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

To Whom It May Concern : I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX CARD Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. CODE XXXX - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX I made this " purchase, rent '' of 2 mattress in XXXX, XXXX XXXX XXXX XXXX XXXX, for the amount of {$860.00} with a down payment of {$53.00}, later on I made a phone call to the company ( ACIMA ) making a plan of liquidate the purchase in 3 months to pay early in order not to get interest. First off all in that phone call no one specified me that if I miss a payment I would be place in a new contract with this tremendous inhuman interest rate. Well, without letting me know they subtract from my Visa Card my first payment of {$280.00} on XX/XX/XXXX, on XX/XX/XXXX they subtract the second payment of {$280.00} out of 3 payments agreed, when they try to collect the third payment again without letting me know, the credit card company where I was making payments with, reduced my credit line and I had no notice of that, leaving the third payment without enough founds to cover. ACIMA did not have the courtesy of notify me immediately, I would of find another payment method to cover this final payment. I try to make this final payment as agreed but they did not accept and now they are charging me a total of {$1200.00}.
Product: Credit card or prepaid card

My account was debited {$400.00} on XX/XX/2020, by the card company. The reason for the debit was " XXXX XXXX XXXX XXXX '' I called on XX/XX/2020 to dispute the debit. It is now XX/XX/2020. I have wasted 10 hours in phone calls, talked to dozens of people, I have been lied to, had calls disconnected after waiting 56 minutes, and no one has done anything that I have been told would be done. It states in writing about Error reporting and resolution Procedures on the back of my statement. If it takes longer for the investigation to complete they WILL put the funds back on my account so that they would be available for me to use. That is to happen within 10 business days. I have yet to have the funds returned to me. When I call in the story changes and I am told I still  need to wait. I feel as if I have been ripped off. I do not understand how anyone can tell me about an investigation when it was reliacard who took the funds in the first place. I was told it was because they thought I had received credit for a dispute. I had never called to dispute anything until the XX/XX/2020 the debit was done 0n XX/XX/2020. That is when I had enough and decided to report the why reliacard does business. I do not believe that they can be trusted. If I had not caught this mistake I would of never been notified about it. So I wonder where all that money goes. I will escalate this to the local TV news station so I can let as many people know to watch their statements from Reliacard. By the way, after accounting STAFF balanced my account, it was found that the balance on my account is off by XXXX  dollar. If you take that time how many accounts are handeled by reliacard someone is making alot of unreported income. XXXX XXXX
Product: Debt collection

This is violation of code 5 U.S.C. 552a ( b ) my information has been given out without my consent please remove immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry listed on my XXXX credit report, which I believe is inaccurately affecting my credit score and profile. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681b, I am entitled to dispute inaccurate information reported in my credit file. 
Inquiry Details : - Creditor/Institution : TD AUTO FIN - Date of Inquiry : XX/XX/2023 - Reported By : XXXX I have no recollection nor record of authorizing this inquiry, and as such, I consider it to be inaccurate. I hereby request a thorough investigation into this matter. According to the FCRA, all information reported on my credit report must be accurate, complete, and verified. If this inquiry can not be verified as accurately authorized by me, it must be removed from my credit report. 
Request for Documentation : Furthermore, I demand that all documents, contracts, or agreements that bear my original signature and purport to authorize the aforementioned inquiry be provided to me. If no such documentation can be furnished within 15 days of receipt of this letter, then in accordance with the FCRA, this inquiry should be promptly removed from my credit report.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX XXXX are not deleting my bankruptcy XXXX  XXXX its been over 10 years. XXXX already deleted my bankruptcy XXXX XXXX, and I expect Equifax and XXXX XXXX to do the same. After 10 years, this is supposed to be off the persons credit and I will sue you guys. If you dont delete this bankruptcy XXXX XXXX this is your intent to sue notice.
Product: Mortgage

My name is XXXX XXXX XXXX well me and my husband bought a four family in XX/XX/XXXX.I remembered my husband asking the closing attorney how much the mortgage was going to be he didn't say it was your Austable all he said was {$2700.00} a month that part wasn't ture on the 80 percent and a second mortgage of a balloon notes 20 % .we started experiencing a hardship in XX/XX/XXXX when the adjustable interest rates kept skyrocketing as high as 11 % and my husbands hard-earned money went towards this house.after years of trying to do a modification the bank 's kept denying us when we was qualified for the program they kept denying us saying there was missing ddocuments when I paid a real estate broker {$4000.00} to help with the modification I gave them all the documents that they needed. We have fallen short lost our home due to foreclosure and it has been the terrible experience to have to go Thur. JP Morgan and Chase are terrible they denied millions of applications for modifications.
Product: Bank account or service

I am writing regarding the Wells Fargo situation in which many, many accounts were opened without customer authorization. It happened to me in 2012 at the XXXX, N.J.branch There were XXXX accounts that I noticed in my online profile that I did not recognize. I called their XXXX number, explained what I saw and was told they would investigate. They told me the accounts were opened by a XXXX XXXX in person at the branch. I never opened any additional accounts at the branch and never heard of a XXXX XXXX. What they did n't tell me was that they were shutting down my accounts until they investigated. As a result I had no access to my money for 2 days. I went into the branch looking for the branch manager at the time, XXXX XXXX. I explained why I needed to see him to several people on different occasions but was told every time he was unavailable. It seems he was forewarned of my anger and was too guilty to come out and see me. I then formalized my complaint in writing and it was sent to a XXXX XXXX for review. After 2-3 days XXXX called me and said there was no wrong doing. To me this was a flagrant cover up by these XXXX individuals. Just recently, I contacted the wells hotline at XXXX and explained what happened. The woman I spoke to was very understanding and did confirm there were accounts opened under my name without my authorization back in 2012. Simple and to the point, accounts were opened without my authorization unlike what the XXXX people I have mentioned told me. I gave her the names of the XXXX people involved and she assured me my case would be re-opened and reviewed. Of course I would not be informed of the outcome of their investigation! Well, at this point I ca n't trust that any investigation would actually be done by Wells Fargo as they had covered up this situation before. For this reason I am writing to the CFPB. I did not incur any fees as a result of their actions so I am obviously not looking for any money, but it truly angered me to the core that they would do this to a 30 year customer of their bank. I keep seeing a figure that XXXX people were fired for doing the exact same thing these XXXX people did to me. XXXX person fraudulently opened the accounts ( XXXX XXXX ) and XXXX people covered it up ( XXXX XXXX and XXXX XXXX ). From what I understand, these XXXX people are still employed by Wells Fargo and they should be punished for their unlawful and unethical actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After consulting with my attorney XXXX XXXX of XXXX XXXX XXXX XXXX, I was advised to complain through this medium. I am a victim of identity theft. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) the credit bureaus are required to provide proof of account ownership. These accounts were opened by a family member who stole my identity. I had PERFECT credit up until when these accounts were illegally opened.

Account Name Balance Owed Date Opened 1. XXXX/XXXX {$490.00} XX/XX/XXXX 2. XXXX XXXX {$1000.00} XX/XX/XXXX 3. XXXX XXXX XXXX {$0.00} XX/XX/XXXX 4. XXXX XXXX XXXX {$790.00} XX/XX/XXXX 5. XXXX XXXX {$1100.00} XX/XX/XXXX 6. XXXX XXXX {$570.00} XX/XX/XXXX 7. XXXX/XXXX XXXX {$0.00} XX/XX/XXXX 8. XXXX XXXX {$20000.00} XX/XX/XXXX
Product: Debt collection

After carefully requesting my credit report from your company, I am having a lot of trouble discovering a lot of inaccurate or invalidated accounts. 

I have several accounts reporting on my credit report, that are a result of identity theft. I request more proof of how such accounts i've never opened, authorized, obtained or used are now resulting in a negative credit report, hence hindering my financial progress as well as applying & financing abilities. It is only fair to abide by the fair credit reporting act and thoroughly do an investigation on all accounts that are a result of identity theft. 

I have mailed dispute letters followed by an FTC report to your company In early XXXXXXXX XXXX XXXX of all unauthorized accounts that are a result of identity theft. Bureaus are failing to properly report and investigate this matter.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am demanding the removal of the following incorrect information : 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

The information listed here is showing on my credit report but does not belong to me. I have filed a complaint with the FTC and contacted the creditors. I also sent the credit bureaus copies of my identification and social security card. These items must be removed immediately, otherwise the credit bureaus are supporting fraud! 

1 ) XXXX Opened XX/XX/2015 {$16000.00} ( Highest Amount ) 2 ) XXXX XXXX Opened XX/XX/2015 {$500.00} 3 ) XXXX Opened XX/XX/2015 {$460.00} 4 ) XXXX XXXX Opened XX/XX/2015 {$1400.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXXXXXX is reporting a balance of {$160.00} for a collection account. That update is incorrect because I already agreed to pay the settlement amount of {$930.00}, which i did. The original balance was {$1100.00}. Instead of them deleting the account, since its now settled and paid in full, they instead updated the balance amount. This collection account should've been deleted since it was already settled. Please delete this account
Product: Checking or savings account

I can not make payments via XXXX. The error says " my bank has made a change that does not allow the app to connect ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX  this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Checking or savings account

On XX/XX/20 and XX/XX/20 funds were taken out of my Wells Fargo account without my permission. I will attach copies of the notices. Wells Fargo has DONE nothing to resolve this matter which is causing great hardship. How could they allow this to happen. The 2nd incident was dona on a wells fargo check with NO routing or account number, just taken out of my account. I would like answers
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act USC 15 1681 section 602a states " there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy ''. My rights to privacy as per the Privacy Act of 1974 have been violated by XXXX XXXX XXXX subsidiary to XXXX XXXX, Equifax, XXXX, and XXXX. ( 18 USC 241 ) Equifax, XXXX, and XXXX are consumer reporting bureau 's and I'm the consumer. i have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX XXXX XXXX has violated my federally protected rights under colorable of law, and their own CORPRATE CORE VALUES AND POLOCIES specifically 18 USC 242, as well as Failing to follow federal law and FDCPA and many more. I've inquired injury and mental stress emotional damage and injury to my consumer report to provided for my family. XXXX XXXX XXXX has committed SECURITIES FRAUD by obtaining and trying to collect from a certificate of indebtedness without the proper authorization, furnishing false and misleading statements on my report, 18 USC 1028, 15 USC 1681b, states who can authorize that and i did not. continuous violations need to be met with compensation due to my federally protected rights being violated, and they refuse to follow the law. 15 USC 1681a ( 2 ) ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681e states " ever consumer reporting agency shall maintain reasonable procedure designed to avoid violations of section 1681c of this title and limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax, XXXX, and XXXX are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

Hello, Over the past year Ive been having credit issues. I had 3 Credit cards and they were all closed concurrently. I called My Bank, and my credit card companys and they told me they closed my accounts due to me not verifying my information or so. They said they sent me a letter in the mail stating that I had to verify my information but I never received that. I now have delinquent accounts on my report and it is draining my credit score.
Product: Debt or credit management

I have a Buckle account and the credit card for that account is with Comenity Bank, This credit card was previously paid off and someone called me and told me I was 30 days late for a {$22.00} payment and that was a {$22.00} late fee so I paid the {$44.00} dollars thru XXXX, and on my latest Credit Report it had dropped XXXX points. Is there anyway I could get that fixed? I have heard that other people are having this same problem with Comenity Bank, they wont answer my phone calls. I payed {$44.00} XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding in accuracies in my credit report. Despite my submissions. Equifax consistently responds in 24 hours stating the accounts is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

Capital One reported " XXXX  day late '' payments for XXXX XXXX but they were the wrong amount due to a simple error. Automatic payments were set-up by me for a fixed amount XXXX $ XXXX XXXX instead of the minimum payment due ( {$65.00}. ) I did this to avoid EVER being late on a payment. As my balance increased, the fixed amount became too little. Because of my error, my payment wasn't enough to cover the minimum payment but I NEVER missed a payment and was NEVER late with the payments that I made on my account. Capital One never notified me of this deficiency in my automatic payments which would have been easy to fix had I known at the time. They never advised me that the payments I was making would show as late on my credit report. Instead of calling me or sending a letter, they were more than happy to continue adding a {$35.00} late charge every month, making my balance climb even more. Every other payment that Ive ever made to Capital One and all my creditors has been timely because this is very important to me. This was almost XXXX years ago and they refuse to remove the " late '' payments WHICH WERE NEVER LATE off of my credit report. I continue to suffer paying higher interest rates for credit because of this misunderstanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent XXXX rounds of dispute letters regarding an inaccurate account thats being reported. The first response I got back from the first letter was to send proof of identity and I have done that and resent a letter explaining my problem and requesting a deletion. I have yet to hear back from the credit reporting agency equifax and its been over XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, To whom it may concern, I paid XXXX XXXX double mortgage payment for the month of XXXX. My account was recently transferred and my previous company sent XXXX XXXX a paid mortgage payment on their end and I paid a full payment in my end as well. When I spoke to a representative, they mentioned that the payment was in the principle account and would be transferred for my XXXX or XXXX payment. I was a new transfer to XXXX XXXX and received minimal assistance with my double mortgage payment issue. The representative mentioned that due to current COVID-19 policies, they would not report any late payments, especially since I already have the payment in the principle. They took a long time to transfer the payment and after numerous calls, the mentioned they there were delayed with servicing everyone. The late reporting on my credit report should have never occurred. I also did not accrue any late fees which means my payment was not considered late on their end. The representative reassured me that credit reporting would not occur due to seeing the funds available for transfer. I am disputing to have the report removed from my credit. They were very slow to assist but reported a late payment after I was told that they would not have under COVID-19. My credit has dropped 80 points and I would really appreciate the assistance.