23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am an owner with XXXX XXXX XXXX On XX/XX/year> I issued check number XXXX in the amount of {$1700.00} to a vendor I do business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX On XX/XX/XXXX, they called enquiring about payment status. Upon checking with the bank for a copy of the check, front and back, I see the check has been altered and paid to XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX That check was electronically deposited to XXXX XXXX XXXX  XXXX I filed a police report with XXXX, XXXX  Police Dept per the request of my bank, Old National Bank in XXXX, XXXX. I completed an affidavit with Old National Bank and was told they would attempt to recover my funds with XXXX through their fraud departments. I was basically told by both banks that there is nothing they can do and I am out the money. They would not provide much detail or explain what took place. Old national Bank should stand behind me as their customer and XXXX should make things right as it was their customer that profited from the fraud. It should be up to XXXX to pursue this XXXX  or individual as they would have had to secure identification and verify when opening up an account with them. Instead, neither Old national Bank or XXXX XXXX will do anything, not even make an effort to make sure this XXXX  or individual doesn't do it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023, but I never received a response from them. The account must be validated to prevent errors in reporting my credit report. 

Please validate the listed accounts : XXXX XXXX XXXX XXXX XXXX XXXX
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 involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax 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 is the account that is reporting on my Credit Reports : XXXX XXXX-Balance $ XXXX Opened : XX/XX/2014 2014
Product: Credit card or prepaid card

On XX/XX/XXXX I was alerted by my credit montioring service that XXXX XXXX the issuer of my XXXX XXXX Credit Card had closed the account I had with them. Prior to that I was in a payment arrangement with the company. There was not any past due prior to this since the arrangement had been agreed on. After now and without notice or warning they closed the account and reported to the credit agency I thought something would change with the account or arrangement. On XX/XX/XXXX the account became past due by 30 days. After harassment from the company and no explantion of why it was closed when I was making the agreed payments, I requested a DO NOT CONTACT via a phone conversation. As of today XX/XX/2018 the bank is still charging interest on a closed account. I have not had any notice of the agreement being cancelled and the bank has broken my request for DO NOT CONTACT by calling an old number listed for me and giving out information on the account. they also threaten that if I did not call them back that day being Thursday XX/XX/2018. That they would pursue actions. The action taken my XXXX XXXX  are unlawful and decietful. I was never informed of an issue with the account or given reason why it would be closed. the arrangement I had with them had not been broken to my knowledge and they never stated I would continue to receive interest charges. they never stated they would report the account as closed at any point. Their direct actions caused my credit score to drop 20 points.
Product: Credit reporting or other personal consumer reports

As a result of ID theft/data breaches in recent years, I have the following inquiries from XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, that need to be removed from all three CRA 's. I have tried to dispute this date directly with the creditor and got no response after 90 days. 

XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX
Product: Bank account or service

IN XX/XX/1995 I TOOK OUT A CD ITF FOR MY SON. WHEN I WENT TO COLLECT THE CURRENT BANK SAID IT WAS OVER 7 YEARS TOO BAD. THEY DENIED MY CLAIM. THE BANKS INVOLVED WERE FIRST XXXX OF FLORIDA WHICH WAS BOUGHT OUT BY WAKOVIA WHICH WAS BOUGHT OUT BY WELLS FARGO. THIS OCCURED IN THE SAME LOCATION AND ONLY THE OWNERS CHANGED.I HAVE THE ORIGINAL PAPERWOOK FOR DOCUMENTATION. TREATMENT BY THE BANK WAS SHODDY AT BEST.
Product: Vehicle loan or lease

Loan was open in mid 2018. We lived in XXXX. I moved to the state of XXXX. I have been trying to get them to fax over a copy of title to the vehicle licensing of XXXX. My registration expired months ago. We have requested for them to do so. stating that a title from XXXX can not be changed to XXXX. I do not live in XXXX and I need my car title to register my car now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and Transunion credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and DELETE it immediately in my report : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2022 Balance : {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Children place has displayed wrong payment history and information on my credit report. Months have been paid and not paid on the history of the report that I have no ownership of.
Product: Credit reporting or other personal consumer reports

Consumer has also mailed complaint and judgement of default to California AG office. I have disputed listed accounts ( XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) with XXXX, Equifax and XXXX. Equifax continues to violate against consumer rights by failing to take action for consumer rights and properly handle consumer disputes. The other reporting agencies has removed these listed accounts but Equifax has refused. Consumer has disputed these accounts repeatedly and consumer reporting agency continues to not properly handle disputes according to regulation. Consumer moves to file motion of default against consumer reporting agency Equifax. Reason for this complaint is that Equifax continues to report wrongful and disputed information on consumer report. Consumer has notified Equifax of their constant violations and they have ignored consumer claims. Consumer seeks remedy in the amount of {$10000.00} and demand these accounts be removed immediately- XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX. Violations includes 15 USC 1681a ( e ) meaning of investigative consumer report, 15 USC 1681a ( d ) 2 consumer report does not include transactions and experiences between consumer and person making the report, 15 U.S. Code 6801 protection of non-public information, 15 U.S. Code 1681b consumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : In accordance with the written instructions of theconsumerto whom it relates. Equifax is in non-compliance and the CFPB must perform it's duties and obligation in taking consumer disputes seriously and holding these consumer reporting agencies accountable.
Product: Debt collection

See attatched XXXX  Dispute Regarding USAA requesting USAA VERIFY THE ACCURACY OF INFORMATION DISPUTED. see attatched United States Postal Inspector Service CRIMINAL INVESTIGATIONS SERVICE CENTER USPS DELIVERIES NOT DELIVERED. ZIP XXXX FROM XX/XX/XXXX THRU XX/XX/XXXX DATED XX/XX/XXXX. 
USAA Refuses to Provide Original Written *Signature ( Delivery Accepted Picked Up at Post Office ) or * ( Delivered Into My Hands ) per my agreement with merchants. USAA BY LAW MUST VERIFY WITH WRITTEN DOCUMENTATION USAA COLLECTS ON ID THEFT. USAA DOES NOT REPORT ACCURATE CREDIT INFORMATION.
Product: Credit reporting

I applied for a vehicle loan, The dealership said I was currently past due and had XXXX open autos. I do not I have XXXX. I went to the credit union she showed me that they were reprting correctly. I went to annual credit report.com all XXXX bureaus were reporting correctly. 
The only place reporting incorrectly is credco corelogic. Thier defense is they get thier information from credit bureaus, My point is The vehicle they are reporting is A paid out vehicle, It has been reporting correctly through thier system for years I have proof they reported it correctly before. I do Not have but XXXX open auto its through XXXX XXXX. They seem very unwilling to correct the problem and are putting it off on bureaus and Credit union. But I have proof that bureaus and credit union have it correct. 
Please help in any way you can This has directly affected my score and I have numerous inquries. I also have been turned down for an auto loan.
Product: Bank account or service

comerica bank charged abusive fees despite I have direct deposit with them, not only charge the XXXX overdraft but also a XXXX per day you have insufficient funds, plus charged an extra returned tem fee which dont know where it came from a total of XXXX only in fees because of three monthly charges and insufficient funds, what abusive practice of working people like me that live on day by day Budget. : - (
Product: Credit card

I received a letter today, XX/XX/XXXX, dated XX/XX/XXXX, that my credit card of over a year was closed on XX/XX/XXXX. No reason was given except " we can close at any time for any reason per user agreement '', however no reason was given. 
I have never been late, not ever close to my limit. 
I reached out via phone and was rudely engaged by a XXXX ( you can tell the accent ) why did the exactc same thing. " This is legal and we can do whatever we want per the agreement. '' Never a reason given.

I have been researching online and have discovered MANY others reporting the same exact thing on social media. And rumors are saying that the XXXX owned company is closing American accounts to retaliate tarriffs. I don't care about continuing with them, however I should be free from paying any further balance and should not have my credit affected by this political sabotage.
Product: Checking or savings account

Capital One held my check XXXX. No email, no phone call, no updates outside of going to XXXX and the internet to figure out whats going on. I have bills to pay and a car to work on so I have to take an XXXX and I have nothing else to rely on. I dont trust them after this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX Account Number XXXX has 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following items that needs to be remove in my credit file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

MY REPORT IS SHOWING 2 LATE OR MISSED PAYMENTS 30 DAYS LATE ON TWO SEPARATE ACCOUNTSXXXX  AND XXXX XXXX XXXX I was never late on these accounts
Product: Mortgage

I am a XXXX veteran who is tax deferred on property tax. I obtained a mortgage in XXXX. 2016, 7 months later a letter from Wells Fargo states that my new payment will be XXXX instead of XXXX due to a shortage in my escrow. I called and they said they paid my taxes of XXXX and I told them I am tax deferred and they made a mistake. They say they cant change back to my original payment until they get their money back from the town of XXXX XXXX, NJ. XXXX and XXXX they let me pay my XXXX over the phone now they wont, but they put a extension until XXXX XXXX to pay the XXXX. The town is working to give back the bank its money but they have to go threw a process which takes time. So why am I being burdened for their incompetence?
Product: Credit reporting

All of my inquiries were removed on my transunion report, then they were put back on. sent in multiple disputes to the credit bureau ( transunion ) but they will not remove them.
Product: Debt collection

I keep receiving NEW letters of a debt that has been resolved and or discharged ( see complaint XXXX CFPB ) This original debt was caused by insurance not billed, this company XXXX XXXX XXXX XXXX XXXX has closed their doors years ago, there are no invoices, billings that XXXX XXXX XXXX XXXX can provide me to prove otherwise as indicated by the many phone calls placed to them with customer service and supervisors assistance. They keep sending me these letters and have placed this debt on my credit report AGAIN.. they just keep selling this to debt collections and these people will not reason or send documentation of this debt whatsoever. The last company was XXXX XXXX XXXX. and they were contacted by you to close and or comply and they closed their file and removed it from my credit bureau. They call me non stop and this needs to AGAIN stop please.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Credit Bureau XXXX I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to XXXX XXXX XXXX A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 



List : Capital One, Account Number last XXXX XXXX, XXXX, XXXX AND XXXX XXXX AND XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of XXXX XXXX XXXX. XXXX XXXX XXXX has caused severe stress and anxiety due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


Best Regards XXXX XXXX
Product: Debt collection

I.C Systems is attempting to collect a debt on an account that I have no knowledge of & that is not mine. I also notice that the balance information for this account keeps fluctuating on my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX XX/XX/XXXX Re : Unauthorized Hard Inquiry Dispute I am writing to dispute an unauthorized hard inquiry that appears on my credit report. 
The inquiry in question was made by XXXX on XX/XX/XXXX. 

