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

un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$700.00} written off. {$700.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Transferred, closed. {$4.00}, XXXX written off. 

Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6200.00} Balance updated XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Deposit Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$600.00} written off. 
Status updated XX/XX/XXXX Balance {$600.00}
Product: Checking or savings account

On XX/XX/2023, my card was unauthorized used at XXXX XXXX for XXXX and some change. I had no knowledge of this transaction taking place. My wallet had been stolen on the XXXX out of NY car and my card and wallet was in there. 

On XX/XX/XXXX I filed a dispute XXXX with chime XXXX XXXX. I let them know the urgency of my situation as I am a single dad and the money taken was our rent money. I sent two emails as well as a filed police report to ask if my provisional credit could be expedited. Instead chime sent me a generic email twice and refused to let me speak to anyone in the investigation unit. This has been frustrating as they will not issue any updates or respond to request for expedited credit.
Product: Credit card or prepaid card

I have a loan with NAVY FEDERAL CR UNION. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Bureau ) and NAVY FEDERAL CR UNION with no successful resolution. ( Bureau ) was the only one / were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Equifax Attn : Dispute Department XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Request for Removal of Unauthorized Credit Inquiry Dear Sir/Madam, I am writing to formally request the removal of a credit inquiry from my credit report that I believe was made without my authorization. I have reviewed my credit report and identified an inquiry that I do not recognize or recall authorizing. 

The details of the inquiry are as follows : Creditor/Company Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Inquiry Type : Hard inquiry I did not initiate or authorize this credit inquiry, and I request that you investigate the matter. If you are unable to verify my authorization for this inquiry, I ask that it be removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report. Please let me know if you need any additional information or documentation from me in order to proceed with this request. 

I appreciate your prompt attention to this matter and look forward to your confirmation of the removal of this inquiry. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 someone used my information and tried to open an account at XXXX XXXX and XXXX XXXX XXXX. Both applications were denied due to the applicant being unable to submit proof of identity. However the inquires are being reported on my Equifax credit report. I was trying to buy a house in 2018 and these inquires lowered my score affecting my ability to purchase a home at the interest rate I deserve. I filled a dispute with Equifax and the results of the investigation were as follows : Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. It listed the company 's mailing address but not the phone number, so I had to XXXX and wait on hold and be transferred multiple times before I found the right department. After speaking with both companies, I was told that they will submit a request to all 3 bureaus to have the inquiry removed. I waited 90 days as instructed then checked my report on XXXX XXXX. The inquires were still being reported. I have called Equifax, XXXX and XXXX XXXX XXXX 6 times since this and the issue still has not been resolved. This is not only frustrating but preventing me from giving my children a home. This is unfair and if this is not handled soon I will take this to the media. I'm sure XXXX would run a feature on it considering I have documentation, emails and recorded phone calls. It should not be this hard to remove fraudulent inquiries.
Product: Credit reporting or other personal consumer reports

All collections and charge off accounts and hard inquiries needs to be removed immediately from my credit report because it violates my consumer rights the information you have is inaccurate and incorrect and needs to be removed Asap I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Transunion credit reporting ^r agency block all of the accounts, collections, and hard inquiries identified in this CFPB ^r complaint from my consumer credit file within 4 business days of receiving said complaint. I ^r request that all written confirmation regarding this CFPB complaint be sent to me via email to ^r XXXX
Product: Debt collection

In XXXX XXXX XXXX  more than once I explained rule 15 USC 1692G & asked the creditor to send me a copy of the full detailed list of the payment history, a copy of my original signature that I agreed to on the contract, Has there been any insurance claim found on this debt, and I ask if I can see the chain of title to collect this debt. 

However the debt collector was very unprofessional & rude as he stated he does not have any of that information Ive requested. Ive also ask the creditor to cease all communication & to stop harassing me by calling my phone & any other ways theyve tried to contact me.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to XXXX XXXX XXXX ( XXXX ) ( b ). And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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. and according to XXXX XXXX XXXX they are suppose to 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. 

