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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX Dear Equifax Information Services LLC, I am writing this letter to address the continued violation of the Fair Credit Reporting Act ( FCRA ) by your organization. Please consider this my final offer of settlement before litigation, as my intention is to amicably resolve this issue. 

As per the FCRA, I demand that you delete any inaccurate, unverifiable, and invalidated information from my consumer file immediately. Failure to do so may result in me pursuing litigation in accordance with FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617. 

Furthermore, I would like to remind you that your organization is in direct violation of the FCRA, and the unverified items listed in my credit report still remain in violation of federal law. You are required to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. '' However, you have not provided me with a copy of any original documentation as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Additionally, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' As a litigious consumer, I fully intend to pursue litigation in this matter to enforce my rights under the FCRA. Therefore, I demand that the following items be deleted immediately as they are either inaccurate, unverifiable, or invalidated : Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX  XXXX Unauthorized inquiry : XXXX  Date of inquiry : XX/XX/XXXX Unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Unauthorized inquiry : XXXX Date of inquiry : XX/XX/XXXX Unauthorized inquiry : XXXX  Date of inquiry : XX/XX/XXXX Unauthorized inquiry : XXXX  Date of inquiry : XX/XX/XXXX Unauthorized inquiry : XXXX Date of inquiry : XX/XX/XXXX Unauthorized inquiry : XXXX  Date of inquiry : XX/XX/XXXX Please remove all the above items from my credit report. I recently applied for extended credit and was denied. I am in distress because of your mistakes, and I expect prompt and immediate action to rectify the situation. 

Kindly note that the FCRA provides clear guidance on civil liability and the remedies available to me ( Section 616 & 617 ) if you fail to comply with federal law. 

I hope that you will take this offer seriously and take prompt action to address the issues raised. Please consider this letter as a formal complaint to the Federal Trade Commission and evidence in pending litigation if you fail to comply with this offer of settlement. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, California XXXX ) is trying to collect a money from me and reporting it to my credit report. The debt is fraudulent. My identity was stolen and used against my knowledge and consent. I have fraud alerts on my credit and have also contacted the police about this debt. The company claims I owe {$3700.00}. I have no knowledge of the origins of this debt which this company is seeking to recover. The entire account is fraudulent. 

I have contacted Transunion credit reporting agency on multiple occasions to delete the fraudulent account. Transunion has not responded to the original CFPB complaint which was filed on XX/XX/year>. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX has not responded to the CFPB complaint on filed on XX/XX/XXXX. 

Transunion investigation on my dispute I submitted through their company results were valid with no evidence of proof other than the company 's word of mouth considering it to be hearsay. 

No documentation was provided to me on the fraudulent account.
Product: Mortgage

The central issue is that our mortgage servicer, BSI Financial, failed to apply a {$2800.00} payment to our escrow account last year, resulting in a current shortage that will cost us roughly $ XXXX on our mortgage payment to replenish. Multiple attempts to resolve with the servicer have been unsuccessful. 

The attached XX/XX/21 statement contains the relevant details. 

On XX/XX/21, BSI mistakenly emptied many customers escrow accounts, sending us a check for {$2800.00}. It was a bad check that never posted and we were charged a fee by our bank. They continued to issue refunds in the amounts of {$670.00} and {$1900.00}, which we were instructed to deposit and then replace via an escrow only payment online. You can see my {$2800.00} payment on XX/XX/21, which shows as unapplied in the far right column, and then says it was refunded to me on XX/XX/21. I never received this refund, and the amount remains unapplied to our escrow, creating a $ XXXX shortage for the year, dramatically increasing our monthly payment. 

The company insists there is no error, and a new escrow analysis is not required. They have lost {$2800.00} of mine, and are now asking me to repay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up complaint to Case # XXXX. 

I reviewed Experian 's response, dated XX/XX/2019, and it is insufficient, as a matter of law. 

Strangely, you closed this case anyway. 

Re-read my feedback and re-open my initial complaint, BECAUSE I HAVE NOT RECEIVED MY COPY OF THE TWO LETTERS FROM EXPERIAN 'S GENERAL COUNSEL THAT THEIR RESPONSE RELIES ON. 

Said differently, MONETARY RELIEF IS REQUIRED. THAT IS MY POLICY. 

Thus, CFPB can either be an investigator ( and a witness ) or a defendant in my pending lawsuit against Experian. Choose wisely.
Product: Credit reporting or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act XXXX XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX TX XXXX 9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accurdance with the fair credit Reporting act XXXX Account # XXXX, has violated ry rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraoh the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; arCI 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TRANSUNION credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses are XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX. The CORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I am also showing an incorrect EMPLOYER of XXXX XXXX and XXXX XXXX that needs to be deleted. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally address several concerns regarding the handling of my credit report disputes and account access. Your company has consistently denied me the ability to exercise my rights under the Fair Credit Reporting Act ( FCRA ), which guarantees individuals the ability to dispute inaccurate, incomplete, or unverifiable information in their credit reports. 

Specifically, I have encountered the following issues : Denial of Dispute Rights : Your company has refused to acknowledge or process my legitimate disputes, a clear violation of my constitutional and consumer rights. 

Ambiguous Responses : I have repeatedly received vague and unhelpful responses, including suggestions that I am using third-party services to submit disputes. This is entirely inaccurate, and I demand clarity and transparency in your responses moving forward. 

Failure to Provide Account Access : Despite numerous attempts, I have been unable to unlock my online account to dispute information directly. This failure obstructs my ability to review and address discrepancies effectively. 

