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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXXXXXX : # XXXX, 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 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ran my credit without my permission with several companies, I mailed a letter a requested removal with no response. The date XXXX XXXX ran my credit was XXXX, they also sent in my information to XXXX XXXX  on XXXX and XXXX XXXX XXXX XXXX XXXX. I also mailed in a statement to all three credit bureaus explaining this inadmissible inquiry and have yet to get a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sent two letters from chase regarding end-of-lease fees. The first amount was {$1500.00} ( approx ). This was for minor scratches and dents. This amount was sent to the credit bureaus as a " new monthly payment amount '' and dropped my score heavily. I called chase and disputed the amount. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX for {$320.00}. It was actually hard to read and took about 5-6 reads to understand. On XX/XX/XXXX, I received an email from XXXX XXXX that my score dropped, this time 70 points due to missing a payment. Chase bank sent it to the credit bureaus. I paid it on XX/XX/XXXX on the phone with Chase and began disputing it as late, considering the letter had no indication of paying within 30 days. A woman at chase bank stated " pay upon receipt '' means due when they send out the letter, which means the count down starts XX/XX/XXXX. She also stated I should know better than to call on a Saturday to figure things out, as her department isn't open on Saturdays. That means no extra time for it to go through the USPS and arrive at a person 's house. It took 5 mailing days to arrive. I disputed with XXXX  and they replied that Chase said it is  indeed correct. I received a letter in the mail dated XX/XX/XXXX ( received XX/XX/XXXX ) also from Chase stating it is Massachusetts law that I can appeal the {$320.00}. I think that is a little late to issue such a letter, given the damage done.
Product: Credit reporting or other personal consumer reports

my reports are showing that I was late however pursuant to section XXXX of the fair credit reporting act, I have never received any written notice from the furnishers about reporting negative information on my credit reports. Because of that, these late payments being reported is in fact inaccurate and unverifiable. This is a violation of the FCRA and I demand that the credit reporting agencies modify the information to report paid as agreed never late.
Product: Mortgage

I am in foreclosure on my mortgage. I applied to Rushmore for a modification of my loan on or about XX/XX/2019. On or about XX/XX/2019, the law firm representing the plaintiff provided my attorney with a trial modification offer. The offer requires a {$8400.00} down payment and a 6-month trial period with monthly installment payments of exactly {$2100.00} per month. On my instruction, my attorney reached out to plaintiff 's law firm to ask what the terms of the contemplated modification would be if I successfully complete the modification, and also asked if the down payment could be eliminated or reduced. The plaintiff 's law firm responded that the down payment " can not be eliminated or reduced '' and also that " the projected terms will not be available until completion of the trial modification. '' I find it inconceivable that Rushmore does not know the terms of the modification it would offer me if I complete the trial successfully. It knows what I owe now and what I will owe at the end of the six-month period if I meet all of the trial plan requirements by making the {$8400.00} down payment and the six {$2100.00} installment payments. I ask that Rushmore provide me with that information that they must know about the projected monthly PITI payments, modified principal balance, maturity date, and interest rate would be if the trial mod is successfully completed.
Product: Debt collection

I received a collection email from XXXX saying I owed {$25.00} on an old XXXX account. The email said " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. '' I replied to the provided contact email and indicated I disputed the validity and wanted documentation. I do not remember this supposed debt, and the payment website required the type of info scammers typically want ( social security numbers and other sensitive personal data ). They never replied to my email or provided documentation. Months later, I received an unsettling phone call from this same company demanding payment for this debt. When I informed them that they had failed to provide documentation as required by regulation and that the call was illegal, the debt collector insisted on continuing the call.
Product: Debt or credit management

They claim to verify debt and dont Will not remove incorrect information off credit report
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 XXXXXXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account XXXX Account Name : XXXX  XXXX  Account NumberXXXX Account Name : 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 reporting or other personal consumer reports

My Experian account allowed someone to change the name, address, and phone number on my credit report, The name has been changed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The names associated with this address are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. The phone number are ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX. There has also been a hack on XXXX of my personal credit cards.
Product: Credit card or prepaid card

I purchased a XXXX  XXXX  gift card which is distributed and serviced by Incomm Financial Services - from XXXX. I did not even open up the card yet after loading {$200.00} onto the card to pay a bill, and I only had {$1.00} left- just enough to purchase a cheeseburger at XXXX 's when I visited it a few days after purchasing the card and not even opening it yet. I noticed upon logging in to my account that all of my funds had been spent in an entirely different state. I contacted the card services which told me that the transactions were pending and would not be pushed thorugh. That I could call back in 7 days to receive my funds back on a new card after those transactions had bounce. They locked the card, yet the trasactions did go through and now I am completely out of the funds that I need to remain in my housing unit. They said that I may be able to regain some funds in 90 days which is also too long for something that was not my fault. Working in IT and cybersecurity, this is not an acceptable way to handle this customer service situation. It is unfathomable since I am also on social security. Finally it is unacceptable because of them promising to do one thing then doing something else entirely different. They left me feeling betrayed and without any support. It was also a wait time of over 30 minutes to get someone on the phone the first time. Upon asking for a supervisor, I was hung up on. I have heard other such stories like this about XXXX, and it is just unfortunate that because of their support, that I can not buy food this month for my family. I am therefore posting this complaint about their overall service, customer support, and poor policies.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without
my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Checking or savings account

The local branch in my neighborhood does not produce the same outcome as the branch near my workplace in the downtown area. The court granted a monthly payment of {$650.00} from a guardianship acct in which I have to physically go into the branch each month to request the hold release to receive the monthly payment. Apparently when i visited the branch in my neighborhood Im told that the hold release request was sent and it should take 2-3 days for the funds to be released and someone will call me once its approved. Ive waited more than 2-3 days I actually waited 7 days and never received a call or follow up. But when I visit the branch in the downtown area the request is sent and Im told someone will call. Well I actually get a call within 2 hours of requesting the release and the funds are then available same day. I have brung this matter to my neighbor branch and even spoke with a manager but no one seems to understand why theres differential treatment at each branch.
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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$530.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Transunion, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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 XXXXXXXX These accounts have resulted in a fraudulent accounts appearing on my consumer report. I have listed these fraudulent account that is on the report that is being maintained by you. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer report that is being maintained by you was not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer account is the result of identity theft and fraud.
Product: Debt collection

Progressive Management Systems collection agency reported to the  XXXX  credit bureaus that I have a debt to  XXXX   XXXX   XXXX   XXXX  opened  XXXX    XXXX  . I have never been to this medical center. There would be no reason for me to go to this medical center.I have never heard of it and I do not know where it is even located. I have and had insurance with  XXXX   XXXX  and I would only go to  XXXX   XXXX  for my medical needs.   I never received any billing from this medical center but I have a collection from this collection agency. I do not know how or why this has happened but, I have disputed this before and it was to be deleted from the credit bureaus all three.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX ( full name : XXXX XXXX XXXX ), I am a resident of California with a permanent address in the city XXXX, CA XXXX. 
I am a victim of identity theft, someone from another State ( Texas ) have been using my social security to apply for credit cards and loans. 
I have Identity Theft Protection with XXXX XXXX, I was alerted with the below activities. 

I filed with XXXX report # XXXX filed on XXXX, and sent certified mail to the following institutions : XXXX TransUnion XXXX XXXX for fraudulent credit cards applied under my name. identity I did not make the charge ( s ), I am requesting for an immediate investigation, and requesting that the item ( s ) be blocked to correct my credit report. 
Below are the credit cards applied and using my identity under an address from Texas and I believe under CFPB : XXXX XX/XX/21 - CFPB -XXXX  XX/XX/21 - CFPB XXXX  XX/XX/21 - CFPB XX/XX/21 XXXX - CFPB XX/XX/21 XXXX  - CFPB XXXX XXXX account # XXXX open XX/XX/21 account closed XX/XX/21 Service address/ Billing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX All of the above cards and loans, applied by an individual from Texas addresses below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX your XXXX. 
Sincerely, XXXXXXXX XXXX Tel : ( XXXX ) XXXX
Product: Checking or savings account

Starting on XX/XX/XXXX, somebody, unknown to me or my son, gained access to his savings and checking accounts without our permission and without our knowledge ( we are co-owners on these accounts ). On XX/XX/XXXX, two transfers from savings to checking occurred without our knowledge. From XX/XX/XXXX through XX/XX/XXXX transfers from savings to checking became more frequent and in larger amounts, without our permission or knowledge. At the same time, from XX/XX/XXXX through XX/XX/XXXX, without our permission or knowledge, many transactions of XXXX XXXX, and XXXX XXXX were sent to unknown people that we did not approve. Before this occurred my savings account had {$11000.00} and it was all transferred into the checking without my permission or knowledge. From the checking account all the money was sent to unknown people through XXXX, XXXX XXXX XXXX XXXX. My son 's work was also making direct deposits during this time and these were taken without our permission as well, ultimately pulling {$12000.00} from my son 's checking. 

We did not, at any point, approve any of these transactions. 

As soon as we noticed, we contacted Bank of America. They denied our claim and said that we gave permission for the withdrawals, which was not true, so we made another claim and again it was denied. However, we NEVER gave access to the account to anyone and we NEVER approved the removal of all of his money from his savings, into his checking to be sent out to others via the various XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company made false reports of my account being delinquent during XXXX. The account is also being false reported as XXXX accounts when is actually only XXXX that the University of XXXX XXXX  is responsible for as agreed in mitigation back in 2013 for collecting tutition against the tuition expempt and making unsafe/ unsound scrutiny against XXXX/XXXX  of the court against Florida and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my anxiety with respect to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be totally explored. In spite of my endeavors, I still can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and frustrating my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused gigantic difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I benevolently demand that you direct an exhaustive examination concerning the detailing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recover command over my monetary prosperity. I earnestly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue quickly would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three accounts below have a wrong balance. 


1. XXXX XXXX XXXX XXXX {$120.00} {$300.00} 41 % Revolving Current XX/XX/2017 2. XXXX XXXX   XXXX {$140.00} {$200.00} 72 % Revolving Current XX/XX/2017 3. XXXX XXXX XXXX XXXX XXXX {$190.00} {$200.00} 100 % Revolving Current XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or adjust the following items : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$23000.00}.