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

How many letters do I need to send to the Credit Bureuas for them to pay heed to my disputes? I have been sending countless letters and complaints for more than two years now and yet the Credit Bureaus can not complete my requests for proper verification of my Credit File and Remove any fraudulent information being reported. But despite all my efforts to establish communication with the Credit Bureaus, is is clear that the Credit Bureaus fine joy in ignoring a client 's requests. I have read that the Credit Bureaus is required to remove any accounts and information that the Consumer considers as items incurred due to identity theft. I am now submitting this complaint to inform the Credit Bureaus of how frustrated I am and I am willing to take a legal action and sue the Credit Bureaus for their willful non-compliance of the Fair Credt Reporting Act section 605b. If it not that too much trouble, I need the following items removed immediately : XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$190.00}
Product: Debt collection

XXXX XXXX XXXX has posted the same debt twice on my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Self-Financial ( the company ) is furnishing derogatory payment history to my XXXX credit file. I always paid as agreed and closed the account appropriately. Prior to closing the account, the representative from Self Lender assured me that the account would remain in good standing. Now I can not get approved for a mortgage due to this inaccurate reporting. Credit Builder Account ending in XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I have been unable to access my free annual credit report through XXXX website and mobile app, as well as being unable to file disputes on their platform. This has been an ongoing issue, and despite several attempts to log in and resolve the matter, I have been denied access to my account. 

Key Details : Attempts to Log In : I have tried multiple times to log in using my credentials, but I repeatedly receive error messages that prevent me from accessing my account. 
Customer Service : I have contacted XXXX customer service, but no resolution was provided. [ Include specific dates, times, and the names of representatives if possible. ] Dispute Access Blocked : In addition to the login issue, I am unable to file disputes online, which is a violation of my rights under multiple consumer protection laws. 

Laws Potentially Violated : XXXX. Fair Credit Reporting Act ( FCRA ) : TransUnion is violating my right to access my free annual credit report ( 15 U.S.C. 1681g ) and my right to dispute inaccurate information on my report ( 15 U.S.C. 1681i ). Their failure to allow me to dispute errors online also contradicts their obligation to maintain reasonable procedures to ensure accuracy ( 15 U.S.C. 1681e ).

2. Consumer Financial Protection Act ( CFPA ) : Under the CFPA, TransUnions actions could be considered unfair, deceptive, or abusive acts or practices ( 12 U.S.C. 5531 ). They are failing to provide me with the access I am entitled to under the law.

3. Federal Trade Commission Act ( FTC Act ) : By not providing access to my credit report and blocking my ability to dispute errors, TransUnion is engaging in potentially unfair or deceptive practices, which is prohibited under the FTC Act ( 15 U.S.C. 45 ). 
XXXX. XXXX XXXX XXXX XXXX and Consumer Protection Act : TransUnions practices may violate UDAAP provisions ( 12 U.S.C. 5531 & 5536 ) by unfairly restricting access to credit report information and dispute processes.

5. Electronic Signatures in Global and National Commerce Act ( E-Sign Act ) : If TransUnion is providing electronic access to credit reports and disputes but not making them accessible to me, they may be violating the E-Sign Act ( 15 U.S.C. 7001 ).

6. Equal Credit Opportunity Act ( ECOA ) : By limiting my ability to access my credit report and dispute errors, TransUnion may be violating the ECOA ( 15 U.S.C. 1691 ) by potentially preventing me from accessing my credit history.

7. Fair and Accurate Credit Transactions Act ( FACTA ) : TransUnions actions may hinder my ability to monitor my credit for identity theft, violating my rights under FACTA ( 15 U.S.C. 1681m ).
Product: Checking or savings account

Hi I went to mt bank to open a account they failed to open a account and won't let me open account now I need for my ssi money
Product: Credit reporting or other personal consumer reports

I am deeply concerned by the lack of responsibility shown in addressing the inaccuracies on my account. When will XXXX correct the erroneous information on these accounts which are appearing on my personal credit file? Despite my repeated requests over the past months, no action has been taken. Please cease any delaying tactics and rectify the accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated previously, under the Fair Credit Reporting Act, 15 U.S.C. Section 1681i, you are required to reinvestigate and update these disputed accounts. Please provide me with the names and addresses of the persons contacted. According to 15 U.S.C. Section 1681i ( 5 ) ( A ), you have fifteen ( 15 ) days from receipt of this letter to complete these actions unless you notify me otherwise. Failure to verify within this timeframe will be considered non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a response to a dispute regarding a reinserted judgment, that I made under FCRA 611 ( a ) ( 1 ) regarding an erroneous item on my credit report involving a Chapter XXXX Bankruptcy. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. In a letter provided to me by your company it states the information has been verified by the company your obtained the information from. That company XXXX XXXX has sent me a letter ( XXXX ) stating this item has now been removed. If they have done their due diligence in correcting this erroneous record how is it you all are stating it is verified?
Product: Credit card

I ordered an item from XXXX that was never delivered. I lodged a complaint with the website, and then followed the entire dispute process in order to have it corrected. I signed an affidavit from XXXX acknowledging that I never received the item, and followed up with the company multiple times, until the process was complete. In the meantime, XXXX advised me not to pay on the account, and that it would be frozen for the length of the investigation. My account fell past due, and racked up late fees and finance charges. After the investigation was complete, I was told by both XXXX and Comenity Bank ( lender ) that all charges would be removed, and the reporting would be corrected with the credit bureau. The charges were removed including all late and finance charges, and I thought the situation had been resolved. My wife and I are in the process of buying a home, and I have just recently found out that there is significant delinquency reported on my credit report. I have a perfect report, with the exception of " serious delinquency '' as a result of my account with Comenity Bank. My loan officer advised me that she needs a letter from Comenity in order to escalate and re-score my credit through the respective credit bureaus, however each of my attempts to contact Comenity have resulted in them directing me to the credit bureau dispute process. My wife and I have sold our home, and need to close on the one that we are under contract with - I explained this to Comenity, and that I do not have time to follow the lengthy dispute process. In addition, this is not my problem to solve - it was supposed to have been corrected back in XX/XX/2015. Further, an open credit bureau dispute could potentially cause our loan to not be underwritten. We can get a loan with my current score, but the interest rate is reflective of my inaccurate report, and significantly higher than it should be. We are out of options, and so I am asking for help from the CFPB. All I need from Comenity is written acknowledgement that my account was never past due - that any delinquency was as a result of the investigation into the item that was never delivered to my residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

USbankReliaCArd was frozen since XX/XX/XXXX. 
XX/XX/XXXX Placed a call to XXXX, was told to fax drivers license and non federal emplyee to XXXX which I did on XX/XX/XXXX with confirmed receipt. 
XX/XX/XXXX did a follow up call, was told it will take 5-10 business days to procees. 
XX/XX/XXXX Placed a call, was told to send a selfie to Verify.USbank.com/Retail which I did. 
as documents not found.Requested as call from Supervisor. 
XX/XX/XXXX Call from XXXX, Supervisor, unable to find documents to refax documents. 
XX/XX/XXXX Documents refaxed to same number as stated above. 
XX/XX/XXXX Followup call, need selfie send to Verifu USbank.com/ID XX/XX/XXXX CAll placed, card still inactive. 
XX/XX/XXXX Placed a call again, still no determination, was told told to call back XX/XX/XXXX.
Product: Checking or savings account

I contacted the branch that I opened an account with I supplied all pertinent information even the corrections. I indicated to them that I wrote a check and if that check did not clear I could be held liable for fraud or writing a bad check. 

the branch XXXX said so and she did not care and she froze my account and funds. I told her this is illegal and I will be pursing a complaint against her and the agency. She is very unprofessional. 

The XXXX XXXX received those funds and the state cleared them and they stated to where I wrote the check that it did not clear and the funds was insufficient which was a major lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all incorrect information on my credit report with transunion. checking my data ive noticed Alot of errors that is hindering my file. I'm intrested in updating my credit report to clear all my files.
Product: Credit card or prepaid card

My husband is XXXX XXXX military. He is eligible for the XXXX civil service members relief act with his orders. It was time to renew the order and the benefit was not applied to my credit card which he is an authorized user on. I contacted USAA in XXXX to find out why all of the account other than this credit card received the renewal. I was told he has been removed as an authorized user on my account. I never gave permission for this or authorized this. Usaa claims it was done in error when I had a fraudulent charge show up on my account and when the new card was mailed out, he was inadvertently removed. They initially said this was their mistake and he was put back on the account and they were suppose to correct the benefit so it was applied to this account as well. 

Its been a month with no resolve. I have contacted back several times. No one returns my call. Today I spoke to them and was told they called back but my voicemail was full ( not correct ). I checked my phone records and have no call from them. They refuse to tell me the date and time said call was made. 

