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

Subject : Dispute of Inaccurate Account Information XXXX  XXXX To Whom It May Concern, I am submitting this formal dispute regarding inaccurate information reported by XXXX XXXX to the credit bureaus, which I believe is directly related to my status as a victim of the Equifax data breach. As a result of this breach, my personal and financial information was compromised, leading to the reporting of an account that I did not authorize or open. 

The inaccurate information has been reported to XXXX, Equifax, and XXXX and is causing significant harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, I am requesting that XXXX  XXXX conduct a thorough investigation into this account and provide documented proof of its legitimacy. If validation can not be provided, I demand the immediate removal of the account from all credit reports. 

As a victim of the Equifax data breach, I am deeply concerned about the security of my sensitive information and my ongoing risk of identity theft. I also invoke my rights under the Gramm-Leach-Bliley Act ( GLBA ) to ensure that my financial data is safeguarded and handled appropriately.
Product: Debt collection

I feel like XXXX XXXX has fraudulently obtained my social security number in order to collect a debt! They have went as far as to contact my employer and began to garnish my wages. I dont even know why they've decided to take such action as they are not even listed down as a collection agency I owe money to on my Credit report. The only 3 agencies I owe money to are XXXX XXXX XXXX  ( hospital bill ( {$140.00} ) ), Revenue Enterprises ( 2 hospital bills ( 1 for {$210.00} and another for {$510.00} ) ), and XXXX XXXX XXXX ( apartment lease ( {$1400.00} ) ) .... not XXXX XXXX. On top of that, I dont understand why they will take away about {$200.00} from every check if 2 hospital Bill 's were under {$250.00} and the other one is  {$500.00}. The XXXX XXXX account has slowly been starting to pay off so there wouldn't be a reason for them to garnish my wages. XXXX XXXX failed to ever contact me and took wrongful action without my knowledge.. I thought my employer was shortening me on my hours.
Product: Debt collection

My most recent credit report includes accounts that I believe are incorrect and unauthorized. I ask for their prompt removal and blocking.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, and XXXX account # XXXX have 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, credit repair services, or other personal consumer reports

XXXX, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Additionally, I exercise my right to opt out of any and all authorization I the federally PROTECTED consumer may have given XXXX whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Product: Checking or savings account

XXXX XXXX XXXX XXXX open the account say I owe XXXX so Once XXXX XXXX and I dont kno or have any knowledge of this account I never open and had. I did a fair reporting credit act this should not b reporting
Product: Checking or savings account

On XX/XX/year> I attempted to withdraw {$300.00} from my SoFi checking account at an XXXX ATM located in the XXXX store at XXXX XXXX XXXX XXXX XXXX, MN. I inserted my card and the money was dispensed by the machine. As I was standing there, I became distracted and did not physically retrieve the money from the ATM. The ATM then retracted the money and displayed an error message. The message told me the money had been retracted for safekeeping and that I needed to contact my bank. 

Two days later, I opened a case with SoFi via telephone explaining the circumstances. 

On XX/XX/year> I received and e-mail informing me that my claim was denied without any explanation. 

I entered an appeal and requested all records on that same day. I have received nothing.
Product: Credit reporting

All XXXX Credit Reporting agencies allowed XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX General Number ( XXXX ) XXXX Consumer Service Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX to make an inquiry on my credit report without my permission. I also have Fraud Alerts on my Credit reports to further protect myself. A request was made by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX XXXX XXXX, without my permission when they approached me about an Interest Reduction loan. I told them I would ask my wife about it. They requested a copy of my last mortgage statement so they could estimate what they could do for me. At no time was I asked for, nor did I give, permission to have them run a credit report on me. I contacted XXXX today and the representative, XXXX, stated that they are not required to verify identity unless it is a security freeze. I know for a fact that they charge a {$35.00} fee to run a report so they have something to gain by not following the guidelines. i.e., : fraud alert indicates to anyone requesting your credit file that you suspect you are a victim of fraud. When you or someone else attempts to open a credit account in your name, increase the credit limit on an existing account, or obtain a new card on an existing account, the creditor should take steps to verify that you have authorized the request. If the creditor can not verify this, the request should not be satisfied.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated XXXX, XXXX. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication with XXXX XXXX XXXX XXXXXXXX because there is no FEDERAL OR GOVERNMENT LAW STATING IT IS MANDATORY TO TALK TO A THIRD PARTY a lawsuit will be commenced against you.Remove this account from my consumer report asap
Product: Credit reporting or other personal consumer reports

