23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX 2017 I refinanced my home thru New Penn Financial, my contact XXXX XXXX told me that because my income verification did NOT match what I had submitted that I would be required to pay off my two credit cards. The first was with XXXX XXXX XXXX for about {$2400.00}. The second was an XXXX credit card with XXXX in the amount of {$560.00}. New Penn said that I would have to borrow more money to pay these off and that they would provide me with 2 checks to do so. The first check for XXXX was for the exact amount and went thru no problem, the second check was made out to XXXX for over the amount and when I went to pay the clerk informed me that they were not able to complete the transaction because the check was for more than was owed and my name was not on the check. I emailed XXXX XXXX at XXXXXXXXXXXX and text her at XXXX. I gave her the exact amount due and she told me that she would get back to me. I never heard back and have begun to receive bills from XXXX for the credit card. With late fees and interest charges the total due is now {$780.00}. I have tried to call XXXX XXXX and her immediate supervisor and left voice messages with both of them and emailed XXXX at her email address and have received no replies. As this affects my credit score it needs to be resolved ASAP. Thank you
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting the agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a victim of a Data Breach/ Identity Theft. I also contacted the Federal Trade Commission and filed an FTC Report which is attached. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXX  XXXX My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. XXXX! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX - XXXX My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. XXXX! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX XXXXXXXX My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. XXXX! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!
Product: Credit reporting

I have disputed this information XXXX times. 
1.Hospital Bill ( not mine ) 2.XXXX ( I sent them the letter I received from the creditor to remove the information ) 3.XXXX ( I sent them the letter I received from the creditor to remove the information ) I receive a notification saying they have verified the information after a couple of days and refuse to delete this off my report.
Product: Money transfer, virtual currency, or money service

We are a financial institution trying to reach HSBC in regards to a returned wire sent to HSBC on XX/XX/2021. This wire never reached the customer 's XXXX account and we have been trying to assist the customer in locating her {$47000.00} wire. We have exhausted all ways of trying to communicate with HSBC with no success. There have been countless emails, portal messages, and phone calls attempting to contact a person that would be able to assist us in locating the wire whereabouts. When we are able to speak with a representative at HSBC they informed us that it is nearly impossible to be transferred to the their wire department. When asked to speak with the HSBC supervisor they hung up on us. 

We have countless documentation on us trying to contact HSBC and have been speaking with our regulator the Federal Reserve on this very important matter. This has become detrimental to our customer. There has to be a way to communicate with HSBC by speaking with a live representative to discuss the status of the wire. 

In addition we plan on filing a complaint with the OCC as well. In order to rectify this time sensitive matter. 

Thank you for your time and consideration, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 public records from XXXX XXXX XXXX reporting to all 3 credit reports as paid. Under the new law as of XX/XX/XXXX paid judgements, tax liens and public records are to be removed. Docket # XXXX was paid in XX/XX/XXXX. Docket # XXXX was paid in XX/XX/XXXX. I disputed with XXXX and Trans Union to update these items has paid. Please remove these public records from all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question.. XXXX XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX
Product: Credit card

Despite my credit card provider 's numerous efforts to remove an erroneous late payment report, XXXX has yet to address the issue in two years. I 'm in possession of XXXX evidential correspondences requesting the correction to my account. XXXX XXXX promptly corrected their records on the initial request, yet XXXX subsequent resubmissions to XXXX has yet yielded any changes. Hopefully, this is n't common practice. I have definitely lost all confidence in XXXX measured against XXXX!
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, Equifax ) and I noticed some late payments posted on my consumer report. This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment Immediately. 
Account XXXX XXXX XXXX XXXX XXXX Account number XXXX ) Months Showing Late Payments XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing accounts, incorrect personal information, and inquiries for over XXXX years with Experian. Experian has responded " verified '' to these erroneous accounts that have accumulated on my CONSUMER report over the time. Also, during these times I've had a fraud alert on my account and still Experian has " VERIFIED '' that the said debt is mine. 

Experian has failed me as a CONSUMER by not only verifying erroneous accounts, they also VERIFIED THE INACCURACIES AS WELL. 

EXPERIAN HAS BEEN REPORTING THESE ACCOUNTS OUT OF COMPLIANCE WITH THERE OWN REGULATIONS! 