Discrepancies in Credit Reporting : I have been denied the ability to pinpoint inaccuracies in my credit report due to the lack of proper access and support from your agents.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Mortgage

Was behind on my mortgage. Sent in money before defaulted and Wells Fargo returned the payments and put thr house up for foreclosure
Product: Debt collection

I have contacted Harvest Associates to inform them that they are reporting an inaccurate medical collection on my credit file. I also believe that any company that has given Harvest Associates any information concerning any medical information about me is in complete violation of HIPPA and so is Harvest Associates because I have never given any company permission to share my medical information. Not only that I am a victim of identity theft and do believe that this account is a I direct result of such. I have never done business with Harvest Associates and have never had any obligation that suggest I owe any monies to Harvest or any company that they represent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

JP Morgan Chase Bank has violated my rights as a consumer. After receiving credit from them and making on time payments every month on top of being charged unnecessary fees, Chase Bank decided to pull my credit report without my permission and decrease my credit limit from a letter I got on XX/XX/2024. This decrease happened with no knowledge or request to increase my limit. Chase Bank decreased my account limit from {$3000.00} to {$1600.00}. This has effected my credit score and utilization rate making it hard for me to obtain credit. I received an adverse action letter notice on the same day line was decreased which by law I should have received a letter 45 days prior to them making the decrease on my account. Congress makes it clear that I have a RIGHT TO PRIVACY as a federally protected consumer! Chase Bank has violated and disrespected my right to privacy which is a direct violation of the FCRA and the Gramm-Leach-Bliley Act! I did not consent or authorize for Chase Bank to use or share my nonpublic personal information. They have violated my privacy to their benefit with no benefit to me or my account. Please be clear that no consent or authorization is IDENTITY THEFT! Chase Bank willful noncompliance has resulted in identity theft which I demand to Cease and Desist!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I reported that I have unauthorized inquiries on my credit report : XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have a filed FTC report that I've mailed and faxed to Equifax along with this complaint an they said they VERIFIED that these belong to, but they don't and have a fraud report filed.
Product: Mortgage

We have submitted all the information requested for our loan modification. ( This is my second complaint ). We sent what they said we were missing when they responded to our last complaint.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I went to a Chase XXXX in XXXX XXXX, CA to make a wire transfer of {$230000.00}. The wire transfer was handled by XXXX XXXX banking officers. Several hours letter, I received XXXX emails from Chase to contact them regarding the restrictions placed on my account and also closing of the account. I contacted them immediately to go over the restrictions placed on my account and also learnt about closing of my account. I understand bank has the right to cancel my wire transfer and also to close my account. But Bank has the obligation to do so without causing financial distress to the customer. I had a wire transfer request for {$230000.00} and this was handled by XXXX XXXX financial officers at the XXXX branch of XXXX XXXX, CA XXXX. At no time, I was advised by the bank officials that if the wire transfer does not go through, Bank is going to go through an account closure process which will take XXXX days and the funds will be sent to me by check using US mail XXXX I can not wait XXXX days to get my funds of {$230000.00} and this will cause undue financial hardship. So I requested the bank to remove the restrictions and get my money back immediately and my request was denied. 
I am therefore sending my official complaint with the Consumer Financial Protection Bureau overseeing the rights of the consumers from being unfairly treated by the abusive power of the banks. Holding my funds of {$230000.00} for XXXX days is completely unnecessary and is extremely unfair. I pleaded with them to reverse the bank decision and return my funds immediately, but my plea was declined. 

Sincerely, XXXX XXXX XXXX Chase Acct XXXX. XXXX Ph XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit card or prepaid card

I had been approved for my edd benefits and had issues with my card in XXXX of XXXX. I was locked out of my account for almost a year. When I finally received a new card and thought things were good again in the beginning of XX/XX/XXXX, bank of America kept freezing my card for suspected fraud almost every time I used my card. And now they are requesting me to go into a bank with an id and I don't have an id at the moment because my wallet was stolen and don't have access to my money so I can get a new one. When I asked them the reason for them freezing my account the would not give me an answer
Product: Debt collection

There is a collection that showed up on my Equifax credit report from XX/XX/year> in the amount of {$250.00}. I filed a dispute with Equifax while invoking specific united states codes and Consumer Laws stating that I have know knowledge of this collection as I have never done business with this agency. I asked them to provide proof or generate any sort of contract agreement between me and the agency. All I got were dispute results with an attachment that just listed the collection amount, the name and address of the collection agency, the date and a address that I had deleted from my credit reports because it's address that's not mines. Its was also the same results from other disputes that are supposed to be modified according to FCRA, Consumer Law, and United States Code. 
It seems that neither the Credit Bureaus nor the agencies what to adhere to or abide by the laws put in place. I am not invoking any laws to avoid, break, or get over any debts, bills, or financial responsibilities. I am XXXX want to utilize my credit and identity to benefit as I have a right to.
Product: Credit reporting or other personal consumer reports

I would like to correct my credit report by removing incorrect hard inquiry that is reporting there from XXXXXXXX XXXX XXXXXX/XX/year>. this is inaccurate reporting and i would like it to be corrected.
Product: Checking or savings account

I am writing to report an unauthorized digital checking account opened in my name by Experian, a situation that not only compromises my financial security but also suggests a broader issue with Experian 's account management practices. 

Despite multiple attempts to resolve this with Experian, including through their customer service, the response has been inadequate. Notably, a representative admitted awareness of this issue since last XXXX but failed to provide detailed information or a resolution. This conversation, coupled with similar experiences shared by others online XXXX XXXX XXXX XXXX XXXX ), indicates a systemic problem. 

I urgently request the CFPB 's intervention to : XXXX. Investigate the unauthorized opening of digital checking accounts by Experian. 
XXXX. Ensure the immediate closure of my unauthorized account, with confirmation to me. 
XXXX Review and address the broader issue to prevent such incidents, protecting consumers ' rights and financial integrity. 

Your swift action in this matter is crucial for consumer protection and trust in financial practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$670.00}