I have contacted both capital one several times & received documentation that account # XXXX credit card was in fact reporting to all three bureaus since opening in XXXX I forwarded documentation to XXXX & contacted them disputing account not reporting at least 3 times Account still not reporting. This account is in good standing with XXXX balance Plz report it Additional, capital one absolutely refuses to increase my credit limit after 3 years of excellent payment history All my other cards XXXX XXXX XXXX has increased my limits several times but they refuse despite my excellent payment history with many accounts & fair credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I notice I have a few accounts that are too old and I want them to be remove from my credit report. Please remove these old accounts from my credit report XXXX  XXXX XXXX XX/XX/XXXX (  12 years ) XXXX XXXX   XXXX XX/XX/XXXX ( 10 Years ) XXXX XXXXXXXX XX/XX/XXXX ( 11 years ) XXXX XXXX XX/XX/XXXX ( 8 years )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Alternate Email : XXXX XX/XX/XXXX Complaint Number : # XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Request for Provision of Free Credit Report Under the FCRA Dear Sir/Madam, I am writing regarding the response I received on XX/XX/XXXX, in connection with my repeated requestssubmitted on XX/XX/XXXX, and XXXX, XXXXfor my free credit report as provided by the Fair Credit Reporting Act ( FCRA ). Rather than addressing my valid request to access my credit report, your response focused solely on disputed items and inaccurate information, which is unrelated to the matter at hand.

Under the FCRA, specifically 15 U.S.C. 1681m, I am entitled to one free credit report annually from each of the nationwide credit reporting agencies. My original communication clearly requested my credit report ; however, your reply does not provide any information or guidance regarding my right to obtain this report. This omission appears to be a failure to comply with the statutory requirements mandated by federal law. 

Accordingly, I respectfully request that you : 1. Immediately provide me with a complete copy of my current credit report in full compliance with the FCRA.

2. Furnish a detailed explanation as to why my original request for my free credit report was not addressed in your prior communication.

3. Outline the corrective actions that will be taken to ensure compliance with my rights as a consumer under federal law.

Please consider this letter a formal dispute of your inadequate response. Should I not receive a satisfactory resolution within 15 business days from the date of this letter, I will be compelled to take further action, including escalating this matter with the Consumer Financial Protection Bureau and seeking legal recourse. 

Thank you for your prompt attention to this serious matter. I look forward to your immediate response. 

I also have a copy the original complaint as well as California driver license social security card for identification purposes Sincerely, XXXX XXXX ( XXXX ) XXXX Email : XXXX Alternate Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company : Fifth Third Bank First the number listed on website isn't the correct number I had to call a different one. I noticed an email notifying me that a hard inquiry was pulled on my account today I don't know the bank or use it. I don't give out my social security information.
Product: Money transfer, virtual currency, or money service

I accessed my Wells Fargo account on-line in order to make a transfer from my checking account to another bank ( XX/XX/XXXX ). While entering the transfer information, I recognized that the last four digits of the XXXX XXXX account had been changed, and did not match the actual account numbers for XXXX. I stopped the transfer and called the Fraud and Security number at Wells Fargo, and deleted the transfer information for XXXX XXXX. I also sent an e-mail to Wells Fargo telling them that someone internal to Wells Fargo had changed the account numbers, and any transfer I made would not have been to my actual XXXX account. ( This was the second time I had the numbers on an account changed ; my Wells Fargo savings account numbers were changed about 3 years ago. My HRA deposited all my health reimbursements to that account, and caught the change in account numbers and called me. ) The phone call to the fraud unit resulted in the Wells Fargo unit cutting off my access to their on-line website, and then refusing to reinstate service until I went to a branch office to prove my identity ; they would not accept my SS number or my information on my checking account activity, such as last deposit made. I went to the branch office on XX/XX/XXXX, and a bank officer made the calls to their fraud unit to get my access to my own accounts reinstated. In spite of the bank officer calling from her office, and having my drivers ' license, checkbook, and all my information, the customer service person ( XXXX? ) proceeded to interrogate me and refused to give me access to my account until she completely went through her procedures. After an hour and 10 minutes, the bank officer tried to re-establish my access on-line, but it was still blocked. After we were put on hold several times, a new voice said our wait time would be 20 minutes more. We terminated the call and the bank officer said she would file a formal complaint, and would keep trying to gain access. She was unsuccessful, and I had to return to the branch office on XX/XX/XXXX. She again called an internal Wells Fargo unit, and we were successful in reinstating my access to my account. At no time was there any concern about the account numbers being changed. I am now in the process of getting 4 direct deposit monthly payments changed to another bank ; I have closed my savings account and deleted all other transfer accounts. Again, Wells Fargo never addressed the core issue of account numbers being changed internally by unknown Wells Fargo personnel.
Product: Credit reporting, credit repair services, 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 are the list of accounts which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX Balance : {$7000.00} ; XXXX XXXX XXXX XXXX Balance : {$3900.00} 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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXX  XXXX {$9000.00} XX/XX/XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX & XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX  XXXX  XXXX {$320.00} XX/XX/XXXX XXXX  XXXX  XXXX {$510.00} XX/XX/XXXX XXXX  XXXX XXXX {$460.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$16000.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am unaware of this debt and I did not have an opportunity to dispute this debt. I did not receive proper notification. If in fact you believe that I received proper notice, please provide the certified mail of the receipt with my signature on there certifying I received it. And I submit to the CFPB as my witness that this company is known to never do their due diligence as XXXX XXXX Caine & Weiner XXXX has so clearly demonstrated. And they blatantly ignore the Federal Debt Collections Practices Act ( FDCPA ) as XXXX XXXX XXXX CAINE & WEINER COMPANY , INC .
Product: Consumer Loan

