23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am writing to follow up on the unresolved issues regarding the investigation of my accounts. Previously, JPMorgan Chase closed three of my accounts and initiated an investigation. After involving Consumer Finance, I thankfully received refunds for two of these accounts. 

However, the investigation into my third accounta savings account with the number XXXXremains unresolved. It has now been almost 120 days with no clear update, despite the initial investigation supposedly covering all three accounts. The sum in question is just under {$4000.00}. 

I believe there may be an oversight or a failure in the system updates, which is preventing the resolution of my case and the return of my funds. Given that the issues with my other two accounts have been satisfactorily resolved, I am hopeful that we can expedite a similar resolution for my savings account.

I would appreciate a prompt response to this matter, as the continued delay significantly impacts my financial well-being. I have been more than patient, 120 days and counting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  credit card is reporting to XXXX and Transunion that this account is still open. It is closed. 
XXXX XXXX XXXX is reporting this account XXXX XXXX as open on XXXX and Transunion. This is inaccurately and Fraudulently being reported.
Product: Credit card or prepaid card

In XXXX of 2017 my payment did not go through when it was on auto bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX are both reporting wrong information on my report stating that Santanders auto loan was charged off when it was paid in full. I have letter from Santander saying it was paid in full and they would contact credit reporting agencies to remove the charge off status.
Product: Credit reporting or other personal consumer reports

The accounts listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 
XXXX XXXX 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

I am filing a formal complaint regarding the actions of Equifax XXXX XXXX XXXX XXXX, as they have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other privacy laws concerning my personal information and consumer rights. 
First and foremost, I have been affected by Equifaxs failure to protect my personal data, particularly in light of their history of data breaches. Due to their lack of diligence, I have reasonable concerns that my personal information is at risk, making me more vulnerable to continued identity theft and fraudulent activities. Despite my repeated efforts to dispute inaccurate information on my credit report, Equifax has continued to mishandle my data and fail in its legal duty to ensure fair and accurate reporting. 
Violations Committed by Equifax 1. Failure to Ensure Accuracy of Consumer Reports ( FCRA Violation - XXXX U.S.C. XXXX ( b ) ) Equifax has continued to report incorrect information on my credit report, despite multiple dispute attempts. 
This includes unauthorized hard inquiries, incorrect addresses, and inaccurate account balances. 
As a result, my credit score has been negatively impacted, leading to credit denials and financial harm. 
2. Unauthorized Disclosure of Personal Information ( XXXX U.S.C. XXXX & XXXX U.S.C. XXXX ) Equifax furnished my consumer report without my written consent, violating FCRAs permissible purpose requirements. 
Under XXXX U.S.C. XXXX, financial institutions are required to protect the confidentiality of nonpublic personal information, which Equifax has failed to do. 
3. Violation of Opt-Out Rights ( XXXX U.S.C. XXXX & XXXX XXXX XXXX ) Equifax has shared my personal and financial data with third parties without properly informing me of my right to opt out. 
I was never given the required opt-out notice, which is a direct violation of my consumer rights. 
5. Failure to Investigate and Correct Disputed Information ( XXXX U.S.C. XXXX ( a ) ) Equifax has engaged in stalling tactics, repeatedly asking for identity verification, despite already receiving multiple forms of identification from me. 
Despite my disputes, Equifax has refused to remove incorrect data and continues to report misleading financial information that damages my credit standing. 
Financial & Emotional Damages Incurred Due to Equifaxs negligent actions, I have suffered financial losses and emotional distress, including : Denial of credit opportunities, including a home loan and business financing. 
Increased interest rates on existing accounts due to Equifaxs inaccurate reporting. 
Emotional distress, anxiety, and frustration due to the continued mishandling of my personal data.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I uncovered inaccuracies within certain sections. According to the provisions outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), it is imperative for the three credit bureaus to validate these accounts. Failing to validate these reported accounts as unverified information, without furnishing proof within the legally stipulated timeframe, is not permissible. The accounts listed below require investigation and correction due to erroneous reporting : XXXX XXXX Balance Owed : {$0.00XXXX XXXXXXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$170.00} DEPTEDXXXX XXXX Balance Owed : {$3100.00} DEPTEDXXXX XXXX Balance Owed : {$2500.00} DEPTEDXXXX XXXX Balance Owed : {$5000.00}
Product: Payday loan, title loan, or personal loan

