23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Once again, American Express has suspended my access to my BlueBird and Serve prepaid cards which is an automatic action their algorithm does. 

They sent an email like last time ( see previous CFPB complaint in which they reactivated my cards ) requesting me to provide verification of my ownership of an external debit card ( a XXXX XXXX  debit card, supported by XXXX XXXX  partner institution XXXXXXXX XXXX XXXX that I linked to my Serve account. 

This request cant be answered as it requires me to log in to my online account for my Serve account which also gets suspended when the card is. There is therefore *NO* way to resolve the issue with them. 

The violation their system is detecting is use of their card for creating spend which I am absolutely not doing. 

I will attach the requested verification documents to this case. 

Serve card number : XXXX Bluebird card number : XXXX
Product: Mortgage

On XXXX/XXXX/15 a wire in the amount of {$60000.00} was wired to Specialized Loan Servicing , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO in error. A second wire in the amount of {$16000.00} was also transferred to them, which was not in error, this wire paid off a valid account. SLS called on XXXX stating the wire was received by mistake and said they would return it. They did not. My bank recalled the wire on XXXX and XXXX. They have still not returned the money and refuse to speak with anyone about the account. An associate with XXXX Bank has authorization to speak with them but they are still refusing to acknowledge the situation. They are unlawfully holding {$69000.00} that does not belong to them. I need help getting this resolved ASAP. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute a bankruptcy reported on my credit reports several times but it has yet to be removed. I spoke to the Clerk of Courts in XXXX County where the bankruptcy was filed and was told they did not report it to the bureaus but the bureaus keep stating this information is being verified by them. I also requested a my records from XXXX and was advised they have no record of a bankruptcy on file. Although I have disputed this inaccuracy several times they have yet to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : BANK XXXX XXXX XXXX, BANK XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts is inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted letters to XXXX, XXXX  and Experian informing them of inaccurate information being reported on my credit reports. I submitted a letter from the furnisher stating they did not verify the information that is being reported on my credit reports.
Product: Student loan

Upon beginning classes through the XXXX XXXX ( " XXXX '' ), I was obligated by this school to borrow student loan funds through XXXX XXXX XXXX ( " XXXX '' ) ; I was awarded no alternative loan providers and was advised that I could not seek and/or apply any other student loan monies from any other loan servicer. Then, a few months after I began my studies at XXXX ( and while still attending there as a full-time student ), I was notified on several occasions by the director, president, and other financial advisors at XXXX that I had to start making payments on my student loan, and was threatened to be expelled from XXXX and, if I neglected to start making payments on the loan, that XXXX would report this on my credit bureau as a delinquent loan balance. So, I contacted XXXX to establish a repayment plan, but was told that there was no repayment plan that could be offered. In or around XXXX XXXX, 2015, my student loan was transferred to University Account XXXX, XXXX from XXXX after the CFPB Student Loan Settlement became effective. This student loan was established on false and predatory lending practices, and is also a violation of XXXX, Title 12 U.S.C. 5531 ( a ) ), the Higher Education Act, and the Federal Trade Commission Guides for XXXX XXXX.
Product: Credit reporting

I have submitted several letters with return receipts disputing the information that Experian is reporting on behalf of XXXX. I have also requested written verification of my signature and/or what methods were used to verify the information. The law requires the Bureaus to be able to back up what they are reporting or delete the information entirely. Likewise I have sent several letters to the creditor : XXXX not only disputing the information but also requesting written verification of the information that Experian is currently reporting. I have return receipts for all letters sent to both companies. Both companies have failed to mark the report of their information as being disputed. Both companies have failed to provide me written verification and therefore I am requesting there information that they are currently reporting for XXXX be permanently deleted as this has created hardship for me in securing a home loan.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. Date : XX/XX/XXXX XXXX XXXX  Address Phone number XXXX XXXX XXXX XXXX, DE XXXX. Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent numerous 605b and FTC reports to Transunion XXXX  and XXXX. All 3 companies have ignored my letters. I also requested updated credit report be sent via us mail. Upon checking my credit in mid XX/XX/2021. I discovered Fraudulent Accounts on my report. 
The following fraudulent accounts are 1.XXXX XXXX {$500.00} Ive never done business with this company or entered into a signed contract with this company. This is a fraudulent account 2. XXXX, XXXX XXXX XXXX XXXX {$270.00} Ive never done business with this company or entered into a signed contract with this company. This account is fraudulent!! 
3. XXXX XXXX XXXX is also a fraudulent account! 

XXXX XXXX ( isnt my name ) Ive never used it that way please see ftc report/ 605b all attached
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under Trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Inquiries were not authorized XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax doesn't have two factor authentication and anyone with my info can hijack my account... this is insanely ridiculous that they offer identify theft monitoring and don't have basic account security protections, even after being hacked in XXXX. 

With someone's name, date of birth, and SSN, and phone number you can quite easily reset the password of an account. Two factor authentication with the phone or email is broken because you can give any email and you'd get the code. 

Why is this security flaw not fixed considering the amount of detail on a person 's credit report?
Product: Debt collection

Synchrony Bank Company, on XX/XX/XXXX, approved a store TJMax credit card in my name for {$470.00} in credit on the significance of identity theft. 

I never applied for any Store credit for XXXX, nor do I shop there. 

The person using this fraudulent credit card defaults as soon It is used by failing to make the actual payments. 

I reviewed my credit history in XX/XX/XXXX and discovered a negative impact from Synchrony bank regarding the above fraudulent credit circumstances. 

I have never received a payment request after XX/XX/XXXX, or a collection letter from Synchrony bank regarding this identity theft By an Issued Store credit card. 

On XX/XX/XXXX, I filed a Written dispute and requested significant verification. I also informed Synchrony bank that I had never applied for credit from a XXXX XXXX  store, signifying a fraudulent case of identity theft. 

It has been more than forty-five days, and Synchrony bank failed to comply with my dispute request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute with Transunion about a couple things on my report like XXXX  which a loan company they updated the info but yet left the incorrect balance on there and its still showing open. The account is closed. Also XXXX XXXX XXXX XXXX. They reported me as a missed payment when I made a payment on XXXX XXXX. They also never informed me that this particular account had a due date. XXXX XXXX told me I had no missed payments because I was in the hardship program but yet Transunion is updating not deleting as they should.
Product: Credit card or prepaid card

I want to make a complaint regarding a XXXX XXXX XXXX credit card associated with XXXX XXXX. 

In XXXX, they offered me the credit card mentioned before, without clarifying that I had a charge for late payment of the same amount consumed. 

In XXXX I make a purchase of {$19.00} that should be paid in XX/XX/05, that day I forget to pay the card and I remembered it 3 days later, I log into my account and I had that balance of {$19.00} for which I made the payment. 

After that, did not make more purchases with that credit card. One month later, on XX/XX/XXXX, I received an email with a balance to be paid of {$41.00}, what surprisingly corresponds to the " late fee '' of the XXXX payment ( which never appeared in the account when paying my balance ) and another " late fee '' of the following month for not having paid the late fee of the previous month. 

When they gave me knowledge of that, I automatically asked to close the account, because it is absolutely unfair that they keep adding late fees of the same amount that was consumed or not paid and also I did not want them to keep adding late fees of a card that I do not use. 

It turned out that despite having closed the account, I still get late fees for something I was never notified. 


1- I never got any statement that had late fees until XX/XX/XXXX, or one and a half months later ( In addition, in my case, since I had not made more purchases with that card, I did not log in the account to verify expenses and balances ) 2- According to XXXX XXXX  the late fee automatically appear in the account the next day of not having paid, so then, why it did not appear in the account when I log in to pay it three days later, in that case I would have never let that much time went by, and would have paid it at that moment. 

3- Which is the reason for not being notify during two months of the account balance and now I keep receiving mails and phone calls with debts that do not stop increasing only for 3 days of delay, I insist, I never received notifications about it and also when I log in to pay it did not include the charge for late payment ( then how could I know what I should paid if it was not included in the account ). 

Please, I consider it is very unfair to pay a debt for something that XXXX XXXX XXXX or the bank does not communicate in due course.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a Loan from PNC bank and payments and account was set up by PNC banker.It has been more than 2 years that bank has not issued me any statement. No access to past statements and online account has been locked in such a way that I can not see my statements. Payments have been set up through another account from PNC which was set up by banker itself. 
No changes can be seen or modified. Although payments were set up as automatic deduction and my loan amount instead of going down, its going up. I have requested customer service contacted them more than 5 times to ask the same details and each time I ended up spending minimum XXXX + hours without any conclusion. 
No statements have been issued and no support had any success to access my account. I suspect, bank is manipulating loan amount by keep me out of approach to the crucial information which they should have disclosed to me from the beginning. 
I have even tried going to the local branch and yet they were not able to access completely and they have suggested me to contact phone customer service. 
My accountant requires all those statements for tax purpose and I have a feeling that PNC bank is manipulating financial data by keeping me off the records. 
I need help as I can't get help from the bank and it is my right to see all my records of all my payments and their adjustments. Bank is taking a full control of my loan and associated documents. 
Please help me to get PNC bank on track so that I can see what I have been paying for, for past XXXX years and how are the funds applied to the loan amount.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inadequate Investigation into Credit Reporting Violation of FCRA ( 15 USC 1681 ) To Whom It May Concern, I am filing this complaint regarding Transunions investigation into inaccuracies on my credit report. I believe their actions are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, Section 602 ( a ), which mandates that consumer reporting agencies ( CRAs ) act fairly, impartially, and with respect for consumer privacy when fulfilling their responsibilities.

Explanation of the Issue Failure to Conduct a Fair Investigation : Transunion failed to investigate disputed information thoroughly, relied solely on automated processes, and did not provide adequate documentation supporting their findings. This lack of due diligence undermines the FCRAs purpose of promoting accuracy and fairness in consumer credit reporting. 
Violation of Privacy Obligations : The FCRA requires CRAs to respect the privacy of consumers. 
The furnishing financial institution has disclosed late payment information to unauthorized parties or failed to protect such data from unauthorized access. 
The furnishing financial institution has not informed me of my right to opt out of sharing my personal information with nonaffiliated third parties. 
Inaccuracies in Credit Reporting : Transunions failure to ensure the accuracy and validity of the disputed debts and accounts has caused significant harm. These ongoing reporting errors have resulted in consequences such as denial of credit, higher interest rates, and damage to my personal and financial reputation.

Legal Basis Provisions of the FCRA Violated : 15 USC 1681c ( a ) ( 5 ) : This section states that no consumer reporting agency may make any consumer report containing adverse information ( other than records of convictions of crimes ) that antedates the report by more than seven years. Additionally, a CRA can not furnish an account without my written instructions.

15 USC 1681s-2 ( A ) ( 1 ) : This section prohibits a person from furnishing any information relating to a consumer to a CRA if they know or have reasonable cause to believe the information is inaccurate.

Other Privacy Protections Violated : 15 USC 6801 : Requires financial institutions to protect nonpublic personal information and respect customer privacy.

15 USC 6802 ( b ) and ( c ) : Obligate financial institutions to provide clear options for consumers to exercise their nondisclosure rights.
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 : Account Number : XXXX Account Name : XXXX/XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XXXX 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.