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

My cousin closed her bank account and received a check with her remaining funds which was {$6500.00} she didnt have another bank to deposit the funds so she asked me could I third party deposit her check into my chase account after talking to a customer service representative from my bank also a actual teller at my bank they told me us we can deposit her check into my account they even told me the proper way to endorse the check she we both signed the check and deposited it into my account they said it will be a 7 day hold on the check just to make sure it was valid..so after the 7 days the hold was removed and the funds was available in my account so me and my cousin with both of ID went into the bank to get the funds out the lady at the teller said its a problem with my account and its restricted so we called the number on the back of my card and they said yes your account is restricted and they need a number to verify that my cousin gave me permission to deposit the check I gave the representative my cousin number and she said they that they cant verify that number is in my cousin name and that my account will stay restricted until we find a number thats linked to her name she had that number 5 years and its in her name. They never said any of this before we deposit the check they said yes they accept third party endorsement checks we even tried to go in the bank with both of our identification to verify we make the deposit they still said they need a number to verify that its her even tho we was in there face with both IDs we really need help I feel like we was discriminated and I never heard of this in my life. I need my account unrestricted so my cousin can get her funds she have bills and 3 kids. Now my account is restricted and I cant login my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my consumer report and found that EXPERIAN, XXXX and XXXX is is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. The United States Bankruptcy XXXX XXXX of Delaware has verified that they are not and do not furnish bankruptcies to consumer reports. Furthermore, I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to Experian, XXXX and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). My consumer report does not include a report containing information solely as to transactions or experiences which means the bankruptcy furnished is a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). EXPERIAN, XXXX, and XXXX has caused harm by furnishing inaccurate information on my consumer report. According to XXXX XXXX XXXX ( p ) the consumer reporting agencies do not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. This transaction was not initiated by me which is a violation of 15 USC 1681b ( c ) and 15 USC 1681b ( 2 ). Without lawful authority, by using means of my identification the consumer reporting agencies are committing aggravated identity pursuant to 15 USC 1681a ( q ) ( 3 ). Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXXXXXX XX/XX/2018 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 C
OMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Checking or savings account

My maiden name is XXXX. i was married in XX/XX/XXXX. I moved to my husbands home in XXXX and opened another account here. My account was never locked until i attempted transfer my money into my new account. Now they wont allow me to access any of my money. They say I have to prove my identity by coming to their branch over 65 miles  away even though i have verified my id by correctly answering all their questions. They claim my account was locked since XX/XX/XXXX but i have had full access to all my funds including ATM access up until I attempted to change banks. i offered to provide my ID via email which is acceptable for most government agencies. This bank is refusing to give me {$3300.00}. I want my money!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. Iam requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with MIDLAND CREDIT with account XXXX has been reporting derogatory in my credit report however, payment history shows that I paid on time. There is no payment report in my XXXX, I would like to request for complete payment on this. Also, the balance says that I have zero balance. I'm not sure if the Bureaus have conducted a thorough investigation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

My mortgage was with XXXX and was sold to Flagstar. I tried to process my first payment with them and typed in the wrong account number which made my payment not go through. I never received an email or phone call saying I missed a payment and when I went to go pay the next months mortgage payment it said I had late fees and wasn't paid. I called Flagstar and the customer service representative was very rude to me and asked me " If I would like to keep my home? '' and ; " just wanted to know if you wanted to keep my home? ". When I asked about the late fee, he stated " it wasn't a late fee but an insufficient funds fee. '' Federal Law states that I have a 60day grace period before late fees are charged.

I don't believe I should be charged any additional fee 's regardless of what they wish to call them to subvert the law given that I never received notice of the missed payment and I am attempting to fulfill my payment obligations in full.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA XXXX05B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed identity theft report reference # XXXX and sent it with disbute letter to all bureaus of fraud that I seen, XXXX XXXX XXXX, XXXX. XXXX, child support accounts XXXX, XXXX, XXXX, XXXX. I sent to bureaus XXXX XXXX Ive been trying to contact them to no one telling me much of anything please help me dispute this fraud of my credit report
Product: Debt collection

I have been receiving calls from XXXX with message from XXXX XXXX. I returned the call today XX/XX/XXXX asked to speak with Mr. XXXX, he was busy so XXXX XXXX continued with the call. He stated that they are confirming a court appearance for me on XX/XX/XXXX regarding charges on claim with Check into Cash. I asked my intent to pay, make payment arrangements etc. I asked if they have sent me a validation or if they could do so as I was not familiar with this creditor/debt. He immediately hung up on me.
Product: Credit reporting or other personal consumer reports

Im not sure if its because u are shutting down but Experian is breaking the law violating my rights as well as violating federal law and is aware of it. They just think there is no one to answer to anymore. Disputed items comes back verified 2 collections that arent even mine. The other two agencies are closing them. But not Experian. It doesnt matter that they arent mine or that dates were off 50 years My rights have been violated and federal laws broken. This collection agency has never reached out to not even to this day 3 months implemented law 2021 states no attempt to contact no report period. Experian says they dont have to follow. 2nd I have the right to request proof of this debt I I repeatedly asked for an agreement or contract with my signature agreeing to pay for these two medical collections. My request has been ignored multiple times by Experian only to validate its been 2 months that I have asked for this through Experian. Federal law dictates 30 to 45 days or delete. Experian is saying they dont have to follow that law. Experian seems to verify this at any cost no matter what law they have to violate. Thats 3 laws anyone of them should have these two accounts deleted. After this if the CFPB really has no authority I will have at least coplain and get justice through the better business bureau. This is complete insanity this company is aloud to be in business while violating federal and consumer law. We will see about this they cant do anything else to me. Im also going to find someone interested in taking this case. I would love to know why Experian thinks they dont have to follow the law. lawyer for suit against strictly Experian. There only job is to report accurately and fairly they have failed miserably
Product: Debt collection

I have received XXXX phone calls in XXXX hours from this company. This is harassment, they even called me XXXX within XXXX minutes.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( 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 have already sent mail out and it has been over XXXX  DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to investigate the accounts in my last dispute. They have done little to provide any evidence to support their verification. The burden of proof is not on the consumer. Experian has not provided a method of verification and has simply ignored my dispute and asked me to contact the creditor directly. I have in fact, on several occasions, contacted each creditor regarding my disputes and have not received a response or have received very little information that does not support the inaccurate reportings. 

This willful non-compliance is unacceptable and these disputes need to be treated with detailed attention. The XXXX XXXX verification method is not adequate. These listings need to be manually reviewed and either updated or removed. Both Experian and the creditor fail to prove or provide substantial or convincing evidence to support their inadequate reportings. If someone manually reviewed these disputes rather than depend on software to match stored data, these listings would have been removed or updated properly after my very first dispute.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am not filing this claim in the 3rd person. I am a living man whose privacy rights have been violated. The accounts listed below have been reporting to my personal report and has had a negative effect on my life, extremely reducing the ability obtaining any credit in my name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I Have asked these companies to validate and send prof that these accounts belong to me with contracts I signed in wet signatures. So far they have not done so. the consumer report shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the report relates according to 15 USC 1681 ( e ) ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adjusters told me when I paid this in full they would delete from my credit report. It has been months now and still showing on my credit report. Did they just lie to me about this just to get it paid. I up held my end and paid on the faith that they would delete this from credit report.
Product: Credit card

I have a CITI issued prepaid visa that was issued XX/XX/XXXX. I was unable to activate it in the 4 month window. When I called today XXXX agent ID XXXX advised they seized all funds and account {$0.00}. The terms and conditions advise of a {$3.00} per month maintenance fee but has no reference to the card company seizing entire balance. 
XXXX Visa Card was issued with balance {$120.00} now {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The law stipulates that you must investigate withing XXXX of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 
I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 
Item # : Reason for Correction : XXXXXXXX XXXX  XXXX This account was opened fraudulently XX/XX/XXXX XXXX XXXX XXXXXXXX This account was opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX This account was opened fraudulently XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX This account was opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX This account was opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX This account was opened fraudulently XX/XX/XXXXXXXX XXXX XXXX  This account was opened fraudulently XXXX XX/XX/XXXX According to the provisions of the Fair Credit Reporting Act 661 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit
Product: Debt collection

XXXX is claiming that I owe them {$1200.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a paym
ent 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

These accounts were opened by me and remained in good standing for years until my identity was stolen by someone with access to all my information in XXXX. I have already spoken to Chase XXXX XXXX XXXX MANY MANY times, i've sent in police reports, emails, calls, anything you can think of. I'M GETTING SICK AND TIRED OF HAVING MY FINANCIAL LIBERTY STRIPPED FROM ME BECAUSE OF SOME IDIOTS THAT HIJACKED MY LIFE 4 YEARS AGO. I'M TRYING TO PURCHASE A HOUSE SOON AND I HAVE ZERO CHANCE DUE TO THESE NEGATIVE ACCOUNTS STILL REPORTING TO MY CREDIT EVEN AFTER SENDING IN ALL THE REQUIRED INFO THEY ASKED OF ME. THESE ACCOUNTS WERE REMOVED AT SOME POINT FROM MY CREDIT REPORT MONTHS AGO AND JUST GOT UPDATED AGAIN AT THE BEGINNING OF XXXX AND HAVE RETURNED.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Stonington Ct. 
Virginia XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Inquiry on Credit Report To Whom It May Concern, I am writing to formally dispute and request the removal of an inaccurate credit inquiry listed on my credit report. Upon reviewing my credit report dated XXXX XX/XX/2023 I discovered a credit inquiry that I did not authorize or recognize. The details of the inquiry are as follows : Creditor Name : ALLY FINANCIAL Inquiry XXXX Inquiry Type : Hard Inquiry I have not applied for any credit or authorized any entity to make an inquiry into my credit history on the mentioned date. This inquiry has adversely affected my credit score and could potentially impact my ability to secure credit in the future. 
I request an immediate investigation into this matter and the removal of the inaccurate inquiry from my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus are obligated to investigate and correct any errors within a reasonable timeframe. 
Enclosed with this letter are copies of supporting documents that demonstrate the inaccuracy of the credit inquiry, including any proof of identity, such as a driver 's license or passport. 
I kindly request that you provide me with a written confirmation of the investigation results and any actions taken to remove the erroneous inquiry from my credit report. 
Please acknowledge receipt of this complaint within 30 days and initiate the investigation process promptly. 
Thank you for your attention to this matter. 
Sincerely XXXX XXXX XXXX