Now I am being told it wasnt an error he was removed from the account- its something on my end I did. They are very vague about what I may have done that caused his removal. I was told possibly something was selected online when my card was hacked. They can not provide any specifics about why he was removed without my permission or what can be done to resolve this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Dear Equifax I am writing regarding my previous dispute, submitted on XX/XX/XXXX, about inaccurate information on my credit report. Despite my efforts to have the errors corrected, the matter has not been resolved. This account is clearly still not Metro 2 compliant. This account is clearly inaccurate & incomplete, so how did you guys even verify this account. Now you guys are neglecting my character & intelligence. 
I am now submitting this second request for an investigation on the procedures Equifax used to verify this account or remove this account off my credit file : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX FIX ERRORS OR REMOVE FROM REPORT Two-Year Payment History ( XXXX ) ( XXXX ) DIFFERENT REPORTINGS FOR PAYMENT HISTORY. HOW ARE THERE XXXX DIFFERENT PAYMENT HISTORYS REPORTING? 
NO 30 DAY LATE BUT SKIPPED TO 60 DAY LATE. IF ITS NO 30 DAY LATE HOW CAN IT BE A 60 DAY LATE? 
XXXX : HISTORY IS DIFFERENT ACROSS ALL CREDIT REPORTS XXXX : NONE REPORTING FOR XXXX Equifax : NO 30 DAY LATE BEFORE XXXX, SO HOW DID IT SKIP TO REPORTING 60 DAY LATE IN XXXX, HISTORY IS DIFFERENT ACROSS ALL CREDIT REPORTS High Balance ( XXXX ) HIGH BALANCE IS {$9900.00}, SHOULD BE {$0.00} XXXX : {$0.00} XXXX : {$9900.00} Equifax : {$9900.00} Last Verified : NO DATE REPORTING. HOW IS NO DATE REPORTING FOR LAST VERIFIED, BUT EQUIFAX SAID THEY VERIFIED? 
XXXX : No Date Reporting XXXX : XX/XX/XXXX Equifax : No Date Reporting Date of Last Activity ( XXXX ) ( XXXX ) DIFFERENT DATES FOR DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES REPORTING? 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date Reported ( XXXX ) ( XXXX ) DIFFERENT DATES FOR DATES REPORTED. HOW ARE THERE XXXX DIFFERENT DATES REPORTING? 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date Opened ( XXXX ) ( XXXX ) DIFFERENT DATES FOR DATE OPENED. HOW ARE THERE XXXX DIFFERENT DATES REPORTING FOR ACCOUNT OPEN DATE? 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Closed Date ( XXXX ) NO CLOSED DATE REPORTING. HOW IS IT THERES NO CLOSED DATE ON A CLOSED ACCOUNT? 
XXXX : No Closed Date Reporting XXXX : XX/XX/XXXX Equifax : No Closed Date Reporting Dispute Status ( XXXX ) DISPUTE STATUS SAYS ACCOUNT NOT DISPUTED, DESPITE ME DISPUTING ACCOUNT MULTIPLE TIMES XXXX : XX/XX/XXXX : Account not disputed XXXX : XX/XX/XXXX : Account not disputed Equifax : XX/XX/XXXX : Account not disputed Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. If you believe the information is accurate, I request that you provide me with the following : The whole procedure used in your investigation to verify this account. 
Verification documents from the furnisher of the disputed information. 
If the disputed information can not be verified or is deemed inaccurate, I request that it be removed from my credit report in compliance with the FCRA.
Product: Credit card

On XX/XX/year> I received a letter from Synchrony payment security stating that they would not cover my credit blance because my payment security program was cancelled on XX/XX/year>, upon speak to synchrony twice on XX/XX/year> I was informed that some one from Pay Pal Master card cancel my payment security program, closed out my account and enrolled it into a credit card hardship program without my authorization. 

On XX/XX/year> I spoke to XXXX representative with XXXX XXXX XXXX some one in hardship and some one in customer who informed me that they did not contact synchrony and remove from payment security they there job is to offer customer payment security when they call before the hardship program if they have it on there cards. XXXX XXXX XXXX informed that XXXX, that someone called in with a debit card ending XXXX and made a payment on my card and enrolled me in the hardship program for {$100.00}. It is no way I would enroll myself in that program if I had filed a benefit with payment security. XXXX made a payment towards benefit reuest # XXXX in XX/XX/year>, none of this makes sense. please review attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to EXPERIAN. In my credit report from XX/XX/2023, I found some derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity and also unauthorized inquiries .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Applied for a mortgage with Fairfield Mortgage Company in XX/XX/2016 and was approved for a mortgage in XX/XX/2016. It is now XX/XX/XXXX and still have not closed. I have been lied to about closing dates happening that never occurred. I continually get the run around about when the closing date will occur which leads me to believe they are not being truthful with me and continue to lie about what is really happening here. I continue to get lip service from XXXX, who is supposed to be the boss, that he was going to do this and that and there would be no problems ex.He said ( in emails ) that he would overide the 90 day period that the loan was good for ( never happened ) and talk to the President of the bank which he never did. Mortgage has been delayed because of mistakes made by this company that should not have been made if they knew what they were doing such as telling me to show a certain amount being withdrawn from a bank acct when in fact it was the wrong amount which caused a 3 week delay because I had to get it changed. I do n't believe they even have a bank for the mortgage but keep playing games with me till they find one. They should not be selling mortgages
Product: Credit reporting or other personal consumer reports

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. Please take out the following items : 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 XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$9900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a letter from my experian consumer agency that they will not block the information of my consumer report because I did not submit proof of identity theft report from FTC which I did in my case # XXXX. I also provided proof of my identification in that file which I will send again. Also in this files is FCRA 605B ( 15 U.S.C. 1681c-2 ) states consumer reporting agency must block 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 by such agency. It does not say after you do an investigation. It states by law 4 business days then you reach out to the company. I have done my performance and I gave you instructions on what to do with my consumer report. If my rights continue to be violated I will start my arbitration.
Product: Debt collection

I received a call from XXXX XXXX on XX/XX/19 from XXXX XXXX XXXX, he advised me that he was collecting on behalf of XXXX XXXX XXXX XXXX to recoup/collect XXXX as a result of claiming that I didn't have auto insurance and hit XXXX XXXX 's driver. I had auto Creditor Placed Insurance on the vehicle by XXXX thought XXXX XXXX XXXX. Their letters do not specify what type of insurance was required. I was asked to provide proof of insurance in which I did. I was advised that he would have my license suspended and tags revoked. I requested proof of debt and have yet to receive this information. I requested information to appeal and/or dispute with XXXX XXXX and he advised me that I have no legal recourse or option to appeal. I called XXXX XXXX again on XX/XX/19 to discuss the concern of my license being suspended per his threat. He then suggested that I contact XXXX XXXX directly to discuss the concerns with them and advised that they may withdraw to continue collections. On XX/XX/2019, I mailed a letter to XXXX XXXX XXXX and XXXX XXXX XXXX to advise them to cease and desist. I submitted a letter of appeal with proof that I had insurance in addition to showing that their insured driver hit my car. I didn't strike their car. KY and VA is a no fault state. My insurance was through XXXX XXXX XXXX. My insurance paid for my car 's damages caused by their driver, and XXXX XXXX paid for their insured 's damages. I've provided the same proof of insurance to the police with no ticket or penalty. I am working on an assignment here in XXXX, XXXX yet my license is from XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following account XXXX XXXX. The balance on this account is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 30 days and the creditor has not updated any information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. 

Under federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible. 

XX/XX/XXXX {$180.00}, XX/XX/XXXX {$180.00}, XX/XX/XXXX {$180.00}, XX/XX/XXXX {$180.00}
Product: Debt collection

Speedy Cash loan is reporting as a collection in my XXXX when the account was already paid off and closed. It even shows I dont owe anything yet still reporting on my XXXX as a negative item In my collections please help. The account is still showing its opened when that is inaccurate
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian, XXXX, and XXXX for failing to investigate and correct fraudulent accounts, derogatory items, and inaccurate personal information on my credit report. 

In XX/XX/XXXX, I was a victim of identity theft, and fraudulent accounts were opened in my name, including XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ). Despite providing police reports and fraud affidavits, these accounts remain on my credit file, violating FCRA Section 605B.

Additionally, multiple charge-offs, repossessions, and derogatory accounts ( XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Card XXXX and XXXX XXXX XXXX XXXX despite improper verification under FCRA XXXX XXXX. I also have unauthorized inquiries ( XXXX XXXXXX/XX/XXXX XXXX and incorrect personal information. 

The CFPB recently sued XXXX and Experian for failing to conduct proper dispute investigations, and my case aligns with this pattern of negligence. I demand : Removal of fraudulent accounts and unauthorized inquiries Deletion of incorrect derogatory items Correction of personal information Failure to act will result in legal action under FCRA Sections 616 & 617. I request CFPB intervention to ensure compliance. 

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

I retrieved a copy of my personal credit report and saw that a bankruptcy had been reported across all three major credit bureaus. 

I contacted the US. Bankruptcy Court to investigate this information and to verify who they report information to. 

The Bankruptcy court responded saying that they do not report information to any credit bureaus. 

I contacted all three bureaus and enclosed a copy of the correspondence that I received and requested that the inaccurate information on my report be removed immediately. 

I received no response from any credit bureau in regards to this.