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

My name is XXXX XXXX, and I am addressing this complaint personally, with no third parties involved. Ive attached letters that elaborate on the errors in my credit report. The reports from XXXX, Experian, and XXXX contain inaccurate and inconsistent information with incorrect dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, XXXX bank closed my XXXX card with no consent or knowledge from me. 
This led to me not being able to make payments on the account. This then led to the account going late multiple months then to a charge off. 
Even after talking multiple times to their XXXX customer service departments, with no help. They would only say things like " the account is closed, we cant help you '' or " wait till it goes to collections ''. 
For the last 5 years this account has HAUNTED me and my credit reports. Making it still so I can not obtain proper credit or even a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request to you to remove the fraudulent accounts and information you report 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 File Number # XXXX and # 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. I need you to please remove the following items as they Fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you believe that the disputed items are accurate and belong to me, I request of you to please send me copies of proof of verification from your investigation. If you can not find any documents to support your claims, please immediately remove the disputed accounts and information from my Credit File as soon as possible.
Product: Credit reporting or other personal consumer reports

Unauthorized credit usage I was a victim of trafficking, and during this time, my personal information was used without my knowledge or consent to obtain credit. As a result, there are fraudulent accounts and charges under my name that I did not authorize or benefit from. I kindly request your assistance in investigating and addressing these fraudulent activities, and in taking the necessary steps to clear my credit record of these unauthorized accounts. Your support in this matter is crucial as I work to rebuild my life and regain financial stability.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally address and seek clarification regarding the current status of my credit file with Equifax, which lists a " fraud victim ( associated with trade ) Report Blocked for Promotional purposes " without an active fraud alert. It is essential to understand the basis for this status as I have requested removal of the active fraud alert on my credit file and there is no active fraud alert at this time according to Equifax.

To assist in my understanding and to ensure accuracy in my credit report, I respectfully request the following : Clarification of Fraud Status : Please provide a detailed explanation of why my credit file is marked with a fraud victim, including the specific criteria or information that led to this designation in the absence of a fraud alert.

Correction Request if Applicable : If this status has been applied erroneously, I request that Equifax immediately remove the fraud status and provide a corrected version of my credit report.

Documentation of Any Related Notifications : If any notifications regarding this designation were sent, please supply records or documentation of when and how I was informed of this status update on my file.

Please respond to my request within the timeframe specified by the Fair Credit Reporting Act ( FCRA ) and provide any additional information relevant to understanding and, if necessary, resolving this issue. I expect that Equifax will take appropriate action to ensure my credit report accurately reflects my credit status.

Thank you for your attention to this matter. I look forward to your timely response.
Product: Bank account or service

I bank with Regions bank. I overdrew my account by {$26.00} purposely to get gas to go to work until payday on XXXX. XXXX. I expected this. On XXXX XXXX I checked my account on the regions bank mobile app it was negative {$210.00}. I was enraged. I immediately called the bank. The CSRs brushed the situation off saying there was nothing they could do. I had to get out of my character just to talk to a manager. He was also rude accused me of lying and opting in to overdraft coverage to take money when I did n't have it. I exploded, I was insulted I have been with this bank for at least XXXX years and never felt so disrespected. He finally agreed to refund {$100.00} of the fees and said he would notate the account so they would not credit the rest of my fees. I told him I would be in contact with my lawyer and hung up the phone. They rearrange transactions to take money from their customers. All of the dates on my transactions changed to reflect negatively and overdraft my account. This is flat out robbery!!
Product: Credit card

I paid three account off with a promised for a deletion and they took my money aa and did not delete the account jcpenny, XXXX, and lowes.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I 've had an American Express XXXX XXXX XXXX account for about a year now. I rarely use it. Only to store funds in. Recently I linked an external account to the american express account for withdrawals in and out of the bank since this account does not come with a card. I initiated a withdrawal from the account and I 'm thinking it went fine until a week later I check my account. My funds were never transferred they were reversed for some odd reason.I called the bank 3 times back to back. The first time I was telling the CSR my account information, then suddenly I got hung up on. The 2nd time CSR put me on hold to be transferred to a different department ... got hung up on again. The 3rd time I was speaking to a CSR after being told that I would get a call back, I got hung up on for a 3rd time.  So I 'm highly furious with their customer service. They 're holding {$380.00} XXXX and will NOT give me a reason why. My account is n't frozen or anything that I know of. I have n't received any emails stating there 's an issue with my account. I have contacted the Federal Reserve because this is highly unacceptable. I even tried closing the account and requesting a withdrawal. They 're refusing to close my account or allow me to have access to my money. I attempted to close it twice already and my request keeps being denied.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX XXXX XXXX, XXXX and Experian for multiple violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and the Truth in Lending Act ( TILA ). The actions of this company have caused significant and unnecessary harm to my financial standing and credit profile, as I will detail below. 

In XX/XX/XXXX, I voluntarily surrendered a vehicle tied to an account with XXXX XXXX XXXX XXXX. Despite this action, the company delayed the sale of the vehicle until XX/XX/XXXX, claiming this as the " identifiable event '' for purposes of reporting a Form 1099-C under 26 U.S.C. 6050P. During this prolonged period, the company failed to take timely action to mitigate the debt while also reporting the account inaccurately to credit reporting agencies. 

XXXX XXXX XXXX XXXX continues to report the account as open with false missed payments, despite the account having been closed when the vehicle was surrendered. This inaccurate reporting has directly harmed my credit score and financial reputation. Under the FCRA ( 15 U.S.C. 1681s-2 ( a ) ), creditors are required to furnish accurate information to credit reporting agencies and correct inaccuracies when they are identified. The company has failed to fulfill this obligation. 

Additionally, the company has unlawfully conditioned the correction of these inaccuracies on the receipt of payment, a coercive practice that violates the Consumer Financial Protection Act ( 12 U.S.C. 5531 ). The CFPA prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) that cause substantial injury to consumers, and XXXX XXXX XXXX XXXX actions fall squarely within these prohibited practices. 

Furthermore, the company has failed to provide transparency regarding the status of the debt and the reasons for its prolonged delay in addressing the account. Under the Truth in Lending Act ( 15 U.S.C. 1637 ( b ) ), creditors are required to provide accurate and clear account information to borrowers. The lack of transparency in this matter is both harmful and a violation of my rights under federal law. 

For over a year, I have attempted to resolve these issues directly with XXXX XXXX XXXX XXXX. I have made multiple phone calls seeking resolution, only to encounter dismissive and uncooperative responses. This lack of accountability has left me no choice but to escalate this matter to your office. 

All while these reporting agencies are supposed to have the disputes removed from account until it is resolved and the account has NOT been resolved. Reporting errors should NOT be showing.
Product: Checking or savings account

On XXXX I requested to close my CD with XXXX by Goldman Sachs, and transfer it to my external account with XXXX XXXX XXXX. 
On Wednesday XXXX, I called XXXX, and asked why the funds didn't get transferred. 
They said I needed bank verification from my credit union. I asked why, I closed another account from them, and they didn't need that info. I spoke to 3 different reps. My question was, why wasn't I notified about this ahead time. They didn't have an answer. We went through that process and they said, I should have the funds in 1 to 3 business days. On Friday XXXX I called and asked why the funds were not in my XXXX account. They said it will be in today or Monday XXXX the latest.On Tuesday XXXX I called XXXX and spoke to XXXX and said the account would have to be manually closed. I asked to speak to a supervisor. I spoke with XXXX the supervisor, she said that the transaction was cancelled. I was transferred to a XXXX, who's name was XXXX and had to answer some discloser questions in order to resolve this mess. I was then told it was going to be another 1-3 business days.This is very poor banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexus for years now has been giving insurance companies inaccurate information causing my premiums to go up They have already done this before telling people a not at fault accident was my fault in the past. Now they have changed a speeding ticket from XX/XX/XXXX to XXXX so they can keep it on my record and my insurance went up XXXX dollars because of their lies I cant actually get ahold of a human being about it there either Everything is automated and we will have someone get back with you in 7 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple letters to XXXX and three Bureaus requesting the account listed below reported not only fraudulent but in multiple violations ..... 

XXXX XXXX # XXXX 15USC 1681 SECTION 602A states I have the right to Privacy 15USC 1681 SECTION 604A section 2 ... states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX XXXX {$0.00} US DEP ED XXXX {$0.00} US DEPT ED XXXX {$4000.00} DEPTEDXXXX XXXX {$2700.00} XXXX XXXX    XXXX {$1100.00} XXXX XXXX XXXX {$1600.00} XXXX  XXXX {$0.00} US DEPT ED XXXX {$3500.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} DEPTEDXXXX XXXX {$1200.00} US DEPT ED XXXX {$2500.00} DEPTEDXXXX  XXXX {$20000.00} XXXX XXXXXXXX XXXX  XXXX {$18000.00} XXXX XXXX XXXX XXXX {$33000.00} XXXX XXXX XXXX {$1800.00} US DEPT ED XXXX {$8500.00} XXXX XXXX {$430.00} DPT EDXXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX  XXXX XXXX {$320.00} DEPTEDXXXXXXXX XXXX {$9400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
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 : collection/charge off XXXX XXXX XXXX XX/XX/XXXX {$9400.00} XXXX  XXXX XX/XX/XXXX {$4900.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$6000.00}
Product: Checking or savings account

I was depositing a check for my grandmother from Social Security which I have the permission as her representative to do and I have permission from her, as she is the owner of the check. Citi bank partially deposited the check and then a few days later notified me that the account would be closed. They did not return my funds and the check is no longer in my possession. When I contact them, they just tell me that the account was closed and they can not help me further.
Product: Credit reporting

experian will not correct the incorrect information that is reporting on my credit report with my XXXX account. This account is reporting as a 30 day late payment from XX/XX/XXXX. It has been confirmed several times that this information is incorrect. I never paid this account late. I have submitted and disputed this information numerous times and now experian will not allow me to re-dispute this incorrect information. This account is reporting as potentially negative and is schedulaed to go to a positive status in XX/XX/XXXX. This account should be listed in accounts in " Good Standing ''. I never paid this account late. My credit score is being affected in a negative way because of this wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY third dispute there are accounts on my credit report that does not belong to me I AM NOT AN ATTONERY OR THIRD PARTY REP. I am an American citizen who knows my rights and according Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. the accounts that are mines : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2020 capital one keeps lowering my credit sore and thur XXXX one of my debts was resolved. I've been making my capital one payments on time and just paid off my credit card for rebuilding my credit. With capital one I started close to XXXX now I'm down too XXXX to spite paying and being able to show proof of all that was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX Credit Card and XXXX XXXX  Credit Card As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

I previously requested this validation and you sent me a copy of my credit report saying you had verified the information. You know very well that no court of law would accept this behavior. You have violated my rights as a consumer and I'm ready to make you pay for your mistake. 

My identifying information is as follows : Date of Birth : XX/XX/1988 SSN : XXXX As proof of my identity, I have included my drivers license, W-2, a mortgage statement. I If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second dispute attempt to have these miscellaneous accounts from my credit report. These accounts were never verified according to the FCRA guidelines 623 & 611. Intend to pursue litigation in accordance with FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and 617 ; the items below are not accurate and fraudulent accounts : XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXX, XXXX XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking at my credit report for XX/XX/XXXX, I discovered a late payment that caused me to get denied for credit. The late payment was for XX/XX/XXXX, according to 15 USC 1666b, it is a violation to report credit for any purpose. I am demanding that you correct the status of the error to good standing or I will have to go forward with litigation.
Product: Mortgage

Quicken XXXX AKA Rocket mortgage ... .first they offered forbearance plan and said I can just defer payments to the back of the loan but now that I'm ready to resume my payments they won't accept them. They are saying to pay XXXX in missed payments first or they start foreclosure. I keep telling them I want to start making payments but they are only threatening me with foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I discovered fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft. 

The accounts are : XXXX XXXX XXXX / XXXX XXXX  account # XXXX amount {$510.00} XXXX XXXX XXXX account # XXXX amount {$4100.00} XXXX XXXX account # XXXX amount {$4900.00} XXXX/XXXX  account # XXXX amount {$1600.00} XXXX XXXX   account # XXXX amount {$8400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report specifically pertaining to XXXX XXXX XXXX, leaving inaccurate or unverifiable accounts unresolved. Despite providing clear documentation and evidence to support my dispute, XXXX and Equifax neither removed nor corrected the XXXX XXXX  account information. 

This failure aligns with the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, which highlights systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and neglecting to adequately notify consumers of dispute outcomes. 

In my case, XXXX and Equifax failed to provide documentation verifying the accuracy of the disputed accounts, as required by law. This lack of transparency and accountability has directly impacted my creditworthiness and financial opportunities. 

I urge the CFPB to investigate XXXX and Equifax ongoing violations and ensure they are held accountable for neglecting their legal responsibilities. Consumers deserve accurate credit reporting and a fair process when disputes arise.
Product: Credit reporting or other personal consumer reports

I filed a complaint to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Product: Debt collection

Please be advised that PNC Bank N.A and other joint tortfeasors have willfully violated the CONSENT ORDER 13-CV 01817 by racketeering or prohibited practices ; specifically creating a fictitious debt and collecting on that fictitious debt instead of providing relief from the rescinded security NOTE gained by predatory lending practices from NATIONAL CITY BANK. 
There has been a fraudulent conversion of the religious consumers family domicile and sanctuary of over 20 years. 
Please be advised that PNC Bank N.A . and their contracted out of state/foreign third-party debt collectors XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. has committed intrinsic fraud on the XXXX XXXX XXXX County courts in violation of local and federal consumer protection laws. 
They also have committed intrinsic fraud in defense of the collateral attack on THE CONSUMER FAMILY TRUST, the U.S. DISTRICT COURT EDNY ( 18-CV 7259 ) and the U.S. APPEALS COURT FOR THE 2nd CIRCUIT ( 20-590 ). 
Please assist according to law and notify any other federal agency applicable to these crimes and tort on the consumer family. 

So, mote it be! 

https : //files.consumerfinance.gov/f/documents/National_City_Bank_-_Consent_Order.pdf
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed all of the credit agencies that the XXXX XXXX XXXX XXXX Account that the late reporting on my credit file is reporting in error. I was never late on this account. Please help me to get this inaccurate information removed from my credit file.