23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am filing a formal complaint against Chex Systems , Inc. for including fraudulent accounts in my consumer report. These accounts were opened without my knowledge or authorization, as I am a victim of identity theft. Despite filing an identity theft report with the Federal Trade Commission ( FTC ), these inaccuracies remain unresolved on my report, causing severe disruptions to my financial stability.

The fraudulent accounts listed on my ChexSystems report are as follows : XXXX XXXX XXXX XXXX. 

- Reason : Non-Sufficient Funds ( NSF ) Activity - Reported Name : XXXX XXXX - Reported Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX - Date of Closure : XX/XX/XXXX - Account Number : XXXX - Routing Number : XXXX XXXX. XXXX XXXX XXXX - Reason : Account Abuse ; Non-Sufficient Funds ( NSF ) Activity - Reported Name : XXXX XXXX XXXX - Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - Date of Closure : XX/XX/XXXX - Account Number : XXXX - Routing Number : XXXX XXXX. XXXX XXXX XXXX  - Reason : Overdrafts - Reported Name : XXXX XXXX - Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - Date of Closure : XX/XX/XXXX - Account Number : XXXX - Routing Number : XXXX These fraudulent accounts have hindered my ability to open new bank accounts and conduct essential financial transactions. I provided ChexSystems with the necessary documentation, including a copy of my FTC report, drivers license, and proof of residence, to verify my identity and dispute these accounts.

Despite my efforts, ChexSystems has failed to take corrective action. This negligence is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates the removal of inaccurate or fraudulent information from consumer reports.
Product: Checking or savings account

Hello, I have a bank account that is a joint bank account with my husband. I have an old business account with the same bank. I was behind on a credit card payment with the bank and they took money as an offset from my personal account that I have with my husband This bank is XXXX XXXX XXXX. When I called them, they told me thats exactly what they did. This has put me in serious financial despair they did not let me know they were going to do this and I am not the original credit card holder. The original holder carry XXXX is deceased.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was shocked to find inaccurate information listed under my account. This incorrect data is completely unacceptable, as its unfairly impacting my credit score and causing me unnecessary stress.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I express my deep discontent and irritation toward the existence of erroneous information in my credit report. Unsubstantiated accusations without proof are intolerable. Adherence to legal requirements is crucial. Submit evidence or eliminate inaccurate claims promptly. I authorize you to deliver physical documentation and an updated credit report promptly. Listed below are the Personal Information that are being challenged : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous complaint # XXXX filed on XX/XX/2023 and closed on XX/XX/2023 as Experian claimed the problem was fixed and I would have full access to my credit file. I continue to get this response : Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. 

On XX/XX/2023 I received a telephone call from a representative at Experian who indicated I would have full access to my credit file. I still can't not access it. The previous complaint referenced above should not have been closed. 

The last time I had access to my credit file was on XX/XX/2023. 
I've attached the name and address page from my XX/XX/2023 credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late four times. There was definitely an error on their part. I was never four times 30 days late.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically debt bondagewhich falls under XXXX  as defined by the XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.

Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage. 
According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX  within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Checking or savings account

I placed an order in XXXX for extensions from XXXX XXXX. The item was damaged upon arrival I notify the company, they provided the shipping address. And I send the item back on XX/XX/220. I provided a receipt ( reg # XXXX ) to the bank on three occasions asking when will my refund be processed. And to date, I have not received my refund. My claim number for the case I open is # XXXX, I'm not really sure I'm comfortable making purchases using New York Community Bank if, my purchases are not protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard credit on my report from One Main Financial. I have not tried to get a loan with them and they have no business checking my credit.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Blockchain.com for withholding my funds for over XXXX months. The issue started in XX/XX/year> when I encountered glitches in their app, which led me to delete and reinstall it. After reinstalling, I was required to reverify my account, even though it had been previously verified. 

I promptly completed the reverification process, which was acknowledged by Blockchain.com. According to their terms, manual verification should take XXXX to XXXX business days if automated verification fails. However, after a week of waiting with no updates, I contacted them on XX/XX/year>. Their response simply stated that my case was being resolved and they would notify me when it was complete. 

Months passed without resolution. After XXXX months of silence, they contacted me again, requesting more information, which I immediately provided. Despite this, I still have no access to my funds and have received no meaningful updates from Blockchain.com. 

Upon further investigation, I discovered that Blockchain.com has a history of withholding funds from users, causing prolonged delays similar to mine. I feel that the platform is intentionally frustrating its customers to the point where they give up on recovering their money, and I am determined not to let them do this to me. 

I am seeking your assistance to intervene and help me regain access to my funds. 

Thank you for your attention to this matter. 

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

About four weeks ago, I received a call from someone demanding payment of a debt of {$1000.00}. I happen to monitor my finances extremely closely, never fall behind on debt, and have had a credit score over 800 for quite some time.

Never before this call, and never since, have I received any communication whatsoever regarding this debt ( despite the caller having both my mailing address, phone number, and SSN ). The best he could muster was that it was from California ( I've lived in Texas for 10+ years ), and that it was many years old ... possibly from a XXXX or vendor within XXXX ( neither of which have I ever had debt with ). I was certain this was a scam, but continued to question the caller ( I never hung up or cursed ) trying to get information. I insisted that I needed some sort of evidence of a debt, and I needed it in writing. He refused, and eventually hung up himself ( they claim this call was recorded ).

I pretty much blew it off as a scam until all of a sudden my XXXX   alerts me to a 'Collection ' on my credit score. The amount matches that from the call. The report says that this comes from 'XXXX XXXX XXXX '. I have inquired with XXXX XXXX XXXX and have not received a response. Without a doubt ... this is not my debt. I have no idea where this came from, but XXXX XXXX XXXX is refusing to communicate with me at all, and has never provided a single bit of evidence regarding this debt.

I can not have my excellent credit pulled out from under me without any justification and I am hoping to get this cleared up ASAP.

According to XXXX   ...

Date Reported : XX/XX/XXXX & XX/XX/XXXX ( I received two notifications from XXXX ) Collection Agency : XXXX XXXX XXXX Moved to Collection : XX/XX/XXXX& XX/XX/XXXX Balance Amount : {$1000.00} Status : Collection Account Number : XXXX XXXX ( shows the same for both notifications ) Any help will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I have requested multiple times since 2 years ago this company to provide me my 1099 C form ( cancellation of debt ) to properly file my annual income taxes and ad this discharged debt on my annual income, and they failed to provided it. 
They were contact by certified mail ( twice ) and multiple times by phone, and they refused to provide it. IRS is being notified about this issue, and they are aware of this situation.
Product: Credit card

I was pre approved for a credit card through Sparrow. They requested that I send them my personal information as a requirement of the approval process. I sent them everything they asked for. As a result, they concluded that my identity couldn't be verified. 

I drafted them a notice of the following : Please be advised that the adverse action credit denial on or before XX/XX/year> for a PRE-APPROVED credit card through SPARROW issued by XXXX XXXX XXXX XXXXXXXX, violates the Trust Agreement Act, the Equal Credit Opportunity Act, and the Consumer Credit Protection Act. Title 15 subsection 1611 governs my ability to charge any person who falsely and illegally denies me my own credit. 
As the underwriter of this consumer transaction, I demanXXXX XXXX XXXX  to provide me with a listing of all the factors involved in this consumer transaction. 
Furthermore, the Equal Credit Opportunity Act states that denying me my own credit is discrimination. SPARROW provided me with the reasons why I was denied my own credit ( see attachment ), however regardless of the reason I have a right to credit and withholding my securities is securities fraud. 
In the event that you continue to deny me my own credit, I demand you to retract my application and provide me with any equity gained, received, sold, transferred, acquired, etc from the pooling of assets from the original application. You ( SPARROW, XXXXXXXX XXXX XXXX XXXX, Trustees, and their partners and affiliates ) have no more than XXXX business days to remedy this violation in Good Faith, otherwise damages will be applied to the principal balance for retribution of ALL the aforementioned violations.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal and final demand for immediate action regarding the unresolved inaccuracies and invalid items on my XXXX credit report. Despite multiple disputes and clear requests for resolution, these matters remain unaddressed. Your continued failure to comply with the Fair Credit Reporting Act ( FCRA ) is unacceptable and has caused ongoing harm to my creditworthiness.
Product: Checking or savings account

Citi XXXX XXXX XXXX : XXXX. 

This is XXXX XXXX and I opened a Citi Checking and Savings Account on XXXX of XXXX tried adding Funds on XXXX of XXXX Via XXXX {$5000.00} and {$25.00} ACH total {$5000.00} as my balance was {$0.00} so i can start using my account. 

And on the same day I initiated a credit card payment from XXXX credit card on the XXXX of XXXX and later on that day i could not access my online account. 

So I called Citi Bank to inquire and I was told that Citi is closing my account with no further explanation given. 

This has resulted in a return check for my credit card payment and resulted in a negative impression.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX 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 ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. 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, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF EDXXXX US DEPT ED DPT EDXXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX 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 ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. 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, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF EDXXXX US DEPT ED DPT EDXXXX XXXX   XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX 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 ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. 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, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF EDXXXX US DEPT ED DPT EDXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau Experian I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

XXXX XXXX XXXX XXXX - XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, i am complaining here because i have contacting XXXX reguarding unauthorized usage of my credit, XXXX and XXXX have resolved this issue and recieved my complain, XXXX has not, I have never gave any authorization to have my credit ran by any of these companys, and I have kept all my information secure, I also have a fraud alert set up, You need to remove these fraudulent information immediately from my credit report as I am a victom of identity theft. Resolve in a timely matter. 1st ( unauthorized company inquiry ) - CREDIT INFORMATION S ( Date XXXX ) XXXX ( unauthorized company inquiry ) XXXX  XXXX CARD ( DATE XXXX ) I HAVE ALSO CONTACTED XXXX  XXXX AND LET THEM KNOW ABOUT TJE INFORMATION AS SOON AS I GOT THE NOTIFICATION TOLD THEM TO IMMEDIATELY CANCEL THE CARD THAT IT WAS DONE FRAUDULENT AND THEY CLOSED IT IMMEDIATELY AND WE MADE A INVESTIGATION CLAIM REMOVE THESE UNAUTHORIZED INQUIRES ASAP THAT WERE PROCESSED FRAUDULENTLY AND INDENTITY THEFT RESOLVE THIS ASAP PLS.
Product: Credit card or prepaid card

On XX/XX/XXXX My wife and I made a one time purchase of several items. This purchase included 2 bar stools, The bar stools was never delivered to us on the first delivery. Then the 2nd time of delivery they were delivered broken so we did not accept them and returned them with driver. Then we went to the wherehouse to pick them up and again they wanted to give us broken bar stools which we did not accept them and decided to forget the purchase of them. We went to Ashley furniture on XX/XX/XXXX and had a big argument with the Supervisor of the XXXX store and requested a credit on the Ashley Synchrony Bank credit card, which they agreed on. The bar stools was removed from our purchase and a credit memo was completed. The cost of the stools was removed. Now I see the charge for the stools of {$230.00} was placed back on this month for a purchase that was never made on XX/XX/XXXX. I want the charge removed for the 2nd time and stay off completely and not charge me again for the purchase of broken items that we refused to take. My Ashley Synchrony bank card last digits are XXXX. I am not paying for broken items that we did not take. 
Synchrony bank took this charge completely off the credit card and balance in XXXX and then put it back on again in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

SEE ATTACHED : VERIFCATION DOCS I am completely distraught about what has been happening to me over the last 120 days. Under the Fair Credit Reporting Act, I have a right as a consumer to fairness and accuracy of my personal information on my report. Not only have I not been able to access my credit file, but I also fear that my credit file containing my sensitive personal information is being misused without my consent. I have tirelessly contacted XXXX, Experian, and XXXX about my inability to access my consumer report. This has led to denials for new bank accounts due to verification issues, and also denials of credit extension. After all my efforts, these consumer reporting agencies continue to willfully neglect helping me. I feel like I am being played around with. This is nothing short of negligent willful noncompliance. Please help regulate this matter. I am a XXXX XXXX currently traveling and helping my clients and I am also a good consumer. I should not have suffer emotional and financial damages from this situation. Thank you for your time and help. I look forward to fast feedback and a quick and efficient solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX.2020 I've file documentation regarding to those unknown and inaccurate accounts that I found on my credit report. It cause me a lot of stress since no response yet its almost 60 days now. Im a victim of Equifax Data Breach and I demand to REMOVE ASAP those accounts on my credit report or I will file a litigation.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX