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

I XXXX XXXX opened an account with capital one 360 checking account, I made some deposits from my XXXX XXXX accounts to pay my rent, capital one froze my account with no prior notification and now I can't make any withdrawals from my account, my rent is still due and I'm near eviction. I am requesting capital one to close my accounts and send me a check of my available balance to the address on file,
Product: Student loan

I called Mohela on XX/XX/XXXX ( Representative XXXX XXXX # XXXX ). I asked about my latest Employment Verification Form that was completed utilizing the StudentAid.gov tool and filed electronically. I was told several times that utilizing the electronic form was not an option that it must be signed. This is not the case according to StudentAid.gov where I was specifically told to NOT send Mohela the form since StudentAid.gov will forward it to the server ( Mohela ). The form was sent on XX/XX/XXXX to Mohela and received on XX/XX/XXXX and has not been processed. This should have been a streamlined process. I have heard from several other borrowers that many of the forms are being denied because of LACK OF TRAINING at Mohela. 
I have contacted Mohela again. No response.
Product: Checking or savings account

I accessed my Fifth Third bank account on XX/XX/2019 at XXXX and noticed my Checking account had been closed as of XX/XX/2019. I did not initiate, authorize, or even receive any notification of my checking account being closed.
Product: Credit reporting or other personal consumer reports

I am grateful for your assistance in removing some of the erroneous credit report entries from my file. There are still a few remaining items that require your attention. This is my 7th complaint that I was the victim of faulty credit reporting. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are inaccurate : 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 XXXXEquifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX .Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit reporting. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Checking or savings account

The following banks have charged me fees for letting my account go in the negative then each transaction was charged an additional fee for each day until it was positive again. 
I no longer have these banks. I really tried to keep them in the positive but it was virtually in possible. 

XXXX XXXX XXXX XXXX XXXX XXXX Suntrust I gave up after they let me open new accounts & kept taking the fees. I do not think I am stupid they prey on people with limited income. 




I am a XXXX XXXX, & I have been hearing this from alot of people, XXXX, retired. 
This is second hand stealing from the US Treasury isn't it? 
Fees each month easily can be between $ 200- {$500.00} & that is conservative amount. 
This activity could balance our budget based on how many people are recieving benefits from treasury that can not maintain their checking accounts? XXXX, Seniors, who are XXXX  not fully capable of managing their account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED EACH COMPANY WITH A WRITTEN LETTER TO REMOVE THESE INQUIRIES FROM MY CREDIT FILE THAT I HAVE NOT GIVE CONSENT TO PULL MY CREDIT REPORT XXXX XXXX XXXX XXXX COAF XX/XX/XXXX CREDIT PLUS XX/XX/XXXX XXXX XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX MERCHANTS XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXL XXXX XX/XX/XXXX XXXXXXXX XXXX NA XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I opened a new phone plan and received a new cell phone number ( XXXX ). Immediately after obtaining the new number, I updated it across all my bank records. However, despite my efforts to contact LexisNexis to have my new cell phone number updated in their records, they have failed to do so. As a result, I have been experiencing significant difficulties opening new accounts and verifying my identity. The primary issue is that the new number is not being properly tied to my name, and this has been ongoing since XX/XX/XXXX. 
I request you to update my cell phone number and get it tied to my name.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to demand the immediate removal of unauthorized hard and soft inquiries from my credit report. In accordance with the Fair Credit Reporting Act ( **FCRA** ), specifically **15 U.S.C. 1681**, and under the authority of the **Consumer Financial Protection Bureau ( CFPB ) **, I have the right to accurate reporting of my credit history. After reviewing my credit report, I have identified multiple inquiries that were made without my authorization or permissible purpose. These inquiries are as follows : Please note that I **authorized inquiries** from **XXXX Auto**, **XXXX XXXX**, and **XXXX XXXX**. All other inquiries on my credit report are unauthorized and must be removed immediately. 

Legal Basis for Removal : 1. **15 U.S.C. 1681b ( f ) ** : Credit reports may only be accessed by parties with a permissible purpose. If an inquiry was made without my explicit consent or a transaction initiated by me, the inquiry is unlawful and should be removed. 

2. **15 U.S.C. 1681c ( a ) ( 2 ) ** : Credit bureaus must ensure the accuracy and completeness of consumer reports. Any unauthorized or erroneous inquiries must be removed to maintain the integrity of the report. 

3. **15 U.S.C. 1681i ( a ) ( 1 ) ** : I have the legal right to dispute any inaccurate or incomplete information on my credit report. Upon receipt of this dispute, the credit bureau is required to investigate the matter within 30 days and correct or remove any inaccuracies. 