PLEASE SEE ATTACHED DOCUMENT! 

( I HAVE MY THUMB PRINT WITH THE LETTER ALONG WITH SUPPORTING DOCUMENTS AS PROOF OF ME BEING A REAL PERSON, NOT A COMPUTER, OR AGENCY ) NO EXCUSES!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to request from you to remove the fraudulent items I found on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ASIS FI XX/XX/XXXX. Under the FCRA Section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.
Product: Checking or savings account

Summary - Chime opened a bank account for someone using my email address without verifying they owned the email address - Chime would not confirm whether this was a case of identity theft ( using my SSN ) or someone using the wrong email address/mistyping their email address - Chimes new login security emails do not contain information about the login ( device and location are left blank, IP address is not supplied ) References : Chime support ticket XXXX Routing number : XXXX Account number : XXXX On XX/XX/2024 person ( s ) unknown opened an account at Chime ( Chime Financial , Inc. ) This account was opened using my email address, XXXX and a telephone number ending in XXXX. 

Chime failed to confirm ownership of the email address and allowed the account to be created. 

As a result, I received multiple email messages from Chime : Welcome to Chime Your direct deposit info Youre one step away from Credit Builder! 

I immediately notified Chime by email that I had not opened the account. I asked them to determine if : Someone had opened an account and accidentally supplied my email address, or Someone was attempting to impersonate me or commit identity theft [ I attempted to reach Chime by chat support. Doing so closed my email support request. This is a bad practice. ] Chime then closed this bank account and confirmed the closure via email. They sent me a generic anti-fraud message suggesting that I place a fraud alert on my credit, review my credit report, visit IdentityTheft.gov and make a police report.

I sent the following message to Chime : 1 My credit is already frozen. That doesn't prevent the opening of bank accounts.

2 Without knowing which SSN was used, I can't tell if this was fraud or just someone typing the wrong email address. How can we confirm that?

3 Will you fix your signup process to confirm email addresses before allowing account creation.

Chime requested I send them my SSN and IdentityTheft.gov report.

I reiterated to them that we didnt yet know if identity theft had occurred.

Chime again requested I send them my SSN and IdentityTheft.gov report. ( Same message as before. ) I indicated to Chime that I was uncomfortable sending them PII, as I was not their customer, they failed to disclose what security and data retention practices would cover the submitted information, and that they had been irresponsible in allowing the account to be created in the first.

Chime requested for a third time I send them my SSN and IdentityTheft.gov report. The message contained confusing and irrelevant language : Thank you for reaching out to the Chime Member Protection Team. We are sorry to hear about the difficulty you're experiencing with your Chime account. 

I dont have an account ; I was not having trouble with my account ; the account had been closed. 


As of XX/XX/2024, Chime has not responded and never confirmed or denied whether the account was opened using my SSN. They also have not indicated they now require proof of ownership of an email address when opening a bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 Account XXXX XXXX XXXX XXXX Account Aldous And Associates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently realized that my money lion credit builder loan is reporting at be closed and charged off thru all 3 of the credit bureaus. Even after bring the account to a current status the incorrect information had repeatedly been entered on all 3 of my credit reports. The purpose of money lion is to help individuals with troubled credit improve their financial life. Currently my account status, balance and the amount of the loan is showing incorrectly : I have spoke with and emailed their customer service to include screenshots and the response is that the account is accurate. After filing a dispute for the same thru all 3 credit bureaus ; this account is being illegally validated as being account to each of them even with the submission of the screenshots from this companies website showing the payment history and current status of the loan. My next payment was due yesterday and I did not make it because an account can not has both an open and charge off status.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation of the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EQUIFAX regarding the inaccurate information reported in my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX XX/XX/year> of Credit Report, I discovered discrepancies in the following account ( s ) : Account Name : XXXX  Account Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, last verified, closed date, and last payment. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, date of last activity, balance Owed, and creditor type. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, includi

ng : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 2. Section 611 : Right to dispute inaccuracies and request investigation. 3. Section 623 ( a ) ( 5 ) : Removal of unv
erifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted on my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Bank account or service

