23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I can't use plaid to link my pnc account
Product: Credit reporting or other personal consumer reports

XXXX reduced my credit limit from XXXX to XXXX while my credit balance was already XXXX. That made it look like I was over my credit limit by XXXX. That made my credit worthiness look very bad. Before they reduced my credit limit I was never late infact I always paid a week or 3 days before the due date and always more than the minimum payment. Then on my bill they were stating that the minimum payment due was XXXX for the month. I wrote several letters and nothing was ever done noone wrote or called me back. And during the times that I was waiting for someone to help me with this situation I was getting several 30 days behind. I did not have XXXX dollars to pay for a monthly payment. I finally spoke to someone at about XXXX XXXX XXXXXXXX morning and she told me that my payments will be only {$160.00} each month and that is what I have paid for 1 yr and a 1/2. And she said she would send the situation up to a management team to state the conversation as well and nothing changed. Still never late. This is impacting my credit in a really big way. It shows that my monthly bills are much higher than they are. It has dampened and darkened many things that I could do with my life and my home it causes denial each time. I have disputed with all credit bureaus as well. I am very distraught.
Product: Mortgage

We just moved into a new home and immediately had issues with Amerihome Mortgage ( XXXX ) on getting set up on auto pay. They told us we had to make the payment over the phone and let it process in a few days at which we can apply for auto pay at which point I did. Come to find out that the agent didn't process the correct payment and even thought the auto pay is currently set under my online portal as they have my account and routing info to pull the payment they not only didn't call me stating I had a block call which was not true I asked not to be called regarding any telemarketing only account related items. So now my sterling record has taken a XXXX point hit and they are giving me the run around and apologize. As of today my payment with them are up to date but they need to process a credit deletion report for the error of not processing the correct payment over the phone and not ensuring the auto pay was set up correctly the second time causing my account to go to delinquent status as attached but the auto pay still being on. 

Confirmation Code for payment : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen and used to apply and do business with different companies. I reported it and demanded that the accounts resulted from it be removed. Untill today I did not receive any response and the account is still in my report.
Product: Credit card or prepaid card

Hi- I applied for a credit card at US Bank for the XXXX XXXX XXXX. 

It had a bonus award for spending XXXX within 90 days of opening the account. 

After applying I got the card about 10 days later. Then 48 hours after meeting the spend requirement for the bonus, I got a letter saying they were cancelling the card because they said the charges were suspected to be for improper purposes. 

So I called right away after receiving the letter. They also said that they could not find my company in public records. I explained it was a Nevada LLC and just because I was in California that doesn't mean it doesn't exist and they should check Nevada records.

I also explained to the credit specialist " XXXX XXXX '' that US Bank was a Delaware corporation and Much like XXXX XXXX- this is suspicious activity to churn account fees ( this has a {$95.00} fee on the card and a way to get spend without paying out the bonus ). The guy honestly made no sense on the call and it appears like they are hiring just random people to do credit work. 

he also said he thought the purchases I made were suspicious even though I verified all of them. Some of them were chair massages for employees in XXXX XXXX which is axially a very common benefit in an competitive job market and he called it a " massage parlor ''. The call was a bit insane and I've never in my life seen anything like it. 

I asked to speak to a supervisor but he refused. All my calls to the bank go back to this same specialist and he said there was no appeal.
Product: Debt collection

WHEN I CHECKED MY CREDIT REPORT I SAW THIS ACCOUNT THAT DOES NOT BELONG TO ME
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written consent 15 U.S.C. 1681c ( a ) ( 5 ) is a provision under the Fair Credit Reporting Act ( FCRA ) that specifies how long certain types of adverse information can be included on a consumer 's credit report. Here 's what it says : " ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) Duty of Furnishers of Information 1 ) Prohibition ( A ) Reporting Information with Actual Knowledge of Errors 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

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$21000.00}
Product: Student loan

