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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX Reference # XXXX XXXX  XXXX Bankruptcy Federal Reference # XXXX XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$290.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX  XXXX never late XXXX XXXX XXXX XXXXXXXX not mine XXXX XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX  XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. 
I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. 
The account is through XXXX XXXX XXXXXXXX XXXX.
Product: Checking or savings account

XX/XX/XXXX, XXXX - {$12.00} monthly maintenance fee XX/XX/XXXX, XXXX {$12.00} monthly maintenance fee XX/XX/year> - {$12.00} monthly maintenance fee They did, issue a credit for XXXX $ however I'm wanting credit for XXXX. And to prevent future charges for monthly maintenance fee. Since I have direct deposit set up.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 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 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, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing this as a deeply upset and disgruntled consumer. Your actions, or lack thereof, have significantly and negatively impacted me, jeopardizing my ability to maintain excellent credit. Despite my earlier disputes, there response claimed the accounts in question were verified, which is entirely unacceptable. 

Recent investigations and lawsuits against XXXX clearly show a pattern of violating the Fair Credit Reporting Act ( FCRA ) and neglecting proper dispute handling. Specifically, XXXX has : Failed to thoroughly investigate consumer disputes : XXXX process limits consumers from fully describing their disputes and often ignores relevant information submitted by consumers. Furnishers responses were given undue deference, even when contradictory or nonsensical, resulting in inconsistent and incomplete resolutions. 
Reintroduced previously deleted errors : XXXX failed to prevent previously removed errors from reappearing on credit reports, demonstrating a lack of proper detection systems. This forces consumers, like myself, to repeatedly dispute the same inaccuracies. 
Failed to block identity-theft-related information : XXXX knowingly reported credit information resulting from identity theft, despite its obligation to block such data.

The Consumer Financial Protection Bureau ( CFPB ) has already found that XXXX  flawed processes and ineffective systems harmed consumers, violating FCRA requirements and the CFPAs prohibitions against unfair, deceptive, or abusive acts. It is evident that these practices have severely limited consumers ability to dispute and correct inaccuracies, further compounding the harm. 

Enforcement Actions taken against XXXX include : 1. Mandating compliance with federal law regarding credit reporting data. 
2. Imposing a {$15.00} XXXX penalty for their misconduct. 
Given this precedent, I demand immediate action to remedy your negligence in my case : 1. Immediate deletion of all disputed accounts and a full resolution of inaccuracies on my credit report.

2. Restoration of my credit score to XXXX or higher, reflecting the absence of any erroneous or fraudulent information. 
3. Acknowledgment of this complaint and a detailed timeline for resolving these issues, no later than [ insert deadline, e.g., 7 business days ].

Failure to act swiftly and appropriately will leave me with no choice but to escalate this matter further, including filing additional complaints with the CFPB, Federal Trade Commission, and legal authorities. The level of disregard for consumer rights shown here is beyond unacceptable, and I will not stand for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, me and my husband placed a credit report freeze online, on my credit files with XXXX & XXXX XXXX. No problem. Equifax did not do it, and asked me to call XXXX. On XX/XX/XXXX, we tried again online. Again their website told me to call. We called and spoke to their call center, sounded like an XXXX girl. She refused and said I had to send in a copy of my social security card and drivers license, to verify my identity. I explained that I was not comfortable with that, and the other credit agencies had no problem. That there was enough information in my credit report to substantiate, who I was. She insisted, and refused. We finally asked for a Supervisor. Took about 7 minutes to get a, Supervisor, an XXXX  girl this time. Refuse, refuse, we did not get anywhere. We even went as far as to give her information on my credit reports from XXXX  & XXXX XXXX, and get this she said she could not see my report. By the way, we also could not get their FREE credit report, without sending documents. So how could she know, I was not who I said I was? Didnt make sense. I asked to file a complaint, and now the system was down, and then she was told, in order to file a complaint, I had to send them the documents they requested. They had us going around in circles. I understand keeping records private, but I was not asking for records, or information. I was asking for a freeze on my credit, because Ive personally seen what identity theft has done to others. Equifax was breached, and they did not tell people, they tried to hide it, and now, they WONT help  you ...
Product: Credit card or prepaid card

Like many Americans, my family and I have been impacted by the worldwide COVID-19 pandemic. We lost about two-thirds of our income, and as a consequence, we are struggling financially. I tried to stick it out for as possible and pay Discover Financial whatever they wanted, every month. However, I can no longer pay an absurd amount of money for a {$1500.00} credit card. Discover Financial jacked up my interest rate to 24.49 % for no good reason, except to make more money off me. I contacted Discover Financial and spoke to customer service and told them that I would like to pay back what I owed them. However, I need a little bit of help during these troubling times. Their customer service representative categorically refused to work with me and offer any COVID-19 related assistance, even when I asked specifically for it. I was told that it is not available to me. I was also told that the only thing she would do is allow me to pay 16.99 % interest for 12 months. The customer service representative told me that all customers get the same " fair '' treatment. That is clearly a lie since I know other people who closed their Discover accounts and got 0 % APR for 60 months to pay off their balances. I was also told that if I don't make a payment immediately, Discover Financial will report my account as late. I have included a screenshot of the offer from within my Discover Financial account. If you look closely, there is no offer to close the account with a 0 % APR or anything close to it. I strongly believe that this is because of the relatively small amount that I owe, {$1500.00}, it is more profitable for Discover to keep my account open and keep me paying. During an economic crisis and a global pandemic, a good bank does its best to help its customers pay back what they owe. In my case, Discover Financial is not interested in helping me pay them back, but rather they want to profit from me for as long as possible by keeping my account open and me paying sky-high interest rates for as long as possible. This needs to stop immediately as I am no longer able to pay what they want me to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7 15 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was Lending Club. Depending on which credit bureau you look at, Lending Club reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau. 

Lending Club sold the alleged delinquent debt account to XXXX XXXX XXXX. 

In XX/XX/XXXX, I paid XXXX XXXX XXXX for the full amount that I allegedly owed : {$16000.00}. Both Lending Club and XXXX XXXX XXXX assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent. 

Lending Club did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, XXXX XXXX XXXX refuses to update Lending Club with this information or forward them the letter proving that I paid off the account in full. 

I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report.

In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''.

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them?

Please provide me with the name of that individual, their business address, and telephone number.

Black 's Law Dictionary, 9th Edition, 2009, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the accounts ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1s hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.

Name of Account : Account Number : Provide Physical Proof of Verification
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report dispute request was submitted to TransUnion VIA XXXX XXXX on XX/XX/2018. 
Transunion file number : XXXX. 
I got an update from XXXX XXXX to inform me the dispute request is currently being processed by TransUnion. They expect to complete their investigation within 30 days. 
As of XX/XX/2018, I have not received an update from neither TransUnion or XXXX XXXX. 
According to the FCRA, If CRAs dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. 
FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )
Product: Debt collection

Call every Monday-Saturday When they first made contact it was to my fiancs phone number whom they assumed to be my spouse. They told him all the information in regards to the debt which is illegal being he is not my spouse. They had his phone number but not mine. Ive talked to them before and told them Id call back when it was convenient for me as I was working when they called my phone number. 
Now they have not stopped calling every single day, Monday-Saturday. Now today they have had called three times. 


On Saturday XX/XX/XXXX they called 3 times, XXXX, XXXX and XXXX Friday, XX/XX/XXXX XXXX Thursday, XX/XX/XXXX XXXX Wednesday XX/XX/XXXXXXXX Tuesday XX/XX/XXXX XXXX Monday XX/XX/XXXX XXXX Saturday XX/XX/XXXX XXXX I attached a screenshot and their number shows as Credence.
Product: Checking or savings account

Today is XX/XX/2021, I went to the bank to deposit the money left on my stimulus XXXX  card, I waited in the drive through line, when I got to the teller she told me they can't do that at the window and go inside. Once waiting in the line just to go into the building a gal comes to me to ask me what I was doing today at the bank, I told her and she informs me that I need to forms of Id, I tell her I have a drivers license and ss card, she tells me it won't work and they will take vehicle registration, I have to go get it them wait back in line with more people in front of me. This is ridiculous, worse than XXXX as far as customer service. More people are in the line now, now I wait and wait and wait, get the picture, I'm XXXX now!!! I get up to the counter which has plastic protecting the teller and all are in masks but there is a rope up that you have to run into to put your paper work on the counter, ridiculous, I get up to the counter and they tell me I need to call and get the balance myself, now I'm very angry and they tell me I can't use their phone and they can't call, I have to get out of line go get my phone and get back in line again!!!!!!!!! I asked to speak to the manager, no-one ever came, when I asked for a regional manager phone number they would not give it to me I asked 5-6 times before I got it, I have driven to my office looked up this email and I am still on hold to take to someone on their reg call line so I'm sure this is not a phone number for any manager and they tell me to ask for XXXX XXXX who I'm sure has no managerial experience at all. what a joke. They are worse than XXXX and as bad a XXXX XXXX XXXX!
Product: Debt collection

Equifax has reinserted an account on my credit report without a 5-day notice which is against the FCRA. The credit bureaus must notify you within 5 days of the re-insert date. Equifax has continuously done this on my credit report and its greatly affecting me and my credit. I 've attached the re-reported account to this complaint. On XX/XX/2017, I discovered XXXX XXXX XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, Subject : Request for Immediate Removal of Unauthorized Inquiries Hi, I noticed some unauthorized inquiries on my credit report and, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, I request that they be removed immediately. The unauthorized inquiries in question are : 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 XXXXXX/XX/XXXX These inquiries were made without my knowledge or consent, and as such, they are not valid. Under the FCRA, specifically 15 U.S.C. 1681b, only authorized inquiries with my explicit permission should appear on my credit report.

Please investigate and remove these unauthorized inquiries from my credit report promptly. Additionally, I request that you provide me with written confirmation once these inquiries have been removed. 

Thank you for your immediate attention to this matter. I look forward to your swift resolution. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXHas violated my rights. 

15 U.S.C1681 section 602 A. states I have the right to privacy.

15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information in inaccurate. 

Due to these issues on my report, I am having a hard time to provide for my child! I'm unable to get an apartment. I'm unable to secure a loan for school to better my career due to these discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX