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

After doing several disputes with XXXX, and Transunion. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor XXXX. Both XXXX  and Transunion failed to do an investigation before reporting false information. XXXX failed to respond several letters. The Reporting address on file is not and never was my permanent address XXXX XXXX XXXX XXXX XXXX Kentucky XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed Equifax my identity info and proof of address and SS number to put a freeze on my credit due to identity theft and they replied to me with a letter stating that my credentials did not match thier records, therefore they suggested I send all my information postal mail so I sent it.on XXXX XXXX They sent me another letter stating that my records to add a freeze on a child did not match thier records. This is insane because I did not even mention anything about a child. It's obvious that Equifax is fraudulent and playing games with me. I need help with this travesty.
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 : Account Number:XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/202XXXX 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 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: Debt collection

A JUDGMENT WAS ISSUED FOR THE DEBT, BUT THE COLLECTION COMPANY HAS NOT BEEN ABLE TO VERIFY THAT IT WAS ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX/XXXX XXXX XXXX XXXX XXXX with a date of XX/XX/2005 and a phone number of XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Product: Credit reporting

i have always moniture my credit and noticed previous deleted inquries from XXXX somehow because reinserted on XXXX report.
Product: Mortgage

Today is XXXX and I am writting regarding a loan with Ocwen Loan Servicing which I paid this loan off on XXXX. My records indicate that I overpaid the loan by {$6200.00} and in calls with the servicer they verify that it was paid in full and overpaid by the amount I have indicated. I have been waiting for a final statment and reimbursement of the amounts overpaid totaling {$6200.00} since XXXX.
Product: Credit card or prepaid card

I applied for an AMEX Blue Preferred Cash credit card online on XX/XX/2018 and was promptly denied. I was stunned and called to find out why. After several calls and departments I was told a prior bankruptcy showed a balance over $ 10k. My bankruptcy was filed 13 years ago and was showing this on all of my credit reports for AMEX. I assumed it was some kind of serious internal error. I had to wait until Monday to talk to the Research Dept and thought it would get straightened out. The Research Dept explained that they keep the information on file and can deny credit due to the previously charged off balance. I asked for how long, and she said " FOREVER ''. Forever?!?! Did she say forever? I was in stunned silence. I finally said, the purpose of a bankruptcy is to give someone a fresh start. I have no interest in doing business with AMEX. Thank you. I was under the impression that once the 7 or 10 years is up it is no longer an issue. I have excellent credit now, in the 800 's and don't carry any debt other than the condo I bought a year ago and a used car payment. I applied with XXXX today and was immediately approved at their LOWEST interest rate offered for that card even though they were in my bankruptcy too. I also work for a XXXX company that services Credit Unions. I have a XXXX. in XXXX. But I don't need that to know that this is XXXX. I'm beyond offended and feel this practice of keeping discharged bankruptcy information FOREVER, when companies don't even keep data for that long on ANYTHING else is unethical and unfair. I was in my late 20s and had never ever paid a bill late until I went into business with someone who didn't do what they were supposed to do and was left with everything in my name. It was not characteristic of my financial history before or after that. It's absolutely appalling to me that AMEX has given me a life sentence arbitrarily, without considering my financial picture the other 42 years of my life where everything has been immaculately spotless. Their loss, I have XXXX now and plan to use that card for everything I buy to get the cash back and will pay it off monthly. I'm disappointed in AMEX for being so impersonal. I want to know from the CFPB if this is ethical and if this is legal according to the CFPB and other financial governing agencies. I'm also going to ask a class action lawyer. I also work for the XXXX of the Legal, Compliance, Accounting and Finance Depts at work and will find out the best way to get to the bottom of this unfair practice. Good luck, AMEX. This won't be swept under the rug for long. This isn't the first complaint on this site against them on this very issue. Time to put an end to this.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Debt collection

I learned about this collection agency debt thru my credit report. I received absolutely no prior mail with notice to try to resolve any matter. I looked up the phone number and called them. The person I spoke to was extremely rude from the beginning! He was yelling over the phone and interrupting me before I finish speaking, then HE hung up on me! Very unprofessional and did n't even get anywhere because as I said, he hung up the phone. Did n't even give me his name. I sent them a letter to try and settle the account even tho I truly believed this account was already paid. ( It had previously been in my credit report along with others, I made payments to a collection agency and they removed them all including this same charge. So I thought it was paid ) I still have n't received a response. This is affecting my credit score very negatively.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I would like to submit a formal complaint for the mishandling of my report that has left me in dire calamity by the credit bureaus after multiple requests to have these accounts removed over the years to no avail. The most recent request was that I be provided with any verification or proof of the original contract for accounts that are negatively impacting my score and have not received anything, yet they have updated the account further impacting my score. This does not make sense when all three reports are filled with inaccuracies if the bureaus are claiming to have completed a thorough investigation as required by law and according to the FCRA, all information must be 100 % accurate or it must be deleted. 