These companies has also violated XXXX XXXX. XXXX violates my rights. I DID NOT receive the required opt-out notice at the time the account was created that the account would be reported, I have the right to opt-out from any reporting of non-public information.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to verify and correct inaccuracies related to the following accounts on my credit report : XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX For the past XXXX months, I have repeatedly disputed these accounts and requested verification, yet Equifax has closed my disputes, claiming the accounts are verified as reported without providing any documentation to support these claims. 

Key Issues and Violations : Failure to Provide Validation : Despite multiple requests, Equifax has not provided any proof that these accounts belong to me, violating my rights under FCRA Section 609 ( a ) ( 1 ).

Inconsistent and Contradictory Reporting : The XXXX account is marked as Current but shows late payments, which is contradictory. The late payments make absolutely no logical sense ( attached ) The XXXX XXXX XXXX account has inconsistent high balances and a future reporting date ( XX/XX/2024 ), which is impossible. 
Inaccurate Dates and Balances : The dates of last activity and reported balances vary between bureaus, violating FCRA Section 623 ( a ) ( 1 ), which mandates accurate reporting.

Failure to Delete Unverified Information : Under FCRA Section 611 ( a ) ( 5 ) ( B ), if Equifax can not verify these accounts, they are required to delete them. Their failure to do so is a clear violation.

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate XXXX failure to comply with the FCRA and mandate the immediate deletion of these accounts from my credit report. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Experian is doing a fraudulent investigation currently with me at the moment. There investigation is illegal fraudulent and biased. They are making false claims to me and and trying to make the process harder and harder on me. They first claimed that they couldnt block because I didnt attach my identification which I did attach but I went ahead anyway and sent again plus called and the agent said that they received them and would block within 4 days then after a few days I get another email this time saying there is no proof that I filed the ftc report with law enforcement which is a lie because it is notarized with stamp I called again and now on this 3rd attempt they are saying now the images are blurry which they are not. Experian is conducting there investigation fraudulently and biased they arent trying to help me with my identity theft issue and need to be held accountable for how they are performing this I am attaching my identity theft report with the ftc along with my license and proof that XXXX has already agreed to take off the credit bureaus target is ignoring me. These are the exact files and photos I sent to Experian about this investigation. I have XXXX disputes with them at the moment one with XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX these illegal accounts Should have been taken off weeks ago Experian is purposely dragging this out and being fraudulent and biased in process this is illegal and not fair
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX  on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to Equifax, XXXX, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Knowingly lying, making false statements or concealing vital, significant and pertinent information, data and/or book entries can, may, and will imply that you admit you are secretly engaging in the practice of sca

mming people, extorting people, and deceiving the people and you admit that this is true and correct if you do not honor this request. " Whoever, having taken an oath before a competent tribunal, officer, or person, in any case in which a law of the United States authorizes an oath to be administered, willfully and contrary to such oath states or subscribes any material matter which he does not believe to be true, is guilty of perjury and shall be fined no more than {$2000.00} or imprisoned not more than five years or both. '' 18 U.S.C. 1621, 18 U.S.C. 1001
Product: Checking or savings account

This is a follow up complaint to the complaint # XXXX described below. Wells Fargo 's reply to that complaint stated they could not find the CD account ending XXXX. Well, duh. That is not my CD account number, which ends XXXX XXXX. That number is clearly printed on the CD and the receipt for same. They need to more " thoroughly review '' their records and find my deposit. I also want to know how a renewable CD with interest reinvested can be " inactive '' or " dormant '' and turned over to the State without notifying me. Here is my original complaint : On XX/XX/XXXX I deposited {$15000.00} with Wells Fargo Bank and received a Certificate of Deposit. I still have it. On the back of this Certificate of Deposit is a cash register Transaction Record receipt for the same amount and a " Thank you, XXXX ''. I forgot about this cd which was to renew in 180 days at 5.02 % interest. Now retired, I'm trying to organize my finances and I discovered the fancy, scrolled, member FDIC, Certificate of Deposit and contacted Wells Fargo to ask about my welcomed discovery. After their search, they said they have NO RECORD of it. What? They said that I should check my state 's Unclaimed Property roster. I did, with no luck. I don't understand how my deposit could be handed over to the state, if that's what happened. I am and have been a Wells Fargo customer since XXXX. I don't understand how a renewable certificate of deposit could be considered " inactive '' and seized by the state, if that is what happened. Also, if this renewable cd was deemed inactive, why didn't the bank contact me? They have my address, the state does, too ( I file taxes every year. I am not dead, yet ). Should I have kept my $ XXXX under my mattress instead of with Wells Fargo?
Product: Student loan

