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

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

I checked my credit report and discovered discrepancies in the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( account number : XXXX ) Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputed and requesting the proper investigation of Inaccurate non validated information being report by the XXXX bureaus. TransUnion they are currently reporting XXXX total accounts XXXX open, XXXX closed, and XXXX delinquent which is not validated and also being disputed with those companies as well. Transunion has XXXX as open and those accounts currently have a balanced paid in full. They have self/lead closed with XXXX balance. TransUnion is also reporting XXXX unauthorized and inaccurate inquiries from various companies without my permission and are defaming my character as a consumer. XXXX currently has my current address incorrect, reporting XXXX accounts XXXX open accounts XXXX closed, XXXX delinquents XXXX inquiries. XXXX is currently showing XXXX accounts totaling XXXX open accounts, XXXX closed, XXXX delinquent and XXXX inquiries. In light of the investigations that have been bought upon XXXX and Transunion I find that my consumer report is being irresponsibly tampered with with all XXXX. I asked that respectfully all inaccurate information be removed and or properly investigated/validated as per federal law I'm owed accurate and fair reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$600.00} XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX {$2000.00}
Product: Checking or savings account

Wells Fargo is threatening to close my account if I do not walk in the branch and show them my Identification.

Keep in mind this threat was made before the account was even open. 

They understood that I did not complete the application process. Then sent me welcome letters 2 days later after the threat. 

On Tuesday XX/XX/XXXX XXXX pm Welcome, XXXX XXXX Thanks for choosing Wells Fargo. Here are ways to get money into your new checking account. 



On Thursday XX/XX/XXXX XXXX Wells Fargo performs ongoing reviews of its account relationships in connection with the Banks responsibilities to manage risks in its banking operations. We recently reviewed your account relationship and, as a result of this review, we will be closing your above referenced accounts because information provided when the account was opened is inconsistent with internal and public records. The accounts are expected to close by XX/XX/22. Please note that the Bank reserves the right to close the accounts sooner if circumstances arise that warrant an earlier closing. 

Seems like their is some sort of discrimination going on here. I do need to speak to corporate and all parties responsible for inaccurate reporting will be sued. 



Before my account was even open rep told me that she would be blocking all incoming deposits. How would they be able to do that if my account wasnt open in the first place so thats why they rushed to send me the welcome letter just to block the account
Product: Student loan

Hello, I applied for a XXXX XXXX XXXX  discharge due to fraudulent practices by my school. My status is pending, but I qualify for the loan discharge announced by the XXXX XXXX and the XXXX  on XX/XX/XXXX, as my school was the XXXX XXXX XXXX XXXX XXXX 

I understand that the loan discharge announced is only for federal loans. What I'm inquiring about now is how to receive assistance with the private loans I currently hold. I am aware that Navient has released a XXXX XXXX called the " Navient XXXX XXXX XXXX. '' It appears the terms would apply to my current circumstances, so I would like to be sent this application as well. I was told I could contact the CFPB for additional information and assistance. 

Thank you for your time, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and I request that you remove the fraudulent accounts from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached my FTC reports and my driver 's license + proof of address. Kindly remove the account asap.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check in the amount of {$170000.00} into my checking account at the Wells Fargo branch in XXXXXXXX XXXX. 
At that time I asked the teller, XXXX, when the funds would be available. She checked her computer and said {$400.00} would be available that day and the balance the next, XX/XX/XXXX. I was given a printed receipt and emailed the same that said exactly that. 
On XX/XX/XXXX I checked my balance online and indeed the funds showed available. 
Today the availability was reversed. Based on yesterday 's information I transferred {$120000.00} to my XXXX brokerage account and paid several bills online. 

I called the XXXX  XXXX, XXXX, this morning ( XX/XX/XXXX ) to find out why the funds availability was reversed. She could only tell me that the 'back office ' did it and it may be several days before the funds are available. 

My account now shows I am {$110000.00} overdrawn. This is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. XXXX, XXXX, AND TRANSUNION HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND TRANSUNION, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ 15 USC 1681 ( a ) ( 2 ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3. FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS. ALSO, THE ADDRESSES LISTED ON MY CREDIT REPORT ARE NOT MINES, I'VE NEVER LIVED AT ANY OF THESE PLACES : XXXX 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 XXXXXXXX. COULD YOU PLEASE DELETE THEM FROM MY CREDIT REPORT.
Product: Credit card or prepaid card

I was charged a {$37.00} late fee on my Cabela 's  account that has a balance of {$150.00}. In addition to it being an usurious fee ( 23 % ) I have been working with a collection agency on this account, to which it was forwarded after non-payment over one year ago. The collection agency, XXXX XXXX, set me up for recurring payments. I agreed to make two ( 2 ) payments on the remaining balance, which was around {$160.00}, at the end of XX/XX/XXXX. The first payment was deducted on XX/XX/XXXX for {$80.00} and a second payment was set for mid XX/XX/XXXX. Today I received a bill from Cabela 's with a new  balance of {$110.00} which has been adjusted to include a late fee ( which the collection agency should have reversed because we agreed on a payment date ) and an interest charge of {$2.00} ( interest that should have been stopped when I entered repayment with the collection agency over one year ago ). 
In sum, I am realizing that I am basically paying off late fees that accrued because the collection agency did not adjust my payment due date and interest that XXXX XXXX staff led me to believe would be arrested due to the closure of my Cabela 's account and agreement to work with their agency.
Product: Checking or savings account

Marcus CD account XXXX- Received an email asking me to call Marcus as soon as possible regarding my new CD account XXXX - Made the first call, and was told that they were not able to verify my identity using my phone number & driver 's license, told me that someone will contact me about other ways to verify my identity XX/XX/XXXX - Second call, did not receive anything over the week and wanted to check. They said they were still working on it and asked me to call a week later if I still didn't receive anything XX/XX/XXXX - Third call because nothing happened, told me that Marcus would have to close my account. No reason was given, they said that they had the right to close any account. They also told me that they would mail me a check with my money. 

