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

Dear CFPB, I am writing to file a formal complaint against XXXX, Transunion, and XXXX regarding their failure to remove fraudulent accounts from my credit report. I have been a victim of identity fraud, as evidenced by the attached police report. I discovered the fraudulent accounts Early this Year in XX/XX/2023 when I attempted to apply to purchase a home and discovered all these fraudulent accounts. I have made multiple attempts to dispute them with the credit bureaus, but they have failed to remove them. 

I believe that the credit bureaus ' inaction is a violation of the Fair Credit Reporting Act ( FCRA ), which is designed to ensure fair and accurate reporting of consumer credit information. The FCRA mandates that credit bureaus conduct a reasonable investigation into disputed accounts and remove any information found to be inaccurate or resulting from identity theft. 

Despite my diligent efforts to dispute the fraudulent accounts directly with the credit bureaus, they have not conducted a thorough investigation nor taken appropriate action to remove the inaccurate information. This failure to act has had a significant negative impact on my creditworthiness and financial well-being. 

Attached to this complaint are the following pieces of evidence : A copy of the police report detailing the identity fraud incident. 
A comprehensive list of the fraudulent accounts still appearing on my credit report, including their account names, numbers, and dates of opening. 
Correspondence with the credit bureaus, demonstrating my previous attempts to resolve this matter without success. 
I firmly believe that my consumer rights have been violated due to the credit bureaus ' negligence and non-compliance with the FCRA. I request that the CFPB investigates this matter thoroughly and takes appropriate action against the credit bureaus to rectify the violation of my consumer rights. 

To resolve this issue, I seek the following outcomes : The immediate removal of all fraudulent accounts from my credit report. 
Correction of my credit information to reflect the accurate and untainted status of my creditworthiness. 
Any additional remedies or actions deemed necessary by the CFPB to ensure full compliance with the FCRA and protect consumers ' rights. 

I would appreciate a prompt response from the CFPB regarding the initiation of an investigation into this matter. I trust that you will take appropriate action to address this violation and help resolve my complaint. 

Thank you for your attention to this urgent matter.
Product: Credit card or prepaid card

I own a small XXXX business. After being in business for approximately 5 years Ive decided to take out my first business credit card. Upon taking out my card I did my research and narrowed my selection down to American Express Business Gold Card. They advertise NO SPENDING LIMIT. After the excitement of filing an application I was approved. I was thrilled! Once the card arrived I activated it and I was surprised to be told there is a {$1500.00} spending limit. I spoke with numerous representatives that told me I can upload cash to it to increase the spending limit. But isnt that the same as a prepaid card? WouldnXXXX then I be spending money to increase the limit, then borrowing my own money and paying it back? Each representative said the spending limit would increase over time as I made payments. However my small business does about $ XXXX $ XXXX monthly on marketing expenses, supplies, gas, and maybe car repairs. Needless to say I was XXXX to find out that American Express falsely advertises NO Spending Limit when in actuality there is one. My issue is the false advertising American Express uses to lurer people to go through the process of applying which includes a hard credit check, getting selected, and denied the business funds a small company wants/needs to perform. I also filed a complaint within American Express. The Form number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Look once and for all I am a human sending this message. I am not a credit repair company lets make that clear. I am XXXX and this is the final attempt then I will litigate this situation. I have sent my utility bill, documents to prove my address and identity. Please do not insult my intelligence please. I wont repeat myself on the dispute that was sent a few days ago I will attach the pictures below. I wont continue to accept a letter or message saying that I am credit repair company. This will go into litigation if you dare to send me any message or letter saying that I am not myself this is XXXX XXXX. The date in my letter is from XX/XX/2020, second attempt to reach Experian my first attempt was in XX/XX/2020, I didnt receive any response prior, my last was contacting the CFPB because its been more than 90 days. I sent this through CFPB to keep a record if Experian tries to lie and say they never received any letters and documents. I also have the certified mail on record if you continue to play as if you are not receiving my letters and documents. I am a real life civilian not a computer or repair company please dont send me any bogus. Fix the issue and remove in the misleading and false XXXX you violated.
Product: Credit card or prepaid card

I received a Netspend prepaid debit card as a gift in approximately XX/XX/XXXX. The card was not activated or used by me until XX/XX/XXXX. When I tried to activate it online, it told me to call Netspend because the card was expired. I called Netspend on XX/XX/XXXX and was told that the card balance, which was originally {$50.00}, had been reduced to {$8.00} due to a $ XXXX/month " inactivity fee '' which was charged for the last 7 months. 

This fee strikes me as an unfair/deceptive/abusive act or practice because it was not clear that the inactivity fee would start being charged from the time the card was purchased and given to me. Instead, any sort of inactivity fee should only apply after the end user ( myself ) has received and activated the card, at which time I would have been fully informed of the applicable fees. 

I am seeking a full refund of the {$41.00} as well as asking that the appropriate regulatory body investigate these deceptive acts and practices that Netspend is engaged in.
Product: Credit reporting or other personal consumer reports

I have attached the comprehensive documentation submission for the CFPB and its Senior Leadership to review. This documentation was submitted to Equifax to remove adverse information that was a result of XXXX XXXX. I am asking that the leadership examine all documents and request that Equifax respond to the Consumer Financial Protection Bureau ( CFPB ) to specify the information that they are unable to verify, and why adverse information is still reflected on my credit report. 

I DID NOT give Equifax nor its representatives permission to access any of my sensitive personal health records to verify XXXX XXXX status. Equifax and its representatives are disobeying laws set by Congress as they are creating barriers to keep innocent Americans stuck in negative credit reporting. Equifax has declined my request to remove adverse information that resulted from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX stating that they are unable to verify XXXX XXXX XXXX status. 

Please keep in mind that CFPB has taken regulatory and enforcement actions to strengthen the consumer reporting and furnishing systems. Consumer reporting companies failed to block or remove information related to XXXX XXXX. Examiners found that Equifax refused to honor consumer requests to block information associated with XXXX XXXX based on overbroad AND unauthorized criteria. In response to the CFPBs findings, the involved consumer reporting companies were required to take corrective actions. For example, CFPB examiners directed consumer reporting companies to revise their compliance processes to ensure that they process all XXXX XXXX block requests per the law. In XXXX, Congress passed the Debt Bondage Repair Act, forbidding consumer reporting agencies from including negative information related to XXXX XXXX XXXX XXXX in consumer reports. 

A consumer reporting agency may not make a determination based on the validity of the facts or circumstances in the consumers XXXX documentation submission. A consumer reporting agency does not have discretion to challenge a consumers determination that an adverse item of information resulted from a XXXX XXXX XXXX XXXX  in persons or XXXX XXXX under the Rule. A consumer reporting agency may only decline and rescind a block if a victim determination letter has NOT been provided. Equifax does not have the authority to dispute victim determination documents NOR conduct unauthorized verification of protected health information that a facility is not allowed to disclose under HIPAA rules and regulation. 

I should also mention that XXXX, who have followed the law set by Congress and signed by President Joe Biden, had everything completed by XX/XX/XXXX. XXXX prompt service has shown the barriers and harm that Equifax has created to not only harm me, but to others facing the same ordeal. Unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing the following account : XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX for months. It still remains and should not be. These two alledged debts have been causing havoc in my personal life. So the reponses I get from these TWO credit bureaus when I disoute it is : Verified and to provide proof. Now as I say this. I pray these bureaus and whoever else actually read. Because I know that what Im sending can not possibly be getting read. First, a CONSUMER ca n't provide proof of anything if it doesnt belong to them. So stop saying that ridiculous tired line. The COMPANY supposed to contact the consumer first then provide proof and verify a debt the consumer is disputing, before even placing on anyone 's credit report BY LAW. XXXX nor Experian is not verifying these alledged disputes. For it is easier for them to send the same written response WITHOUT a little bit of effort to investigate. Apparently these two bureaus need a new investigation team who actually works. It has also been clear to everyone that the credit bureaus even work with these companies and give them information if they do not have it to properly verify the account. Which is ILLEGAL. It 's so funny how a company have nothing about you and all of a sudden they have it. And these companies specificially told me, that the bureaus gave them date of birth, address and proper names. Wow! Amazing. Talk about breaking the law. So I have contaced my local Attorney general office, state rep and an a attorney. I have no proof to provide showing anything because it 's not mine to begin with. Neither one of these companies have never contacted me before this was placed on my credit report nor have they contacted me or sent any proof after placing these alledged debts on my credit report. I ca n't come to grips with how easy it is for a company to add a alledged debt that is not mine to my credit file. And it 's XXXX for me to get it off. These alledged debts has not been verified at all. There is no tracking info, no trace of any mail coming from these companies according to XXXX  Nothing! However this is still on my credit file. Something has to be done with these credit bureaus not doing there job. It 's no possible way. The bureaus need new investigation departments that actual follow the law and work. Its so many consumers daily disputing incorrect debt till the credit bureaus are not doing there job correctly. XXXX  is the only one that I can say is doing a job well done. Neither of these debts are on my XXXX report because the companies did not have proper demographics and never sent proof to verify debt. So it was removed in 30 days. This is the exact reason they are trying to pass a law, not to be able to sue the credit bureaus. Because the credit bureaus are breaking the law daily. But I have signed the petition not to pass this law. Why would we need a law in place if the bureaus are following protocol. Because they are not.
Product: Bank account or service

Hello I have a M & T checking account that is set up for direct deposit for child support, when the first deposit came into my account it took 1 day to be deposited into my account, now my bank is taken 3 business days instead of instant deposit, at first it was the next day, then it was the second day, now for the the second time it 's 3 business days, for instance my children 's child support said XX/XX/XXXX and now it 's XX/XX/XXXX, and no child support deposit and the ignorant thing is my bank wants to blame child support, and child support is saying it 's my bank who 's not depositing it. 
Who is holding my children 's money and why? It 's not any one 's money to make money off my children 's money, in less they 're going to give us a percentage of what they 're making on my babies money over the years. 
I 'm XXXX
Product: Credit reporting or other personal consumer reports

Chase account # XXXX is reporting as a Charge-Off on Credit Report this account was XXXX in XXXX  also the payment history is reporting inaccurate I have disputed this account several times with the credit reporting agencies each time It comeback verified from the furnisher which is chase bank Im asking please remove this account from my credit report as it harming my credit. Please remove this account in a timely fashion or I will have no but to pursuit legal action against Chase and XXXX
Product: Student loan

My XXXX 's student loan is through Nelnet and the calls are about bankruptcy and the numbers they are using are not connected to the XXXX XXXX system. They are local numbers that when calling back are disconnected. I had 4 in one day. All the telephone calls have the same voice and information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  is hired by the three major credit bureaus XXXX  XXXX and Equifax. My credit profile should mimic all accounts with all three credit bureaus. All my accounts are the same, current and all should be updated. XXXX XXXX continually refused to update both XXXX  and Equifax thus keeping my score at a low status monthly continuously For example XXXX  mbfs is update but Equifax mfbs is not and its the same account. ARE THE CREDITOR AWARE OF THE FRAUDULENT REPORTING MONTHLY. CREDITORS CREDIT REPORT AGENCIES LIKE CREDIT KARMA MUST BE ACCOUNTABLE. This practice appears to be designed to keep my score from improving. It's discriminatory and disparate treatment to update is wrong and frankly illegal and credit karma must stiop this action and be accountable. My XXXX XXXX  and XXXX XXXX account is the same it should not be treated with a different status because the two companies are different. Both have a positive and current status and should be updated positive. XXXX  XXXX  promting a lie they do not act on good intentions at least for me because this is evert month. This updating one credit bureau and holding back another is unfair. If the same accounts got like mfbs got 14 points on XXXX  then the Equifax mfbs same account should have 14 points. XXXX XXXX representative every credit bureaus is different and that's why they don't get the same points but it's the same e account. The practice is fraudulently designed to not increase my score because this has been going on for years. As a person of color this practice will hender and tarnish chances of getting ahead financially because XXXX XXXX is saying my XXXX  or XXXX XXXX on one uses is good but not on the other when both are on the same credit bureaus ie XXXX  and Equifax. I THIS IS MY 3RD ATTEMPT WITH XXXX  XXXX  TO CORRECT MY REPORTING. This complaint is the last attempt to remedy this illegal practice. I will seek legal counsel if this is not corrected.
Product: Debt collection

Credence Resource management LLC, contacted me via text message on XX/XX/XXXX regarding a " supposed {$160.00} balance with XXXX ''. They also tried to call me a few time during my work hours. 

I responded to their text message Informing them that my last XXXX account was closed back in XXXX with XXXX balance, and I thought this was a satisfactory answer for them as they only acknowledged the message and didn't text further. 

To my surprise, they posted derogatory information to my credit report which cost me a mortgage financing.
Product: Credit reporting or other personal consumer reports

please see attached supporting documentation for block of information resulting from identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to rectify several errors and fraud accounts with all 3 credit agencies and I need your assistance in getting this done. The following items does not belong to me and is reporting incorrectly on my credit file : The following account is not mine : - XXXX XXXX XXXX - {$1000.00} ; Date Opened : XX/XX/XXXX - XXXX XXXX  XXXX - {$1900.00} ; Date Opened : XX/XX/XXXX The following account are reporting incorrect late status : XXXX XXXX - {$0.00} ; Date Opened : XX/XX/XXXX ; I was never 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX XXXX - {$6400.00} ; Date Opened : XX/XX/XXXX ; I wasn't 30 or 60 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax has failed to properly investigate my disputes regarding inaccuracies in my credit report. Despite them varifying that my information was compromised in their data breach my submissions, despite my fraud alerts dating back 20 years. Equifax consistently responds within stating the account is accurate, without providing any evidence of the investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Futhermore, Equifax may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBsrecent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure that Equifax complies with federal law and provides consumers with the necessary proof of investigation into said accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never opened an account with them so that must be removed XXXX XXXX XXXX XXXX opened an account with them so that must be removed XXXXXXXX XXXX  XXXX Never XXXX an account with them so that must be removed XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have an account on Paypal since like XXXX  for buying and occasionally selling legally No chargeback, complaints or whatsoever My account was verified by them and abide the laws or policy but then XX/XX/XXXX I got an email that my account is permanently limited without any reasonsMy paypal account is very helpful as attached some subscriptions payments that can enlighten or entertain my daughter and family during this pandemic..Please see attached photos that I never had any case opened since I use paypal and no other suspicious activity..It is not fair that paypal just shut down the account without any violations.. 

Paypal email account : XXXX Name : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

We had a joint checking and savings account that were closed by Citibank.. 
We received ae email notification ( XX/XX/2024 ) that the accounts were going to be closed in two months after the notification and effectively they were closed. Following that, we received a check for the balance of the checking account on ( XX/XX/2024 ). However, the check for the balance of the savings account ( {$31000.00} ) was not sent. We called the bank several times but were only told that the account was being investigated and that no further information can be given to us, no time frame or contact person. It's been a month an a have since the account was closed.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by : 15 USC 6801- which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602a - states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 15 USC 1681 section 604a section ( 2 ) - states that " In general Subject to subsection ( c ), Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) - states that " A financial institution may not disclose nonpublic personal Information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. 

Not only that 15 USC 1681C ( a ) ( 5 ) - states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

This account is an adverse item they are reporting again without my permission which is against the law. 

15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) - states " 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. 

15 U.S. Code 1681e - states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax and XXXX are not maintaining reasonable procedures. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

Privacy Act of 1974 17 CFR 424