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

I hope this message finds you well. I am writing to express my deep concern regarding what I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am referring to the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681 Section 602 A of the FCRA, I have the fundamental right to privacy, which has been compromised in this situation. Additionally, 15 U.S.C. 1681 Section 604 A Section 2 of the FCRA clearly stipulates that a consumer reporting agency can not furnish an account without my explicit written instructions. 

I have diligently attempted to address this issue by reaching out to credit reporting agencies, including XXXX, XXXX, TransUnion, and XXXX XXXX. I have submitted multiple letters expressing my concerns, yet regrettably, I have received no meaningful response. Instead, I have been met with a frustrating cycle of vague explanations, such as " The accounts came back Verified '' or " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. '' To further illustrate my concerns, I have taken the liberty of highlighting discrepancies within my credit report and have attached copies of the letters I have previously sent for your reference. 

I sincerely request your urgent attention to this matter. My rights under the FCRA are of utmost importance to me, and I believe that addressing this issue promptly is essential to ensure the accuracy and integrity of my credit report. 

I kindly request that you investigate this matter thoroughly and provide a detailed response outlining the steps taken to rectify the situation. 

Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution to this concern. 

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

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For Equifax/XXXX/XXXX  & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B CONF # XXXX I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX  XXXX  ACCT : XXXX AMT : {$750.00} XXXX ACCT : XXXX AMT : {$660.00} XXXX XXXX  XXXX ACCT : XXXX AMT : {$860.00} XXXX XXXX XXXX XXXX XXXX   XXXX AMT : {$3900.00} JXXXX XXXX XXXX   ACCT : XXXX XXXX : {$5900.00} XXXX XXXX   XXXX ACCT : XXXX AMT : {$2700.00} XXXX XXXX XXXX ACCT : XXXX AMT :  {$5000.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX   XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2019XX/XX/2019
Product: Checking or savings account

I deposited a check # XXXX in the amount of {$90000.00} from account ending in # XXXX that I hold with XXXX XXXX XXXX XXXX for a HELOC loan that I own into my personal checking account with Bank of America on XX/XX/XXXX. BOA accepted the funds on XX/XX/XXXX and have been holding these funds since then in a " pending '' status as they deemed the check counterfeit. They have since closed all of my personal banking accounts and have refused to release these funds to me that I rightfully own. I have contacted bank of America numerous times over the past three weeks along with representatives of XXXX and a personal hired attorney to provide validation of funds and rightful ownership over these funds. I am suppose to close on a home on XX/XX/XXXX next Friday. BOA is jeopardizing my home purchase and I am in the process of filing a lawsuit against BOA for damages that I may incur should I fault on this real estate contract. BOA has refused to work with me or provide me with any information regarding updates nor have they allowed me to provide any proof or material to show legitimacy of ownership over these funds.
Product: Credit card

I was recently reviewing my credit card statements from my financial institution, and I noticed that I was incurring interest fees for a charge that was refunded, as it was unauthorized which I had spoken with the merchant to resolve prior to even reaching out to my bank. Now recently, I just noticed that I was charged twice for interest fees when there wasnt a valid balance in the first place. The first interest charge was on XX/XX/XXXX in the amount of {$47.00} and the second interest charge was on XX/XX/XXXX and the amount of {$16.00}.
Product: Mortgage

TOO BIG TO FAIL AND CARE We are in our XXXX, after our last child went off to college in XX/XX/XXXX, we decided to downside and move into a smaller place. In XX/XX/XXXX, we paid down on our dream home. This is an XXXX and half bedroom condo in the heart of XXXX -- - ( no car needed ) XX/XX/XXXX, we were informed that BOA had sold their XXXX units to XXXX XXXX, an out of state acquisition company. A meeting was held on XX/XX/XXXX, by the new purchasers. At this meeting, we the few owners were informed that because they ( new owners ) were the majority stakeholders, they could do away with the condo Bylaws. Thus the Bylaws were amended and the new board appointed. 
We were told the following : Sell our units to the new owners at the same price which was given to them by BOA Continue to live in our unit -- -knowing that the building will no longer abide by the condo Bylaws, but instead will be operated and managed as an apartment complex. 
We were also informed that we will never be able to sell our unit on the open market because of the rental average of the building. 
Our condo was purchased in good faith. We 'd everything that was right under the law. The present situation we are in is no fault of ours. The housing market tanked, and BOA did what was best for them -- -sold their units to the highest bidder -- - NOT CARING ABOUT HOW THEIR DECISION WOULD AFFECT THEIR HONEST CUSTOMERS THAT PURCHASED AND HAVE MORTGAGES WITH THEM. -- -- TOO BIG TO CARE. The investors on the other hand needed to realize a profit quickly changed the Bylaws to protect their investment. Who cares about ordinary Americans like us no one? We are the casualty of the housing bubble. We could have walked away them this situation like many other American, but we did n't because we are honest FOOLS.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B a creditor may not treat payment on pa credit card account under an open end consumer credit plan as late any purposes
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 A states I have a 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.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  My wallet was lost that included my drivers license, social security caard, and other forms of identificaiton outside of my house and since then there have been several fraudulent account opened in my name student loans, utilitiy bills, car loans, credit cards, home leases, student loans and I dont know what elese. I have filed a police report as well. I would like for all these items to be deleted from my credit profile. 
The accounts belonging tXXXX XXXX XXXX XXXX XXXX XXXX  need to be removed immediately ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS I AM VICTIM OF FRAUDI am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card

Received charge to XXXX  card on XXXX for airfare with XXXX  XXXX XXXX. The airline plane broke down and could not depart at the agreed upon departure time. It departed 3 hours past the agreed upon paid for time. Please refer to " Dispute Management Guidelines for XXXX  merchants '' dated XXXX of XXXX. This document is published by XXXX. This dispute falls under Condition 13.3, Not as Described or Defective Merchandise/Services . The dispute is valid if the service did not match the description of what was purchased and/or the quality of services was different than what was agreed or the merchant did not perform the service as described. Certainly a departure time of greater than XXXX hours after the agreed upon departure time is a failure by the merchant to provide what was agreed. 

VISA guidelines assume the services were rendered. If the services were not rendered then it is not possible that the services could be classified as not as described. In other-words the service must have been performed before the cardholder could make a determination that they were not as described. 

A dispute was lodged on XX/XX/XXXX. FNBO provided zero response from the merchant so cardholder has no knowledge of what the merchant ( XXXX  XXXX ) even said in response to the dispute. Cardholder has the right to know this. Cardholder has been denied this. FNBO made there own determination without any input from the merchant. 

On XXXX FNBO sent letter stating " though the quality of the services or merchandise provided did not meet your expectations, we are unable to proceed with your claim as the accommodations were utilized. '' Refer back to XXXX guidelines. The merchant would have had to show that the cardholder received services as described for a successful rebuttal to the charge-back. In this case the cardholder has received no explanation from the merchant and the merchant has shown no evidence that the flight departed on time as agreed. 

At time of flight delay I spoke to XXXX  XXXX at the ticketing counter and asked to cancel my flight for a full refund. XXXX  XXXX refused. Pursuant to XXXX guidelines attached a merchant return policy is not valid for services not as described.
Product: Vehicle loan or lease

I have a Retail Installment Contract and Security Agreement with XXXX XXXX that was dated XX/XX/XXXX for a vehicle Make and Model XXXX XXXX XXXX Furnishers are providing information to my consumer report that is false and Inaccurate. XXXX has committed Securities Fraud!

18 U.S. Code 1348 - Securities and commodities fraud. According to 16 CFR 433.1 ( f ) Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof. 
XXXX XXXX was paid out for GAP COVERAGE on XX/XX/XXXX. This was within XXXX hours of me signing the Agreement. In the amount of {$690.00} for a Term of 72 Months. Giving them a upfront payment totaling the amount of $ XXXX this debt is PAID FREE AND CLEAR! This Company Also received payment from XXXX for GAP Cancellation on XX/XX/XXXX in the amount {$120.00}. Also, XXXX Requesting that XXXX XXXX XXXX ( Chief Financial XXXX ) to have my 80 % of the Dividend payments that was received from both the GAP COVERAGE and RETAIL INSTALLMENT CONTRACT AND SECURITY AGREEMENT deposited into My XXXX Within the Next XXXX hours or by XX/XX/XXXX. Theses are Dividend Payments that were made from my Treasury Coupons. AKA the RETAIL INSTALLMENT CONTRACT AND SECURITY AGREEMENT & GAP COVERAGE CONTRACT AGREEMENT. If these requirements are not sufficient, I will be forced to proceed with a Filing a arbitration claim against XXXX XXXX. 
I exercise my RIGHTS to have this Item DELETED IMMEDIATELY. If you dont DELETE SAID ACCOUNT in XXXX business days. You will be in violation of law according to 15 U.S. Code 1681n - Civil liability for willful noncompliance. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a state " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Please, contact me at my email address XXXX to arrange the delivery of My Deposits under this fraudulent credit consumer transaction. Additionally, please mail me confirmation that the credit consumer transaction has been voided and no negative information will be reported to the credit bureaus with respect to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have charge offs that are not factual and accounts that are not mine
Product: Checking or savings account

I sought to open an account with TotalBank. I went through the online process but was prevented from opening an account with a valid driver license, with no reason specified. Thus I am being denied access to a XXXX application for no reason specified.
Product: Checking or savings account

i am a victim of id theft. ive never open this account with BOA
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
I am submitting this complaint against TranSunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX Account Number : ( XXXX ) Disputed Information : there are inconsistencies among the three credit bureaus regarding the reported balance, date of last activity, closed date, credit remarks, and last payment. Furthermore, there are discrepancies in the reported payment history, which inaccurately reflects my payment behavior. 
Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TranSunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Money transfer, virtual currency, or money service

Dear CFPB, I used the Chase online wire payment to send in my escrow payment in XXXX XXXX, XXXX. The escrow company provided the XXXX and account numbers to their XXXX XXXX XXXX escrow accounts. When I typed in the provided XXXX code, Chase 's website automatically accepted and updated the routing number to XXXX XXXX  XXXX routing number. As I continued to type the account number, the system didn't tell me they had converted my XXXX code. I didn't understand the conversion it used and switched to a different XXXX XXXX XXXXXXXX routing number in XXXX. Unsuspectedly, I sent out the wired payment of {$10000.00} USD using the incorrectly converted routing number by Chase on XX/XX/2023 at XXXX XXXX XXXX. Chase did not eject the transaction nor notify me of the conversion. At XXXX XXXX XXXX on XX/XX/2023, I confirmed with the escrow company that they didn't receive the wired money. I went to the Chase Bank branch in XXXXXXXX XXXX. They asked me to call the Chase Wire tracking team and report the issue. I did open the case and asked for the wire to be recalled. They only said they couldn't guarantee the recall of my wife, and I would need to wait until XX/XX/2023 to find out. I didn't have any other choice except I had to agree with their term. My wife and I called back at a later time, but the Chase rep just repeatedly said that they couldn't help us and that we had to wait until the receiving bank did their investigation. My Chase case number is JPM-XXXX My wife and I appreciate help from CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following account : XXXX XXXX XXXX {$100.00} Opened Date XX/XX/2019 XXXX
Product: Credit reporting or other personal consumer reports

Found out there are unauthorized companies reporting inaccurate information regarding Hard inquiries : Us Bank XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a CD with JP Morgan Chase XXXX months ago. My CD matured on XX/XX/XXXX. I received a letter that said if I wanted to make changes, I could do that from XX/XX/XXXX - XX/XX/XXXX. I called on XX/XX/XXXX and they said I could not make changes on that day because I would lose all of my interest accrued. I called back on XXXX and they said I needed to go into a branch. I was not told this in the letter, or on the phone on XX/XX/XXXX. They intentionally make it hard to make changes, but easy to open an account online. I told them I would not be visiting a branch and she is moving the money to my checking account, but they are intentionally making the process difficult. If I let it role over, my interest rate will go from XXXX XXXX to XXXX XXXX. ALthough they won't actually confirm that unless I go into the branch. The letter says current rates, which is the rate showed online. However if I choose a different term, I could get much better rates, but again, they make that difficult to figure out. They should be required to give you the actual rate and you should be able to do this online or over the phone. If you can open an account online, you should be able to close it the same way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX