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

On or about XX/XX/year>, I submitted a XXXX XXXX victim self-attestation letter, signed and certified, determining that I was a victim of XXXX, to the consumer reporting agency Experian, through their online submission. 

For the purpose of this complaint, I will attach and upload a file copy of the letter originally sent as a supporting document with this complaint. 

I provided all the required documentation pertaining to my identification, the detailed information regarding the accounts and inquiries on my credit file resulting from XXXX  that should be blocked and signatures from both myself and an authorized XXXX representative. 

Pursuant to section 605C of the Fair Credit Reporting Act, I kindly requested that Experian block this information from my credit report within four business days. I also kindly requested Experian to send me notification of the actions taken. It has been about 10 days since Experian received my request and they have failed to comply and act in accordance with the Fair Credit Reporting Act. 

I have been advised to go on record and file a complaint with the CFPB due to this now being a direct violation of the Fair Credit Reporting Act ( FCRA ) and opens up the door for legal action. The law pursuant to section 605C clearly states the following : " Section 605C of the Fair Credit Reporting Act ( FCRA ) requires Consumer Reporting Agencies ( CRAs ) to temporarily block adverse information from consumer reports within four business days of receiving a submission. This applies to information identified by the consumer or their representative as a result of XXXX XXXX  or severe forms of XXXX  in persons. The purpose of this rule is to ensure that survivors of XXXX  are not affected by adverse credit information that may make it difficult for them to achieve financial security. '' I have been advised that If a credit bureau, creditor, or information user violates my FCRA rights, through willfulness or negligence, this can result in civil penalties and I can sue them in state or federal court for damages. This can result in fines of {$100.00} {$1000.00} per violation, actual damages, punitive damages, statutory damages, attorney fees, and court costs. I have been advised that actual damages can include emotional distress, and statutory damages don't require proof and that punitive damages are intended to punish the agency and deter future violations. 

As of today, I pulled my credit report to check for any status updates myself since Experian failed to correspond within the legal XXXX business day time frame and found that all of the requested and disputed accounts and inquiries on my credit file that I listed in my submission as resulting from XXXX has not been blocked. 

Experian has ignored my request as a consumer and a victim and has violated the FCRA through its inaction.
Product: Credit reporting or other personal consumer reports

Since last year of XXXX  I've requested that TransUnion remove Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I've sent my ID and proof of address and yet TransUnion didn't respond back with the thirty days. I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection.
Product: Payday loan, title loan, or personal loan

Oportun was in The Process of XXXX XXXX XXXX, for a {$500.00} Loan. An Employee Filed My Last Name Incorrectly, The Organization on a Recorded Line, Twice Not Only did a regular employee Offer Me To Continue with The Transaction that I plainly stated that My Last Name was Incorrect, But Pressured Me to Continue with The Loan Process. A Supervisor ignored My Request to Correct My Last Name before continuing with The Loan Process, stated I needed to Continue with The Loan Process Because Thats what they had on File, which was incorrect information. As Far as I know This was done on a Recorded Line for Quality Assurance. XX/XX/2023.
Product: Student loan

I have a Navient student loan in repayment and I was trying to pay off the remaining balance of my loan. I had researched on their website that a credit card payment can be made for the amount due over the phone. I always pay more than the amount due, and was planning on paying off the loan with my no interest credit card. I called customer service and they explained I can only make the minimum payment with a credit card, nothing more. I explained this does n't make sense. I can pay every month with a credit card but can not pay off the loan? What kind of policy is that? They would rather charge me their interest every month, where I can still use my credit card to make the payments, rather than pay them all their money at once. That is bad business and nickel & dimeing the consumer. They tried to tell me it was because that a credit card is another form of debt, but if I can make monthly payments with that very same credit card, please explain the difference?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has violated my rights according to title 15 USC although they claim they're not responsible for the account I have proof that they have been reporting on my credit for the past couple of years account number XXXX Account number XXXX The phone number I have on file for XXXX XXXX XXXX is XXXX I asked that these counts be removed off of my credit report
Product: Checking or savings account

Received a letter on XX/XX/XXXX from XXXX XXXX ( a low level employee ) from the bank saying my accounts will be closed. No reason given. Trying to get a reason from her reached no conclusion. Account has been in good standing since opening. I believe this is discriminatory practices because she and the bank refuse to provide detailed information. And refuse to talk to me. Predatory practices like this should not be allowed.
Product: Credit card or prepaid card

I need to file a complaint against Bluebird by American Express. I have had an account with them for years and use this company as my main bank. Since XX/XX/2020 I have been drawing unemployment due to COVID-19. Every week I have my benefits direct deposited to my bluebird account. Last night XX/XX/XXXX after receiving my benefits my account was immediately suspended and I got an email saying that I violated section 22 ( d ) of the Bluebird Membership Agreement. I called Bluebird customer service and because my phone number is linked with my account, I got a recording saying that my account was permanently suspended then the call disconnected. I decided to call from a different phone number and a CSR advised me i would have to call the Fraud Department during business hours Mon-Fri XXXX. So the next morning XX/XX/XXXX, I called the Fraud Department and was told that because my deposit didn't match the account or didn't have sender information my account was suspended. I asked if I could take the rest of my money out of the account and was told my account was locked and I would have to wait 1-2 business days for corporate to decide if they want to keep my account locked or reopen it. I have my entire livelihood, savings, bill money, everything in this account. I just happen to be in the process of buying a house on Friday this week and NEED my money to do so. It can not be legal for them to steal my hard earned money and keep it from me. I can't control how ADWF sends my benefits but that doesn't give Bluebird the right to take access away from the rest of my funds. They can have the account, they can investigate the government deposits that thousands of Americans are receiving, but the rest of the money in the account is mine and I want it transferred to another bank immediately. 

I would like to speak with someone regarding my issue.
Product: Credit reporting or other personal consumer reports

I noticed back XX/XX/2023 that XXXX was on my credit report and I call the company and I was told they didn't send that to the creditors such as XXXX, Equifax and XXXX they said I would have to contact the creditors and I did and they failed to remove it after the FTC letter was sent to them. I also noticed that XXXX was added to my credit report and it is not a credit card company I had spoken with the company and let them know that my account had been hacked and they didn't do anything to remove this from my credit reports and they have been sending threatening text messages to my cellphone saying if I don't pay the money it will be legal actions taken and that my wages will be garnish so this definitely needs to be removed because it was hacked and they know about it. I have also requested that XXXX XXXX be removed Equifax fail to remove it from my credit report after I have sent in FTC letters and proof that it wasn't my account because I didn't have service with the company because I had moved from that location so the new tenants were using services in my name.
Product: Debt collection

I have an account on my credit reports showing in collections, that I do no not recognize. The specified details on this account seems frivolous. It appears to be utility services through XXXX in which I have never used them as a service provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I spoke with a representative @ Equifax to report my previous address were incorrect. They representative told me the addresses were removed. I just received a copy of my credit report and the incorrect previous address are still reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX never been my address Date Reported : XX/XX/XXXX - not factual I was living in XXXX XXXX TX XXXX XXXX XXXX XXXX MS XXXX This is my mother in laws house I have NEVER LIVED there. Date Reported XX/XX/XXXX XXXX. XXXX XXXX XXXX MS XXXX This XXXX. XXXX is not mine it belong to my husbands family in the late XX/XX/XXXX I was a child, was unaware of my husbands family at that time. Date Reported XX/XX/XXXX My spouse history is not Mine XX/XX/XXXXand Equifax keep telling me that these address are associated with accounts which is not factual. All of my creditors have a XXXX XXXX Texas address and a XXXX MS address.
Product: Debt collection

I moved out of my apartment, cancelled my XXXX XXXX, and paid my XXXX bill in full in XX/XX/XXXX and then AGAIN in XXXX when they hit me with a {$20.00} charge for something. XXXX sold a {$71.00} collection account to diversified consultants in XX/XX/XXXX, a month after I paid my bill in full. No attempt to contact me about it, my bill online said {$0.00} was owed. I called XXXX sometime in XXXX. They apologized, told me the debt was incorrect, and they would get it off my credit report ( said they made a note of it in their system ). I called again yesterday XX/XX/XXXX. They told me to call the debt collection agency to get it off my report. Why would I call the debt collection agency?? XXXX sold them the debt, XXXX needs to give them their money back so they can take it off my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( Original Creditor : ) showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Balance {$4600.00}, XXXX XXXX Opened Date XXXX XXXX, XXXX Balance {$3300.00}, XXXX XXXX XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Balance : {$13000.00}, ( Original Creditor : ) XXXX Date Opened : XX/XX/XXXX Balance : {$130.00}.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Credit card or prepaid card

American Express closed my account ending in XXXX. I've been a loyal customer for many many years, I depend on this card. This was an unfair closure. I want the card reinstated.
Product: Credit card

For the account ending XXXX which is not ending ( XXXX ) the XXXX XXXX, you guys have sent me a letter online regarding my fraud case, but you guys wrote that i recieved the service for these XXXX unauthorized transactions from XX/XX/2023, when i didn't made these charges. I'm not sure what the company has provided for you guys, but it wasn't me!
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL THE ACCOUNTS I LIST HAS VIOLATED MY RIGHTS 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  ) 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.

ALL THE ACCOUNTS IN THIS MESSAGE BELOW HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also States A consumer Reporting agency can not furnish A account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

I do aplication to Credit card Store with and they take almost 10 minute and then to deni
Product: Credit card or prepaid card

I sent this letter on XX/XX/XXXX in writing because they have made it so hard to dispute it any other way. I am writing today to document my dispute for two charges on my account. I am highly disappointed in how difficult this has been to dispute these charges given you ( Bluebird ) contacted me via text when you identified the fraud. 
I received a text from you last Friday XX/XX/XXXX asking me to call due to 2 suspicious transactions. You turned those transactions down. I then indicated I saw two charges that had just been put on hold that also did not belong to me. I was told I needed to call back after they posted to dispute them. Given you found the fraud this made and continues to make no sense to me. 
I called on Sunday XX/XX/XXXX after they posted. I had to go through another lengthy phone call and was told you would dispute them and I would receive something over email directing me how to submit it in writing. I still have not received anything so I am now officially putting it in writing. I also plan to complain to the Consumer Financial Protection Bureau. 

These two transactions do not belong to me. 
Store Purchase XXXX 'S XXXX 'S - {$110.00} XX/XX/XXXX Store Purchase XXXX XXXX - {$130.00} XX/XX/XXXX The last transaction I made was for {$17.00} at XXXX XXXX XXXX. I made the purchase in person and had my card with me at all times. Your staff told me that is where you believe the account information was taken that led to the fraud. I had to answer this question each time I called in, so I am providing it now. I did not file a police report because again you identified the fraud. I find that question ridiculous because as an owner of American Express Gold card with a similar incident I was never asked that questions and I never had to go through these hoops to put in a dispute and get it resolved. You clearly provide a lesser service to BlueBird Account holders. 
I am extremely disappointed in the service you have provided regarding these charges. You are in effect holding my money hostage and not going after the merchant that accepted a fraudulent number.
Product: Credit card or prepaid card

I was victim of Credit Karma offering me pre approval for credit cards and then not getting approved which caused hard pulls on my credit and damaged my credit score even more.
Product: Credit reporting or other personal consumer reports

Several inquiries that were removed from my credit report months ago, some how appeared again. I have file several FTC Identity reports and which proved that they were not mine. Now all of them are back on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Sunrise Credit Solutions has contacted me 23 times this week from a total of 8 different phone numbers, all of which I have proceeded to block. The have masked their caller ID, and lied when I called back to ask who it was. 

This not just harrasment and dishonest collection practices - it is in direct violation of the Colorado Attorney Generals direction to pause all debt collection efforts. 

I have told then to cease contact a total of 12 times over the past 8 months, stating that I will only talk directly to the original creditor, XXXX  XXXX XXXX, who returned the on-time payment I made for this account, froze my online payment portal, reported late payment to the credit bureau, and has refused to contact me in writing. 

I have said it so many times : I will re-issue this payment once XXXX  XXXX XXXX 1 ) Acknowledges their mistake, 2 ) submits a correction to the credit bureau, and 3 ) reinstates my online payment portal so I am physically able to pay this debt. 

I have never received any paper bills from XXXX  XXXX XXXX, so I have not been given any other way to pay this. 

If Sunrise Credit Solutions continues to harass me, I will file a police report and start involving attorneys.
Product: Debt collection

Diversified Consultants is currently reporting on a debt, in the amount of {$670.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to XXXX. XXXX XXXX XXXX does not own the debt. I have a contract with XXXX not Diversified Consultants.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I keep getting calls from this company direct recovery services that I have never had any dealings with nor they do say what they're calling about. I never answer these calls and I would like them to stop, they can only contact me via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a negative mark on my credit because of a kohls credit card I never opened. I have disputed several times and each time I was told it was confirmed to be mine. Id love to know how it is confirmed to be mine and who confirmed it as I was in the hospital XXXX XXXX  when this was said to have been opened. I went in the hospital on XX/XX/21 and the card was opened after that. I was in XXXX at the time, have never been to a kohls and will never go to one. I have no need for them. This needs to be fixed. I have a stack of hospital bills that anyone is welcome to look at if they want to. This is beyond ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX XXXX ) XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX XXXX  ) XXXX ( XXXX 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 a account without my written instructions
Product: Credit card or prepaid card

Received card in mail asking me to call and activate it. I never heard of this company and did not apply for the card. When I called to ask questions and close the account they refused. I reported to their fraud department and they will not do anything until I send a color copy of my driver license. That is ridiculous and sounds like they are trying to further steal my identity.