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

Please block and remove the unauthorized accounts from my credit report promptly. I did not authorize or create these accounts, and I have no knowledge of their origins. As per XXXX XXXX, I am formally requesting their removal within XXXX days. Relevant documents are included for your review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing ; Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX XXXX This charged offs account are reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.
Product: Checking or savings account

Last night ( XX/XX/2023 ) I received an email from Bank of America notifying me what I was denied for opening a " Bank of America Advantage SafeBalance Banking '' account online. This will be the 3rd time in a year that someone has attempted to get a loan or open an account with Bank of America using my information fraudulently. I spent over an hour on the phone last time, ( most of which was on hold ) talking to their fraud department and verifying that I did not open or attempt to open an account. I have never, and will never have or open an account with Bank of America. This morning I also received a 2nd email apologising that I couldn't open an account online, but instructions on how to open one at a local branch.
Product: Credit card or prepaid card

My XX/XX/XXXX statement showed a number of charges that I immediately recognized as fraudulent, in the amount of approximately {$23000.00}. I called the company to report these. The first person I spoke to acknowledged that the charges were likely fraudulent, however, subsequent conversations ( particularly on XX/XX/XXXX and XX/XX/XXXX ) made it clear that the company had decided to hold me accountable for the charges even though I was disputing them, denying that any of the out-of-state purchases had been made by me or anyone I had authorized. My XX/XX/XXXX statement still shows these fraudulent charges, as well as a late fee for non-payment.
Product: Credit card

XXXX - Due to the incompetence of Total Visa, my card was charged an amount of XXXX, I pointed this out to them, and they began an investigation but, in the meantime, instead of fixing the problem, on my account, they kept charging me overdraft and other fees which I think was wrong, they placed me in a terrible situation.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian regarding their failure to properly investigate disputes related to inaccuracies on my credit report, as well as their failure to remove or correct these errors in compliance with the Fair Credit Reporting Act ( FCRA ).

I have submitted multiple dispute letters to Experian, requesting that they investigate and correct erroneous information appearing on my credit report.

Despite my efforts, Experian has failed to properly investigate my disputes, and errors have remained on my report without correction. This failure violates 15 USC 1681i, which requires credit reporting agencies to investigate disputes in a reasonable amount of time.

Furthermore, Experian has failed to remove or reinsert incorrect information in accordance with 15 USC 1681c and 15 USC 1681e ( b ), resulting in continued harm to my credit standing. 
As a result, I am seeking immediate investigation and resolution of these violations and request that the CFPB take appropriate action to address my concerns. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the inaccuracies have harmed my credit such as preventing me from job opportunities. And receiving housing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a new car and when I was turned down I pulled my credit report, and I was furious! I have no knowledge of the debt that is listed and I have become very upset! Please help me, These accounts are not mine, I have tried to get all these accounts removed and have been unsuccessful! Please help me!! Remove these accounts please! XXXX XXXX is not my debt, I have no knowledge of this account! XXXX XXXX XXXX, I have no knowledge of this debt, it is not mine! There are two student loans reporting from XXXX XXXX XXXX Asst Authorization. These are not mine, I have never been to or attended a college!. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are also reporting on my account and they are not mine either! There are 4 accounts that are closed! They are XXXX XXXX XXXX ( which is reporting twice! ) XXXX/ XXXX, and XXXX XXXX !! Remove these accounts! It should not be legal to report these accounts and I have informed these companies that these accounts are not mine! I have a load of inquiries that need to be removed as well, because they are in authorized! XXXX XXXX XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXX/XXXX-unauthorized XXXX XXXX XXXX- unauthorized XXXX unauthorized XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX XXXXXXXX unauthorized XXXX XXXX- unauthorized Please remove these accounts!! I am furious and ready to take action because these accounts are reporting and do not belong to me!!
Product: Credit reporting or other personal consumer reports

The one negative account is being double reported to my credit report. This is a direct violation of my rights under FCRA. I have requested validation of this erroneous account from Equifax and I am waiting to hear back.
Product: Checking or savings account

XX/XX/2021 - I tried to withdrawal {$1000.00} out of the Bank of America ATM at XXXX XXXX XXXX, XXXX, CA XXXX. The ATM did not dispense the {$1000.00}. I immediately called Bank of America to report what happened. I was told I would get some papers I needed to sign in 15 business days. When the letter came it just stated : " We've completed our review of this claim and determined no error occurred. Based on this information, we're unable to credit your account and now consider this disputed transaction closed. ''
Product: Debt collection

My debt was sent to a third party without my knowledge I had never received a debt validation letter I have been receiving letters and calls from a collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed the XXXX XXXX XXXX account showing on my credit report with all three credit bureaus XXXX, XXXX, and TransUnion call and all three bureaus has claimed ACCOUNT VERIFIED. The XXXX XXXX XXXX account reporting on my account is showing an incorrect status of delinquency, incorrect balance, incorrect payment history etc. Ive tried to correct the issue with the credit bureaus but I dont believe I received a fair hearing according to the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has broken the law Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report. I realized that report was inaccurate, and this inaccurate report is unfair to me because i was never notified when this inaccurate information was furnished and i was never notified when during your company 's initial investigation that you were going to report this information Pursuant to 15 us 1681 ( a ) ( 1 ) This gave error has undermining my confidence in your company 's procedure and as a result of this I will no longer be extending credit and if this information is not removed, I no longer want my information reported in your companies database Pursuant to 15 usc 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused and has ruined my reputation and it has adversely affected my credit worthiness Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given express permission by me XXXX XXXX!!!! the consumer competent court jurisdiction so not only did you fail in the initial investigation of this information. Youve also assumed this information was valid which is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681 ( a ) ( 4 ) You did not ensure that the information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this VIOLATED my rights to privacy.

Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate. whether or not it factually took place can be categorized as a transaction that took place between the consumer and person making the report. Which means it should not be included in my consumer report and infract is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681a ( d ) ( 2 ) ( iii ) In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This is a infract another VIOLATION!!

( Please see form attached ) Due to your companies negligence I am demanding each and everything in the attached letter. If each thing I am demanding can not be provided then you are to XXXX and delete this inaccurate information
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my XXXX consumer credit report and noticed it was several inaccurate and incomplete accounts. According to the FCRA it's illegal to report inaccurate and incomplete items. By law you are obligated to investigate these inaccurate accounts. 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 of inaccurate or incomplete. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX and XXXX has this account open Equifax has this account closed. Please remove this account immediately! Thanks! XXXX XXXX AUTO - ( account number ) - XXXX
Product: Checking or savings account

There is an XXXX XXXX XXXX XXXX ATM closer to me than a Wells Fargo ATM and it claimed to take my card. I used it to deposit {$300.00} in cash on XX/XX/2023, however, the ATM claimed it could not deposit one or more bills and therefore did not deposit any of the money. It did not return the bills, only my card and gave me a receipt instead. The transaction did not appear on my Wells Fargo app or records. I called the service number on the receipt from the XXXX ATM on XX/XX/2023 and they said they could not issue me any credit because I bank with Wells Fargo and Wells Fargo had to resolve the issue with them. I filed a claim with Wells Fargo the same day, XX/XX/2023, and it was closed XX/XX/2023 but I did not receive the money. I was able to reopen the claim on XX/XX/2023 because it was not reported the first time that the ATM was a non-Wells Fargo ATM. This time I also sent in an image of the receipt the ATM printed. The claim was closed once again on XX/XX/2023. It was never disclosed that both times the claim was closed and unable to be resolved because the receipt was not proof enough of the transaction until XX/XX/2023 when I called a last time to ask for the reason why I was not being issued the credit missing. Wells Fargo claims to be unable to resolve the issue because the XXXX ATM voided the transaction, preventing it from appearing on my transaction records and eliminating digital trace that my card was entered into the ATM, despite the receipt issued by the ATM that has the first and last four digits of my card printed on it, along with other information of the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please take immediate action to remove the unauthorized inquiries from my credit report, as they were made without my consent and are causing me distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT IN A POLICE REPORT TO THE CREDIT BUREAUS IN REGARDS TO AN IDENTITY THEFT THAT OCCURRED ON MY CREDIT FILE. XXXX, XXXX, AND TRANSUNION HAD DELETED IT FROM MY CREDIT FILE, BUT THEN, TRANSUNION PUT IT BACK ON MY FILE AND SAID THEY WOULD NOT BLOCK IT. THEY SENT A LETTER SAYING IT WAS VERIFIED, I ASK THEM TO SEND ME A CONTRACT WITH MY SIGNATURE ON IT, AND THEY NEVER DID. I ASKED THEM HOW CAN THEY VERIFY THIS ACCOUNT AS MINE AND XXXX AND XXXX COULD NOT. I WROTE A SWORN AFFIDAVIT STATING THAT WAS NOT MY ACCOUNT AND THEY HAVE IGNORED ME. WITH ALL THE IDENTITY THEFT THAT GOES ON, AS WELL AS THE DATA BREACH THESE CREDIT BUREAUS, PUT THE CONSUMERS THRU, THEY SHOULD UNDERSTAND INSTEAD OF JUST TRYING TO MAKE MONEY OFF OF THE CONSUMERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi again, I've sent multiple dispute requests to Trans Union to report accurate information on my consumer report according to the law. This has been going on for over 60 days. I am so stressed. I can't sleep, and I am mentally exhausted with how this is effecting my mental health and well being. 

TransUnion must stop breaking the following laws and remove the inaccurate bankruptcy reporting they have on my consumer report. 

Look at the letter I received from XXXX XXXX. I did not contact them but they wrote me a letter admitting they engaged with the data source and they did a complete investigation of the disputed item and they verified as accurate. Show me the dispute request from me? 

TransUnion claimed that the data was verified as accurate from XXXX XXXX. Ok, how can it be accurate when I have a notice from the Bankruptcy court that I have submitted twice to you saying they don't report to the credit bureaus or any other agencies.

Also, look on my report, Trans union says that the source is the Bankruptcy court.

This is inaccurate and must be removed.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681- Congressional findin
gs and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

By law you must delete this from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX, AND XXXX ALL RESPONDED TO MY REQUEST TO VALIDATE AND VERIFY CERTAIN ACCOUNTS ON MY CREDIT REPORT TO MAKE SURE THEY WERE 100 PERCENT ACCURATE. XXXX RESPONDED ON XX/XX/2022, EQUIFAX RESPONDED ON XX/XX/2022 AND XXXX RESPONDED ON XX/XX/2022. ALL 3 CREDIT BUREAUS STATED THAT THE ACCOUNTS WERE INVESTIGATED, VERIFIED, AND 100 PERCENT ACCURATE. 

BUT HOW IS THIS POSSIBLE IF THE ACCOUNTS HAVE DIFFERENT OPEN DATES WHICH ARE ALL INCORRECT, THE DATE LAST ACTIVE IS INCORRECT AND THE DATE LAST REPORTED IS INCORRECT? THIS IS GROUNDS FOR REMOVAL BECAUSE IT IS PROOF THAT AN INVESTIGATION WAS NOT CONDUCTED PROPERLY AND THE INFORMATION IS NOT 100 PERCENT ACCURATE PER THE LAW. 

THEY HAVE ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 604 A SECTION 2 : WHICH CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS. 

I HAVEN'T GIVEN THESE COMPANIES WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL. 

THE FOLLOWING ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY : XXXX : XXXX XXXX XXXX ACCOUNT # " NO ACCOUNT NUMBER WAS REPORTED BY NONE OF THE CREDIT BUREAUS '' XXXX : XXXX XXXX XXXX XXXX ACCOUNT # " NO ACCOUNT NUMBER WAS REPORTED BY NONE OF THE CREDIT BUREAUS '' XXXX : XXXX XXXX XXXX XXXX ACCOUNT # XXXX ( EQUIFAX ) AND ACCOUNT # XXXX. ( REPORTED TO DIFFERENT ACCOUNT NUMBERS ) I HAVE ALSO ATTACHED PICTURES OF MY CURRENT CREDIT REPORT SUPPORTING MY CLAIM AGAINST THESE CREDIT BUREAUS.
Product: Debt collection

XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Date : XX/XX/XXXX To Whom it May Concern : Dear Credit Bureau : This letter is a formal complaint that you are reporting inaccurate credit information on my credit report.

I am very distressed that you have included the information noted below in my credit profile due to its damaging effects on my good credit standing. As you no doubt are aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a XXXX XXXX XXXX Mortgage which was highly embarrassing and has negatively impacted my lifestyle. 
With the proof I'm attaching to this letter, I'm sure you'll agree that the inaccurate information is harmful to me and, thus, needs to be removed ASAP. 
The following information, therefore, needs to be verified and deleted from the report as soon as possible : account number XXXX, Sincerely, XXXX XXXX enclosure
Product: Credit reporting, credit repair services, or other personal consumer reports

On a XXXX call on their recorded lines at transunion was left to be willfully hung up on after explaining to the supervisor the FCRA protections for inquiries and XXXX XXXX account fraudulently being reported. She decided to hang up and go silent. They have a police report on file as well as the FTC report and I have attached all documents including address and ID confirmation to this complaint to ensure to no reason to not handle this CFPB complaint. I've also attached a court ordered document from the illegally reported involuntary dismissal of identify theft public record directly from the Judge. Protection under 303 BK code. two items below violating FCRA laws ( 605b must be blocked no later than 4 days of receipt which they verified receiving XXXX ) *Public Record : Reference # XXXX XXXX  XXXX involuntary dismissal due to ID theft related accounts already removed. Direct letter from Judge. *Account : XXXX XXXX {$0.00} balance Also protected by FCRA if any information has proof to be misreported it can not be listed on any consumer report. I've attached the other 2 agencies full reports to show all these items in question are verified as fraud and not reporting. I am seeking prosecution for the willful ignoring of government laws and paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  account does not belong to me it belongs to my ex husband
Product: Vehicle loan or lease

I set up automatic monthly payments for a little more than my regular payment when we first got our vehicle, intending for the extra to be applied to principal. This is an option on the auto enrollment form. My regular payment is {$700.00} and I pay {$750.00} per month. This month I received a letter from PNC saying that I was paid ahead and wouldn't be receiving a statement for XXXX. I called the phone number provided and they said they would take last month 's payment of {$750.00} and apply it to principal which would roll my next payment due date back to XXXX and my auto withdrawal would resume. I agreed to this, but when I inquired about how the extra I pay every month could be applied to principal moving forward and not to the next payment due, I was told that was not possible to set up. I intended to be reducing my principal every month and thought when I enrolled in auto payments this is what would happen. When I complained the phone went dead .... there was literally no response. I feel mislead and that I am being penalized for wanting to prepay my loan a little at a time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the full balance of my account on XX/XX/23 prior to due date of XX/XX/23. I paid via automated kohls phone number and it stated my payment had successfully processed. My kohls account online also reflected paid. Please see attached. I received an email on XX/XX/23 from kohls stating I had a past due amount of {$29.00}. I immediately called and they stated my phone payment submitted XX/XX/23 returned on XX/XX/23 which was also the statement date however I was not notified until after the statement date and when this was reported to credit agencies nor did my kohls account reflect a past due status ( stated {$0.00} owed ). My current balance also reflects {$0.00} owed. Please see attached