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

I received a credit report from Equifax ( File XXXX ) dated XX/XX/XXXX which indicated that a re-investigation was completed for the my XXXX accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
However, the " date updated '' for all these accounts remained unchanged at XX/XX/XXXX. This discrepancy suggests that Equifax did not conduct a proper investigation into my dispute, as required by law. Equifax failed to include a " Notice of Dispute '' in my credit report, which is a clear violation of FCRA 623 ( A ) ( 3 ) which Ive highlighted proof in the attached documents from Equifax. I have also attached a letter from XXXX confirming that my account has never been late, and the dates in question should reflect as " never late. '' I would like these accounts to be updated correctly in my report.
Product: Checking or savings account

FNB is scamming and lying to customers and the CFPB. 

As of XX/XX/XXXX/2024, I still can not access my account or my money in my FNB account that was opened in XXXX. They refuse to close my account, they refuse to send me my money. FNB is literally scamming customers with promos, then not allowing them access to their account or money, effectively stealing us citizens money. This is literally theft.

Upon a CFPB complaint, FNB responded and did not address any of the issues and they flat out lied saying i never contacted them. I called them in XXXX and this call is recorded FNB is acting is illegal manners, ignoring complaints, stealing money and lying to the CFPB, yet I have to pay for it?
Product: Credit card or prepaid card

Hi there my name is XXXX XXXX XXXX XXXX. I am seeing on my credit report of a discover card with charges. I have never used this card and I have never seen this card. I would like this to be justified and removed immediately and the card account closed.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report after being unable to access for an extended period. Upon reviewing the report, I discovered that fraudulent inquiryhave been opened under my name without my knowledge or consent. It appears that my personal information has been misused, leading to these fraudulent activities. I suspect that my personal information was compromised, as I have not authorized these account, inquiries or transaction and I have been a victim of identity theft.Dispute and remove following inquiry XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CONVERGENT OUTSOURCING, XXXX XXXX XXXX, and XXXX XXXX XXXX . I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CONVERGENT OUTSOURCING, XXXX XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/2024 to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2024. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and ultimately on my financial wellbeing. This has been hurting me as I am in the process of buying home for my family and caused financial and emotional distress upon me and my family. 
XXXX. XXXX- XXXX XXXX. XXXX XXXX
Product: Mortgage

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sold my XXXX XXXX that I had financed wilt XXXX XXXX XXXX to XXXX XXXX in XXXX, NV. All payments were up to date and the total amount was paid off by XXXX at that time. On XX/XX/XXXX, I received a notification from Experian Identity Works that I had a major derogatory account change on my credit file reported by XXXX XXXX XXXX that my account with a balance of {$0.00} was 180 days past due. On the same day, my account was posted as paid in full. I called XXXX immediately and was told there was no notification of account past due on my file and that the account had been closed. I was directed to submit a dispute via email. I did so, including screen shots of of all activity posted on my credit report, as well as a screen shot of the online account showing all payments were up to date as of XX/XX/XXXX. I also included screen shots of my credit report showing completed payments for every month up to may where it suddenly states that my account is 180 days past due which is completely untrue. The same screen shot also notes that XXXX reported my last payment date as XX/XX/XXXX. I received no response to this dispute and called XXXX again on XX/XX/XXXX. The I was told by the customer service representative that I had to wait 30 days for information. ( She was SUPER rude about it and would not even tell me if a dispute showed on the account ). I asked to speak with a manager and was transferred to XXXX XXXX who was unable to find a dispute filed. She filed the information for me and attached all of my original information and screen shots. Ticket number XXXX. XXXX also dug into the account and noted that there are several months where auto-payments that had been made were them reversed by the company and I had been forced to RE-pay them in order to be current. She noted that this may be why the system thinks there is an issue. There was never a time where the payment was more than 30 days past due, even with these payment issues ( which were also THEIR fault due to their auto-payment system issues ). There is absolutely NO evidence that this information that was reported is valid. I sent 2 disputes through Experian which the company denied saying the information is correct. I then followed up with XXXX who gave me her personal email and phone number to contact for information. I have sent 2 additional emails and left multiple voice mails now that is it WELL past 30 days and have received no response. My credit score went down over XXXX points! I take my credit VERY seriously and this is an egregious error on the part of this company. Online research shows MANY complaints for similar and even worst reporting and issues with XXXX for other consumers.
Product: Credit reporting or other personal consumer reports

My information on my credit report was reported as compromised on XX/XX/XXXX. 
The information below was reported as compromised. 
XXXX - XX/XX/XXXX Banking Acct : - XXXX Email - XXXX Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All information is incorrected. 
I will be disputing this with XXXX, Equifax, & XXXX. 

This has caused my credit score to decrease.
Product: Credit card

Chase account ending in XXXX. I don't even have the credit card anymore. I first requested to close this card in XXXX. But more recently, I have been getting charged with recurring charges from a fraudulent XXXX and XXXX recurring fee that I do not recognize. I asked Chase to close the account, stop paying the recurring fees. I paid the balance in XX/XX/XXXX of {$81.00} and BEGGED the customer service person to give me a confirmation number that the account was closed. She said, if the recurring charges come, they will just keep paying those charges and charge interest and late fees. I said, I'm not authorizing those payments. Close the card. So they accepted more charges I did not authorize from only these recurrent companies who also make it nearly impossible to close an account. I called again in XX/XX/XXXX and asked, AGAIN, to close the account. She would not give me a confirmation number that it was closed. INSTEAD, I got a letter saying I owed a minimum of {$170.00} " or my account might be closed '' (?! ) and sent to collections. I finally spoke with Chase customer service person XXXX, whose employee number is XXXX ( she said ) today, XXXX XXXX, and she said I owed {$320.00}. She was nice. But I told her I CLOSED THIS ACCOUNT. After a looooong phone call, she convinced me that if I paid the {$320.00}, it would be closed, even though she confirmed that she saw in the records a note saying I had asked to close it in XXXX ( and in fact, in XXXX, which a different customer service person apparently neglected to note ). But meanwhile, they charged more late fees despite me not authorizing any payments. At the end of my call, after I DID PAY the {$320.00}, she then said I'd need to call AGAIN ON XXXX XXXX to make sure there was no more interest owed at the end " of the cycle. '' I said, BUT I JUST CLOSED IT. She said, " JUST CALL TO MAKE SURE. '' So at this point, I don't know if it's closed or if I am still accumulating late fees and interest on NOTHING! I am broke, trying to rebuild my credit, and trying to get a professional license that will look at my credit. This company has made my life XXXX. Please, for the love of whatever you hold dear, help me. Help me to a ) voluntarily close the account b ) recoup the unwarranted and should-be-illegal fees from XX/XX/XXXX ( when I paid the full balance and asked to close the account ) until now in the amount of {$320.00}, and c ) prevent any further damage to my credit report. Thank YOU.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I discovered unauthorized inquiries that persist despite my previous communication with TransUnion requesting reinvestigation. Regrettably, the issue remains unresolved to date. 


1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I reached out to this merchant regarding a fraud credit card that was opened on this account the merchant informed me that they couldn't verify that I didn't benefit from the credit card so they cant help me remove this negative item that does not belong to me from my credit I asked to the creditor to send me identyinfg documents to verify who opened the account up and they could not they also don't have anything that associates me with this credit card except for my ssn no other documentation they have on file belongs to me this account was opened via the internet per the representative so they are assuming this is my account and it does not belong to me
Product: Credit card or prepaid card

The end of XX/XX/XXXXI called Wells Fargo Customer service to inquire about how to payoff my cash advances that were made on XX/XX/XXXX and XX/XX/XXXX. The rep told me as long as I paid by my due date which is on the 9th of the month the total cash amount plus my min pay that it would be paid off. Obviously this did not happen. I paid a total of {$3100.00} and it posted on my account on XX/XX/XXXX.

I received my statement around the XX/XX/XXXX and I realized that I had an interest charge for cash advances of {$25.00} on my account then i saw that my available cash for an advance was not showing all was available. It was showing i still owed approx {$1100.00} towards my cash advance. I called Wells Fargo on the XX/XX/XXXX and was told that they would request for {$3000.00} to be refunded back to my checking account they will keep. {$15.00} for the minimum payment so I would n't be charged a late fee. That request was denied with no reason why. I called back XX/XX/XXXX and a supervisor resubmitted again to get the refund and put in for the cash advance interest charge to be removed. I check my account 2 days later and the refund for the interest was put back but still no refund of {$3000.00}. The whole reason for the refund is so I can pay the {$3000.00} and for all of it to go towards the cash advance. Still no resolution on if and when I will get my money back. Then today XX/XX/XXXX I was informed that no matter what that according to the terms and conditions that any extra money over my minimum payment first was applied to the outstanding balance which was purchase at a 12 % interest which was {$1000.00} approx and after that balance was paid the rest went towards the cash advance. I do  not see how this is leg at based on the credit card act of 2009.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  According to the Fair Credit Reporting Act 15 USC 1681 Section 602 ( a ), state There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax, XXXX, XXXX, and XXXX XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 
15 USC 1681 section 604 ( a ) section 2, states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instruction of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX, XXXX, and XXXX XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, and XXXX XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer, is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 
This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states 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. 15 U.S Code 1681 ( e ) states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of the title to limit the furnishing of consumer reports to the purpose listed under section 1681 ( b ) of this title. Equifax, XXXX, XXXX, and XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR paragraph 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my credit report. This company has not resolved the complaint and therefore are not in compliance with the FCRA laws
Product: Debt collection

The debt collector JEFFERSON CAPITAL SYSTEM has put a collection on my report from an identity theft that took place during XXXX. The report is filed with the police.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 

**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization.

**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**.

**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law.

You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.
Product: Credit reporting or other personal consumer reports

Subject : Second Dispute Identity Theft Request for Removal of Fraudulent Accounts Dear Sir or Madam : I am writing to you regarding a prior dispute I submitted as a victim of identity theft, in which I requested the removal of fraudulent accounts that are negatively affecting my credit report. Despite following the proper procedures, the following accounts remain on my credit report XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX These accounts were not opened by me, and I have no knowledge of them. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to request the immediate removal of any information related to fraud or identity theft from my credit file. Additionally, the law requires credit reporting agencies to respond adequately and diligently to disputes. This is the second dispute I am filing on this matter without receiving a proper resolution. I have also attached a copy of the identity theft report that I filed with the relevant authorities, in accordance with the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ). This law penalizes the creation and use of false or fraudulent identifications, which is pertinent to this case, as my information was used without my authorization. Furthermore, I refer you to the case of " XXXX XXXX TransUnion Corp. XXXX XXXX XXXX XXXX XXXX XXXX where the court held that credit reporting agencies are responsible for conducting thorough investigations when receiving disputes related to errors in credit reports. The failure to adequately investigate my case may constitute a violation of the FCRA, exposing the agency to additional liability.
Product: Credit reporting

Wrong name no XXXX XXXX XXXX and wrong address XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. Please update the status of this account ASAP. 

XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$1500.00}
Product: Credit card or prepaid card

They will not let me access my account. They keep locking me out of it. Every time I try to get help, the employees refuse to help me be able to log in, and instead insist I pay over the phone, which I do not feel comfortable with. The first time I was successfully able to log in, it was because the employee deleted my account and had me re-register it. However, after that experience, the other employees after him refuse to help me. I either get hung up on right after I say " hello '' ( was not rude and didn't have a bad tone ) or they ask me " why do you want to get into your online account? '' which I found weird. Whenever I answer that question, they say they cant help me get into my account and to pay over the phone, which again, is super weird. I don't know why I can't just pay online, and it also makes me nervous that I have cards saved to the account from the one time I was able to get into it because they won't even let me in my account. Please help : (
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion & XXXX and told them false inquires are reporting on my credit report and they did absolutely nothing and said i must have an FTC report.
Product: Debt collection

Fidelity Account Services, LLC contact a third party ( a relative ) and give private information regarding my account with them. I have contacted them to let them know that they are violating my privacy.
Product: Credit card

My ex wife had this card and some how it ended up on my credit this card is not my card. I never signed or authorized this card.
Product: Credit reporting or other personal consumer reports

Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.