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

I am submitting a complaint regarding the ongoing inaccurate reporting of several accounts on my credit report, which were a result of identity theft and a data breach. Despite filing an FTC report and providing supporting documentation, including a data breach confirmation and an affidavit verifying my identity, these fraudulent accounts continue to be reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and delete any accounts resulting from identity theft within four business days of receiving notice. Additionally, FCRA Section 604 ( 15 U.S.C. 1681b ) mandates that a valid permissible purpose is required to access or report credit information. The following accounts were fraudulently reported without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were obtained or reported without my knowledge and violate FCRA guidelines. I request the immediate deletion of these accounts within four business days to comply with federal regulations and to prevent further harm to my creditworthiness. The credit bureaus must ensure compliance with FCRA provisions and take corrective action immediately.
Product: Checking or savings account

At the end of XX/XX/XXXX, my mother ( age XXXX and XXXX ), and I opened a " XXXX Checking Account '' at Bank of the West. During the period that we had this checking account we took advantage of the Bank 's Bill Pay Service ( " BPS '' ). While the BPS was active we were charged many hundreds of dollars in " courtesy fees ''. Initially, these fees went unnoticed. However, by XX/XX/XXXX the annual statement shows fee charges of {$2000.00}. 

The Bank of the West operates under a fiduciary duty to their customers. Fiduciary duty means that the Bank has a duty to place the customers interest before the interest of the Bank of the West and its stakeholders. In our case the Bank has successfully avoided its fiduciary duty by programming their computers to charge customers a XXXX to XXXX XXXX dollar Courtesy Fee without prior notice, without cap, and without conscience. 

The annual fee charged by Bank of the West during XX/XX/XXXX was nearly twice the amount that my mother receives monthly. Meaning that the Bank has stolen two of her twelve monthly Social Security payments. This behavior is simply unconscionable when dealing with a customer who is senior citizen on a fixed income. 

I closed this account after learning of the excessive and unstoppable fee scheme in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Errors showing late payments were found on my credit report. Please resolve these and update the file.
Product: Credit card or prepaid card

I opened a checking and savings account in 2019 with Chase Bank, but both accounts were closed without any explanation to why my account was closed. XXXX, I applied for mortgage, I was denied as well even though I have a fantastic XXXX XXXX. XXXX XXXX had a promotion for their XXXX XXXX XXXX card, so I applied. I was unaware the credit card was financed through Chase Bank. I applied through XXXX XXXX website. Initially, I was approved for a credit limit of {$25000.00} due to my credit score. Unfortunately my credit card account was closed later when I tried to make my 1st installment card payment. I called Chase to find out why my account was closed. There was no explanation to why my account was closed. I can only suspect that I have been blacklisted from this bank. If my suspicion is accurate, then it is only fair to know why!!!!
Product: Credit reporting or other personal consumer reports

I am filing a formal and urgent complaint against XXXX XXXXXXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) by not properly validating and verifying an account listed on my credit report. The reporting of this inaccurate and unverified account has caused severe damage to my credit score and financial standing. As a result, I have experienced significant hardship, including difficulties obtaining credit, higher interest rates, and considerable stress. The actions of XXXX XXXX have caused undue harm to my financial reputation and stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for this account, i didn't receive any benefits. I believe, that somebody used my personal information.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.
Product: Credit reporting or other personal consumer reports

There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX  XXXX XXXX Credit card account which erroneously shows up on my credit report. It has nothing to do with me and I am not associated or authorized on this card. It was evidently opened in XX/XX/1999 in the names of XXXX XXXX and XXXX XXXX. There is a running balance of close to {$6000.00}. I have verified by phone with XXXX  XXXX XXXX that my name is not associated with this card - and I am NOT an authorized user. I have also verified this in writing with the card holder XXXX XXXX. 

Despite my having disputed this card account with Experian, I was not able to get an accurate/favorable resolution. Experian says that they cant do anything and it will stay on my credit report - even though I have never had this card and I am not associated with it in any way. 

Because of this, I was not able to qualify for the recent refinancing of my home. I spent six hours on the phone with Experian and XXXX  XXXX XXXX to resolve this, but Experian refuses to do anything. All of my credit card accounts have a zero balance or are paid in full monthly. This card with XXXX  XXXX XXXX has a high running tab - which evidently is used for XXXX XXXX College Expenses. 

Please help me get this taken off of my credit report. No other credit agency includes this card. It is an erroneous inclusion by EXPERIAN.
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed personal information as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. I want to ensure my information is reporting accurately. Please remove urgently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this account.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my DISCOVERBANK XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes however when I attempt to review the disputes, I receive a message advising that I am not able to review my credit profile.
Product: Debt collection

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Fair Collections and Outsourcing for their unjust practices in reporting inaccurate information on my credit report. This company has never validated the alleged debt they are attempting to collect, yet they continue to report this information on my credit report, violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

The debt in question has never been validated by Fair Collections and Outsourcing, despite my numerous requests for verification. Furthermore, I have received no documentation proving that they have the legal authority to collect or report this debt on my credit report. Their actions not only harm my creditworthiness but also violate the FCRA, which mandates that debt collectors provide accurate and verifiable information to credit reporting agencies.

This inaccurate reporting is adversely affecting my financial standing and causing undue distress. I have made diligent efforts to resolve this matter with Fair Collections and Outsourcing, yet they have failed to provide any satisfactory resolution or evidence validating the debt.

I request that the CFPB thoroughly investigate this complaint and take appropriate action against Fair Collections and Outsourcing for their violations of the FCRA. Additionally, I urge the CFPB to ensure that this inaccurate information is promptly removed from my credit report to prevent further harm to my creditworthiness. 

Enclosed with this letter are copies of relevant correspondence with Fair Collections and Outsourcing, as well as documentation highlighting the inaccurate reporting on my credit report. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action to address this issue and protect consumers from unfair debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft please remove this fraud inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Payday loan, title loan, personal loan, or advance loan

Texan credit borrowed XXXX wan na charge me more then double need it fixed on my credit or deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having difficulty contacting XXXX. I've mailed in documents, got not response, called inquiring, and was greeted by a representative outside of the united states who of course couldn't locate my disputes. I've tried XXXX upload but it just times out every single time i try. I refuse to contact Transunion by phone again, although the rep was trying to be very helpfully, the call center was located in XXXX and the language barrier was too much to deal with, and i wasn't comfortable giving my information out to possible be exposed again. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. PLEASE HELP. PLEASE RESPOND TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX  as well as the bureaus to remove these lates however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter XXXX, Transunion, and XXXX  on XX/XX/2020 asking them to remove the inquiries i don't recognize. They didn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

Information on hard inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX a letter from XXXX stating no service of loan ... I never had a mortgage or inquired I called XXXX XXXX said it is over the posting time on my report and readmit a dispute toCFPB 1. remove 2. I never inquired with XXXX XXXX XXXX. I am a victim of Identity Theft 4. Police reports have been filed. 

Time period on hard inquiry is past, rep said remove accordingly to the law
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX XXXX XXXX - OPENED ON XXXX  - XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX- OPENED ON XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX  - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX HAVE FRAUDULENT INQUIRIES FOR THE FOLLOWING DATES XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made on time payments for years never have been late because student loans were in deferred. I am currently a couple years up current but I ask that these late payments be immediately removed. This account number is XXXX name of account is XXXXDept of ed
Product: Credit reporting, credit repair services, or other personal consumer reports

All negative adverse accounts placed on my report is causing me mental anguish. I never gave any authorized consent to report anything adverse on my consumer report. They violated Title 15 USC 1681b. They reported negative things without asking me for permission to do such atrocities.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX XXXX and I am the one generating this statement. Per 15 US Code 1681-2 ( a ) ( a ) & 1 ( a ) ( c ) and 15 US Code 1681-B of the FCRA, the accounts listed in this report should not be presented on my consumer reports as they violate my rights as a federally protected consumer According to the codes listed above, the summarize that it is non-permissible for a credit reporting agency to report anything under any circumstances, without my written consent and contractual agreement. No consent constitutes identity theft. I am exercising my rights and demanding immediate removal and deletion of the listed accounts immediately. Additional Unauthorized Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

For over twenty four months i have been disputing the completeness and accuracy of the accounts listed below which is inaccurately reporting on my credit file in a very negative manner.

Yet the CRA 1. fail to provide information requested, 2. failed to correct, 3. and failed to delete and remove the disputed accounts.

Instead they sent me notices of deletions, yet the account and inaccuracies remain on credit report ( see the attached exhibit ) they change the name of the Bank as well as other information. 

For example : XXXX report # XXXX shows XXXX XXXX XXXX then XXXX  saving in other instances. 
Experian report # XXXX shows the item deleted 6 times yet it still remains on my credit file with a different name same account number. see the attached XXXX report showing the above deletion XXXX different times Deletion dates per XXXX file : for the same account XX/XX/24 see file attached XX/XX/24 see file attached XX/XX/24 see file attached XX/XX/24 see file attached XX/XX/24 see file attached XX/XX/24 see file attached Please include me in your class action claim against this company ; and require deletion of all disputed items. 

See the numerous disputed submitted as proof. the disputed inaccurate accounts are ; XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX all disputed items must be deleted at this point
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of account that is still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/2021
Product: Debt collection

I am a real person with federally protected consumer rights that you are required to follow under FCRA. 

XXXX Preferred Credit account is inaccurately being reported as late for the month of XX/XX/2022. I have had this account for 3 years and have never missed a payment. Information systems are not always accurate as consumer case law has proven. I am a XXXX XXXX and this inaccurate info is hurting me. Can you please improve this reporting the paid as I was paid and I have never been late. Why be so stubborn and committed to dishonoring my request for a fair reporting? I should be honored as a loyal paying client. Much larger companies have been more fair and ready to correct inaccuracies. Please be reasonable. It will be greatly appreciated. 

Please I am begging you to consider that the system can be in error and an removal of the late payment record is in order.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Product: Credit card or prepaid card

On XX/XX/2021 I made a purchase of lottery tickets in the amount of {$90.00} and in the same day of another {$10.00}. This was done at a convenient store near my house. I checked the history of my account as I usually do through the on-line banking and noticed 2 separate fees of {$15.00} each coded as " cash advance '' fees. I immediately contacted customer service on XX/XX/2021 and the representative explained the reason why I was charged was due to the convenient store running the card as a " cash advance ''. I have never used my card as a " cash advance '', and specifically on XX/XX/2021 I used it to purchase those lottery tickets. I asked for the fees to be refunded but I was further instructed to call the store and ask of their policy on lottery tickets purchased on a credit card. I went to the store in person and spoke to the owner, who was completely unaware that a cash advance fee would be charged to my credit card. There were no signs in the store posted regarding a fee that may be charged or to check with the credit card company for further guidance. My wife who is an authorized signer on my account called FNBO customer service and requested to speak to a manager. She spoke to XXXX ID # XXXX who said that the fees are non-negotiable and unfortunately she can not refund cash advance fees. Our FICO score is over XXXX, we pay our balances in full every month and we asked to have the fees refunded as a courtesy. XXXX XXXX explained that there isn't anything she could do and we would have to pay those fees. She also explained that we should read the terms and conditions of the account for cash advances.
Product: Credit reporting or other personal consumer reports

It is not belong to me. It is fraud! This is causing me a lot of stress and XXXX.