My loans through XXXX XXXX were transferred to Navient. I wish to ended the length of the loan the help lower the cost of monthly payments ( which in turn actually makes them more money ) but they refuse to budge on making my payments actually affordable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the Credit Reporting Agencies and informed them of the issue at hand. I requested an investigation of the matter, but the results of their investigation were inaccurate. I then reached out to my Creditor directly and they then informed and provided me with documents illustrating the correction of the information and informed me that the Credit Reporting Agencies are reporting information inaccurately on my credit report. The 3 major CRA 's continue to report inaccurate information on my credit report despite the knowledge that the information they are reporting are inaccurate. Due to Experian, XXXX and XXXX 's negligence, my livelihood has been negatively impacted and the reporting of such negative/incorrect information has wrongfully impacted my ability to obtain credit and has resulted in my denial for credit when applied for. Furthermore Experian, XXXX and XXXX are all reporting the same inaccurate information differently on their credit report system and all differs from that of my original Creditor 's. This is a clear violation of my rights, and they are in violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX disputed twice opened XXXX XXXX balance is {$1000.00} company took no action. 
2. XXXX XXXX XXXX XXXX XXXX credit inquiry that was not done by me. 
3.XXXX  XXXX XXXX XXXX XXXX XXXX Mi XXXX hard credit inquiry on XXXX XXXX and XXXX XXXX I did not submit this inquiry and the company did nothing about it. 
4.XXXX XXXX XXXX Inquiry was done on XXXX XXXX and XXXX XXXX no information was given by creditor. 
5 XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA XXXX I did not submit this inquiry. 
6. XXXX XXXX XXXX XXXX were done on XXXX XXXX and XXXX XXXX No Contact information I did not submit these Inquiries. 
7.XXXX  XXXX XXXX XXXX information was given XXXX XXXX and XX/XX/XXXX and XXXX of XXXX. 
8. XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Hard Inquiry that I did not do. 
9.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
! 0.XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX TO : CONSUMER FINANCIAL PROTECTION BUREAU COPY : XXXX XXXX XXXX FROM : XXXX XXXX XXXX   RE : COMPLAINT AGAINST XXXX XXXX, ACCT : XXXX. 
XXXX Account Ending XXXX This is a second complaint against XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, OH. XXXX, who CONTINUES to report the Charge Off on my credit report incorrectly. ( See Their Letter dated XX/XX/XXXX ) My credit card account with XXXX was unfortunately first reported as a charge off XX/XX/XXXX due to the death of my husband. This is correct. My final payment was made to XXXX XXXX XXXX, XX/XX/XXXX and the account was closed. However, in several letters written to XXXX XXXX XXXX, I asked if they would simply report that the account was paid in full rather than paid for less than the full balance, for I paid them {$4000.00}. in cash and they also reported the total amount to my income tax. This I thought should have resulted in the wording of Charge Off, PAID IN FULL. Instead of making this correction or explaining their rationale, XXXX XXXX responded punitively and changed the First Reporting date, the Charge Off date and the Date of Status as indicated below and in attachments : # 1 Date of Credit Report XX/XX/XXXX First Report XX/XX/XXXX Charge Off XX/XX/XXXX Date of Status XX/XX/XXXX # 2 Date of Credit Report XX/XX/XXXX Same Same Same After Letters of Dispute, the First Report Date, Charge Off/Closed Date & Date of Status were CHANGED to : # 3 Date of Credit Report XX/XX/XXXX First Report XX/XX/XXXX Charge Off XX/XX/XXXX & XX/XX/XXXX Date of Status XX/XX/XXXX # 4 Date of Credit Report XX/XX/XXXX Same Same Same # 5 Date of Credit Report XX/XX/XXXX Same Charge Off XX/XX/XXXX Same It is clear that XXXX XXXX XXXX responded punitively after my request for them to change their wording to Charge Off, Paid in Full. They changed the First Report Date from XX/XX/XXXX to XX/XX/XXXX! The First Report Date is not a variable in reporting facts. Likewise, how can one change the Charge Off Date, XX/XX/XXXX to two  different dates of XX/XX/XXXX and XX/XX/XXXX as well as the Date of Status to XX/XX/XXXX, and then after a second complaint change to one Charge Off date of XX/XX/XXXX. The Charge Off was paid in full and closed XX/XX/XXXX. This should be the charge off date forever as well as the Date of Status forever. Any other change of dates is fraudulent facts. 

There is quite obviously something fraudulent in XXXX XXXX XXXX facts and figures. I am registering this complaint for their failure to correct after three requests & disputes. See their letters XX/XX/XXXX & XX/XX/XXXX, restating their position to support their fraudulent facts. 