It does not meet the permissible purpose criteria outlined in the Fair Credit Reporting Act ( FCRA ) under Section 604 ( 15 U.S.C. 1681b ).

As per the FCRA, only those with a permissible purpose may access my credit report, and I have not provided consent for this inquiry, nor does it fall under any permissible purpose. Therefore, I request that you investigate this matter and remove the unauthorized inquiry from my credit report. 

Please confirm in writing that the inquiry has been removed. 

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

Yes I have and been going backwards with them since 2016 they are still putting this on my credit -- - [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Consumer Reporting Agency [ Experian or XXXX Dear [ Experian or XXXX ], I am writing to formally dispute the inaccurate information that appears on my credit report under my name, [ XXXX XXXX, XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is inaccurate or incomplete. 

Upon reviewing my credit report, I discovered that the entry for [ specific account related to XXXX, provide account number if available ] is incorrect. Specifically, [ briefly explain the inaccuracy, e.g., " the reported amount is {$14000.00} when I owe {$0.00} dollars This misinformation is negatively impacting my ability to obtain credit and housing. '' ] Under Section 609 of the FCRA, I am entitled to request a review of this data and receive accurate credit reporting. I am requesting that you investigate this matter and provide me with a written response regarding the outcome of your investigation. 

Please consider this letter a formal request for correction of the inaccurate information, as outlined in Section 611 of the FCRA : 1. Investigate the disputed information.

2. Correct or delete any inaccurate, incomplete, or unverifiable information within 30 days.

3. Provide me with written confirmation of the results of your investigation.

Please conduct this investigation as required under the FCRA, ensuring a full resolution that protects my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX --
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint and dispute regarding fraudulent and illegal reporting on my EXPERIAN, TRANSUNION, EQUIFAX, AND XXXX credit report. I am a victim of identity theft, and the following accounts were opened without my knowledge or authorization. Additionally, I am filing a complaint against XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for illegallyReporting fraudulent accounts attached to identity theft, thereby these are associated with identity theft. This practice is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Legal Grounds : Section 605B ( 15 U.S.C. 1681c-2 ) Requires the blocking of fraudulent accounts within 4 business days. 15 U.S.C. 1681i Mandates a reinvestigation of disputed accounts. 15 U.S.C. 1681n Holds reporting agencies and creditors liable for willful non-compliance, including punitive damages. 15 U.S.C. 1692 Prohibits unfair practices, including re-aging debts to manipulate credit reporting timelines. Disputed Accounts : XXXX XXXX XXXX XXXX XXXX # : XXXX : Date Opened : XX/XX/XXXX Balance : { {$22000.00} } Violation : Reporting fraudulent accounts attached to identity theft. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Balance : { {$0.00} } Violation : Violations and Demands : EXPERIAN, EQUIFAX, XXXX, AND TRANSUNION is illegally reporting negative information from fraudulent accounts, which violates the FCRA. This is especially concerning given Experians and Equifax ongoing legal challenges for inaccurate credit reporting practices. I demand the immediate removal of all fraudulent accounts within 4 business days. Under 15 U.S.C. 1681i, I request a full reinvestigation of each disputed account due to fraud and inaccuracies. Under 15 U.S.C. 1681n, I am notifying all parties involved that continued non-compliance will result in legal action, including claims for statutory and punitive damages. Cease and Desist Notice : Under 15 U.S.C. 1692, I am issuing a Cease and Desist notice to XXXX XXXX XXXX XXXX XXXX # : XXXX : Date Opened : XX/XX/XXXX Balance : { {$22000.00} } and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Balance : { {$0.00} }. All communication and collection efforts regarding these fraudulent accounts must cease immediately. Any continued contact will be considered harassment and a direct violation of the FDCPA. Federal Trade Commission ( FTC ) Report : This dispute is supported by an official Identity Theft Report filed with the FTC, which provides legal proof of fraud under Section 605B. This report is enclosed for your review and further validates the necessity for immediate removal of these fraudulent accounts.FTC Report number XXXX. TransUnion has already followed the laws congresses put in place and removed XXXX XXXX XXXX account associated with identity theft. Ive submitted dispute letters, drivers license, social security card, proof of address ( utility bill ), and FTC Report.
Product: Checking or savings account

I'm writing to file a complaint against Navy Federal credit Union, In regards of multiple overdraft fees being occurred leading to a closure of my checking account while while I was XXXX even though my debit card was blocked and did not have any money on it as I have changed bank accounts. Despite not having money in my bank account I was charged overdraft fees multiple times occurring over {$250.00} in overdraft fees while my account was locked.