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

This serves as a formal demand for the immediate removal of the fraudulent account listed under XXXX XXXX from my credit report. This account was fraudulently opened and is not authorized by me. Under federal law, you are required to remove any inaccurate or unverifiable information from my credit report. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I am exercising my rights as a consumer to demand the deletion of this fraudulent account. Under 15 U.S.C. 1681s-2, data furnishers are prohibited from reporting inaccurate information, and credit bureaus are obligated to correct or remove false data. Failure to comply with these legal obligations is a direct violation of federal law and may result in legal action against all responsible parties.

Additionally, under 15 U.S.C. 1681n and 1681o, I reserve my right to pursue legal remedies, including statutory damages, punitive damages, and attorney fees, should you fail to comply with this demand. I expect written confirmation of the removal of this account from my credit report within the legally required timeframe. 
I have enclosed a copy of my identification, social security card and a copy of my credit report highlighting the fraudulent account for reference. 
I expect written confirmation of this deletion. Failure to act will result in further legal consequences.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees.

This issue appears consistent with recent findings by the CFPB, which identifies similar practices by NAVY FEDERAL, where transactions settled with insufficient balances despite initially available funds. These practices are unfair, and I request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I was alerted in XXXX from XXXX that someone made an attempt to charge my card. So XXXX reissued the XXXX. When I look on my Experian report, I now have 2 accounts open for the same XXXX XXXX. I submitted an online complaint to Experian in XX/XX/year>. The only thing Experian did was update the balance of the closed XXXX  card and keep the card as open. 

I contacted XXXX via email on XX/XX/year>, letting them know Experian credit report shows I have 2 open XXXX XXXX cards with a {$10000.00} limit each and a combined credit limit of {$20000.00}. And they said they would look into it. After a few back and forth, on XX/XX/year>, XXXX says they will look into it. 

To date, Experian continues to report 2 XXXX XXXX 1 XXXX cards on my credit report. The correct XXXX, shows monthly payments. The closed XXXX shows the last payment was XX/XX/year>.
Product: Debt collection

Im being harrassed about a debt i did not owe to the original creditor. Ive asked them to stop contacting me and to remove the derogatory mark from my credit report they have refused.
Product: Checking or savings account

Chime denies all my disputes even though I have sent them so much evidence proving the transactions at question were not made by me. 

Please have them investigate my disputes and return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX is still being reported inaccurately, even though your agency claims it was verified as accurate. Despite my previous dispute and your subsequent reassurances of rectifying the inaccuracies, I regret to inform you that the report continues to contain several unresolved errors, which has had a detrimental impact on my creditworthiness and financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been writing all XXXX bureaus, about accts and inaccuracies, in my credit file. There is a account, XXXX XXXX XXXX # XXXX, they are reporting, XXXX different negative late payments, i have written them several times, and they still continue, to keep this in my reporting even though it is inaccurate reporting. They are supposed to be a independent agencies, why do they keep doing negative things to the consumer file. i am a single woman, trying to raise a child, the law is clear inaccurate or incomplete, listings have to be deleted, its costing me time and money to try and get something so simple, how do they have so much control over our lives. EXPERIAN, XXXX and XXXX all are still reporting such.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX 15 U.S.C 1681 Section 602 A. states that 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 and any other adverse item of information, other than records of convictions of crimes which antedates the repot 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XXXX, ACCOUNT # XXXX WAS PREVIOUSLY DISPUTED VIA CERTIFIED MAIL AND SENT TO YOUR AGENCY. A RESPONSE OF " Account previously in dispute - investigation complete, reported by data furnisher '' AND " Account previously in dispute - Now resolved by data furnisher '' AND " Dispute resolved; reported by grantor '' WAS PROVIDED 30 DAYS AFTER THE DISPUTE. BUT IT IS TO MY UNDERSTANDING THAT THIS ACCOUNT IS STILL INACCURATE AND REPORTING DIFFERENT INFORMATION ON ALL THREE CREDIT BUREAUS. INSTEAD OF ASKING FOR A REINVESTIGATION, I AM REQUESTING FOR THE DELETION OF THIS ACCOUNT DUE TO THE UNLAWFUL MISTAKES BY THE EXPERIAN CREDIT AGENCY. 



XXXX. XXXX, ACCOUNT # XXXX WAS PREVIOUSLY DISPUTED VIA CERTIFIED MAIL AND SENT TO YOUR AGENCY. A RESPONSE OF " Account previously in dispute - investigation complete, reported by data furnisher '' AND " Account previously in dispute - Now resolved by data furnisher '' AND " Dispute resolved; reported by grantor '' WAS PROVIDED 30 DAYS AFTER THE DISPUTE. BUT IT IS TO MY UNDERSTANDING THAT THIS ACCOUNT IS STILL INACCURATE AND REPORTING DIFFERENT INFORMATION ON ALL THREE CREDIT BUREAUS. INSTEAD OF ASKING FOR A REINVESTIGATION, I AM REQUESTING FOR THE DELETION OF THIS ACCOUNT DUE TO THE UNLAWFUL MISTAKES BY THE EXPERIAN CREDIT AGENCY. 



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 whom the report relates.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

On XX/XX/year> I called XXXX XXXX XXXX and asked them to change my due date because every time I make a payment it never gets posted to my credit report correctly and it messes up my credit score. The representative told me it would take two billing cycles for the change to take place. I made my XXXX payment on XX/XX/XXXX which was the current due date. I paid off the balance on XX/XX/XXXX. The statement closing date was XX/XX/XXXX. I had a XXXX balance on XX/XX/XXXX. Therefore, they should have reported my XXXX balance to the credit bureaus. However, they did the due date change early and the due date changed to XX/XX/XXXX and the statement closed on XX/XX/XXXX which was 9 days after the actual statement closing date. Now my credit report shows a {$300.00} balance reported on XX/XX/year> which is incorrect. That is 40 days instead of 30 days.
Product: Bank account or service

I tried to open a regular checking or at least a savings bank account today with Chase - FSR XXXX XXXX and XXXX - XXXX XXXX XXXX - both Banks refused to open an account because I do not have XXXX yet since I just arrived to the US on XXXX/XXXX/16 with a XXXX - married to an US citizen.I presented my Passport with the XXXX with the official Stamp from Homeland Security, as well as my Social Security number, proof of residency. 
I 'm a lawful resident of the United States, married to an US citizen, allowed to work. Even Employers accept and know about the Stamp, XXXX and do accept this - as i is a very clear and simple process by the US Government. 
But those XXXX Banks refused today o open a bank Account, even my wife was with me and presented all her legit paperwork as an US citizen they did not open an Account. 
This denial is descriminatory. 
I am allowed to work, pay taxes but can not have a bank account where my pay cheque can be deposited in ....
Product: Credit reporting or other personal consumer reports

I have 3 Accounts that do not belong to me on my Experian credit report. Companies have not provided me with a wet signature or contract. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX those accouts does not belong to me
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 XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.What would be a fair resolution to this issue? Please delete these accounts.I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint.I request that all written confirming regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had deposited a refund cashier check on Saturday, XXXX XXXX to Wells Fargo Bank. I was told by the bank that I had received the refund on that Wells Fargo had verified the funds and cashed the check on XX/XX/2023. I was told by Wells Fargo customer service agent that the check hasn't been cashed in fact it was returned. They advised that the funds were not available, and will be placing the check on restriction until XX/XX/2023. Meanwhile my account is overdrawn and they are charging me a {$35.00} overdraft fee.
Product: Credit card

My Barclaycard account was closed, but went to collections. The collections company DID NOT place the account on my credit report, because I settled it in full right away. However, Barclaycard refuses to update my credit report to say that it was settled in full. Even after I disputed it, they have it marked as a charge-off. I need this to be updated, as I am trying to fix my credit.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax about several innacuracies about my address on my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX tx XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX I have never been associated with those addresses. 

Additionally, I request the update of late payments to accurately reflect my payment history. Specifically, US Department of Education Balance {$2700.00} opened XX/XX/XXXX  US Department of Education Balance {$3900.00} opened XX/XX/XXXX  US Department of education Balance {$3900.00} opened XX/XX/2XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission and also filed a Police Report on my local police department. Additionally, I have reached out to the bank associated with the fraudulent account. 
XXXX XXXX XXXX. 

The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which has been mistakenly existing on my report for over five years. 

But somehow, this fraudulent account is still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent account since the submission of the required documents.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX refused to update my accounts current balance and status after receiving gap and insurance payment that should have lowered my balance and updated to current, they have not updated since XXXX. They are reporting inaccurate my balance is XXXX they are reporting XXXXXXXX XXXX  they received a payment of XXXX from my insurance and did not update to current for the month of XXXX. They have also been adding interest and taking from my insurance payments in which my interest was updated to XXXX back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i, XX/XX/2020 According to 15 usc 1681 ( a ) ( 3 ) Equifax assumed a vital role in assembling my consumer report. 15 usc 1681 ( a ) ( 4 ) Equifax Didnt exercise grave responsibility, was unfair and partial, and didnt respect my right to privacy. As a consumer Equifax never had permissionable purpose, and I never gave permission according to 15 usc 1681 ( b ) ( 2 ) to furnish anything in pursuant to my consumer report.

I have attempted to dispute the a furnish account twice but have been ignored.
Product: Credit reporting or other personal consumer reports

Wilful non noncomplians They paid XXXX XXXX. To report bankruptcy on my credit report It's time for a lawsuit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX,, XXXX TD Bank XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Formal Notice of Inaccurate Reporting and Violation of FCRA 1681 ( e ) ( b ) Dear XXXX XXXX XXXX XXXX I am writing to formally dispute the inaccurate reporting of the partial account, the number ending in XXXX ( I have also included my social security number and date of birth at the bottom of this letter ) to the credit reporting agencies. It has come to my attention that your company has been reporting this account as charged off repeatedly, although a charge-off is a one-time event that occurred on XX/XX/XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), 1681 ( e ) ( b ), furnishers of credit information are required to ensure the accuracy and completeness of the information they provide to credit reporting agencies. By reporting multiple charge-offs, you are providing misleading and inaccurate information, which constitutes a violation of my rights under this provision of the FCRA. 
I respectfully request that you : Immediately correct the reporting error by ensuring the account reflects the accurate charge-off status, with the correct date. 
Provide written confirmation of the corrections made to the credit reporting agencies ( XXXX, XXXX, and TransUnion ). 
Cease all further inaccurate reporting of this account. 
If this matter is not resolved promptly, I have also filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue additional legal remedies to protect my rights under the FCRA. 
I expect a response and confirmation of the corrective actions within 30 days of receiving this letter, as required by law. You may contact me via mail or via email : XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2018 we had 3 hard targets on our credit that was not authorized. It was at a XXXX XXXX that we attended and found out that they opened a XXXX XXXX credit card in our name we did not authorize that is fraud also there's a Barclays Bank that is on our credit report for the same day and XXXX so that's 3 hard hits that we did not authorize them to run our credit for anything it's all fraud and we want these taken off our credit report now.
Product: Credit reporting or other personal consumer reports

Per attached screenshots, this is in regards to DEPT OF ED/XXXX  as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on Experian, XXXX on XXXX, XXXX on XXXX. Kindly see screenshots for proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

XXXX XXXX XXXX XXXX XXXX XXXX ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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. '' Much Obliged, XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion SmartMove has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. This aligns with ongoing concerns about the company 's practices, such as failing to forward consumer-provided evidence to furnishers, relying on insufficient responses, and neglecting to provide adequate dispute outcomes. These systemic shortcomings mirror my experience, where TransUnion SmartMove has not corrected or removed disputed items despite the evidence I have submitted. This inaction has caused significant harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion SmartMove 's failure to comply with federal law violates my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ), CAPITAL ONE NA, XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by XXXX XXXX ( XXXX ) on XX/XX/XXXX, -XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by CAPITOL ONE NA on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and Capital One NA and XXXX XXXX ( XXXX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Sections 604 ( b ) ( 3 ) ( A ) and 604 ( b ) ( 3 ) ( B ) should be to Section 609 ( c ) ( 1 ), ( c ) ( 3 ) Congress re-organization of Section 609 ( c ) in 2003 ( FACT Act ).

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 whom the report relates. 
I was looking over my credit report and I noticed these Accounts listed below are NOT assuring maximum possible accuracy according to the FCRA. Please DELETE accounts listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This Account is NOT showing maximum possible accuracy according to 15 U.S. Code 1681e ( b ), the open date, date last active is NOT accurate. - Delete Account Immeadiately for violation of 15 U.S. Code 1681e ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX hasnt updated my Credit score with their third-party XXXX XXXX, XXXX XXXX manager, XXXX. To-date its been 4 months and Ive Not received an Denial and or Approval letter. Equifax continues their XXXX XXXX acts with my Credit Report. Theyve removed my XXXX accounts and other Revolving and Installment accounts with efforts of XXXX me XXXX, XXXX XXXX living my best life. Now I told you Consumer Financial Protection Bureau that you are allowing this XXXX XXXX, but the Consumer Financial Protection Bureaus testimony is going to make a Rich man, again my Filing of Congressional inquires will make you folks talk and will also show XXXX acts by the Consumer Financial Protection Bureau internally, No one is Stopping me. I need documented evidence from you, the Consumer Financial Protection Bureau even if Congress has to get you folks to respect my Complaint, got it! XXXX XXXX XXXX hasnt Approved or Denied my XXXX Mortgage application.
Product: Debt collection

XXXXXXXX fortiva credit card, amount over XXXXmy account, company will not send me proof off account, I have tried to request this info more then three times with no response or and results..