4 Attachments
Product: Vehicle loan or lease

On XX/XX/2023 I went to XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX in XXXX, GA after filling out a consumer credit transaction application on their XXXX XXXX website. I was unfairly denied based on my credit score by 4 companies whose name follows : XXXX XXXX, XXXX XXXX XXXX, XXXX, & Consumer Portfolio Services. I am fully aware and overstand my rights as a consumer under the Truth In Lending Act 15 USC 1601 as well as my rights pertaining to Federal Reserve Act 16, sections 1 & 2. I did not benefit from this transaction and due to the misleading adverstisement for a down payment & other factors, I have been without a car since then. This has brought great damage to my livelihood, my family and being able to provide transportation for my children.
Product: Credit card or prepaid card

AMEX failed to protect me with my dispute as a consumer who did not receive their goods they have ordered! 

I ordered a tablet in XXXX from XXXX, and after a long wait, they shipped it out in XXXX via XXXX. However, XXXX lost/ stole the item fraudulently stating it has been delivered on XX/XX/22 on the evening of XX/XX/22. There was no signature obtained, even though there was signature required! I asked XXXX for help, but they refused to give me a refund, even though they admitted on XX/XX/22 that it was probably lost. Finally, a Tier XXXX customer service representative promised me a refund, but then they GHOSTED me! 

Therefore, I filed a chargeback via AMEX. However, AMEX denied my claim because XXXX sent in a form with screenshots of the XX/XX/XXXXpage that said the item was delivered. Also, they said they credited me {XX/XX/XXXX.... But what about the other {XX/XX/XXXX?! XX/XX/XXXX is NOT the entire cost of the tablet. 

And what about my multiple screenshots with proof that the dates are really sketchy and faulty... And what about my police report? And proof that customer service said they would refund me? And then ghosted me? 

Do any of these mean nothing to you, AMEX? Do you even read my claims and evidence? I am so disappointed. As an AMEX card holder, I expected better customer service and protection, and more thorough investigations. If this does not get resolved by AMEX, I will have to cancel my card and be a loyal cardholder with XXXX.
Product: Debt collection

XXXX : FICO score has decreased by 28 points XX/XX/XXXX THIS IS A FRAUDULENT SHELL ENTITY. The entity uses coercive and deceptive phone tactics, data theft, and false reporting to credit agencies. 

Account name RECEIVABLE COLLECTION SE Account number XXXX Recent balance {$120.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. 

RECEIVABLE COLLECTION has flagged your account as Collections. 
XX/XX/XXXX Alert Date XX/XX/XXXX Source XXXX   Company XXXX XXXX Payment Status Collections Status Date XX/XX/XXXX Balance {$120.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, NY XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's  internal collection department Status Updated XX/XX/XXXX Balance {$120.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NY XXXX Ownership Individual Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$120.00}
Product: Prepaid card

