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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> "
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Bank of America performed a hard inquiry into my credit status without my permission, oral or written. I currently do not have any loans with Bank of America. No explanation was given as to why this inquiry was performed. Hard inquiries into anyone 's credit can and does affect their credit score for at least 2-3 years.
Product: Checking or savings account

On XX/XX/2023 at about XXXX XXXX. I went to JP Morgan Chase located at XXXX XXXX XXXX, XXXX XXXX  XXXX after getting no explanation of what had occurred to my daughters savings account. I spent 3 hours on the phone with customer service representatives at XXXX and XXXX. I wasn't told who had deposited the false checks, where, or when it actually occurred. I was told that I had to physically go into my local branch and make a deposit of {$100.00} or more. Upon, arriving at the bank and speaking to the cashier ( XXXX XXXX XXXX who couldn't explain to me what happened to the balance of {$620.00} that was in my daughters account I explained to her that I spoke with people at the listed above phone numbers and was told to deposit {$100.00} to remove the restriction from my daughters savings account. I made a deposit of {$200.00}. The cashier couldn't explain to me what had happened on the account and started to get loud and then proceeded to blame my daughter for making the fraudulent deposits in the amounts of {$500.00}, {$200.00}, and {$290.00}. When I asked to speak to someone else she stated " no, there is no one else that I could talk to ''. Realizing I wasn't going to get anywhere with the angry cashier I decided to return home and and call the numbers again. After getting someone on the line I was told that Chase was discontinuing their relationship with my daughter and they terminated her account. When I asked why were they terminating their account I was told that " my daughter phoned the bank at XXXX XXXX  on XX/XX/XXXX and stated that she was involved in a money scheme ''. When I asked how could you verify my daughters voice and to let me hear the call my phone call was then terminated.
Product: Debt collection

I have been told by family members that there was an attempt to serve me at their residence, which I do not live. I was receiving harassing phone calls. I have received harassment mail being threatened to be sued by Portfolio Recovery Associates. Several different amounts mentioned for a debt. None of the amounts have been accurate or correct in any ways. I have sent a dispute and validation letter by certified mail and have never received a proper response to my letter. There was a {$990.00} on XX/XX/XXXX. I received another letter on XX/XX/XXXX for {$770.00} and another for {$750.00}. Falsified lawsuit docket number letters have been sent to me. I have certified mail receipt confirmation of my attempt to contact Portfolio Recovery Associates and no appropriate response was received.
Product: Mortgage

Our settlement company requested a loan pay off statement from United Wholesale Mortgage on XX/XX/22. The settlement company never received it so they asked us to reach out to United Wholesale Mortgage to try to get it ourselves. We reached out on XX/XX/22 and United Wholesale Mortgage claims it was in our online document center but it was not there. We called again on XX/XX/22 to try to get them to send it, but then they claimed their document center went down. So then they said they could fax it, but no one has received it. We called UWM to ask them to fax it to a different number ( in case there was an issue with the one they were sending it to ) and they claimed to have faxed it, yet no document. We called again and tried another fax number. Still no document. We tried the chat feature three times on XX/XX/22 and called four times on XX/XX/22 and the best we were able to get was Ill tell my supervisor, he isnt answering his phone. We now close tomorrow morning ( XX/XX/22 ) and we dont have the document. I read they have 7 days to produce this from the time we asked and they have not fulfilled this requirement. They claim they did fulfill it, but none of their faxes went through to multiple numbers ( so it their system failing ) and it was not in the document center and they refuse to help in any other way, so I dont know what else to do at this point. I feel helpless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership to purchase a vehicle. I was informed that my credit would only be pulled by I creditor. However there are 8 inquires. 

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 card or prepaid card

Called capital one to check on the status of my application and the representative saidbshe didnt want to answer my questions and hung up.
Product: Checking or savings account

I had a savings account with VyStar Credit Union. It has a small balance of {$100.00} and the account was closed without notice on XX/XX/2022. I received a statement showing they had charged me {$60.00} XXXX XXXX and another {$48.00} for XXXX XXXX XXXX which brings the account to zero. I received regular statements and the account accrued a small amount of interest ; however, the account was closed without notice. Upon receiving the statement I went to the branch and was told my account was closed for lack of activity and that they should have tried to contact me before closing the account.
Product: Checking or savings account

My XXXX Account that I have had for approximately a year and half and have XXXX dollars taken out weekly from my outside banking account had a spending account opened not by me and on XX/XX/XXXX took XXXX dollars out of my outside banking account and on XX/XX/XXXX took XXXX dollars out of my outside banking account. They further tried to take XXXX dollars out of my outside banking account on XX/XX/XXXX but was able to stop this transfer once I realized what was happening as my bank account was wiped out. 

This money was then sent out to XXXX Recipients in the following amounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX We reported this on XX/XX/XXXX to Credit Karma and have heard nothing back for 25 days. 

We have called repeatedly and only to get the run around from them and that " they have a special department working on it that does not take calls '' We called to dispute the XXXX charges on an account that I did not open to only be told on a recorded line that " we are unable to dispute any charges on our account '' by the Customer Service Rep. 

I chatted with your Member Support on XX/XX/XXXX to be told and I quote '' I personally will follow this case up, I understand how you feel at this moment. I would feel worried as you at this point, according to the system you have an update or resolution on Friday the XXXX, so I will take ownership of this to let you know about it. Sounds good? '' To this day XX/XX/XXXX, we have not heard from Credit Karma by phone, text or email.
Product: Credit reporting or other personal consumer reports

I recently conducted an in-depth examination of my credit report, an experience that has had a profound impact on my mental well-being. During this review, I unearthed several discrepancies that are unverifiable, invalidated, inaccurate, and of questionable nature. It is concerning that these issues persist, and I believe that your agency has a responsibility to ensure the utmost accuracy in credit reporting, as mandated by the Fair Credit Reporting Act. 

In light of this situation, I wish to draw your attention to the relevant legal provisions, namely 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which emphasize the requirement for credit reporting agencies to maintain the highest level of accuracy in their reporting. These accounts, as identified in my credit report, appear to be in clear violation of this mandate by not reporting information that is 100 % accurate. 

I must emphasize that the discrepancies in my credit report have had a detrimental impact on my financial standing and overall well-being. It is crucial that these issues are promptly addressed and rectified to restore the integrity and accuracy of my credit report. 

I kindly request that you conduct a thorough investigation into the aforementioned discrepancies and take appropriate action to ensure that my credit report is updated to reflect accurate and verified information in accordance with the law. 

Thank you for your attention to this matter, and I trust that your agency will take the necessary steps to address these issues promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have tried to rectify this with XXXX XXXX as well as the credit bureaus numerous times and all companies have completely ignored my complaints. 
I have a charge off on my credit report : EMVLP LLC/FIS - XXXX claiming {$11000.00} dollars owed when the car was turned in back at the start of COVID. The reason was the car continued to have problems where I was having to take it back to get fixed. Eventually, within 1 year of purchasing the car, the engine seized up and XXXX took the car. I have tried contacting them several times as well as the XXXX XXXX in XXXX XXXX which was where the car was purchased in reference to this. After reading up on XXXX laws, and debt collection laws here in California, what I found out is they resell the car and are supposed to apply the resale amount to your original loan, dropping the balance on the file. I have disputed this information several times with the Credit Bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The Credit Bureaus investigated with EMVLP with my inquisition of the wrong dollar amount and they came back that the information was accurate. From further reading the FCRA, if an item is deemed inaccurate/non verifiable it must be removed from the Credit Bureaus within 30 days. 
I am concerned that the bureaus did not even investigate the information, same with EMVLP not crediting the proper amount to the loan.
Product: Credit reporting, credit repair services, 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 : # 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 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 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: Checking or savings account

I GOT LETTERS STATING THAT BANK ACCOUNT WAS OPENED IN MY NAME AND ASKED ME TO SIGN AND MAIL BACK TO THEM. I HAVE NO BUSINESS RELATIONSHIP WITH SUCH ENTITY, NOR DID I DISCLOSE MY PERSONAL INFO TO THEM. 
I HAVE ATTEMPTED TO CONTACT FEW TIMES BUT THE HOLD TIMES EXENDED BEYOND XXXX MINUTES ON THEIR HOLD LINES. 

TODAY ( XX/XX/2021 ), I WAS ABLE TO SPEAK TO THEIR REPRESENTATIVES THAT CONFIRMED THE FOLLOWING : ACCOUNT OPENED IN MY NAME ON XX/XX/2021 WITHOUT MY PERMISSSION. 

IT SYSTEM WIDE ISSUE THAT BANK IS EXPERIENCING. HOWEVER, BANKER WAS NOT ABLE TO GET A HOLD OF THEIR INTERNAL FRAUD DEPARTMENT OR SHARE DETAILS OF THE BREACH. 

ATTACHED IS A LETTER ACKNOWLEDGING SUCH BREACH OR FRAUD.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got an alert saying that I missed a payment on my XXXX XXXX so I called them and spoke with a rep that said he was going to reverse the late payment and the {$1.00}. He said that in 30 days to check back and the late payment should be removed along with the {$1.00}. My card was not used the actual credit limit was still on the account. I called today XX/XX/XXXX due to my report not being updated and spoke with a Rep who said that they are sorry for the mis information the {$1.00} was removed but the late payment will remain. My issue is why would the representative before tell me that the late payment can be removed because the {$1.00} was removed from the balance. I told the rep if the {$1.00} was a mistake and you guys removed it then that means the late payment is mistake to. This is hurting my credit rating, I am in the process of buying a home and I won't be able to because of XXXX miscommunication.
Product: Credit card or prepaid card