During Co-Vid I had this agency reach out to me regarding my student loans. I was ensuring that they were part of the Fed loan student processing center. They have informed me that if I make consistent payments of {$39.00} monthly for the next 10 years, my remaining balance will be removed. They sent me documents via mail and email, with the Department of Education logo. I was convinced it was the Department of Education. 
Moving forward, when I received my letter from XXXX, which I was transferred to I contacted them. I informed them that I have been making payment monthly since XX/XX/2022, of {$39.00}. They ran the agency I was in contact with and informed me this was fraudulent. The Fed loan Consolidation department is not with the Department of Education. XXXX provided me with all the websites I must report to. 

This third party agency has all my information. I had to close my checking account with XXXX XXXX and open a new one because I had them on auto-pay. I have paid this since XX/XX/2022, until the present day in the total amount of {$810.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to violate section 623 ( a ) ( 1 ) ( A ) of the FCRA which states credit reporting agencies have a legal obligation under the FCRA to ensure the accuracy of the information they furnish.Equifax clearly failed to do so as required by Federal law. 
EQUIFAX STATED MY ACCOUNT WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE THE ACCOUNT STILL REMAINS ON MY CREDIT FILE. Equifax stated they confirmed they verified the account from XXXX and Court records, I HAVE ENCLOSED AN LETTER FROM THE COURT AND XXXX SHOWING HOW EQUIFAX VIOLATED FEDERAL LAW. In fact XXXX could not verify the Bankruptcy that Equifax claims to have verified from XXXX, THEREFORE EQUIFAX NEVER CONDUCTED AN INVESTIGATION ON THE FOLLOWING XXXX  XXXX FILE NUMBERXXXX.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking through my credit report yesterday XX/XX/20 because I will be applying to rent an apartment next month but I saw some accounts on there that I never opened. I'm not sure why these accounts are on my credit report since I have never allowed anyone to open any account or loan in my name. The accounts are from these places. XXXX XXXX, XXXX  XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX None of those accounts are mine nor am I affiliated to any of those companies in any way ; I do not have any written or verbal contract with any of those companies. I did not benefit anything as a result of these accounts being open in my name without my permission ( money, services, goods ). I have already filed a police report regarding these suspicious accounts.
Product: Checking or savings account

My checking account was first suspended on XX/XX/year>. An account suspension restricts any access to the account funds and blocks any deposits/withdraws/transactions. I believe it was an error as I share my XXXX with my significant other and he might have thought he was logged into his own checking account when attempting to link it to his external account. This is a guess as I did not receive any correspondence to the actual reason. 

This same day I contacted the banks customer service line by phone and was told by the representative I would receive an email explanation of the account suspension within a couple days. I also emailed their customer support directly. The email I later then received was to again contact the customer support line. I contacted them once more and they continued to not provide an explanation to the suspension and to continue to wait. 

I waited for XXXX weeks with no correspondence from the bank. I again contacted the bank by phone and sent an email to their customer service address on XX/XX/year> for a further explanation. They continue to say to wait for an email. 

I requested to have a supervisor contact me regarding the matter. The bank refused. 

I requested a ticket number be created for reference and traceability. The bank refused. 

The bank is being uncooperative, not transparent, and is withholding access to my financial funds for an indefinite period of time. I have no access to my account funds of {$1300.00} to withdraw and have no reason why or for how long. I need access to these funds for my personal financial support and this is a time sensitive matter.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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