XX/XX/2021, I mailed out a Affidaivt of Truth ( AOT ) and a Cease-and-Desist Collection Activities to XXXX XXXX XXXX and Luckmores register agent XXXX XXXX. Inside of the AOT, I pointed out how Luckmore has violated several of my federally protected consumer rights. Throughout this entire account period Luckmore as use unfair practices in order to collect on the debt. Luckmore has threaten to file sue as well as garnish my wages, with no intentions on doing so, which is a clear violation of 15 USC 1692e ( 4 ) and 15 USC 1692e ( 5 ). Pursaunt to 12 CFR 1041.7 Luckmore has charged my debit card without my permission on several different occasions which has caused my account to become negative due to insufficient funds available. I have spoken to the CEO regarding this matter on XX/XX/2021 ( on a recorded line of my own ), and after expressing my concerns with him about the unfair and abusive practices, Luckmore placed a hard inquire on my credit report not even one minute after speaking with XXXX. Luckmore uses fake phone numbers to call me in order for me to pick the phone. XXXX has called me from a ( XXXX ) area code number which is the same code where I reside. Luckmore Finance is located in XXXX and XXXX XXXX Louisiana. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Luckmore has placed several late payments on to my credit report which is a clear violation pursuant to 15 USC 1666b. Also, I NEVER gave Luckmore any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b.

Luckmore has cause severe stress and anxiety due to the abusive and unfair practices. When I see an email or phone call from Luckmore, I so afraid that theyll add additional adverse actions to my credit report which is causing me to NOT get approve for my home loan.
Product: Debt collection

XX/XX/2022 through XX/XX/2022 each and every day XX/XX/2022 through XX/XX/2022 each and every day Portfolio services called me. I have all call logs on my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of west shoes delinquent of $ XXXX from 2019 on credit report jointly with wife XXXX . Per Bank of West they have no accounts open or delinquent in my name or social number. Wife has never had a account with them. This is Fraud especially on my wife!
Product: Credit card

I opened a credit card with Bank of America and was supposed to receive XXXX points after spending XXXX in 3 months. I noticed in XXXX that I had not received the XXXX promotional points. I contacted Bank of America at the beginning of XXXX and was told to contact XXXX  XXXX to get the promotional offer. I spent over an hour on hold only to be told that I needed to speak with Bank of America again. Bank of America promised to look into the situation and get back with me. About a week later, I contacted them again on XX/XX/year>. I spoke to customer service, then the customer service manager, XXXX, who said I needed to speak with the customer service dept in sales/promotions. The representative, XXXX, said she could not give me the points and her system would not allow me to receive the XXXX credit card charge if i canceled that card. She told me to call XXXX  XXXX again. I asked to speak with a supervisor and was told that XXXX would call me in 24 hours. 
Bank of America claims that I fell short of the XXXX amount around XXXX because I had a return. I have bank statements that show something different. I have also had problems with their billing and website.I will never do business with them again and won't use XXXX  XXXX again. 
They can keep the XXXX points and refund me the XXXX credit card charge from XX/XX/year>. I canceled the card.
Product: Credit card or prepaid card

I've kept intermittent contact to include ordering a replacement card w/ Comenity Bank , the credit service for XXXX XXXX , over the last several years. Most recent contact was XX/XX/2019 when I received a new card based on my request filed online. I found out today, XX/XX/2019, thru the credit monitoring service XXXX, that Comenity chose to close my account due to inactivity. The reported closure took place XX/XX/2019. When I called the company the telephone prompts did not indicate any account closure, however, when I spoke w/ a representative they'd informed me that they chose to close my account XX/XX/2019, and I'd need to reapply if I wanted to have an account with them. I'd been waiting for a financially wise opportunity to utilize the card and had not had the need in the last 4 years so I'd not made a purchase - but I did keep contact to keep the account considered active as per my state 's regulations cited in : XXXX XXXX XXXX   According to Comenity, simply corresponding with them was insufficient to establish activity and not have the account flagged as an abandoned account. This has cost me 4 years of credit history and a significant decrease to my credit. It is illegal in the state that governs me, Washington, which was also the state where I originally opened the account. I've not received any communication whatsoever from XXXX regarding the account closure. I was never informed formally that it was closed - it took me contacting them to find out they'd closed it. They refuse to re-open the account, forcing me to reapply which would further adversely impact my credit score ( renewed account inquiry ) and I do not believe I'd qualify to re-open the account at this time.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a fraudulent account that appears on my experian report. this account was not opened by me. it has caused my credit score to drop drastically and is hurting my financial life. On XX/XX/2021 I told experian to dispute the account as unauthorized / not opened by me. I have filed police reports and identity theft reports to support my claim yet they are saying i am responsible. Experian is saying the information is being verified by the data furnisher however i sent in a letter to experian demanding a request for verification for the disputed account because I DID NOT OPEN THE ACCOUNT SO THERE IS NO WAY IT SHOULD BE COMING Back verified. 

I have not since received any form of response after requesting my proof of verification and it has been over XXXX days which means they are in violation of the XXXX. This account needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I just obtained my free credit report and saw some inquiries I have no knowledge neither did I authorize these hard inquiries that have been made on my credit report. They don't relate to anything I've did. I'm worried these inquiries will affect my chances of getting a home. Please remove these unauthorized inquiries from my credit report ASAP under 15 U.S. Code 1681c-2. Unauthorized Inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against Discover for incorrect reporting of a charged-off credit card account, which is being displayed as an active line of credit on my credit report. This discrepancy is not only causing significant harm to my credit score but also violates my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

The credit card account in question, with account number XXXX, was charged off by Discover on XX/XX/year>. However, when reviewing my credit reports from the three major credit bureaus ( XXXX, XXXX, and XXXX ), I found that this account is still being listed as an " active '' line of credit, which is inaccurate and misleading. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting entities are required to report accurate and complete information to consumer reporting agencies ( Section 1681e ( b ) ). In addition, the FCRA mandates that any information which is found to be inaccurate or incomplete must be corrected promptly ( Section 1681i ). By reporting this account as an active line of credit when it has been charged off, Discover is failing to comply with these requirements. 

Furthermore, under the FCRA, accounts that have been charged off should be marked as such on a consumers credit report. The continued reporting of a charged-off account as an active credit line could potentially mislead lenders or other third parties who review my credit report, and it may cause unnecessary harm to my creditworthiness. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and assist in ensuring that this credit card account is reported accurately in accordance with the law. I also request that Discover be instructed to update my credit report with the correct status of this account. 

I have already disputed this issue directly with the credit bureaus, but as of now, the error has not been corrected. I have attached copies of my credit report and any relevant documentation to support my claim. 

I appreciate your prompt attention to this matter and look forward to a resolution as soon as possible. Please let me know if you require any additional information. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and noticed inquiries on my credit report that I did not approve nor authorize. all of the following inquiries I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

A man by the name of XXXX XXXX from XXXX XXXX XXXX team called my brothers cell phone number and stated he was lookingfor XXXX XXXX saying I had wrote bad checks and I made good by paying these debits but those checks were returned to. XXXX ... XXXX XXXX XXXX to have the reputation by checking into this mysekf, this seems to be there tactic He's from XXXX XXXX and calls from XXXX This XXXX XXXX needs to be stopped. Truly false information to call my brother and state I wrote bad checks, this is more than a false statement false and is slander I need to go after these XXXX****** XXXX legally you need to help with that!!!!
Product: Money transfer, virtual currency, or money service

Yesterday XX/XX/2022 i was trying to buy tickets to XXXX  concert from what seemed like a fan twitter user account XXXX XXXX on XXXX who said they had 3 Tickets available. They wanted {$250.00} each but i said I couldn't do that much and they said they could go lower. I said i could do {$120.00} each. They sent me a screen recording of the ticket which looked real. 
So they asked could i do {$130.00} each and I said ok and so i zelled money to an email account they told me and they asked for email to transfer the tickets from ticketmaster and i did so. Then they said had to talk to bf and then came back and he said that was too low and asked can i do more. So i said i could do {$30.00} more and they said the bf bank acct messed up and could they send to a phone number that said was an apple pay account and i told them i dont have that. They came back with a different zelle and i sent the XXXX Then i asked them To transfer and 20 Min went by and they said they would. Then they blocked me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally express my concern and dissatisfaction with the recent investigation conducted by your bureau regarding a disputed late payment on my account with XXXX XXXX, account number ending in XXXX. 

On XX/XX/year> ], I submitted a request for investigation, clearly stating that I have never been late on any payments for this account. I provided you with the necessary details, including my expectation that your agency would conduct a thorough investigation and provide either proof of the alleged late payment or update the record to reflect that all payments were made on time. 

To my dismay, I was informed that your investigation concluded the late payment was " verified '' without any proof or supporting documentation provided to me. This response is both unsatisfactory and concerning, as it suggests a lack of due diligence in your investigation process. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that all information reported is accurate and to conduct a reasonable investigation when a consumer disputes the information. The failure to provide proof of the late payment or to correct the error is a clear violation of these responsibilities. 

I demand that this matter be re-investigated with proper attention to detail, including : XXXX. Providing documented proof of the alleged late payment, such as account statements or communication from the creditor. 
XXXX. Correcting the inaccurate information on my credit report if proof can not be provided, reflecting that all payments were made on time. 
XXXX. Providing a detailed explanation of the investigation process that was followed and the specific steps taken to verify the information. 

Please consider this letter a formal complaint. I expect a response within 15 days, as stipulated under the FCRA. If the matter is not resolved to my satisfaction, I will have no choice but to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

Thank you for your prompt attention to this matter. I look forward to your swift and accurate resolution of this issue. 
Sincerely, XXXX XXXX XXXX
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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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.