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

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED THE FOLLOWING INFORMATION REGARDING INQUIRIES TO BE IN ERROR. THE FAIR CREDIT REPORTING ACT STATES THAT THE ONLY PERMISSIBLE PURPOSE FOR PULLING A PERSONS CREDIT REPORT IS ( 1 ) A FIRM OFFER OF CREDIT, ( 2 ) INSURANCE, ( 3 ) AN APPLICATION FOR EMPLOYMENT, OR ( 4 ) A COURT ORDER.

THE FOLLOWING INQUIRIES ARE NOT RELATED TO ONE OF THE ALLOWABLE PURPOSES, AS I HAVE REITERATED FROM THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Checking or savings account

Reveieved letter saying a checking account and debt card was open XX/XX/2022 with my name. I did not open the account. I have been unable to speak to anyone at the bank ( The Huntington National Bank ). Their automated phone service tells me to call back. I did report it online but have not heard back from the bank. The letter said a XXXX debt card will be sent 7-10 days. I called XXXX asking if the accout could be closed. They said I would have to talk to the bank which is not possible because they are closed until after the holiday.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 or other personal consumer reports

I'm in the process of buying a new home and working on building my business and the accounts below are affecting my credit profile. I have disputed these accounts with all three credit bureaus and no progress have been made. 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. 

Account name XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

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

These inaccuracies are stopping me from buying a new house for my family and it's also stopping me from obtaining business loans and business credit cards.
Product: Checking or savings account

On XX/XX/XXXX, I remotely deposited a check from XXXX ( XXXX ) to my checking account at the XXXX WV location. I was told it wouldn't clear until the XXXX. I was told the check cleared on the XXXX. On the XXXX I tried to pay a bill and the payment was denied. I was told the account was restricted because i had to prove the check was meant for me. The fraud department was involved in this. I had an in-bank meeting on the XXXX. It was very unpleasant. I was told if I closed the account I would receive a check from the bank in 5 to 7 business days. Nothing like that has happened. I have since contacted all Chase numbers i could find and also XXXX. XXXX sent me a letter describing my account and the delivery of the check to my address. They enclosed a copy of the front and back of the check with my signature and deposit information. The date on the copy shows the check cleared on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX Balance XXXX {$500.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying cXXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my XXXX  contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Vehicle loan or lease

declined my deferred payment request even though I told them about my military service, deployments and XXXX Veteran Status. Im a 100 % service XXXX veteran.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam Recent indicate that the individuals associated with XXXX XXXX XXXXXXXX Department of Government Efficiency ( DODGE ) have been granted unauthorized access to the U.S Department of Education 's federal student aid systems. This access includes sensitive personal and financial information of millions of borrowers, included myself. 
Specifically, it has been reported the XXXX representatives have been feeding data from the Education Department into artificial intelligence systems maintained by third parties, subjecting the data to significant security risks. 
As a borrower, i am deeply concerned that my personal information, including my Social Security number, tax identification number and financial records, has been accessed and potentially misused without my consent. This unauthorized access constitutes a gross violation of federal privacy rights and nullifies my enforceable loan agreement under federal law Legal Grounds for Discharge : 1.FERPA Violation : The exposure of my educational records without my express written consent is a direct breach of FERPA, which mandates the protection of personally identifiable information. 
2. Violation of Privacy Act of 1974 : The mishandling and authorized disclosure of my personal information contravenes federal requirement that safeguard the privacy of individual 's data managed by federal agencies and contractors. 
3. Breach of the Higher Education Act : compliance in loans transfers. 
The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loans transfers. The transfer of loans to XXXX XXXX 'S DODGE subsequent data breaches demonstrates clear negligence. 
4. Breach of contract and Data Security obligations : By failing to protect my sensitive information, XXXX have breached contractual terms and obligations, rending these debts unenforceable. 
Demand of Resolution : Given the severity of the breach and the resulting compromise of personal and financial information, I requested that you immediately cancel and discharge my student loan debt in full. Immediate and unconditional cancellation of all financial obligation associated with my student loans. 
Complete removal of all XXXX related entries from my credit report. 
Written confirmation of this cancellation and credit correction within 30 days If my demands are not met, I reserve the right to pursue all available legal remedies from these privacy breaches and Violations of federal law. 
Your prompt attention in this matter would be greatly appreciate Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

Portfolio Recovery, acct #  XXXX  is reporting derogatory on my credit. I am now working with an attorney.  XXXX   XXXX  is the original owner of this debt but reporting falsely as  XXXX . This account was included in my chapter  XXXX  bankruptcy and need to be deleted fr.om my file immediately or I am forced to sue. My chapter  XXXX  bankruptcy has been discharged effective   XXXX .
Product: Money transfer, virtual currency, or money service

I am the owner of a Coinbase.com account. 

I have a valid username and password to access the account but am not able to access it due to two step authentication that needs to be reset as I have a new phone ( same phone number ). 

After multiple attempts ( 4x different times of day ) on Sunday, XX/XX/XXXX calling Coinbase support XXXX XXXX XXXX XXXX XXXX - the service states that all of its specialists are busy and hangs up. No holding, just hang up. 

Attempting the proposed alternative - submitting a ticket online, each ticket ( submitted 2 within the span of 1 hour ) created gets automatically closed with the following message : " This is an automated notification that your case has been closed. We have delayed logins to your account due to an unrecognized device used to generate your 2-step verification code. '' The automatic closure of my online ticket is directly tied to my 2-step verification issue - I am stuck in a cycle that has no means of resolution. I want access to my money.
Product: Debt collection

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, XXXX XXXX  and FTC
Product: Credit reporting or other personal consumer reports

inaccurate reporting fraud claim files with police department
Product: Credit reporting or other personal consumer reports

Good day, I have a credit card with Fifth third bank. My credit card reports to the credit agencies every month on the XXXX. My account was reported twice in 30 days to credit agencies to XXXX and XXXX which is not correct. My credit score dropped XXXX points due to system error or manually inputted incorrectly. XXXX is the only one reporting correctly. 

I spoke with a supervisor at fifth third and she said she did not see my account reported on the the XXXX of XXXX and she would open an investigation to see if or why it was reported. However, my credit score dropped do to their system error or it manually being inputted in the system.

I also spoke with two representatives from Fifth third and they did not know or understand due to not speaking clear XXXX and one saying that there is nothing that can be done. Also she said they can not change nor update anything.

I've never been late nor missed a payment on this account. I also spoke with all three credit agencies and XXXX and XXXX states that Fifth third reported to them. I feel discriminated against due to my race and credit from a banking company. 

I know that credit updates on reports are only updated once a month not twice within 30 days. This is hendering my quality of life. So I would like this issue to get resolved as soon as possible so my points on my credit is corrected and I can continue to pursue my quality of life as the next person. 

Can someone please assist me in getting this issue corrected. Please advise. 

Best regards, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX & XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Ma'am/Sir, I am writing to follow up on my previous letters regarding the inaccurate and misleading accounts that are still present on my credit report. Despite my repeated attempts to bring this matter to your attention, these accounts continue to persist on my report, causing unnecessary confusion and potential damage to my credit score. 

The following accounts continue to appear on my credit history : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  Account XXXX : XXXX As previously mentioned, these accounts contain inaccurate information and do not match the criteria set by the Fair Credit Reporting Act ( FCRA ). I have requested a thorough review, highlighting the discrepancies and inaccuracies in various criteria. As per my understanding, when there is a failure to verify the validity of these accounts, they are required to be removed entirely from my credit report. 

Upon recent verification, it is evident that these accounts are still incongruent with each other. I am deeply concerned about the potential harm to my reputation with future creditors if these inaccuracies persist on my credit file. I have worked diligently to maintain a positive credit record, and I am apprehensive about facing issues in the future, particularly when venturing into new business endeavors. 

My question remains, how did the verification process conducted for these accounts? I believe that it is essential for me to understand the process you used to verify the accuracy of the information contained in my credit report. 

I kindly request that you expunge these inaccurate accounts from my credit report immediately. I desire to start fresh with a clean slate and avoid any potential issues that may arise due to these erroneous accounts. 

I appreciate your prompt attention to this matter and expect prompt resolution. 


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

XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' CFPB Sues Nation 's Largest Student Loan Company XXXX  for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXX , Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception Remains XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Filed ftc 60 days ago
Product: Checking or savings account

Chime stated they found, " fraudulent '' activity, and they suspended my account and I now do not have access to my funds. They are requesting documentation to verify my identity. I have provided the documentation that they've requested. They still have not unlocked or reinstated my account. There is NO fraud associated with my account. They have refused to send the balance of my account, {$780.00} roughly to me. I am unable to access my account in any way. The trigger for this was my trying to transfer monies from my XXXX account to my Chime account. I have had my account with Chime for 5+ years now. I have never had an issue with Chime until now. My children and husband also have Chime accounts. They are now in the process of closing their accounts. Upon searching for, " chime closed my account and refuse to send the balance of the account '' I found XXXX instances of the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the information being reported on my credit report by the listed creditors. I have already disputed these items with the credit bureaus, but the creditors have failed to provide verified information in response. As such, I am seeking your assistance in enforcing my legal rights under the FCRA and FACTACT. 

The inaccurate reporting by the creditors is causing serious harm to my financial wellbeing and has been affecting my ability to secure loans or credit. These inaccuracies have caused my credit score to be artificially low, making it difficult for me to obtain credit at reasonable rates. This has also resulted in me being denied credit opportunities and has made it difficult for me to obtain the financing I need to make important purchases. 

For instance, XXXX XXXX XXXX ( Transunion Sowing ) has been reporting inaccurate account type and monthly payment information, which is a clear violation of the FCRA. Similarly, XXXX XXXX XXXX  has been reporting inaccurate account type and monthly payment information. XXXX XXXX  XXXX XXXX & XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have all been inconsistent in their reporting of account type and monthly payment information across different credit bureaus, which is a violation of FACTACT. 

These inaccuracies have had a significant impact on my life. For example, I have been trying to secure a mortgage to purchase a home, but due to these inaccuracies, I have been denied the loan. Additionally, I have been unable to obtain credit for other important expenses, such as a car loan or a student loan, which has further hindered my ability to improve my financial situation. 

Therefore, I request that you assist me in enforcing my legal rights under the FCRA and FACTACT. Specifically, I request that the listed creditors remove these unverified collection accounts from my credit report. I believe this will help me improve my credit score, which will, in turn, enable me to obtain the credit and financing that I need to live a better life. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

So, this is my second complaint about Chase Bank in 2 months. Same issue, same mistake on their end. Last time I was nice, was able to resolve myself with Social Security and I let Chase off hook, today I am livid. My 2nd stimulus was due. Now the IRS website did not become functional until XX/XX/2021. I checked, saw my stimulus check was sent to Chase XX/XX/2021 to a closed account. I immediately called Chase claims however they were closed and it was not even XXXX MST. I called first thing on the XXXX, XXXX sharp. I told the woman right up front in XXXX I opened a similar claim for a Social Security check and the claim was filed incorrectly. No worries she told me, she knew what to do. She saw the transaction, told me {$1200.00}, she got the trace number, it was rejecting, no problem opened the claim noted what account it would be deposited into, said give it a day, if any questions I would be called. I checked all day, nothing ever showed pending. On XXXX/2021/not seeing it in my account, I called Chase to see what happened. Well, they screwed up again and returned the {$1200.00} to the IRS. I could not believe this happened AGAIN. Im no stranger to banking, I worked for Chase for 26-1/2 years. I work for another financial institution now. I know the funds reject morning after and thats when the money needs moved to the other account. I called the Executive office, spoke with XXXX, what a joke, patronizing as XXXX. THEN I get an email alert with a letter advising as discussed nothing was done with the claim, funds returned to the IRS are you kidding me? As discussed my XXXX. Now maybe {$1200.00} isnt much to someone like XXXX XXXX but to me it was a lot. I am the sole provider right now for XXXX of us. My daughter lost her job due to COVID and her and my XXXX grandchildren came home to live with me. My oldest son has been quarantined 3 times, thats 30 days due to COVID exposure at his work. My youngest son is currently quarantined. We have experienced XXXX 4 times within my own family, brother, his wife, kids. You get the point. I contacted the IRS and maybe I will get a check, depends they need all this done by XX/XX/XXXX otherwise I can take as tax credit. A lot of good that will due. I divorced this year taxes are iffy and which one can claim it even though only I worked but he could beat me to it then I am SOL. So in the meantime I have {$200.00} in NSF fees, Big Bad Chase needs that money. Heck they probably got PPL. The rich get richer, the middle class is hanging by a thread. In addition to this complaint I am taking this to the news station. Once I can overlook, twice is incompetence. Time to clean house, maybe start with the head and go down, bit XXXX XXXX is too busy on XXXX XXXX to care about the peons..