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

I'm filing this CFPB complaint that you Equifax consumer reporting agency are reporting inaccurate and incomplete information. 



15 USC 1681e ( b ) Compliance and procedures ( 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.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me with a copy of verifiable proof, you must DELETE the account listed below. 

Please be aware that automated responses or e-OSCAR verification are unacceptable for addressing this matter. A detailed re-investigation and explicit disclosure of your verification method are required as per the statutory guideline. 

I demand that the following accounts be validated or DELETED immediately : Account name : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$8200.00} Account name : XXXX XXXX XXXX XXXX. 

Account number : XXXX Date opened : XX/XX/XXXX Balance : {$430.00} Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$9300.00} Account name : XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} In addition, DELETE all non-account holding inquires over 30 days old. Also, please add a promotional suppression to my credit file. 



Under federal law, you have 30 days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint about XXXX XXXX and XXXX Credit Bureaus. I submitted a dispute letter to them containing blatant inaccuracies dated XX/XX/2021 and they are not complying with their own policies nor are they complying with the FCRA in a timely manner.
Product: Debt collection

I have been disputing this account for some time now with XXXX XXXX. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit card

Received a letter in the mail on XX/XX/2024, stating I applied for a CHASE FREEDOM Visa Platinum credit card. In the letter it stated they needed more information in order to process the application.

I did not apply for this credit card. I called JP Morgan Chase Bank, they saw an application for this card. I gave them the reference number that was on the letter, and they closed the application/account due to fraud. 
I also contacted XXXX and reported this to them as well. The fraud department removed it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted many letters to Equifax over the pass year notifying them that they have an incorrect birth year for me. Equifax have a birth year of XX/XX/XXXX. I was not born in XX/XX/XXXX, I was born XX/XX/XXXX. Please help me to get this information updated on my credit file. I have sent Equifax proof of this statement.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle numerous times, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds would be impossible. The CFPBs findings indicate Zelle has not only neglected to protect consumers but has allowed repeated offenders to exploit their system, leaving users to vulnerable scams.
Product: Debt or credit management

This is XXXX XXXX XXXX the second, my identity has been stolen and I lost my credit and my accounts.my credit has been used for black cards and to take out loans to start companies.i literally own XXXX and XXXX the companies them themselves.why have I lost my credit? this is a major problem.i own chime cash app, XXXX  XXXX, XXXX, XXXX XXXX along with many other companies.i need help asap thank you
Product: Credit reporting or other personal consumer reports

There are 26 inquiries on my credit file that are not my own. Most of them were done within the last 4 years. 

There are 7 addresses on my credit file that are not mine. I sent them my correct address and driver license and a bill to verify this, and they still would not correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  ( Finance ) INQUIRY IS FRAUDULENT FROM XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX INQUIRY IS FRAUDULENT XXXX ( Bank ) XX/XX/XXXX INQUIRY IS FRAUDULENT XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXXXXXX XXXX ( Hotel and travel ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX & # XXXX ; XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX  ( Construction ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX ALL THE INQUIRIES ABOVE ARE DUE TO IDENTITY THEFT AND IS FRAUD AND TRANSUNION AND XXXX REFUSE TO REMOVE THIS INQUIRIES FROM MY CREDIT PROFILE SINCE IT IS INACCURATE INFORMATION
Product: Checking or savings account

I did a job for a client. They endorced a check to me. I deposited chance made it available but wont let me access me account or money. I been calling them off and on now for 2 months. Morning. Apparently they can verify the # I give them but cant get anybody on the phone. So theyve closed my account and my funds are unavailable. Ive talked to several people and was told to contact you guys hopefully u can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on XXXX XXXX from XXXXXXXX XXXX XXXX  XXXX  XXXX from purchase made on XX/XX/XXXX which I did not authorize on purchase made. I asked before purchase to salesperson XXXX XXXX at store XXXX I had an account she stated it's open account from XX/XX/XXXX and she just needed to update Information job history and address I asked if it was going to be a hard inquiry because I didn't want one on my credit report she stated it would be a soft inquiry because they do in house finance and I already had an open account in good standing. I then made a purchase amount of XXXX I paid XXXX cash in store with a balance of XXXX on XX/XX/XXXX and made a XXXX payment on XX/XX/XXXX I recently seen a hard inquiry on credit report from Synchrony bank for XXXX XXXX. I called both parties on XX/XX/XXXX and Synchrony bank has no Account with me and XXXXXXXX XXXX XXXX  states I have a in house account with them and not with Synchrony Bank. I called XXXX XXXX in XXXX XXXX and they said they cant help me but they will check into it. As of XX/XX/XXXX I have an open account from XX/XX/XXXX with XXXXXXXX XXXX XXXX  a hard inquiry from Synchrony bank for XXXX XXXX XXXX and no current account Information from purchase of XX/XX/XXXX from XXXX XXXX  on credit report. Please help me thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX SC XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct 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. 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c ( 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 7 years, 15U. S.C. 1681 s-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 opened a checking account with Truist on XX/XX/XXXX. The main reason I opened an account with Truist was for the XXXX sign on bonus. The screen shots indicate that as long as I had 2 qualifying direct deposits within 120 days of account inception I would get the bonus. Since my bank is due to send them XXXX via direct deposit on XX/XX/XXXX, I attempted to log on to my Truist app today and was given multiple prompts to reset passwords and finally after resetting it 3 times in 5 minutes I decided to call because it kept telling me that the services I was requesting was invalid. When I called, I was told that my account was closed due to inactivity. But wait, they said I had 120 days to meet the criteria, not 60 days. They have spammed me with over XXXX emails since I opened the account and never once did they threaten to close my account or even mention that there were other criteria that needed to be met in order to keep my account open. Another thing, when I called them today, they want to access my account by my full social security number. Sounds a bit unethical in many ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan taken out through credit acceptance in XXXX of 2017 has been charged off or sold to another company XXXX XXXX and XXXX XXXX account remains open on my credit report through Credit Acceptance and does not reflect that it is now in collections showing continuous missed payments. 

XXXX was in an accident and debt should be cleared after given gap insurance but I was forced to take warranty on car causing an extra fee added to account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach XXXX XXXX XXXX XXXX XXXX XXXX  SUNSET FINANCE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you in order to let you know that there is a need of investigation. Recently I checked my profile/ credit report and I saw fraud accounts and inquires there. I do not know how that possible but I do not recognize any of them. I am victim of identity theft, maybe somebody put my name or just used my personal data or anything else but I insist on investigation and AFTER PLEASE DELETE THEM all. I am very sad that this happened to me as well and honestly it ruined my plans. I am very responsible person and I have never had something like this in my credit report. Please recheck this misleading information asap and delete from my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to the Federal Trade Commission that I am an identity theft victim because someone stole my phone, identification, wallet, credit cards, etc. I have disputed incorrect informatio n ( b ankruptcies, liens,  XXXX   XXXX   XXXX  and   XXXX   XXXX    ) b eing reported on my credit reports with the  XXXX  credit bureaus but to no avail. I am a victim of identity theft. I have placed an identity fraud on all of my reports, I have contacted the clerks from the superior courts and  XXXX   XXXX   ( w hich has a freeze on reporting any information to any agen cy ) to  inquire about erroneous information being report and was informed by them that they are not reporting any information to the  XXXX  credit bureaus. This has caused a hardship for me and I am prepared to file a complaint in civil court to resolve these matters if they are unwilling to resolve these issues..
Product: Checking or savings account

i am writing to file a complaint against navy federal credit union regarding multiple regarding multiple overdraft fees i have incurred despite having sufficient funds when transactions were authorized i was charged fees due to lagged posting of charges and credits.this issue aligns with the recent cfpb findings against navy federal for similar practices where transactions settled with insufficient balances despite initially available funds.i believe these practices are unfair and requestan investigation into my account transaction
Product: Credit reporting or other personal consumer reports

They have received copies of the tribal declarations dated XX/XX/year> and have not discharged the debt. There are no more negotiable instruments left or type to send. Only other means I have will be labor.

The attached declaration has the seals of three notaries, and the seal of the XXXX XXXX XXXX as the debtor. The XXXX and the Person/Individual are all listed on the document and it is filed and numbered at the XXXX of XXXX XXXX stating they are responsible for the debts and the instrument is presented, valid to discharge the debt. They have received every form of instrument, and they have not discharged this debt. This AMEX has chosen to keep it alive, keep every instrument sent certified, close the account and recently declare me dead.
Product: Checking or savings account

On XX/XX/XXXX, I have opened a new Bank of America business checking account through a promotion link in the special offers and deals section of my accounts dashboard ( when logged in ). Based on my notes, the promotion code in the application was automatically populated as XXXX. The terms of the offer were that I would receive {$1000.00} bonus when I open a new business checking account and complete the following requirements : - Make Qualifying Deposits of {$30000.00} or more in new money within 30 days of opening the new business checking account - Maintain an average balance of {$30000.00} or more for next 60 days ( day 31-90 ) during the maintenance period I've made the deposit of {$30000.00} on XX/XX/XXXX and have maintained this balance through XX/XX/XXXX. I have met the terms of the offer, but have not received the {$1000.00} bonus as advertised for meeting the requirements. 

On XX/XX/XXXX, Bank of America had indicated that the promotion code that was auto applied was expired and therefore not valid. The promotion code was auto-populated when I've applied for a new business checking account through the special offers section of my Bank of America dashboard XXXX I've attached a photo that shows the promotion on my desktop when opened as well as the date of XX/XX/XXXX. The invalid code auto-populating seems to be an issue with B of A IT and shouldn't be the customer 's problem as I've applied for a promotion through a valid link and have fulfilled all of the terms.
Product: Mortgage

Freedom Mortgage consistently mis-applies my monthly payments to the incorrect accounts. In this most recent example, an additional principal payment of {$3000.00} was applied to my escrow account. They really are a very poor mortgage servicer.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumers-provided evidence to furnishers, accepting unreliable responses, and failing adequately notify. consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notification back from the bankruptcy courts that states they never provided my information to a third party reporting agency and under the Privacy Law of 1974, Under 15 USC 1681 a ( 2 ) ( A ) ( iii ) a consumer must be given a chance to direct weather information about a transaction should be reported, ( opt out law ) any authorization they believe they have they no longer have.XXXX XXXX, XXXX XXXX, XXXX and Experian has violated my right to privacy by furnishing private information without my written consent, I would like the unauthorized negative report to be removed in four days with a copy of all four reports showing the removal according to the law.
Product: Mortgage

XX/XX/XXXX : I applied for PMI removal. I met all qualifications, but I was still denied PMI removal with no explanations. 
XX/XX/XXXX : I re-applied for PMI removal and met all qualifications. Spoke to multiple representatives with the company who gave me multiple answers ( some telling me I was denied, others telling me it was taking longer than expected, others telling me I was approved ) XX/XX/XXXX : I finally received contact from the company, and I was approved. The PMI would be removed, but it could take up to 30 days. 
XX/XX/XXXX : Spoke to customer service with no help. They told me to pay XXXX 's mortgage, that I would be refunded the overpayment, and that it would come off for XXXX 's payment. 
XX/XX/XXXX : the PMI has still not been removed. I spoke to customer service, and they seem as confused as I am about why it hasn't been removed. 

Every time I call the company, I speak to someone different who has an entirely different story, and they all seem very confused as to why this PMI still hasn't been dropped. This is just a small number of examples of phone calls I have had between myself and this company. Any time I call them, no one answers the phone, or they put me on hold forever with no answers. I will be transferring my loan from their business as soon as interest rates drop, and I would NEVER recommend them to anyone. However, for now, I need this fixed and to know that I will be getting my refund of overpayment ( which I am not holding my breath for ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe Ive been impacted by the XXXX data breach. I have inaccurate information reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is furnishing false information on my consumer report. I have reached out this company many times about this fraudulent information. All they have said is that the account was verified which is impossible this car was never taken from me an the balance was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting inaccurate and unverifiable information on my credit profile. I have reached out to dispute this information and they said the information was verified. I have reached out the the court and they furnished me a letter stating they have not verified nor reported any information to Lexis Nexis.