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

I filed for credit with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. when they attempt to check my credit, it is blocked by the credit bureau. it is not a lock, block, or freeze that I put on. In other words, the three ( 3 ) credit bureaus XXXX Equifax and XXXX have my credit blocked from creditors to obtain a credit pull. They won't allow them to see it, they won't allow them to get it. So, no creditor can get my score for a loan, or whatever. It is not blocked for me, I can log in with a username and password, and I can view my credit report online. However, creditors can not access the report. In Addition, all three credit bureaus have mailed me a copy of my credit report. I contacted all three credit bureaus, and I was told that I needed to send a back and front copy of my driver 's license and social security card for them to know who I was. This did not start until sometime between sometime on XX/XX/XXXX through XX/XX/XXXX of XXXX when I paid off a car loan to XXXX XXXX XXXX XXXX XX/XX/2023. Before, paid off my car, no creditors had any issues accessing my credit file with the three credit bureaus. there was no lock on it from the three credit bureaus. This complaint is one for XXXX XXXX for Equifax and XXXX for XXXX. All three are the same thing. In Addition. They are asking me to send a copy of my driver 's license and social card back and front. my identity was stolen years ago, and they took me through pure XXXX, and it took years to get it corrected. My information is correct, I don't understand if you don't know who I am why would you mail me a copy of my report. This is a scam the three credit bureaus are doing to me Because I have paid off my credit and my score went up high. My score last time I checked was XXXX when my score should be higher. I know it is the credit bureaus to keep my information safe, but not at my expense. I do not have a home. I need creditors to be able to access my file. I'm not sure who they think they are. whoever monitors them needs to do their job. I will never send a copy of my identity documents, again my identity has been stolen and they took me through XXXX. I want CFPB to contact all the credit bureaus and tell them to undo whatever they did. ASAP. The lady at the bank sent me an email saying, " Here 's the message on Equifax and XXXX. " Information from your inquiry has been identified as potentially fraudulent or misused, therefore, the credit report is not available for delivery>>> with information from additional data sources returned ( J ). '' From XXXX, " Requested information can not be scored or returned because data is suppressed or can not be evaluated. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The bureaus have not deleted these fraudulent items that are being reported let alone investigated anything. Also there is a bankruptcy that was filed XXXX  years ago that is still being reported that is past the statute of limitations. 

Please review the FTC report and information I have sent out thank you, XXXX XXXX XXXX
Product: Checking or savings account

Hi this is my 2nd complaint about this matter Im a poor XXXXyear old had my life savings stolen from my TD bank account ending XXXX and when I complained to TD and Investigator XXXX XXXX from TD was extremely nasty and unhelpful when I filed a police report they told me they have a lot of complaints on TD and they are the worst to deal with they dont protect or help fraud victims please help
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of negative account reported on my credit file that are injurious to my creditworthiness. This alleged account, " XXXX XXXX XXXX  '' have been reported in violation of multiple federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act. 

In accordance with the Fair Credit Reporting Act, Chex Systems Inc has violated my federally protected consumer right to privacy and confidentiality under the 15 USC 1681. Chex Systems Inc has violated my rights pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Based on 15 USC Code Section 1681c-2 a 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 not later than 4 business days after the date of receipt. Under 15 US Code 1681c ( b ) and 15 US Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Pursuant to 15 USC 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish accounts without my written instructions Legal Violations : 1. Violation of FCRA ( 15 U.S.C. 1681c-2 ) : Under this statute, a consumer reporting agency is required to block the reporting of any information resulting from alleged identity theft within four business days of receipt of such notification. This obligation has not been met concerning the disputed accounts.

2. Violation of Privacy Rights ( 15 U.S.C. 1681 ) : These accounts have breached my federally protected right to privacy and confidentiality. Specifically, 15 U.S.C. 1681, Section 602 ( a ), guarantees my right to privacy, which has been infringed upon by the continued reporting of this account without my consent.

3. Unauthorized Disclosure ( 15 U.S.C. 1681b ) : According to 15 U.S.C. 1681b, a consumer reporting agency can not furnish accounts without my explicit written consent. My permission has not been granted, making this reporting unauthorized.

Demands : Removal of Accounts : I demand the immediate deletion of the account listed in my previous communications from my credit file.

Blocking of Transactions : Per 15 U.S.C. 1681c-2, you are required to block these transactions from being reported within four days from the receipt of this notice.

Additionally, under the Gramm-Leach-Bliley Act : No Disclosure of Information : You do not have my permission to share any nonpublic personal information with nonaffiliated third parties or affiliates.

Opt-Out of Marketing : Please remove my name from all marketing lists and databases.

You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of the notice.

Please address these issues promptly, as failure to comply will result in further legal action to enforce my rights under the applicable federal laws. I expect a response confirming the removal of these items within the required time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. The creditors who have contacted me about this use Experian as their source for credit reference. I have attempted to contact Experian several times so as to freeze my small business credit. No one answers. NO matter what option is selected.It is an endless loop of instructions and alternate numbers to call, and each nuymber called does the same thing.They avoid ALL direct, human interaction.The long and drawn-out message merely says write them a physical letter which includes copies of all of my personal and private information that I am attempting to protect including SSN, DOB, copy of drivers license, and more. Then it just hangs up without further option.This is nonsense!
Product: Credit reporting or other personal consumer reports

XXXX XXXX and a Agency names XXXX and the DEPARTMENT OF EDUCATION have all three reported on my credit report without my permission which is illegal According to the Fair Credit Reporting Act Section 605B I respectfully and lawfully demand that these inquiries be removed immediately from my any credit report baring my, copyrighted NAME to avoid legislation involving these matters. FTC and Secretary of State will be contacted to do further investigation.

Please Be Advise this is an opportunity to cure before the administrative process begins.

I have emails, screen shots and well dated records as well however it is my intention to settle these errors in an out of court proceeding/arbitration.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : Cushman v. TransUnion Corp. ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data.

Dennis v. BEH-1, LLC ( 2002 ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages.

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent.

Please remove, block or provide me with your investigation results in written form throug
h the USPS for this account : XXXX XXXX # XXXX
Product: Student loan

ED Financial XXXX account number Ed Financial has not update the credit bureau 's since XX/XX/. 
I've tried contacting with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681c2 - Block of information resulting from identity theft If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. 
See attached also
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equitax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax 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 ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
I want the CFPB to publish this
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are require to remove any item 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. 
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX BANK XXXX Date opened XX/XX/XXXX Balance {$0.00} ; CHILD SUPPORT XXXX XXXX Date opened XX/XX/XXXX Balance {$28000.00} ; CHILDSUPPORT XXXX Balance {$28000.00} ; Bankruptcy XXXX XXXXXXXX US BKPT CT XXXX XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; Bankruptcy XXXX XXXXXXXX US BKPT CT XXXX  XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card

I received and email from XXXX XXXX/TD Bank that stated If I opened my account prior to XX/XX/XXXX, I needed to reset my password. I made several attempts, but each time, the system stated that my information was incorrect. Now I am locked out of my account. I have tried calling this company numerous times at the provided telephone number ( XXXX ) XXXX. However, nobody answers the telephone. I have waited at times for over XXXX hours during their normal business hours and nobody will answer the telephone. Now I am locked out of my account, and nobody will assist me with gaining access to the account.
Product: Debt collection

I have received phone calls from the following number twice during business hours this week XXXX/XXXX/2016 - XXXX/XXXX/2016 : XXXX. The agency identifies themselves as Transworld Systems Inc. and states that I have unpaid medical debt. 

I have carried XXXX Identity Theft insurance for the last 13 months, and credit/identity monitoring through XXXX. I contacted XXXX and was advised to pull my XXXX credit reports and call back to review them with a consultant. All XXXX credit bureau reports were clean for collections accounts and accounts in negative standing. I was advised to ignore the calls and submit this complaint. I have also never spent time in a hospital or otherwise received medical treatment beyond standard primary care of my physician.
Product: Credit reporting or other personal consumer reports

I am disputing this repossession under the provisions of the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681c-2, which states that information regarding a fully paid or settled repossession may not be included in a consumer report unless the consumer has explicitly consented to the inclusion of such information after being informed of their right to refuse consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Checking or savings account

On XX/XX/year> I tried to do a wire transfer to my brokerage account. This was my first time doing this with WELLS FARGO. Any other bank Ive done it with, no problem at all. The wire never goes to my brokerage account, but yet I get the funds removed from my account. Even after about 10 business days nothing has came to my brokerage account. I called to a dispute last week, called to get an update today they just started on it yesterday. This has put me in a financial hardship and I need to pay my mortgage. They dont even try to be courteous and give me a temporary credit. Only thing multiple people have told me is that it can take from 10 business days to 90 business days. This isnt fair I just would like to get this resolved and never deal with them again, horrible customer service.
Product: Credit reporting or other personal consumer reports

XXXX contacted and sent multiple letters to XXXX, XXXX, and Transunion concerning inaccurate information on my consumer credit profile such as the reporting of late payments, and credit utilization, and inaccurate personal information such as names, addresses, phone numbers, and employers. Under the Fair Credit Reporting Act, as outlined in 15 USC 1681, it's explicitly mandated that consumer reporting agencies like XXXX, XXXX, and Transunion must handle their responsibilities with fairness, impartiality, and a profound respect for consumer privacy. As a consumer, I have an inherent right to safeguard my private information, backed by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and protect their nonpublic personal information. The entities providing information to credit agencies, known as " Furnishers, '' fall under this definition of financial institutions. According to 15 USC 1681, Section 604 ( a ), any consumer report furnished by these agencies should strictly adhere to the written instructions of the concerned consumer. I assert that XXXX, XXXX, and Transunion the Furnishers of information to credit agencies have no right or written consent from me to furnish my information. All forms of consent, be it verbal, non-verbal, written, or implied, are hereby revoked. Moreover, under 15 USC 6802 ( b ) ( c ), financial institutions can not disclose nonpublic personal information to THIRD parties unless consumers are given an explanation of how to exercise their nondisclosure option. The failure to inform me of this right by the Furnishers is a notable omission. Additionally, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information without proper authorization. This inclusion, without my consent, violates the law. Furthermore, as per 15 U.S. Code 1681s2 ( A ) ( XXXX ), agencies are prohibited from furnishing inaccurate consumer information knowingly. XXXX, XXXX, and Transunion should maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, to prevent violations and limit the furnishing of consumer reports. reporting transaction history is illegal per this code Lastly, 15 USC 1681 ( c ) states no adverse items besides the conviction of XXXX  should be on the consumer credit profile and any item that is derogatory mark is not allowed into the consumer reports. This is a violation and anything added to the consumer report without written consent could be considered identity theft according to 12 CFR 1022.3.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 or other personal consumer reports

On XX/XX/XXXXXXXX XXXX XXXX XXXX, an Experian representative picked up a dispute letter sent certified mail from the postal facility in XXXXXXXX XXXX The dispute letter pertained to incorrect and outdated personal information on my credit report. In detail removing all non legal names and out of date addresses, employers, and phone numbers. On XX/XX/XXXXXXXX XXXX XXXX XXXX, I called Experian to confirm receipt as I had not received anything in return from them. After being on hold for 31 minutes the representative I was transferred to stated they have no record of the dispute.