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

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/year> ] and followed up on [ XX/XX/year> ]. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
XXXX. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
XXXX. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Credit reporting or other personal consumer reports

This debt XXXX  engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX * *Formal Notice and Demand : ** This is my second formal CFPB complaint demanding that XXXX immediately comply with FCRA S 605B ( 15 U.S.C. S 1681c-2 ). You are legally obligated to block all information related to identity theft and fraud on my credit report within four business days after receiving this notice. Ignoring this is not an option. ** Fraudulent Accounts in Question : ** XXXX XXXX XXXX : Account XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00}. This account is fraudulent and unauthorized, severely damaging my FICO credit report due to identity theft and fraud. Despite my first complaint, these false records persist, and your negligence is glaring. Enclosed is the FTC Identity Theft Criminal Complaint ( XXXX ) from the U.S. Federal Trade Commission, verifying the fraudulent nature of these accounts, collections, and inquiries. I demand XXXX XXXX block all identified fraudulent accounts, collections, and hard inquiries from my credit file within the legally mandated four business days. 
Furthermore, you must provide a detailed explanation of your flawed verification process that allowed these errors to persist despite previous notification. Failure to act will leave me no choice but to pursue legal action against XXXX XXXX for non-compliance with federal law and negligence in protecting my identity. This is not a threat, but a promise to uphold my rights. What would be a good resolution? Ensure all correspondence regarding this matter is directed to my email at [ XXXX ]. I expect an immediate, lawful response. Your compliance with the law is non-negotiable
Product: Student loan

I received notice from XXXX ( the originating lender of my student loan ) that my loans were being sold. However, I 'm now paying two companies : XXXX and XXXX. XXXX claims that they own my loan, but when I ask XXXX for documentation, they only provide me with information about the original bill and claim that they are only " servicing '' the loan, which appears to contradict what both XXXX and XXXX have told me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never actually refinance my car with this company but they are showing credit reporting on my fico/ XXXX account. Please remove
Product: Credit card or prepaid card

Hello, I have the Chase Sapphire Reserve Credit Card, mostly because of its travel benefits. I am traveling to XXXX with the card and in order to obtain my visa, I just need a simply letter that says " for the duration of the trip, this person is covered by the Travel Insurance provided by the card ''. 

In XX/XX/XXXX, I called Chase asking for this letter and they forwarded me to their Rewards department. The Rewards department was extremely rude and hostile and told me they could provide me no such thing. 

On XX/XX/2019 I submitted a note through the Chase contact options. I explained what had happened, the fact that I had to pay {$82.00} for a different health insurance policy in XXXX because they would not provide me the letter, in addition to the {$450.00} a year I pay on this card to have benefits like travel insurance. 

On XX/XX/XXXX, after back and forth, I received this email : We apologize for any inconvenience you may have experienced and we understand your concern. 

I'm an account supervisor with the Secure Message Center and will be happy to assist you with your Chase Sapphire Reserve. 

Please be assured we've documented your complaint about your attempts to secure a travel letter and the additional policy. I have forwarded it to the appropriate area of Chase for further review. 

Regrettably, we are not able to reimburse for the additional policy. We base this on the terms and conditions of the Ultimate Rewards program  agreement. 

Please be assured that I have forwarded your concerns to our Feedback Team. This team is in place to review our processes to improve the customer service experience. 
While no immediate changes may be made, we always welcome and appreciate feedback from our customers as it allows us the opportunity to improve. 

A multi-billion dollar company can not reimburse me {$82.00} for a flaw in their policy and guidelines. They then closed the chat so I could not follow-up or ask to work with anyone else, silencing the issue.
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 XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 


XXXX XXXX XXXX XXXX XXXX XXXX  States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have had XXXX experiences with OCWEN Loan Servicing that appear to be related regarding property insurance. My mortgage was structured to have property insurance paid from my escrow account. My insurance company sent a request for renewal to OCWEN to be paid form my escrow account at the time of renewal XX/XX/XXXX. OCWEN failed to pay the coverage and notified me that my property was no longer insured and that I would have to buy property insurance from them. This took several days to clear up. 

I recently sold my property XX/XX/XXXX. I canceled my insurance the day after the closing. Again, OCWEN sent me a letter stating I would have to buy property insurance form them to cover the property, despite having already sold the property and paying off the account. They sent me a certified letter dated 2 months after my property was sold. This is just ridiculous record keeping and the fact that this happened XXXX with their insurance department makes me question the sincerity of a simple miscommunication.
Product: Vehicle loan or lease

I called this company in the past following the purchase of the vehicle to request that the payment date be moved or that the 3rd payment be moved to the end of my contract as advised by my dealership upon purchasing the vehicle. Subsequently I changed employment after a counseling firm of whom I worked for as a contractor was sued by their stockholders and we were not informed. I called the company again to make the same request as they did not honor the previous request stating that I was 'too new of a customer. ' Now the request was being made due to the change in my finances. Although I had begun making two split payments I have not been late that would result in a change of {$160.00} and an additional charge of {$580.00} that Ally denies is on their ledger -- this charge is different from the actual payment of {$560.00} which you will see all three together on the ledge -- I will attach the ledger below if I can. So I CALLED the company again after they refused TWICE to provide me written documentation of the dates and reasons for the Late Fee assessment and the Past Due Amount of {$580.00} that is showing up on their ledger that the representative insisted was not there. When I called the representatives STILL WOULD NOT TELL ME WHY and could not justify an additional charge of {$580.00} that showed on the ledger as PAST DUE. The representative told me " You must be misreading it or you must misunderstood because I do not see what you are seeing. '' I will also attach the snapshot of this document if I can below. As I had previously WROTE to them I do not enjoy speaking directly with representatives of Ally due to the 'mockery ' and 'talking down to their customers ' that they do not seem to realize is present. When asked for the address of the Corporate location to request 'Dispute Resolution ' I was told, " We only have a Default XXXX XXXX and no physical location, but you can have the fax number. '' The documents are attached below of the : 1 ) Charge Ally denies is on their ledger 2 ) My proof that it is 3 ) My proof of the payment and 4 ) My question of why and trying to explain why talking to them is and has always been a very unpleasant experience. There was absolutely no justification or anything that I experienced that justified that I make a FORCED PHONE CALL to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amerassist AR Solution is reporting a collection/chargeoff for {$200.00} on my XXXX XXXX credit file. I have never had applied for credit or owe a balance to this company. I have disputed debt numerous times with a direct dispute and through the credit reporting agencies. This debt has been on my account for 2 years and 7 months. I have requested proof that I owe a debt and have not received any documentation of what I owe or why this item is reporting on my credit bureau. This is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not give any of these banks nor credit unions the permission to run my credit, I have credit monitoring through XXXX, and I noticed that I was getting a lot of inquiries recently. These are fraudulent, please have them removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1200.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$400.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$400.00} ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1500.00} ; XXXX Inquired on XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I have tried previously with this issue with Cash App, and I am trying again. I called and spoke with a representative today named XXXX. She informed me that I should reinstall the app and install it again. After I do this process, click the question mark and answer the prompts. I did this and learned that data is still linked to my personal information. For example, I was able to find my account through a credit card I have that is linked to an account. 
As I spoke to XXXX, I explained to her that another device has been linked to my account the last time I was able to log in, and I saw it was a brokerage account. 
I did create a new account later tonight, yet my identity could not be verified, most specifically my SS number. 
The last communication I had from Cash App communication asked me to mail many forms of my identification without providing a resolution. 
I am a victim of identity fraud with my case number being XXXX at the XXXX XXXX XXXX XXXX XXXX 
There are discrepancies on the report ; yet, it specifies technology fraud.
Product: Checking or savings account

This is in regards to CFPB complaint number XXXX. You marked it as duplicate. This complaint is NOT a duplicate. The complaint is as follows ... 

I have several unauthorized ATM transactions on my PNC SmartAccess debit card. I filed a claim with PNC and it was apparently denied. I called to ask why and they said its because of previous spending pattern. I have no control over how or where a criminal used my stolen debit card. Now, you should also be aware that PNC alerted me to the fraud! They would only do that if the spending pattern was unusual. Now they change their mind because they dont want to honor their zero liability policy. The transactions Im disputing are {$500.00} from XXXX on XX/XX/2018, {$500.00} from XXXX XXXX on XX/XX/2018, {$500.00} from XXXX XXXX  on XX/XX/2018, {$500.00} from XXXX XXXX on XX/XX/2018, and {$500.00} from XXXX XXXX  on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 60 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for Experian to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681.

This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. XXXXx is required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for Experian to remove the still remaining fraudulent accounts that are on my report. They have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete all information which can not be verified.

Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' Experian has had over 60 days to complete these actions.
Product: Debt collection

Phoenix Financial Services is reporting a debt not owed by me for medical debt. I havent been to, seen, or been associated with any kind of medical location ( hospital, clinic, etc ) in the time frame being reported. Originally reported XX/XX/2021, disputed twice through credit bureaus, since company is unable to provide any information related to the original merchant ( account number, name of vendor, date of visit, etc ) was removed but Phoenix placed back on file XX/XX/2021. 

Since the company has been unable to provide any details about the supposed debt owed and continues to put debt on credit file, filing complaint to have government agency review collection agency and its malicious tactics of trying to collect fraudulent debt.
Product: Mortgage

I had this mobile home load with Vanderbilt Mortgage Company, I got the home in 2013 and have been having issues every since, they didn't redo the used trailer like they should have, basically painted over everything, it was leaks in home, dead rats in the wall throughout the house that had a foul smell, the roof split in a room and the insurance said it was nothing they could do. I put the home in XXXX and was told I would only be paying the XXXX principal of the home that Vanderbilt put in the plan, I paid XXXX which would have left XXXX, but Vanderbilt stated that I agreed to pay them the interest which wasn't discussed by XXXX XXXX when I signed the loan contract or I would have never gotten the home. The funds I paid in XXXX Vanderbilt put the majority of the money twoards interest when I have documents from XXXX saying applied to the principal, I just want to get this issue corrected or something be done about the predatory loan practicing, the customer service reps are very rude when it comes to late payments and ect, the worst company to have a loan with.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have applied for a home loan through Guaranteed Rate for a new home loan. I was pre approved very easy. Now that it comes time to actually get the loan I am being asked for all financial information, banking, credit, all card statements, divorce degree that is 17 years old, paperwork on a RV that I must sell, monthly pay stubs, as well now being asked to confirm with a 3rd party for credit cards that I have already sent in statements for. I have been asked to provide more information for this home loan than for anything else that I ever applied for including another home loan. I have required to provide statements for a employer that has been waiting for us to get moved up to Alaska for 2 months now even though there is a employment acceptance letter. I have been told that without the XXXXrd party credit placed being able to verify my balance I will not be approved and if we don't get a signed letter from the new employer that we will be denied loan. I have paid over {$2000.00} out of pocket so far to get a home inspection, and a appraisal done. Once one is thing is done more is being required and we are told it is FHA guidelines.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and noticed a bunch if hard inquiries at Car dealerships and financial companies in Places I haven't given my ID or ss number. I am requesting an investigation that proves I filled out an in-person application to the following credit institutions. 
XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Debt collection

Hello my name is XXXX XXXX XXXX Im having credit problems right now but when I ask for a free annual credir report, I found out that is a PNC credit card under my social security I assume, opened at the year XX/XX/XXXX, I say assume because I arrived a this country in XX/XX/XXXX, also I never had a PNC bank account.