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

NOTICE TO AGENT/PRINCIPAL I am writing to bring to your immediate attention the significant inaccuracies and incompleteness present in my credit report as furnished by your agency. Upon reviewing my credit report, I have identified numerous discrepancies that require thorough investigation and rectification. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I am entitled to request that you conduct a reinvestigation of all accounts and information that I believe to be inaccurate or incomplete. Additionally, I demand that you provide evidence under 15 U.S. Code 6801 regarding the source and Maximum accuracy possible of the information contained in my credit report.

Furthermore, I request that you furnish a detailed description, as required by 15 U.S. Code 6802, outlining the specific measures taken to collect, maintain, and report my nonpublic information. It is imperative that you adhere to the legal standards set forth in these statutes to ensure the protection of my privacy rights and the accuracy of my credit report.

Failure to comply with these demands may result in severe consequences, including civil liability for damages incurred due to the unauthorized collection, theft, and furnishing of my nonpublic information. As evidenced by past legal precedents, such as lawsuits against Experian, XXXX, and XXXX, credit reporting agencies have faced substantial financial penalties for violations of the FCRA. 

For instance, in the case of Ramirez v. TransUnion LLC ( 2020 ), XXXX faced a {$60.00} XXXX settlement for inaccurately labeling consumers as potential terrorists or drug traffickers. Similarly, XXXX settled a lawsuit for {$700.00} XXXX in the aftermath of the XXXX data breach that exposed the personal information of millions of consumers. Experian also faced legal action and financial penalties, such as the {$18.00} XXXX settlement in the case of Consumer Financial Protection Bureau ( CFPB ) v. Experian. 

I hereby demand that your agency immediately initiate a thorough reinvestigation of all accounts below, and information on my credit report that I believe to be inaccurate or incomplete. Additionally, I request that you provide evidence and detailed descriptions as outlined above. 


XXXX XXXX Account # : XXXX XXXXXXXX XXXX  Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Failure to comply with these demands within will leave me with no recourse but to pursue legal action to enforce my rights under the FCRA. As evidenced by past lawsuits against Experian, XXXX, and XXXX, credit reporting agencies are held accountable for violations of consumer rights. 

Your prompt attention to and resolution of this matter are imperative. I expect to receive confirmation of the commencement of the reinvestigation process and the provision of requested evidence and descriptions within the specified timeframe. 

Thank you for your immediate attention to this urgent matter.
Product: Debt collection

After viewing my credit report it appears the company ACCESS RECEIVABLES MAN is hitting my account with negative information but not providing what the debt is for. 
I have not received correspondence indicating anything at this time.
Product: Credit reporting or other personal consumer reports

XXXX - This is the original complaint number. 

I requested to have all false names be removed from my credit report and that is not happening. 
These wrongful accounts were attached to my credit and were fraud. 
I did not request for my name to be edited or updated. 
I requested that these false names and accounts be removed and deleted. 
Changing or editing the names/account does not solve my problem as these accounts are not mine and were not opened by me. 
These names and accounts need to be deleted not edited/changed. 
Thanks
Product: Credit reporting or other personal consumer reports

My credit report is showing several unauthorized, unverified inquiries and they are affecting me from being able to utilize my credit I need the unauthorized inquiries removed immediately. 

Experian : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

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

This is my numerous request that you correct this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent listed below. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX A XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset at Trans Union and XXXX XXXX XXXX right now. I began disputing an account on my credit report in XXXX since I knew the account was well over 7 years. Not only did I not get a timely investigation, I had to file a complaint just to get the credit bureaus to do an investigation. I finally received written results from Trans Union dated XX/XX/2020 which was XXXX XXXX months after I submitted my initial dispute. 

I was shocked to see the account was verified as accurate by Trans Union. When I received this notice from Trans Union stating as such, I called XXXX XXXX XXXX to figure out what kind of information they had which showed this was indeed an accurate account. I called the number provided in the investigation results by Trans Union for XXXX XXXX XXXX. The individual who answered the phone was named XXXX XXXX XXXX and said his company 's name was XXXX. He also stated they are a non credit reporting entity and they assigned an account which had my info to XXXX XXXX. After I asked for some clarification as to why XXXX XXXX XXXX is on my credit report and was just verified days ago with this number XXXX stated again that XXXX  is a non credit reporting entity. He even said it was his understanding XXXX XXXX XXXX was out of business. 

After hearing everything from XXXX and being told XXXX  purchased the account in question and assigned it to XXXX, I called Trans Union with an advocate. Trans Union wanted us to mail in a power of attorney before they spoke with my advocate but I wasn't going to do that considering how many months it has taken for them to even conclude an investigation which I know was fraudulent. How can Trans Union verify a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX doesn't even exist anymore. Even if XXXX  purchased this account from XXXX XXXX XXXX, XXXX claimed they are a non-reporting entity so again I ask how could Trans Union have verified this account? 

I don't know what Trans Union did or didn't do but I want this account deleted from my credit report once and for all. Trans Union took 2 1/2 months to conclude an investigation and they clearly didn't do a real investigation since it is impossible they verified something with a company that does not exist. By the way, now that I think about it, I haven't received a response from XXXX either. I did from XXXX. I want to add XXXX to this complaint as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove fraudulent account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint XXXX & I am including it again. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}.
Product: Credit card or prepaid card

Comenity Bank sets consumers up. 

The company 's agent told me in the past that they already set up automatic payment for me in their system with my debit card. But they did not. 

So this time, when I traveled internationally to a country, where the internet is of limited access, to handle a family health emergency in early XXXX, I was completely ruined by this vicious company. 

To begin with, I was not informed of the card balance, which was only {$30.00}. This balance is completely within my payment ability. As long as they reached out and let me know, I could have made the payment right away. 

Instead, this company intentionally kept me unaware of this balance while I was out of the country for over a month. This resulted in me paying {$66.00} of late fee and penalty charges. Moreover, this resulted in a significant hit on my credit, which is completely unacceptable. 

When I reached out to the company in XXXX when I came back to the country, the company 's agent told me that they are going to charge me late fee no matter what - since this is the way they run their business. They told me that they are not going to include this incident in my credit report - my credit will not be negatively influenced, as I was traveling out of the country. 

However, two months later, my credit was still hit by this. Comenity did not deliver their promises. When I confronted them about this, they now say that they can't do anything about it and I can only report to CFPB. 

This company is really dishonest in the way they conduct business and should be shut down. 

As such, as an innocent and uneducated American consumer, I ask for CFPB 's look into this case and help me fix the credit issue. Thank you.
Product: Checking or savings account

I can not see the funds in my checking or savings account on the app for online banking.
Product: Credit card

Please, Im begging you to remove the XXXX XXXX to my credit report and I cant open my Equifax account due to XXXX XXXX, please remove it ASAP, your fast action greatly appreciated.
Product: Student loan

Formal Complaint Regarding Unethical Conduct by XXXX XXXX Resulting in Loss of Credits and Accumulation of Student Loan Debt Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX, pertaining to a distressing and unethical situation regarding my student loans and academic credits. The incident took place during my enrollment at XXXX XXXX, and the subsequent ramifications have left me in a highly unfavorable financial and academic predicament. 

I attended XXXX XXXX  and relied on student loans to finance my education. Regrettably, all the funds disbursed through these loans were utilized by the university, and when I transferred to a new institution, I was not granted the academic credits I deserved for the time I spent at XXXX XXXX. Despite completing coursework that should have amounted to 30 credits, I received zero credits from XXXX XXXX. 

This unethical conduct on the part of XXXX XXXX  has had far-reaching consequences on my academic progress and financial well-being. I am burdened with a significant amount of student loan debt, yet I have nothing to show for it in terms of academic credits or a meaningful education from the institution. 

I am seeking your assistance in addressing this issue and requesting a thorough investigation into the conduct of XXXX XXXX. I urge the Consumer Financial Protection Bureau to : Investigate the financial practices of XXXX XXXX  and the misappropriation of the student loan funds meant for educational expenses. 

Investigate the unjust denial of academic credits earned during my enrollment at XXXX XXXX. 

Advocate for appropriate compensation, credit transfer, or debt relief that aligns with the academic credits I rightfully earned. 

I have attached all relevant documents, including loan disbursement records, academic transcripts, and any communication with XXXX XXXX  that may assist in your investigation. 

I kindly request that you keep me informed of the progress of this investigation and the steps being taken to rectify this situation. Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance in resolving this distressing issue. 

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

Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

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

Someone used my identity fraudulently to the tune of {$380000.00} for a COVID stimulus small business loan. I disputed this loan and put into place a temporary freeze until I can come up with a plan to protect my identity ( XXXX, maybe? ). I was told by Experian, once the dispute was settled in my favor, that my previous score would return to its original number within 72 hours ; however, it's still down by 12 points weeks later. 

