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

I disagree with the account listed below which still appears on my credit report even after your investigation. i would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccordance with The Fair credit reporting Act Public law XXXX Title VI Section XXXX, Subsection A-D Please provide the names and business addresses of each individual with whom you verified the above so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Checking or savings account

Someone accessed my Savings account from Credit Karma and transferred funds to my Checking in the amount of {$1800.00} Per the Credit Unions records numerous attempts were made from XXXX XXXX  on XXXX XXXX and they were successful by XXXX XXXX  on XX/XX/year> Had I not called the bank by intuition I wouldn't have caught it and put a stop. 

I can not reach a live person through Credit Karma to get further information I also had a transaction through my other bank by XXXX aka XXXX for {$12.00} and it would be a repeated charge, I was able to get that reversed Obviously there is problem and someone somewhere has accessed my information and I don't know what to do
Product: Credit card

After years of trouble free credit card usage, approximately four months ago Union Bank of California changed its XXXX credit card service from XXXX to a Union Bank based service in XXXX. With every statement since then, I have been charged interest in contradiction of the " grace period '' provision of the account service agreement as the outstanding account balance has been paid on time and in full as it has been set up to autopay from my Union Bank checking account. I have called to complain with each new statement and have had the charge successfully reversed each time and have received assurances that the problem was an oversight and etc. The conversations have been of the " boiler room '' variety with nonsensical and clearly false information being provided to me. The issue seems to me to be that the card provider is trying to catch people who do not carefully look over their credit card statements. A bank employee who I talked to about the issue said that the same thing was happening to him. I hope you can investigate and induce them to correct this practice.
Product: Credit card

XXXX XXXX  store credit card taken out in XXXX with promotional 0 % interest. Account paid off in full by end of promotional period in XX/XX/XXXX & account requested closed XX/XX/XXXX, via phone call to them confirmed closed. XX/XX/XXXX annual fee assessed and charged after two years of non-activity & online account was re-activated, no statements prior to XX/XX/XXXX are available although they are showing in the messages with the link to last statement in XX/XX/XXXX and prior statements.
Product: Credit reporting or other personal consumer reports

Equifax I am writing to address the timeline provided in your response regarding my credit dispute submitted via the CFPB. You stated that it may take up to 60 days to resolve my dispute, which is unacceptable and violates the timeline prescribed by the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, credit reporting agencies are required to complete their investigation within 30 days, or at most, 45 days if I provide additional information after submitting the dispute. I have not provided such additional information, and therefore, your investigation should be completed within the initial 30-day period. 

This delay is unacceptable, and if you fail to meet the legal deadlines, I will be left with no choice but to pursue further legal action for non-compliance, including filing a lawsuit for FCRA violations. 

Please confirm in writing that you will adhere to the legal requirements and resolve this dispute within the mandated 30 days from the date of my original submission. I expect a prompt resolution to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Date of Last Activity is reporting inconstantly across all XXXX credit bureaus. If this account was properly verified all information should be reporting the same. 
XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX Inquired on XX/XX/XXXX company caused a hard inquiry CREDIT ACCEPTANCE Inquired on XX/XX/XXXX company caused a hard inquiry. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX company caused a hard inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 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 instructions According to 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

While checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 30 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My next step is to file a suit against the credit reporting agencies, XXXX  and XXXX  to be exact. They are continuing to add to the initial fraud inwhich one has done to me. Their investigation continuously come back with the same results, verified, but never once providing me with any proof. This is my last request for you and your companies to block the following from my credit report ... .1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX {$56.00}, {$52.00}, 4 ) XXXX XXXX XXXX 5 ) XXXX 6 ) XXXX XXXX
Product: Debt collection

I was contacted in the past regarding debtfor someone otherthan myself. Allied Interstate was informed that I was notthe owner of the debt nor did I know them but the multiple dailycalls have continued.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has an address on there that does not belong to me. I've spoken to an agent three times and also sent a fax requesting the correction to be rectified three time on XX/XX/XXXX, XX/XX/XXXX, and also XX/XX/2018 along with document of my driver license and social security card and yet the information has yet to be corrected. In fact, the correct address was deleted and the incorrect addressed remained after the first fax request which prompt me to send out additional request for the correction. After speaking to 3 different agents along with sending 3 fax request you would think the information would be rectified promptly!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied several checking accounts due to information that I believe to be related to identity theft on this report. When I requested a copy of the report on XX/XX/2019 I was told that i did not pass the authentication with the operator even though I supplied them with an address that I have resided at for over 4 years. I was then told to go online to print out a request then mail it in and that from the time they receive it to give an additional 15 days to receive the report. Due to the sensitivity of this issue potentially being an identity theft issue I feel as though this matter should have been escalated to prevent any further harm being done to me.
Product: Checking or savings account

I'm trying to open a bank account on truist bank, they told there is a fraud report on my account, I didn't open no account my last major bank was XXXX
Product: Debt collection

I was offered a settlement amout of {$700.00} on a bill in the amout of {$1000.00} from XXXX XXXX, phone numXXXX, which I paid on XX/XX/XXXX. I have called them on these dates:XX/XX/XXXX, spoke with XXXX XXXX,XX/XX/XXXX, spoke with XXXX XXXX/XX/XX/XXXX, spoke with XXXX XXXX & XXXX XXXX XX/XX/XXXX spoke with XXXX XXXXXX/XX/XXXX spike with XXXX XXXX, XXXX spoke with XXXX XXXX XXXX they have all told me that I will be receiving my receipt for my.settlement payment of {$700.00}. To date I have receuved nothing but a bill for the remaining balance from XXXX XXXX ( which was their client ), that was the bill I owed to XXXX XXXX. All I keep getting is the runaround every time I call. I have also called XXXX XXXX and again I am getting no where. I 've been told by Convergent that the letter has been expedited and emailed to me. Every time I call I am being told give it 7 more business days. Can you PLEASE help me.
Product: Checking or savings account

The case is about refund of XXXXmonth wrongly charged monthly account maintenance fees of {$320.00} by Bank of America XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, OK XXXX. The branch actually wrongly charged me for the fees of XXXX-month ( for the period from XX/XX/XXXX to XX/XX/XXXX ), and didn't deny the errors it made, but only refunded me for XXXXmonth fees charged to me for current year ( Year XXXX ), saying its computer system only allowed them to make current year corrections. After I talked with several branch officers, including XXXX XXXX, the financial center manager, they said their internal investigation of my case was completed, and refuse to pay me the rest XXXXmonth wrongly charged fees. I disagree with the branch 's decision and hope your bureau can help me to get my money back.
Product: Checking or savings account

I received a debit card in the mail from ( Square XXXX ) requesting me to activate the card I never opened an account, requested a debit card, or had any contact with this bank ( XXXX XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to your constant willingness to resit following FCRA and your choice to keep listening to the so called creditors. I am revoking your authorization to report the following accounts. Delete them immediately. They are closed accounts and the creditors have nothing more to do. I have a right to privacy and this order to stop reporting and delete is within my rights and directly concerns you the Credit Reporting Company.. 

XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX This is to be done by a person immediately. Allowing some automated verified response is foolish and dishonest. An actual human needs to delete these accounts immediately.
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 XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 received a letter stating that I was denied a credit card because they were unable to verify my identity however, I never applied for such a card. I tried to call the number on the letter I received but are unable to get through to anyone other than an automated system. I am worried that someone is trying to get credit in my name. The CC company is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX letter dated XX/XX/2018
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information.

As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information.

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Product: Student loan

Key Bank reported forgiveness of student loans to me as cosigner, which would be reported as my income to the IRS on Form XXXX. This process is a duplicate of the same forgiveness in 2011 for which I have the Form XXXX reported then.
Product: Credit card or prepaid card

XX/XX/2021 I was charged XXXX on card ending in XXXX ( this did not end up in my XXXX XXXX XXXX accounts ) XX/XX/2021 I was charged XXXX on card ending in XXXX also placed in another account see info below XX/XX/2021 I was charged XXXX XX/XX/2021 I put in a billing dispute thinking the charges were just overcharges and there was a balance adjustment made by BOA for XXXX XX/XX/2021 I realized my error that I was paying full amount for XXXX XXXX XXXX services on another credit card BOA ending XXXX I asked fraud claims to investigate charges. 
I contacted XXXX and Bank of America and although XXXX could see the error they said that I need to go through BOA fraud. 
XX/XX/2021 XXXX denied a billing error for XXXX charge I went to BOA actual branch to fax information to claim services who requested more information ( Bank of America case number XXXX ) 18 pages faxed to Bank of America including unknown XXXX XXXX XXXX account number the charges $ was going into XXXX XXXX XXXX XXXX account XXXX ) XX/XX/2021 I was again charged XXXX miscellaneous account not in my name XX/XX/2021 Bank of America issued another credit card and cancelled card ending in XXXX XX/XX/XXXX my appeal was denied I spoke with a customer service agent more recentlys supervisor and he was able to escalate the claims appeal after it was appealed again. 
Multiple appeals and denials and reopening case appeals through Bank Of America fraud claims XX/XX/2021 I called Bank of America to find out that the case was closed and they were unable to accept the claim and recommended I put out a compliant through credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute several accounts on my file 2 months ago and I did not get proper information and explanation back from the credit bureau. I have wrong previous addresses, several accounts that are not supposed to be late on or charged off and in collections. I am also requesting to Validate several accounts listed in the very detailed letter of explanation enclosed. So please see letter and don't ask for more information as this request is very detailed and complete. You-Equifax are not compliant because of the lack of detailed response my previous dispute asked for and should now delete all information I am disputing because of your failure to be compliant and follow the law. I will pursue litigation if you fail to delete this information outlined in the letter enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX XXXX I am filing a CFPB complaint on my own behalf it is my legal right to do so. I am not an attorney or a third party. I am a victim of ID Theft. 
I reviewed one of my credit reports and notice there was some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : 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 XXXXXXXX, XXXX XXXX Please delete the fraudulent accounts My name is XXXX XXXX XXXX XXXX Please delete any other variations of my name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX OH XXXX Please Delete Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SUNFLOWER CT XXXX, CA XXXX Please Delete Phone Numbers that do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My Phone number is : ( XXXX ) XXXX PLEASE DELETE HARD INQUIRIES : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report from Transunion and found some fraudulent accouts. 
Please remove these accounts from my credit report. Thank you
Product: Bank account or service

We have been customers of Chase bank for many years. Last week our debit cards stopped working so we went to the bank to get new ones, only to find out that chase had locked us out of our accounts and was severing their relationship with us. We tried to find out why but no one would tell us, stating only that it is the bank 's choice and they do not have to let us know except through the mail. ( as of one week and two days later we still have not received the letter ) We spent XXXX3 hours trying to find out what was happening but was never given the full answer. We finally were able to talk with someone in XXXX XXXX 's office ( supposedly ) and he was not much help either, although he did let it out which account was the problem. The account in question then turned out to be my XXXX XXXX XXXX daughter 's account. I informed him of that but he stated it did not matter that because I signed for her at the age of XXXX I 'm still responsible. When I questioned him about how they close accounts and do the things they were doing, he said you signed the paper ( not an exact quote but very close ). When I informed him that no one ever told us that the bank could do this he stated " we never disclose that ''. Upon hearing that I informed him that I was a realtor and we can be held liable for not disclosing even minor details in a contract. He again stated that they do not disclose these things. I 'm not sure how they can get by without some sort of full disclosure but this seems to be the case. Because of this we have checks that have been returned even though there was enough money in our account to cover them. 

Things we have found out on our own with no help from chase, is that my daughter made a huge mistake by giving her account info to a so-called employer and they ended up conning her out of several thousand dollars. Because of this they with no warning took our money and closed the accounts. When we contacted the bank to let them know it was fraud they were not willing to help. My daughter offered to pay back the amount she had been taken for in installments but basically they said no and we had to pay it now or they were " turning it over ''. 

We could use some help getting this giant company to be fair. They should not be allowed to get away with not having to disclose such relevant and important information and then to have the audacity to say " we do n't disclose that information '' is at the very least unethical and should not be allowed. Add to it their unwillingness to give any information or even the decency to let us know that they were even going to do such things is just wrong. Any help you could offer would be greatly appreciated.