- XX/XX/XXXX - Fourth call because I did not receive a check, and I don't see any updates on my account. Made a total of 3 calls in the morning ( each about 45 minutes ) because it kept getting disconnected automatically. When I finally got connected, they told me that my account was not closed yet and they wanted me to call them 2 days later to know if they would actually be closing my account ( but excuse me? didn't you say you were closing it 2 weeks ago? ). They put a hold on my account ( so I can't transfer my money ) and had not yet closed it after 2 weeks ( so they couldn't mail me the check ). At this point, I felt like they were doing this purposely so they didn't have to give me the money. 
I asked if I could close the account on my behalf because I didn't want to use their product anymore, and the answer was no. They said someone would contact me about the status of the account. But if they didn't, call them 2 days later to check the status. 

I was not given any reasonings throughout the process. They never did what they promised to do, and they always asked me to wait more and contact them. I'm not able to do anything with my account and my money in there, and they are certainly not helping.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient fund when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices where transition settled with insufficient balances despite initially available funds. i believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

For the past 1 1/2 yrs we have been harassed by Portofolio Recovery Services for a debt of our adult daughter. The company knows it is not our debt. We were told the company would continue to call until we give them our adult daughter 's phone number. We refused to give them her phone number. She has lived in XXXX for the past 18 yrs. We have lived in XXXX the past 37 years.
Product: Debt collection

Phoenix Recovery Group placed a collection account on my report on XX/XX/XXXX. The only contact I and my wife received from Phoenix was via email. ( See attached ). The information was disputed with each credit bureau on XX/XX/XXXX. They did provide information concerning the validation of the debt. The debt was disputed directly with XXXX XXXX XXXX and Phoenix Recovery Group on XX/XX/XXXX via fax and mail.
Product: Credit reporting or other personal consumer reports

I why trying to get a car but my credit wasnt good so I reached out to this company so they can help me fix my credit on order for me to get this car lesson in law was accompanying that was happening with my situation. Cant remember it been so longlike I really cant remember how long ago it was but it might have been XXXX through XXXX up in that area but its been a while and I have to take a money out of my account every XXXX weeks. So when I see that my credit wasnt getting fixed, I called and asked him why to take it so long for my credit to go up or be fixed. They told me itll be three-six months that XXXX see something good with my credit, but I havent seen anything good with my credit. My credit was still the same it was still poor it didnt go up or anything, but yeah you still taking money out of myaccount. Can I remember the account number but my social you can probably look me up with my social..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Consumer ID # XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX TN XXXX Early Warning Services LLC XXXX XXXX XXXX XXXX XXXX, AZ XXXX Im writing to do an investigation on the following information on my consumer report. I have never opened or used these following account number as for my information has been exposed to XXXX data breach and XXXX XXXX XXXX data breach. 
Bank : XXXX XXXX XXXX. Date opened : XX/XX/XXXX Account # XXXX Routing # XXXX Bank : XXXX XXXX. Date opened XX/XX/XXXX Account # XXXX Routing # XXXX Bank XXXX XXXX. Date opened : XX/XX/XXXX Account # XXXX Routing # XXXX I dont recognize the accounts in question. I am a victim of identity theft and I dont recognize these accounts on my consumer report. I request the following information be deleted from my Early Warning Services Consumer report immediately and I attached a copy of the report to go with this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, unauthorized accounts have appeared on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be blocked and deleted from my credit file : Accounts to be Blocked and Deleted : XXXX XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$72.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$160.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account 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 a reasonable investigation of disputes. Furthermore, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, LA, XXXX XX/XX/2004 XXXX Anything other personal information other than the above is invalid. Please remove ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other information that is not verified by proof of ID. Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Victoria secret credit card/Comenity bank. I paid the loan completely off XX/XX/2021, the account on my credit report is stating 8 late payments on XXXX XXXX report, 7 late payments on XXXX  and 7 late payments on XXXX  report which are all false inaccuracies I was never late. I contacted Comenity bank and the credit bureau and I cant get any help updating the inaccurate late payments which are damaging my credit score and making me unable to purchase a home. Please help me XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Reporting by the Three Bureaus Dear CFPB, I am filing a formal complaint regarding the inaccurate reporting of two closed accounts on my TransUnion credit report XXXX The accounts in question are : Late payment reflecting on all three bureaus : XXXX  Acct # : XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Acct # : XXXX Date Opened : XX/XX/XXXX I did not make any late payments in this institution. Please update it in my credit report. 

Collections/Charge-off due to Identity Theft : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX ) Account # XXXX Date Opened : XX/XX/XXXX Inquiries due to Identity Theft : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U

nder the FCRA, credit bureaus are obligated to take swift action upon receiving notice of inaccuracies due to identity theft. Non-compliance with these regulations may lead to significant penalties and legal repercussions.

I already filed an XXXX  Report, a police report, I called the bureaus, sent dispute letters, but still it is not removed from my report.

I hereby request a thorough investigation into these disputed items and prompt resolution of the inaccuracies. This entails removing all erroneous information, blocking any fraudulent accounts from reappearing on my credit report, and providing me with a revised credit report once the investigation is concluded.

I look forward to your prompt response and action to resolve this issue on my credit report. 
Sincerely, XXXX XXXX