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

My mother is XXXX years old, has XXXX and lives in an assisted living apartment. I have power of attorney for her, handle all financial transactions, and pay all of her bills. My mother 's Chase bank checking account had five ( 5 ) fraudulent withdrawals using QuickPay with XXXX starting on XX/XX/XXXX to XX/XX/XXXX,  totaling {$8500.00}. On XX/XX/XXXX, I notified Chase bank of the charges and that they were unauthorized and fraudulent. Chase froze the account and reversed the charges. On XX/XX/XXXX, I received a letter from Chase notifying us that after their research they were removing the " temporary credit on your account '' and removing the {$8500.00}. from her account once again. 

When I called Chase in inquire about the removal of the fraudulent charges, they advised that they did not appear to be fraudulent because of the IP address. We have NEVER used XXXX and have NEVER made any payments to these individuals before and don't know who they are. 

Chase refused to give us the IP address saying that we would need a police report to get that information. I contacted XXXX County, Texas Precinct XXXX   Constable 's Office to make a report but was told this is a civil matter and they would not open a case. This is not just a civil matter - this is a criminal felony fraud matter on an elderly woman 's account.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I have no knowledge of this account. As I am looking to build my credit when I logged into XXXX XXXX I notice unauthorized accounts that has never been tied to me.
Product: Checking or savings account

On XX/XX/XXXX XXXX Bank frozed my account due to irregular activity they say I was spending money to fast.When I am a truck driver who was on vacation with his children.I am now homeless and kids had a bad XXXX because of it.Car got repossessed I really believe account was frozed due to discrimination it was no reason for account to be frozen at all I have documentation proving where I got money from..And me and my children has no food to eat for XXXX weeks.They put my money in a GL account.Saying its a fraudulent account.When it was actually my tax refund from XXXX opened up account with them and gave them a cashiers check from XXXX, another institution.That account was closed due to address verification.I trusted them they opened my account and frozed XXXX dollars.Initial balance was XXXX dollars.Please give me call XXXX if any questions or email me at XXXX thank you and happy new years
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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 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 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

On XX/XX/2022, I requested to have several accounts investigated due to inaccuracies on my consumer report. As of XX/XX/2022, Experian, XXXX and XXXX have not completed the investigation or if they have they have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX 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

On XX/XX/2022 I spoke with XXXX @ XXXX p.m she told me her employee number was XXXX. I notified her that these accounts ARE NOT MINE and they are furnishing fraud on my account. Accounts are incorrectly reporting as open, account showing delinquent when they are not, my non public information was shared to non affiliate 3rd party companies without my written consent who received a profit and I did not, credit inquiries from unknown sources, improper use of my credit report, identity theft plus more. 
XXXX XXXX XXXX XXXX # 'S XXXX & XXXX ( THIS ACCOUNT IS NOT MINE ) Charge off account, reporting a balance of {$420.00}. The reason this one account has two account numbers is because it is reporting different across all three bureaus. XXXX, Equifax and XXXX. This account does not belong to me as I told the sales rep. 
XXXX XXXX XXXX  ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ), NOR DID I HAVE A DRIVERS LICENSE AT THE TIME OF THIS FRADULENT CAR LOAN. I called the company and ask them to verify this account was mine by sending me the contract and they notified me that they didn't have a contract nor did Equifax, XXXX or XXXX verify this fraudulent account before they furnished it on my credit report. They did not exercise their grave responsibility to protect my privacy nor did they have my written consent to place this on my credit report. 
XXXX XXXX XXXX XXXX  ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ) comments on credit report state that this is CHARGE OFF ACCOUNT reporting a balance of {$8900.00} and the dates opened and balances are reporting different across all three bureaus. Equifax, XXXX, And XXXX. 
XXXX XXXX XXXX XXXX XXXX  # XXXX ( THIS ACCOUNT IS NOT MINE ) This charge off account is reporting a balance owed of {$640.00} XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ) This charged off account is reporting a balance of {$4500.00} XXXX XXXX XXXX XXXX  XXXX ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ) This charge off account is reporting a balance of {$4000.00} These fraudulent account are causing me and my family harm. I am unable to purchase a home because of these accounts being furnished inaccurately and not going through any verification process nor having my written consent to be furnished.
Product: Credit reporting or other personal consumer reports

I will also XXXXeI provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau ( BBB ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX and inquirires on XXXX ftc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXXXXXX {$600.00} XX/XX/year> Acct # XXXX
Product: Debt collection

Upon a thorough review of my consumer report, I have identified inaccuracies linked to information furnished by your agency ( see attached documentation ). As stipulated under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), any data provided to consumer reporting agencies must be accurate and complete. The errors noted on my report fall short of this legal standard. 

Additionally, I must address a more pressing concern regarding your agency 's actions. I have been advised by the XXXX XXXX XXXX that your entity has engaged in unauthorized wage garnishment involving state taxes. This conduct constitutes a direct violation of my rights and is without legal merit. 

Accordingly, I am invoking my right under federal law to formally request that your agency Cease and Desist all further communications concerning this debt, except in the context of : Providing documentation substantiating the validity and enforceability of the claimed debt. 
Issuing updates regarding corrective actions to resolve inaccuracies within my consumer report. 
Your adherence to federal obligations outlined in 15 U.S.C. 1692 ( Fair Debt Collection Practices Act ) is expected. Non-compliance will compel me to explore additional legal remedies to safeguard my rights. 

Please confirm receipt of this correspondence and provide a comprehensive response detailing the corrective measures being undertaken. 

Sincerely XXXX XXXX
Product: Checking or savings account

On XX/XX/17 I attempted to make a wire transfer from my Amex High Yield savings to my external account which had previously been verified. I received a call from someone at Amex wanting to do a 3 way call to verify ( again ) my account and was told that they did not do telephone confirmation. They asked me to fax over documents from my external account... I did ... 4 times and heard nothing back. I kept checking my account to see if it was ok but the account had a block on it from XX/XX/17 which I was never informed of. I filed a complaint with CFPB. I got a response back stating that I was told there was a block which I wasn't ( check the recordings you mention everytime you call ), I was also told I had never sent the required documents which I had... in fact when I spoke with XXXX in Bank Operations he was looking at the fax ... days before the CFPB Amex response. Here we are weeks later and I still do not have the funds and still do not have an answer. I call many times a day and am either told I will be called back which I never get the call, or am told something was wrong with the fax and to re-send then wait 2 days for it to b received then call back. This is ridiculous. This was part of a XXXX and now I look bad because I can not get the funds to pay to help... I need this fixed and I need the funds in the account wired to either of my external accounts ... asap. This situation is not funny and I am having XXXX where it should be XXXX. Now they want an Affidavit of Identity which I have faxed over 5 times and Paid {$25.00} to have it notarized.
Product: Credit card

I responded to American Express Delta card invitation and I meet there requirement but they refuse to award me the promotional which XXXX XXXX miles and {$50.00} credit to my account when I spent {$2000.00} in the first XXXX months and buying a air line ticket on Delta XXXX lines. 
I spoke with CS several times and proise me soon will be corrected but nothing done I talked with XXXX a supervise and said will take a month to be corrected I waited a 45 days I called again and she dined that she was going to work on and fixed and said you revived this promotion before and nothing she can do. 
I had American Express Delta before but I lost it and closed the account seral month later they send me several invasions again so I applied and meet all requrement but now thy saying no. 
My question is why thy send me invitations when they no I am not qualified why they did not reject my application.
Product: Checking or savings account

XXXX Opened new account XXXX Can not access to the account ( account blocked ) XXXX Called to Customer Service but hold time longer than 30 min and disconnected XXXX Called to Customer Service but hold time longer than 30 min and disconnected XXXX Called to Customer Service but hold time longer than 30 min and disconnected XXXX Called to Customer Service but hold time longer than 30 min and disconnected I want my fund back and close the account as soon as possible.
Product: Credit reporting or other personal consumer reports

I have disputed a collection account on my Equifax credit report multiple times. 
Each time they investigated stating the reported information by XXXX XXXX XXXX is accurate. This is not true at all and the account has been paid. Ive filed another complaint with consumer finance about XXXX XXXX XXXX falsely reporting a collections account to my credit report to Equifax. XXXX and XXXX both updated my credit reports agreeing the XXXX XXXX XXXX account was paid/debt no longer owed. And they removed it from my reports. I provided supporting documents of my account details, settled payments from my bank account, proof of account removal from the other credit bureaus and most recently I included the consumer finance complaint I submitted in XXXX. 
It has been over a year since XXXX XXXXXXXX XXXX was paid and equifax is clearly subpar when it comes to their investigations of credit disputes.
Product: Credit reporting or other personal consumer reports

I am filling FTC Identity Theft to report 1 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. CREDIT CARD opened at XXXX XXXX {$400.00} on XXXX XXXX BAD NAMES : XXXX XXXX XXXX XXXX XXXX XXXX BAD ADSRESS : XXXX XXXX XXXXXXXX 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. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and that there was an inquiry on my XX/XX/XXXXand XX/XX/XXXX Credit report for CITI Cards, Bank Credit Cards Inquiry Date XX/XX/2020. 

In XXXX I mailed out letter advising the company that I never submitted an application or applied for any of their products. 

I have not received a response from the company and the inquiry is still listed on my credit report. 

I contacted CITI Cards today and they said that could not assist with this issue.
Product: Credit reporting or other personal consumer reports

Subject : Disputes with Credit Reporting Agencies - Request for Assistance Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of great concern regarding disputes I have encountered with the three main credit bureaus : XXXX, Experian, and XXXX. I have been diligently working to rectify discrepancies on my credit report related to XXXX  specific accounts. Despite my efforts, these discrepancies persist, and I believe that my rights as a consumer are being compromised.

Below, I have outlined the details of each account in question along with a brief summary of the issues : XXXX. XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX - Balance : {$0.00} - Status : Sold ; Charged-off - Remarks : Purchased by another lender ; unpaid balance charged off - Action Taken : I have paid this account, and it should be reflected accurately. 

XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$2700.00} - Status : Collection - Remarks : High balance discrepancies- Action Taken : The reported information is inaccurate XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX - Balance : {$1200.00} - Status : Collection - Remarks : Placed for collection ; not my account - Action Taken : I dispute the validity of this account ; it is not mine. 

XXXX XXXX XXXX ( XXXX Accounts ) ** - Date Opened : XX/XX/XXXX - Balance : {$0.00} - Status : Current ; Paid as Agreed - Remarks : Credit card lost or stolen - Action Taken : Both accounts are closed and should be removed from my report. 

XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX - Balance : {$0.00} - Status : Account Paid in Full ; was a Collection - Remarks : Settled less than full balance ; paid collection - Action Taken : I request the removal of this account from my report. 

XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX - Balance : {$4000.00} - Status : Charge-off - Action Taken : Submitted mutliple disputes. 

XXXX. XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$7600.00} - Status : Collection - Remarks : Account previously in dispute-now resolved; placed for collection - Action Taken : I am seeking removal under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached supporting documentation to validate my claims. Please investigate these matters with the respective credit bureaus and facilitate the correction of inaccuracies in my credit reports. Your prompt attention to this matter is highly appreciated.

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

This account was paid in full at the closing of the sale of my home in XXXX 2016. The proceeds were deducted from the sale and delivered to Capital One Bank via the title company attorney that closed the sale. Please review the attached HUD at the foot of page ( XXXX ) were it is stated that a total of {$4900.00} was withheld and further communications with my attorney confirms that the funds were sent and my account balance is now XXXX but this account is still showing as a judgment on my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

its been over 90 days and incorrect information is still being reported on my credit report. I have not heard from Experian, XXXX  or XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding TransUnions Response to my CFPB Complaint ID XXXX submitted on XX/XX/2020 regarding my mortgage account, XXXX XXXX, which TransUnion responded by correcting the errors on my credit report as of XX/XX/2020 and closed the complaint. 

However, TransUnion overlooked one item on my XXXX  account that was not corrected : In " Terms '' - it still reports the word " Deferred ''. Therefore, TransUnion needs to correct this error by deleting the word " Deferred ''. 
Delete DEFERRED thats still reporting under the TERMS Section on my report. I have attached my TransUnion credit report dated XX/XX/2020 to show this error. 
I have also attached my CFPB Complaint ID XXXX to show TransUnions Response on XX/XX/2020 which reported the following -- - We received notification from XXXX : The following have been updated : the payment history has been added from XX/XX/2020 to XX/XX/2020, the balance updated to {$700000.00} and the creditor remarks PDE ( payment deferred ) and AID ( account information disputed by consumer ) have been deleted from your TransUnion credit report. 

I hope to receive an immediate response to correct the above error as this will finally clear my credit report of all inaccurate information on my XXXX account. I thank you in advance for your time and effort in concluding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing online disputes, and calling the Trans Union customer service number to notify them that I was a victim of their agency 's inquiry issues, like many others that had been victimized due to the same issue. 
The rep would not offer to assist in correcting the long list of 40 erroneous inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

Inquiry Deletion Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX This letter will notify Equifax that the following companies placed unauthorized inquiries on my credit report on XX/XX/XXXX. 

I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I initiated this inquiry Either provide me with strict proof or DELETE the item immediately. I will take legal action if you do not delete the inquiry in 15 days. 
Under 15 USC Section 623, you have 30 days to do a reasonable inquiry into this matter. 
Suppose you ignore this letter and do not delete the inquiry or don't provide STRICT proof of authorization. In that case, I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 
The following companies placed unauthorized inquiries 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 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 Your cooperation in advance is appreciated. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Back in XXXX or XXXX I got the loan for XXXX at XXXX  % interest. Loan account number XXXX. I had paid over half the loan off and was trying to refinance for lower interest and kept getting denied After XXXX attempts I have up on it. With this same loan I've had multiple occurrences through XXXX where my auto has been shut of resulting in late fee and phone calls wondering why I'm not paying. 
My name is XXXX XXXX. I've been a customer since XXXX. I like in XXXX nebraska. I don't feel comfortable about putting any other information on this complaint.