I have used Skrill as a payment through XXXX XXXX XXXX, and I have not received my {$30.00} game card. It's been almost 24 hours and I have bought it from XX/XX/2018 around XXXX XXXX in central us time. I am angry because I have tried to contact Skrill and XXXX, but I received no email back and XXXX never replied back to my ticket. I hope you guys take this matter seriously because this is also theft. Thank you.
Product: Debt collection

I disputed it, now Im waiting on the results. But after further investigation, I was told that theyre not supposed to list a debt owed over and over again. I dont know what the debt is but the same one is on my credit report 19 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has asked that I pay a debt for {$3300.00}, {$1800.00}, {$2000.00} Acct. # XXXX that they can't show that I owe the debt i asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I asked the company 's to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, XXXX XXXX XXXX keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has said the Debt has been VALIDATED which is a lie Send Me The Proof and any all of the things I've asked I DEMAND they answer the questions asked of them. I need this for equity court I need to be sent proof of everything listed above.
Product: Checking or savings account

On XX/XX/2022, I deposited {$5000.00} at BoA 's ATM in XXXX XXXX, Michigan, but the money didn't reach my account, and the ATM didn't return my cash. The ATM swallowed my money. The bank kept asking me to wait and didn't deal with it, but I was in a hurry to use the money The ID of ATM is XXXX
Product: Checking or savings account

A third party processed a fraudulent or mistaken {$430.00} ACH or electronic charge against my Bank of America checking account. I called Bank of America to report the fraudulent charge. Bank of America froze my account and refused to open a new identical joint account for my wife and I. I am a longstanding Bank of America client ( since 1984 ). We are unable to pay bills and the funds in that account are trapped and we are being denied access to the funds.
Product: Credit card

. For the past 2 months I have been receiving a photocopy of my printed statement. The pages are black & white, the coupons are printed on XXXX pages XXXX front on XXXX page and back on another ) and the billing disclosures are illegible, the ink is smeared and impossible to read. I called last month and was assured that another statement for XXXX & XXXX would be sent. And instead another photo copy was printed and mailed. Fair Credit Billing Act requires my billing statement be legible and contain legal disclosures for billing disputes, etc. I can not even read the billing dispute address on my statement. I am not making a payment until I receive a regular bill that can be read and I expect any late charges for XXXX, XXXX, or until I get a bill to be removed. 

I would like to add to this complaint that I received a call from Macys at work on XXXX at XXXX from XXXX at that time i told them not to call me at work or on my cell anymore. I received a XXXX call also at work on XXXX at XXXX from XXXX again at my place of employment XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XX/XX/XXXX I received a letter in the mail stating I was denied a loan. One of the companies I felt had completely false information on me. For instance, in the documents attached it says that I had too many recently opened accounts, I have no idea what they mean I only opened one credit card and that was in XXXX of this year roughly. While I don't necessarily contest the fact that I don't have enough experience with loans I do have a line of credit active that I've had for the past two years and and credit card for roughly the same time, so what exactly is a time period they define as " experienced enough ''. Another point that I'm asking for clarification is how exactly does " too many inquiries adversely affect a person 's credit score? I  left a voicemail on the eve of the XXXX stating for the company to call me and if I did not receive an answer by XXXX XX/XX/XXXX. Monday ( today ) I'd file a complaint with the Consumer Financial Protection Bureau.
Product: Debt collection

Disputing Fair Collections and Out Account # XXXX Reason : I paid these charges to XXXX XXXX XXXX before it was sent to collections or before it was charged off. Also the charge for {$320.00} for month to month rent ( XXXX ) is inaccurate. My lease ended XX/XX/2014. 

I have disputed this with Fair Collection and Out first, then the credit bureaus. The collection company refuses to admit that I am not liable for this amount. They have no proof that I owe this collection account and are being unethical by continuing to report to the credit bureaus. 

Additional Documents are provided Letter of Breakdown Statement of Charges Check Stubs Lease Agreement
Product: Credit card or prepaid card

I was given a US Bank ReliaCard, which is a debit card issued to me for Pennsylvania Pandemic Unemployment Assistance. Since I began receiving the benefits on this US Bank reliacard account I've been able to perform a Card to bank transfer to my personal bank account, but for some reason I haven't been able to since XX/XX/20 and my benefit monies are accruing in their account and I can't access the funds, which I need desperately. Their website where I accessed this account and arrange for the transfer of funds no longer has the option tab for CARD TO BANK transfer. They removed it from their site. I tried to access my money through an atm and could not on several occasions. 
I tried calling them many times without being able to reach anyone and I'd always be left on hold for hours, until the call disconnected for no reason at all. Why can I net access my money? The US Bank Reliacard is holding vital funds for a lot of people and at the same time they're making money off the interest. I've read tons of complaints on this company. Is an investigation taking place? Please help me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. And as a result, false and inaccurate information were posted on my credit report... 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXXT - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft )