the account take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
PERSONAL ADDRESS ARE INCORRECT ON MY ACCOUNT PLEASE REMOVE Sincerely, XXXX XXXX Enclosures : [ List what you are enclosing ] Identity Theft Report Copy of Credit Report please remove all address, unknow theif used different address to open credit in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a fraud dispute on XX/XX/XXXX for fraud against Florida Department of revenue. Somehow it appeared as XX/XX/XXXX. Now the Florida Department of revenue did not provide facts and continued the fraud and changed the dates and money amounts of the fraud from XX/XX/XXXX {$52000.00} to XX/XX/XXXX {$35000.00}. The Name on that fraudulent account is not mine and has never been mine. I looked up the case file and neither party named is factual there is no such person as XXXX XXXX XXXX the plantiff obligoee nor the person they claim to be me XXXX XXXX XXXX XXXX defendant obligor. So there is no way that this should be allowed and it is blatant fraud. My Name is XXXX XXXX XXXX it has never be changed to any other name. I did not know of this debt they forcefully took payments from my checks. I did not pay them they stole money from me with the fraud.
Product: Mortgage

I purchased my home in XX/XX/XXXX. XXXX Mortgage purchased my loan in XX/XX/XXXX. I contacted PHH immediately to advise that my ESCROW account was incorrect. The prior mortgage company sent PHH a check for my escrow. After several calls to PHH, I was notified in XX/XX/XXXX that after their analysis I had a surplus of a little more than {$2300.00} and they were issuing me a refund check. The notification also indicated my new payment to include the escrow. Fast forward to XX/XX/XXXX, I received my tax statement and notified PHH that there wasnt enough money in my escrow to cover the taxes and requested they research what happened when they acquired my load. I was informed that PHH would ensure my taxes were paid. However, I still needed to understand what happened that my escrow was off over {$4500.00}. On XX/XX/XXXX, I checked my account and discovered a notice uploaded to my documents stating that my taxes had been paid and that my escrow account is short {$4400.00} of which I am responsible for paying back over the next 36 months. My new payment amount will increase {$460.00} due to PHHs error. On XX/XX/XXXX, I finally received the documents I had been requested to determine where the error occurred. The tax certificate PHH received clearly shows that my taxes should have been for {$6500.00} and not the {$2800.00} they projected for my escrow. I have called the escalation team multiple times and spoken to agents that a rude, try to speak over me and only tell me information I already know. When I asked to speak with a supervisor, I was advised that someone would call me back in two business days. Once, again I am asked to wait for a call, when no one has been able to assist me in weeks. No one attempted to contact me to discuss or explain what happened and what options I had to resolve this issue. I need help trying to resolve this issue as I now have an increased mortgage payment of almost {$500.00}.
Product: Debt collection

Jefferson capital reference XXXX Original creditor XXXX XXXX XXXX XXXX We have an agreement that pay only certain amount. they give an discount not to pay all the amount that initial was. XXXX. We agree to it pay {$830.00}. 

I pay XX/XX/XXXX {$270.00} I pay XX/XX/XXXX {$57.00} I pay XX/XX/XXXX {$120.00} I pay XX/XX/XXXX {$120.00} I only own them {$250.00} between XX/XX/XXXX and XX/XX/XXXX. And my account of transunion said I own them more than {$800.00}. And that no true. I will appreciate your help.
Product: Credit card or prepaid card

My husband passed away XX/XX/19 & I paid off & closed The account in XX/XX/2019 A charge came thru the account XX/XX/19 from a company that my husband had an annual payment set up that I knew nothing about & when I received a bill for it I called & ask how could they accept a charge on an account that was closed. They said it should not have happened & would take care of it. Ive had to call over & over final hot a letter telling me I would have to pay it. PLEASE HELP ME! THIS ISNT RIGHT!
Product: Student loan

I made a payment for my student loan, which posted on XX/XX/XXXX. However, Mohela is not crediting the payment and attempting to charge me a second time on XX/XX/XXXX. I have attempted to contact them through messaging on their website and received no response. I tried to call them but the wait time is ~2 hours.
Product: Credit reporting

On three seperate dates I 've mailed the CRA 's a letter as follows : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. ( I have left out the accounts for privacy reasons ) Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

I have not received any such documents as of this date.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The 3 credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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

I am a victim of identity theft I have been disputing a few collections on my credit report for some time. I attached the dispute letter, identity theft.gov letter and police report to my claim and experian claims they can not verify that it is with law enforcement. Refusing to abide by my rights to fair and accurate reporting. This is not fair to me as this negatively impacts my life by having these fraudulent accounts on my report And I noticed that every year the collection XXXX  gets removed it shows back up on my credit report. Which seems illegal Im so upset and in tears about this tedious process with the credit bureau ive reached out to the collections and have disputed the debt as well. Please help me
Product: Credit reporting or other personal consumer reports

Complaint Against Experian for Failure to Properly Investigate Disputes and Correct Credit Report Errors Regarding : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing a complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). Despite multiple written requests and disputes sent to Experian regarding incorrect information on my credit report, Experian has failed to : 1. Properly investigate the disputes or provide timely updates ( violation of 15 USC 1681i ( 5 ) ). 
2. Correct or remove errors from my credit report ( violation of 15 USC 1681e ( b ) ). 
3. Fail to ensure that the credit reporting information provided by data furnishers is accurate ( violation of 15 USC 1681s-2 ). 
4. Fail to provide proper notification of actions taken or removal of information in accordance with the law ( violation of 15 USC 1681c ( c ) ). 

I was particularly concerned when I learned about the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which alleges that the company conducts sham investigations into credit report disputes and fails to remove or reinstate errors in a timely manner. The CFPBs action highlights a pattern of non-compliance with the FCRA, which is precisely what I have experienced in my dealings with Experian. 

As a result of Experians failure to correct the erroneous information on my credit report, I have faced serious consequences, including [ describe any negative impacts youve experienced, such as denied credit, higher interest rates, or job or housing denials ]. 

I am requesting the following : A thorough investigation into the incorrect information on my credit report and immediate correction or removal of these errors. 
A review of the practices Experian has in place for handling consumer disputes, as they seem to be in violation of federal law. 
A formal response from Experian outlining how they plan to resolve this issue and prevent future occurrences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX acct number XXXX is in violation of my rights. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct XXXX is in violation of my rights. 
In accordance with the XXXX XXXXXXXX acct XXXX has violated my rights. 
In accordance with the XXXX XXXXXXXX XXXX XXXX acct number XXXX and XXXX XXXX acct number 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 States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I settled on this debt with XXXX XXXX. It is still showing on my credit reports as opened ( on XXXX ), or closed ( on XXXX XXXX ) with no mention of the fact that its been settled and paid on per the settlement agreent they offered. Today is XX/XX/XXXX. The last settlement payment was made XX/XX/XXXX. They still havent updated it to the credit bureaus.
Product: Credit reporting or other personal consumer reports

i do not recognize these inquiries on my credit report
Product: Credit card or prepaid card

Company closed my account and unable to respond to my legal claims .. ignoring me for years and trying to get a answer of when they will send a message or emails to my XXXX  attorneys.. they closed my southwest chase credit card because I dont have enough credit which is stupid I dont like to have lots of credit cards in my wallet that leads to serious debts .. and second they increase my credit limit too high without my permission and checked my credit report without my permission.. now I made payments on this card and I want my money returned to me.. otherwise I will contact my third party attorneys.. chase and XXXX XXXX has my money.. I made my payments from XXXX XXXXXXXX and send it to chase bank neither of these companies refused to return my money I paid for and closes my accounts