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

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared.

I demand proof of a permissible purpose for the inquiry or account within my report. This letter is a clear indication that you have not fulfilled your responsibilities adequately. If this matter is not promptly resolved, there may be serious consequences. Therefore, I am granting you a 30-day period from the date of delivery to rectify the situation and ensure that all issues are resolved without the need for further intervention or escalation. Additionally, I request tangible evidence of the actions taken and an updated copy of my credit report. The claims listed appear to be inaccurate. Therefore, I urge you to provide accurate and verified information for each claim. If the allegations are indeed false, I expect them to be promptly DELETED from my credit 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 I also would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that these credit bureaus are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THANK YOU SO MUCH!
Product: Credit reporting or other personal consumer reports

Inaccurate account was added to my credit report. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

WELLS FARGO FALESLY REPORTED MY LOAN AS A REPOSSESSION FOR APPROX FUVE YEARS I COULD NOT GET A LOW or normal interest loan from approx XXXX to XXXX, even though my payment was always current. This caused extreme hardship when I tried to get a business and car loan. The report may have finally been removed after Wells Fargo ruinedmy credit and good name. I am asking for {$50000.00} in damages from the Wells Fargo settlement, or the maximum amount available. Wells Fargo was contacted multiple times and had the payment information but continued t falsely report my vehicle as a respossession. No one ever held WELLS FARGO ACCOUNTABLE FOR WHAT THEY dId and great emotional and financial hardship they caused me.
Product: Checking or savings account

Chase Bank is not allowing access to my account on Saturday, XXXX XXXX at XXXX XXXX PST. Access to the account is not available online, through the app or calling the number of the debit card. Therefore, I am not able to access funds through my debit card. Chase Bank is unwilling to escalate my request to unlock my card at this time denying me access to my funds.
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 accounts. 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 accounts : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$32000.00}, Bankruptcy XXXX  XXXX-discharged Reference XXXX, XXXX  XXXX Date opened XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$940.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$710.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple letters with my FTC identity theft report and XXXX and Equifax have removed all the accounts I reported as identity theft but one account. XXXX XXXX is still reporting on my credit report. pursuant to 15 USC 1681c-2 : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt by such agency of, '' XXXX and Equifax have not giving proof of this account and they tell me the count is verified but they were not there when this transaction took place so I dont know how they are coming to this conclusion. I was under the impression that after I sent in the identity theft report all truths would be revealed but here I am again making a complaint about a two companies violating the law and I have to make complaints over and over with no remedy and no proof what so ever. How are these companies allowed to break the law with no consequence. I sent in my identity theft report. So why is XXXX XXXX still reporting on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX Balance : {$6100.00} XXXX XXXXXXXX Balance : {$5700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2. It also states consumer reporting agency Can not furnish my account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex systems has removed an inquiry in the subsection inquires viewed by others after I disputed that they did not have my written aubtorization to furnish this on my consumer report. Now I am asking for a settlement of {$1000.00} for violating FRCA PERMISSIBLE purpose. I have documents when the inquiry was at inquires seen by others to an updated report to the inquiry being removed in the subsection inquires viewed by others. I will be sending a letter of notice of settlement to chexsystems  as well through mail for paper trail just in case this leads further into federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report changed my name to name of some other person with similar spelling and included unrelated addresses in my report. This happened last year. 
I have wrote twice to Equifax with proof of my identity and name. However they did not correct my report nor give my any response.
Product: Checking or savings account

This is a follow up in my initial complaint with chase. 
Complaint ID XXXX. 
My case closed awaiting letter from Chase.

Letter received from Chase Executive Office dated XX/XX/2023. 
With cc to CFPB.

Letter attached for reference.

Chase stating their plan of action which it to verify the check.

Its 6 months since then.

Id been patiently waiting for any response.

Again I have to call and follow up with Chase executive office and chase fraud department Neither can tell me any result. 

There is still No resolution. 

I am asking again for help from CFPB in this matter.

