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

I am writing to express my serious concern regarding the disputed accounts on my credit report. Despite multiple requests for a thorough investigation into these inaccuracies, I have yet to receive any resolution. These errors are severely damaging my credit file and negatively impacting my life. 

The ongoing presence of these erroneous accounts has caused significant hardship, affecting my financial stability. I urge you to conduct a comprehensive investigation into each disputed account and take immediate corrective action. 

It is imperative that my credit report is updated and corrected without further delay. Restoring the accuracy and integrity of my credit file is essential for me to regain control over my financial well-being. 

I sincerely request your prompt attention and action on this matter. Your cooperation in resolving this issue swiftly would be greatly appreciated. 

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

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on 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. 

ALLY FINANCIAL
Product: Checking or savings account

I received a letter in the mail today, XXXX XXXX, dated for XXXX XXXX stating that my checking, savings, and credit card with USAA will be closed because they are exercising their right to no longer do business per the depository agreement. I called and was told its because of negative news about me which Im not sure what this means or how that affects my ability to have a bank account with them. Im assuming its because of my criminal background, which has no convictions. Im looking for a thorough explanation on why my accounts are being closed and if this is a violation.

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I submitted a letter to the XXXX Credit Bureau XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
WELLS FARGO DEALER SVC ******** XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Product: Checking or savings account

On XX/XX/2022 I went to the navy federal ATM XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I tried to deposit {$680.00} into the atm. The deposit was canceled by the ATM. It stated it would return my cash. The ATM had an error and a receipt came out that stated We encountered a problem returning your cash. Please contact your financial institution. I did just that and 10days later they deposited my money. XX/XX/2022 I received a message they denied my dispute and took {$680.00} dollars from my account. I have the receipt for their institution ATM that states the had a problem returning my cash, but that was not prof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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: Credit reporting or other personal consumer reports

My XXXX XXXX and XXXX XXXX  have on multiple occasions lowered my credit limit multiple times making it look like Ive reached my limit and causing issues with my credit score. Ive paid in time and Ive even locked my cards so they are not used while I pay them down. How is this legal for them to lower the lower limit making it look like Ive abused my credit when in fact I had plenty line of credit. I spoke to them and they said they received. Information without my consent from the credit bureaus. Im confused if Im paying on time as well as paid the cards off multiple times why am I and others being punished. It makes no sense
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$1300.00} XX/XX/year> I have reached out to this company because I have not had any dealings with this company. I have a police report on file for the identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I requested product from XXXX  An account was opened and I paid {$25.00} to load onto my account. I never received my payment card for my account so I requested a refund of my {$25.00} payment due on XXXX due to me not receiving the products I paid for. However, I only received a refund of {$16.00} on XXXX  and was not notified until XXXX XXXX XXXX  when I received an invoice stating I owed {$8.00}. This was already deducted from my {$25.00} refund on XXXX so I requested to have my account closed. I have email confirmation stating that the account was closed but for some reason, this company still reported the account to my credit report as an open account with a {$1000.00} credit limit and {$8.00} balance owed. I never applied neither was I approved for {$1000.00} credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern and dissatisfaction regarding the unauthorized sharing of my non-public personal information ( NPPI ) by XXXX to XXXX XXXX XXXX ( XXXX ), despite my explicit decision to opt out of such disclosures. 

On XX/XX/year>, I submitted an opt-out request to XXXX as per my rights under the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6827 ) Requires financial institutions to protect consumers personal information and provide opt-out options for data sharing with third parties.

2. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681-1681x ) Governs how consumer credit information is shared and used, including requirements for consent and opt-out provisions.

3. Federal Trade Commission Act ( FTC Act ) ( 15 U.S.C. 45 ) Prohibits unfair or deceptive practices, including unauthorized sharing of personal data. I requested that my personal information not be shared with third parties. Despite this clear directive, I have become aware that my information has been disclosed without my consent, in direct violation of my opt-out request.

This unauthorized disclosure is a serious breach of my privacy rights and may also constitute non-compliance with applicable federal and state privacy laws.
Product: Credit reporting or other personal consumer reports

Description of the Issue : I am filing this complaint because Equifax has continuously denied me electronic access to my free credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). I am in the process of purchasing a home and need immediate access to my credit report in order to dispute inaccurate information. Despite having my correct password, Equifax is locking me out of my account, and when I attempt to log in, I receive an error message instructing me to call their Customer Care team. I have made multiple calls to Equifax, but they have not restored access to my account or allowed me to retrieve my credit report electronically, which is my preferred method of access.

