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

I am filing a formal complaint against XXXX, Equifax, and XXXX for failing to conduct a proper investigation regarding multiple credit card accounts that do not belong to me. Despite disputing these accounts under my rights in the Fair Credit Reporting Act ( FCRA ) 1681i, the credit bureaus continue to claim they have been properly verified, yet no real investigation appears to have been conducted.

I have repeatedly provided evidence that these accounts are fraudulent or inaccurately reported, yet they remain on my credit report, negatively impacting my financial standing. I request that the CFPB step in to ensure a full and fair investigation is conducted and that these inaccurate accounts are removed from my report. 

Please let me know what steps can be taken to hold these agencies accountable and ensure compliance with federal law. Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Ive tried calling and talking to multiple employers, and all of them gave me the same answer. NFCU Has stated to me that funds was on hold on my account ( which was taking off of my available balance ) and was dropped off and put back into my available balance. But I never seen the available balance go up. I was checking my account everyday. I was transferred to a supervisior. Which she stated to me that the funds was released into my account on the day that I checked it. And there was no additional funds added to my account. I also asked her where did she she that can she send it to me. She stated that it was basically assuming because it take 3 days and the funds will be released. She also asked me do I have proof of the funds deducted. I have a text that my funds was deducted. But they do not have proof that my funds was added back into my account. I was checking my account everyday, and I never seen my available balance go up. All text messages that says XXXX XXXX never was released back into my account. It was approved meaning it was deducted out of my account and I looked and made sure it was deducted. No where on my statement it says its been added to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prestige was included in my bankruptcy # XXXX and discharged in 2017. Prestige is currently updating and reporting every month. This is a violation of the Bankruptcy Law Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided. Requests for an investigation have been made on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They have also violated law by not responding to a dispute within 30 days. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided. Requests for an investigation have been made on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 Equifax, on top of ignoring me flat out the last several times I have contacted them ( claim I don't send in my identification although I send a copy of my license and social security card every time ), continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided.Requests for an investigation have been made on XX/XX/19, XX/XX/19, then never received a response ever again, even though they were requested to investigate and respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed my dispute letter because I have things on my credit is not mines due to identity theft. I have a police report and letter from XXXX and XXXX XXXX stating that my information has been breached. My letter was mailed XX/XX/2023 with tracking number XXXX with usps. I also gave experian a call at XXXX XX/XX/2023 to discuss why I can not remove addresses I never lived at and accounts that I have on my report that I no nothing about. He stated that he will open an dispute. I have attached a copy of my dispute and yet I keep getting these canned responses from experian saying that my information has been verified but I have never received any information of how the accounts and addresses have been verified. This is causing me to be unable to obtain credit. I have attached communication from XXXX and XXXX XXXX. 

These are the usps tracking numbers for disputes that have been improperly handled and never received a response in the past. 
XXXX - XXXX XXXX XXXX XXXX XXXX Department XXXX - Experian XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX Experian XXXX XXXX XXXX XXXX Department XXXX XXXX Experian XXXX XXXX XXXX XXXX Department XXXX - Experian XXXX XXXX XXXX XXXX Department XXXX - XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX - Experian XXXX XXXX XXXX XXXX Department
Product: Credit reporting or other personal consumer reports

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Prepaid card

Received a pre-paid debit Visa card in the mail from a company called Cash ( Cash App? ). I did not request this card from Cash company and looking online many people have tried reporting this directly to Cash and customer service seems like a scam or very sketchy process to try and resolve the issue so I tried closing the account by directly calling XXXX XXXX. They confirmed it is pre-paid account with XXXXXXXX XXXX  and forwarded me to XXXX which was closed. Looking on XXXX website they direct pre-paid debit cards/accounts to call Cash App directly as they do not deal with these cards specifically ( odd ). So it's all a weird cycle. Since it's a pre-paid card though and my XXXX report does not show any new credit lines opened I'm thinking to just destroy the card and not activate it at a minimum. Nothing has been purchased in my name as far as I can tell so I have not exactly been scammed yet other than this account being opened not by me. I just didn't know why Cash would send unapproved and unsolicited debit cards to people ( poor marketing strategy? ) or if this was requested by a scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in order to inform you officially about violation of my rights by reporting inaccurate data in my credit report. 
The listed items are completely inaccurate and incomplete and it is a very serious error in reporting. I am writing this letter regarding unknown accounts below that suddenly from nowhere appeared in my credit report! Please take a look and make investigation as I do not not now the origins of these unknown items for me. I do not recognize these accounts and they are not mine .... Moreover, all of them are so visible in my report profile that I simply can not move on in my life.
Product: Credit card

I had a few fraudulent charges on my account from XXXX. So they charged XXXX XXXX XXXX XXXX and XXXX XXXX Interesting thing that transaction from from XXXX for XXXX $ and XXXX XXXX They approve. But XXXX XXXX Not they said we have reason to believe that XXXX $ + made by me but another transactions on the same day is not. 
From my experience I know that hotels put holds from XXXX $ to XXXX XXXX If it was a hold. Why it is not disappearance? Shame to Capital One.
Product: Debt collection

On XXXX XXXX, 2016 Synchrony Bank contacted my work at in regards to a Walmart credit card that I am late paying on and I have proof of the number and time of this violation as all inbound calls are saved at my work. This is a violation because I am not allowed to receive personal calls at my work. I work at a XXXX and they know I 'm not allowed to take personal calls while working in a XXXX on a XXXX basis. It 's a violation of my job 's policy. They did not follow proper procedures because they knowingly contacted me at a time they knew was inconvenient for me, regardless if I told them to do so or not. They have also been calling my phone with unknown caller id 's and leaving me automated voicemails to call them back. I have saved my phone records and voicemails for proof.
Product: Credit card or prepaid card

I completed a balance transfer with TD on XX/XX/2023, having 0 % interest for 18 months with a 3 % transfer fee. Here comes the XXXX statement and TD demands their 3 % balance transfer fee as the next payment, with the threat to avoid interest charges. The entire offer was to not have interest charges for 18 months. No where in the online balance transfer agreement does it disclose this. I was actually shocked at their level of no notices or paperwork other than the agreement offer stated above. I figured it was because we have a checking account with more than enough to cover most anything. But no, they failed to disclose this activity and that is illegal. The below listed individuals did nothing to resolve the issue other than noting every word I said to them into my account. No resolution was provided by either TD employee. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/1990 i tried cashing q check the XXXX XXXX XXXX for XXXX and this was almost 7-10 YEARS go and the bank said they couldn't CASH IT BUT if I WAS TO DEPOSIT it into a bank account then I could bank with wellsfRGO AND pull my money out with my debit CARD AS I PLEsed Sso i deposiyed the whole check stRTED a bank account and asked if i couod with drawl XXXX $ from my account they said yes and they said XXXX they had to put XXXX of my money on hold until eveeythin wS COMPLETE and they were to put thT MOMEY BACK INTO MY ACCOUNT WELL I NEBER GOT THt momey back and XXXX XXXX of that about XXXX days lTER I WENT TO USE MY BANK CARD AND IT SAID INSUFFICIENT FUNDS SO I WENT TO THE BANK IN ARIZONA IN XXXX XXXX XXXX XXXXXXXX an XXXX XXXX and they said they put a hold on my account and froze my account that i woulmt not be able to touch my money for at least two weeks so inwas upset and un professional had words with the bank, anger and he ended up calling the police and had me trespassed so i couldnt go amd receive my money and i got that money from my mother passimg away and at the XXXX, XXXX it wS EVERYTHING I had and that really messed me up left me homless on the streets and for no reason i want to sue for this and i had no idea i couod but i eventually got my momey back accept fpr the XXXX $ they put on hold and never returnes to, me... So I would like to be compensTED FOR THIS OR I CAN JUST TAKE THIS TO MY Lwyer now that i know I do habe a case unless u guys want to, ake mw a decent offer and we cN SETTLE IT LIKW THat ....
Product: Debt collection

I have sent several certified letters to Professional Bureau of C regarding a debt I have had no knowledge of and never had. I asked them to validate the debt because I NEVER had ANY XXXX services. They removed the debt each time but then after a few months they put it back on the report. I few months ago I spoke to a rep at the number listed on my credit report and he acknowledged it would be removed on the next month but it was not. When I called back the agents had an attitude and said I have an attorney on the case. They say each time I called the last call I made I said I had an attorney. I never told them that because I want this removed. At one point I was almost willing to settle it to have it removed for good but they did not talk to me. I have all the letters I sent out previously asking for it to be removed and have disputed it on my credit report. I am not sure what to do because i have attempted to have them validate this debt and they did not. It is for XXXX I told the credit bureaus this was happening and that they keep taking it off and putting it back on but they seem to be of no help. How do I get this permanently removed. Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in XX/XX/XXXX I spoke with XXXX ( Agent number XXXX ) over the phone with XXXX  XXXX in regards to account number XXXX and requested that the late payment remarks dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX made to my consumer report be removed due to it being non-public private, personal information, violating my rights under 15 USC 6803 A 1 Disclosure of institution privacy policy. XXXX denied me the right to control what is allowed to stay or be published to my consumer report also violating 15 USC 6802 - Obligations with respect to disclosures of personal information. I did not give XXXX  XXXX any permission to publish such defamatory information. These actions have caused me great emotional harm and serve XXXX as I am unable to utilize my consumer credit appropriately do to the on going abuse XXXX XXXX has created. I am extremely disappointed in XXXX XXXX for doing this to a customer of 7 years who has shown nothing but loyalty to your organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name XXXX XXXX I have serval accounts on my report that do not belong to me also addresses that dont belong to me please update address to XXXX XXXX XXXX XXXX XXXX Illinois XXXX thats my only address please delete any other address thats on my profile thanks
Product: Debt collection

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : EASTERN ACCOUNT SYST Original creditor : XXXX  Balance details 0 % paid off Balance {$270.00} Balance updated - Original balance {$270.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Account Status Unpaid Status updated XXXX XXXX ontact info Name EASTERN ACCOUNT SYST Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit card or prepaid card

I was a victim of XXXX XXXXXXXX that led me to the hospital for weeks for corrective XXXX and healing. I spoke with capital one about the defendant being the person who stole my phone, had access to the card and the account and processed payments and transactions. Capital one has reported that my balance is over every month and Ive not agreed to my obligations of the credit card but it was found 0 % liability for fraud. The account is closed and reported negative information for 3 months to credit bureaus and that was not the correct balance because of the fraud.
Product: Debt collection

Comenity Bank has repeatedly called my other relatives as of XX/XX/XXXX, XX/XX/XXXX, XXXX. They have repeatedly called my uncle and have left multiple voicemails and now after my uncle asked them to take him off the call list that he was never put on by me in the first place, they now have my step-mothers phone number are attempting to reach her. I have a voicemail that she has forwarded me ( from her phone )  of them stating my name, and my account information that is through them. At this point they are annoying me and the rest of my family.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I purchased a 2022 XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, Va. At the time of my purchase I already had financing to purchase and without my consent the Sales Manager requested financing, resulting in a hard pull to my XXXX score, with seven institutions that I did not authorize to do so. This was after the conversation between myself and the sales person advising of the financing I already obtained for the purchase of the car. Regrettably, it wasnt until the next morning that I was made aware by XXXX and the other credit reporting systems I use of the inquiries made by XXXX XXXX, XXXX, XXXX, BB & T XXXX XXXX, XXXX Bank, XXXX XXXX and XXXX XXXX XXXX XXXX making hard pulls to my credit the previous day. I followed up with XXXX XXXX and they provided me with a letter stating that the inquiries we not accurate and should be removed from my report due to their error. I submitted a request to XXXX through the online website to dispute and less than 24 hours they stated it was accurate and would leave them on my credit report for 2 years. No proper investigation was done nor was I asked or able to provide the documentation to support my request to have those inquiries removed. Today, XX/XX/2022 I called into XXXX to resolve the issue and instead of being assisted I was transferred back to the automated message at the start of the call. Prior to me being transferred back, the representative advised Id speak to a supervisor and that XXXX of the companies had retracted their pull. However their report states otherwise. I requested documentation to show proof of those inquiries being deleted and the representative refused to comply.
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 Experian and XXXX to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX  : {$310.00} XXXX XXXXXXXX Balance : {$2300.00}.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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
Product: Credit card

I applied for the Barclays Gold Luxury Card under the impression that annual fees for XXXX military would be waived while I was in possession of it and maintained good standing. I received a letter stating this and also followed up with the organization late in XXXX to ensure there were no changes in store. I was assured that no changes would be made for military members. 

The intent of my application was clear, however I just received a letter stating that I will be required to pay a {$990.00} annual fee beginning XX/XX/XXXX. I feel I should be grandfathered into the annual fee waiver as I applied before this changed as a military member. Additionally, this will financially impact me negatively.
Product: Credit card or prepaid card

My small business has a XXXX XXXX XXXX credit card with Chase Bank. I wanted to change the authorizing XXXX on the card from myself to my wife, who is the principal business owner. Over the last XXXX  months, Chase has consistently failed to receive the required forms via the submission route they requested, and consistently failed to give me any help or information about how to submit the forms such that they will actually receive and process them. They have rebuffed all requests to speak with anyone in the department responsible for handling those forms, and repeatedly told me to wait XXXX  days with XXXX assurance of assistance. At no point has anyone acknowledged receipt of the form, or offered to help positively confirm the receipt of said form. 

XX/XX/XXXX : I submitted a Change of Authorizing Officer form to the fax number provided XX/XX/XXXX : I called Chase, and they let me know that they had not received the form. They subsequently mailed me a new one, which I submitted via the fax number provided XXXX XXXX, XXXX : I called Chase again, and they said they could not find the form. I resubmitted via the fax number provided XX/XX/XXXX : I went to my local Chase branch, and sat down with a business banking specialist. He made some phone calls, and was able to determine that they yet again could not find the form. He resubmitted the form for me via fax XX/XX/XXXX : I enquired via secure message whether they had received the form XX/XX/XXXX : Chase support replied to my secure message, saying that they could not find the form, and that they had mailed me a new one XX/XX/XXXX : I gave up, submitted this complaint, and plan to close the card
Product: Credit reporting or other personal consumer reports

I filed a complaint with these Bureaus a month ago, but the wrong info on my report is still there. To make matters worse, I haven't heard back from them, and theyve already closed my complaint. Can you tell me why they did that without fixing anything? Did they even look into my dispute? I really need to know that theyve checked the inaccuracies and verified the accounts. What methods did they use to do that? This whole situation is super frustrating! Its been over 30 days since I complained, and I thought the accounts would be updated by now. If they dont get updated soon, I might have to consider legal action because this has been really stressful. Plus, Im worried about my personal data security after the Equifax, Experian, and XXXX breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the following letter on XXXX XXXX TO WHOM IT MAY CONCERN : Per FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of any and all authorization I, XXXX XXXX, the consumer may have given you written, unwritten, verbal, and non-verbal per 15 usc 6802. EFFECTIVE IMMEDIATELY AND INDEFINITELY. 

PROMPTLY REMOVE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Thank you for your assistance in this matter, XXXX XXXX