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

Im File a complaint against Transunion, XXXX, and XXXX are not complying with their own policies in a timely manner. I sent it a letters on XX/XX/2022 stating theres some items on my credit report that were incorrect about a missed payment. I have not received any information back from them. It been 33 days and no respond
Product: Credit card or prepaid card

I received a phone call from FIRST NATIONAL BANK OF OMAHA claiming that a credit agency reported that my card was blocked. 

Subsequently FIRST NATIONAL BANK OF OMAHA closed my account. 

They told me if I fixed the credit report they would re-instate the account. However after all the fixing they left the account closed a refused to work with me.

They insisted that I re-apply for a new account. I did and as of today I received a notice it was not approved.

The bank keeps telling me a mgr will call me to help correct this matter and I have never in over 3 weeks received a single call, email or letter.

Only the original phone call until today I got an email after I checked the portal and found out the application was declined, I got an email saying to check the portal for the status.
Product: Debt collection

On XX/XX/2021, the company JEFFERSON CAPITAL SYSTEM opened a collection in the amount of {$1300.00}. The account number is ( Account # XXXX ) I have never signed any written or electronic documents saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this alleged debt to this alleged company. 
Please have this removed from all three major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing as I am in the process of purchasing a home once more and discovered on my credit report that XXXX XXXX and XXXX show late payments some years back. I did not have late payments, I ask that the credit reporting agencies promptly provide verification or documentation that there is a valid basis for the claim of late payments on my credit report, or remove these late payment notices from my credit report immediately. 

Specifically, my credit report shows late payments from : XXXX XXXX Customer Service XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Late dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Late date : XX/XX/XXXX As referenced above, I am challenging the late payment notices and asking them to be removed from my credit report at the earliest possible date. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

Account was opened fraudulently without my permission! 
Please remove from credit file immediately. 
Police report was made and reported!
Product: Credit card or prepaid card

On XXXX XXXX I tried to use my credit card at a local store it was declined which I thought nothing of it because the store frequently had problems with their card machine. I got home and private messaged Comentiy Bank, XXXX XXXX XXXX XXXX, OH XXXX received a reply on XXXX XXXX. I called them to find out what was going on. I was told by the woman I spoke to that I had to speak to their fraud dept. She transferred me to them and the young man I spoke with looked at my account and after a few minutes he discovered the the address on my account had been changed by someone, I never received a notice that this was done to my account, which I always get an e-mail when anything get changed on my profile I received nothing. He corrected it and ordered me a new card. I received a new card Around the XXXX of XXXX. After using it 7 time over the next three weeks on XX/XX/XXXX XXXX month to the day my card was denied again. I came right home logged on to my account and looked at my Profile and saw the my address was again changed to a Florida address I called the fraud dept and Spoke to a young woman that told me someone had called to Comentiy bank and had changed my address and when they could not identify the person they closed my account. I was transferred to a young man by the name of I believe he said was XXXX XXXX was on the phone for over 1 hour with him being put on hold many times and finally told that the account was closed they would not issue me a card and if I wanted my account I would have to re-apply. A few days later I did re-apply. Around the beginning of XXXX I received a letter telling me I had to call this number to finish my placation which I did.Letter enclosed. One of the things they asked me was in XXXX you opened a student load and are currently paying it back which bank was it with. Hearing this made no sense to me because the only Student loads with my name on them were the loans that I co-signed for my sons and they were the one paying them back. So I had responded that It was none of the above banks. If you look at my credit history you would see that I had co-signed for many student loans for my children. About 7 days later I received a letter from Comenity bank saying that I was denied because they could not Identify me. I have had that card for a number of years they have all my information ss number, address which has been the same since XXXX, my house number XXXX, and my Cell number which they text me many times when I have a charge over XXXX. You can see on the attached messages that some of them were many day before I even got some kind of response. On Comenity banks web site the page you can sent secure messages It states that they will respond with in 48 hours. Thank You I hope you can help me. XXXX XXXX XXXX XXXX. address XXXX XXXX XXXX XXXX XXXX. XXXX. Tel # XXXX Cell and Text # XXXX. I hope I included everything that you will need you can reach out to me if you have any question. The XXXX was a XXXX XXXX XXXX XXXX. I have destroyed the card so no one could try to use it.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XX/XX/year> to be removed. 

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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


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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian remove this enclosed account as per enclosed document
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX A XXX Opened XX/XX/XXXX Balance {$420.00} ; XXXX XXXX XXXX XXX Opened XXXX XXXX, XXXX Balance {$1700.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance {$420.00} Opened XX/XX/XXXX Balance {$420.00} ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX.
Product: Checking or savings account

A digital checking account was created without my consent. I told them to close it immediately and they refused.
Product: Debt collection

XXXX / XXXX / XXXX  I get a call from family saying someone has been calling them threatening to bring a lawsuit against me and put liens on all my property but refused to give them anymore details but left a phone number. I get home today and call American mediation with this phone number (  XXXX  ) I received from my family.   I talked to someone there who said his name fast and did not want to repeat it. I asked what debt they were trying to sue me for and he claims its a   XXXX   XXXX   account. I told them I had not had an account with them in years and that must be statue of limitations. He lies and claims it was  XXXX . I asked him his name so my lawyer could be contacted he refused and said he would see me in court. I called   XXXX   XXXX   and they confirmed it was past statute of limitations. This company is obviously out to defraud seniors and anyone else they can.
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. 


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 XXXXXXXX has violated my rights. Or list of inquiries 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: Student loan

Dates :  XXXX  > present Amount : {$52000.00} We have been extremely disappointed in the lack of support we have received from  XXXX   XXXX  / Navient in regards to our efforts to obtain refinancing and repayment or forgiveness options related to an enormous student debt. This debt has been an indescribably heavy burden for my family for over  XXXX  years - it seems outrageous that any company would allow individuals to suffer under the weight of a debt related to obtaining an education. We certainly did n't buy a boat or take vacation with that money! At this point I 'm at my wits end as to how to satisfy a loan that is over  XXXX  decades old ...
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). I request that the CFPB take action to ensure XXXX conplies with the federal law and provides consumers with hr necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX XXXX, I requested a wire transfer from my bank in XXXX to wife fund into my XXXX XXXX account with XXXX, to today date, I have receive not fund in my US account. I reach back to my bank in XXXX, and they also requested more detail to their partners bank in the XXXX ( XXXX XXXX ) Please see below the response from XXXX. 

XXXX : Transaction Reference Number XXXX XXXX : Related Reference XXXX XXXX : Narrative AS A FOLLOW UP TO YOUR INQUIRY UNDER REFERENCE XXXX ADVISING US THAT THE BENEFICIARY IS CLAIMING NON RECEIPT OF YOUR PAYMENT REFERENCE XXXX IN THE AMOUNT OF XXXX DATED XXXX EFFECTED UNDER OUR REFERENCE XXXX. 
DURING THE COURSE OF THIS INVESTIGATION WE HAVE REPEATEDLY FOLLOWED UP WITH THE BENEFICIARY BANK FOR CREDIT CONFIRMATION. DESPITE OUR REPEATED FORMAL REQUESTS, THE BENEFICIARY BANK HAS YET TO PROVIDE AN UPDATE. 
DUE TO THE LACK OF RESPONSE FROM THE BENEFICIARY BANK, WE ARE CLOSING THE INVESTIGATION ON OUR END. AT THIS JUNCTURE WE SUGGEST THAT THE BENEFICIARY LIAISE DIRECTLY WITH THEIR BANK IN ORDER TO FACILITATE RESOLUTION. FOR THE REFERENCE OF THE REMITTER AND BENEFICIARY, WE HAVE ATTEMPTED TO CONTACT THE BENEFICIARY BANK UNDER OUR REFERENCE XXXX. IF WE RECEIVE ANY ADDITIONAL DETAILS FROM THE BENEFICIARY BANK REGARDING THIS MATTER, WE WILL UPDATE YOU ACCORDINGLY. 
PLEASE QUOTE OUR CASE REFERENCE XXXX ON ALL FOLLOW UP REGARDING THIS MATTER. 
REGARDS, XXXX XXXX INVESTIGATIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Inquiries that are reflecting on my credit report that I have not authorized
Product: Credit card or prepaid card

In XX/XX/2023 I received a Cash App Visa Debit card I did not apply for, nor did I want. After calling them, back and forth emails, document uploads, etc., the card/account was closed ( after about two hours of my time ). I expected never to hear from them again ( I have a credit freeze and fraud alert on my SSN ). 

In XX/XX/2023 I received a second Cash App Visa Debit card I did not apply for, nor did I want. After calling them again, explaining this is the second time they have sent me a card I did not apply for, their response was : No problem, just spend two more hours jumping through all the hoops again, and keep your fingers crossed we don't send another card next month. 

These business practices are highly questionable if not illegal. 

I told them they created this problem twice, they have all my information, close the account. They refuse to do so.
Product: Credit card

Re : Account closure after financial review - Acc : - I have been a customer of American Express since XXXX. However, my experience has been marred by frequent account reviews, identity verifications, and flagged for suspected fraudulent transactions. While I have diligently compiled the requested documents over time, the frequency of verification requests has reached a point where it feels like constant harassment from your system or team. 
Recently, I opted not to comply with a financial review initiated by Amex, deeming it unnecessary. In response, Amex chose to close my account, a decision I perceive as an excessively adverse action against me. 
My rationale for refusing the financial review stems from the following reasons. 
I applied for a XXXXXXXX XXXX XXXX last year. XXXX directly shared my total asset value ( I believe around $ XXXX at the time ) with Amex, leading to an approved credit limit of $ XXXX. 
My XXXX score was XXXX ( XXXX ) and XXXX ( XXXX ) on XX/XX/XXXX when my account was closed by Amex. 
In the past ( I believe 2 years ago ), I underwent a financial review, triggered by a {$10000.00} purchase that led an Amex representative to issue a stern ultimatum, demanding the immediate repayment of the entire amount or facing the risk of account closure. In response to this coercive communication, I opted to close my account in protest. However, when I decided to open a new account a few months later, Amex sought access to my tax records. Complying with this request, I submitted the necessary documents, resulting in the approval of my application. 
I have proactively submitted documents, including proof of over $ XXXX in money market funds and over $ XXXX in stocks, just 1-2 months ago when I sought a credit limit increase. 
In the past year alone, I made payments totaling around {$10000.00}, successfully repaying all my purchases with minimal outstanding balance.I have consistently settled all of my debts during my entire association with American Express since XXXX. 
Since XXXX, I've maintained a XXXX XXXX XXXXXXXX card boasting an approximate {$25000.00} credit limit, while both my XXXX and XXXX XXXX XXXX also extend a generous {$20000.00} credit limit each, all without requiring any documentation at any point. 
Why does Amex conduct financial review constantly? If you are afraid I will run away with your money, don't you think I can use my other cards? After conducting some research, I discovered that American Express may initiate financial reviews in response to returned payments, significant purchases, or credit requests. However, these criteria do not consistently reflect a customer 's inability to repay their debts. It is important to cease the practice of subjecting customers to harassment based solely on these factors. 
Despite my past efforts to demonstrate financial stability and compliance, the closure of my account following the recent refusal has left me disheartened and frustrated with the perceived disproportionate response. I urge Amex to reconsider this decision in light of my consistent efforts to adhere to your verification processes and maintain a positive customer relationship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX continue to report that I have 2 dismissed XXXX XXXX 's even though I have sent them the letters from the Trustee showing that I did not enter into a XXXX XXXX  wage plan. Reporting that I have dismissed XXXX XXXX 's indicates I entered into a plan that was dismissed and that is not correct. I never entered any bankruptcy plan as the alleged single debt was never validated as being owed to the alleged creditor. This is erroneous reporting and needs to be removed. I have reported this erroneous reporting multiple times with the latest reporting being XX/XX/2019.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts.Thank you. 
XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX EXPERIAN
Product: Credit reporting or other personal consumer reports

Here 's an updated version of the letter incorporating recent case law references to strengthen your request for deletion and expressing your intent to pursue legal action if the matter is not resolved satisfactorily : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Request for Deletion of Unauthorized Hard Inquiries and Notice of Intent to Litigate To Whom It May Concern : I am writing to formally request the immediate removal of unauthorized hard inquiries from my TransUnion credit report. The following inquiries appear on my report without my authorization : XXXXXXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX  XXXX - Inquiry Date : XX/XX/XXXX XXXX  XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX  - Inquiry Date : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, consumer reporting agencies are only permitted to include inquiries authorized by the consumer. I did not authorize these inquiries, and they do not meet the permissible purpose requirements outlined under the FCRA.

Case Law Precedent Recent case law underscores that consumer reporting agencies are liable for failing to ensure the accuracy and legitimacy of information, including unauthorized inquiries, on consumer reports. In XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), the U.S. Supreme Court held that inaccuracies in credit reporting that result in harm are grounds for redress under the FCRA. Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) confirmed the duty of credit reporting agencies to ensure data accuracy, holding that they may be liable for negligent or willful noncompliance with FCRA standards. These cases provide clear support that I am within my rights to demand the immediate removal of any unauthorized or incorrect information on my report. 

Notice of Intent to Sue In light of these precedents, I request that TransUnion promptly delete the above-listed inquiries from my report. I further demand that you provide written confirmation of the removal within 15 days of receipt of this letter. If the inquiries are not removed, or if I do not receive a satisfactory response, I intend to pursue legal action to enforce my rights under the FCRA, including claims for any resulting damages. In such an action, I will seek recovery of legal fees, statutory damages, and any applicable punitive damages for willful noncompliance, as outlined in 15 U.S.C. 1681n and 1681o.
Product: Credit reporting or other personal consumer reports

ONEMAIN ( Finance ) XX/XX/year> XXXXThis is a hard inquiry from a company that i did not authorize access to my personal information