Huntington bank has been offering money to open a checking account. I opened an account online with them and linked my Credit Union account after they verified XXXX deposits and XXXX withdraw. I then sent {$1200.00} to my new Huntington account to meet their requirements. After they withdrew the money from my Credit Union, they did not deposit it into my new account, now the money is missing ... it is in neither account. They tell me three days before anything happens. This is a ruse ... where is my money? How many others are they doing this too and using patrons money in a slush fund. This is XX/XX/2017 and transfers are immediate, where is my money? I have been at my credit union for over 30 years and my credit score is over XXXX. Why is Huntington bank doing this to me?
Product: Bank account or service

Unknown withdrawal from my account for {$220.00} send through XXXX. What do I do? I believe someone has access to my account. Will I be able to review a refund?
Product: Credit card or prepaid card

On XXXX after reporting to unemployment a change of address, I called US Bank relia card to request a replacement card and change of address. I was told, I needed to provide proof of identity, and was given the following address to send my proof. Verifiedusb.com/id, where I was to upload a selife. I did. On XXXX, I followed up and was advised to send my ID, proof of address, along with a letter from my landlord. I fax all the requested documents this # XXXX. I received a confirmation #. After this I began to call relia card, first weekly, then daily. Each time I call, I am either told the card is in the fraud department and must be cleared, or there's no information they can give, or they will make sure the card gets out. To date USrelia bank, has a total of {$1400.00} of my unemployment and my rent is 2 months backed up. The staff at relia with names to include XXXX ( supervisor ), XXXX XXXX, and others are amongst the names I spoke with. At this point with the current covid I am overwhelmed, having XXXX and lack of sleep. I was told I am a fraud, hangup on. I have other information if requested.. Thank you in advance for your assistance
Product: Credit reporting 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 items ( A ). It is not permissible to fail to validate these reporting items 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 Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Fraudulent Inquiry of XXXXXX/XX/XXXX on XX/XX/2020 via Trans Union LLC.. 

During the last few months I have noticed things on my credit file that DO NOT BELONG TO ME I have been experiencing a significant amount of Fraud and Theft of my identity., The latest discovery is that of XX/XX/XXXX on XX/XX/2020 This Inquiry does not belong to me, neither did I give permission verbally, electronically or over the phone.. In Accordance with section 604 of the FCRA. under Permissible Purpose of Consumer Reports none of them apply to me in reference to the above herein depicted Inquiry., My Attorney of record has advised me to send an Affidavit of Fraudulent Inquiry first before instituting legal action for FCRA Violations.,
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive also contacted the companies and they have answered and said they removed the inquiry but transunion is still showing the inquiry on my file IVE SENT THEM MANY MANY TIMES MY POLICE REPORT MY IDENTITY THEFT AFFIDAVIT MY DISPUTE LETTER ALL MY IDENTITY THEFT DOCUMENTS AND STILL NOTHING
Product: Credit reporting, credit repair services, or other personal consumer reports

My situation begin when I tried to refinance my car and was told that the company could not view my Equifax credit score. 

After trying to view my credit report on my.equifax.com, an error message came on my computer screen. I called Equifax to see what I needed to do to access my report. They told me to fax or mail a cover letter, a copy of my driver 's license and my social security card. I faxed the information on XXXX XXXX, 2022. I called in approximately a week later to see if the had received the information because I needed to make changes to my report in order to access it online. The representative then asked me for some additional personal information which he accepted and made the updates need in order for me to logon to my account at my.equifax.com. When I finally gained access, I received the following error : Please give us a call and give this code to the Agent : BLNK Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). 
Our call center hours are : XXXX XXXX XXXX XXXX XXXX ( ET ), Monday through Friday, and XXXX XXXX to XXXX XXXX ( ET ) Saturday and Sunday. 

I then called the number and was told that I had to submit the same information that I had already faxed because they did not receive it. I could not understand how they could make the changes to my address and phone number that I had requested in order to gain access to the online account without the supporting documents. I mailed the information to them on XXXX XXXX, 2022. I call to check each day to see if they received the fax or mail, but it has yet to be processed. I also have faxed it again today, XXXX XXXX, 2022. 

I received a hard copy of the report along with my credit score in the mail. I am in the process of trying to purchase a house, and I was told that this issue would not have any bearing on a company who is trying to view my score. I have found that this is not correct. No one can view my Equifax credit report.