23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am receiving continuous calls from XXXX. I do not answer because I do n't recognize the number. It is a Georgia phone number. I only know what it is from researching it on the Internet. I want this number to STOP calling me.
Product: Debt collection

I am writing to formally dispute the collection account associated with XXXX XXXX XXXX ( Account # XXXX ) listed on my credit report. After a detailed review, I believe this account contains inaccurate and/or incomplete information and requires immediate correction or removal under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Account Details : Original Creditor : XXXX XXXX XXXX XXXX XXXX. 
Account Type : Collection Date Opened : XX/XX/XXXX Reported Balance : {$110.00} Status Updated : XX/XX/XXXX Nature of Dispute : 1. Incomplete Validation : I have not been provided adequate validation for this debt. Under FCRA 1681g ( a ) and related case law ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Cir. XXXX ), I am entitled to accurate and substantiated reporting. 
2. Conflicting Information : There are discrepancies in the reporting of this account. The Status and Status Updated dates are inconsistent, which calls into question the accuracy of this entry.

3. Potential Inaccuracies in Balance : The reported balance of {$110.00} is contradictory to my records, and the original creditor has not provided sufficient evidence of this alleged debt.

Requested Actions : I am requesting the following actions to resolve this matter : 1. Verification and Validation : Conduct a reinvestigation under FCRA 1681i ( a ) to verify the accuracy of the account details.

2. Documentation from Original Creditor : Provide documentation supporting the validity of this debt, including the original agreement and payment history.

3. Correction or Deletion : If the furnisher can not validate the accuracy of this information, I request that you remove this account from my credit report immediately.

Under the FCRA 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. The inclusion of inaccurate and incomplete information violates this standard. Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX XXXX, XXXX ), it was affirmed that credit bureaus must take actionable steps to verify disputed information within a reasonable timeframe. 

Additionally, I request a reinvestigation of these accounts under FCRA 1681i. I expect your organization to : Contact the original creditors or furnishers to verify the accuracy of the information. 

Remove or correct any unverified or inaccurate information promptly. 

Provide me with the results of your reinvestigation and an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the credit bureaus regarding the inaccurate things on my credit report, it has been over 100 days and I still have not received a response back. I feel like Im ignored and taken advantage of. Section 611 ( a ), states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand inaccurate reported late payments updated to payed as agreed or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card

I came into Bank of America to get my pin number changed for my debit card.I was told about a balance transfer of my other cards at another bank. I was told this, thinking it would happen in XXXX session at that moment with the teller. Instead the teller had me click XXXX boxes on a screen as my signature and then told me I had to wait 2 hours on XXXX to get word from me having to call XXXX or wait a day to see what rate of credit I would get later. If XXXX XXXX had told me this would not be determined and I could not get this done at that moment I would have not done this precheck or application click. 
i still am not sure what the transaction or action of the clicks exactly did at the XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX office did. I was only given general policy and credit rate information. Nothing was given to me noting the date. Nothing was told to me of a prior date. I had no written record of the meeting accept my in bank pin change that occured. I even told her I had a freeze on my accont and I have not lifted it for that meeting, unless someone else did without me being aware of it. I would like a letter or record of the event sent to me. This place is strange. once a Teller named XXXX had me sign paper for a pen change months ago, and the top part said one thing and the bottom said another. Hopefully this branch is not doing a XXXX move and creating accounts without letting customers be aware of it. I am going to cancel the card when I get word of its number or anything to identify the meeting at all, other than the pen change. Which was the reason I came in to see the given to me fellow named XXXX too. At least XXXX walked me out to a teller to show me if I needed to change my pin in the future an new the old number I could use a teller. I think transactions should be explained in terms of timelines better in the future, like this can be done now in so many minutes or the process takes days or weeks or months all together. What if the person is going out of town or something.
Product: Debt collection

Date : XX/XX/XXXX Amount : {$660.00} I sent a written response to the collection agency on XX/XX/XXXX. I asked the company with a Section 809 Validating Debts of the Fair Debt Collection Practices Act requesting that the collection agency provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 

I advised that I disputed this debt ; therefore, until this debt is inaccurate. They are still reporting the debt and have not provided me with the correct documents. I explained to the collection agency that they must immediately inform this debt is in dispute. Also explained that reporting information that you know to be inaccurate or failing to reporting information correctly violates the FCRA 1681s-2.

Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, I advised them to do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law
Product: Credit reporting or other personal consumer reports

I regularly check my credit report because my XXXX XXXX is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my XXXX XXXX unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  ( The original creditor was XXXXXXXX XXXX XXXX ) This is fraudulent. I'm not sure who opened this account. This wasn't me and XXXX XXXX XXXX keeps putting this on my credit reports. THIS IS FRAUDULENT ... .Someone used my information to open an account. My purse was stolen doing this time with my social security and ID. 

I have asked XXXX  to remove this item.
Product: Checking or savings account

I am want to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees and charges I have incurred. Despite having sufficient funds when the transaction was authorized. I was charged fees due to the lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are in fair and request an investigation into my account transactions. 
This has been an ongoing problem since I have been with them.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Inaccurate Reporting by the XXXX Bureaus Dear CFPB, I am filing a formal complaint regarding the inaccurate reporting of XXXX closed accounts on my TransUnion credit report XXXX The accounts in question are : Inquiries due to Identity Theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA, credit bureaus are obligated to take swift action upon receiving notice of inaccuracies due to identity theft. Non-compliance with these regulations may lead to significant penalties and legal repercussions. 
I already filed an FTC Report, a police report, I called the bureaus, sent dispute letters, but still it is not removed from my report. 
I hereby request a thorough investigation into these disputed items and prompt resolution of the inaccuracies. This entails removing all erroneous information, blocking any fraudulent accounts from reappearing on my credit report, and providing me with a revised credit report once the investigation is concluded. 
I look forward to your prompt response and action to resolve this issue on my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

I NOTICED ON MY CREDIT REPORT A CLOSED ACCOUNT FROM WELLS FARGO THAT DOES NOT BELONG TO ME I WOULD LIKE THIS REMOVED FROM MY ACCOUNT IMMEDIATELY. I'VE CONTACTED THE COMPANY SEVERAL TIMES THEY HAVE THE INCORRECT ADDRESS ON FILE XX/XX/2019 DEBT {$2900.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 USC 1681i ), 609 ( 15 USC 1681g ), and 604 ( 15 USC 1681b ). 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed query : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, after viewing my credit report this account has been open and closed off each bureau within ( 8 ) days they have fraudulent open and closed this account. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Remove this information immediately!!! XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

In XX/XX/2024, I called Chase to close my checking account XXXX. Associate on the phone assured that XXXX submit a request to close my account and that I would not incur any fees on this checking account. Fast forward to XX/XX/2024, the account still is not closed and Chase just charged {$35.00} maintenance fee that overdraw the account. I just want the account closed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly 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, 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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. These are the accounts that I have marked as inaccurate : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX 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: Checking or savings account

In XXXX of this year I became the Representative Payee for my brother XXXX XXXX. For the initial deposit, I received a debit card to access XXXX 's funds. The card is drawn on Comerica Bank. I started to withdraw funds but found that they were charging me each time I withdrew. I tried setting up a transfer but the site was not allowing that. I tried several times to speak to someone but was never successful to get a live operator. I decided to just close the account and wrote a letter requesting the balance of {$53.00} be remitted via Cashiers check. That letter was sent in XXXX, to date I have not received any kind of response. I know it's a small amount but at this point it's the principal. I just want to close this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I respectfully urge you to investigate these unauthorized inquiries and furnish documentation regarding their source. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that may suggest my authorization for these actions. 

Since these unrecognized inquiries could harm my credit score and overall financial standing, I kindly request that you resolve this matter swiftly. Your prompt attention to this issue is sincerely appreciated. 

XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the  rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. 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

FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record unti FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$210000.00} Status Open. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$640.00} Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Open.
Product: Credit reporting or other personal consumer reports

I HAVE PREVIOUSLY DISPUTED WITH THE CREDIT BUREAUS ( PUBLIC RECORD XXXX XXXX  / REFERENCE NO XXXX WITH CREDIT BUREAUS, AND IN RESPONSE, THEY VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. I CONTACTED THE COURT, AND THEIR RESPONSE IS ENCLOSED. IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY.
Product: Checking or savings account

On XX/XX/2019, someone withdrew funds from my account via a XXXX transfer. Sufficient funds were not available, therefore, they transferred funds ( which were not available ) from my daughter 's linked account. Later that day, even after I reported the hack, someone continued to transfer funds back and forth from the account. Before all of this began, a balance of {$350.00} was in my account, USAA refused to refund the hacked amount. Subsequently, I had to open a new account in order to have access to my paycheck on XX/XX/XXXX. USAA blamed me and my daughter for the hacking and refused to refund my account balance. They have since sent my account to collections for funds above my original balance stolen from the account. Thankfully, My daughter 's bank refunded the hacked funds from her account.