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

I have disputed the account XXXX XXXX account numerous times on my consumer report Experian. This account included numerous inaccuracies. I am aware that I have the right to a fair and 100 % accurate reporting. Experian has said that this account comes back verified and updated. The first time in XXXX this account should have been removed for having inaccurate information. Experian did not only update the account but also left inaccurate information. I am filing a complaint regarding this inaccurate reporting and requesting deletion. 

From XX/XX/XXXXXXXX XXXX XXXX Experian has allowed XXXX XXXX to update this account as an open collection with a past due balance. Also, there is still a " Last payment date of XX/XX/XXXX '' listed on this account. 

This account has been updated only with a balance update! 
Below are the updates I've received with only a balance updated date. 

" Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Previous : Completed investigation of FCRA dispute - consumer disagrees. 

XX/XX/XXXX to XX/XX/XXXX XXXX info This item was updated from our processing of your dispute in XX/XX/XXXX '' I believe this is all a violation of my rights. 
I am aware that a consumer reporting agency can not furnish inaccurate information. 
I do not believe my disputes have been handled in compliance with the law. 

I request deletion or method of verification of how this account was verified.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Name : XXXX XXXX XXXX XXXX XXXX : XXXX Section 1681e ( b ) : Accuracy and fairness of credit reporting requires credit bureaus to maintain accurate and complete information in credit reports. 

Section 1681i ( a ) ( 6 ) - Responsibilities of Credit Reporting Agencies Purpose : Details the responsibilities of credit bureaus to correct or delete inaccurate or unverifiable information after a dispute. 

I have been suffering from inaccurate reporting by the credit bureaus from a very long time. I see that none of the bureaus are accurately reporting anything and they are very inconsistent across all XXXX credit bureaus. I have disputed multiple accounts that don't belong to me and even after disputing them, all I get is that the dispute is complete and no action was taken. 

I firstly would like to know what action the company has taken. I would like to know what action was ensured to see that the account actually belongs to me. I would like to get a response within the the next XXXX business days from the reporting burueau of what information they took in the reinvestigation process. 

I would like to get details such as date opened, my signature, my name, address and any other information they may have regarding these accounts. If they don't provide this information, they have violated my rights and I would like to get a {$1000.00} check for each account that was incorrectly reported. 

The following accounts should not be on my credit report. Investigation was already complete and no action was taken. I want to know what investigation they took giving a step by step procedure : XXXX. XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX Account no. XXXX XXXX. XX/XX/XXXXXXXX XXXX : Account no. XXXX XXXX. XX/XX/XXXX XXXX : Account no. XXXX XXXX. XXXX XXXX : Account no. XXXX XXXX. XXXXXX/XX/XXXXXXXX : Account no. XXXX XXXX. XXXX XXXX : Account no. XXXX If they don't provide me with this information, I would like to have them removed immediately. I also want to ensure that these accounts ever get reflected on my account. Details of the investigation can be emailed to : XXXX.
Product: Checking or savings account

I was accused of Fraud and Truist is now illegally holding my funds : On XX/XX/22 I went into Truist Bank, located at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, AL XXXX and opened up XXXX accounts. XXXX business checking 's accounts, and XXXX personal checking account. During my visit to the bank I provided the requested documents to verify my identify as well as paperwork for my LLC. These documents included my SSN, Drivers License and Articles of Incorporation for both of my business 's. The lady who assisted me in opening the accounts had to attempt multiple times to get the accounts open as there appeared to be something wrong with their computer system. Finally after some time she was able to open my accounts and she was even able to verify that I had a previous personal account with Truist so she would simply reopen that one. I was advised before I left to ensure that I funded the accounts and I was provided with documents showing my accounts had been opened and account information for transfer of funds. 

On XX/XX/22 I enroll in on-line bank with Truist and XXXX funded XXXX of the accounts. XXXX for {$500.00} for XXXX business account and the other for the personal account {$100.00}. I had to wait for verification to fund the other business account and when I attempted to log back into my account I was no longer able to access and it advised to call customer service. 

I contacted customer service who sent me back told me to contact the bank. The bank sent me back to customer service and the bank and forth went on for quite sometime. Neither the bank or the customer service knew what was going on. During XXXX of the calls a representative said the account was closed due to XXXX. I was very concerned by this and still no feedback was given on what was causing my accounts to be flagged as fraud. Considering I went into the branch to open my accounts and provided all the required legal documentation. I called back and asked for a supervisor. I finally got someone who was able to explain to me that they use a system call XXXX XXXX  and something flagged which is why the accounts where closed. I asked the rep why is this the first time I am hearing this. In addition, why was I allowed to not only open the account but you all allowed me to fund it. 

I contacted XXXX XXXX and requested a report as I was concerned that someone had done something fraudulent. When I received the report nothing was on the report. I reviewed the report with XXXX of their representative and nothing was being flagged as fraudulent or concerning. I called Truist bank and still no one would explain why I was denied an account, that I should receive something in the mail, and that I would never be allowed to open an account at Truist. As of today I have not received any information from Truist as to what was found to be fraudulent and my funds I used to fund the accounts have not been returned.
Product: Checking or savings account

Hello, My checking and savings accounts with Capital One were first restricted on XX/XX/XXXX. I called Capital One the same day. They informed me my account was restricted due an issue with XXXX payments. They removed the restriction and I was able to use the accounts again. 

XXXX days later on XX/XX/XXXX my accounts were restricted again. After speaking to a representative I was informed Capital One would be " terminating the relationship '' and my accounts would be closed immediately. I was told I would receive a check in the mail with my balance within 1-2 weeks. The total balance of my funds with Capital One is around ~ {$8000.00}. 

On XX/XX/XXXX I received an email from Capital One stating I would receive my balance within " 7-10 business days ''. I have included the email in my complaint. 

On XX/XX/XXXX I called and was informed there is suddenly an ongoing " investigation '' of my account. According to the representative my funds will be held until said " investigation '' is over. The representative was unable to provide a reason for the " investigation '' or a timeline it would be completed by. 

Today is XX/XX/XXXX. I have not received my check or any letter related to this incident. 

I find this extremely frustrating as my balance was fundamentally stolen from me and I have been offered XXXX recourse or even an expected date my money will be returned. 

I am no different than anyone else, I have bills to pay, a stomach to feed. This theft has negatively affected my daily lifestyle and my ability to support myself. 

I believe I have done nothing to warrant an " investigation '' and this gross corporate malfeasance seems like a predatory excuse to retain my funds indefinitely. 

Thank you for your time.
Product: Credit reporting, credit repair services, 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 under 15 USC 1681. 

SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states consumer reporting agency can not furnished a account without my written instructions.

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 and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Numerous calls regarding that we are being accused of deceptive banking practices and that they will contact my employer to garnish wages. User stated that his name was Mr XXXX. Asked to have them mail us proof of the debt and they insisted that they have and that they wouldn't send anything. 

We asked for verification of the debt and they refused.
Product: Credit reporting or other personal consumer reports

I have sent this company a request in writing that per the FCR8, 15 usc 6802 and the privacy act of 1974. As a federally protected consumer, I have the legal right to opt out of any and all authorization. This company has failed to comply with my request and continues to report anyway.
Product: Checking or savings account

An unauthorized ATM transaction occurred on my debit card chase account. It was a withdraw of XXXX $ on XX/XX/XXXX. I filled a claim with chase on XX/XX/XXXX. I closed my account and requested a password /user name change and a new card .They closed my claim on XX/XX/XXXX because they believe the transaction was authorized by me. On XX/XX/XXXX I requested the reason, and was told the transaction was made with the digital wallet that I usually make purchases on. I dont have sufficient information to prove that I didnt make this transaction. I did not have my phone stolen or physical debit card stolen .i was advised to look at my XXXX XXXX wallet history but you are unable to view transaction history on a suspended card. 
I was told I could open a new claim with this incident if I have documents to prove I didnt make a withdraw but Im unsure what they would look like.
Product: Credit reporting or other personal consumer reports

Genesis XXXX XXXX XXXX is reporting three separate accounts on my credit reports. I have disputed these accounts over and over, demanding physical proof of debt validation. Ive requested a direct consumer agreement between myself and genesis XXXX XXXX XXXX, proving I gave them permission to obtain my personal information and using it to make a profit for their company. Ive demanded a paper trail of their dispute process that shows this is my debt. Ive disputed this collection account with experian multiple times, in which XXXX responded this account has been verified and will remain on your credit report. XXXX and genesis XXXX XXXX XXXX has failed to provide me with any proof that an investigation occurred and the proper steps that were taken to validate this debt. XXXX was recently sued by the CFPB for their counterfeit actions with consumer disputes. I want these collection accounts deleted immediately for violating federal laws and my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries and inaccurate information reporting on my personal credit report. I request that CREDIT BUREAUS initiate an investigation into the following inquiries and inaccurate information listed on my credit report If, once their investigation is complete, find my allegation to be true, please remove these items as soon as possible : XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 an account without my written instructions.

15 U.S.C. 1681 C ( a ) ( 5 ). Section states no consumer reporting agency may take any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Money transfer, virtual currency, or money service

Hello, So this was an ongoing process 2 years ago I requested Robinhood LLC online stock brokerage in cryptocurrency to delete my account and XXXXXXXX XXXX because they were not FDIC insured and for other personal reasons. 

Their response was, that I had like {$10.00} in my account or something like that at the time that was part of a promotion they were giving when you sign up with them. And because of that they would not be able to close my account. 

Well I said to them well keep the money I don't want it anyway it wasn't my money in the first place. 

They responded back then that they're not allowed to do that and because of that they can't delete the account and my XXXX XXXX 

I said well mail me a check and close my account. They said they could not do that. In other words they make you have to go through loopholes and difficulties to lock you into their online services for whatever benefits they XXXX need that purpose for. To lock you in. 

I recently after 2 years went back to log in and try to reestablish the ability to delete my account on all my XXXX XXXX. And was unable to do so. First and foremost I was not able to log in The phone number used back then to log in for verification reasons has been changed. I contact their support and it's been 2 days and they still have not replied back to my request or attempted to assist me. 

What they are doing is unfair and unjust it should not be that difficult to request account deletion and all my data from their services. Why companies like this do that I have no clue but this is my complaint. And until I'm able to do this my complaint will not be resolved. Please help me thank you.
Product: Credit reporting or other personal consumer reports

back in XXXX XXXX it was reported on XXXX, that i was at fault in accident. that is faulse. the man who hit me from behind doing XXXX, was at fault.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





DRIVEWAY FIN Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Reliacard, US Bank Corp, {$13000.00} balance. Account was closed effective XX/XX/2022. Reason given in letter XX/XX/2022 : I did not respond to letter ( I did NOT receive ) saying I had to use their web site photo verification ID process ( I did later, but was evidently late ). Numerous calls have been made to bank customer service and Oregon Unemployment, issuer. Customer service says Oregon must request the funds but gives no more specifics : how, to whom, what format. Their representative states, THERE IS NO TIME TABLE FOR RETURN OF FUNDS. And, Oregon says they can not request my funds ( accordingly, they have no mechanism to do so ). I.e, each passes the $ buck $ to the other, rinse-repeat. I have not made a withdrawal since XX/XX/2022, primarily because ReliaCard has a complicated scheme to limit amounts, number of withdrawals per time period, time of day withdrawal postings, specific geographic locations of ATMs, branches available for my account. I would prefer termination all dealing with Reliacard, return of funds either as a check, or better yet, wire to XXXX or XXXX account.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 


XXXX XXXX has payment history incorrectly, never paid late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 6 months, Equifax sends online notification their investigation is complete and to view the results. Every time I try viewing the results using the confirmation given, an error page shows up. I may wait a few days same thing. Equifax does cooperate with assisting with an dispute they are not an unbiased organization created over 50 years ago. Equifax is the only credit bureau giving me a XXXX score ( poor ). Equifax the only credit bureau that plays games on the world wide wide. 

I received several notifications that account information was changed that need my attention updated by Equifax pertaining to XXXX and XXXX XXXX in conclusion of closed CFPB complaint regarding both creditors
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX account # XXXX, XXXX account # XXXX, and XXXX XXXX XXXX XXXX account # XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A States I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 166 b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Debt collection

On Wednesday, XXXX XXXX, 2017 I contacted XXXX XXXX XXXX XXXXXXXX to pay a past due bill of {$150.00} on my credit report. A bill I did n't know I had, but wanted to pay for. I was informed that the total amount due was {$200.00} that included a " Deletion fee of {$15.00} '' I paid the {$15.00} because I wanted to have the record deleted immediately. After I paid it, I was told they would delete the bill from my credit report on the first of the next month. Why did I pay the extra {$15.00}? Is n't it there responsibility to delete it once it 's paid? I emailed them and asked them to refund my {$15.00} and the response was this : Hello, you were advised it will be sent to all Three Credit Bureaus on the XXXX of the month to be removed from your credit report. The {$15.00} was the deletion fee to have it deleted from your credit. If you have any other questions or clarifications please contact me at # XXXX ext. XXXX. I have never had to pay to have something deleted from my credit report before.
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC XXXX, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX - XX/XX/2022 Last 4 digit SSN : XXXX
Product: Credit reporting

I paid Transunion Credit Reporting fees for services and when I attempt to do anything in the amount of total of {$49.00} in last two weeks and we I attempt to use the services it continues to take me to page to pay another {$29.00} for all XXXX companies and debt analysis and they already recieved it and I email attached showing transaction # XXXX the payment was made. I con firmed payment made via card. 
They have incorrect information, they have incomplete information and they want more to correct.