23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off XX/XX/2022, I told the credit bureaus to investigate every piece of information the accounts I have listed below. Also, I have attached a copy of the letter I sent out, and here is the tracking information through USPS : Experian : XXXX XXXX : XXXX XXXX : XXXX According to Fair Credit Reporting Act, the term Investigate Consumer Report means a consumer report, or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, friends, or associates of the consumer reported on, or with others with whom he is acquainted or may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate. Also, according to 15 USC 1681, everything has to be 100 % accurate. 

These are clear violations of my federally protected rights. 

Accounts Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these are accounts were mine.. 

Also, I have some personal information that needs to be addressed as well. Can you please investigate and remove these names as well? It should only be as listed at the top of this letter. 

Wrong Names : XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX Wrong Addresse : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax falsely removed bankruptcy information on my credit report. This resulted in a closed account that was included in my bankruptcy showing up on my credit report in open status. Which in turn has changed my overall on time payment history from 100 % on time to 44 %. I filed a dispute on XX/XX/XXXX via phone call with Equifax. I also called the loan company XXXX XXXX XXXX that was listed as an open account that was included in my bankruptcy for discharge on XX/XX/XXXX via phone to ask if they had record that this debt was included in my bankruptcy. At which point they told me that yes the status of this account was included in my bankruptcy on their end. My bankruptcy was discharged on XX/XX/XXXX with the United States Bankruptcy Court and is a public record. Equifax has not added the bankruptcy back to my credit report and I fear that when they do it will cause my credit to decrease drastically again. I have worked so hard to fix my credit and this has been a nightmare. This should not have been taken off my credit report at all. Their investigation has since closed and the documents they have sent make absolutely no sense at all. No changes made and no updates.
Product: Credit card or prepaid card

I received a debit card from US Bank that I did not apply for. Not only did I not apply for it, it came in a last name I have not had for almost 20 years. The last name is no longer used as I divorced. I called US Bank to attempt to report this situation. I was asked my social security number, my date of birth, the debit card number received and my legitimate credit card number I have with US Bank. When I was asked my login for my credit card, that is where I drew the line. I should have stopped giving the other info sooner, but I figured it was my credit card company for about 12 years, they must be asking for legitimate reasons. I then asked to speak to a supervisor. I was told no supervisor was available, but when one was, I would receive a return call. I never received a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA is reporting my loan to all 3 credit bureaus as Closed Charge-Off with a balance of {$11000.00}. I paid my account in full and on time from XX/XX/2013 until the end ... also the # of months is showing 81 my loan was for 60 months not 81.
Product: Prepaid card

The company in question is Money Network Financial , LLC. 

Around XX/XX/year>, I received the card used for receiving California EDD 's benefit payments. Along with the card were information relating to the card. Specifically, the transaction limits for ACH transfers to domestic banks is described as $ XXXX per transaction, $ XXXX per day, and $ XXXX per month. The attached picture shows the transaction limits table that was sent with the card and other disclosures. The same disclosure is also provided online : XXXX XXXX XXXXXXXX % XXXX These limits appear to have been false information. 

On XX/XX/year>, I initiated a transfer for {$500.00} to my personal bank account ( with XXXX XXXX, XXXX ). This transfer was successfully completed as of XX/XX/year>. 

On XX/XX/year>, I attempted to initiate a transfer for {$6400.00}, this amount comprising the then-remaining balance of my account. However, the transfer could not be completed, with the following error message : " The amount entered is greater than the maximum transfer amount ''. 

After a few tries and researching, believing this to be the result of reaching some transaction threshold, I was able to initiate a transfer for {$4500.00} instead. I then attempted a transfer for {$500.00}, and the transfer failed with the error message " Daily limit for Domestic transfer exceeded ''. However, I was able to complete an additional transfer for {$490.00} instead. 

It appears that the daily transaction limit for domestic transfers is actually $ XXXX, and not $ XXXX as described in the disclosures. 

The lower limit on its own is problematic because the EDD has significant delays in approvals and thus consumers can quickly accrue balances much greater than a $ XXXX, and so now the consumers must wait several days to move funds to their own accounts. These are consumers at the most vulnerable, out of work and/or disabled and counting on CA benefits. Also, these prepaid card servicers have always had issues with fraudeach day that a consumer is forced to leave funds in these accounts rather than moving funds to their own trusted bank accounts expose them to the dangers of these fraudulent scenarios. 

The false disclosure of a higher $ XXXX limit is also problematic. This led me to wait to initiate the larger transfer, believing it could all be completed in one fell swoop at a later time. I'm now forced to split the transfers over several days. It is sometimes necessary to move funds to another account as quickly as possible, as not all financial obligations can be satisfied with cash or a debit transaction.

I shouldn't have to risk getting tagged for trying to test transaction limits, just because I'm relying on the disclosure and trying to move my own money.
Product: Debt collection

I see some fraudulent accounts in my report. please remove them as soon as possible. Thank you : XXXX XXXX  acct # XXXX date opened XX/XX/year> XXXX XXXX XXXX XXXX acct # XXXX date opened XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries that are more than ten years old, along with a sprint collection in the amount of {$320.00}. These companies fraudulently solicited in a manner that I was approved for credit, but declined approval. 

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

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX SSN : XXXX XXXX XXXX XXXX XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX Provide Physical Verification ( Unverified Account ) XXXX XXXX XXXX Provide Physical Verification ( Unverified Account ) XXXX XXXX Provide Physical Verification ( Unverified Account ) XXXX XXXXXXXX Provide Physical Verification ( Unverified Account ) XXXX XXXX Provide Physical Verification ( Unverified Account ) XXXX XXXXXXXX Provide Physical Verification ( Unverified Account ) XXXX XXXXXXXX Provide Physical Verification ( Unverified Account ) XXXX XXXX XXXX Provide Physical Verification ( Unverified Account XXXX XXXX XXXX XXXX Provide Physical Verification ( Unverified Account ) * Please remove all non-account holding inquiries over 30 days old. 
* Please add a XXXX XXXX to my credit file. 

Thank You, XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/year> spoke with customer service for both checking/savings and credit cards no account in either system was associated woth my social securoty number. Both refused to allow me to speak to a supervisor.
Product: Credit reporting or other personal consumer reports

This is more than XXXX XXXX XXXX. Originally, I never made any of these alleged charges. I went into a XXXX and paid for this at a register, took a picture of the receipt for my records. It was never reflected. XXXX years ago i sent this to them and they advised that they closed the account. However, they put it on my credit report as closed and an amountdue. They had since Charged off the account and put it on my credit report. I asked that it be reflected correctly but it has never changed. I want this removed from my report as it is inaccurate ( for XXXX i paid it, # XXXX i never made these charges, XXXX its been over XXXX years, XXXX they charged it off- it shouldnt show a balance due ). 
I finally thought fine i will just pay it. when i called XXXX they advised that there is No account there and I couldnt pay it as there is nothing to pay. 
I literally am being haunted by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$4300.00} XXXX XXXX {$250.00} XXXX/XXXX XXXX {$48.00} XXXX XXXX XXXX XXXX {$45.00} XXXX XXXX XXXX {$960.00} XXXX XXXX {$3800.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$2300.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a collection on my file that is not mine. I have been disputing this for months with the bureaus and have received 0 information on this account and no validation or removal. I have filed an Identity Theft report for this account. I do not recognize the company XXXX XXXX XXXX. I have never had an account with them as I do not know what they even offer. 
Please remove this immediately as it is severely affecting my credit file and caused personal distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letters I sent out and here is the Tracking # XXXX, XXXX, XXXX According to the FRCA The term '' investigative consumer report '' means a consumer report or portion thereof in which information a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to FRCA 15 USC 1681 everything have to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy 15 U.S.C. 1681i In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. According to the law stated above, the account with XXXXXXXX XXXX XXXX XXXX should be deleted due to the account not being mine. I have requested on multiple occasions, most recently of XX/XX/2023 that a copy of the original contract please be submitted to me within the guidelines listed above. XXXXXXXX XXXX XXXX XXXX  has failed to do this.
Product: Credit reporting or other personal consumer reports

This account has been settled and is too old to be on my credit report. XXXX XXXX personal loan was opened in XXXX  2017 and was paid off in 2023. Also the charge off status is incorrect and as of XXXX  2024 should be removed from my credit report. 

XXXX XXXX XXXX XXXX was paid off in full as the vehicle was XXXX  and the insurance company paid it off, Ive never been late on any payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company checkr had inaccurate information on my backround report that was completed XX/XX/XXXX. I disputed this on XX/XX/XXXX And on XX/XX/XXXX the completed their investigation and removed some information and sent me an updated copy. On XX/XX/XXXX my backround report was requested for another company and I received a copy of their report and nothing was removed. The same original disputed information was Still on there. This inaccuracy is preventing employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I TIED TO BUY CAR AT XXXX, THEY GOT APPROVAL FROM XX/XX/XXXX XXXX AUTO FINANCE WHICH ENDED A A LIE. THEY ALSO, PULLED MANY OTHERS I DID NT AGREED TO. SOLF PULLS ONLY
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning, and I have no idea why. I checked my credit report like I usually do, but this time, there were unexpected discrepancies. I even refreshed the browser thinking it might be a glitch, but it wasn't. The unauthorized inquiries remained. I need the documents I've sent to be reviewed thoroughly so this issue can be permanently resolved, as I can't keep dealing with this.
Product: Mortgage

Applied home loan there was incorrect item on my credit report loan officer preapproved loan stating this error not an issue as we had proof of error. Made offer on home XXXX XXXX asked officer on phone and email if loan was good to go she said yes several times. Gave landlord notice. Come mid XXXX XXXX weeks before close. Officer states that error is an issue get a lawyer. I scrambled to get it fixed on my report. They ask seller for extension but said she might not wait till report is fixed. I wrote email saying why did n't you as an expert forsee this would be an issue. Could have been fixed in XXXX why did you say it 's all good go home shopping.? I paid appraisal but asked to put it on hold they said too bad too late.. The credit report was fixed XXXX XXXX with a close now XXXX XXXX. They claimed even though we were good to close needed time to fund they asked seller to extend possibly few days to 1 week. Seller refused cancelled contract. I was totally misled misinformed due to loan officer negligence lack of knowledge she even told me back in XXXX she ran my report past a underwriter but later admitted it was just score and income approved. As someone who does this for a living she should have stated this needs to be fixed before we proceed. Not it 's all good it 's not an issue. Go home shopping your preapproved. She then sent me unprofessional email saying I hurt her feelings after stating I was misled costing me stress loss of my home and XXXX dollars on appraisal. And I should n't point a finger at her. I want my XXXX refunded. ASAP.
Product: Checking or savings account

On Saturday XXXX XXXX, XXXX I received an email from Wells Fargo stating that my mother 's Qualified Income Trust account, for which I am the trustee, was closed with no explanation why. I had never received an email, written letter or phone call of notification that the account would be closed. In their own instruction manual that the bank gives you when opening an account, it states " Your account becomes dormant if you do not initiate an account-related activity for 12 months for a checking account ''. I was told by the banker on XXXX/XXXX/XXXX that their policy had changed a few months ago stating that an account can be closed after 2 months of inactivity, however, when I had to open a new account, and handed the same brochure, it does not reflect this change. 

I opened the account on XXXX XXXX, XXXX with a cash deposit of {$3300.00}. Subsequently, on XXXX XXXX, XXXX I made a deposit for {$2700.00}. Subsequent to that there have been direct deposits and auto debits. 
XXXX/XXXX/XXXX -Bill Pay of {$3200.00} XXXX-Direct Deposit of {$500.00} XX/XX/XXXX-Transfer from another bank of {$2700.00} XXXX/XXXX/XXXX -Auto Debit of {$3300.00} XXXX/XXXX/XXXX -Direct Deposit of {$500.00} XXXX/XXXX/XXXX -Direct Deposit of {$2700.00} XXXX/XXXX/XXXX - Auto Debit of {$50.00} XXXX/XXXX/XXXX -Auto Debit of {$3200.00} XXXX/XXXX/XXXX CLOSEOUT - NON-INTEREST BEARING {$0.00} Despite all of the above activity, including 2 teller transactions the account was unilaterally closed with no notice by Wells Fargo. By virtue of this account being closed, I, as trustee for my XXXX year old wheelchair bound mother, Wells Fargo may have allowed my mother to be put in a position of violating XXXX rules. 

I then went immediately to the branch and asked for an explanation as to why the account was closed if Wells Fargo 's written policy ( as of XXXX XXXX, XXXX ) states that checking accounts with activity will not be closed unless dormant for at least 12 months. I dealt with a private banker at Wells Fargo who informed me that he did not understand why this was closed. He then called several people on supervisory levels at Wells Fargo who could not or would not provide a logical answer why the account was closed. One statement was that it was closed because there was no direct teller transactions within 60 days. I then asked for that statement in writing and they refused to provide any written explanation for closure of this account in. As of this date, XXXX/XXXX/XXXX, pension fund checks have been initiated for direct deposit into this closed account for XXXX XXXX, XXXX. I find myself in a situation that payment will not be available in a timely fashion to my mother 's long term care facility. Wells Fargo forced me to open a new account for future transactions and stated they would " try '' to redirect the pre-initiated funds into this new account with no guarantee. 
With no written or logical explanation available, I am hard pressed to believe that this was a legitimate or even possibly a legal closing of my mother 's account by Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are in violation of the FCRA. They are continuing to inaccurately report account # XXXX ( XXXX XXXX XXXX XXXX ) on my Consumer reports. The date last reported was not updated and still reports as XX/XX/2022 on XXXX and XX/XX/2022 on XXXX. This means they did NOT investigate this account even though they stated it was " verified " as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to inform you that I want to remove these fraudulent items from my file. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying 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 failed to do so, they are obliged to remove the items which are erroneous and unverified. Kindly remove the following items as soon as possible : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.