23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I am the author of this complaint. The supporting details have been accessed and then provided with my PII data, and as such, should qualify for any validation you- Equifax, may require. 

There have been greater than 4 attempts to fix this issue, and the issue remains. 

The last complaint is attached. 



The issue - 1. My Physical Home Address continues to be updated at Equifax 2. The address being an previous address, almost 4 years ago 3. I do not, and have not lived at this address in almost 4 years 4. XXXX XXXX XXXX XXXX, XXXX NJ XXXX- is not, my current address 3. This has been disputed to Equifax- and on numerous occasions 4. Inquiries/Disputes to Equifax - that latest being XX/XX/2021, have yielded no assistance or fixes 5. Equifax 's representatives have been unable to determine the source of this data 6. The impact to me as consumer - is there is then an mismatch with my true data - and fictitious data at Equifax 7. Access to my own credit data is prevented when it does not match 8. I have NOT caused an inquiry to EQ, with any data 9. Applications for credit - where mismatch occurs, may also be impacted 10. The Last Reported Date, for the Address in XXXX NJ- you EQ - store, is XXXX XXXX, XXXX. 11. Wholly, inaccurate My Current Address is, provided in this complaint and - is XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NJ XXXX Please stop allowing a Data Furnisher - especially when historical as I have absolutely no new debt or inquiries in the last 4.5 years, to update my contact information. The impact to me is devastating. Communications, and the like, validation of who I am- is impacted by this fraudulent data.
Product: Checking or savings account

Our business checking account with Suntrust / Truist had 43 fraudulent checks processed on our account totaling around {$37000.00} back in XXXX of 2021. Someone falsified our checks and did mobile deposits into their account. Suntrust is denying the clams for no reason. We have spend hundreds of hours talking with Suntrust and no one can help us. 

The falsified checks are not even signed and Suntrust still processed the withdrawal.
Product: Credit reporting or other personal consumer reports

TransUnion has engaged in negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under statutes XXXX XXXX. XXXX and XXXX ( b ), which pertains to civil liability for negligent noncompliance. 

On XX/XX/XXXX I submitted my first dispute regarding the inaccurate information on my credit report. In accordance with FCRA regulations, I expected TransUnion to conduct a thorough investigation of my claims. However, not only did I receive an unsatisfactory response, but I subsequently sent XXXX ( XXXX ) additional letters to TransUnion requesting clarification and the methods used to verify the disputed accounts. These letters were dated [ XX/XX/XXXX and XX/XX/XXXX ]. TransUnion failed to provide any response or documentation addressing my legitimate requests. 

Deviation from the proper procedures for investigating disputes, as enacted under the FCRA, constitutes a breach of their obligations as a credit reporting agency. The lack of compliance signifies TransUnion 's negligence in maintaining accurate and up-to-date information on my credit report, which ultimately affects my creditworthiness and financial health. 

In light of their failure to adhere to the statutory requirements of the FCRA, I am requesting that the Consumer Financial Protection Bureau take the necessary steps to address TransUnion 's negligent noncompliance, as per XXXX. It is crucial that credit reporting agencies comply with the law to ensure that consumers are treated fairly and that their credit reports reflect accurate information. 

Please let me know if you require any further information or documentation to assist in this matter. Thank you for your attention to this urgent issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Related to reference # XXXX My wife called on XX/XX/2021 to dispute a judgement that appeared on her report and called back on XX/XX/2021 to confirm whether it was also on mine. After I gave the ok for her to talk to my wife, the phone rep confirmed it was on my report, and my wife asked that it be removed. She indicated a dispute had already been filed and it can take up to 30 days. 37 days later, the bank pulled our credit, and while it's finally been removed from my wife 's record, it's still on my mine ( though there's now a note that the judgment was released ). We called LexisNexis and were informed that a dispute was never initially filed under my name ... even though my wife was reassured numerous times over that once the resolution was provided, the judgment would be removed from BOTH reports. She called again today ( day 49 ) and still no resolution has been submitted. The phone reps are limited in their abilities and the " dispute team '' is unresponsive. Do I have to file a lawsuit to get this resolved!?
Product: Checking or savings account

Today Monday XX/XX/2023 I sent 2 wire transfers from my connected brokerage account ending XXXX to XXXX XXXX XXXXXXXX ( see attachments ) A few hours later I went to log into my Schwab account and noticed it was locked. It said to call customer service. I called and they said I must wait up to 24 hours for it to be unlocked after I answered all verification questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report a few weeks ago and I noticed I have accounts on my credit report that don't belong to me or I never authorized. I notified my family lawyer and he instructed me to file a complaint with the CFPB 1st. The following accounts are fraudulent and are not mine and need to be deleted from my credit report. XXXX/XXXX  XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX. Also these inquiries are fraudulent and not mine and need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Also on my personal information my Address is : XXXX XXXX XXXX XXXX, Texas XXXX and my Employment is XXXX XXXX XXXX XXXX XXXX. Please correct my information, none of the other personal information applies to me.
Product: Credit reporting

After filling out the questionnaire, I was rejected from viewing my credit report. I answered the questions honestly and to the best of my knowledge, and I was given no reason for why I was rejected. If someone has been fraudulently using my identity for a loan or an account, that may have made my answers incorrect on the questionnaire, which in turn could have resulted in my denial. Am I expected to know what 's in my credit report before I actually see it?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and un- protected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2014, I filed paperwork for a bankruptcy. The bankruptcy was dismissed because I changed my mind and didnt pay the court cost for it to be official filed. I never went to court, turned in any additional information, or paid a fee. The bankruptcy is being erroneously reported by all three credit bureaus. I have disputed this many times. The wording was updated with one of the credit bureaus, changed from discharged to dismissed, but the bankruptcy was never removed. I have disputed this about 5 times. I believe the credit bureaus are improperly investigating this matter correctly resulting in a negative impact on my credit. I am requesting this information be removed from my credit history. Again, I did file initial papers to the court, but changed my mind and did not go through with the bankruptcy and paid off creditors. 

I would also like to request that all creditors who requested my credit in the past 60 days, are notified and provided an updated report.
Product: Debt collection

The account from Jefferson Capital is over 10 years old. XXXX and other credit companies took it off my account but XXXX is having a hard time doing so when the account is too old to be there. What is the issue and how can it be resolved and removed!? I disputed twice!
Product: Credit reporting, credit repair services, or other personal consumer reports

Error, inaccurate information. Im not an authorized user, and neither do I have a XXXX XXXXXXXX account, my name is inaccurate my name is not XXXX XXXX, or XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. Someone took a car loan under my name with Westlake financial. I have filed police reports and ftc report. I have been receiving tickets dmv registration renewals that were going to my previous address. I had contacted Westlake financial in the past letting them know this is fraudulent. They have brushed it off. I recently signed up with XXXX XXXX and all of the credit monitoring and started noticing that Westlake financial is accepting payments for the fraud account. I recently reached out to them again XX/XX/year> submitted my concerns submitted my police report with them send them a bill so I can confirm my identity. They stated they will investigate. They refuse to send me the contract. They do not want to remove the fraud account. I have requested to close the account because its fraudulent they keep telling me theyre investigating while accepting payments from the fraudulent account. I dont own or opened this account. This is very stressful because I have baby and work I cant abate to also be investigating and sending documents. Westlake is acting fraudulent I need help.
Product: Credit reporting or other personal consumer reports

To whom it may concern : XXXX XXXX, XXXX, I looked at my report. I sent a letter to TransUnion on XXXX XXXX, XXXX, asking them to reinvestigate these accounts : 1. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX, they sent me their investigation and said the accounts are complete and accurate. 
I looked at my report and noticed everything is still the same In addition, according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the file of the consumer or modify that item of information has been modified or deleted from the file of the consumer. 
( ii ) Promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report. 
Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

And according to 15 USC 1681 s-2 this is supposed to happen ( A ) Reporting information with actual knowledge of errors. 
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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer, at the address specified by the person for notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate. 

TransUnion really did not reinvestigation they lied on an official document saying they did something that they did not do, and I have evidence to prove my case.
Product: Checking or savings account

On XX/XX/2024 I attempted to place a web order for items totaling {$150.00}. I had more than sufficient funds to cover the transaction. The website returned an error indicating that the server rejected the transaction and suggesting to try again. I attempted the transaction again with the same result. My account reflects transactions of {$990.00} and {$150.00}, the first amount is incorrect as at no point did I attempt to purchase items totaling that amount, these transactions seem to have been " held '' so as to maximize overdraft fees, and the credits for the failed transactions were withheld. Furthermore, when opening the account I recall specifically choosing to not opt into overdraft protection or coverage. This institution told me through the hotline that all accounts are automatically opted in.
Product: Credit card or prepaid card

We called so many times to the bank to dispute the ticket that we bought from XXXX XXXX  because they cancelled it and they asked me more more money to rebook it.But that agent it hard to negotiate they asking us {$550.00} dollars for refund fee each ticket
Product: Credit card or prepaid card

On Sunday, XX/XX/2022, I realized I was under an Identity Theft attack. I called USAA and informed that that my account had been compromised because the hacker had taken control of my XXXX phone. I informed USAA 's customer service that a fake checking account and a new savings account were created in my name at USAA. And a new credit card was ordered as well. I asked USAA to close the new accounts and shut down my XXXX existing credit cards. They told me they would. They did not. I found out later that week that not only had USAA reactivated my XXXX credit cards, but they had also sent a replacement card for my existing VISA. On Wednesday, I discovered this. I spent 3 hours with USAA customer service. Meanwhile, {$1800.00} had been charged on my old card XXXX. The hacker also charged thousands on the new card. While I realize that I will not be liable for any charges, USAA 's lax security measures after I reported this situation has caused me great stress. I believe USAA 's security measures are lacking in effectiveness. I have lost confidence in USAA.
Product: Debt collection

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.
Product: Credit card or prepaid card

On XX/XX/2022, I purchased a {$100.00} Vanilla gift card and was charged a {$5.00} activation fee. Later that day, I gave this gift card to my mother, and a short time after that, she tried to check the balance and got a message that the card had no balance. She contacted Vanilla who told her the someone in XXXX has used the card and there are pending transactions. The said there was nothing they could do, and wouldn't even cancel the pending items. I then called XXXX where I purchased the gift card, and they told me there was nothing they could do. I called my credit card company, who at first said there was nothing they could do, but after speaking to a supervisor, they said they would investigate and if XXXX agrees to reimburse us due to a fraudulent charge, we could get our {$100.00} back. I told them that unless XXXX did the scamming / stealing of our money, it isn't a fraudulent charge. I wrote three messages to vanillagiftcard.com via XXXX, and they have ignored me. As of right now, I am out of {$100.00}, and no one will help us. We have been scammed, and don't know who it was, or how it happened. In searching Vanilla gift cards, I see others have been scammed out of their money. Is there something you can do to help us get refunded?
Product: Student loan

Navient was found to have been dishonest regarding my student loan. After XXXX  years of disputing it, The Federal Department of Education found against them. Navient was instructed to clear and close my account, which they did. However, they keep the file active in the credit bureaus, which has continued to harm me beyond the XXXX  years it took to get this resolved. They should remove any and all references to any loan with them, since they were found dishonest.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding improper investigation into my credit report, which continues to negatively impact my credit. You have failed to remove and have reinserted errors on my credit profile. As per the FCRA 611 ( 15 U.S.C., 1681i, you have failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act.

Given the CFPBs findings and your previous handling of my dispute, you have not fulfilled your statutory obligations. Let this letter serve as formal notice that I expect the following actions to be taken immediately : 1. Delete or correct any unverified, inaccurate, or incomplete information 2. Provide me with detailed explanation of the investigation process and furnish supporting evidence to verify the information in question.

3. Send me an updated copy of my credit report reflecting any changes.

Under FCRA 611 ( A ) ( 5 ) ( A ), if the disputed items can not be verified, you are legally obligated to remove them from my credit file.

Failure to comply with the FCRA will leave with no choice but to escalate this matter further by filing a complaint to CFPB, the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

I trust that you will take immediate action, corrective action and provide a response within the 30 days required by law
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about Nelnet and my XXXX discharge. I sent them the award letter in the middle of XXXX and they have not given me updates while its being processed but instead has reported 9 new installment accounts and 9 new credit accounts on my credit report. I received notice on XX/XX/XXXX that you received my application. In that time, you have reported 9 new installment accounts and 9 new credit accounts to the credit bureaus. This, in turn shortened the length of time when I had the loans in my name and that reflected poorly on my credit report. The interest that you are charging me is inconceivable, and it increased my total amount due and owing according to the bureaus. You never sent me documentation of the interest charges that would accrue while I was under a decision of my XXXX before you notified the credit bureaus. I feel as though during this transition, reporting to the credit bureaus would be the least of your worries since I have given you my award letter from Social Security. During this process, my loans should have been held in a deferment or forbearance rather than reporting the negative information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of account number [ XXXX ] for my credit card of XXXX XXXX XXXXXXXX XXXX XXXX to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of XXXX XXXX XXXX XXXX and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to XXXX XXXX XXXX XXXX, creditors must send periodic statements, including all information required by section XXXX XXXX XXXX XXXX at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card, have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Month of reported late payment : [ XX/XX/year> ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX