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

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX  Account Number : XXXX Please investigate and provide Proof with statements showing that these payments were late. 
If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 Attorney General Child support added a derogatory mark on my credit report per XXXX, In the amount of XXXX, Upon further research, this account was transferred\sold and I am no longer responsible for the account, debt collector did not verify this collection, also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA Attorney General Child Support has violated my rights and I am requesting legal action to remove this account immediately. 

On XX/XX/XXXX a hard inquiry from XXXX XXXX reported on my credit report, I have no knowledge of this account. 

On XX/XX/XXXX a hard inquiry from XXXX XXXX reported on my credit report, I have no knowledge of this account.
Product: Credit card

I sent a fully registered security to Wells Fargo that abides by everything outlined in 31 CFR part 306 and 12 USC 391 that they willfully neglected to even process nor mention during their response to my original issue I asked that they remove all late fees charges and payments in regards to the account to which they also neglected to even address. They either need to process the security or I will be rescinding the security interest and deleting all my information on the private side. I also never gave explicit permission for them to report my personal information to ANYBODY including so called credit bureaus such as XXXX XXXX and XXXX and that of course was pursuant to title 15 section 6801-6802 and title 15 chapter 94 in general I also demanded to be compensated in an amount not less than {$100.00} and not more than {$1000.00} pursuant to title 15 section 1681n as is my right to which they also neglected to address overall I am extremely disturbed that the company has cut my access to the card yet denies any wrong doing and instead made the claim that no adverse action was taken on the account yet I do not have access to the entire account. I also informed them that it was my RIGHT not a request that my card be given an open ended line of credit to which they denied solely based off fraudulent information that they refuse to delete of my profile but I could have sworn I had the same legal equal lending rights as anybody else they also showed me a contract that WAS NOT the original contract that I signed and I CAN prove the discrepancies between the two if needed their contract was fraudulent and I NEVER agreed to pay them twice once in dollars tender or money and then again once the securities reach full maturity once again I would like to add that my access to certain tools and information on the account has been cut off WITHOUT having been taken to arbitration meaning they are attempting to force arbitration. XXXX XXXX also made the FALSE claim that nobody from Wells Fargo Debt Collections has reached out to me in regards to this account which was an outright lie and I even had to change my number for this reason but I will be forwarding the proof seeing as my phone definitely has caller ID. I hope that all my issues will be resolved amicably but at the moment I feel deep regret even choosing Wells Fargo to be involved in my finances
Product: Checking or savings account

Last year I have opened up an account with Amex Serve, everything was fine until XX/XX/XXXX when my account was shut down. On XX/XX/XXXX there was a direct deposit made in the amount of XXXX for a insurance claim that was filed for me and my partner. Due to Covid 19 we were forced to stay home and filed a claim with our insurance company XXXX, the processed the claim and issued a payment on XX/XX/XXXX. The deposit had a name of XXXX XXXX and Amex has decided to close my account. I have reached out to Amex on several times and none of them have been positive. My first attempt was on XX/XX/2020 and my second letter was date on XX/XX/2020. After second letter I have received a quick call stating the reason the closure but was not provided with any other options or a call back number to discuss that will happen with my money. I wrote another letter on XX/XX/2020 demanding my money either be refunded to the deposit be returned to XXXX so they can re-process it and have not hears back from them since then, I have even provided Amex Serve with copies of the actual claim information.
Product: Credit card

my credit card was lost, its a XXXX  mastercard provided by cbna and was used for XXXX $ i reportedit lost on XXXX of 2023 they closed the acct and said that after investigation these were my charges as one of the places the card was used, was also used by me on previous bill as it happens to be in my area that i live, i was not given any proof or anything to how come this decision was made
Product: Credit reporting or other personal consumer reports

I have sent two previous letters outlining certain errors and inaccuracies on my consumer reports. Ive also outlined many incomplete fields on my consumer reports which were set certified mail to the consumer reporting agencies. What dates and times did they contact you regarding my disputes? I am requesting a detailed respond to their methods to verify and rectify these inaccuracies and incomplete data being reported.

