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

I have been on XXXX XXXX SINCE THE EARLY XXXX XXXX ALWAYS GOT PAID IN A TIMELY MANNER. I OPENED AN ACCOUNT WITH WELLS FARGO BANK SINCE XXXX WITH NO PROBLEMS. FOR ABOUT A YEAR OR YEAR AND A HALF IVE BEEN ENROLLED IN EARLY PAYDAY OFFERED BY THE BANK BEING PAID NO LATER THAN THE XXXX OF EACH MONTH. IM STILL WAITING ON MY US TREASURY DEPOSIT FOR MY XXXX XXXXXXXX. TODAY IS XXXX XX/XX/XXXX AND STILL WAITING FOR MY DEPOSIT. PLEASE HELP. My phone number is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After recently reviewing my latest consumer report from TransUnion, I noticed a total of 7 accounts that are still reported inaccurately even after they had been disputed numerous times. 

These existing accounts are out of compliance with the Fair Credit Reporting Act because they should be 100 percent accurate.

TransUnion is liable for each inaccurate account because during each dispute for the listed accounts, the agency was responsible for ensuring each account reported completely accurate per 15 USC 1681e ( b ) of the FCRA and that the furnisher of each account provided them the correct information so that the account could report accurately per 15 USC 1681s-2 ( 2 ). 

There are currently blatant inaccuracies which I have already disputed to no avail even after providing supportive documentation for each account. 

There is a possibility that I am dealing with a one-sided dispute process because TransUnion has only received unreliable information from the creditors. 
Over the course of XX/XX/2024 up until now I have disputed the accounts to no avail, The very same inaccuracies persist in the accounts. Nothing has been resolved, the accounts are unverifiable, incomplete and reported inaccurately.
Product: Credit reporting

The following credit items are reporting to my credit file and have been disputed several times and have been proven to not belong to me or reported incorrectly. the accounts in question are as follows : XXXX Account Number XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to request that Experian, the credit reporting agency, block information on my credit report that is the result of identity theft and fraud. This fraudulent, inaccurate, and false information includes : A personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX, with account number XXXX An account opened at XXXX XXXX XXXX on XX/XX/XXXX, with account number XXXX Collection accounts opened at XXXX XXXX on XX/XX/XXXX, with account numbers XXXX ( balance {$680.00} ) and XXXX ( balance {$510.00} ) These fraudulent accounts have led to several hard inquiries and collections that are also fraudulent. I have attached a list of these hard inquiries and a copy of my consumer FICO credit report from Experian that shows these fraudulent items. 

I do not recognize these accounts, collections, or hard inquiries. I did not open, make, or initiate these accounts, collections, or hard inquiries. They are all the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint from the U.S. Federal Trade Commission as proof that these accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that Experian block this fraudulent information within 4 business days of receiving this complaint
Product: Credit reporting or other personal consumer reports

The credit bureaus XXXX, XXXX, and Experian are reporting bankruptcies on my credit report, attributing the information to the XXXXXXXX XXXX XXXXXXXX. I have attached a letter from the XXXXXXXX XXXX XXXXXXXX verifying that they do not furnish information to credit bureaus or any credit monitoring service, nor do they verify or validate any information concerning bankruptcies. XXXX, Experian and XXXX is falsely reporting this information on my credit report and has not yet removed it. The XXXX XXXX XXXX XXXXXXXX does not have authority over credit reporting agencies and does not report to any of them. Bankruptcy petitions and case dockets are considered public records. The Fair Credit Reporting Act, specifically Section 605, governs credit reporting agencies. According to this law, credit reporting agencies are prohibited from reporting bankruptcy cases on an individual 's credit report. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

Netspend XXXX XXXX account is refusing to allow me to use my debit card however this company is still deducting money from my account to pay for my monthly charge even though I'm not allowed to use my own money
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I started receiving calls daily, sometimes several times a day, from Quicken loans about a refinance. Today, I received an e-mail that is quite deceptive, requesting my income documents : 2015 XXXX and a recent paystub within 30 days. The email message was titles " Quicken Loans Message : Loan File - Legal Questions and Docs Needed '' It sounds like if I do n't do this I am going to be in trouble or have some negative consequence on my existing account. It also at the end says " Once I get these, I will be able to send everything out to your MyQL account, where we can go over everything and e-sign documents. '' Never once in this email does it indicate that this is to apply for a refinance or change any of the parameters of my existing mortgage. For unsavvy consumers, this is a deceptive process made to appear that this information is necessary to update existing mortgages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  - {$1300.00} Open balance Unauthorized/Erroneous Account RESULT OF the XXXX Data XXXX Direct Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 

please provide original documents! this is not mine I have no record of ever having this account.
Product: Mortgage

from XX/XX/XXXX to XX/XX/XXXX, I i paid the mortgage company a extra {$50.00} to {$75.00} a month thru the whole 12 months into my escrow account, and then paid a additional {$300.00} in XXXX of XXXX into my escrow account, I did this just in case my property taxes were to rise unexpectedly. When my property taxes came due, the check I got from the bank was roughly {$250.00} short of what the tax bill was, I called the bank and asked them why they did not release all of the money in my escrow account, and they said that was all the money I had in my escrow account. I know I have roughly about a {$1000.00} in overages in my escrow account, I called the bank, the lady i talked to did confirm i had a overage in my escrow account in the amount of {$1000.00} and would have the accounting department issue a check for me in that amount. 3 weeks later, i recieved a check in the mail from us bank in the amount of {$340.00}. This amount is signifigantly smaller than what they had told me was in my account. i also was checking out the balance of my escrow account throught the year, and thought it was strange that after the end of XXXX, my escrow account was not growing, even tho i was still adding money to my escrow account. I called us bank and they said, oh yes, it is still growing, even though the statement did not reflect otherwise. i called us bank and asked them why the did not release the rest of the money, and they said that was all the overage they had. Every time i called them, it was a different story. 
All i want is just what is owed to me, nothing more.
Product: Debt collection

According to my recent consumer report the collection account XXXX was wrongly placed on my consumer report on XXXX. This action by CREDIT COLLECTION SERV, violates my rights under multiple consumer protection laws. Firstly, CREDIT COLLECTION SERV has not provided the required validation information as mandated under 12 CFR 1006.34 ( b ) ( 5 ). Despite this failure, CREDIT COLLECTION SERV placed a collection on my consumer report, which is both unfair and unlawful. Secondly, I have not been given the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This omission denies me the right to challenge the validity of the debt, further violating my consumer rights. Additionally, CREDIT COLLECTION SERV is using false, misleading, and deceptive means to collect this debt. This blatant disregard for ethical collections practices must cease immediately. It has come to my attention that CREDIT COLLECTION SERV has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. Their current actions are a clear violation of : - 12 CFR 1006.34 ( d ) - 15 USC 1681-S2 ( 7 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. XXXX, XXXX, and Experian failed to produce an investigative report on XXXX aka XXXX XXXX aka XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Bank account or service

I receive Social Security XXXX benefits. I opened a prepaid Chase account and had my XXXX check sent to it. After poor telephone assistance, excessive miscellaneous fees and unacceptable terms I decided to close the account and sent my deposit to an alternative institution. I opened the account over the phone. But, when I called to close the account I was informed that the Issueing Agency, Social Security, had to close the account. I redirected my XXXX deposit. Four years later, XXXX sent a check to the account. Chase had not closed the account. Chase had continued to bill the account {$4.00} each month, despite the fact I ask them to close it. They took {$130.00} in fees. They refused to close the account until I got a XXXX Representative on the phone to confront the Chase representative that insisted the only way to close the account was by a XXXX representative. Chase gave me the run around before I conference called the Social Security representative in. They hung up on me many times. They would still be refusing to close the account had I not taken drastic measures. They would still be billing me just as I am sure they are still billing others. XXXX representative said SSA had closed the Chase service accounts years ago. Chase is committing fraud.I am sure I have the grounds for a class action lawsuit. I want My {$130.00} in fees that Chase stole from my XXXX benefit. during the period they continued to bill me they did not contact me to let meknow that I owed them fees. They did not contact me in any way. They held my personal information and continue to charge me and hold open an account in my name without my consent. After several attempts to close the account independently I resorted to waiting over an hour to conference a SSA representative in. This was exhausting and frustrating. I have been taken advantage of by Chase debit card services. They stole my money. They refused to close my account when I requested it. They refused to return my money they took for fraudulent fees.They are holding XXXX accounts open that should have been closed years ago. And they are still billing fees for nothing. I did not use this account for four years, yet they billed and billed but never sent me notice or an invoice. This Chase institution needs to be put out of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$320.00} ; XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$680.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Balance {$18000.00} Opened XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Balance {$61.00} ; XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$250.00} ; XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$700.00} ; XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$370.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1200.00} ; XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$18000.00}
Product: Credit card or prepaid card

On XX/XX/23 I had given permission for Comenity bank to debit XXXX from my checking to pay off my credit card account. 

The payment due date was XX/XX/23 and I paid the entire balance in full according to my paper statement ( XXXX ) on XX/XX/23. 

Comenity than had some issue with their system and only debited XXXX from my bank ( not the scheduled XXXX I paid ) This created a late fee that extended even though the account was effectively paid off. Comenity tried to charge me XXXX dollars for an original total card balance of XXXX. That is just not acceptable! I never received a notification or mailed statement ( I never signed up for email only statements ) saying that the account was ever past due or that they had an issue processing the regular payment of XXXX. Being that this was my last payment to pay the card off in full I did not expect another payment to be made at any point and only found this issue after two months had passed with a text message from them saying to call regarding my Comenity account. 

I have tried to fix this with them but was forced to pay double what was originally owed ( after spending 3 hours with them on the phone and being hung up on 4 times ) because they refused to fix the issue due to a clerical error processing my original payment of XXXX I've dealt with many creditors and I've never had a misprocessed payment before. I've also never dealt with a creditor that refused to fix or refund all fees incurred in situations very similar to this one. In my best opinion Commenity Bank does not act in good faith to the consumer and I personally will never hold another account with them again.
Product: Credit card

I opened a CHASE FREEDOM UNLIMITED credit card account mostly because of the {$200.00} bonus offer if I spend {$500.00} within the first 3 months, which I did. Never received the bonus so I called XX/XX/XXXX @ about XXXXXXXX XXXX spoke to ___XXXX_ He said that he put an escalation on the account to receive the {$200.00} bonus. 
He said when I call back, to Refer to notes entered on XX/XX/XXXX and that the Escalation should be resolved in 7-10 business days. 
They responded with a letter on XX/XX/XXXX that my account was not eligible for the promotional offer. But no other explanation as to why. I called back a second time on XX/XX/XXXX to ask why I was not eligible. The person on the phone told me that my card was not part of the promotion. When told her that the promotion was online for that particular card as we spoke, she put me on hold then came back and said that the promotion was not being offered at the time. However, the promotion has been on for months and months. I have been looking at it and contemplating getting the card because of the promotion. And that's where we stand right now.
Product: Credit reporting or other personal consumer reports

I contacted equifax about the Unauthorized inquiries and nothing was done XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 was made aware of some accounts reporting on my credit that does not belong to me. The reason I found out is that I was trying to buy a new car and when they ran my credit to see if I qualified for the loan, I was told that I did not get approved due to these accounts. None of those accounts are mine nor did I ever allow anyone to open them in my name. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report regarding these unauthorized accounts. I did not benefit anything at all from these accounts nor did I make any transactions or purchases with any of these accounts.
Product: Credit reporting or other personal consumer reports

My credit report shows that I was late on my XXXX XXXX account on on XX/XX/year>. I was never late on this account. And am asking the CFPB to investigate this account, and ask the credit bureaus, for a statement proving that this late payments is accurate. If they can not provide proof. I am asking that the late payments be removed, and the status be updated to payed as agreed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, have filed a case with identity.gov and included report and request to have account removed, none complied.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} Late/CloseXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Late/Closed Chapter XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXX Bankruptcy Inquiries in Dispute : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I requested all the documents including my credit file and emails from PHH Mortgage on my loan a few weeks ago. When I did not hear anything after a week I called and spoke with someone in the Office of the President, XXXX XXXX. XXXX XXXX sent me a secure email with my application from XX/XX/XXXX attached but stated they ( Mortgage Services ) did not keep emails and that she could not release to me a copy of the credit report from XX/XX/XXXX with my file I would have to contact the credit bureaus. Looking back and previous mortgage XXXX as supplied with a copy of the credit report. The credit report from XX/XX/XXXX I am seeking proves I do not owe a loan XXXX XXXX XXXX is fraudently trying to collect from me and has placed my home in foreclosure because I refuse to pay them. PPH Mortgage sold my loan to XXXX XXXX and only services it but they have the paperwork which proves my claim that I did not reuse a loan opened in XX/XX/XXXX. I believe they will not provide me with the emails ( everyone keeps emails ) and the credit report because XXXX XXXX has made up documents and this will prove it. My complaint is why are they not required to provide me with the forms and emails I requested as I am sure they are part of the file.
Product: Mortgage

I recently received a surplus check from Mr. Cooper in the amount of XXXX due to an escrow analysis completed on XXXX/XXXX/XXXX. The analysis to did not make sense to me so I went on their website and it now said I had a shortage. I called the company and they told me that an error had been made and they had put a stop payment on the check. When I asked how this happened the representative said they did not know. They also said I was probably sent an email. They did not notify me or send me a notice of the error via email or phone. I have however received offers to refinance almost daily! I have also sent a company this information via their website. I am now have serious questions on the legitimate calculations and processing of my mortgage.