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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

their customer service would not help and take care of the negative inquiries reporting to my credit report i do n't recognized.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a public record on my credit report that has to be deleted, the FCRA says that everything on my credit report needs to be 100 % accurate, and Equifax, XXXX and XXXX XXXX  are breaking the law by reporting this in inaccurately. I know that XXXX  XXXX is providing this information to the credit bureaus and not the bankruptcy court like they keep telling me. I disputed this bankruptcy before and it was ignored by these three companies. These credit bureaus are giving me a hard time and I am very upset at the fact that they think, they can just report whatever they want. I contacted the bankruptcy court and I asked if the courts shared or validated bankruptcy information with third parties and they said no, I requested this in writing and it was sent to me by mail. This public record is being reported in accurately because on my credit report it says that the bankruptcy court is the data furnisher for this and that is not true. I want this public record deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account XXXX XXXX # XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX has violated my rights. 



In accordance with the fair credit reporting act convergent account XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX has violated my rights. 



In accordance with the fair credit reporting act convergent account XXXX XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account B-XXXXXXXXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX DIST CT Bankruptcy XXXX XXXX # XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account 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 written instructions.
Product: Bank account or service

Attempts have been made to improve my credit scores. Wells Fargo has been reporting that account is correct with no delinquencies, insist on reporting account as an account that may be considered negative. Information reported to credit agencies by Wells Fargo does not support this account that may be considered negative. I questioned Wells Fargo 's actions to continue to report account as an adverse/account that may be considered negative. They have failed to respond to my concern.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account with my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

My complaint is about the company Chime and the underlying financial institution The XXXX XXXX XXXX. I was made aware that my information was part of the recent XXXX XXXX XXXX data leak and that some of my personally identifiable information ( PII ) was available on the web, including the dark web. I got an email on the morning of XX/XX/23 welcoming me to Chime and that I apparently now had a Chime checking account with a debit card being mailed out " in the next few days ''. I DID NOT APPLY FOR OR REQUEST A CHIME ACCOUNT - THIS ACCOUNT IS UNAUTHORIZED AND FRAUDULENT. I called Chime to report the account as unauthorized and close the account. I asked Chime for the address that was on file for this account and they would not tell me what address was on the account, even though the account was opened in my name with all of my information. 

I informed Chime I was very concerned with the lack of controls around their account opening process, as it was very easy for someone to take a few pieces of information about me ( they at least had my name, email, phone number, and SSN ) and open an account with NO attempt to validate my identity - there was no 2-factor authentication, they did not have a picture of my identification, etc. I asked Chime how they can help ensure there are no further accounts opened in my name and they said if I see any future accounts opened up I should keep calling back to close them, which is NOT an appropriate method of customer due diligence. Because of how easy it was for someone to open the first account, I think it's highly likely further unauthorized accounts will be opened in my name. This is particularly concerning because Chime appears to approve account holders for credit cards with a {$200.00} deposit in the checking account, so someone would easily have taken out credit in my name due to Chime 's weak control system for customer authentication.
Product: Money transfer, virtual currency, or money service

My paypal account was closed over 2 years ago and I was told I would have access to my funds in 180 days. When that time was up I was told I wasn't able to withdraw my funds. Over {$600.00} and my balance was cleared to zero
Product: Debt collection

The collector maintains I owe a debt of {$270.00} from XX/XX/2015 for XXXX XXXX XXXX  I incurred no such debt then or in the previous year to the best of my knowldge
Product: Credit reporting or other personal consumer reports

Please take a moment to review this complaint carefully, as it is not submitted in error. Ive noticed that my credit report contains incorrect information, including accounts, transactions, and items that I have no connection to. This mix-up is deeply troubling and has been causing me significant stress and XXXX Additionally, my personal information on the report appears to be inaccurate, which may be contributing to these unknown and erroneous accounts showing up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. On XX/XX/2021 I have submitted a follow-up letter of my Federal Trade Commission Report to all three major bureaus ( XXXX, XXXX, Experian ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Product: Vehicle loan or lease

I applied for an XXXX XXXX on XX/XX/year>. The current advertised rate for 60 month, used vehicles is 5.49 %. I was approved for a 9.39 % loan at 60 months. I emailed in, and called in to see if this was a mistake, but only was told that is the rate I was given, and there is nothing that can be done. I requested on XX/XX/year> by email, and on XX/XX/year> by phone, information on how to qualify for the advertised rate of 5.49 % but was stonewalled. I would like to formally file a complaint based on my XXXX XXXX XXXX, 100 % on time payment history, 1 % credit/debt ratio, and other credit based factors, of which I have a 20 year history.
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX XXXX XXXX re my info may be hacked due to data breach. After several attempts to sign in to take advantage of my free Experian Identityworks, XXXX XXXX XXXX signed me up over the phone However, I was not able to sign in. I was told that XXXX of my answers to their security questions was different from what they had. I am sure the answers are correct and their info is inaccurate or fraudulent. I explained to the service reps ( XXXX ) that someone recently applied for a credit card in my name, and there may be false or fraudulent info in Experian 's data base. I am willing to provide any info -- bank guarantee, notarized statement, or other paperwork to prove my identity. I was told the only way to prove my identity was to answer all the security questions correctly -- even though they may contain inaccurate info. 

PS. some time ago I froze my credit bureau info as a precaution. I can still sign in to that account but the only options I have are to unfreeze my account ( no way ) or buy for {$29.00} per month their ID protection..
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 i recieved an iquiry from XXXX. I didn't authorize this transaction.I disputed the inquiry for deletion but nothing was done about this inquiry.I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail. 

on XX/XX/2019 i recieved an iquiry from XXXX XXXX XXXX. I didn't authorize this transaction. I disputed the inquiry for deletion but nothing was done about this inquiry. I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail. 

on XX/XX/2019 i recieved an iquiry from Lendmark Financial S. I didn't authorize this transaction. I disputed the inquiry for deletion but nothing was done about this inquiry. I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the deletion of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts DELETED XXXX : XXXX XXXX XXXX Date opened XXXX XXXX, 2007 Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX Date opened XXXX XXXX, 2007 Balance $ XXXX Late Dates XXXX
Product: Credit reporting or other personal consumer reports

This is my 3rd Request in investigating Late Payments for Equifax. I have also requested my address to be updated. I have also call no answer. I have not received any updates. It has been more than 90 days.
Product: Checking or savings account

I was making my car payment by phone because I was late and I send the payment and noticed insufficient funds, unauthorized checks had been cashed against my account draining my funds. I reported suspicious activity to Chase bank and was told they could not help me. I was never notified that fraud was being committed in my account and I.m hoping someone can help with the situation. 

There were checks from XXXX deposited into my account without my knowledge in the amounts of ( XXXX, XXXX, XXXX, XXXX ) for a total of XXXX and then the funds were fraudulently withdrawn. Chase has not worked with me at all on this, I now have a negative balance of XXXX. I have a child that Im supporting and need help. Im recently new to this country and I am helping family in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The last dispute I submitted was in XX/XX/XXXX in regard to their reporting of my XXXX XXXX account. The account has been reflecting a 30 day late payment which is being reported incorrectly. I received a letter from XXXX XXXX that I mailed to Experian that reflects they reported the 30 day late payment in error. This letter was generated on XX/XX/XXXX in which they also stated they mailed to the bureaus in regard to the error as well. But yet after their attempt and a year later they are still showing false information. If this attempt does not work with the CFPB I will take it a step further to get this inaccurate information removed as this is intentional false reporting and I am sure that there are laws against this type of activity. If they do not believe that the letter is factual there is a contact number on the letter which makes me believe they didn't even bother to investigate my dispute. XXXX XXXX even refunded the amount of the late pay due to the error. I am also uploading a copy of the letter that I receive from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX 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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

I would like to follow up in regards of the fraud items appears on my credit file and this complaint serves as a formal request for the swift removal of these fraudulent items from my credit report. Upon discovering these unauthorized entries, I promptly initiated the dispute process as outlined by Credit Bureaus, providing all requisite documentation, including police reports and affidavits, to substantiate my claim of identity theft and fraudulent activity. Considering the significant ramifications for my financial stability, it is imperative that you expedite the investigation and removal of these fraudulent items from my credit report. Swift action is paramount to mitigate any further damage to my creditworthiness and restore the integrity of my credit history. I hereby request the action to be taken without delay and i would like to ask from your help to remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello there were multiple accounts opened on my behalf that are not mine including opp loans for {$2700.00} XX/XX/XXXX XXXX XXXX for {$5500.00} XX/XX/XXXX XXXX XXXX XXXXXXXX $ XX/XX/XXXX in addition these are incorrect inquiries that have appeared on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

XX/XX/year>XXXX  I was entered into a contract with what I believed was Markosian Auto 's in-house financing. It turns out I was entered into an agreement with a financial institute named APG Financial. I was told my {$2000.00} deposit was needed in order to get approved for said " in-house financing ''. My agreement was shown to me on a computer screen being scrolled through while going over terms of the agreement. I didn't know every time I said " okay '' ... an electronic signature was made in my name. This is how I was entered into an agreement making Markosian Auto my power of attorney and another agreement with APG Financial who collects my payments. I was charged gap insurance and the neither company was not licensed to sell insurance until XX/XX/year>. I was charged a fee for not being able to afford auto insurance with a {$500.00} deductible. I sent letters with tracking and certification to revoke power attorney and rescind the agreement. this was over 20 days ago. I stopped paying due to the fraudulent charges that I addressed in my letter to rescind. APG Financial turned the vehicle off after one bi-monthly " missed '' payment ( not even a full months payment late, not even 30 days late ), using a gps device in the vehicle due to the " late '' half payment. I have not gotten a response or any acknowledgement from Markosian Auto to move forward.
Product: Mortgage

seterus inc took payment from my bank account on XX/XX/2015for XXXX ach showed at first they received then on XXXX XXXX 2015 seterus said it was sent back nsf I sent bank letter saying it was not returned they will not help correct problem says bankhas money bank does not i need help for them to post to accountthey gave me more late fees on XXXX XXXX 2015
Product: Checking or savings account

I sold my car to XXXX XXXX on XX/XX/2022 Bank of America immediately froze my account stating it was an unauthorized deposit as if XXXX provided me with a fraudulent check i reached out to XXXX who provided proof that the check cleared their bank and was a good check. I have tried for over a month with Bank of America to fix this showing them the bill of sale documents from XXXX even did conference calls with XXXX to prove this was not a bad check and the funds have already cleared XXXX bank. Bank of America pushed the close date of my account back several weeks holding the funds finally on XX/XX/XXXX a month later they closed the account but are still holding the funds stating they are trying to validate the source of the funds when i have provided all information required to show these are my funds i was instructed to call back on XX/XX/XXXX or XX/XX/XXXX for an update that the funds have been sent and again i call and they are still holding the funds. They have refused to work with me or XXXX on getting the funds returned to either of us. I have been without electricity for XXXX weeks now because of this and my rent is behind XXXX months i have had to XXXX in my car for weeks with XXXX XXXX Bank of America will not even help me even after i have provided them with all the info needed and requested. They lied since day XXXX saying the check was going to be returned because it was fraudulent but in actuality it was not fraudulent and the check cleared on XX/XX/XXXX.
Product: Student loan

I applied for a XXXX plan via my plan provider, MOHELA, on XX/XX/. I have called MOHELA XXXX times since then, and each time, they assure me my submission will be processed within XXXX weeks and then once again place me on forbearance. I have been placed on forbearance XXXX times. I have uploaded the most recent forbearance documentation. 

I need to have my XXXX plan processed to begin making payments via my current employer. My life is on hold in the meantime because I am looking to buy a house for myself and my mom, and I can not while my loan is still in foreberance.
Product: Debt collection

Portfolio Recovery has taken old debt that was discharged in bankruptcy and added onto my credit. I spoke to different representatives and they stated the this account was purchased in XX/XX/XXXX. However, any accounts with XXXX were filed under bankruptcy. Also, XXXX XXXX purchased accounts from XXXX and while account was on my Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX {$550.00} {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX credit as XXXX XXXXXXXX, Portfolio Recovery as reinstated the debt to read XXXX.
Product: Credit card

I am submitting a letter I prepared for my XXXX counsel plan, but then professionally put to letterhead by them and forwarded in my behalf ... ... ..It is presented as I fully expressed to the lawyers ..They sent an initial letter XX/XX/XXXX ; and then after no response, the same letter subsequently was resent by Certiied mail on XX/XX/2016. Both attempts have resulted in no responses or acknowledgement. 
The address for American Express Company, New York, was given to me by a representative of my Delta American Express Credit Card company when I originally sought information on how to register my complaint of its unfair consumer presentation and dellivery. Hopefully, an outreach effort by your organization will assist me in receiving what is fair and due me by virture of good and honest business ethics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Is reporting fraudulent inquiries on my credit report from these companies : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plat as late for any purpose.