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

On XX/XX/year>| submitted a dispute online with Experian. Less than XXXX hours Experian emailed me back and said I had an update on my dispute. This shows that Experian didn't conduct an " reasonable reinvestigation '' within the timelines given by the FCRA to make sure that my consumer report was complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) And the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}.
Product: Checking or savings account

I created a Citizens Access savings account and deposited {$10000.00} on XX/XX/2023. On XX/XX/XXXX I linked the savings account to my XXXX account. 

On XX/XX/XXXX I tried to withdraw {$400.00} to put into my XXXX account. The withdrawal occurred but then was reacredited and my account was then frozen on XX/XX/XXXX. 

On XX/XX/XXXX I deposited more money ( {$4700.00} ). My balance reflects the two deposits which all show in my statements. 

On XX/XX/XXXX I called the Citizens Access support number ( XXXX ) because my account was still frozen for more than 10 days. The representative on the phone said that my " account was under review and there is no available information at this time and to wait ''. 

On XX/XX/XXXX I went to a Citizens bank ( listed on their website ) in person to straighten out the problem and find out what was going on. They told me that they couldn't even find my account in their system and told me to call XXXX. I called and they said the same thing : " account was under review and there is no available information at this time and to wait about a week ''. 

Since it's already been 3 weeks since my account was frozen, I decided to call the number on the bottom of the Citizens Access website ( XXXX ). The representative who answered the phone on this call said exactly the same thing " account was under review and there is no available information at this time and to wait ''. So I asked if I could speak to a supervisor who said the exact same thing : " account was under review and there is no available information at this time ''. 

My account has been frozen for 22 days and no explanation has ever been given to me as to why and when the problem will be resolved. 

I'd really like access to my money and to be treated like a customer and not a criminal. Can you please help me. Thank you.
Product: Credit card

I had opened the account to do a balance transfer to a different credit card. The other credit card company never received the transfer. I have been going back and forth with capital one about this and have gotten no help they have been telling me one thing then another. When I asked for the check information that was sent over all they gave me was an amount and date. They couldn't even give me an account routing number or even a copy of the check. I have been going through this since XXXX of 2022 and still no one is willing to help. I have spent numerous amounts of hours and taken lots of time to resolve this and there has been nothing solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft, i filed an FTC report # XXXX on XX/XX/2022. someone used my personal information for apartment leasing. now it's on my credit report. 
I've contacted XXXX credit bureau soon after I filed the FTC, its been more than 45 days and this collection/derogatory account is still showing up on my credit report. 

Account in question to be deleted is : Genesis Credit ManagXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has a student loan listed on my account that was transferred to another lender. The loan that was with XXXX was transferred to XXXX. The loan was subsequently forgiven under the XXXX XXXX XXXX XXXX XXXX. I filed a dispute with a statement that showed a XXXX balance on both loans. They still have the loan as open with XXXX. XXXX has it correct. XXXX doesn't have any of my student loans at all. The crazy thing is that Experian has the loan listed twice with XXXX. Once as still being open with a {$25000.00} balance and once with a XXXX balance. I can't understand why they don't see that the account numbers are the same. I want this removed from my credit file immediately. The loan shows a XXXX balance with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that these were Charge off accounts on my credit report. I was a casualty of savage wrongdoing. I'm not liable for these accounts, no police report or fraud affidavit is possible and no information or document is in my possession. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. A copy of my Bank Statement, Drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following inaccurate names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX  Y XXXX-Please verify the following incorrect names. I think there may be an error, please remove as per FCRA 605B, also inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX A XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX isn't my home address. Per Fair Credit Reporting Act Section 605B you are required to remove the undistinguished address on my credit report. These accounts included in the dispute are : XXXX XXXX  XXXX JXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

All three of my report dont say the same thing so I didnt see it
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I sent {$50.00} usd to XXXX XXXX in XXXX I received tracking number XXXX when XXXX attempted to retrieve the money she was informed by the western union pick up location in XXXX that it was cancelled, I immediately contacted western union at XXXX at approx XXXXXXXX XXXX pst only to be told by western union that I, the senders information could not be authenticated ( yet ive been sending money via western union for over 10 years ) I was then informed that since my identity could not be confirmed they would refund my money. On XX/XX/22 I checked the western union site only to see that western unions indicates, on their site that the receiver picked up the money. I subsequently contacted western union and was told I need to have the receiver return to the bank where she tried to pick up the money, once there call western union so they could officially cancel the transaction huh? are you kidding? this person needs to pay for a taxi to go do this, yet western union didnt release the money so how will she pay for the taxi? utterly ridiculous to tell me to have a non english speaking person return to their facility, call them to cancel
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX in credit company complaints me, because I have not paid, the amount is {$1300.00}, and close my XXXX XXXX CARD account, and in XX/XX/XXXX updated complaints, I am XX/XX/XXXX through XXXX repaid the {$1300.00} telephone customer service, the use of XXXX XXXX debit CARD, bank have been generated to make records, and payment is successful, but I have not received any receipt, and credit report has not updated, or reality I outstanding arrears. 
Most importantly, from XXXX to XXXX, I have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXXXXXX XXXX  CARD, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
Now I have paid the arrears, but they did not update the complaint, nor did they give me the receipt.My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had multiple late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : CAF Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.
Product: Credit card

I lost my XXXX credit card issued by continental finance. 
The rep assured me that if I made a XXXX payment in XXXX I would receive receive my credit card. I made payment and then I waited 4 weeks and did not receive it .I CALLED BACK XXXX/XXXX/2016 and was told AGAIN that I had to make another payment on XXXX/XXXX/2016 I did and now I AM BEING TOLD THAT I MUST PAY XXXX IN ORDER TO RECEIVE MY CARD. 
Continental Finance has also ignored my request for all information billing information pertaining to my credit card account ending in XXXX. 
I want my credit card and my billing information as I have requested under the Fair Credit Billing Act. Thank You for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

The collections agency has engaged in false and misleading practices violating ftc 807 and ftc 8012. Regarding PORTFOLIO RECOV ASSOC on my credit report.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX apt XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, I have made two reports in the FTC department notifying each of the credit agencies XXXX, XXXX, TRANSUNION, sending all my information about the accounts that do not belong to me, my identity and the number report that the FTC agency provided me, refusing to remove them from my cut in each of these bureaus, also request each of these creditors to send me a proof of the contract signed by me in each of the accounts that They are reporting in my credit report through certified mail which certifies that they received it, which was not answered by any of them, then I opened a new dispute request to each of the bureaus, add the proof of my request test by these creditors who never responded, receiving the same response that they had already verified the accounts and that the accounts were still in my credit report, taking this a process of more than 6 months having an erroneous result since these accounts They do not belong to me and these agencies are not doing the proper verification and violating my fair credit rights as established by law. 

The accounts in dispute and that have not complied with the correct verification are the following EXPERIENCE XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} TD BANK XXXX # XXXX. BALANCE {$4900.00} TD BANK XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX # XXXX BALANCE {$9300.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$7300.00} XXXX XXXX # XXXX BALANCE {$2400.00}. XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} TRASNUNION XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX  XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX XXXX  # XXXX. BALANCE {$4900.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$16000.00} XXXX XXXX XXXX XXXXXXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXX # XXXX. BALANCE {$16000.00} I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present accuracy in any of the bureaus and additionally I was not I am the one who opened them, not even the creditors have presented the proof that these accounts belong to me, I ask you to intervene as the agency that regulates these bureaus since it is a process that they do not want to take measures to correct this thank you
Product: Bank account or service

I opened up a savings account at Wells Fargo Bank. I was required to take debit card as part of the account processing, even though I said that I did not want a debit ( or credit ) card. We agreed that I could cut it up when I received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format method. 

DISCOVER FIN SVCS LLC Account ID : XXXX I have exhausted all my options to resolve this matter and am now demanding that the account be deleted from my credit report because it is invalid and unverifiable. 
If there is no proof of debt and no verifiable information, then the information may not be reported to the credit bureaus nor reported under the Fair Credit Reporting Act. The incorrect account information on my credit report can not be verified, so it must be deleted from my credit report or you will be in violation of the FCRA. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my capability to obtain loan.
Product: Credit reporting or other personal consumer reports

Despite exhaustive efforts and substantial evidence of identity theft provided to Experian, XXXX, and XXXX, the fraudulent accounts listed above remain on my credit reports. This inaction violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically the obligations to conduct a proper investigation and to correct inaccuracies.
Product: Credit reporting or other personal consumer reports

Dear I am writing to formally dispute an account that has been fraudulently reported on my credit file due to identity theft. The details of the fraudulent account are as follows : Collection Agency XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$2800.00} Date Reported : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX I did not authorize this account, nor did I enter into any agreement with the original creditor. This account is the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B, I am requesting the immediate blocking and deletion of this fraudulent account from my credit report.

To support my dispute, I have enclosed : 1A copy of my FTC Identity Theft Report 2A copy of my government-issued identification According to the FCRA, you are legally required to remove fraudulent information resulting from identity theft. I demand that you : 1Immediately delete this fraudulent account from my credit report 2Send me an updated credit report reflecting this deletion 3Provide written confirmation that this account has been removed If this fraudulent account is not removed within the required four-day blocking period, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and pursue legal remedies as necessary.

I appreciate your prompt attention to this matter. Please confirm the deletion of this fraudulent account in writing. You may send your response to the address listed above.
Product: Credit reporting

I have a judgement on my trans union and XXXX account and I have stayed with my parents since XX/XX/2010.
Product: Credit reporting or other personal consumer reports

My identity was stolen some time ago. The credit bureaus are aware, and I have added credit freezes or instructions for them to contact me before attempting to extend lines of credit. I continuously receive updates showing inquiries into my credit made without my consent. 


I contacted Experian, XXXX, and XXXX by mail to dispute over a year ago. 
XX/XX/XXXX, inquiry, XXXX XX/XX/XXXX, inquiry, XXXX XX/XX/XXXX, Inquiry, XXXX XXXX Bank XXXX XX/XX/XXXX, Inquiry, Experian XXXX Card XX/XX/XXXX, Inquiry, Experian XXXX XXXX XX/XX/XXXX, Inquiry, Experian XXXX XXXX XX/XX/XXXX, Inquiry, Experian Bussiness Card XX/XX/XXXX, Inquiry, XXXX XX/XX/XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They are still showing on my report I've requested to have a fraudulent card open and used from XXXX XXXX/XXXX  and it was ran again against my credit. Also other things are still been showing on all 3 credit bureaus that should not have even been placed and I asked to have researched and the disputes have come back stating they will have them updated and hard inquiries that I did not apply for. I have been monitoring my reports and see these being done and sent disputes and still nothing!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX stated once account was satisfied, it will be removed from credit file. Account been satisfied.
Product: Credit card

I received a Wells Fargo credit card while working with the company XXXX by XXXX. The card was specially applied for to cover home improvement services. 
While working with the closet by design team, we were not clearly explained the terms of the card. The card had a deferred payment amount of {$10000.00}. If not paid within 12 months, we were told wed be charged interest. What we did not know is that interest would be charge for the whole original amount. 
On XX/XX/XXXX with the remainder balance of {$1500.00} we were charged an interest on top of {$2600.00}. Have we known the interest would be charge on the original amount we wouldve paid it off. 
As of XX/XX/XXXX the card is fully paid off outside of the charged interest amount. 
I filed a dispute with Wells Fargo on XX/XX/XXXX and have not received a positive outcome.