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

On XX/XX/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-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 alleged identity theft, no later than 4 business days after the date of receipt. 

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 federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). Please remove these inaccuracies from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is not putting the accounts in question in disputes unless I call in and spend XXXX hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. 

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX  XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX released protected health information to a collection agency for medical billing. By law this is a HIPPA violation because XXXX XXXX XXXX is not supposed to even acknowledge that I am a patient without explicit and written consent from me. Also the collection agency is in violation of HIPPA because they continue to report it after being asked several times to remove the protected health information. Medical bills are protected health information because the bill acknowledges that I was a patient with them which violates HIPPA. I  did not give consent for this information to be released.
Product: Credit reporting or other personal consumer reports

I recently checked my credit profile and realized there are some accounts that I am unfamiliar with and alot of accounts that are reporting incorrect information. I have never gave written consent or permission to report to my credit profile and I have contacted the credit companies and the credit bureaus to seek the documentation that shows I gave them permission to report to my consumer profile. By law that is Aggravated Identity Theft 18 U.S. Code 1028A These companies are also reporting inaccurate information across all XXXX bureaus. Dates opened, dates closed, and other things are not the same dates or numbers across all three credit bureaus.
Product: Checking or savings account

My account was hacked into, this the 3rd time in 3 months this has happened. Someone hacked into my account XXXX and transferred {$1200.00} to themselves. I have never transferred any money to any member and did not give permission. I am XXXX XXXX XXXX  and need my money. This is federal money from social security that gets deposited into my account and chime has allowed my account to be hacked into 3 times already. Ive changed my password and ask for legal department so that I can file a lawsuit they refuse to give me legal department info. I want my account refunded for {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My fha loan has been in forbearance and I have never had any late payments. My credit report shows no payments resported during the forbearance time, however now that the forbearance has ended its showing Im 180 days late. That is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing missed payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was not required to make any payments for those months according to the two letters that I received from the Department of Education ( Covid 19 Administrative Forbearance which was extended until XX/XX/XXXX ) and from the Department of Education ( Borrower 's Defense Department ). 
I sent over a dispute form, along with a copy of the letters that stated I was not required to make any payments, twice to the Department of Education Default Resolution Department. The first was sent around XX/XX/XXXX. I was told that the late payments can't be removed because the loan was in default and to wait until the loan comes out of default then they would be removed. Now that the loans are out of default, the late payments still haven't been removed. 
So, I sent another dispute form around XX/XX/XXXX explaining that regardless of the loans being in default it was not right to report late payments when I wasn't required to make payments and that the loans are now out of default and the late payments still haven't been removed. They responded with I needed to contact the company that is now servicing my loans which is XXXX. I reached out to XXXX and they said that my loans are currently in the Covid 19 Administrative Forbearance which was extended until XX/XX/XXXX and no payments are due at this time. They also stated that they started servicing my loans XX/XX/XXXX and are not responsible for anything that happened prior to that.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX opened XXXX, XXXX. Fraudulent account appearing on my consumer FICO credit report. I do not recognize the aforementioned account as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer accounts, are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported late multiple times, which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. 15 U.S code 1681n Infamis of pulls XXXX Account Number : XXXX 2. 15 U.S code 1681n Infamis of pulls XXXX XXXXXXXX Account Number : XXXX 3. 15 U.S code 1681n Infamis of pulls XXXX Account Number : XXXX 4. 15 U.S code 1681n Infamis of pulls XXXX XXXX Account Number : XXXX 5. 15 U.S code 1681n Infamis of pulls XXXX XXXX. 
Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 IMMEDIATELY!

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 WRITTE to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the de accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I have discovered inaccuracies in my credit report that do not align with my actual financial records. These inaccuracies violate the Fair Credit Reporting Act, under the provision of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to uphold rigorous standards of accuracy in the information they report about individuals. Enclosed are the documents that substantiate my claims. I insist on a prompt investigation and the necessary corrections to these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account wasproperly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights un

der 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: Checking or savings account

TD Bank has been holding {$8700.00} since XX/XX/2020 after having froze all of my accounts, giving me absolutely no access to transact on my accounts and on XX/XX/2020, made the decision to close all of my accounts and return the funds. 

The reason for this was because these particular funds were direct deposited on behalf of my former roommate, who appeared with me in person, verified their identity by showing an NYS State ID, a US Passport, and Documents from the NY Dept of Labor therefore  authenticating their identity and the validity of these funds. 

Despite successful verification, TD Bank called me back after a 3 day review to tell me that they were going to close all of my accounts and return these funds back to where they came from. Prior to this unresolved matter which has now been ongoing for 2 months and 2 weeks, I was told and instructed over the phone by the TD Bank  Fraud Dept to show up in person with the individual who is claiming ownership of these direct deposits, so that they could be verified and the accounts could be brought back to a normal status. 

This account freeze had caused me to suffer the entire month of XX/XX/2020, since my direct deposit comes from the XXXX XXXX XXXX   on every XXXX of the month. TD Bank rejected my monthly direct deposit on XX/XX/2020, which ultimately put me in a situation where I had to wait an additional 3 weeks to receive my monthly benefits, and delayed me accessing my retirement benefits until XX/XX/2020. 

It is now XX/XX/2020, and TD Bank has not returned the funds to the NY Dept of Labor because my roommate is well aware that TD Bank still has the funds sitting in a frozen checking account under my  name, which they have NOT closed and issued a check for. I have attached my most recent checking account statement, which proves TD Bank had left this matter ignored after closing my savings account and rejecting my direct deposit. 

My close friend would like her funds returned to her immediately and does not want to have to endure any more punishment, considering TD Bank has left these funds inaccessible to her for more than 2 months, although she is a now a client of TD Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am disputing the negative and derogatory information on my credit report under the Fair Credit Reporting Act ( XXXX  ) [ XXXX XXXX. XXXX ], the Fair Debt Collection Practices Act ( XXXX  ) [ XXXX XXXX. XXXX ], and the Uniform Commercial Code ( XXXX ) XXXX. These inaccurate and unverifiable accounts have resulted in credit denials, higher interest rates, and financial hardship, warranting both removal and compensation. 

Legal Basis for Dispute & Compensation Demand : Lack of Proper Verification : I request the original contract with my wet-ink signature proving my agreement to these debts. If the creditor can not provide this, the information must be immediately removed. 
Violation of XXXX XXXX : If any entity claims I owe a debt, they must produce the original, legally binding instrument of indebtedness. Failure to do so renders their claim invalid. 
FCRA XXXX XXXX XXXX XXXX : XXXX XXXX XXXX. XXXX, knowingly reporting false or unverified information is a violation, making the reporting entity liable for damages. 
Demonstrable XXXX XXXX to False Reporting : I have suffered loan denials, increased interest rates, and financial losses directly caused by these inaccuracies. Per the FCRA, I am entitled to monetary compensation for these damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX stated that my accounts were properly investigated, how is this possible if the late payment dates are inaccurate and are not reporting fully on each bureau. 
the open date is inaccurate, the date of last active is inaccurate, balance owed is inaccurate, and date of last reported is not accurate. Federal law state that any inaccurate information on a consumer report most be deleted,
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX DOB:XX/XX/XXXX SS:XXXX ADDRESS : XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX    XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX  XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX DOB:XX/XX/XXXX SS:XXXX ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

On  XXXX - XXXX -2017 I agreed to pay SunTrust bank {$60.00} to wire {$6200.00} to   XXXX   XXXX   in the   XXXX   XXXX   for my wife to receive on  XXXX - XXXX -2017. All the money never made it to   XXXX   XXXX  . After my wife spent two days going to   XXXX   XXXX   and making phone calls we found out that Sun trust bank sent my money to   XXXX   XXXX   and   XXXX   XXXX   sent the money to   XXXX   XXXX   and   XXXX   XXXX   charged a fee and took it from the {$6200.00}. This money were to be used to pay off a mortgage loan but, by the money being late and never showing up, it cause me to pay an extra {$220.00}. I have called the branch and sent emails. Also I have filed a complaint and called other departments as much as ten times but as of today no one has returned my phone calls explaining why   XXXX   XXXX   were allowed to help themselves to my money without me knowing anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and Equifax is giving me a very hard time removing a fraudulent XXXX  XXXX XXXX ( XXXX  ) account. I have included ALL of the required documentation pursuant to the FCRA 605B Block of information resulting from identity theft, which states any account a consumer identifies as fraud should be blocked by the consumer reporting agency within 4 days of receiving notice. A dispute was opened for this XXXX account XX/XX/2018. My notice included everything required by FCRA law to block the account, but yet Equifax did not. Nor did they notify me letting me know the account would not be blocked ; which by law was supposed to occur within 5 days of receiving my dispute. 

Not to mention, the XXXX account is now reporting as a charge-off. I have attempted to remove this erroneous account many times, Equifax has made this experience very stressful by " verifying '' each of my attempts through their XXXX system by matching a name, last 4 of ss #, DOB and address. Of course these things will match, it's IDENTITY theft! 

I take paying my bills on time very serious, having a charge off on my report that does not belong to me is very humiliating. I am unable to obtain any credit because of this fraudulent XXXX XXXX XXXX account. Equifax negligence in this matter has caused me undue emotional and financial stress. Submitting my dispute through the CFPB will be my last and final request. If this XXXX XXXX XXXX account is not deleted immediately, I will be left with no choice but to file a civil lawsuit in my county.  I will name Equifax, along with any and everyone who touched my file, as a defendant for violating my consumer rights and putting me through such stress. I will subpoena every phone call, correspondence and record in Equifax 's system ( s ) and file cabinets related to me and will sue for EVERY error found. I will also sue for punitive damages. Please know that I am a litigious consumer and my spouse is an active XXXX XXXX XXXX in XXXX. I am no longer playing this game with Equifax! You will no longer violate me and cause my life a living XXXX from your negligence and willful noncompliance. 

Please also note that you ( Equifax ) are the only bureau reporting this fraudulent account on my credit report. XXXX and XXXX  deleted the account months ago, after my first attempt. Also please note that you all deleted the XXXX inquiry not too long ago as well. That alone verifies there was an error. How is the account mine but the inquiry isn't?! 

Equifax is also reporting the wrong phone number for me in my personal statement section where is states creditor should contact this number before extending credit. The number reporting does not belong to me and I do not know who it belongs to.