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

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed writtenconsent.
Product: Debt collection

Open XXXX charged me for a debt that is incorrect and would not attempt to resolve and debt collector will not fix.
Product: Credit card or prepaid card

In XX/XX/2017 American Express Advertised to me, a new XXXX credit card that offered XXXX XXXX miles as a signup bonus ( after spending up to a certain amount ). The terms stated that someone who'd already had this card was ineligible to receive the sign up bonus. I could not remember if I'd had this card before, so i contacted Amex to ask them. The representative I chatted with asked me to wait while he checked all my accounts. He came back and told me that I'd not had the card, and confirmed that I was eligible for the sign up bonus. With this information, I decided to apply for the card. If I had found out I was not eligible to receive the bonus, I obviously would *not* have applied for the card. 

I applied for the card and reached the spending threshold but my miles never arrived. I reached out to Amex and eventually found out that I didn't receive the miles because I did have that card years before. I explained to them that I'd specifically asked them if I'd had the card, and if I was eligible for the bonus, and the answer given said specifically that I WAS eligible. They were not willing to understand that they should still award the miles, or that it would be unethical to punish me because THEY gave me false information. They claimed to launch a " back end '' investigation, and every time I checked in there was no information. They told me the max time would be 8 weeks. However, 9 weeks after opening the investigation, when I contacted the rep still had no information ... and depsite me saying over and over that I had a screenshot of the chat with the Amex rep, no one at amex would even let me show them. 

They should be required to deliver the miles they owe, and not be permitted to trick me into applying for their credit cards. Their customer service issues are also almost unimaginable ... but that's probably not within the scope of the CFPB.
Product: Checking or savings account

My account was closed for fraud which I reported. However, my paycheck went into the account after it was closed. I have called every single day since ( XXXX ) and asked for my paycheck and they are withholding it and saying they have the right to do so.
Product: Debt collection

To : XXXX  XXXX RE : XXXX XXXX  XXXX # XXXX I am writing this letter in response to the letter received from you dated XX/XX/2020, concerning an ExxonMobil account. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you this debt does not belong to me. This debt may be the result of unauthorized charges, therefore I am requesting you to provide me with verification that ExxonMobil conducted a proper investigation, proof of their investigation and the unredacted file they received and used to conclude their decision. I am also requesting validation of the debt as my right under. ( 15 USC 1692g Sec. 809 ( b ) ) I am asking that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you or anyone. You know the drill and I am advising you to act accordingly. 
Your non-compliance with my request could be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response.

Regards, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, Mi. XXXX - XXXX
Product: Checking or savings account

Chase Bank sent me email notice of wire transfer sent on XX/XX/XXXX. 
Unauthorized wire transfer of $ XXXX was noticed and reported on the evening of XX/XX/XXXX. 
I was asked to call another number and called that number on XX/XX/XXXX. 
Initially, I was told to fill out an affidavit and return it within XXXX days and then I would receive an answer within XXXX days. 
I was asked to close the existing account immediately so I went to my local branch on XX/XX/XXXX. 
As of XX/XX/XXXX, I had not received the affidavit and called for an update. I was instructed to go to a local branch to get a printout of the affidavit. In this affidavit, I am instructed to file a police report and return both documents back to chase. Now I am told I would get a response within XXXX days of returning the documents. I filed a local police report and faxed the affidavit on XX/XX/XXXX. 
I called for a status update on XXXX. I was on hold for 40+ minutes and get disconnected multiple times. When I was able to speak to someone, there was no update and while checking for additional information, I was disconnected again. 
When I called on XX/XX/XXXX, I was told that I would get credit in my account on XX/XX/XXXX which would be XXXX business days from my initial report. 

So far, I received conflicting instructions on filing a local police report. I received XXXX different versions of affidavits with XXXX requiring a police report and one that does not. It instead requires a notary. I received conflicting information on when I can expect this to be resolved. Chase bank has not provided temporary credit after XXXX days while this is being investigated. I have not received any update so far during this process. This process by Chase Bank appears to violate rules governing ETF error resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer and my federally protected rights have been violated by the following companies : XXXX, XXXX, and Transunion.
Product: Checking or savings account

I received two fraudulent charges to my account because of this I filed a police report. Upon filing the police report, I contacted PNC Bank for fraud reimbursement. After the investigation, PNC Bank neglected to refund my money, despite it being proven fraud by the police.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute late payment entries that continue to appear on my credit report, despite being already previously deleted by both XXXX and XXXX. These inaccuracies have already been recognized and corrected by other credit reporting agencies, yet my disputes have gone unresolved for an extended period. I have made repeated efforts to have these late payments and this account removed, but my requests have been ignored. This ongoing issue is causing unnecessary harm to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove fraudulent accounts department of education/ XXXX opened XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX transunion is only company with this error ill submit XXXX  screenshot showing nothing from dept of education
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my XXXX Loan # XXXX on XX/XX/2020. XXXX has updated the credit bureaus that the loan has been paid in full expect Equifax. I submitted a dispute to Equifax and the result came back as still owing a balance. The loan balance had been updated to XXXX and then Equifax placed a balance back on the account.
Product: Money transfer, virtual currency, or money service

I know back in in 2010 I had a Wells Fargo and thing was not adding up
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on my XXXX account # XXXX that I was never late for. The 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 XXXX XXXX account # XXXX that I have included screenshots inside this complaint on dates of XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Please see screenshots attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022, I discovered that a new credit account was opened on my credit report. This account had been fraudulently opened without my consent. I immediately contacted the creditor Sunbit and was informed that the account was opened at a car dealership in California. I was given an account number for reference.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove 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 a few Personal credit card accounts. 
ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX DATE OPENED : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached XXXX XXXX  a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to contact Experian about the issue XXXX XXXX, 2017. Experian denied my request to review the account and repair the issues. I have student loan accounts that are all showing missing payments for dates of which the accounts were in forbearance. There is also a collections account that was closed in a recent bankruptcy.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section XXXX Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by [ Credit Bureau Name ] . Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 

After reviewing my credit report dated XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Account Name : XXXX Account number : XXXX XXXX. High Balance Discrepancy : o XXXX reports a high balance of {$2000.00}. 
o XXXX reports a high balance of {$0.00}. 
o Equifax reports a high balance of {$1900.00}. 
XXXX. Last Verified Date : o XXXX : XX/XX/XXXX. 
o XXXX : Not reported. 
o Equifax : Not reported. 
XXXX. Date of Last Activity : o XXXX : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
o Equifax : XX/XX/XXXX. 
XXXX. Date Reported : o XXXX : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
o Equifax : XX/XX/XXXX. 
XXXX Credit XXXX XXXX o XXXX : {$2500.00}. 
o XXXX : {$2500.00}. 
o Equifax : {$0.00}. 
XXXX. Account Description : o XXXX : Profit and loss write-off. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
o Equifax : Charged off account. 
XXXX. Payment Status Discrepancies : o XXXX : Charged off as bad debt. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
o Equifax : Charged off account. 
XXXX. Days Late - 7 Year History : o XXXX : No late payments reported. 
o XXXX : 30 days late once, 60 days late once. 
o Equifax : 30 days late once, 60 days late once, 90 days late seven times. 
Given these discrepancies, I request an immediate investigation into these inaccuracies and prompt correction of my credit report. Enclosed are copies of my credit reports from XXXX, XXXX, and Equifax highlighting the inaccuracies. 
Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ] I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX
Product: Checking or savings account

Checking XXXX was opened by Wells Fargo without my permission
Product: Money transfer, virtual currency, or money service