If you do not have the proper data to report/ furnish this information please delete this account since you have failed to do an investigation. You have also failed to do a re-investigation. Now I am requesting a detailed description of the investigation process by your company on the two separate disputes sent to the credit.

Below I will also outline with red circles outlining my consumer reports to show further inaccuracies and missing data/ incomplete information on my consumer report. Please delete/ remove these accounts if these inaccuracies cant be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, and Experian, several times by mail and by phone. This is regarding an account with XXXX XXXX XXXX. I have also contacted XXXX serval times by mail and by phone. The account is reporting on my credit report is inaccurate, not valid, and not meeting FCRA requirements. I have sent 3 letter to each credit burau and three letters to XXXX informing them the account has yet to be removed. The credit bureaus have not provided me any documentation showing how this account was " allegedly '' verified. I have file for identify theft and a credit feezed serval time as my information was apart of a data breach.
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 Account number : 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: Checking or savings account

Regions bank is charging overdraft fees on pending transactions, that don't affect the posted balance. This practice is unfair, and goes against the customer. If my posted balance is positive, I should not receive an overdraft fee, because technically my account is not overdrawn. On XX/XX/19 2 transactions posted ( {$7.00} + {$3.00} ) and left a balance of {$58.00}, which is the current balance of the account as of XX/XX/19. I received an overdraft fee on XX/XX/19, with the account having a positive posted balance and never had gone into an overdrawn status. I called Regions customer service on XX/XX/19 to get this resolved, and was told that Regions policy is that they use the pending transactions during processing, as if they posted to calculate the balance and assess fees. This is unfair. I have banked with Regions for 12 years, and the bank has always had unfair overdraft policies, which I have been a victim.
Product: Checking or savings account

In XXXXXX/XX/2023 my account was closed down by XXXX XXXX with little to no notice or explanation as to why it was being closed. I requested over XXXX times a brief explanation of why and the bank consistently refused to provide me any explanation and I was advised they were entitled to end the business relationship with me at any given moment. I had monies in my account at the time and was told I had to wait XXXX days after investigation and if any money was owed i would receive a check in the mail. In which i just received my money back from them on XXXX XXXX. And still no explanation as to why my account was closed. 

I opened a new account with Citi bank in XX/XX/2023 and they have now closed my account down that was funded with over XXXX in it and advising me of the same thing XXXX XXXX said, which was I violated terms and conditions ( which I have no idea what term or what action of mine caused a violation to their terms and regulations ) and they closed my account down. And they will investigate and any money owed i will receive a check in XXXX days after investigation. I have bills to pay. We are in the biggest crisis in American history right now there is no way anyone should have to wait that long of a time frame to receive their money that was indigenously taken away from them without any warning. 

This is extremely unfair and something has to be done to ensure people money is not being taken and used for other gains and profits. Please accept this complaint as a formal matter of course to generate a balance and better solution to consumers as myself. This is extraordinary behavior by a both XXXX XXXX and Citi banking institutions and they deserve to be investigated and held accountable. 

Thank you for your time XXXX XXXX
Product: Vehicle loan or lease

In 2018 My wife bought a XXXX XXXX and had never bought a car before. The sticker price was XXXX and when she walked out of the dealership she owed XXXX. She had no clue until I looked at it 3 years later. She was charged for gap insurance, and an XXXX warranty and the tire insurance and its funny cause it seems like the dealership, " XXXX XXXX and Ally financial made around XXXX each. And she even put down XXXX bucks down payment which didn't drop the price at all. Well when we had a problem with the engine we ended up having to pay XXXX bucks cause XXXX warranty didn't cover the cost. What we had done would have costed XXXX bucks to fix so it was like we paid XXXX bucks for the warranty XXXX for gap ins and I think XXXX for the tire insurance we never used and with the high interest rate and 6 year loan m, I added it up and Ally and the dealership made over XXXX each. So what. To buy a car, I have to pay for it twice if we don't have great credit. That seems XXXX  to me. The rich get everything cheap and the middle class has to pay double. But the kicker is, my wife had no idea she had the gap ins and tire ins snd the extended warranty added. She sd the lady was talking extremely fast and my wife didn't understand that she was going to end up paying XXXX times what the sticker was. We owe like XXXX pr XXXX and if we hadn't had all yhst we'd have paid it off already. I'd like to know if the cfpb recognizes that this was intentional and why couldn't my wife speak with Ally financial, and as her lender shouldn't they he protecting her from the dealership raising the price of the car XXXX tines. You'd think they'd want us to pay the loan back. Or at least say something XXXX hey XXXX XXXX, you realize you're getting a loan for XXXX and the price I'd the car is XXXX. But no. They want as much money as possible just like the dealership.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX XXXX RE : DisputedAccount-Notice to Furnisher HardInquiries DearSir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or an account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently was hit with a 30 day late payment when I actually made a payment. Golden 1 Credit Union also told me my minimum payment due was around {$3000.00} but when my credit report updated, it only said my minimum due was {$440.00}. My statements never said that.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXE XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. I have never been late with payments on this account. 
XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a XXXX fraudulent account 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 XXXX account opened at XXXX XXXX XXXX  XXXX {$1000.00} opened XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$620.00} opened XXXX these accounts have resulted in a fraudulent accounts 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 all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agency bureaus : Experian, What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, account have resulted in a account appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA XXXX ( XXXX XXXX XXXX ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this information ( bankruptcy ) on my TransUnion credit report, and it came back verified by the court. I reached out to the Clerk of the Court and the letter is attached stating they do not release any information to the Credit Bureaus. 
Please help me to resolve this issue. I am trying to improve my credit. I would like to buy a house. This is causing a lot of stress.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I disputed inaccurate information on my consumer report though equifax about XXXX credit bureau. XXXX fail to provide notice of dispute a violation of 623 a 3 FCRA.
Product: Credit reporting or other personal consumer reports

Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, Experian, and XXXX XXXX. THEY KEEP CALLING ME AND PULLING UP TO ADDRESSES WHILE IM NOT THERE THEY XXXX  MY MOM HOME XXXX XXXX THEY SAYING THEY GOT LAWYERS TO SUE ME AROUND MY KIDS THIS IS NOT FAIR AND THEY ONLY CALL TO THEART ME EVERY TIME I FILE A COMPLAINT WITH THE CFPB YALL REALLY NEED TO LOOK INTO THIS COMPANY JUST NOT ON MY BEHALF ON ALL CONSUMERS IN XXXX
Product: Checking or savings account

I began the process of closing three bank accounts in early XXXX by mailing a formal letter to what was at the time XXXX XXXX XXXX XXXX. I waited a few weeks before following up with a phone call to what is now Flagstar Bank, since I had not received any kind of response to my initial letter. 

The customer representative from XXXX informed me that my letter was never received, and I could not close my account over the phone, either. I was given a list of all the branch locations in Florida, none of which are within a four hour drive from me ( the reason I need to close my accounts to begin with is that I relocated ). The Flagstar employee then gave me specific instructions on how to close my account, which were to send an email with my account numbers to XXXX along with a copy of my ID requesting that my accounts be closed. 

I sent this email with all requested information on XX/XX/XXXX, and a week later still received no response. I sent a fourth attempt to close my account via email on XX/XX/XXXX ( see attached email ). I finally received a response two days later with a new, different set of instructions for closing my account ( attached ). Apparently, I received the wrong information and now need to send yet another letter, and this time it must be notarized. 

I emailed a fifth attempt to close my account via notarized letter of instruction on XX/XX/XXXX, and as of today ( XX/XX/XXXX ) have not received a reply, or my money. 

The CFPB says that " state law generally requires banks or credit unions to close your account in a reasonable amount of time. '' Although " reasonable '' is subjective, in my case it is clearly evident that this law is not being upheld.