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

XXXX {$1500.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, Expedian, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXX Opened : XX/XX/XXXX XXXX  XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance {$1400.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX-Balance {$100.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX-Balance {$170.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX-Balance {$100.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX-Balance {$100.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXXBalance {$210.00} XXXX-Balance {$1200.00}
Product: Vehicle loan or lease

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX. 
XXXX AR, XXXX Chrysler Capital XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Cease and Desist Request - Credit Reporting of Charged-Off Account Account Number : XXXX Dear Sir/Madam : I am writing this letter pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding a charged-off auto loan account that appears on my credit report.

I am formally requesting that Chrysler Capital cease reporting this account to all credit reporting agencies for the following reasons : 1. Under the FCRA, credit reporting agencies and furnishers of information must ensure all credit information is reported accurately and fairly.

2. I dispute the accuracy and completeness of the information being reported regarding this account.

3. According to Section 611 of the FCRA, if disputed information can not be verified within 30 days ( or 45 days in certain circumstances ), it must be removed from the credit report.

I request that you : 1. Cease all reporting of this account to any and all credit reporting agencies 2. Remove all previously reported negative information related to this account 3. Provide written confirmation of these actions within 30 days of receipt of this letter Please note that failure to comply with this request may constitute a violation of the FCRA, which provides for statutory damages, actual damages, punitive damages, and reasonable attorney 's fees for violations. 
All future correspondence regarding this matter should be sent to : I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On the XXXX of XXXX a debit card was lost/stolen. Shortly after, but before I noticed debit card was missing, i checked my accounts like I always do after getting groceries. I noticed several transactions that I did not make. Then I checked email and noticed several alerts about denied transactions. I immediately contacted Wells Fargo and reported the fraudulent activity. The person was able to move money from my savings into my checking then withdraw that money. Now according to the alerts these originally happened at a specific branch. We requested information on how someone with no ID or PIN ( remember there were several denied transactions due to incorrect pin ) as able to do this. After filing fraud claims and being badgered and gaslit into taking blame for this we filled a police report. Wells Fargo then put a hard freeze on the accounts and instructed me to open new accounts. The next day after opening the new accounts the claims people said that was done incorrectly and I had to go back down to open more new accounts. This was during a XXXX plus chain of phone calls where everytime i was supposed to be transferred to a higher up I was instead hung up on. Trying to correct the claim filled by a completely incompetent series of claims agents never amounted to anything. Everyone in branch or on phone hasn't been able to answer a single question of how did they let this happen, or when are they going to fix it. I really need help because XXXX willful negligence or utter incompetence is taking away part of my life savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

PMGI , LLC has made three ( 3 ) illegal, invalid, erroneous, and unauthorized hard inquiries on my credit which has damaged my credit score. 

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : PMGI , LLC Made on : XXXX Made with : XXXX  Made by : PMGI , LLC Made on : XXXX Made with : XXXX Made by : PMGI , LLC Made on : XXXX Made with : XXXX  I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I request that after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX
Product: Mortgage

I am following up to the CFPB Response I received yesterday regarding a mortgage loan assumption. It appears that NewRez is refusing to waive my late fees, which I am willing to let go because XXXX XXXX issue is pertaining to the loan assumption which is to be completed by my mother XXXX. The response stated that underwriting declined XXXX for the loan assumption due to no record of a housing payment on her credit history or having a rental agreement. 

At the time of the Loan Assumption application, I have stated on NUMEROUS occasions that XXXX DOES NOT pay any mortgage or rental expenses associated with the existing XXXX Loan. I also explained the original letter of explanation had a typo. The first payment XXXX made on the loan was in XX/XX/2023. I have once again attached the explanation letter the underwriting team is refusing to accept. The guidelines for an FHA XXXX do not require previous rental or mortgage history. I took my original XXXX XXXX out and did not have to provide any of this information. It is rather clear, that NewRez is purposing not pursing a loan assumption for XXXX because they do not want to honor the original interest rate of 2.75 %. I am demanding this be escalated to Underwriting XXXX and the XXXX of your organization. I refuse to wait another year to have this account reviewed for a loan assumption. This is absolutely ridiculous and violates many laws that protect the consumer. If NewRez is unwilling to honor the loan assumption, I want to see the FHA Guidelines that are being used where it states she must have 12 Months Rental or Mortgage History. It is not an accurate statement according to my research.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Equifax is incorrectly reporting fraudulent inquiries that resulted from identity theft as a factual record of file access ( see attached credit report ). This is a Violation of Section 605 of the Fair Credit Reporting Act ( FCRA ). The aforementioned fraudulent inquiries Fail to meet the criteria of a factual record of file access. The fraudulent inquiries were the result of identity theft and do not serve a permissible purpose ( see attached police report ). 
Based on the listed inaccuracies, Equifax Failed to verify the information contained in this report. This is a Violation of Section 605 of the Fair Credit Reporting Act ( FCRA ).

Provisions of Sections 606 & 609 of the FCRA require Equifax to provide the following information to any consumer : How did Equifax verify the inquiries? 
Name the source of information. 
Provide a copy of the executed application your source sent to verify that the inquiry was authorized. 
Provide Permissible Purpose for the Fraudulent inquiries. 
Provide a copy of the wet signature used that verifies the inquiries. 
Provide proof of a proper investigation. 
Equifax failed to adequately investigate Fraudulent inquiries listed as a factual record of file access. All the Fraudulent Inquiries Must Be Deleted. As per the rights afforded to me by the Fair Credit Reporting Act ( FCRA XXXX. I am requesting that the information being reported in my Equifax Credit report be Corrected. 

Best regards, XXXX XXXX XXXX
Product: Checking or savings account

I am reaching out seeking your assistance as it relates to a financial breach I have had regarding my bank account. I am currently banking with Chime ( online bank services ) and on Saturday, XX/XX/2022, at approximately XXXX, almost my entire savings was anonymously depleted. The timeline of events are as follows : XXXXXXXX XXXX EST, received an email bank alert from Chime stating unusual activity. 
XXXXXXXX XXXX ESTXXXX received another email stating {$5000.00} has been transferred ( to an email address ) XXXX XXXX EST, received another email stating my email address was changed XXXX XXXX EST, received another email stating my telephone number was changed I contacted Chime ( via phone ) financial services at the following times : XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXXXXXX XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX Upon each instance, I was told that a representative will be following up with a case number shortly. I have spoken to XXXX Chime customer service ( transferred ) representatives and I am yet to hear back from the Chime team with an update. 

I have been locked out of my account as a result, am not sure what are the next appropriate steps and have, so far, considered filing a police report in an attempt to rectify my accounts. I look forward to hearing from you soon and working together to resolve this major financial discrepancy.
Product: Credit card

I have been a valued and loyal customer of American Express Platinum Card since XX/XX/XXXX. Beginning on XX/XX/XXXX at XXXX, in a recorded call w/a male member of the American Express Credit division, I was harassed and a large unauthorized payment was direct debited out of my business checking account. At XXXX, XX/XX/XXXX, I made a follow-up call to the credit department. This time, the man I spoke with was very apologetic, said that he had started a review of the situation and that I would hear back from a supervisor within 48 hours. I never received a call back from the supervisor. The following week I called back several times. Finally I was given the direct line of a supervisor who said we would have a call on Tues. XX/XX/XXXX at XXXX EST to review 8 months of my Am Ex statements which reflect every month inaccurate payments which I made throughout from XX/XX/XXXX-XX/XX/XXXX. I have statements from the bank documenting exactly what was direct debited from Am Ex out of my business checking account. To date, Am Ex has inaccurately posted my payments direct debited from my business account. The supervisor, XXXX XXXX at phone : XXXX, never called and never returned my calls. I called XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I made a payment to Am Ex on XX/XX/XXXX, of {$16000.00}, direct debited from my business XXXX account. I have an outstanding balance, which I have repeatedly said I am interested in paying in full, both in speaking with Am Ex credit operators directly in live calls ; and repeatedly, in my messages to XXXX XXXX XXXX message. My records show that I am being overcharged by Am Ex by at least {$3000.00}. When I call and speak w/any one directly at the Credit Department, I am assured that I will receive a call back from a supervisor within 48 hours. This has never happened. As of, XX/XX/XXXX, I have repeatedly said that I want to pay my balance in full and get out of the extended payment plan where I am being charged 18 % on the ongoing balance ... and our records need to agree as to how much I have already in fact paid through direct debit of my business account. Please help! No matter how many times I 've called and tried to resolve this situation, I have received no assistance from Am Ex. Since XX/XX/XXXX, I have only had very supportive excellent service with American Express. This experience that has now been ongoing since XX/XX/XXXX is very, very distressing and disturbing.
Product: Credit reporting

Filed chapter XXXX bankruptcy here in Mn last year i was told by the courts that they do not report to the credit bureaus Trans union has it reported as public record it was done by a third party. to resolve this issue i want it deleted immediately and i would like proof that its been deleted.
Product: Checking or savings account

Subject : Formal Complaint Against JPMorgan Chase XXXX XXXX Account Closure and Lack of Communication and withholding my FUNDS I am writing to lodge a formal complaint against JPMorgan Chase due to the handling of my business account and the severe lack of communication and transparency from their end. On XX/XX/XXXX, I encountered an inability to access my business account. A few days subsequent to this issue, I was informed that my account was under restriction pending an investigation, with no additional details provided. Despite assurances of receiving a formal communication via mail, I have yet to receive any correspondence from JPMorgan Chase regarding this matter. 

By XX/XX/XXXX, without any prior notification or explanation, I discovered that my account had been closed. Repeated attempts to understand the reason behind this action through multiple customer service representatives have been futile, with each conversation ending in " We have no further information ; your account is being handled by our back office, '' and no direct line of communication available to this department. 

Throughout nearly 50 days of attempting to resolve this issue, including numerous phone calls each lasting about an hour, I have been met with a consistent lack of information. Only once was I told that the closure was related to an investigation into funds received XXXX months prior. This lack of communication has placed my business in jeopardy ; I am currently behind on rent and payments, with no access to my funds totaling {$72000.00}. The inability of JPMorgan Chase to provide any timeline or clarity has resulted in missed business opportunities and a significant strain on my financial commitments to suppliers and other obligations. 

For the sake of transparency, it's important to note that my funds originated from a legitimate business transaction. Between XXXX and XX/XX/2023, I invested {$78000.00} in XXXX XXXX through my Chase account, and an additional {$15000.00} through other means. XXXX months later, I received a return of {$93000.00} from XXXX XXXX, the founder of XXXX XXXX. The source of my funds is clear and verifiable, and I would have welcomed any discussion with JPMorgan Chase to clarify this matter further. 

The ongoing situation with JPMorgan Chase is causing irreparable harm to my business, and I fear it may not survive another month under these conditions. I urgently request your intervention in this matter to facilitate a resolution and to hold JPMorgan Chase accountable for their actions, which have significantly impacted my business operations and financial health. 

I appreciate your attention to this urgent matter and look forward to your support in resolving this issue.
Product: Credit card or prepaid card

On XX/XX/2019, at about XXXX PM EST, my brother XXXX called in to discuss possibly making a minimum payment on my XXXX XXXX Credit Card account. XXXX spoke with a XXXX whom shared : my due date, the fact that my account is an interest baring account, and my total account balance of {$1000.00} with my brother whom IS NOT authorized on my account.
Product: Debt collection

I paid the original people in full and they ( Allstate ) failed to notify XXXX XXXX which resulted in a collection being plac d on my credit
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.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$50.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$26000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card

American Express put a charge off on my credit for a credit card that I am still paying on and have never missed a payment. First of all, the card I received was not the card I applied for. Once I realized that the card required full balance payment every month, I owed XXXX. 
I then contacted them and set up a payment plan. I have been paying on the plan every since and on time!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Name : XXXX XXXX XXXX XXXX, has violated my rights.

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 an account without my written instructions
Product: Checking or savings account

Citi Bank - I opened an account in XX/XX/2020. I used a new account promotion and deposited {$50000.00} in the account to receive a {$700.00} new account bonus. I met all qualifications for the bonus. The bonus was due to be paid by XX/XX/XXXX. It never showed in my account. I called several times. I was then told my account needed to have the social security number verified. I sent in 2 different tax id forms to Citi Bank. I was told once the id was verified that the bonus would be paid to the account. I was told that on XX/XX/XXXX the account was id verified. As of XX/XX/XXXX I have not received the {$700.00} new account bonus. I have called Citi Bank many times - speaking with supervisors every time. Each person tells me I qualified for the bonus and that the 'back office ' is working on it and that it will be in my account in 2-5 business days ... ..each supervisor tells me they will follow up and call me back. No one has ever called me back. As of today, I called again and was told the same thing by Citi Bank - as of today ... XXXX XXXX there is still no deposit to my account. They lie every time I call them - Citi Bank.
Product: Credit reporting or other personal consumer reports

The fraudulent and inaccurate entries on my consumer report persist despite my disputes. These unauthorized items resulting from identity theft continue to severely impact my financial well-being and cause significant distress. 

I am taking legal action regarding these fraudulent entries. You are hereby required to delete and block these items from my consumer report within 4 business days.