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

Complaint Statement to CFPB Regarding Unauthorized Credit Inquiries I am submitting this formal complaint to address unauthorized and unverifiable credit inquiries appearing on my credit report. I did not consent to or authorize any company, financial institution, or car dealership to access my credit profile for any reason. These inquiries are fraudulent, unrecognizable, and must be deleted from my credit profile immediately in accordance with federal laws and guidelines. 

Attached are the following supporting documents : FTC Identity Theft Report Government-Issued Identification Passport These documents verify my identity and support my dispute. According to the Fair Credit Reporting Act ( FCRA ) and relevant federal regulations, credit reporting agencies are required to block and remove fraudulent information from a credit profile within four ( 4 ) business days of receiving an identity theft report and supporting documentation. 

Fraudulent Inquiries to be Removed Immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Under FCRA Section 605B and the timeframe established by federal guidelines, these fraudulent inquiries must be investigated and removed from my credit report within four ( 4 ) business days after receiving this dispute and the attached FTC Identity Theft Report and identification documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered an inherent problem with the credit reporting system that this agency needs to change as innocent consumers are regularly being punished for doing nothing wrong. Two things happened this year that uniformly lowered consumers credit scores when they did nothing wrong and in essence changed and did nothing. XXXX changed banks and XXXX went out of business. I had a zero balance on my credit cards when those things happened and a record of 100 % on time payments when I did charge. Yet in both instances my credit score went down 5 points. These need to be reported differently so consumers arent punished because a business goes under or changes banks. Its appalling and outrageous that a good citizen gets punished when doing absolutely nothing wrong! 
Thank you, XXXX XXXX XXXX XXXX
Product: Checking or savings account

An account was opened fraudulently under my name with Chime - Online Banking. I have since contacted them and they confirmed that the account has been closed. I was later notified by my employer that due to a cyber breach with the employee website and my direct deposit pay was diverted to the fraudulently opened account. I was able to track that funds were deposited on XXXX XXXX and XXXX XXXX. I have tried to reach out the bank by phone and email several times to request an investigation to be opened and that they return the funds to my employer but they are sending me in circles. Phone calls with multiple member service agents ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX to name a few ) between XXXX XXXX and XXXX XXXX all conclude in they can not help me since I can not provide the email address. Since the bank account was not opened by me I have no way of providing that information. They advise that I email the support team so that they can open an investigation. Emails have been sent from XXXX XXXX to XXXX XXXX and I am mostly getting generic email responses where they ask that I send an email with the email associated with the account, which I do not have, or call their member service, which I have as mentioned above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Duplicate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX They are reporting my auto loan twice on my credit report, it is listed slightly different but it is the same loan and same account for the same car.
Product: Debt collection

Checked on my credit report and saw a balance of {$1500.00} from XXXX XXXX XXXX XXXX XXXX at am address I have never lived. I tried to dispute it through XXXX XXXX and they haven't done anything about it. I refuse to pay for a debt that's not mine. According to the report it was opened on XX/XX/2021 but they keep updating the last reported information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate accounts and inquiries which need to be removed from my reporting agency asap!
Product: Debt collection

I contacted this company and have disputed in the past. This account was resolved with the company Discover Bank. I will attach a statement from Discover Bank. 

XXXX XXXX Account XXXX. XXXX On XX/XX/2015, A company shown as Discover Bank was reported to my credit report per Credit Report. I have never signed an agreement with this company, and Nore have I ever heard of it. Upon further research, the debitor 's creditor did not verify this collection. Also, there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send an invoice and say it's min. According to FCRA, this company has violated my rights as a consumer. I'm looking into taking legal action to remove the fallacious account from my credit report immediately! I wanted to see if my dispute could be resolved by taking all necessary steps before taking drastic action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( # XXXX Manager is name XXXX ) phone # XXXX email : XXXX I am writing to formally complain about XXXX XXXX XXXX the third party outsourcing company. I have tried since XX/XX/2017 to cancel my monthly membership service to which I have not been able to log into since XXXX. I have tried for months to speak with a representative to cancel the services and each time a customer service rep blatantly hangs up the phone. I have been charged for months for a service that I can not use and/or log into. And have called to ask on several occasions to have it canceled only to no avail. The customer service representative have the competency of a first grader. They are taking my money each month for a service they have not rendered. I have spoken with an attorney about my legitmate concern to sue with regards to my complaint. In a era with so many security breaches that Experian and XXXX have had recently I am appalled that they continue to use a third part company with a deplorable reputation. 

I do plan to take legal action.
Product: Student loan

Previously under monthly {$5.00} in come based repayment plan with creditor for {$7000.00}. Loan debt. Account transfered to navient creditor.Now receiving bills saying i owe $ XXXX.asked for documenta to continue monthly plan with no response. Currently only ma ke XXXX $ an hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA ( fair credit reporting act ) XXXXBANK Account # XXXX, has violated my rights. 
15 U.S.Code 1681 Section 602 A. states that I have the right to privacy.

Along with 15 U.S Code 1681 Section 604 A section 2, states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I applied for a American exspressDelta sky miles credit card XX/XX/XXXX online.The advertisement said apply and receive XXXX Delta sky miles if {$3000.00} in purchases are made in the first 90 days of card activation.I received card and activated card and made over {$3000.00} in purchases inrequired time. I inquired when the bonus miles would be added to my account many times. after 2 months I was told the miles would not be given as I had had this offer before. I believe the card should not have been issued if I wasn't elgible.I was notified of this XX/XX/XXXX. 
my attourney sent a letter to American exspress XX/XX/XXXX requesting the bonus miles be put into my account they refused.Now I look to cfpb for HELP
Product: Credit card

I took my XXXX XXXX  XXXX XXXX XXXX XXXX XXXX to replace the valve head cover, which cost {$1600.00}. The repair was done incorrectly, causing oil leaks. After XXXX attempts to resolve the issue with XXXX, I contacted Capital One to dispute the charges. However, they stopped assisting me because I didn't have email communication with XXXX, as they don't have an email address. Despite providing evidence that my car wasn't fixed properly, Capital One denied my dispute. I eventually resolved the issue with XXXX but was disappointed by Capital One 's handling, especially as a long-time customer.
Product: Credit reporting or other personal consumer reports

I requested on 2 different occasions that the late payments reporting to my consumer report, be deleted from my consumer report, or delete the accounts all together. 
15 US CODE 1681e ( b ) - The Fair Credit Reporting states that Transactions, experiences, authorizations, and approval of credit aren't included in your consumer report. 15 US CODE 1681a -Definitions- Rules of construction-paragraph 2 -- Exclusions -Paragraph ( a ) & ( I ). Exclusions- Except as provided in paragraph 3. The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer, and the person making the report. This law states that transactions are not included in your consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XX/XX/XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Checking or savings account

I deposited my check on my phone XXXX XX/XX/year> about XXXX pm. My funds shouldve been available the next business day it were not Truist bank put another hold on it for several more days. Im being evicted cause The bank will not relesase my funds. My family is homeless with no food.
Product: Checking or savings account

On XX/XX/XXXX I made a fraud claim involving an XXXX $ charge i didnt authorize. I check back a few hours later and they closed my account and wont let me have access to any money in my savings that was there already or the money i had disputed. they said they have no time frame on when i can receive my check with my funds that were in my bank account. 
my bank account was through capitol one
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my record. Please verify all information is truly mine, correct and accurate. Please remove.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

On XX/XX/year>, my Wells Fargo online banking account was hacked by an unknown individual. This individual accessed my Wells Fargo portal and was able to process a cash advance of {$1200.00} from my Wells Fargo issued credit card to my Wells Fargo checkings account. A {$60.00} fee was charged as a result of that. 

Subsequently, 2 payments of {$100.00} each were sent out via XXXX from my Wells Fargo checking to unknown individuals without my authorization. A third payment of {$500.00} was processed but blocked by Wells Fargos fraud detection team. I was then notified of the fraudulent activities the next business day. 

A police report was filed with my local law enforcement agency - XXXX XXXX XXXX XXXX regarding the matter and a claim was opened with Wells Fargo to recover the lost funds on XX/XX/year>. 

I was told by Wells Fargos representatives that I would hear back after the investigation is completed on XX/XX/year> and a letter would be sent to me via email and posted to my secure Wells Fargo messaging center. I was also assured to not pay off the credit card balance of {$1200.00} as that was a result of fraud. 

On XX/XX/year>, I decided to call the Wells Fargo claims department as I have not heard back and was told that my claim was denied. It was determined that the activity was not a result of fraud and no further action will be taken. Case was marked closed without the ability to appeal or reopen. The claims investigator has not once contacted me to verify the legitimacy of my claim or tried to understand the situation. Ive requested a detailed claims file from Wells Fargo and was told that was sent to me but nothing has been received. 

This issue is extremely concerning for me as Wells Fargo has shown that it does not take its customers protection claims seriously. If a thorough investigation was launched, it wouldve been found that this was a result of fraud. I request help from the CFPB out of desperation and do not have any other avenues for financial recourse.
Product: Credit card or prepaid card

I submitted my information on American Express site and received a pre-qualified offer for XXXX points for spending {$5000.00} in 3 months on the American Express Platinum card. I was approved for the card and started using it immediately back in XXXX. I spent the $ XXXX in the first month, but after 3 months I noticed the points weren't there. I contacted Amex and they opened an investigation but said it could take up to 2 months. I just contacted them again and they are saying I'm not eligible for the bonus because their backend team says that it said on my screen that I wasn't eligible for the bonus. First off, this is completely false as I never saw anything on my screen saying I wasn't eligible when I applied. Secondly, this wasn't a public offer, I submitted information and was provided this pre-qualified offer of the higher XXXX point bonus ( I have attached a screenshot of the offer I received ). I'm completely in awe that Amex would make something like this up to not give me the bonus. They haven't provided any proof, they just make a claim and can pull this off.
Product: Debt collection

After I gave birth on XX/XX/XXXX at XXXX XXXX, I set up a payment plan with the hospital and it was paid off when my daughter turned XXXX XXXX XXXX in XXXX. I received a phone call in XXXX from XXXX XXXX XXXX that the insurance company hadn't paid them the payment at that time. I was told to contact the insurance company ( XXXX XXXX XXXX  ) and was threaten that the hospital will transfer the debt onto me if the insurance company doesn't pay the hospital so I called the insurance company and asked them to pay the payment. Now, I'm scanning the document and it seems like the hospital tried to claim the payment from XXXX XXXX California. It is a very stupid mistake that we told the hospital so many times that they needed to make the correction. 
More than a year later, XX/XX/XXXX, I received a mail from XXXX XXXX XXXX, a debt collector is claiming the payment from me. I called XXXX XXXX XXXX to clarify that we paid off our payment as we still have the records of the account # with XXXX XXXX. I also called the insurance company ( XXXX XXXX Florida ) to clarify the payment on XX/XX/XXXX, I was told that they erase payment history after 2 years, so they don't have records if they already paid the hospital or not. The lady at XXXX XXXX XXXX said that she will need to escalate the issue to her supervisor to get information. 
I got a phone call today from CMRE ( XXXX ), but the lady on the phone wouldn't give details of the reason for calling. All I got was the name of the company and very rude attitude. 
I looked up the company and understood that I need to take actions. 

It's very unfair that I need to go through this when I'm still trying to figure out what happened and why I'm bothered by a payment that I do not owe.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX XXXX. Validate Account XXXXXXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

In accordance with the fair Credit reporting act XXXX account # XXXX XXXX and 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 602 A section 2 : it also states a cosumer reporting agency can not furnish an account without my written instructions