To whom it may concern, On XX/XX/2016- I accepted a balance transfer offer on my Chase account ending in : xxxx for the amount of {$7000.00} with a fee of : {$140.00} On XX/XX/2016 : Chase approved my request and mailed a check to my requested party XXXX account ending in : xxxxx XXXX please see attached ) After contacting Chase on numerous occasions, I have been told it takes XXXX days to see the check post. 

On XX/XX/XXXX I contacted Chase again, and was told the check was cashed, and the check number was as follows : check number : xxxxxxxx for XXXX. 

On XX/XX/XXXX I messaged my credit union this message : I am so frustrated with Chase, as the payment to XXXX ( for the visa payoff ) has still not arrived. I just got off the phone with Chase and got a check number from them.. They state the check number is as follows. 

xxxxx in the amount of {$7000.00} Name on the check would reference me : xxxx. But the check was made out to XXXX and was to pay the visa off, and put reminder in the checking account. 

can you see if you received this check, or it got posted to someone else account, please? 


On XX/XX/XXXX My bank has informed me no check has been received by the credit union from that vendor, on that check number made out to me. 

Hello xxxx Thank you for your response. With the information you 've provided I 've performed multiple searches in our system to locate that item, but I do not see it having posted to either your or anyone else 's account. At this point it does not appear that the check made it to us. Is Chase able to cancel the check and send a new XXXX? It may be it got lost in the mail and issuing a new one may be the simplest solution for you. 

My only concern would be if Chase claims the check has already cleared an account. In that case they should be able to provide you with an image of the cleared check. Typically on it would have the account it was deposited to written on the back. If they do n't have an image available then it has n't been negotiated which would lead me to believe it definitely got lost in transit somewhere. 

If you have any more questions or concerns feel free to contact us again. 

Thank you for choosing XXXX! 

As of XXXX/XXXX/2016 : I now have a balance with my XXXX Credit Card still, and now also have a balance on my chase card ending in xxxx. I am now making XXXX Credit Card payments, and Chase just gives me the run around. I have informed Chase that the check did n't apply to my account please open an investigation to see who cash the check. They refuse to assist me, and here I am with a credit card balance, and I did n't get the benefit. 

I am now filing a complaint withe Oregon XXXX XXXX, as I am being given the run around. This balance transfer was suppose to happen in time for XXXX, but now I am out more money than thinking I was going to save. Thank you XXXX for ruining my XXXX. 

Please assist. 
Rs
Product: Credit reporting or other personal consumer reports

Hello, Please refer to the attachments pertaining to XXXX XXXX XXXX data breach.
Product: Credit reporting or other personal consumer reports

realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. Experian is reporting late payments on two accounts XXXX XXXX XXXX Account XXXX and XXXX XXXX XXXX XXXX Account XXXX or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave Experian written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states 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 method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to Experian violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint today to inform you that this is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular accounts position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct these accounts which are inaccurate from my personal credit file : US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, 2018 Balance {$1500.00} ; US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, 2018 Balance {$1500.00}.
Product: Credit reporting or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still incorrect to which all 3 credit bureaus are showing different information for the accounts listed below. 

The consumer reporting agencies which is Experian did not modify or removed anything. The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports to which is a violation. This is impacting me from moving forward to buying a house for my family. I attach my previous credit report and my new credit report to show how Experian violated my rights. 

1. Credit Bureau XXXX Experian Creditor : XXXX  Account Number : XXXX 2. Credit Bureau : Experian Creditor : XXXX XXXX XXXX Account Number : XXXX 3. Credit Bureau : Experian Creditor : XXXX XXXX Account Number : XXXX 4. Credit Bureau : Experian Creditor : XXXX  Account Number : XXXX 5. Credit Bureau : Experian Creditor : XXXX/XXXX  Account Number : XXXX 6. Credit Bureau : Experian Creditor : XXXX XXXX XXXX  Account Number : XXXX 7. Credit Bureau : Experian Creditor : XXXX XXXX Account Number : XXXX