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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quicklyXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint personally regarding late payments on my credit record. Upon examining my files, I discovered these late payment entries. I sent correspondence about this issue more than 30 days ago but have received no reply, and adequate validation has not been provided. I'm seeking your help to address this matter quickly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. Dept Of Ed/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Mortgage

Well 's Fargo owes me a refund paid out XXXX only owe XXXX. Also paid court fees and lawyer fees. Court dismissed this father passaway.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These account are unknown to me. Also, the information you provided on other account are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Product: Checking or savings account

To Whom It May Concern, I recently closed my HSA with UMB Bank. The account was opened with my previous employer XXXX XXXX because it was the only option for their HSA. I didn't have a choice of banks and not opening an account meant forfeiting my employer 's HSA contribution. 

When I changed jobs, UMB Bank started charging {$2.00} per month for a " service charge '' and an additional {$3.00} per month for an " Investment Account Administration Fee ''. I managed my own investment for the HSA account by choosing low-fee Vanguard funds, so I am not aware of what " service '' UMB Bank was providing for the money.

Once I realized how much money was wasted per year on these " services '', I chose to transfer my balance to another bank that has {$0.00} service fees for an invested HSA account. However, UMB Bank charged me {$25.00} for a " Closure Fee ''. Charging an account closure fee for an account open for several years and which I never had an opportunity to opt-out of is not reasonable. 

I have contacted UMB Bank twice to request reversal of the account closure fee. In the first call on XX/XX/2021, a UMB Bank representative said they had an account closing document signed by me that included the {$25.00} closure fee. I requested they email it to me. The document they emailed was from XXXX about doing an account balance transfer and did not include any language about an account closure fee for UMB Bank. In my second call on XX/XX/2021, UMB Bank insisted they could not reverse the closure fee. I informed them at that time that I would file a complaint with the Consumer Financial Protection Bureau. 

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

I have attempted to freeze my account countless times with Equifax due to the breech of my informaiton. 
Everytime I enter the information for processing I receive a message that they can not process and to try again later. 
It is XXXX and I am still trying and still receive the same message. 
I see from research this is the same results other consumers are having when attempting to put a freeze on their account. 
Equifax needs to be shut down!
Product: Credit reporting or other personal consumer reports

Credit reporting agency had a date for a collection to be removed but had changed it..
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 Account Number : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/17 I noticed errors on my consumer credit report. An illegal reporting account that has numerous violations According to the Fair Credit Reporting Act. JPMCB CARD : Account number : XXXX. According to the Fair Credit Reporting Act 15 U.S.Code 1681a ( 2 ) ( A ) ( i ) Reported information can not be only transactions and experiences between the consumer and a company. Notice, it is a fact, that JPMorgan Chase affiant is aware this reported information is only information based solely on transactions and experiences between Someone else, the consumer, and this { JPMCB CARD }. This is a violation of 15 U.S.Code 1681a ( 2 ). I never consented my information to be shared on my consumer report nor did I get consent to this account as a joint account. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as XXXX, XXXX, and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) I never signed a contract and JPMorgan Chase has failed to properly show proof of proper debt validation in their following decisions is also a violation of 15 U.S. Code 1681o ( a ) ( 1 ) - For negligent noncompliance, or in other words, failure to comply even though they should have known they must comply, is equal to the sum of action damages. it is a fact, the affiant is aware, negligence is neglecting requirements that should be known. I, the affiant and consumer, made { JP MORGAN CHASE } aware of, prior and continued failures of reasonable procedures as seen in Exhibit. The affiant has reason to believe and do so believes due to { JP MORGAN CHASE } business practices, { JP MORGAN CHASE } actions are liable under 15 U.S. Code 1681o for the actual damages caused to me, the consumer in fact. I am demanding this illegal account be removed from my consumer report for these violations or I will be seeking monetary damages and consulting with my lawyer how my consumer rights have been violated. Chase has failed to provide any documentation on this account or prove to me that I agreed to open this account they've sent me documentation that has nothing to do with my dispute. " They claimed it was accurate cause I knew about the account '' which I have a right to a fair consumer investigation. They also mentioned " To protect their privacy, we are not providing you with any details of our resolution '' which is illegal and outright disturbing. Ive been disputing this illegal account for months I need this illegal reporting account to be removed
Product: Credit reporting or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Truist Bank is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Truist Bank, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Truist Bank never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continuously does not allow access to dispute an item they are reporting on my credit report. I have tried to dispute an item online and over the phone and they continue to state there is an error with their system. This has been an ongoing issue. They are reporting an account for XXXX XXXX with a balance of {$5600.00} on my credit report, however ; this account has been settled as paid in full and they have refused to allow me to dispute the balance to update my credit report. XXXX XXXX is reporting a balance of {$2400.00} on my credit report, however ; this company will not allow me to make a payment, they stated they sold my account to another lender, however ; they did not list this on my credit report that it was sold, they are still reporting a revolving balance and I have not received any letters from XXXX XXXX  telling me my services was sold, who the lender was.
Product: Credit card or prepaid card

On XX/XX/2021 Kids Need to Read was sent a denial letter for an Amazon Credit card that we did not apply for. The card is from Synchrony Bank. No direct contact information was given in the letter. When we reached out to Amazon we had no way of addressing this issue. 
We are concerned that someone may have tried or is trying to open additional accounts under XXXX XXXX XXXX XXXX. With no way to address this issue with the companies involved, we were forced to apply to CFPB.
Product: Credit card or prepaid card

I got an email from Venmo today XX/XX/2023, titled, Apply for our card with no impact to your credit score if declined. Now I work for one of the largest banks in the world as a regulatory risk consultant so I was intrigued because if you are declined for a credit card there is really no possible way to prevent that from potentially impacting a credit score. Its impossible. So I open the email to see, maybe its not really a credit card? It is, and in very very very fine print at the bottom it says, Subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply. You must have a Venmo account in good standing, that has been open for at least 30 days prior to application. An approved Venmo Credit Card application will result in a hard credit inquiry, which may impact your credit bureau score. Okay so the title says no impact if declined, only to in very small letters say the opposite. Its very misleading. This is a clear violation of the Unfair, Deceptive, or Abusive Practices Act, and a violation of truth in marketing. The damage occurred as soon as you apply and have a hard inquiry, but if you are declined you have nothing to show for it and it could make it harder to apply somewhere else and can affect the pricing from underwriters. Please do something about this awful campaign immediately, so many people will be deceived, and its such a blatant trick.
Product: Checking or savings account

Morning, I opened a checking account as a new customer with Key Bank in XXXX, CT last month. Key Bank was offering {$400.00} for every new account opened with two direct deposits and payable within 60 days from the opening of an account. 

I have been working from home on a recommendation from a XXXX. I went to go deposit a check from my dad for {$180.00}. and this bank has two slots, one for cash, and one for checks which I didn't realize. Upon trying to deposit the check, I must have hit cash and could not exit out of the transaction at the ATM. I tried a {$1.00} bill, an envelope, nothing worked, so I put in a blank check from an old bank just to get the transaction finished so I could actually deposit the {$180.00}. The second time I tried depositing it, it was successful. 

Then the next day, based on an email from a friend, I signed up for a second job as a XXXX person. A bank check, appeared to be a bank check, arrived and I deposited it for {$2300.00}. After sleeping on this deposit, it seemed weird they never asked for a Ssn for tax purposes, etc. I called Key Bank and a gentlemen told me to just watch my account. That didn't sit right with me, so I reported it as a fraudulent check the next evening. I've gone to my local police, submitted any and all paperwork to KeyBank, was forced to close my account and told KeyBank will not open a new one with me! Mind you this is days before they should pay out the {$400.00}. I haven't switched banks in a long time, and have never had such a horrible experience. The guy upon opening my account at KeyBank was asking about jobs at my company, and what his friends in XXXX could do to apply as well. Now they won't open a new account-which is fine at this point-but they also mentioned absolutely nothing about the promo deposit of {$400.00}. I have never worked with such an unprofessional bank or heard of refusing to open another account. I would like someone to look into this and explain why they are refusing to accept customers and negating their promo.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX XXXX  Balance {$19000.00} XXXX XXXX XXXX XXXX  Balance {$10.00} XXXX XXXX XXXX XXXX Balance {$6800.00} XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX : {$70.00} XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}
Product: Credit card

A credit card account was open fraudulently in my name using my social name and date of Birth
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Credit report File and there are some items and information that do not belong to me whatsoever. I complained earlier this Month on XX/XX/XXXX, and this complaint is a follow-up to that complaint Please investigate these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX The names and addresses are not mine, while the accounts and inquiries are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked in accurate XXXX Account services and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 
XXXX AccoXXXX 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 {$10000.00} 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 XXXXXXXX XXXX 

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: Checking or savings account

Wells Fargo would charge me outrageous overdraft fees when I called and ask to waive them they would say the couldnt also my account was had a couple of unauthorized charges and they gave me a provisional credit but as soon as it was applied they would reverse it and my account would be overdrawn