23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous items reporting on my Credit Report : XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$820.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$900.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1300.00} Chapter XXXX Bankruptcy XXXX XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am wanting to file a complaint with your agency against Experian Credit reporting agency, I have filed letters and called numerous times in recent months to report several unauthorized inquiries being reports on my credit report, but they have not helped one time to assist with this sensitive matter. The following unauthorized inquiries were brought to their attention : EXPERIAN XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX, XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX EXPERIAN EXPERIAN XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX  XXXX XXXX   XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX   XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX   XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX  XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX  XXXX XX/XX/XXXX EXPERIAN
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX block 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 XXXX XXXX XXXX XXXX XXXX XXXX with balance of {$410000.00} XXXX XXXX XXXX XXXX XXXX XXXX  opened XXXX with a balance of {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT XXXX XXXX XXXX XXXX WITH A BALANCE OF {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WITH A BALANCE OF {$0.00} The hard inquires that are on my credit that should also be removed and block are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my reports there is a closed account with huge amount of missed payments. JPMCB CARD SERVICES XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB CARD SERVICES has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Checking or savings account

In XXXX of XXXX  Citi closed my checking account without warning. They sent me an email saying I would receive information on the reason for the closure and the funds in my account in 30 - 60 days. This amount of time was unreasonable to me as I had funds, approximately {$1500.00} which I could no longer access. I submitted a previous complaint to expedite a response from Citi, ref number XXXX. 

After receiving the letter I called and spoke with a representative who informed me that my funds would be released in that XXXX window and there is nothing to be done. 

In early XXXX I received a check from Citi of {$24.00} with no explanation as to what this check was in regards to. I called Citi again to understand the purpose of this check and was informed they would not be releasing the {$1500.00} that is in my account because the name did not match as the account. This money was direct deposited from my wife 's account. I asked what options we had to get the money back. They said we have to visit a Citi branch. The nearest Citi branch is over XXXX miles away from where we live. They then said that the only other option was for my Wife 's payroll to request the deposit be sent back to them to be deposited in a different account. Unfortunately, due to Citi 's slow response and lack of information it has been too long for the payroll department to recall the deposit. 

I understand that she was not a joint user on the account which likely caused the account to be shut down in the first place. However the options provided to receive our money is not acceptable.
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. Current no account number but a zero balance 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 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 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 or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've reached out to XXXX, XXXX and Equifax numerous of times informing them that I was a victim of identity theft and my information was stolen and used to open fraudulent accounts. I've also reported this to identitytheft.gov. They failed to address these issues and continued to report incorrect information. I've recently sent letters again for the XXXX time to correct this issue.
Product: Credit reporting or other personal consumer reports

Hello, how are you doing? 
I recently got a copy of my consumer report and found out the my name was being use by someone else. 
Not only was it use by someone else the names are spell incorrectly. 
These misspelled versions of my name were used to open up some form of credit. 
I have no knowledge of these account with misspelling as I only use my name with the correct spelling ( XXXX XXXX ). 
My name is Spelled XXXX XXXX and there should be no other spelling on my credit report. 
I have never authorized any use of my name for any of these account and they need to be removed from my credit report. 
I will be attaching my drivers license and a copy of my consumer report with the names that are miss-spelled and accounts that don't belong to me. 
Thank You
Product: Debt collection

Re : You are in violation under 15 U.S. Code 1681i ( XXXX ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 
To Experian Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that Under 15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

XXXX. XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report incorrect information to my credit report despite me disputing multiple inaccurate information for years. I was never late with XXXX XXXX XXXX I was never late with XXXXI was under a approved forbearance agreement back in 2016 for XXXX XXXX XXXX  and forbearance for XXXX .Also I paid my mortgage on time during the months prior and after my forbearance agreement for XXXX XXXX XXXXAlso XXXX shows me never late for XXXX  XXXX Credit Card which is true but has failed to remove the charge off comment .In addition they show my credit age of my credit report to only be 4 years old which is false my oldest open student loan for XXXX  is 18 years old so my credit age should not just show to only be 4 years old.This is important for my credit score.Their failure to correct my credit report has prevented me from getting hired for work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting act XXXX account number has violated my rights 15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Payroll direct deposit not made available by Capital One. Unable to access funds that are supposed to be in the account. Unacceptable.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment was made on time, but due to a clerical error on the part of the creditor, it was recorded late. I have attached bank statements that confirm the payment was withdrawn from my account before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Hello, my Citizens banker reached out on XX/XX/year> about a special promotion on their saving account. If I were to deposit {$10000.00} on their saving account that day and kept it on there until XX/XX/year> I would receive a {$500.00} bonus. I asked him if I did that immediately but the amount would post the day after, would it be ok, he assured me it was the case. I did the deposit on XX/XX/year> ( see attached ) When I inquired XXXX about the bonus they said they received the funds on XXXX and therefore the bonus wasn't applicable. This is false advertising. The banker knew it would likely take a day to show in the account but said nothing. I kept the money on that account way past the date and therefore lost at least {$400.00} of interest I could have gained on a better remunerated account. It is misinformation at its finest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted this company a request to remove inaccurate and unverifiable accounts from my credit report. Once again, a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This company is in violation of this law. 

The following accounts remain unverified, even after multiple attempts to receive validation from them. I request that these accounts be immediately removed from my credit report with all credit bureaus that they report to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to This is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This does not suffice after viewing my credit report it is till in accurate, they are showing my creditCredit cards or credit lines Total balance : {$4000.00} a XXXX credit line of XXXX and a XXXX of XXXX this is in accurate information the XXXX  reports as a charge off which under the 15 U.S.C. 1681 - U.S. Code must report correct information I want the XXXX removed as a line of credit do the incorrect amount which was a XXXX dollars and the account has been sold and use as a tax write off
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I had opened a complaint about inaccurate information on my credit report and demanded XXXX and XXXX fraudulent Divisions to resolve information from Synchrony Bank XXXX XXXX XXXX to be removed. The complaints are currently closed but the information is still not resolved.
Product: Checking or savings account

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