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

Recently, I did an investigation on my credit report and found several items on there to be ifaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect agencies to handle this dispute with the utmost seriousness and compliance with legal standards. I can provide my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2024
Product: Credit reporting or other personal consumer reports

Personal information was made public to 3rd party agencies as well as inaccurate information on my personal consumer report without my expressed written consent in writing. I also believe but can not verify that Transunion as well as other 3rd party agencies benefitted monetarily in sharing my restricted private information.
Product: Money transfer, virtual currency, or money service

Today- XX/XX/2021. Someone hacked my cash app account after my stimulus check was deposited. I received emails telling me my email and phone number had been unlinked from my account. Right after. I received an email telling me my stimulus check had been deposited to my cash app. I have no way of getting into my account. And when I contact cash app support they are telling me they cant help me. I am a single mom of XXXX who does not get child support. I really needed that money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaints with XXXX  and other credit reporting agencies regarding two OLD accounts with USAA Savings Bank regarding ongoing delinquent reporting that brings my credit score down every month. USAA Savings Bank continues to report late payments on these two accounts that were closed in XXXX - five years ago. The joint accounts with my ex husband were charged up by him during our divorce in XXXX, then he filed Chapter XXXX bankruptcy, discharged on XX/XX/XXXX. USAA Savings Bank then discharged the debt, but continues to report late payments on my account each and every month. There is NO balance, there are NO payments due ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Twice has Equifax investigated a frauduelnt account and removed it after a 30-day investigation from my credit report to months later begin re-reporting the fraudulent account. Upon calling in Equifax to submit a " new '' police report ( because the old one that was used to remove the fraudulent account the first XXXX times is now expired ), social security card and id because everything expired from my original dispute that took 30 days and removed a fraudulent account from XXXX XXXX XXXX XXXX XXXX XXXXhe Equifax representative said once received it would be removed again. 

Equifax is currently furnishing incorrect and fraudulent information on my credit report. As a background, Equifax investigated the fraudulent account on my credit report from XX/XX/22 to XX/XX/22. The results of the investigation were completed on XX/XX/22 and mailed to me indicating that the fraudulent account had been investigated and was removed from my credit profile. I was provided with confirmation number XXXX to confirm this and a new copy of my credit report without the fraudulent item no longer reporting. A month later, Equifax begins to re-report this fraudulent account that had previously investigated and removed. I called Equifax and they indicated that I can dispute it again and wait another 30 days for the results. I did this and waited another 30 days while the fraudulent account reported in error on my credit report and it was removed again a second time. 

Now, for the third time, it has reappeared and I am going through the same process again and just filed a new dispute for a fraudulent item that has been investigated and found to be fraudulent twice already by Equifax. I am hoping that the fraudulent item can be removed for good this time as is a direct violation of the Fair Credit Reporting Act.
Product: Debt collection

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I will be entitled to under Section 616 and Section 617 if the UNVERIFIED debt with XXXX XXXX XXXX with a balance of XXXX with file # XXXX if this account is not deleted from your file. 

I`m making this complaint through the Federal Trade Commission so it can be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

To my knowledge, I never done business with your XXXX XXXX XXXX and I have no legal binding contract with this company. Per FCRA, I`m demanding this XXXX XXXX XXXX provide me an original documentation ( a consumer contract with my signature on it, showing I have an agreement with XXXX XXXX XXXX as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

Now that you have violated the FCRA, because I have no contract with XXXX XXXX XXXX. I will be entitled to XXXX per occurrence of each violation. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX XXXX XXXX with a balance of XXXX is not deleted immediately from your file. 

This unverified item will be in violation of Federal Law once you report it to my credit report. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax REFUSES to remove fraudulent and unauthorized inquiries. This is against FCRA rules and regulations. False and inaccurate information MUST be removed from a persons credit file. Ive disputed several FRAUDULENT inquiries and only get a reply of inquiries are a factual record, ok, BUT NOT WHEN THEY ARE DONE FRAUDULENTLY!!!!! these inquiries NEED TO BE REMOVED IMMEDIATELY. Ive put in a new disk it e and expect these fraudulent inquiries to finally be removed. 

Dispute confirmation # XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. The account with XXXX XXXX account # XXXX has been closed and removed from my XXXX report due to these violations but Experian and XXXX have not complied with the laws to remove this account with has violated several laws as well as these credit agencies listed above. The first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : XXXX XXXX XXXX XXXX, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized.
Product: Debt collection

For about 6 weeks, we've been getting repeated robocalls from TransWorld Systems , Inc. saying we have an outstanding debt. We 100 % do not. This is absolutely a scam. The call is recorded and tells us to call another number, but we're not going to do that because we are 100 % certain we do not owe any money. I've tried to block some of the calls with my carrier, but they continue to pop up under different telephone numbers ( also a sign of a scam ), including : XXXX XXXX XXXX If we owed money we would have gotten notification in the mail. None has come. And a quick search online shows this company is especially egregious. Indeed, it looks like CFPB has tried to reign them in in the past, but clearly it hasn't worked : XXXX XXXX XXXX
Product: Credit card or prepaid card

The text message was received from XXXX number with text BofA : We have restrict your ability to use your BofA card. Follow the link below to reactivate it And the link to XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the page links are inactive, except online id field and password and submit button. 
Where all personal information requested - like : Name Address SSN online id and password Dob Card number, security code and pin After that user is redirected to real Bank of America website
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 XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

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 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.
Product: Checking or savings account

We have been business customers of Wells Fargo for close to three years and started having a problem late summer of XXXX with holds being placed on deposits made to our business IOLTA account. We would make deposits at the branch and be given a receipt the funds would be available the next business day. Only to receive an email the next day saying a hold had been placed on the deposit. This did cause issue with one client being disbursed funds. The reason for the holds was " refer to maker '' The branch tried to tell us that the check might not have cleared and that is why a hold was placed. This is not true or accurate as it would have come back as a deposit return. We had a meeting with the branch on XX/XX/XXXX that included bank employees XXXX XXXX, XXXX XXXX and XXXX XXXX. We were told that the holds were being placed because of a change to their system and they apologized for the frustration it had caused. That this would stop and that XXXX would be our point of contact if hold issues arised. Everything was fine until XXXX of XXXX, when holds started being placed again. I tried to contact XXXX and got no response via either email or phone. Than I had a hold placed on a deposit and two days later made a second deposit that was more than two times the amount of the deposit that had been held. This deposit was not placed on hold. All of the deposited checks were drawn off of XXXX XXXX XXXX. I tried again to ask that this hold be removed as I could tell from the collected balance that the funds were received by Wells Fargo and the branch refused. Stated that the hold was placed to " protect Wells Fargo '' The branch is arbitarily placing holds on deposits and I feel the branch management does not even understand hold policy or procedures. Why a hold would be placed on a smaller deposit but not a much larger deposit being drawn off of the same bank and within days of each other, makes zero sense. I try to call the branch and get no answer, just short rude emails from XXXX. I contacted Wells Fargo customer advocate on XX/XX/XXXX, she also attempted to call the branch multiple times and did not get an answer. I have been told Wells Fargo has increased their holds due to the pandemic and fraud however we have been customers of Wells Fargo since before the pandemic, we keep multiple accounts, have never bounced a check, had a deposit returned and we keep a six figure balance most of the time. To be treated as a possible threat of fraud to the bank is horrible customer service. I would like Wells Fargo to treat us as valued clients
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these convergent accountS have violated my rights. 

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 an account without my written instructions. 

Accounts as follows XXXX XXXX XXXX XXXX XXXX XXXX Open date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Balance of XXXX. 

Inquiries 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: Bank account or service

My debit card was stolen on XX/XX/2017 On that same date, a total of five unauthorized ATM transactions plus the fees in the total amount of {$1000.00} were taken from my account. I reported the stolen card to M & T Bank the next day and reported these fraudulent transactions. 

After giving me a " provisional credit '' in the amount of {$1000.00} to my account, the M & T bank abruptly denied my claim on XX/XX/2017 and re-took the sum of {$1000.00} from my account!
Product: Checking or savings account

In mid XX/XX/XXXX, I opened and deposited more than {$75000.00} into a Citi checking account after being promised by the promotion that I will receive {$1000.00} by early XX/XX/XXXX. However, the bonus has not been received yet. 

How did I try to resolve this with them? 
I called Citi in mid XXXX to ask why I have not received the bonus yet, and was being told I would be qualified for the {$1000.00} bonus because I did all the required activities, and they would open an investigation for me, which would take 7 business days to be processed. After the 7 business days, I still have not received the bonus, so I called again on XX/XX/XXXX. This time, Citi said the information given to me that it would take 7 business days to be processed is wrong, and it would actually take 40 business days now. 

At this point, I've been manipulated by Citi, and it feels like a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed. 

XXXX XXXX FED CU XXXX XXXX/XXXX/XXXX
Product: Debt collection

I am not aware of this debt, as I would like documentation of agreement from the creditor. I would like to have this issue resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX XXXX which is a XXXX XXXX, ask about XXXX accounts thats on my credit report and i explained that these accounts were in collections and i had no knowledge of these accounts. After they investigated, they admitted that they werent and sent me a letter saying so. The problem is that these accounts are still on my report, which obviously shouldnt be the case.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Unauthorized account on my credit report. I demand this get removed CBNA bank XX/XX/2024 XXXX/amazon bank XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information that your company, Department of Education XXXX ( DEPTEDXXXX  ) student loan, is still reporting to my Transunion Credit Report does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I first noticed this fraudulent activity then obtained a copy of my credit report on or around XX/XX/XXXX. I immediately contacted my attorney at the time who advised me to place a fraud alert on my report, which I did on XX/XX/XXXX, XXXX XXXX. I was advised to file a police report regarding the fraudulent and criminal activity on my credit profile. On XX/XX/XXXX I went to the XXXX XXXX Police Department and filed an identity theft incident report, Report # XXXX. I was advised by the investigating officer that this matter would be handled by one of their detectives and to continue to follow up with both the detective and the credit agencies regarding this matter, as the fraudulent items were still negatively affecting my credit report. On XX/XX/XXXX, I obtained another copy of my credit report. DEPTEDXXXX student loan, was still reporting to my credit report. I then filed an Identity Theft Report with the Federal Trade Commission, Report # XXXX, on XX/XX/XXXX. I also contacted the detective that was handling my complaint with the XXXX XXXX Police Department and let them know that the matter had not been handled. I pulled my credit report again on XXXX, and expected this fraudulent account to have been removed, however it was still reporting to Transunion. I have now filed an additional Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, Report # XXXX. I have listed this fraudulent account below as it appears on my credit report. 

Fraudulent Negative Accounts : DEPTEDXXXX 9 late payments {$0.00} Closed Account info Account name : DEPTEDXXXX Account number : XXXX Account type : Installment account Date opened : XX/XX/XXXX Account status : Closed Payment status : Paid or paying as agreed Status updated : XX/XX/XXXX Balance : {$0.00} Balance updated : XX/XX/XXXX Original amount : {$20000.00} Past due amount : {$0.00} Terms120 Months ResponsibilityIndividual account