Due to the data breach within the credit bureaus along with misinformation that is listed on these reports such as addresses I have never lived at, wrong social security numbers, wrong phone numbers and wrong names it is my strong belief that my identity has been compromised and that this information must be removed immediately as pursuant to 15 USC 1681c-2 ; consumer reporting agency 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, no later than 4 business days.

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. 15 U.S.C section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file.

I hereby seek to exercise my full rights and demand to have the accounts listed below removed entirely from my report promptly. In addition, I am also requesting all late payments be removed from student loan accounts. 

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

MY EQUIFAX CREDIT FILE REPORTS THAT I HAVE A BALANCE OF {$8500.00} ON XXXX XXXX. I DO NOT OWE ANYTHING TO XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not allowing me to purge data that- is beyond statute. Is inaccurate. Is no longer appearing on other bureau files. This is creating an extortion on " old debt claims '', none of which have legal standing. This is harming me. It is keeping me from opening a bank account, from being able to open credit cards- or other loans. I demand this stop. I demand all data beyond 2 years be purged. Nexus as well. No more verify me w 7+ years of data before we attempt to act, nonsense. You were never given permission to collect this data- IT WILL BE REMOVED AT ONCE.
Product: Money transfer, virtual currency, or money service

I have EXCELLENT banking history. I have NEVER written a hot check and my account is well established ( 12 years old ). I tried to write a check at XXXX in XXXX, Tx and was denied. It was embarrassing and I had to put my groceries back because I did not have another form of payment on me at the time. I reached out to Certegy Payment Solutions for an explanation as to why my check was denied and they said " check number, dollar amount, check-writing history or other transaction details. '' They also noted that there were no outstanding items and/or proof. Yet, I am not allowed to write a check for what is clearly a mistake on their part. 

I have reached out to them directly by mail to investigate and clear my name. However, I was told to submit this claim. 

Please help me - they are holding me responsible for inaccurate information.
Product: Debt collection

I am a victim of ID theft, my wallet and luggage was stolen from my car on my way to the airport, my passport, ID and ss card was compromised and I filed a police report that has a ongoing investigation with XXXX XXXX division, I also recently filed another police report for the fraud accounts that are showing up on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX and Experian accounts currently contain false reports of inquiries on my credit report that is hurting my score and and hurting my opportunity to acquire more credit.
Product: Checking or savings account

To whom it may concern My Name is XXXX XXXX XXXX XXXX XXXX, my wife and I have been a customer of US Bank for approx. 42 years. In XX/XX/2021. I had applied for a car loan at my local US Bank on XXXX XXXX. When I went in to sign the documents for the loan I was made aware of two facts that concerned me : 1. XXXX XXXX XXXX XXXXXXXX XXXX had taken it upon herself to use my application information to log into my XXXX XXXX account where I had my new car loan to review my personal/Bank information. Her actions violate the Fair Credit Act since she previously ran my credit and now was also using this tactic to research my personal information with XXXX XXXX for approval of this loan. 


2. In addition to this XXXX XXXX demanded that I allow the loan to be paid monthly via direct deposit. I had a problem with this as well since my wife and I were customers of US Bank for approx 42 years and NEVER paid a loan late. When I explained this to her she informed me that my previous loan history with US Bank " didn't matter '' and that this was the only option I had. I told her that I was going to cancel this loan and leave. I asked her to destroy all the paperwork so I can leave. She refused and I left without taking the check. 

I didn't think much of this until I recently received 3 notices 1. dated XXXX -- - 2. dated XXXX both stating that if I didn't send them the Title to my vehicle I would be in default and that they will be forced to put a lien on me. 3 Notice dated XXXX Closing all my accounts I called the Branch Manager with this concerns, but all she ( XXXX XXXX - XXXX ) wanted to do was discuss the fact that occurred back in XX/XX/2021 with my loan. She refused to address my concerns with my notices. I called the US Bank XXXX number and spoke to XXXX but she refused to give me any written information that would assure me that it was taken care of. 

Today, I received a Certified letter from XXXX XXXX at the XXXX XXXX telling me that she had closed all my accounts including the checking account that we have had for over 40 years Account # XXXX. 

I believe that the methods used by US Bank not only are illegal and unethical but violate the fair credit acts and are discriminative Title VII. I need your help in resolving all this issues. For this reason I authorize you to speak to anyone at US Bank on my behalf. If you need copies of all the information that I have from US Bank let me know. 

Vehicle Account # XXXX VIN XXXX Checking Account # XXXX Title Service Department US Bank XXXX XXXX XXXX XXXX email XXXX Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a settled and closed account as open almost 2 years after the settlement took place
Product: Checking or savings account

I havent gotten paid yet. I usually get paid Wednesday.
Product: Credit reporting or other personal consumer reports

U have been disputing this item for over a year this is not my account removed this tradeline immediately it is affecting my credit score and I cant take out a mortgage if this is still on my credit..you guys sent me a letter saying it was deemed fraudulent so please remove this off my credit report I can sue for damages for inaccurate reporting by federal law you have 30 days to investigate this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX acct XXXX, has violated my rights. 

15USC 1681 Section 602 states ; I have the right to privacy 15USC 1681 Section 604A Section 2 states : A consumer reporting agent can not furnish an account without my written instuctions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 the utility company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  send me to collection for a bill of {$970.00} from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was not paid. I never lived the address where this account was opened and I never open this account. I contacted them about this charge and they acknowledge that was not mine. I disputed this with all XXXX XXXX XXXX all of them removed this from my credit file back in XXXX. But this late payment keep showing up on my Equifax Credit report. This been happening for the pass couple months and I'm getting tired about this charge. I will appreciate that Equifax remove this from my credit file permanent. Thank you.
Product: Credit reporting or other personal consumer reports

This is not an error and requires urgent attention. My credit report contains incorrect and mixed information, and I have repeatedly come across accounts, transactions, and items that do not belong to me. This situation is extremely frustrating and has caused me significant stress and XXXX.
Product: Checking or savings account

On XX/XX/2023 I logged into my online banking and saw 5 unauthorized transactions posted to my account. I proceed to lock the card trough online banking. 
I tried to reach customer service to request a new card and dispute those transactions, the answer from them is that they coulndt find my account information on the system because I dont have SSN. 
I been dealing with them many times without a solution. 

Unauthorized transactions : XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX  {$130.00} XXXX  {$370.00} XXXX  {$360.00} XXXX  {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report with XXXX, TransUnion, and XXXX and discovered a fraudulent account in my credit report. I am a victim of identity theft, and XXXX XXXX XXXX account ( acc no : XXXX ) was opened fraudulently without my permission and concern. I disputed this account with the credit reporting agencies, and I got a result that this fraudulent account has been deleted from my credit reports. But recently, I got a letter from TransUnion reporting agency that XXXX  XXXX XXXX is reinserted back to my credit report.
Product: Credit reporting or other personal consumer reports

After initially sending Experian a dispute letter to investigate my consumer report, I asked them to include any documents including signed agreements, receipts, and contracts in which they failed to provide. Experian responded saying that the information is " Verified '' but never sent any documentation or receipts to verify the alleged debt. I reached out to the creditors asking them to verify any debt in which I never received a response or the documentation. The information that's reporting to my consumer report is badly affecting my credit score putting me in hard times. I have no knowledge of who these creditors is nor did we have any mutual agreement. The accounts reporting are not mine and be removed if they can not be properly verified. The creditors reporting the accounts never had my consent to obtain or share my personal information with anybody which is a violation too my right of privacy. I am aware that it is Experian 's duty to do what's fair and equitable as a consumer in which I don't believe there was a fair investigation. 

Violations committed by Experian & the credit bureaus 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1692c - Communication in connection with debt collection
Product: Credit reporting or other personal consumer reports

I am disputing the account detailed below, which remains on my credit report despite your prior investigation. I request an immediate re-investigation as the inaccuracies are significantly damaging to my credit score. 

Account : XXXX XXXX  XXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX Under the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), please provide the names and business addresses of the individuals with whom you verified this account. Additionally, send me an updated copy of my credit report following your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted all of my " Credit Limits '' - of all my credit cards to the bureaus ' and my credit totals collectively add up to a total credit line of : {$110000.00} and the XXXXXXXX XXXX are only showing a top credit line of only : {$76000.00} which is a whopping " {$37000.00} '' missing limit which would greatly decrease my credit balances, and decrease my credit ratios. XXXX for the most part tend to be the most stubborn aggressor in changing my information to a correct status. This change will increase my credit ratios and scores. After all, these XXXXXXXX XXXX are in the business of reporting " Bad Credit '' - The worse the credit, the more credit reports and fees are collected because all consumers at some point must use their scores, for credit approvals, home purchases and car purchases..Just to name a few. But the Credit Bureau 's are making a killing in fees. I need for your organization to help me in keeping these XXXXXXXX XXXX  transparent, yet liable for their fraudulent actions. I have suffered enough by their inaccurate scoring models. Please help me to restore my Credit Standing, Scores, and proper reporting status