Also, due to an injury, I had to refinance my home and it took weeks to get my temporary freeze lifted because there was only an automated operator who would cut out and then declare it didn't get the information and then cut out again and decide it was too difficult to go on and hang up on me. On top of all of this, I never received a PIN from Experian to lift my freeze. 

I finally got the temp freeze lifted after WEEKS of struggling with Experian, but I'm worried about my score. Experian has been a nightmare! XXXX  and XXXX  were extremely helpful. Why won't Experian help the general consumer unless they pay {$24.00} a month in fees? 

No paperwork on file- everything ( when I got a person online ) was through chat. It's all " recorded for quality assurance ''.
Product: Checking or savings account

This savings account was opened without my knowledge. I call the bank in XXXX of 2022 to have this account closed. I received a letter in XXXX saying this account was overdrawn {$500.00}. This account was to be frozen till they investigated how this account was opened with only {$5.00} in it. This month I received a letter from a collection agency saying this money is owed. I have called several times trying to get this resolved and they keep telling me the Risk Management is still working on this. I don't know what to do at this point, I am being told one thing and other things are happening without my knowledge. I have filed a XXXX on this. Sent a letter from them to collection agency. I need to get this resolved ASAP.
Product: Credit reporting or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT. I HAVE NOTICED SOME UNAUTHORIZED ACCOUNTS ON MY CREDIT REPORT I HAVE NEVER BENEFITED FROM. I HAVE SENT SEVERAL DISPUTES TO EACH CREDIT BUREAU, AND WILL BE REQUESTING A FRAUD PACKET FROM XXXX SPECIFICALLY. I NEED THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORTS IMMEDIATELTY, FOR I AM A CURRENT STUDENT WHO IS FINANCIALLY BEING IMPACTED. I WAS ALSO PART OF THE XXXX XXXX DATA BREACH, AND HAD SOMEONE USE MY INFORMATION UNKNOWINGLY TO OPEN THE XXXX CARD. PLEASE REMOVE THESE ITEMS IMMEDIATELY
Product: Credit card

I paid off two accounts I held with upgrade VIA a overnight mailed in check in XX/XX/XXXX ( as required by their company ) and a year later XX/XX/XXXX those accounts were not paid and closed because the checks were applied to the wrong accounts. This in turn left my credit being reported incorrectly for a year, which destroyed my credit and now is effecting the closing of a house I am purchasing. It gets worse In the middle of the process of purchasing a new home the mortgage lender I am using informed me that I owed upgrade money ( Even though I had already paid in full and closed these accounts a year previous ). So I called upgrade and they said that I owed apx {$7800.00} and that I could settle for {$4400.00} and pay that account in full and be done with it. So I did with out thinking and paid that amount. I then later contacted my bank to see if I had paid those accounts already and I was able to obtain a copy of both checks there were made to and deposited and signed by upgrade a year prior. 

So here is where I stand : I paid off XXXX accounts by mail in check on XX/XX/XXXX Both Checks cashed and deposited by upgrade on XX/XX/XXXX Checks were applied to the wrong accounts on Upgrades side causing a years worth of credit discrepancys. 
XX/XX/XXXX I settled and paid an Additional {$4400.00} to an already closed account via online payment XX/XX/XXXX I spoke with collections department about these issues told me to call back in 3 days. 
XX/XX/XXXX I spoke with collections department about these issues told me to call back in 3 days. 
XX/XX/XXXX I spoke with ( Collections team Lead ) and supposedly a ticket was submitted about my accounts told to call back in 3 days XXXX/XXXX/XXXX I was told to call back in 3 days again.
Product: Debt collection

I have tried contacting the company several times through mail and CFPB and nothing gets rectified. They say theyve done a full investigation and put the same incorrect numbers on my credit report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

The original creditor is listed as XXXX XXXX. I have NEVER had an account with this company. 

I disputed it and the company said the debt is correct. How can they add something to MY credit report when I have NEVER had an account with them?
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a late payment reporting on my US Bank account. As you can see I have had this account open for years and never made a late payment and there is not XXXX single other late payment reporting. I care about my credit and have a great relationship with all my creditors. Please remove this remark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX on XX/XX/XXXX asking them to send me information on this bankruptcy. That was filed on XX/XX/XXXX and if they reported this information to the credit bureaus. I never received a response even though i sent a self addressed certified envelope along with the request letter. So on XX/XX/XXXX i sent 609 letters to each credit bureau by certified letter. Asking them to look into this bankruptcy, I received a response from trans union stating they verified the account but they didn't provide me any proof of how they verified it.
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 homeless n cant provide to my XXXXXXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.