I have been contacting western union about a refund for a money order that was lost from my apartment complex, they gave me a tracking number, but everytime I try and get a refund from a eligible location, they arent able to do it. I have been trying since XXXX, but today I called and the guy stated that its been past the 90 days and that they wont give me my refund even though he told me the refund is still on their end. Ive asked for a check in the mail for this refund after I couldnt cash it out at their locations and they told me because I asked to go to their location, they cant send me a check. Ive been trying for months and every answer is different. The refund is for {$30.00} and its been impossible for me to gain access to my money because of these inconveniences.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax are still showing incorrect information. It shows that my Chapter XXXX bankruptcy discharged that was original date filed/reported was XX/XX/XXXX Reference # : XXXX That was 10 years ago!! And should have been removed I was educated on by the courts would fall off after 7 years max. After the housing crash in XXXX I tried my best to stay afloat as long as I could but unfortunately couldn't keep up and had no other choices to file bankruptcy but at this point I've done nothing but positive things with my credit and bank relationships and even have an XXXX FICO score with XXXX   because they have complied and removed the BK years ago when they should have and were supposed too.

It's been discharged and satisficed by the courts 10 years ago. This needs to be updated and removed from XXXX  and Equifax as soon as possible to start reporting accuracy and not outdated false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/2023, I retrieved a copy of my credit report XXXX and discovered multiple unauthorized trade that I have no knowledge that is on my consumer report. Because I did not apply for credit with BAY COUNTRY CONSUMER FINANCE, INQUIRY DATES : XX/XX/2023. I have also reached out asking that they remove the inquiry from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following issues with XXXX, Experian, and XXXX XXXX. I am unable to access and temporarily remove the credit freeze on my accounts so that the Social Security Administration can verify my identity. I have asked that each of the three credit bureaus provide me current passwords to unfreeze my account. Second, I have been told I need to identify myself and have provided the attachments to self-identify. Third, my ultimate purpose is to have the fraudulent XXXX accounts removed from my credit reports. XXXX has forgiven the debt, written off the account, and issued 1099. I filed each with my tax returns. I have repeatedly indicated those accounts are not mine, were never mine, and that I never benefited from those accounts, I repeatedly indicated to XXXX that it was my belief my former spouse fraudulently opened the accounts in my name and if they were used, HE then used the accounts. I never used the accounts. During the course of our marriage, my former husband was XXXX XXXX and XXXX, kept hidden accounts, and was plagued by gambling creditors inside and outside the United States. Those days are behind me and I want to move forward with my daughter, buy a home, and be left alone. The XXXX accounts are nearing their 7 year expiration period and I am asking that each of the three credit bureaus remove them from my account. Please provide me an updated credit report from each agency.
Product: Checking or savings account

Hi, I traveled from the XXXX in XXXX and arrived in XXXX XXXX with my Kids on XXXX, we had tourist visas that is valid for XXXX year and XXXX months of stay per arrival. I was dealing with a legit agency that was located in XXXX and they were able to extend the tourist visas for me and my kids. I have all the receipts of extension and they're attached in this complain. Before I Traveled out of XXXX in XXXX the boarder in XXXX in XXXX airport did not let me and my kids go. They forced us to pay an amount of ( {$9600.00} ) for staying long term in XXXX while we had all proper receipts documents, valid visas, and extended visas we showed to them. But they still have charged my BECU debit card that amount of money. They have asked me to sign on their receipt for authorization, but I refused to sign. I attached a copy of their receipt. I have disputed the charge, but my bank institute was not able to solve the issue, so they reversed the charge in XXXX. Please let me know if you need any other documents.
Product: Debt collection

Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Commonwealth Financial Systems , Inc. Commonwealth Financial Systems , Inc has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Commonwealth Financial Systems , Inc . They received it certified mail and signed off at XXXX XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
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 15 USC 1681. Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : DEPT OF EDXXXX, Account name : XXXX XXXX XXXX, and Account name : XXXX 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, 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 and crimes which antedates the report by 7 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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GAXXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$52.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX.