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

I am writing to formally request the blocking and deletion of specific accounts and inquiries on my credit report in compliance with the Fair Credit Reporting Act ( FCRA ) and pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, which has resulted in unauthorized accounts and inquiries appearing on my credit file.

I respectfully request that you block and delete the following fraudulent account : XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$1100.00} Additionally, please delete the following unauthorized inquiries : XXXX. XXXX - Date of XXXX : XX/XX/XXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX - Date of XXXX : XX/XX/XXXX XXXX XXXX - Date of XXXX : XX/XX/XXXX XXXX. XXXX  - Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX - Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX - Date of XXXX : XX/XX/XXXX
Product: Debt collection

Company tried to draft money from my checking account for XXXX. 
Bank caught this and brought to my attention, I denied the charge. XXXX does not take checks. according to form, amount is {$1.00} They have tried to call and have sent several communications asking for my social security number and my pic of my drivers license, which I did not send. 
Send letter back telling them I did know what this charge was for and I don't write checks to XXXX. They have a fraudulent check number. 
I need to have them stop contacting me,
Product: Credit reporting or other personal consumer reports

The Names reported below are a violati my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX THIS IS NOT MY NAME AND I HAVE NO KNOWLEDGE OF AND THEY HAVE VIOLATED my RIGHTS. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, American Express ( AMEX ) report to the 3 credit bureaus that one of my Amex Blue accounts past due every month that I was under Chapter XXXX Bankruptcy to include payments paid on time when the Trustee made disbursement. My bankruptcy was paid in full on XX/XX/XXXX and discharged on XX/XX/XXXX, I called AMEX XXXX XXXX ) on XX/XX/XXXX at XXXX XXXX  EST to dispute the credit reporting. I also file a dispute with XXXX  and XXXX. Both XXXX  and XXXX  responded by mail stating that AMEX was correct. I called AMEX on XX/XX/XXXX at XXXX XXXX  ( 52 min ) to speak to a supervisor. The supervisor said the account was not reported to the credit bureaus but he was looking at the Platnimum which to was paid by the Trustee. The supervisor located the AMEX Blue and saw what it was disputing and said it would be correct in a few days. He marked the account closed on XX/XX/XXXX. Both AMEX accounts were closed XX/XX/XXXX by the Bankruptcy Chapter XXXX. To this day, AMEX has not correct the issue or contact me.
Product: Checking or savings account

I will be eventually mobing my funds from Regions Bank after an attempted emptying of my bank account. I will have to go through the prolonged dispute process again and can only hope the infractionary account is suspended. I have done my best to protect myself, but when people have access to your debit card they will just use it to no avail. I am hoping the process is quicker this time and I can move my remaining funds over to XXXX XXXX. I am unfortunately on probation and the FBI tracks all of my online activity as one of the conditions. I would hope a temporary credit followed by a permanent in due order is expedient to rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this formal complaint to TRANSUNION. I sent them a letter last XX/XX/2022, regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, incorrect late payments, amounts reflected and etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times.15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Mortgage

Homeowner Assistance Package ( loss mitigation ) submitted to Citimortgage, requesting forbearance. I am pending receipt of award letter from Social Security XXXX, which will enable to resume mortgage payments. Homeowner Assistance application was deemed complete on XXXX XXXX, 2016 ; however, suit was filed in XXXX County District Court on XXXX XXXX ( case # XXXX ) - AFTER the Assistance Application was already in underwriting review. 

I have attached a letter ( with attachments from Citimortgage ) that I faxed to the Citimortgage retained law firm, outlining the circumstances as well as the date of Assistance Application completion. Per the documentation from Citimortgage, all foreclosure activity was to cease after the assistance application is deemed complete. Nonetheless, foreclosure procedures were filed 14 days after the loss mitigation package was completed and forwarded to underwriting review. I believe this to be a case of " Dual Tracking '' and in violation of 12 CFR part 1024.41 ( c ). 

I have contacted the Citimortgage Homeowner Support Specialist assigned to my case regarding this foreclosure activity. On XXXX XXXX, I was informed that " there should be no foreclosure activity '' ( see attached email ). I then provided them the case number of the law suit. No other response was received from either Citimortgage or their attorney after informing them of this foreclosure activity.
Product: Credit reporting or other personal consumer reports

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. 
Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above.

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone who has stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act.

Assuming you do not possess such credit report inquiry authorization, I request that you remove the unauthorized inquiry from my credit report ( s ). I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my request.
Product: Credit reporting or other personal consumer reports

This company XXXX XXXX XXXX XXXX is STILL in direct violation of this law. 15 U.S. Code 1692e - False or misleading representations. The Law clearly states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. I never received any communication CERTIFIED MAIL WITH MY SIGNATURE AS PROOF I RECEIVED THIS COMMUNICATION OR ANY ORAL COMMUNICATION THAT HAS BEEN RECORDED WITH MY VOICE AS CONFIRMATION. If you can not produce this communication that was sent certified mail to me or any oral recording with my voice showing I have received this communication you are in violation of this law and this debt from XXXX XXXX XXXX XXXX is reporting inaccurately. 

XXXX has already removed this account off my credit report which makes XXXX and EXPERIAN in violation of the FCRA still reporting this inaccurately Account on my Credit Report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Connecticut XXXX XX/XX/year>XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Missing Credit Score Reporting Dear Equifax, I am writing to formally dispute the failure of Equifax to report my credit score on my credit report for the past three years. 
As a consumer, I have the right to an accurate and complete credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other consumer protection laws such as the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 
It is my understanding that Equifax, as a credit reporting agency, has an obligation to ensure that my credit information is up to date and reported accurately, including my credit score. The failure to do so is a violation of my rights under both federal and state law, and I am requesting immediate corrective action. Furthermore, according to the Consumer Financial Protection Bureau ( CFPB ) and Uniform Commercial Code ( UCC ) regulations, Equifaxs failure to report my credit score as part of my credit file is improper and potentially unlawful. 
I demand the following actions be taken : 1. Immediate Correction : Update my credit report to reflect my accurate credit score, as it has not been reported for over three years.

2. Explanation and Documentation : Provide me with a clear explanation and documentation as to why my credit score has not been reported during this period.

3. Investigation of the Dispute : Initiate a formal investigation into this matter, in compliance with the FCRA, and provide me with the results of the investigation within the 30-day time frame as required by law. 
Failure to address this issue promptly will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring legal remedies to ensure compliance with FCRA and other applicable laws. 
Please consider this letter as formal notice of my dispute, and I expect written confirmation once the errors have been corrected. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian deleted the car hop account that was paid and left the one on saying it was a collection account stating that it was o instead of deleting this like all other credit bureaus and then they put the debt back under a regular late payment account to put the debt I don't owe back on my credit report and I'm getting tired and I am going to take legal action
Product: Credit reporting or other personal consumer reports

Experian has place 3 collection accounts on my report without my permission. The accounts in question from XXXX XXXX XXXX have not been verified. I have not received any information from XXXX XXXX that I have requested to verify the loan. They only sent me their statement. Once I received the statement, I told them that they did not verify the account as I asked for the following.

1 ) The name and address of the original creditor.

2 ) The amount of the alleged debt.

3 ) An itemized statement of the alleged debt.

4 ) Purchase agreement of the debt.

5 ) Insurance Claim of the debt.

6 ) The XXXX  with the original creditor.

7 ) Proof that you are authorized to collect this debt on behalf of the current creditor.

8 ) Verification that this debt is within the statute of limitations.

I have not received anything after 4 months as they can't provide any information. They then placed the records on my credit report which have not been verified and show a past due amount, the date is wrong and the account shows open, which is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my 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 USC 1666B : A creditor may not treat ~ payment on a credit card account under n open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

Serve is a prepaid credit card provided by american express. I've been struggling to use this product for months but it just keeps getting declined for " Fraud Detection '' purposes. I've tried over 6 times to contact Serve and fix this problem but I was unable to connect to a representative. They either drop calls or hang up on you or just can't hear you when you finally connect. I finally gave up on their product only to find that there is no way to close the account except by withdrawing all your money. After creating a product who's only purposes seems to be to keep you from accessing your own money ( by sending false fraud alerts nearly every time I used it ) Serve needlessly creates complex barriers to closing the account and getting your money back. Even though I already have a linked bank account I have to re-link it again to withdraw money. A process that takes 3-5 business days and involves many intricate steps. I could try to spend the money but then I get a fraud alert. I could try calling them but then they hang up. For some reason there is no option to just close the account and send me a check with my money. Serve and American Express have created a predatory product and it must be stopped!
Product: Mortgage

Mortgage Loan Number : XXXX  XXXX Case Number : XXXX I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX FL XXXX. I was a victim of Hurricane Maria and live in XXXX County Florida which was declared a disaster zone. I missed work due to the storm and received a letter from Caliber Home loans regarding payment assistance options. I opted to take advantage of this program due to the loss I suffered in income and damages from the storm. It is my hope that someone can assist me to remedy the awful situation that has ensued.

On XX/XX/XXXX I received a letter which is attached that unequivocally states that I was approved for a Forbearance Plan without any further information or documentation needed from you ( me ). As ofXX/XX/XXXXI have been notified that the Forbearance plan aforementioned was actually not approved and my loan is now delinquent and could be foreclosed. This attached letter was misleading and deceptive and has caused me great distress in my life. I am currently XXXX  and the stress and anxiety associated with your incompetence in handling this matter is causing me great personal grief.

In addition, I am divorced from the co-borrower XXXX XXXX and have been awarded the home in the divorce. This is recorded on public record. No information from him will be given to the lender.

I have reluctantly filled out paperwork for modification. Please help.
Product: Credit card or prepaid card

I went to XXXX store in XXXX XXXX california on XX/XX/2018. They asked if I wanted 10 % off and a rewards card. I said yes. they said they needed my drivers licence. I gave it to them. THEY RAN MY CREDIT with out my permission. Now I have an inquiry on my credit.
Product: Credit reporting or other personal consumer reports

I represented a protected person before Experian as a court appointed guardian. The company was supplied with a guardianship order. Under Indiana Code ( IC ) 29-3-8-5 ( b ) : Every contract, sale, or conveyance executed by a protected person is VOID. Therefore, all transactions, even if claimed to be made by a protected person are VOID. Thus, all conveyance and transactions must be retracted, redacted and sealed. That person is a protected person under IC XXXX. Protected person 's any and all information, not limited to documents, histories entries are also protected ; and must be removed from any and all files, including electronic collection files. The company must not provide and release any information about this protected person to anyone except guardians, her attorneys without a Court Order. Experian was requested to cease and desist contacting the protected ; and not to disclose information of the protected person to any one. Experian failed to act to honor court order and Indiana Guardianship Act. Such acts violated Indiana XXXX XXXX XXXX. Probate XXXX. Experian was repeatedly contacted ; and they failed to provide any information and authorities that would supersedes Indiana Guardianship Act.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I have notice inquiries I have not authorized I called TransUnion to have them remove I took every step to have these inquiries remove an they still appear on my credit report when going to the FTC website to submit fraudulent complaints they redirected me to put an complaint in with you please have TransUnion remove the following inquiries XXXX XXXX dates : XX/XX/XXXX XXXX XX/XX/year> XX/XX/year> XXXX XXXX XXXX  date XXXX XXXX
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian conducted an investigation into items listed on my credit report which I disputed in the month of XX/XX/2019. The investigation was completed according to paper work on XX/XX/2019 (see file# XXXX). In the investigation results it shows items listed below: [XXXX XXXX  - XXXX - Verified as belonging to me] [XXXX XXXX - XXXX - Verified as belonging to me] [XXXX XXXX - XXXX - Verified as belonging to me] [XXXX XXXX - XXXX - Verified as belonging to me] [XXXX XXXX XXXX - XXXX - Verified as belonging to me] [XXXX XXXX - XXXX - Verified as belonging to me] [XXXX XXXXl - XXXX - Verified as belonging to me]I have contacted each one of these companies for verifiable data which neither has been able to supply to me and I've asked Experian to complete a fair and thorough investigation into the matter and they have provided me with bogus results stating everything is verified. I then sent a Method of Verification letter on XX/XX/2019 which was CONFIRMED received on XX/XX/2019 to Experian exercising my rights under FCRA 611(a)(6)(B(iii) to provide me with proof they completed a thorough investigation properly and not via XXXX system and requested them to provide me with the description of the procedure used to determine the accuracy and completeness of the information. Name, Address, and telephone number of each person contacted regarding these alleged accounts. Finally, any documentation provided bearing my signature, showing I had a legally binding contractual obligation to pay them and exact amount claimed. As a result, I haven't received anything regarding my request which is against my FCRA rights. I have attached all documentation backing up my claim for your review CFPB.
Product: Checking or savings account

am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. My account was closed due to these issues.This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. 
I want the CFPB