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

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. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

Two money transfers were sent via money transfer to a bank account overseas. The money never arrived to the intended recipients. After numerous attempts to resolve the situation and get a refund, they promised to resolve the situation within 24 hours but failed to do so. I submitted my complaint almost 2 months ago.
Product: Mortgage

This complaint is closely related to the previous under # XXXX in which Citizens Bank provided fraudulent response. Therefore, in this complaint there are two issues : 1 ) " floating '' interest rate on our credit line secured by our residence is closely related to the Federal Reserve interest rates. Federal Reserve currently reduced interest rate to '0 ' but Citizen 's bank did not reduce its interest rate on our credit line at all, not even for a quarter of percent. Their claim that " new rate of 2.5 % will begin after the XX/XX/2020 was a fraud. The rate is still 4 %. 2 ) Citizen 's bank failed to explain the reason of why the interest for XXXX was {$130.00} and interest for the following month increased to {$140.00} although {$1300.00} was paid towards the principal. No any computation to justify that interest was provided! CFPB should not accept fraudulent responses by the bank!
Product: Credit card

Summary of Complaint : I am filing this complaint regarding Bank of America 's handling of a chargeback dispute ( Claim # XXXX ) for a transaction made on XX/XX/XXXX with XXXX XXXX XXXXXXXX for {$800.00}. I purchased an electric scooter, which was marketed as a sale of an existing product, not as a typical crowdfunding pledge. Despite this, the bank denied my chargeback request on the grounds that XXXX operates as a crowdfunding platform. 

Key Points of Concern : Misrepresentation of Transaction : XXXX XXXX XXXX promised 100 % delivery for every purchased perk and ensured regular updates on delivery schedules, clearly implying a sale rather than a donation or speculative crowdfunding pledge. 

Non-Delivery and Lack of Communication : Since the purchase, I have neither received the product nor any tracking information. My attempts to contact the merchant have been met with no response. 

Product 's Retail Availability : The scooter was already available in retail stores at the time of purchase, which further validates my expectation of this being a regular purchase.

Bank 's Decision on Chargeback : Bank of America denied my chargeback request on XX/XX/2023, categorizing the transaction as a donation under crowdfunding, which disregards the nature of the transaction as presented by XXXX XXXX XXXX
Product: Mortgage

I have completed my loan modification conditions to take my loan out of forebearance but the incompetencies of Freedom mortgage has my loan still tagged as in forebearance. I have been waiting for 4 weeks to get paperwork to sign and notarize in order to complete the terms of the loan modification but I just found out today that the paperwork has still not been completed. I was told by the agent at Freedom mortgage that I should have received these documents about 3 weeks ago. I am tired and frustrated of receiving phone calls from Freedom Mortgage asking if I was ready to take my loan out of forebearance when i've already completed the conditions to get out of forebearance. This complaint is solely to get their attention in order to complete my loan modification in order to get this off my credit report and show that my payments are current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is continuing to report a debt as verified. This debt is an open fraud case with law enforcement and open case with nys public service commission ( as regulatory agency for original creditor XXXX ). This has been deleted off of transunion and XXXX. Experian keeps reporting information that is identity theft. 
Alleged debt is : XXXX XXXX XXXX. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I write to complain about the Facially False data reporting of my Account at XXXX XXXX XXXX which account was reported as Closed At Consumers Request on and before XX/XX/2023 but between XX/XX/2023 and XX/XX/2023, such CLOSED at Consumers Request REMARK CODE was REMOVED which now inaccurately reports my Closed account as OPEN in willful violation of the FCRA and Metro 2 protocols. Once an account is Closed, controls to prevent reporting it as OPEN were required to prevent Facially False Data from forever reappearing similar to preventing a dead person from coming back to life which is impossible. CRAs had data which should have prevented the later changing my account to OPEN. Both furnisher and violating CRAs are liable for statutory damages of {$1000.00} for each and every FCRA willful violations. I previously complained about failure to promptly report my Account as Closed and now after finally reporting my account as closed, Furnisher willfully reported it again as OPEN by removing the CLOSED remark. Idiots. Parrots. Bots. Make my day by continuing to willfully violate the FCRA. I now demand punitive damages for repeated violations including reporting Facially False Data.
Product: Debt collection

Received a notification from XXXX  that Commonwealth Financial Systems has flagged my account for collection. Upon logging in and reviewing the information submitted to all three credit bureaus by Commonwealth Financial Systems, I assert this company is attempting to collect a debt that does not belong to me. I have not been in the emergency room during the times they allege the debt was incurred. I have attempted to dispute this debt, but each time I dispute it, they fail to remove the information while it is being investigated, they fail to provide me with proof the account is mine, and update and refresh the reported information to appear as new within days of the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I will get an insurance quote for auto insurance my quote is extremely high. I have no traffic violations or claims. My agent informed me that it could possible be my credit score. I received my free credit report a couple of weeks ago, and notice there were many items that I never applied for. I need these accounts and items removed. 

XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$660.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$760.00}
Product: Debt collection

XXXX XXXX is reporting a debt that needs to be deleted right away. I did not owe the debt and it is inaccurate. XXXX inaccurately charged me and the matter has been resolved with them. There was nothing owed and this is acct is false!! I requested that XXXX XXXX remove yet they failed to accurately review and resolve the matter. There was a transfer of responsibility from my old act ( old act # XXXX ) to my wife 's ( new act # XXXX ). Nothing should have changed yet XXXX failed to do properly make the changes. They eventually figured this out and gave me a credit to our new acct. While I was disputing this charge with XXXX, there should not have been any reporting to the bureaus. I paid the acct while the dispute with them was active in order to ensure that there was no credit report issues. Instead of clearing up this mess, XXXX made more of a mess. Ultimately they realized their mistake and provided a credit to my new acct for the amount that I paid ( {$130.00} ). They screwed up a simple task of transferring acct ownership from me to my spouse. In short, I never owed them anything and my acct which is now my wife 's acct is paid as agreed with no delinquencies. XXXX XXXX need to delete this account Immediately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Early Warning Services Consumer Assistance XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Demand to Stop Reporting Fraudulent Accounts to my Consumer Report Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a serious matter concerning the reporting of fraudulent accounts to my consumer report by Early Warning Services. Specifically, I have discovered fraudulent accounts associated with XXXX XXXX and XXXX XXXX XXXX, which have been incorrectly linked to my identity. 

I find it alarming that these fraudulent accounts have been reported to my consumer report, and I hold Early Warning Services responsible for any adverse impact this may have on my creditworthiness and financial reputation. These accounts have been established without my knowledge or consent, and I have taken immediate action to address this issue. 

Firstly, I have filed a formal complaint with the XXXXXXXX XXXX XXXX, providing them with all relevant information regarding the fraudulent accounts. Additionally, I have reported this incident to the Federal Trade Commission ( FTC ) and have obtained an Affidavit of Identity Theft, which I am attaching to this letter for your perusal. 

In light of the seriousness and potential legal implications of this matter, I demand that Early Warning Services promptly cease reporting these fraudulent accounts to any consumer reporting agency. I request that all references to these accounts be removed from my consumer report, and that any information pertaining to them be expunged from your records. 

Furthermore, I expect Early Warning Services to undertake a thorough investigation into how these fraudulent accounts were able to be linked to my identity. I urge you to take all necessary steps to rectify this situation, including but not limited to contacting the respective financial institutions involved to ensure the immediate closure of these fraudulent accounts. 

Failure to comply with this demand within 30 days from the date of this letter will leave me no choice but to take further legal action to protect my rights and seek appropriate remedies. Given the seriousness of this matter, I am prepared to pursue legal recourse to the fullest extent allowed by law. 

I trust that Early Warning Services will handle this issue with urgency, professionalism, and the necessary care it deserves. I expect prompt communication from your side to acknowledge receipt of this letter and to provide me with updates on the actions taken to address my concerns. Please direct all correspondence regarding this matter to the contact information provided above. 

Thank you for your immediate attention to this matter. I look forward to a prompt and satisfactory resolution. 

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

XXXX XXXX is reporting XXXX late payments on my credit report. I was never late. When I contacted XXXX XXXX I was told that it was a mistake with their company. The only way to fix it was to submit a dispute with all 3 credit bureaus. Each time I submitted a dispute with all 3 bureaus, it comes back as verified as correct information. However, when I spoke with XXXX XXXX, the company stopped reporting my payments late, however, they have not removed the late payments after I sent the dispute to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX. XXXX Account # XXXX. XXXX Account # XXXX. XXXX XXXX Account # 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 Section604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry to my consumer report. On XX/XX/2021 Santander consumer USA obtain my XXXX consumer report without my authorization or a permission. I do not recognize this inquiry or any accounts with this company that is listed on my credit report,
Product: Debt collection

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately reinvestigated. These inaccuracies are highly injurious to my credit rating
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Transunion. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX  XXXX # XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Account Number : o TransUnion : XXXX o XXXX : XXXX o XXXX : NONE Inaccuracy Noted : Incomplete visibility in the screenshot prevents a full comparison of account numbers. 
XXXX. Balance : o TransUnion : {$6900.00} o XXXX : {$6900.00} o XXXX : NONE XXXX. High Credit / Credit Limit : o TransUnion : High Credit : {$6700.00} ; XXXX XXXX : {$5700.00} o XXXX  : High Credit : {$6700.00} ; Credit Limit : {$5700.00} o XXXX : NONE XXXX. Past Due : o TransUnion : {$0.00} o XXXX : {$0.00} o XXXX : NONE XXXX. XXXX XXXX : o All show as Collection/Charge off, which is consistent. 
XXXX. Last Reported : o TransUnion : XX/XX/XXXX o XXXX : XX/XX/XXXX o XXXX : NONE XXXX. Comments : o TransUnion : Charged off as bad debt. Dispute resolved ; reported by grantor o XXXX : Account was in dispute- now resolved - reported by subscriber. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active & Date of Last Payment : o TransUnion : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXX o Experian : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXX o XXXX : NONE Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ]. 
I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 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 The following inquiries are unauthorized : On XXXX XXXX 2019, XXXX XXXX add a hard inquiry on my credit reports.

On XXXX XXXX 2019, XXXX add a hard inquiry on my credit reports.
Product: Debt collection

Contacted family members ( parents as well as siblings ) threatening legal action against me.
Product: Debt collection

On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last date this account was reported was on XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account has passed. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for their failure to respond to a dispute letter I mailed on XX/XX/year>. The dispute letter requested an investigation into inaccurate items on my credit report. I sent the letter via USPS certified mail, tracking number XXXX. 

In addition to disputing the inaccurate items, I also challenged the incorrect personal information listed on my credit report. According to USPS tracking, the letter was delivered to Experian on XX/XX/year>. Despite my detailed and valid request, Experian has failed to provide any investigation results. More than 30 days have passed since the delivery of my dispute letter, yet I have not received any communication or resolution. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Experians inaction and failure to respond to my dispute appear to be a direct violation of this requirement and deny me my consumer rights. 
I am including a copy of my dispute letter sent to Experian and the USPS certified mail proof of delivery as evidence to support my claim.
Product: Debt collection

They call me practically every day saying how irresponsible I am, once I stopped answering and blocked their calls they then began to call my Mothers and Aunts phones.
Product: Debt collection

The original creditor which is XXXX has placed this on my credit report 2years ago with a collection agency called XXXX, XXXX in XXXX I disputed the account it was investigated and removed from my reports, now XXXX it is back on my report by another collection agency by the name of Enchanced Recovery collections. If this was investigated and removed from my reports they should not be able to see it and placed on my account again this is causing a real hardship in my life. It is very stressful and it causes so much stress in people lives to have to keep dealing with this kind of head ache. I have never received any documentation from XXXX or enchanced recovery. But I do have proof that it was on my account in XXXX and did not show up on my XXXX credit report again until now XXXX. XXXX. Please have this removed off my reports immediately. I will also be filing a report with theXXXX XXXX XXXX
Product: Debt collection

XXXX XXXX keeps calling me even though Ive repeatedly asked her to stop. Im disputing the charges she claims I owe. I get daily/weekly calls from her stating Contact me or any of our representative at XXXX thank you hi this is XXXX XXXX calling from credit management please contact me or any of our representative at XXXX thank you
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding unauthorized inquiries on my credit report by XXXX, TransUnion, and XXXX. It appears that these inquiries were made without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b.

The FCRA outlines permissible purposes for consumer reports, and one of these purposes, as stated in 15 U.S. Code 1681b ( 2 ), is to furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. Furthermore, under P.L 90-321 ( 82 Stat. 146 ), which supports the FCRA, stricter provisions are in place to ensure that consumer reports are only obtained in response to specific requests authorized by certain government agencies.

I have not provided written consent for these inquiries, nor have I authorized any entity to request my credit report for the purposes for which these inquiries were made. As such, it appears that XXXX, TransUnion, and XXXX have violated the FCRA by furnishing my consumer report without my written instructions or consent. 

I would also like to bring your attention to the Privacy Act of 1974, particularly 5 U.S. Code 552a ( 4 ), which defines the term " record '' as any item, collection, or grouping of information about an individual maintained by an agency. This includes, but is not limited to, information about the individual 's education, financial transactions, medical history, and criminal or employment history.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address these unauthorized inquiries. Enclosed with this letter, you will find copies of relevant documents, including my credit report reflecting the unauthorized inquiries.

Thank you for your prompt attention to this issue. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure that my rights under the FCRA are protected. 
XX/XX/XXXX
Product: Bank account or service

I have been having an ongoing issue with Chase bank. Chase bank closed my account and applied overdraft fees to my account. After doing further research I reminded them that I have always refused their " overdraft protection '' and it would have been impossible for my accounts to have accumulated overdraft fees. After inquiring about these fees, I was sent a very intimidating letter offering me a settlement to pay off the fees at a discount, and threatened that I would never be able to open an account again, as well as threatening to harm my credit. Chase is practicing illegal banking procedures and I want to sue them and hold them accountable for their actions.