ON XXXX XXXX, 2016 @ XXXX XXXX MY AMERICAN EXPRESS BLUEBIRD WAS HIT WITH A FRAUDULENT ATM WITHDRAWL IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX GAS STATION ) FOR {$300.00} ONLY PROBLEM I WAS IN XXXX USING MY CARD DAYS BEFORE THAT HOURS BEFORE THAT WITHDRAWL AND THERE IS ONLY XXXX CARD** I IMMEDIATLRY CALL AMEX TO REPORT PROBLEM ON XXXX XXXX AMEX LOCKED ACCT. UNTIL I COULD GET TO ATM TO WITHDRAWL REMAINING FUNDS IN XXXX THEN THEY WILL CLOSE ACCT. AND SEND NEW CARD ON XXXX XXXX, 2016 I RECIEVED AN EMAIL FROM THEM ASKING ME TO FILL OUT FRAUD PAPERWORK AND UPLOAD IT BACK TO THEM I DID** ON XXXX XXXX, 2016 I RECIEVED AN EMAIL FROM AMEX LESS THAN 24HRS. LATER THAT THEY DID AN INVESTIGATION AND FOUND THAT I WAS IN VIOLATION OF CUSTOMER AGRREEMENT XXXX. AND THEREFOR NO ERROR HAPPENED AND THEY WAS NOT GOING TO REFUND MY MONEY** BECAUSE I GAVE SOMEONE MY CARD AND PIN NUMBER ** ( WHICH IS NOT TRUE ) I WAS IN XXXX TRAVELING FOR MY JOB WHEN THIS TRANSACTION TOOK PLACE IN XXXX AND MY TRANSACTION WILL PROVE THAT** THERE IS ONLY XXXX CARD AND ITS IMPOSSIBLE TO BE IN XXXX STATES AT THE SAME TIME** AMERICAN EXPRESS LOCKED MY ACCT CLOSED IT DOWN WHICH STOPPED MY DIRECT DEPOSIT AND I HAD NO MONEY TO PAY BILLS AND I WAS IN ANOTHER STATE WORKING STRESSED OUT** I CONTACTED XXXX POLICE DEPT. FOR ASSISTANCE OFFICER XXXX INVESTIGATED WITH IN 24HRS. HE HAD WENT TO GAS STATION WHERE CRIME OCCURRED TALKED TO ATM COMPANY AND OBTAINED VIDEO AND PICTURES OF SUSPECT WHICH I HAVE ALSO** FROM THIS POINT I CONTACTED AMEX OVER 25 TIMES TO GET TO A PERSON WHO WOULD HELP NO LUCK JUST CUSTOMER SERVICE AGENTS SAYING THEY WILL PUT INFO IN NOTES IN MY ACCT. XXXX THEN I INFORMED THEM LAW ENFORCEMENT WAS INVOLVED AND THEY DID AN REAL INVESTIGATION NOW THEY TELL ME I HAVE TO HAVE THE POLICE TO CALL CUSTOMER PROTECTION SO THEY CAN TRANSFER HIM TO AMEX XXXX** I HAVE CALLED OVER 20 TIMES IN A MONTH TRYING TO GET SOME RESOLUTION NONE SO FAR **** EVEN XXXX POLICE DEPT. HAS CONTACTED AMERICAN EXPRESS BY PHONE AND EMAIL AS WELL AS PROVIDED THEM WITH THE INVESTIGATIVE REPORT FROM THEM** WHEN AMEX RESPONDED TO XXXX POLICE DEPT. THEY SENT TIME STAMPED DATES FROM THE XXXX XXXX SHOWING THE SUSPECT MADE NUMEROUS ATTEMPTS FOR MONEY, THATS FINE BUT IT HAS NOTHING TO DO WITH AMEX REFUNDING MY MONEY EVEN AFTER I HAVE PROVED AMEX NEVER DID AN INVESTIGATION AND LAW ENFORCEMENT HAS PROVED I DID NOT HAVE ANY THING TO DO WITH THE TRANSACTION THEY STILL WONT GIVE ME MY MONEY BACK, BUT THEY HAVE GIVEN ME ALOT OF RUNAROUND XXXX POLICE DEPT. TOO ALL IN HOPES I WILL GIVE UP AND I 'M NOT I HAVE EVERY EMAIL AND PAPERWORK *** AMERICAN EXPRESS DOES NOT PROTECT THE CONSUMER AT ALL THIER PROTECTION IS TO TURN YOU INTO THE SUSPECT AND PROTECT THEM FROM LOSSES** I HAVE FOLLOWED EVERY THING IM SUPPOSE TO DO AS A CONSUMER I DID EVERYTHING I NEED TO FOR AMERICAN EXPRESS STILL NOTHING BUT GAMES FROM AMEX**
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent information includes a personal loan account opened with XXXX XXXX XXXX XXXXXX/XX/XXXX ; a personal loan account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; a utility account opened with XXXX XXXX XXXX on XX/XX/XXXX ; and multiple unauthorized hard inquiries, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of the consumer FICO credit report maintained by you, which shows these fraudulent items. I do not recognize the aforementioned accounts or inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that these items are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I was receiving bills from a collection company. I wondered for days why i received this collection bill twice, if I knew I didnt owe anything. I got onto my XXXX XXXX and saw I was sent to collections as well. I took action and pulled my credit report on XXXX  XXXX. I am extremely shocked with these accounts on my report that I have never opened. these accounts do not belong to me. Please remove these items on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX - The following personal information is incorrect - personal information is inaccurate please delete immediately. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX NJ, XXXX - 15 U.S. Code 1681e - Compliance procedures ( 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 - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Incorrect Address - XXXX XXXX XXXX, XXXX NJ, XXXX - The following personal information is incorrect - personal information is inaccurate please delete immediately. 

Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX - 15 U.S. Code 1681e - Compliance procedures ( 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 - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting XXXX XXXX, Experian, and XXXX have 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Product: Checking or savings account

I was recently applying for a wells Fargo checking account and when finishing the application it was not going through. I called and they mentioned an account being open with my name that I have no knowledge of