23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against XXXX. On XX/XX/2020 XXXX  processed a dispute request that I sent certified mail.

The dispute for the account with JEFFERSON CAPITAL SYSTEM that starts with XXXX has been received and should be completed by XX/XX/2020. 

Source : XXXX  Date Submitted : XX/XX/2020 Estimated Resolution Date : XX/XX/2020 Report Number : XXXX Account Number : XXXX Company : JEFFERSON CAPITAL SYSTEM Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX On XX/XX/2020, XXXX  reported that the disputed account had been updated. I reviewed the account and no information had been changed. The account is still reporting a fake open date that in fact has re-aged the account. The open date is reporting a dated more recent to reflect that the account is newer than it really is. They are reporting that the original balance on this account was {$1100.00} which is inaccurate. The account is reflecting that this is a term account for one month which inaccurate. I requested proof of this and was not provided any validation into all of these inaccuracies and false information reporting on my credit report. I also filed a dispute directly with Jefferson Capital System. The letter was sent certified mail, return receipt. I have received confirmation that Jefferson Capital System is in receipt of my validation letter. As of today, I have not received a response from Jefferson Capital System. XXXX  is aware of all of the inaccuracies and they continue to report this account on my credit file. 

On XX/XX/2020 I re-disputed this account and specifically as XXXX  to VALIDATE the debt. They refused to validate the debt. XXXX sent back a notification on XX/XX/2020 stating that that account was updated. The account is still reporting all of the inaccurate information that it had been previously reporting. 
The dispute for the account with JEFFERSON CAPITAL SYSTEM that starts with XXXX has been received and should be completed by XX/XX/2020. 
Source : XXXX  Date Submitted : XX/XX/2020 Estimated Resolution Date : XX/XX/2020 Report Number : XXXX Account Number : XXXX Company : JEFFERSON CAPITAL SYSTEM Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX On XX/XX/2020 I received this updated message from XXXX. 
What happened? 
The dispute for the account with JEFFERSON CAPITAL SYSTEM that starts with XXXX has been updated. 
Source : XXXX  Date Submitted : XX/XX/2020 Report Number : XXXX Account Number : XXXX Company : JEFFERSON CAPITAL SYSTEM Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX  is still reporting inaccurate information on my credit file. They are refusing to validate this date. They are also refusing to provide me with who/where they requested this information from. What process they used to validate or obtain this information.
Product: Credit reporting 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. 
Agency : Experian, XXXX and XXXX Account Name : XXXX XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies. 

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit card

On my previous month 's credit card statement for XXXX, I made a payment at the end of the month for {$1800.00} which was the outstanding balance on the card. I paid the full balance and saw my account go to {$0.00} balance on the card. The following day, my card information was used to make four separate purchases for XXXX for the total amount of {$490.00}. I got a message from Wells Fargo saying my account would be frozen until I confirmed these purchases. I did not confirm them and instead confirmed them as fraud charges. I reported this to the fraud claim department and told them the issue. They proceeded to say they were opening up a claim with the merchant for those purchases and that they should be removed and canceled within 7-10 business days. I waited and nothing happened to my account. Then, the charges from XXXX disappeared from my statement and were removed, but the balance of {$490.00} remained in my account. I then called again to tell them what was going on and another claim was put out against those charges, at least that's what I was told. A few days later I received a letter in the mail that said after researching the issue, they concluded that the problem was resolved and that all of the purchases were made by me because I had my credit card in possession at the time of the charges. I did have the card in possession, however, I am certain these were fraudulent charges made online using my card information, which was most likely stolen from a card skimmer. The balance of those charges is still in my account and my current balance shows now {$1000.00} due for the month of XXXX, however, that number does not even come close with the charges purchased on the card for the month statement. They have not helped me resolve the issue and still expect me to pay this balance, when I did not make those purchases.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX this is an old account and it is still reporting on my credit report. I have requested it to be removed and it keeps reappearing on my credit report. This account is over XXXX XXXX XXXX paid in full and needs to be removed and not reappear on my report
Product: Checking or savings account

I met at two chase branches to dissolve an inherited IRA. Neither branch would complete the transaction correctly or follow up to help with my request. All documents were given to both branches
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern My name is XXXX XXXX i got my credit report about a month or to back and saw somethings that wasnt correct for starters my name is not XXXX XXXX XXXX it is XXXX i also had inquireys that i never made i called the companys and the credit bureaus and no one can seem to help me so i was googling legal Options and came accross you and your my Last resort
Product: Checking or savings account

I am the Executor of the Account in Question : originally I was told it would take 30 days to close this account. The explanation given was : " our backroom processing was behind in the closing processes ''. This was XX/XX/23, I explained to the Bank Officer/Notary that the account was only earning .10 % with an amount of {$180000.00} and the beneficiaries would like to have the money in a higher earning account. She said she would push the process along and we could expect the check in about 3 weeks. XXXX XXXX XXXX was the Officer. I called the Cust. Service number and went thru the entire process with another person for over 45 minutes. She said that the paperwork was misplaced and she would get it processed asap. ( XX/XX/23 ), our line was disconnected and I never heard back from her. XX/XX/23, still haven't rec 'd funds! Called a branch in XXXX, spoke with a wonderful banker there, XXXX, she told me that the branch dept. still hadn't processed our claim. XXXX was very helpful and assured me that she would personally finish this transaction and send the funds asap. After having spent 26 years in Banking myself, I find that the initial Banker involved should have taken the same tact and followed this request with the same attitude as XXXX. XXXX if you have questions!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are issues with my credit reports of accounts I have no knowledge of or authorized I have Delinquency marks that shouldnt been there and Im XXXX with XXXX and Im unable to pay or complete payments on my own my father XXXX XXXX is the one responsible for making all my payments made
Product: Credit card or prepaid card

I contacted Citizen 's Bank on XX/XX/XXXX after receiving a notification about a purchase on my Citizen 's Bank+ credit card. Upon logging into my account, I noticed a total of six fraudulent charges made to my account. Four of these charges ( made in XX/XX/XXXX ) were made prior to my credit card with Citizen 's Bank even being issued to me in XX/XX/XXXX. I have been able to get 3 of the charges credited back to my account ( 2 were credited back automatically as soon as the charge was made, and 1 was credited back after my first phone call to them ). 

As of today, XX/XX/XXXX, no department at Citizen 's Bank that I am able to speak with over the phone is able to give me a status of whether this is being resolved or any sort of timeframe. I keep getting passed from one department to the next, usually ending with one department disconnecting my call and me spending 2+ hours on hold to call them back. They do not seem to be making any attempt to rectify or even investigate this situation or to refund me the {$180.00} that I am still owed back from the three fraudulent charges that they are not working to fix.
Product: Credit reporting or other personal consumer reports

I never purchased a car in Arizona, I live in XXXX ca someone used my social security number and drivers license on my credit reports it shows XXXX inquiry 's on and XXXX car loan for XXXX, XXXX monthly payments XXXX owing XXXX dollars the date on the report say XX/XX/scrub>/2024 the company is GM Financial XXXX
Product: Credit card or prepaid card

I received a warning from my credit watch service that Chase has reported me to credit bureaus as being late for payment. When I checked with the credit card company Chase, I was told that I was late making payments and I was 2 months late and they closed my account and reported me. 
I do not use this card and my existing card has expired on XX/XX/2019. I have not received a new card and I haven't used this card long time. I was told by XXXX from Chase Credit Bureau Specialist that the balance is left over balance transfer fee and interest. 
I am a XXXX veteran and during these times it is unbelievable and very selfish for them to report me to agencies for approximately {$100.00}. 
Once again I haven't received a new card when my old one was expired. I haven't received a call or text to tell me I owed money to them and I haven't received anything in writing. They bypassed any means to communicate and resolve the issue but reported me. 
Wouldn't it be reasonable to ask why they did not try to reach me? 
I understand they send statements in emails but I have not received any emails with regards to this situation from them.
Product: Checking or savings account

HERE IS ANOTHER LETTER PROOF OF LIES BY THE BANK XX/XX/XXXX FROM XXXX XXXX FROM THE EXECUTIVE OFFICE RESEARCH REMEDIATION DEPT EXECTIVE OFFICE AND SIGNED BY HIM OR HER IT STATES THEY RECEIVE A STOLEN OR, LOST NOTIFICATION AND ON XX/XX/XXXX THEY ISSUED A CARD ENDING ON XXXX WHICH I CLOSED ON SAME DAY, SECOND LETTER FROM XXXX XXXX AND SIGNED BY HER THAT ON XX/XX/XXXX I SPOKE TO HER AND STATED THAT THE ACCOUNT ENDING ON XXXX AND THAT IT WAS MY STEPSON AND THEY CLOSED THE ACCOUNT ON XX/XX/XXXX AND THAT A FRAUD CLAIM WAS FILE BY THEM AND THEY WHENT AND TRANSFER OVER 50 TRANSCATIONS TO IT ALDO THE ACCOUNT HAD BEEN CLOSE ON XX/XX/XXXX AND YOU HAVE THE PROVE OF THE LETTERS SENT BY THEM SIGNED AS WELL AND THAT WAS DONE. 
1- THE ACCOUN ENDING ON XXXX WAS CLOSED BY THE BANK ON XX/XX/XXXX THAT WAS NOT MINE EITHER AND THEY WHENT AND STATED THAT THE CARD ENDING ON XXXX ON XX/XX/XXXX AND IT WAS LOST OR STOLEN AND CREATED ANOTHER ENDING ON XXXX AND FOR 30 DAYS THEY DID AL THIS CASH ADVANCES AS WELL THAT WAS A LIE. I ALSO NEVER HAD THAT CREDIT CARD AND THE CREDITS REPORTS SHOW THAT THE ACCOUNT ENDING ON XXXX WAS OPENED ONXX/XX/XXXX AND THAT WAS ANOTHER LIE YOU HAVE THE PROOF THAT SOMEONE ON THE SIDE OF WELLSFARGO HAS BEEN LYING AND I HAVE FILED A LAWSUIT WITH THE SETTLEMENT PEOPLE. 

ALL THIS IS VERY SIMPLE ALL YOUR PERSONS SIGNED AND PROOF THAT THEY LIED AND HAVE THERE SIGNATURES AND I HAVE ATTACHED THE LETTERS.
Product: Credit card or prepaid card

I have a pre-paid debit card from Bank of America which has been locked since XXXXThis card has over {$20000.00} and I need this card unlocked. I have been calling Bank of America everyday but no help. 

Please help me resolve this issue, BOA has held a large amount that is ours. 
Thank you.
Product: Credit reporting or other personal consumer reports

The list has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my XXXX credit report on XX/XX/2024 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 15 USC 1681 ( e ) ( b ).

according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am myself the consumer and im a victim of identity theft. I have tried numerous times to have this inaccurate information removed. Attached if a federal trade commission report showing which items are fraudulent and pursuant to 15 usc 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block and delete the reporting of any information in the file of a consumer that the consumer identifies as information resulting in identity theft, not later than 4 business days after the date of reciept of this such notice.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the predatory lending practices and inaccurate reporting of information by XXXX, a creditor with whom I have a loan agreement. It comes as no surprise to me that XXXX ranks among the top 100 companies with complaints to the CFPB, given my firsthand experiences with their unethical conduct. 

XXXX has consistently reported inaccurate information to all three major credit bureausTransUnion, XXXX, and Experianregarding late payments on my account. These late payments have been reported inconsistently, with varying information provided to each credit bureau. Despite my repeated attempts to rectify this situation and request validation of the data reported to the credit bureaus, XXXX has failed to provide satisfactory documentation or proof of the reported late payments. 

Moreover, XXXX employees have resorted to harassing tactics, repeatedly calling me after I escalated my concerns to the CEO via email. Despite my legitimate requests for documentation and proof of the reported late payments, these employees have dismissed my inquiries and even claimed that such documentation does not exist. 

For over two years, I have diligently made payments on my loan, yet due to XXXXXXXX XXXX predatory lending practices, the balance has decreased by less than 15 percent of the original finance amount, despite paying {$650.00} per montha significant financial burden for me. Adding insult to injury, XXXX has failed to send regular statements regarding my account, further complicating matters. 

The inaccurate late payments reported by XXXX have severely damaged my credit and financial reputation, making it challenging for me to access credit and financial services. Despite my efforts to resolve this matter with XXXX, they have shown no willingness to rectify the situation or provide me with the necessary documentation. 

Therefore, I implore the Consumer Financial Protection Bureau to intervene and conduct a thorough investigation into XXXX 's predatory lending practices and inaccurate reporting to the credit bureaus. I ask that XXXX be held accountable for their actions and that they are required to provide me with the documentation and proof of the reported late payments as requested. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address these issues and protect consumers like myself from predatory lending practices and inaccurate credit reporting. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint serves as a follow up appeal for the removal of remaining fraudulent entries from my Experian credit report, specifically to eliminate an unauthorized credit inquiry and an inaccurate address currently listed. Upon reviewing the most recent copy of my credit report provided by your bureau, I identified that both the unauthorized inquiry and the inaccurate address remain unaddressed. The details of the items in question are as follows. 
EXPERIAN : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022. I repeat that in line with the Fair Credit Reporting Act, I urgently request the immediate elimination of the unauthorized inquiry and the rectification of the inaccurate address mentioned above. Additionally, I request that a revised copy of my credit profile be dispatched to my provided address. Should there be any findings suggesting the inquiry was authorized or the address was indeed associated with me, which I firmly contest as it has never been my address, I request a detailed explanation of the investigative process utilized, to be shared with me within another 15 days following the conclusion of your re-investigation.
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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Bank account or service

Suntrust Bank did not notify me when a garnishment was placed onto my account by XXXX. I posted a deposit that was exempt from collections and they end up charging me a fee because of their failure to promptly notify me when the garnishment took place. I went to court and proved to the garnishment judge ( paperwork in all ) what had happen. Suntrust bank know that the garnishment will be removed off XX/XX/2015 according to the courts and they closed the account ending in XXXX before the XX/XX/2015 date. I just received a letter in the mail from Suntrust Bank ( which they have the wrong address on my letter ( I never lived at XXXX XXXX XXXX ) ). They have sent this wrongful debt fee to collection and damaged my credit score. My account with Suntrust was in good standing and it 's Suntrust fault they have not sent a notification when the garnishment was applied by the courts from XXXX. I do n't have a printer at the moment, but when I get one I will scan all my documents to prove Suntrust is in the wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and I noticed that I had 4-5 late payments on my accounts that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX account # XXXX. Please investigate and provide proof with statements showing that these payments are late.if proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
This account was posted to my credit report on XX/XX/year>2022 by XXXX XXXX  I
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing an item on my credit multiple times. I have reached outfit XXXX and requested proof and they can not provide any. I have disputed this asking Transunion, XXXX, and XXXX to investigate and show proof or remove this item from my credit. I still havent received any proof almost a year later and multiple disputes on each credit bureau website but the charges remain delinquent on my account. I want prod for this removed from my credit report.
Product: Mortgage

Hi, my name is XXXX XXXX. I applied at RocketMortgage for a home loan. I requested a loan estimate from XXXX XXXX ( Senior Loan OfficerNMLS # XXXX ( XXXX ) XXXX ). I provided XXXX with the home purchase price and taxes. I was also approved for {$420.00}, XXXX with a 10 % down and received a verify letter from their underwriter. XXXX advised that in order for me to receive a loan estimate I would need the seller to have accepted my offer.