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

Please see the attachments for proof of receipt and notice sent. 

I called EXPERIANs customer service department at XXXX on XX/XX/2022 in regards to my notice of dispute. I spoke with a representative whom identified herself as XXXX and was working on behalf of EXPERIAN at XXXX. As a courtesy I advised XXXX that I was recording the call for my own quality and assurance and because EXPERIAN was recording that I had the right to record the call. XXXX rebutted that it was EXPERIANs policy that they could record but we could not continue with the call. XXXX stated she didnt give consent to the recording, and I rebutted that I am in a one person consent state and that I consented to recording. She denied me the ability to gain clarity on my dispute because I was recording ; however, she did transfer me to a supervisor whom identified herself as XXXX and was working on behalf of EXPERIAN at XXXX. XXXX gave the same response after I explained that I was giving her the same courtesy as the previous representative that I was recording for my own quality and assurance. XXXX advised that we could not continue the call if I was recording and stated that EXPERIAN was recording the call for their quality and assurance. I questioned what federal law states that I cant record and she just repeated the same response that it was EXPERIAN policy. I asked what was the difference in EXPERIAN recording and me recording. XXXX was unable to give me a valid reason and only resorted to it was company policy. The call was disconnected at XXXX. 

I called EXPERIAN back at XXXX on XX/XX/2022. I went through the prompts and waited until XXXX upon which I was connected to a representative whom identified herself as XXXX XXXX I advised XXXX that I had confirmation that my notice of dispute was received on XX/XX/2022. XXXX advised that the dispute was initiated on XX/XX/2022. I asked XXXX why were the accounts in dispute still being furnished on my consumer report and file. She said that EXPERIAN does not have the ability to delete the items only the furnisher. I rebutted her that I gave notice and stated 15 USC 1681i says that you must delete the accounts prior until the completion of the 30 days for reinvestigation. XXXX repeated her response. I rebutted with you are failing to comply with the requirement of 15 USC 1681i under which EXPERIAN was civilly liable for willfully and knowingly not complying as I gave EXPERIAN notice that they were violating my consumer rights and are continuing to do so. I asked to speak with a supervisor and was denied. XXXX stated that there was no supervisors available and I advised that I was just disconnected from one. She only offered a call back with a supervisor between 24-72hours before ending the call at XXXX.
Product: Debt collection

I have sent a dispute to IDEAL COLLECTION SERVICES regarding account XXXX to removed and delete account XXXX because it was Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting ( i ) bankruptcy in my credit report and ( ii ) wrong balances of my car loans from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX consistently. They are engaged in " willful FCRA '' violations. I have hopelessly spent over XXXX XXXX  in attempting to correct this issue and including many other credit errors, since XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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: Debt collection

I was looking at my credit report and noticed a debt in collections for nearly XXXX. I was shocked because not only have I never been late on a bill before, I've never been in collections. The information of the report did not indicate what the bill was so I disputed it and they returned with the fact that it's a medical bill. I have NEVER heard of this medical office and I have never been contacted about a payment owed. The only time I was in the hospital was to give birth to my daughter and I know everyone who was my medical team. I assume this is fraudulent at best and predatory at worst.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle numerous times and reporting discrepancies, my financial institutions and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

on my XXXX  report, I have found collection account from Charles Schwab bank, however I do not have any relation to this bank, and account seems to be opened under my name fraudulently, as I am not living in the XXXX for XXXX  years Date reported : XX/XX/2019 Account number last XXXX digits : XXXX The amount owed : XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX O XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX ( Original Creditor : XXXX CHARTER COMMUNICATIONS ) XXXX Balance : {$230.00} ACCT XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ACCT XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CHR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail on XX/XX/21 stating that I applied for a Bloomingdale store credit card and was declined. I did not apply for this credit card ; this is fraud. I would like this credit card inquiry removed from my credit report.
Product: Credit card or prepaid card

The only phone number I was on hold for 2and a half hours one night and it hung up on me. Then the next day I was on hold for 4hours to get disconnected. Now on day three it's a busy sound
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion concerning their failure to address the inaccuracies on my credit report, despite my efforts to rectify the situation. 

On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report. In addition, I disputed incorrect personal information listed on my credit report. These inaccuracies have adversely affected my financial standing and credibility. 

Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing all necessary information, TransUnion has failed to acknowledge or act upon my dispute within the legally mandated timeframe. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response back from TransUnion dated XX/XX/year> stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 


I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, TransUnion 's failure to respond appropriately has caused unwarranted stress and financial implications for me. 

I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel TransUnion to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 

Enclosed with this complaint are copies of all relevant documentation, including a record of the dispute letter sent to TransUnion and a response letter from Transunion.
Product: Debt collection

Remove both accounts from consumer Equifax Report XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S. Code 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 results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible Purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENITITY THEFT.
Product: Mortgage

I experienced a fairly large reduction in my disposable income which also resulted in the need to restructure and reorganize. A couple of family emergencies increased the need for funds which was now, a tool to leverage the available assets to fund recovery. In my search for an " equity '' loan, I was contacted by XXXX XXXX XXXX XXXX, Loan Officer with Prosperity Home Mortgage LLC. I was offered {$240000.00} and I accepted on XX/XX/. I was later offered {$77000.00} but never received anything from either contracts. I was denied my own credit which has to be fraudulent because I tendered signature and allowed access to the social security account. I was also charged {$450.00} for a new assessment of the property value. This is illegal as the total amount that was taken from my account totals {$320000.00}. If it was not taken, it will show by evidence of a forensic financial audit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : 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 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 XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates associated with item being disputed : opened XXXX XXXX Explanation of items being disputed : Based on, 15 U.S. Code 1681c2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Enclosures : Federal Trade Commissions Identity Theft Affidavit.
Product: Credit reporting or other personal consumer reports

Upon receiving a free copy of my credit report I noticed a few accounts that were inaccurately reporting.. I disputed the information back in XXXX and all Equifax did was put a notice of dispute and the inaccurate account continued to report. The account type says a collection account but the account status says open. This is inaccurate reporting because a collection account can NOT be open. 

This is a violation of 15 USC 1681i ( a ) ( 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.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC XXXXeports regarding the account that do not belong to me.
Product: Checking or savings account

The transition of BB & T and SunTrust into Truist has created an unbearable customer service issue. Wait times are over an hour. Former SunTrust branch employees ( XXXX XXXX XXXX in XXXX ) told me that they can not assist me without coming into the branch and presenting ID as of XXXX XX/XX/2022. 

Communications from the staff indicate that XXXX XXXX is the first date we should expect " connected '' services. 

My husband and I have spent cumulatively XXXX hours or more to get to any telephone support. 

Meanwhile, Truist is spending money to advertise, but is not investing in reasonable customer service assets. 

We do not have access to transfer funds from our account, despite a ~ $ XXXX balance as of this correspondence. 

XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/2021 my card was charged {$33.00} from XXXX in XXXX NY. This represented my entire balance on the card. 

2 other charges were rejected due to lack of funds. {$.00} for a store in XXXX Colorado and XXXX for XXXX in XXXX AZ on the same day. 

Obviously my credit card number got compromised. 

Cash App compnay will not issue provisional credit as provided for in the terms of service for using the VISA card service.

They say it could take up to 55 days or resolution and it may not end favorably for me. Again, VISA protections indicate we as consumers are safe from fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$1000.00} EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX : XXXX, XXXX, L XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XX/XX/XXXXXXXX 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 to be removed/updated. 

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. 

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

In XXXX I lived in apartment building in XXXX due to extreme XXXX  XXXX. I reach out to the landlord and let them know for my safety I had to move immediately. As the law required a tentant I proved an verify XXXX XXXXXXXX by providing them with a letter from a XXXX XXXX worker an my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. they stated i had to pay the remaining of the lease I refuse paid my last month an left. they became upset an reported XXXX paid fee of XXXX dollars to Transworld system who has continued to ignore my pleas an legal paper work an have continued to refresh the report even though it has passed the XXXX term as recent reported i have reach out to them with no prevail. I have also disputed it several times to all three bureau XXXX XXXX XXXXXXXX.transworld system has open this report as recent as XXXX an claim that the report has been open in XXXX XXXX XXXX an XXXX months i have lived at my address for XXXX please help as a mother of XXXX boys who is in the process of buying a home i need help to stop this XXXX XXXX XXXX XXXX XXXX to further my kids an i future.