Under 15 U.S.C. 1681g ( a ) ( 1 ) of the FCRA, I am entitled to access my credit report once every 12 months at no cost. Equifaxs failure to provide me electronic access to my credit report directly violates this statutory right. I specifically do not want a hard copy mailed, as I need immediate access to the report electronically to resolve credit issues in preparation for purchasing a home.

Further, under 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute inaccurate or incomplete information in my credit report, and the consumer reporting agency ( Equifax ) is required to conduct a reasonable reinvestigation. However, by denying me electronic access to my account, Equifax is preventing me from exercising my right to dispute and correct the information on my credit report.

Equifaxs actions are also delaying my right to timely responses as outlined in 15 U.S.C. 1681j ( a ), which ensures prompt access to consumer reports, especially when they are necessary for critical financial decisions like purchasing a home.

I believe Equifaxs failure to allow me electronic access to my credit report violates the FCRA, and I request the CFPBs immediate intervention to enforce compliance with the following sections of the FCRA : 1. 15 U.S.C. 1681g ( a ) ( 1 ) : The right to access my credit report annually at no cost in the format I choose ( electronically ).

2. 15 U.S.C. 1681i ( a ) ( 1 ) : The right to dispute inaccurate information in my credit report and have Equifax reinvestigate.

3. 15 U.S.C. 1681j ( a ) : The right to timely access to consumer reports, which has been unreasonably delayed.

I respectfully request that the CFPB investigate Equifaxs non-compliance with the FCRA and require them to restore my electronic access to my account and facilitate my ability to dispute inaccuracies on my credit report.

Attached is my drivers license ssn, proof of residency, and screenshot of what the error message is
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate 30-day late payment reporting on my XXXX account. I have never been 30 days late on this account, and I request an immediate investigation and correction of this error. 

Additionally, I would like to request a grace period or non-penalty consideration under federal consumer protection laws, as I have been out of work due to a XXXX. Under the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), creditors and credit bureaus must ensure fair and accurate reporting and consider extenuating circumstances that may impact a consumers ability to make timely payments. Given my situation, I request that any negative reporting associated with my account be removed in consideration of these protections. 

I have included documents to substantiate my claim. Please update my credit report accordingly and provide me with written confirmation once this correction has been made. 

Thank you for your prompt attention to this matter. I appreciate your consideration and look forward to a resolution.
Product: Debt collection

I notified this NCB collection agency on XX/XX/2022, for complete verification and notified them that this suspicious account is In dispute because of the possibility of identity theft. 

This collection agency has failed to provide me with the essential verification as required within the required time. 

I have never received any collection letters from said agency required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report isnt reporting any information on my Equifax on my report I send them multiple letters stating that they arent reporting any accounts ( 4 of them ) on my credit monitoring due that I have open account and they are reporting to all three credit bureaus
Product: Credit card or prepaid card

A great nephew of my wife was murdered  XXXX . When we finally got the wallet after the trial, we found a  XXXX   XXXX  prepaid tax refund card and we were able to determined that there was a little over {$1000.00} in this account. We have been try to cash this card since  XXXX . Note the great nephew only has his mother  ( m y wife 's niece ) and my wife as relatives. The mother is in a  XXXX   XXXX  and my wife has a power of attorney for her. Since  XXXX , we have contacted  XXXX    XXXX    express ten times and have faxed then different information five times. Each time we respond, they would come back and with more information that they needed and we would comply. Finally, we received a letter from t he American Express Resolution Team requ esting forms filed through the court system. In checking with an attorney, we found that it would cost us far more way more then {$1000.00} to do this. American  Express has hindered us at every turn. I guess American Express will  get to keep the money rather then the mother who needs this money to fix her teeth.
Product: Debt collection

Good afternoon, My name is XXXX XXXX XXXX. I am writing to complain about RESURGENT. This is not my debt and they are inaccurately reporting on my credit report as a collection. I find it completely unfair and illegal. I think they should definitely get some type of fee charged because they haven't even validated this debt with me and because of their inaccurate reporting, are stopping me from acquiring a house/car. 
Please have them fix this. Thank you.
Product: Payday loan, title loan, or personal loan

Good day, I took out a loan that was advertised to have a lower interest rate than what I am paying at the moment. 

I am now paying 188 % on a {$1700.00} loan. I have paid on-time and would like to get out of paying the insane interest rate. 

Is there a way that you can help, please? 

Sincerely,
Product: Debt collection

I am deeply concerned by your continued disregard for my requests to rectify inaccuracies in my credit profile, which violates the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts, including this final request, you have failed to take action. Under the FCRA, you are obligated to investigate and correct inaccurate information promptly. Your persistent non-compliance leaves me no choice but to pursue legal action if this matter is not resolved immediately. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Checking or savings account

I opened a checking account online with chase bank I was told I was appoved for a simple checking account. Upon attempting to access the phone application my access had been blocked. I called customer service and they stated that I would be getting a letter with an explanation. After receiving the letter it stated that they closed the account but there was no actual justification stated I was advised to check my credit report. I also attempted to go to a branch where I was given a phone number to call. They simply stated they have a right to close an account for any reason and didnt offer any further assistance.
Product: Mortgage

I had my mortgage with XXXX XXXX initially and they sold my mortgage. Fay Servicing has been the company that services my loan since it was sold. I have always paid my mortgage on time never missed a payment and kept my insurance current and adequate. I have always had flood insurance as well as homeowner 's insurance. 
The problem started this XXXX, XXXX with a letter from Fay Servicing asking for evidence of Flood insurance which I sent them. My insurance company had sent them a copy when I renewed the policy in XXXX XXXX, but I sent it again like they asked. In XXXX, XXXX they asked for evidence of increased coverage which I sent them. I had {$150000.00} coverage that I had increased to {$160000.00} back in XXXX, XXXX when I renewed the policy which more than covered my mortgage which was {$120000.00} at that time. In XXXX, XXXX I got another letter stating that they took out a {$50000.00} mortgage policy at a cost of {$450.00} which they put in an escrow account. I then called and was told that if I increased my coverage to within {$5000.00} of my homeowner 's policy they would remove the charge. I called my insurance company and for {$3.00} I increase the flood insurance to what it needed to be. Countless calls to Fay Servicing and spoke to about 20 different people who said the charge, which had been reduced to {$130.00} would be removed. It was not. The last supervisor I spoke to, said the charge should and would be removed. I would call every few days because no one ever called me back. The last time I called her she told me that the charge would not be removed because they did everything right. She gave me the name and number of her supervisor and I have called and left about 5-6 messages for him to call me starting last Thursday, and he has not called back. The company also has assigned me about 4 different people to manage my account so there is no consistency in management. 
Just to review, I always pay my mortgage on time, insurance both homeowner 's and flood is paid on time and always kept current no lapse in coverage. I have had flood insurance since I have lived here and it has always been less than the amount of my homeowner 's insurance, but more than my mortgage and what my house is worth, and was never told it had to be the same as the homeowner 's until after they took out the extra insurance, in XXXX XXXX. They had not communicated to me what the insurance needed to be and I had no way of knowing, since I have been consistent in my coverage ever since Fay Servicing took over my loan.
Product: Debt collection

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has violated federal law on XX/XX/XXXX I sent in a dispute letter for inaccurate accounts showing on my credit report I received a response on XX/XX/XXXX. The date on the letter says XX/XX/XXXX that date is questionable. More important than the questionable date I demanded under the Fair Credit Reporting Act for proof that these accounts are accurate which I received no proof of. This account still to this day does not state that the account has been disputed. U.S.C 1681 s-2 clearly states that creditors have the duty to provide notice of dispute which Transunion has not. These inaccurate accounts have caused me stress. I will add evidence in this complaint of this inconsistent false reporting account. I have been keeping track of all communication I will also attach a certified letter that I sent in response to Transunion automated letter. In this letter, I go into detail about some of the federal laws Transunion has violated. As well as addressing their negligence to address unauthorized inquiries and verify XXXX XXXX account. I hope I will not be forced to take legal action but I am prepared to. I would like to add I do not consent to e-Oscar or any means of automated verification I am a consumer with rights I demand to be treated with respect.
Product: Vehicle loan or lease

I had a vehicle loan, that I voluntarily let them repossess, upon checking my credit recently I noticed that Wells Fargo is reporting I'm late on payments on an account that's been closed for over a year. Neither Wells Fargo nor XXXX will change this. XXXX even admitted they knew it was incorrect but are leaving it on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX, XXXX ) ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ) 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.