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

I am relocating for work and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( 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 ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX - XXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Debt collection

I am involved in litigation with midland I am federally protected consumer I have never had any transactional history with midland or have a contractual obligation with the alleged account I am being sued for This has caused sever confusion for my family and frustration I have never had a account with this company with my wet signature I have never made any transactions The alleged account has a arbitration agreement in place before any litigation can begin Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law. 15 U.S.C. 1692f ( 1 ).

Midland is using unfair and misleading information to obtain a frivolous debt and I will not be scared into paying for a account that I have no contractual obligation
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA. the Credit reporting Agencies are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the Following items completely from my Crediet File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, over 30 days ago I sent you a dispute letter and I believe I was to supposed to get an update or notified of the status but I still haven't recieved any response as yet. I believe this is a violation and punishable by law. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX and the Office of the Atty General if did not I receive appropriate response.
Product: Checking or savings account

Walked into JPCHASE on XX/XX/22. A rep name XXXX XXXX of ( XXXX XXXX XXXX, XXXX, IL XXXX ) asked me to come in his office to see what HE can do for me. I explained how I was directed by XXXX XXXX to complete a form XXXX  the lady advised me to go to Chase bank which was close to me to get the ( financial bank portion of the form filled out ) XXXX form from XXXX XXXX. He said, " this form must be new, I've never seen this one. '' He asked for my ID, which I complied, XXXX went on to say, what securities was I redeeming today? that's the only way I would be able to get a XXXX stamp from chase. I asked can I still get the authority stamp for the account verification, " he said, we CAN NOT help you '' I never got the stamp, left feeling very sad and underserved left and got something to eat and my chase account was denied. Went to get on the bus and my card didn't work. 

1. I move in honor, never stolen, never compromised my bank account. Why would they close it. I have never breached my contract with CHASE BANK. ( truth in lending ) 2. I never made not one transaction in that bank, why would they cut off my card.

3. The representative need to be more educated in customer skills as well as financial banking.

4. Chase not to allow, one person to have a quick and authority closing of an account, without even consulting the person. When the person has made NOT one banking transaction. So COULD I HAVE BEEN PROFILED 5. Immediately reopen my bank account Fee Free.

6. Compensation for this major error that has caused enormous injury and an avalanche of emergencies to occur.

I have attached a copy of the XXXX form, which I had.

16 CFR 433.1 ( g ) ( f ) 433.2, 433.3 If chase agree, we don't have to go any further, if chase disagree, here are my next steps : Send me a record of accounting for any and all bank accounts both public & private according to the stipulations of GAAP ( General accepted accounting principles ) Send me my original contract, application you know my security.

gratitude
Product: Credit card or prepaid card

Spoke with 3 service representatives from syncb, all 3 refused to let me close my accts. I have XXXX store cards I want all XXXX closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account # XXXX 30 days late in XXXX XXXX, 60 days in XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX {$0.00} 30 days late in XXXX XXXX, 60 days in XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The FCRA allows only authorized inquiries to appear on the consumer credit report. This is Defamation, Negligent Enablement of Identity Fraud and Violations of the FCRA. Failure to respond satisfactory compliance within 30 days of receipt of this CFPB complaint will result in small claims actions against your company seeking {$1000.00} per violation. I have been keeping up with all complaints and corresponds from you. Please validate this information with companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

TEAM & amp XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/2021 XXXX ( Bank ) XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX ( Hotel and travel ) XX/XX/2021 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

-Public Records section of my report indicates there is a claim of : " US BKPT CA XXXX XXXX  XXXX XXXX Chapter 7-XX/XX/XXXX '' This Bankruptcy was filed by my estranged husband and I was jointly thrown into it illegally since I was simply an authorized user, yet shared no accounts. Then, I am told, the Bankruptcy, was revised into a Chapter XXXX repayment plan to include his business entities and so on. I have explained this over the phone many of times and only received generic correspondences from Equifax regarding my concerns and this complicated scenario and yet each time they shut me up and blindly verify whatever they see and leave the Public Record there on my file for their own protection. I was not a part of his Chapter XXXX repayment and owed no debt to the trustees. Please understand, I am not responsible for the county clerks irresponsible record keepings! I have immaculate credit and I am a great consumer and this is damaging my credibility and credit score. The Chapter XXXX turned Chapter XXXX combination is found under another name, closed by trustee. The debt has been repaid in its entirety, he has provided the information to me to pass along to you ; Chapter XXXX Bankruptcy, XXXX docket # XXXX. The change in circumstances are hurting me as the false record is even nearing over 9 years old, please remove it. Also, the information where it claims the original Bankruptcy was in XX/XX/XXXX is also inaccurate, it was filed with an attorney, though later changed, in XX/XX/XXXX. 

Also, there are 3 personal details appearing on my credit report under 'personal information ' which are NOT ACCURATE and I would like them removed immediately because I have no idea who these people are and what has occurred at these addresses ; as they have NOTHING to do with me and are compromising my integrity. I have no association with the following listed name, address or employer. Please delete the following as well : 1 ) XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX Ca 3 ) XXXX XXXX ( Employment )
Product: Mortgage

on XXXX/XXXX/2020 I attempted to schedule my normal monthly payment for XXXX/XXXX/2020. Every time I attempt to confirm the payment details I get a a pop up saying the payment can not be processed due to technical issues. 

Online chat is unwilling to help because it is a mortgage, and I have been on hold for over 30 minutes now. This is the 2nd month of paying Fifth Third, and the 2nd month I've had to call to be able to actually pay my bill.
Product: Debt collection

In XX/XX/2017 someone living in XXXX opened a credit one card for {$400.00} using my social security number. I do not nor have I ever lived in XXXX. Credit one bank has the email and ip address of the person who opened it neither belong to me. They have since sold the account to XXXX XXXX XXXX. I tried to dispute this online because I thought anyone who looked into it would see that I have multiple credit cards that are always paid on time with much higher limits. Also I have never lived in XXXX. Now there is 2 negative accounts on my credit report. Credit one for {$400.00}, and Midland funding for {$830.00} that are both the result of identity theft. I have filed a police report that is attached.
Product: Credit reporting or other personal consumer reports

I am writing to you yet again regarding a persistent issue on my credit report concerning my XXXX XXXX XXXX account. Despite my multiple previous letters, the error has not been rectified, and I must insist on your immediate attention to this matter. XXXX XXXX XXXX has confirmed that a mistake occurred due to an issue with their recording software, which resulted in my payments not being processed accurately. Consequently, my account has been inaccurately reported as delinquent. XXXX XXXX XXXX has acknowledged this error and has agreed to update the status of my account to reflect that it is open and never late. They have assured me that they have communicated this correction to all relevant credit reporting agencies. Despite this, the erroneous information remains on my credit report, unjustly affecting my credit score and financial standing. This is causing significant XXXX and potential financial XXXX, and it is imperative that this error be corrected without further delay. 

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

Portfolio Recovery is reporting a debt on my credit file and it must be removed. I recently checked my credit and noticed this debt reporting. I called immediately and settled this debt with them. I however, never received any letters, notices, or calls regarding this debt. This violates my 30 day right to dispute and it must be removed. Not only that, according to your company 's policy you delete accounts from collections after being settled. Please send a deletion letter accordingly.
Product: Checking or savings account

XX/XX/XXXX thru XX/XX/XXXX my direct deposit in the estimated amount of XXXX was electronically sent to my check account to Truist Bank. I contacted Truist Bank to find out why the funds were not showing on my online banking. The representative told me that I account had been permanently closed to to inactivity and negative balance which should have been only XXXX. I complained to the agent why wasn't I notified by email notification or contacted by phone that my only checking account I have is permanently closed. The agent apologized then explained to me over the phone that the decision was made by Truist to take off {$110.00} from the XXXX and that XXXX will be sent to my mailing address on file and rest it will take 10 business. I complainted to the agent that this is unfair ethical business practice. Truisr should have sent back the funds the way it was received. Not by only mail suppose the check gets lost or the address on file may not be accurate. Truist should make attempt to contact the person the finds are being sent to. To my shocking disappoint the check that Truist is sending me can't be stopped which is what I needed to happen and needed truist to provide a faster way to get my earned check so that I can pay my rental home which is still owed due to me being unemployment. I now have a new joband earning income. I feel that Truist should not get away with charging fees toward negative balance. The amount overcharges should be the only amount the consumer pays back. Truist taken XXXX out of my first check i earned since started back working. If their is a depth owed don't take the money call the consumer and allow the consumer the fair chance to pay it back in the bank or over the phone to settle it. Truist has made my life right now even more very difficult. Truist Bank has very flailed business practice ethics.
Product: Checking or savings account

Hello, My debit card was stolen on the night of XX/XX/XXXX. The next day I discovered {$6000.00} in unauthorized charges had been posted to my account and called right away to cancel my card. I was asked if the PIN was written on the card which I replied no. Once the situation was under control I took inventory and realized the PIN was written on a separate paper that was also missing. I visited the branch office on XX/XX/XXXX located XXXX XXXX XXXX XXXX, XXXX, IL XXXX to update my claim and submit evidence in the form of my location history for the last few days. After waiting many days heard nothing. I called back several times to get a status however Chase was not able to give me any information and it seemed they were not taking steps to properly document as they were missing evidence I had submitted in person. They did not communicate to me what I could have done to help the process or even to keep me informed on the claim 's status. Every phone call was a struggle to get basic information and in the end they rejected my claim with their only suggestion being to obtain a subpoena on all the places my card was used to prove these charges we not made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair credit reporting act XXXX account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX XXXX has violated my rights..15 U.S.C . 1681 section 602A. states i have the right to privacy. 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions .Another issue no monthly payment should be listed on the account since it has been charged off, which is a violation please remove from my credit report.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had deleted my negative accounts as they see the violations under FCRA. XXXX and Experian are still posting the negative accounts. I am requesting that XXXX and Experian remove the negative accounts NOW as XXXX saw the violations and had them removed.
Product: Checking or savings account

XX/XX/XXXX, U.S. Bank seized my XXXX XXXX XXXX Federal Benefits for me and my XXXX minor dependent children, XXXX XXXX and XXXX XXXX. I listed the amounts below. 

XX/XX/XXXXFederal Benefit Credit- XXXX XXXX {$270.00} XXXX/XXXX/XXXX Federal Benefit Credit-XXXX XXXX {$270.00} XXXX/XXXX/XXXX Federal Benefit Credit- XXXX XXXX {$930.00} US Bank seized a total {$1400.00} in XXXX XXXX XXXX Federal Benefits. {$360.00} of that were in overdraft fees leaving me with a negative balance of {$45.00}. This seizure of benefits left me without money for food and medication. 

OnXX/XX/XXXXI called US Banks Customer Call Center and spoke with a supervisor that identified herself as XXXX. I requested that the overdraft fees be waived due to the hardship it would place on me and my family. I repeatedly informed her that taking my entire Federal Benefit would leave me with any means to purchase food for my family nor would I be able to purchase the medication required to treat my XXXX XXXX XXXX. She refused stating that the bank would not waive the fees because they already returned {$280.00} ( in wrongfully assigned overdraft and insufficient fund fees, which XXXX claimed was done as a courtesy ) and three {$36.00} ( {$100.00} ) overdraft fees in the past and would not help me out anymore. 
I asked if the overdraft fees could be returned since they were unlawfully assigned to my Federal Benefits XXXX XXXX XXXX and XXXX XXXX anyway. 

I informed her that my children could ( at that time ) not go nine days without food nor could I go that long without my medication which I need for my XXXX XXXX XXXX, including XXXX XXXX and XXXX due to my XXXX XXXX  XXXX and other XXXX XXXX XXXX. 

XXXX went on to educate me ( her words ) that US Bank would continue assess additional extended overdraft fees to my checking account every three days until the overdraft fees were all paid off. She then said that the bank had every right to take the money regardless of the Social Security Anti-Assignment Act. XXXX went on to say that I should manage my money better and not order pizzas as she could see that I had on the XXXX of XXXX. 

Before the call ended she demanded to know if I wanted her to take off my overdraft protection and I told her yes, I never asked for it. She said that it was automatically provided back in XXXX when I agreed to it, and assured me that my overdraft protection had been removed. 

On XX/XX/XXXX US Bank assigned {$45.00} overdraft fee with an additional {$25.00} extended overdraft fee assigned onXX/XX/XXXX, but did not attach the extended overdraft fee until my XXXX XXXX XXXX XXXX directly deposited into my checking account. 
To date, US Bank has me at {$1600.00} in the negative in overdraft fees.
Product: Credit reporting or other personal consumer reports

Lexington Law firm keeps charging my account in denominations from about {$20.00} to {$140.00}, whenever my account has any money in it. I have repeatedly emailed and called them asking to remove my card from the account and cancel my account with them as they have done NOTHING to improve my credit score over the past year, plus. My credit score increased with my paying off debits, and that ALONE. I want every single payment they've taken from my account returned.
Product: Checking or savings account

BANK OF AMERICA COLLUDED WITH XXXX TO COMMIT ACCOUNTING FRAUD BY MANIPULATING MY ACCOUNT 'S FINANCIAL RECORDS. 

BOTH INSTITUTIONS REPORTED THESE FALSE CLAIMS TO ACCOUNT HOLDER. 

THESE FALSE ALLEGATIONS ULTIMATELY LEAD TO OVERDRAFT FEES THAT WERE EVENTUALLY RESCINDED BY THE BANK. NEVERTHELESS, THE BANK DID ENGAGE IN MANIPULATING ACCOUNT ACTIVITIES TO COVER UP BOTH XXXX 'S AND XXXX 'S INVOLVEMENT IN AN ATTEMPT TO PLACE ONUS ON COMPLAINANT!
Product: Credit reporting or other personal consumer reports

Experian has been reporting on credit information that has already been paid off by saying it was closed such as XXXX, XXXX XXXX, Making it impossible for me to move into an apartment because of credit rating. Also showing I have judgements and delinquent accounts and counting my student loans which are in forbearance on my credit report. I need this issue to be resolved quickly so I can secure a rental space. I can end up homeless because inaccurate information on my credit report.