4. **15 U.S.C. 1681s-2** : Furnishers of information, such as creditors or companies making the inquiries, are legally required to provide accurate information. Any inquiry made without my explicit consent violates this statute and must be corrected or removed. 

Action Requested : - **Immediate removal** of all unauthorized inquiries from my credit report. 
- Written confirmation that these inquiries have been deleted. 
- Assurance that no further inquiries will be added to my credit report without my explicit consent. 

Failure to remove these inquiries in a timely manner could result in the need for further action, including filing a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) ** and pursuing legal remedies for willful non-compliance under the **Fair Credit Reporting Act**. 

Please consider this a formal dispute of the unauthorized inquiries. I expect a response and resolution to this matter within the legally mandated 30-day period, as required by **15 U.S.C. 1681i**. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters to all 3 credit bureaus and to the creditor them selfies to dispute these items on my credit file. They have not responded a letter was sent to all parties involved on XX/XX/19 and no action has been taken nor was it removed or corrected all document proving my case was submitted as well. There are 2 accounts listed on my credit file with the exact account number being reported as a duplicate with incorrect information the account should be reported all 3 CB under XXXX/XXXX XXXX the amount/High credit limit and past due amount are incorrect. XXXX  XXXX Bank has my information on CF reported incorrectly with duplicate accounts 2 separate account numbers which is making my CREDIT UTILIZATION higher than it should, all information is listed incorrectly on report. XXXX XXXX is reporting incorrect information on my credit report to all 3 CB the account status is listed incorrectly and the MONTHLY PAYMENT IS LISTED AS $ XXXXMONTH which is INCORRECT. Another DUPLICATE account listed on CREDIT FILE XXXX XXXX and XXXX WITH THE EXACT SAME ACCOUNT NUMBER ALL INFORMATION REPORTED IS INCORRECT, this account had been paid and and there is not a past due amount as XXXX  is reporting. XXXX XXXX XXXX is reporting INACCURATE INFORMATION ON CF. XXXX XXXX XXXX REPORTING INACCURATE INFORMATION UNDER EXPERIAN this account is closed not open. XXXX located on credit file doesnt belong to me I have never had an account with this XXXX  or XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and had a lot of unauthorized items on my credit report that and they have been very detrimental to my XXXXXXXX XXXX
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. 

XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX  XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 : 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

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus is reporting inaccurate information on I C SYSTEM. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit card

I ordered some phones wholesale from XXXX. I had a lot of trouble with the merchant, contacting them and finding a resolution. The phones were inspected and found to have non-oem parts. I requested a refund with the merchant and the merchant denied it. I opened a dispute 4 times with American Express because each time it was sided with the shady merchant. I provided documents showing phones being sent back and documents showing the professional evaluation of the phones. I got scammed out of $ XXXX. Now I can not do anything because the merchant has told American Express that they never received the phones but instead received " books ''. I got scammed and American Express did absolutely nothing to protect me. My consumer rights were ignored and American Express continued to side with the lying merchant from XXXX. I am complete upset and American Express could care less. All they want is money and to cash in on my losses. I have been scammed and defrauded.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding a merged identity file issue that has resulted in significant inaccuracies on my credit report maintained by your agency, which directly contravene the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. 
Upon reviewing my credit report and signing into my Equifax account portal online, it has come to my attention that my personal information has been erroneously combined or merged with another individuals information, thus violating 12 CFR 1022.3s definition of identity theft. This merging of files has led to incorrect and misleading data, affecting my creditworthiness and potentially violating my rights under the FCRA. 
The inaccuracies present include, but are not limited to : My personal information has been altered significantly, and the details reported under Personal Identification Information on my credit report inaccurately reflect my identity and creditworthiness
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I received a text from Moneygram indicating that I had been sent money ( from a friend, I was expecting this notification ). XX/XX/XXXX and XX/XX/XXXX I  went to three different locations listed on the website in the XXXX   virginia area -- none of which were working ( all CVS ). Because my mother is ill I came to Ohio. XX/XX/XXXX I went to the Moneygram website and found the listed locations in Ohio. I first tried XXXX -- they said they were planning to be a money gram site but had not yet gotten activated. XX/XX/XXXX I then went to local CVS. Their money gram was up and running., Despite the fact that I had the senders name, my name, the amount, and the 8 digit confirmation number, my request was denied because ( 1 ) I didn't know the middle name of the sender and ( 2 ) "  the money was sent to Virginia , not Ohio '' The person that I talked to could not help me further. The instructions in the text I received were to bring my driver 's license and the confirmation number. I've asked the sender to cancel the transfer but I don't know if he will be able to do that. 
Moneygram should not post on the website locations that are not actually operational. Further Moneygram should not advertise itself as a national/international transfer organization since it can't handle interstate transfers appropriately
Product: Debt collection

I found multiple incorrect accounts on my most recent credit report that I believe were added without my consent. I am requesting these fraudulent accounts be blocked and removed promptly.
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 Names XXXX XXXX Account # TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account # TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # TransUnion XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX  Account # TransUnion XXXX XXXX XXXX XXXX XXXX Will not show account number XXXX XXXXXXXX Account # TransUnion XXXX XXXX XXXXXXXX  Account # TransUnion XXXX XXXX XXXX XXXX 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 : 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. These inaccuracies are preventing me from buying a new car for my work. I am not able to get a new home for my family. I can not get business credit to grow my business so I can provide for my family.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Former : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) by re-aging XXXX XXXX collection account on my credit report. Despite my previous disputes, Experian has failed to properly investigate the issue and has instead altered the collection date in an apparent attempt to extend the negative impact of this account on my credit profile. 

I have disputed this account with Experian multiple times due to, first, an incorrect balance on the account and now an incorrect collection date. Despite these disputes, Experian has yet to report the account accurately, continuing to allow misinformation to persist on my credit file. 

The original date of first delinquency and the date this account was sent to collections was XXXX [ XXXX ], yet Experian has now updated the collection date to XXXX [ XXXX ], which is factually incorrect. This violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits furnishers from reporting inaccurate information. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), any unverifiable or incorrect information must be deleted.

Experians failure to conduct a proper reinvestigation also violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that credit bureaus perform a reasonable investigation when a consumer disputes inaccurate information. Instead of verifying the accuracy of the account, Experian altered the collection date, further misrepresenting the accounts history and worsening its impact on my credit report. 

I have provided Experian with supporting documentation, including : The original XXXX bill showing the inaccurate balance they previously reported. 

A receipt confirming the return of all equipment, disputing XXXX claim of non-returned equipment. 

Documentation of my previous disputes with Experian and XXXX, demonstrating their failure to verify the debt in compliance with FCRA regulations. 

I appreciate your prompt attention to this matter and look forward to your response.
Product: Vehicle loan or lease

There is an account for XXXX XXXX XXXX on my account. On XX/XX/XXXX I contacted them at XXXX to request they send me all documentation in regards to the loan so I could take them to court to try and get this item removed from my credit report. They told me unless I had a police report number they were under no obligation to send me the documents and they would need a list a specific documents to send ... that m, e requesting the entire file without an attorney was to general and they were under no obligation to do so. I asked was the line being recorded and the gentleman and he them accused me of recording the conversation and I said NO you record this conversation. EVERY CONVERSATION IVE EVER HAD WITH THEM HAS BEEN RECORDED, and time and time again I have told them I was NOT the individual who took out the loan. because THEY insisted I get a police report in order to obtain the original loan agreement ... I did. It is XXXX and was filed in XXXX XXXX, MI XXXX  County. I then called XXXX and they informed me they are already removing it from my report and I am praying that the other 3 agencies follow suit. 

XXXX XXXX XXXX : You have been out of communication for an extended period. We have tried to call you on numerous occasions. Please contact XXXX XXXX XXXX today before XXXX XXXX Central Time. Assistance may be available to remedy you situation. Contact me directly at XXXX XXXX ext XXXX Thank You , XXXX XXXX | Deficiency Representative | XXXX XXXX XXXX XXXX ( Phone : XXXX XXXX ext XXXX| XXXX Fax : XXXX *Email : XXXX cid : XXXX The information in this email is confidential and may be legally privileged. It is intended solely for the addressee. Access to this email by anyone else is unauthorized. If you are not the intended recipient, any disclosure, copying, distribution or any action taken or omitted to be taken in reliance on it, is prohibited and may be unlawful. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system. 

XXXX XXXX <XXXX> Wed, XX/XX/XXXX, XXXX XXXX to XXXX I've told you and your representatives several times I am not the individual who purchased this car. My information was stolen by XXXX XXXX XXXX XXXX XXXX with the help of his friend XXXX who has worked at several dealerships in XXXX XXXX, MI. Never once did I step into that dealership amd pirchase a vehicle from them. The photos of my license are clearly that and not copies and the signature and the contract is not mine either. When the car was recovered it was in his possession as it had always been. I will not agree to pay anything due on this vehicle because I am not the individual who signed the purchase agreement on the car. 

Sincerely, XXXX XXXX This was my last communication with them in XX/XX/XXXX. I was told on that same recorded line they were going to take me to court and I asked them to so we could resolve the matter back when it began.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Agency Act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent