23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I open a bank account with BB & T on XX/XX/XXXX account # XXXX. I opted in for ACH check overdraft review but specifically instructed BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions. On XX/XX/XXXX, I closed the above mention account number because the account had been compromised and opened a BB & T Bright Checking Account ending in XXXX. The representative that assisted me was XXXX XXXX NMLS # XXXX at the Branch located at XXXX XXXX XXXX XXXX, NC XXXX. Again I instructed BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions but to opt in ACH check overdraft review only. On XX/XX/XXXX I went back into the branch to speak to XXXX XXXX and advised him that I thought that I had inadvertently made over draft changes, on the voice response system on XX/XX/XXXX, for debit card overdraft review and wanted to make sure I cancelled it and to instruct BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions when there are not have sufficient funds in my account. I was assured by XXXX XXXX on XX/XX/XXXX that I was only opted in for ACH check overdraft review only and opted out for ATM and debit card transactions and no overdraft changes had been made. On XX/XX/XXXX, I was charged {$100.00} for XXXX debit card transaction fees, {$36.00} each for debit card transactions authorized when there were not sufficient funds in my account. I spoke to XXXX XXXX on XX/XX/XXXX he advised that he had misinformed me on XX/XX/XXXX about the overdraft changes because it takes three days to show any changes authorized on the voice response system, so he would not have seen the change, on the day of our conversation XX/XX/XXXX, that could have taken place on XX/XX/XXXX, because it would not have shown in his system until XX/XX/XXXX. I told him I need to be credited to my checking ending in XXXX for the bank fees charged to my account by no fault of my own since I had instructed BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions when there were not sufficient funds in my account. XXXX XXXX advised he could only credit XXXX bank fee of {$36.00} on his level and that he would have to submit the other XXXX bank fees totaling {$72.00} to his superiors for credit and he would call me back but I have not heard anything from him and my money has not been credited back to my BB & T Bright Checking Account ending in XXXX.
Product: Bank account or service

Bank stated that their policy when executing a trustee transfer for a Health Savings Account is to close all accounts despite explicit instructions from the account holder to transfer a specific amount of money that is less than the full balance of the account to the stated trustee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Type : Chapter XXXX Bankruptcy Status : XXXX XXXX Date Filed/Reported : XX/XX/2011 Reference No. : XXXX Court : Us bkpt ct fl XXXX XXXX Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section XXXX relating to bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute for a loan that is not mine and thats shown on my credit report that shouldnt be on my credit from ( XXXX XXXX ) on XX/XX/XXXX to all 3 credit bureaus. The account belongs to my father who has the same name, the Loan is under his business XXXX XXXX XXXX XXXX ) which I have nothing to do with, under his address, and his phone number. I never signed anything for the loan, never gave an id and the loan company isnt doing anything to correct this and neither is the credit bureau. For some reason my Social was somehow used for the loan but me and my father have been trying to get it in the correct name aka his name and the correct account and off of my credit since I have nothing to do with this loan as it is incorrectly reported and affecting my credit. The financial loan company has incorrectly put a loan in my name that needs to be removed as soon as possible as I never authorized anything and it is not my business, or have anything to do with me. The account needs to be put in his name and off of mine. My father even sent an email to the companys dispute department explaining that its his loan and should not be in my name and they still havent done anything about it. Its been over a month and nothing has been addressed as this loan is false reporting and fraud on the creditors end since I did not have any knowledge, sign, or give any of my information.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. it began appx XX/XX/2024. My accounts were accessed, changed, applied for credit etc at all the named companies. Their " anti-fraud '' defenses completely failed me. They took little to none proactive steps to notify and stop the damage. 

In addition - you can not talk to a live person at experian. the phone service says that it is only allow transfer to an agent in certain circumstances. of course, it does not reveal what that is. i wasted hrs trying to talk to a person. As far as i can tell, the initial intrusion may have happened at experian. ( i'm no forensics person ). I repeated tried to freeze my credit report, and within hrs, it was unfrozen again. their performance is totally unsat.

They/the other 5 companies* besides experian thanked me for being a customer, complaint noted and said we will completed a form.XXXX XXXX XXXX XXXX XXXX except experian - you can't talk to them. but you can send XXXX XXXX XXXX XXXX XXXX i will be contacting the FTC and AZ Attorney Generals Office. 

we filed a report with the XXXX XXXX XXXX XXXX XXXX, case # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX allowed unauthorized access to my accounts
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number- To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit card or prepaid card

XX/XX/XXXX, Friday, XXXX .P.M. EST I called Bank of America, Live Chat Line, Closed the account, and just made payments only the last XXXX years out of XXXX  years as a cardholder. 
I have made my monthly payments to Bank of America each month toward {$3000.00} since being a cardholder in XXXX, and my balance remains {$3000.00} ; my most recent payment was made on XX/XX/XXXX for a minimum due of {$88.00}. 

Bank of America XXXX Please investigate this matter for me. 
Thanking you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not Believe all XXXX credit reporting agencies have offshore base in XXXX. Pretty much all American people credit information is in hands of world country. Wow... Great Job CFPB and FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 
5. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
9. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
10. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

There was an unauthorized transaction on my account with Walmart. I have notified the company paid the portion of the bill I am responsible but Walmart is still reporting unauthorized transactions to Ctedit Bureaus.
Product: Payday loan, title loan, or personal loan

I originally opened this account for a {$10000.00} personal loan and then not long after opening, it was refinanced through XXXX. They told me that they would pay off my existing loan with First Midwest. I had my account set up for autopsy, so if there were any balance left then it should be taken card of. I wasn't notified of this remaining balance until I saw it on my credit report. It was stating that I was at least 60 days late on a bill. I was shocked to see this as I have never been late on any payment in my life and did all I could do to keep my score at nearly 800. Since this happened, my score dropped to about 675!! I just want to have my score that I have strived for all my life! One misunderstood item, and I lost everything I have been working towards. I was in the process of moving and had changed my address with the local post office, but I'm guessing that First Midwest decided to ignore this information. I paid this account off in full as soon as I learned of it's existence but it was too late. I should not be penalized for another companies negligence!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> [ Credit Reporting Agency Name ( Address of the Credit Reporting Agency ) Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear ( Credit Reporting Agency Name ], I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations* and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being report :
Product: Checking or savings account

XX/XX/2021 XX/XX/2021 On these dates {$36.00} overdraft fee on unauthorized items. I asked to have it disputed. I was told by the bank ( regions bank ) they would close my debit card and issue a new one They wouldn't dispute or investigate this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I request written proof that XXXX XXXX XXXX XXXX had permissible permission to access my credit report in XX/XX/2017 for auto loan # XXXX per the FCRA. If XXXX XXXX XXXX XXXX claims this is a duplicate complaint, then I request they resend the copy. I expect XXXX  and Transunion to send me a copy of the permissible purpose when they receive from XXXX XXXX XXXX XXXX 's investigation. Please do not say you have investigated this several times and need additional proof. Just send copy of the permissible purpose. I am tired of reading form letters and rhetoric. Again it is very simple, XXXX XXXX XXXX XXXX, XXXX, or Transunion need to send me copy of the permissible purpose to access my credit in XX/XX/2017 for XXXX XXXX XXXX XXXX 's loan # XXXX. XXXX, Transunion, or XXXX XXXX XXXX XXXX do not need 30 days more, or 45 days more, or 60 days more because you have had years to investigate a simple matter, written proof of permissible purpose. Enough is enough!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reference the letter I am attaching. I sent this investigation request to Equifax and XXXX XXXX on XXXX XXXX. Nearly 3 months have gone by, and neither have responded. They were supposed to respond within 30 days.
Product: Mortgage

I applied for assistance thru the Ohio XXXX XXXX XXXX This was on XX/XX/XXXX. Per the Ohio XXXX XXXXXXXX the US Treasury sent a file on XX/XX/XXXX to my mortgage company which is the SN Servicing. To date nothing has been done. The Ohio XXXX website still shows " waiting for servicer reply '' I have called several times to S & N customer service, and they don't seem to know what HAF is. The last call I made I was met with hostility from my account XXXX. She stated my file is being worked on and reminded me that I have already called about the matter that same week. I have been told by a XXXX XXXX that someone named XXXX did not receive the file and that " XXXX '' will reach out to her contact at the Ohio XXXXXXXX XXXX XXXXXXXX. I applied for assistance to pay my arrears which now is 3 months. I am trying to proactive but to no avail. I did not choose this company they bought my loan. If I don't get resolve, I am reaching out to my Legislator & states Attorney General 's office. I reached out to the Ohio XXXX  and they advised that they sent the file. See emailXXXX  Hello, Thank you for reaching out. I do apologize that theyre saying that we have not sent anything. I can assure you that we have, and they have assigned them all to go to one person directly so the customer service team or other loan officers will not have any knowledge of what we send unfortunately since the bank has assigned this individual. They do have to approve before any funds can be released. They are not using a 3rd party for XXXX  issues as the person assigned is an employee in the bank itself. 

Thank you, For your protection, please do not respond to this email message with attachments or information that includes personal confidential information. 

XXXX XXXX / XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX Phone XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX. claims i owe a debt that i do not owe!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 I have sent Experian 4 letters regarding incorrect personal information and identified FCRA Violations and Non METRO2 Compliance. After reviewing my credit report almost 3 months later I became aware that no changes have been made and there have not received any investigation results. According to 15 U.S. Code 1681i Experian is supposed to delete the disputed items during a full and complete investigation. Experian violated this federal law. Experian is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Experian to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to { {$1000.00} } per violation. Please note that I will not hesitate to file a suit against Experian for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.
Product: Credit reporting or other personal consumer reports

I have a Bank of America in credit report that summit the dispute on XXXX and they say was mine. Also sometime i have a XXXX account. And they not mine.
Product: Credit card or prepaid card

When I paid this account off they came back a month later and said I owed late fees! I paid this card off on time. It went from a XXXX late fee to XXXX! Im very confused how a company can get full payment then a month later charge me late fees! I am definitely being ripped off! This was a XXXX account by Comenity Bank!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 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 : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the de accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Under, 15 U.S Code 16816 - 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 : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these FRAUDULENT accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax for allowing unauthorized hard inquiries to appear on my credit report, despite my lack of consent or any associated application. When I contacted Equifax to dispute these inquiries, they failed to provide any application information or proof of my authorization and instead directed me to contact the creditor ( s ) directly. This will affect my ability to buy a home! This response is both improper and legally insufficient under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which mandates that a consumer reporting agency may not furnish a consumer report unless there is permissible purpose under the law. 

Violation of My Rights Under the FCRA 15 U.S.C. 1681b ( f ) Equifax has a legal obligation to ensure that inquiries placed on my credit report have a permissible purpose. Since they can not provide any application, signed authorization, or valid reason for these inquiries, they must delete them immediately. 
15 U.S.C. 1681i ( a ) ( 5 ) ( A ) When a consumer disputes information that can not be verified, it must be deleted. Since Equifax has no documentation or evidence supporting these inquiries, they must be removed. 
15 U.S.C. 1681n & 1681o Equifaxs failure to properly investigate and remove these inquiries constitutes willful and negligent noncompliance, making them liable for damages. 
Resolution Demanded Given that Equifax has no proof that I authorized these inquiries, they must be removed immediately under the FCRA. I demand that : Equifax delete these unauthorized inquiries from my credit report within the legally required timeframe. 
A written confirmation of deletion be sent to me once the inquiries are removed. 
A full regulatory investigation be conducted into Equifaxs handling of consumer disputes regarding unauthorized credit inquiries. 
I am requesting prompt action on this matter, as these unauthorized inquiries negatively impact my credit score and financial well-being. If Equifax refuses to comply with the law, I intend to escalate this issue further, including potential legal action.