Chase responded with a an action letter. However, those were all just written words to keep CFPB on the side and kept me out of my funds while Chase is holding my funds this long.
Product: Checking or savings account

I'm trying to open an account with navy federal credit union. My consumer report shows that I opened an account with XXXX XXXX, and the contributions reason is Identity Fraud. I tried to open an account with a XXXX XXXX  but never went back to confirm my information. Technically, the account was never open. Now I'm trying to get that cleared up to open my Navy Federal Credit Union account.
Product: Mortgage

My home loan was sold to a debt collector. From XXXX home loans to Select Portfolio Services. I have great credit and have NEVER missed a payment. Sps does not do any refinancing or loan modification. I ca n't take advantage of getting relief in any form unless I become sell my home for less or become delinquent. 
Since the home is underwater no leanding institutions will assist me. Not XXXX, HARP, HAMP, XXXX XXXX, MY BANK or any XXXX BANKS. 
I was never given the opportunity to search for a new lender nor did I sign any paper work. 
Is this legal? 
I feel like a prisoner with good credit history and it 's unfair, immoral and unjust.
Product: Checking or savings account

I work for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Ally Bank has locked me out of my account and their website. I was receiving security codes to my XXXX cell phone to access my account, with email as a second option. In XXXX, Ally notified their customers they would stop sending security codes by email. Now they have instituted a policy that they will only text codes to XXXX cell phone numbers, effectively locking me out of my account. Their support office told me I need to get a XXXX cell phone to access my account. I pointed out again that Im in XXXX and have no need for a XXXX cell phone, and have no way to open an account from here. Their response was to repeat that I need to get a XXXX cell phone or access to XXXX belonging to someone else. They werent able to explain how sending my security code to someone else improved my security. They wont text to XXXX XXXX accounts so that wont work either. I filed a complaint with customer support but of course no one from Ally has contacted me as they promised. I am locked out of my account and Ally Bank has made no effort to help me or the others affected by their recent decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an XXXX credit card and forgot that I had a " fraud '' alert on my account with the 3 main bureau 's ( XXXX, XXXX, XXXX ) and assumed that XXXX would reach out to me about applying for credit. 
Instead, I received a notice in the mail from XXXX XXXX stating that they used a credit reporting agency I NEVER heard of called XXXX XXXX XXXX and the reasons for denying my credit were not even close to what my credit history is and the score the gave me was ridiculously low. 

In order to receive a copy of my report I went onto the website where it was stated that you could only receive it by calling in or writing/faxing a request. 

I AM NOT going to give my ss # or any other private information to a so-called " reporting '' agency that I've never heard of and all the info they seem to have for me is incorrect. I've recently had fraud on my credit report, hence the " fraud '' alert I put on there myself. 

Then, the company goes so far as to have an " opt-in or opt-out '' for either 5 years or permanent, to have my information given to 3rd parties, but again, to opt-out I have to supply my social security number, so who knows who these people are giving my personal information to WITHOUT my consent ( like I said, I didn't even know this company existed ). 

If this is who XXXX has handle their credit, I'm glad I was denied, because I would not want them to have access to my information knowing this is what they do with it. 

I want all my personal information erased from this company, opted out of everything forever and this credit inquiry removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and niw there's accounts reporting on my file inwhich i have no knowledge of and I'm demanding that the credit reporting agencies delete them immediately or provide me with physical documentation of such accounts. 

1 ) XXXX XXXX XXXX {$520.00} 2 ) XXXX XXXX XXXX {$190.00}
Product: Vehicle loan or lease

Hi, so this is a complaint that I have with this loan. I don't feel 100 percent responsible due to the people and agreement i agreed to. I turned in a very nice great running XXXX SUV, for what i feel was a complete lemon car.

I had the car for 1 week and it broke down. I told the guy at the dealership off XXXX XXXX that if the car was no good Dont sell it to me because i will not pay for it, i understand this isn't The right way to go about things but my word is all i have. I don't feel responsible for paying on a car that only worked for a week, and then got sold for nothing.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BYTRANSUNIONJXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I made numerous attempts to have old inaccurate deleted from my credit report. I haven't had any compliance with this matter. Experian has been reporting inaccurate and reinstating old information that hasn't been verified with me. This is a violation of FdCPA and the fcra consumer laws 15 usc 1681 and 1692.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I have previously brought to the attention of Equifax. Unfortunately, despite my initial contact on XX/XX/XXXX, Equifax has not responded to date. Consequently, I am seeking your assistance in resolving this matter. 
The following details outline the specific inaccuracies and necessary corrections : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$83.00} The aforementioned account has never been late on any payments. Therefore, I kindly request that Equifax removes the late payment notation associated with this account from my credit report. 
Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$36000.00} I would like to bring to your attention that the information pertaining to this account on my credit report is inaccurate. Specifically, I request that Equifax corrects or updates this erroneous information accordingly. 
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} I want to highlight that the account mentioned above does not belong to me. Therefore, I insist that Equifax removes this account entirely from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions and attempts to submit, Equifax consistently responds within XXXX stating the account is accurate, without providing any evidence of a thorough investigation. I have also been trying to dispute XXXX inaccurate accounts by the same creditor yet Equifax does not allow for me to do so via their website, when I call the representatives always say they'll submit the disputes for me yet no investigation has been done. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable Investigation of disputes. Furthermore, Equifax 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 proceedings ( 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. Below is a list of accounts I have marked as inaccurate ; 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: Credit card or prepaid card

I received late payment fees and interest charges on my credit card for supposedly not making payment in time. 

However, per screenshot, it stated that it was all " Processing. '' This must have been an error.
Product: Money transfer, virtual currency, or money service

I opened a business account with XXXX and had my first point of sale in XX/XX/2020 for {$4200.00}. My account was and funds were suspended because of the sale amount. I was notified that my account was being suspended indefinitely and that my funds would be on hold and available in XXXX. I contacted XXXX support via their platform and have not received any response. I have attempted to contact them by, phone, email and chat but because of the platform and they've suspended my account I not provided a direct communication channel with support to get my funds transferred to my bank account. I have {$4200.00} being held hostage and Im not getting any response from XXXX.
Product: Debt collection

Upon checking my credit reports in XX/XX/XXXX, I discovered a collection account had been placed on all three of my reports under LVNV Funding/Resurgent Capital Services . Looking the name up, I discovered this was a debt collector/debt buyer. I contacted Resurgent Capital services by mail on XX/XX/XXXX and requested validation of debt and that this be deleted from my credit report. Resurgent did not provide me with the original purchase agreement that shows that they legally own this alleged debt. Whats more, I was never notified of this alleged debt. It was placed on my credit reports and after receiving no validation that LVNV Funding/Resurgent Capital owns this debt, I contacted the three credit bureaus ( XXXX, XXXX XXXX and XXXX ) for dispute. All three credit bureaus did not provide me with a true explanation or investigation. They just said its verified with no proof. This is misleading data and Ive shown proof.
Product: Debt collection

I submitted a complaint to the Better business bureau in regards to this complaint and the company sent me a letter stating " We have completed our investigation of your dispute concerning this account '' Attached was a statement balance reflecting {$1000.00} however this company was reporting {$1000.00}. Regardless of how small the error was it is their responsibility to maintain true and 100 % accurate information when reporting to the credit bureaus. They failed to update the account when asked to validate the debt.A creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate such as misstating the balance due. They are in violation of my rights and I am requesting the account to be deleted.Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Your company is in debt dispute violation as you have failed to do the following : -submit corrected information to the CRA subsequent to investigating your dispute -refrain from continuing to submit information that it knows ( or should know ) is incorrect
Product: Credit reporting or other personal consumer reports

Feedback on Communication Issues Dear Destiny Card Customer Service, I hope this message finds you well. I am writing to express my concerns regarding the communication I have experienced with your team recently. I used that Destiny credit card one time, and I paid it off. After I paid that credit card off a few days later I called your customer service department and requested to close my account. The representative stated XXXX XXXX the account is closed. Also I never received a confirmation number over the phone, or an email stating that my account was closed. 

As a customer, clear and timely communication is crucial when it comes to managing my account and addressing any issues I may have. Unfortunately, I have encountered several instances where responses to my questions were delayed or unclear, leaving me feeling frustrated and uncertain about my account status and available options. 

I believe that improving communication processes could greatly enhance customer satisfaction and trust. I kindly request that you review your communication practices to ensure that customers receive prompt and accurate information. Also I showed up today at court XX/XX/year> at XXXX. And the case was continued until XX/XX/XXXX. Also I did not give your company written consent to sell any of my information. violation. ( B ) 1 OPT-OUT 15 U.S. code 6802- Obligations with respect to disclosures of personal information.

A financial institution may not disclose nonpublic personal information to a non affiliated third part unless such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form. 


XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX