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

On going issue with all 3 credit reporting agencies I feel discriminated upon targeted to stay stagnated. I have reported and frozen and alerted my credit XXXX of fraud and XXXX even breached my information. I have a supposed credit monitoring added to help but nothing has helped or been done I have disputed my soft inquiries and hard and most remain I mean one company is reported on my soft inquiries at the least 25 times to keep my score down. I have already explained that after my no which is also reported wrong it states I claimed no because of business failure which is incorrect and they know this and still report it. An account which was prepaid and never late is being reported as negative and I have reported this for years and still there and disputed the inconsistencies of wrong amounts reported negative and still reporting. I want a federal investigation as to how I and am sure many others are being oppressed by these reports and misinformation I would like it removed and rescored immediate action taken I only keep receiving letters for me to verify my information when I have asked them to verify with each company to provide the proof given to them to be able to even run my credit when I know no identity information proof was given because I havent applied for anything
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to correct this incorrect information reported on my TransUnion credit report. 

On XX/XX/XXXX, I mailed a certified letter to TransUnion LLC Consumer Dispute Center at XXXX XXXX XXXX, XXXX, PA XXXX. The letter was in regards to an incorrect late payment reported on my TransUnion credit report. 

The disputed account name on my TransUnion credit report is " XXXX XXXX XXXX XXXX The account number is XXXX. 
The disputed payment is dated " XX/XX/XXXX '' I have never been late on any payment. I have provided a copy of my letter to TransUnion. I have also provided a copy of my XXXX credit report showing this payment was made on time. I have also been denied credit offers due to this error being reported on my TransUnion credit report. 

In response to my dispute, TransUnion mailed me a letter stating that the disputed late payment has been validated. I am questioning the quality and results of their investigation of my dispute. How can the late payment be validated when I have made all payments on time for this account? Here is my certified USPS tracking number : XXXX.
Product: Checking or savings account

Subject : Complaint Regarding Holding of Funds and Account Closure Request with SoFi To Whom It May Concern, I am writing to bring to your attention a concerning issue I have encountered with SoFi regarding the handling of my checking account. Since XX/XX/year>, SoFi has been withholding my funds amounting to {$440.00} without providing me with an estimated timeframe for account closure. This lack of transparency and communication is highly concerning.

Despite my repeated inquiries, SoFi has failed to give me a clear timeline for when my account will be closed and my funds released. Furthermore, they have informed me of their intention to return the funds to the original creditors, which is not acceptable to me. I have explicitly requested that the funds be transferred to another checking account linked on file, yet SoFi has not honored this request. 

This situation has left me feeling as though my funds are being held hostage, and I am deeply dissatisfied with SoFi 's handling of this matter. I demand that my funds be promptly transferred to my designated checking account and that my SoFi account be closed immediately, as I no longer wish to conduct any business with an institution that operates in such an unprofessional manner. 

I appreciate your attention to this matter and trust that you will take the necessary steps to ensure a swift resolution.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX auto finance has now reported a late payment to the credit reporting agencies, even after the account was disputed and it eas never released the information that was requested, consent eas never given to release private information to a third party and late payments are not apart of credit transaction. This account has been under investigation for securities fraud as well as a complaint has been filed for tax evasion of the creditors by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing with great concern about inaccurate information about my credit history being used to determine my FICO Credit Score. My FICO credit score used to be in the 800s, now recently it has fallen to XXXX without any changes to any of my credit reports. I have contacted both TransUnion and, most recently, XXXX  to try to correct this matter to no avail. 

I have always taken my financial credit history very seriously and have been very diligent in paying all of my debts off in a timely manner throughout my entire life. I have never even had a late payment and certainly not a delinquent account, contrary to the information XXXX  and TransUnion are using to create my credit scores. Somewhere along the line, data about me has been entered incorrectly or files have been merged with someone elses information. 

I called XXXX  about this problem on XX/XX/XXXX of this year and they were unable resolve anything for me. They asked what account information on my credit report with them was incorrect, but that is the issuemy entire credit report is clean without any negative marks against me, which is not reflected on the FICO credit score they are giving me!

They were not able to find any negative marks against me on my credit report, but acted like these scores are carved in stone tablets and only the hand of God could change them. They gave me some convoluted maze of logic about the FICO Score Model they use, ignori
ng the lack of negative information about my history.

One of the Customer Service reps at XXXX  told me to get help from a Financial Credit Advisor, insinuating that it is my lack of financial responsibility, when in reality, it is their lack of accuracy and responsibility in safeguarding US citizens financial welfare. An everyday citizens ability to buy a home, vehicle, insurance or get a loan depends on these companies being accurate with these FICO scores. It is the fault of management of these Credit Bureaus for their employees carelessness in handling peoples precious financial information and lack of training in correcting their mistakes. They are great at trying to upsell you on monthly credit report services or somehow boosting your score by paying for it. Try just adding the correct information into peoples files in the first place. 

We are all well aware of XXXX carelessness and lack of security that exposed millions of taxpayers financial information to identity theft. I guess this carelessness is systemic to that industry. Eventually, I hope the US Congress steps in and restructures the way these companies operate. 

I had no other alternative than to pursue this issue through an official government complaint. I have attached my credit reports and screen shots of my credit scores as evidence to support my claims. Your attention to this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These unauthorized inquires I've sent on XX/XX/21 have been affecting my credit profile, and costing me XXXX  of dollars in interest that I cant get back, and also have been costing me job opportunities. It's been embarrassing for me and my family. It's already stressful during these times of covid, and I dont think I should be penalized for it. This is not a regular dispute. I have filed a complaint with the FTC and XXXX, and to my knowledge, I do not recall giving consent or written agreement for any of these inquiries. According to 15 US 1681 ( n ), and 1681 ( o ) this a direct violation of the law, and the fair credit reporting act. I need this problem to be handled expeditiously. I can not wait for another 30 to 45 days in the name of covid. I demand these accounts be removed immediately, please. I will file for litigation due to the stress thats being caused. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, my credit was ran without my permission. I emailed XXXX XXXX in XXXX, NY about a XXXX  XXXX vehicle. I never said I wanted to submit a credit application and I clarified many times that I was looking to only put a deposit down. I already knew which bank I was going to finance through and expected this process to be done in person, at the dealership when the car arrived. XXXX, the salesperson I was emailing, also mentioned that in order to move forward with the DEPOSIT, he needed certain information which is why I provided it. That information was used for a credit application, which I wasn't trying to do. Please see my attachment for reference, I highlighted it many times where I mentioned a deposit. As a result, M & T Bank XXXX and XXXX  XXXXXXXX XXXX XXXX are on my XXXX and XXXX  XXXX ( bank ) is on my XXXX. I have reached out many times since XXXX. XXXX XXXX has not tried to help. This is very frustrating. XXXX XXXX, Assistant Sales Manager, responded " As soon as someone gives us a deposit and a credit app we submit the information to the banks to get an approval ''. The thing is I never submitted a credit app OR gave them approval!! They didn't even try to help me remove this. I want to make a formal complaint against XXXX XXXX for doing this.
Product: Credit card or prepaid card

Last week, I received XXXX emails about my XXXX XXXX card : the first said a new one was due to arrive in the mail, the second instructed me to ignore the first email because my account was closed ( which was an absolute surprise as that was news to me ), and the third told me to ignore the second email as my account _wasn't_ closed. I tried calling them, but was on hold for about an hour and no one ended up answering. Today I received my new card in the mail, but upon trying to activate it, both the automated phone system and online activation say there is no record of my account. My credit report shows the account still open, but I can't even log into the Comenity website to check as the site throws a " technical glitch '' error message every time I try to sign in. Nothing seems to be working at this company and I can't manage my account or even get a hold of a real person to understand what's going on. 

It feels like something is being covered up ; whether it be a cybersecurity incident or a botched system upgrade, this should not be happening to an institution in charge of this much sensitive personal and financial information. 

Leadership needs to step up and explain to their customers why their entire online and phone system have been in disarray for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to XXXX, XXXX, and TransUnion for the past several months, nine months, to be exact regarding the inaccurate late payment reporting on my credit report from XXXX XXXX  XXXX. I have also ask for the method of investigation which all three credit bureaus have failed to provide me with the requested information. 

There is no notice of dispute annotated on my credit report stating that I have submitted a dispute for the XXXX XXXX XXXXXXXX account. According to 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute Well, there is no notice of dispute noted on my credit report for that XXXX XXXX  XXXX account. 

Therefore, my consumer rights under the FCRA has been clearly violated since the FCRA clearly state that a notice of dispute must be provided. 

In addition, I am providing a copy of attached screenshots showing where XXXX, XXXX, and TransUnion have receive my dispute letters and claimed the account came back verified but yet my credit report do not show where I have been disputing this account for months. 

Also, XXXX, XXXX, and TransUnion have failed to ensure maximum accuracy which is also a violation of 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy because how is it that XXXX and Transunion are reporting a 30 day late payment but XXXX is reporting a 60 day late payment for the same account during the same timeframe, XXXXXXXX XXXX XXXX. It's impossible for the same account to report different status which is inaccurate reporting. 

Therefore, according to 15 U.S.C. 1681i Paragraph ( 5 ) 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 I expect for the inaccurate late payment that's reporting on my credit report from XXXX XXXX  XXXX be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as follows : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : $ XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$19000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my EXPERIAN credit report recently and found some inaccurate reporting on my credit report. I wrote EXPERIAN a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. EXPERIAN is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : INQUIRY - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never been late on this account. please correct inaccuracies in payment history... Attached is the letter i wrote to EXPERIAN in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have been a victim of identity theft, and as a result of the Louisiana Data breach, all of my personal information and credentials have been exposed. I do not have an account with XXXX XXXX XXXX, and my credit report reflects inaccurately. There is an inquiry on my credit report that does not belong to me due to identity theft, and I have no knowledge of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if XXXX is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and several request with cfpb and nothing is being done by XXXX. 

According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and XXXX has refused me that right. I made a call to XXXX XX/XX/XXXX and was denied my right by a rep name XXXX. 

Furthermore there is a bankruptcy that is reporting on my credit file that does not belong to me. I have disputed this several times and it is constantly coming back as accurate and there is no way this bankruptcy belongs to me. I have written the court and asked that they explain to me why this bankruptcy was showing on my report and I never filed bankruptcy and the US Bankruptcy court advised me that they do NOT share information with the creditors.

In XX/XX/XXXX a law was passed stating that medical bills and bankruptcys can not show on someones credit report if the report does not have a special feature that proves its you. ( Such as date of birth last 4 of ss # ect ) I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does whatsis right under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are four accounts listed on my Equifax and XXXX credit reports that do not belong to me. They are all from the same company with different amounts showing. The company is XXXX. I have disputed these accounts and XXXX has supposedly deleted one of them off of my credit report. XXXX XXXX shows a notice which says : Collections Account Removed XXXX between XX/XX/XXXX and XX/XX/XXXX your XXXX collections account was removed from your credit report. My credit report dated XX/XX/XXXX stills shows them all on there. These accounts do not belong to me and I want them removed from my credit reports. 
Thank You for Your Time
Product: Credit reporting, credit repair services, 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  ( Original XXXX ) # XXXX - IDENTITY THEFT XXXX XXXX  Account # XXXX - IDENTITY THEFT 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: 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 and address fraud on their platform, leaving my account vulnerable, unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTa ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate compensation for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. 
Equifax is stating that " inquiries are a factual record of file ''. How are these inquiries factual when I have contacted the creditors and the creditors have no account. 
Furthermore, they have no knowledge of me doing business with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : XXXX XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report TransUnion XXXX XXXX XXXX XXXX XXXX IL XXXX OR XXXX XXXX XXXX XXXX XXXX PA XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX for five years and I have never lived in these addresses reported on my FICO report and incorrect names places on my credit report as well. Please consider this a formal request to investigate and correct the following ( 3 ) inaccurate addresses on my credit report issued by your agency and ( 4 ) different names thats fraudulently not mines. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses/ Names listed below : 1. XXXX XXXX XXXX XXXXXXXX XXXX GA, XXXX Address ID # XXXX Multifamily 2. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX Single family 3. XXXX XXXX XXXX XXXX XXXX NY, XXXX Address ID # XXXX Single family 4. XXXX XXXX XXXX Name ID # XXXX XXXX. XXXX XXXX Name ID # XXXX XXXX. XXXX XXXX XXXX Name ID # XXXX XXXX. XXXX XXXX Name ID # XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you