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

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : XXXX Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ]
Product: Debt collection

Midland credit management reported in my credit for XXXX XXXX XXXX when it was already resolved with XXXX. This account is also too old to even be on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX Unknown : XXXX Unknown : XXXX Unknown : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited three checks via mobile deposit.

I forgot to write my name to the pay to order section I called if they can cancel it and I will correct it but I was told it can not be cancelled. 

The funds was already debited from the check issuer but chase is still holding the funds because they said they can not verify the checks if they can not verify it then why they took the money from the check issuer? 

Checks was deposited XX/XX/XXXX,2019
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently seen some inaccurate and incomplete information on my credit report from the CRA 's ( transunion, XXXX, and XXXX ). I sent them dispute letters on XXXX XXXX, requesting documentation and the validity of the alleged debts, 15 USC 1681 and have not yet received anything. 
XXXX certified # XXXX XXXX XXXX XXXX XXXX Transunion # XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had a fire in my home due to a lightning strike on XXXX/XXXX/16. Within 48 hours, I advised Wells Fargo, which stated they would send a " claim packet '' that would arrive within 5 business days. The following week, I called to check on the status of the packet, and was advised that a claim had not been opened with Wells Fargo ( further delaying any work towards moving back to my home ). The mailing address in my temporary apartment was confirmed, and a week later, I realized the packet was sent to my vacant home. WF then received my insurance check on XX/XX/XXXX, as well as my Contractor 's XXXX. I called on XX/XX/XXXX to check the status of the disbursement/pending items - and was told that the XXXX was not correctly filled out ( no one bothered to call me or the contractor to let us know ). Finally, after calling every day, on XX/XX/XXXX I received the check. When my contractor tried to deposit it on XX/XX/XXXX - neither of his banks would deposit due to my wife and I also showing as payees ( even though it was endorsed ). He even called a WF branch to ask if they would deposit ( assuming he opened a business account ), and was told my wife and I would have to show up for fingerprints. That same day, I requested another check be released showing only my Contractor as the Payee ( and provided written/signed authorization ). As of XX/XX/XXXX, I am XXXX % funding my own rebuild with the contractor, due to Wells Fargo 's inability to appropriately manage the claim process. Over 20 days since Wells Fargo has documented receipt of the claim check from Wells Fargo, my wife, my children and I have been given the ultimate option to continue to live without our home - OR, continue funding our own rebuild while WF sits on monies XXXX has provided.
Product: Checking or savings account

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

I am writing to bring to your attention a matter of extreme concern and frustration regarding the persistent issues I have faced in correcting the late open and removing a charge-off status on my financial records. Despite my repeated attempts to address and rectify these issues over the past several months, the challenges persist, negatively impacting my creditworthiness and causing significant stress. I am seeking your immediate attention and resolution to this matter. I kindly request a thorough and expedited investigation into the root causes of these problems and the implementation of corrective measures to rectify and correct the late payments and remove the charge-off status promptly. If there are specific documents or information required from my end to facilitate the resolution process, please communicate those requirements at your earliest convenience. I believe in fair and accurate reporting practices, and I trust that Credit Bureaus will take immediate and necessary steps to address and rectify these issues. I am asking for your help to correct or remove these accounts in my credit file : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$34000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX XXXX Balance : {$9600.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX. XXXX XXXX XXXXBalance : {$460.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX. XXXX XXXX Balance : {$3600.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Checking or savings account

I wanted to share an experience I had been attempting to close my Citibank checking account. Despite providing all the necessary information, including my account number, social security number, birthday, and address, I faced challenges with customer service in verifying my account.

Even after answering my security questions correctly, the representatives were unable to confirm my identity. Im uncertain if this was due to a language barrier, as the customer service representatives did not seem to be American, or if it was a technical issue on Citibank 's side.
Product: Checking or savings account

I've been in contact with your Chime customer service team, twice yesterday ( XX/XX/2023 ) and once today ( XX/XX/2023 ). 

Problem stems from a remote deposit. 

I've sent remote deposits before, through my Chime account. EVERY time I've done these remotes check deposits, funds have ALWAYS been available by end of business or end of same day! 

For some reason yesterday, I was informed by a Chime email that this " one '' particular check ( check # XXXX $ XXXX see attached ) was being held until XX/XX/2023, to make sure it didn't bounce? This makes no sense and not one of your reps can explain why " randomly '' Chime is holding this particular check? 

To add to the frustration, I've been told I can not talk to anyone regarding my concerns? I have emailed " SUPPORT '' twice now and called once. 

My Client/customer who issued the check, today ( XX/XX/2023 ) was going to " stop payment '' on this check through his bank ( issuing bank ) today, but was told it " CLEARED '' his bank today? 

I need someone to contact me by end of business ( XXXX time ) or I will be forced to take other action. 

There is no reason this should be happening! This is one reason why I do not use my Chime account as much as I used to and moved my direct deposit! 

2 business acquaintances told me of their problems with Chime, that's why I move my DD and do not use my Chime account, like I used to, in the past. I'm sure Chime uses algorithms and this may be why, NOW, a check is being held!? If so, although this is very shady business practices, I understand, because I don't have a ton of activity. 

Someone at Chime needs to have the accountability and " guts '' to explain why this happened! 

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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I do not have exact dates. It's been about XXXX weeks. 
The company ( XXXX owned by Morgan Stanley ) has removed all access to my account. They have approximately {$2900.00} including my most recent Social Security Payment. This problem was triggered when I attempted to open a second account. They claim their validation procedure requires an image ( no scans ) of my SS card. The SSA itself questions the use of an SS card as validation. I have provided several documents including a passport, voter registration card, and WA driver 's license. The " validation team '' has refused to talk with me directly. I can contact no one at Etrade Bank that can fix this. 
I am currently in XXXX, and SSA can not provide a new card. Finding the original card is very unlikely. I have never had this kind of problem before. Usually re-validating an account is a simple issue. There is no rational reason for this requirement.
Product: Credit reporting or other personal consumer reports

I HAVE PREVIOUSLY DISPUTED BANKRUPTCY XXXX WITH XXXX, XXXX, and Equifax. IN RESPONSE, THEY VERIFIED THE ITEM AS ACCURATE, STATING THAT THEY HAVE VERIFIED THE INFORMATION WITH THE COURT. 

I CONTACTED THE COURT. AND THEIR RESPONSE IS THEY DO NOT REPORT OR VERIFY INFORMATION WITH THE CREDIT BUREAUS. 

IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE, YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. 

EITHER WAY. THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I tried to log into XXXX XXXX to see all three fico scores and they told me XXXX HAS INCORRECT ADDRESS INFO. I try to log into XXXX giving my current address and XXXX says I can not log in due to incorrect address. XXXX has my correct address. Both XXXX and many other online credit services are telling me there is an address problem. So I created a new account with XXXX was able to get in but the screen to dispute is frozen. I have been trying for 3 days. Also my credit reports have two different middle initials for me and the correct initial is XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX XXXX, my brother 's telephone received the following text. The lady identified herself as XXXX XXXX and left a voice message sounding as if I was in big trouble and committed a crime, so I called the number XXXX XXXX XXXX and a man answered with Hi this is XXXX. I asked who he was, he said XXXX XXXX with XXXX or something, then he said Civil Arbitration something, I was nervous. He went thru a spill about me, that I had a Fifth 3rd bank account go overdrawn, it was back in XXXX. And how I could be charged with fraud and gave me several options. Again I was nervous so I ended up giving my credit card number and agreed to pay {$100.00} a month until paid in full. After the call I spoke with Fifth Third Bank, the lady said this did not sound right to her, a lawyer and he suggested canceling the card as did a few other people. I canceled the card, Then they sent me the XXXX Payment Email, So I did. Today I contacted CFPB. Thanks for being there! 

Text we received minus our names, New Voicemail Message from Unknown Number " Hello this message is solely intended for. My name is XXXX XXXX I'm contacting you in regards to a service of your legal documentation that I have received from you in my office. I'm contacting you in regards to the service of your legal documentation that I have received for you in my office. I have been schedule to make an appearance to either your residence or place of employment tomorrow XX/XX/XXXX between XXXX and XXXX XXXX. If I'm unable to get a signature on your documentation it will be recorded as a direct refusal to comply on your behalf in the process will continue without you being that this-is (? ) a time sensitive matter that is .... '' - XXXX Mailbox has a new voice message from Unknown Caller ( Unknown Number ). 
Length : 66 seconds Received on : XX/XX/XXXX XXXX ( EDT )
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX-Balance {$4900.00} XXXX XXXX-Balance {$790.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I received a spoof phone call from a phone number claiming to be Wells Fargo ( the number was the same listed on the back of my Wells Fargo Debit Card ). From there I was instructed there was fraud on my account. The hackers were able to get into my account during this phone call and transfer {$700.00} from Wells Fargo XXXX XXXX XXXX to my checking account., and approximately {$1600.00} from my savings ( all of it ) to my checking account without consent obviously. I was instructed by the hackers ( posing as Wells Fargo ) to complete XXXX transfers of {$1200.00} to my XXXX XXXX XXXX, claiming they needed a denied transaction in order to remove my debit card from XXXX wallet. After the transfers were initiated, the hackers were able to remotely shut down all my XXXX devices and stole and then wiped my XXXX ID clean. Thus, they now had access to those XXXX XXXX XXXX Pending orders. 

Concerns : 1. ) Fraud claim has been denied.

2. ) Provisional credits of about {$2500.00} will be taken back by XX/XX/2024 ( This is literally all the money I have ) XXXX. ) Wells Fargo allowed these transfers to complete. This should have been notified as scam alert and not allowed to finish pending without further approval/ authentication from myself. 
4. ) There has been zero communication from Wells Fargo, and this bank is allowing me to continue with negative amounts in my account. My money was not protected, verified from the fraudsters transaction, and has been lost ( this includes unsubsidized student loans I received from XXXX )
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to the consumer reporting agencies asking to have specific accounts on my consumer file removed as they are unlawful and violate the FCRA and the FDCPA. I am recommending the CFPB take a look into this matter. By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. 
XXXX, XXXX, and Transunion has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused me to be denied of housing for my family causing pain and suffering. Every dispute has came back verified but now i demand information how the information was verified if 15 USC 1681a ( e ) says An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information. I am also demanding information of me the consumer giving consent to each credit reporting agency with a wet ink signature stating that i agreed to have these accounts furnished on my consumer report. If you can not provide this document then my consumer report must be updated accurately with fairness.
Product: Credit card

I recently accessed my US Bank online account and on the main account website page, there is a button on the right side of the page that shows my current credit score with an arrow pointing to the right. I clicked on the buttown and was forwarded to a second webpage owned and operated by US Bank. I went no further. I did not investigate any further information in regards to my credit score. I did not accept any terms related to XXXX XXXX. I did not sign up for XXXX XXXX. I did not leave US Bank 's website ( my logged in online account ). 

There is no information on the US Bank website ( my logged in online account ) that discusses anything related to being automatically signed up for XXXX XXXX if the credit score button is clicked. I applied for a new credit card from a different company, and XXXX XXXX sent me an email notification. I did not sign up for these notifications and was automatically signed up from my online account with US Bank. 

I called US Bank and also filed a BBB complaint concerning this issue. US Bank refuses to unsubscribe me from this XXXX service via XXXX. I do not accept US Bank 's response to me, which is to register on the XXXX website or call, and then cancel the XXXX service that I did not sign up for. Then, I will have an online account with XXXX that I not want. And the XXXX terms of creating an account, I do not accept. I did not sign up with XXXX XXXX US Bank signed me up without any notification, or my approval. US Bank needs to remove me from the XXXX XXXX service immediately.
Product: Credit reporting or other personal consumer reports

The credit bureaus violate 15 USC 1681 by sharing and reporting my private information and that information is not validated and is wrong. I asked all 3 major bureaus with a certified letter to validate the bankruptcy on my report and to do so within 30 days of receipt of the letter and they did not comply nor did they remove the inaccurate information. Here is exactly what I requested in the certified letter when I requested that they verify the accuracy of the bankruptcy found on my report : ( method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information 2. The name of the person at the courthouse who handled your request 3. The address of the courthouse 4. Which document you obtained to verify the bankruptcy ). It was also requested that this information be removed if they could not validate it within 30 days. They have not given me the requested information nor have they removed the information. My information was leaked by these companies who should never have had access to, shared, or used incorrect information to gauge my credit worthiness. This is a HUGE violation of my rights.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

XXXX inquires listed on my credit file multiple disputes submitted no investigation done by Transunion XXXX inquiries remain and lowering my credit score Transunion refuses to take action even after multiple letters sent warning of legal action to follow
Product: Credit reporting

XXXX has a wrong address on my credit report : XXXX Equifax has a wrong address on my credit report : XXXX My correct address is : XXXX
Product: Credit card

Since XXXX I have a Capital One Walmart Mastercard Credit Card ; on XX/XX/XXXX the bank closed my account with an offensive letter stating that they closed my account because " the account activity don't meet its expectations ''. " Please stop using this account immediately and destroy any cards and checks associated with it '' The bank don't provide any specific why closed my account, making the situation a discriminatory act from capital one.
Product: Checking or savings account

I noticed some unauthorized inquiries on my credit report that I would like to remove. I called the TD bank and provided my SSN to have them research any accounts I have had and the supervisor stated that I dont owe anything to that bank at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a check from XXXX XXXX Customer Remediation ( XXXX ) XXXX. XXXX XXXX, XXXX, OR XXXX ; Dated XX/XX/2020 ; scan bar with XXXX It had old accounts on there which XXXX XXXX Closed , but now is apologizing for with a check for me in the amount of {$150.00}, which I ripped up of course, due to XXXX closing my account for no reason in the first place. 
It states that XXXX XXXX has requested an update to my Early Warning Services consumer report so that it does not reflect that my deposit account was closed due to the hold. Total hogwash. 

I will gladly mail you the letter and check.