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

During the time period about May 1-5, 2021, Transunion received, approved for posting, and did post a large number of derogatory credit reports from an outfit that styles itself XXXX XXXX XXXX XXXX XXXX XXXX, including a derogatory posting to my credit report. On information and belief, this data dump is comprised entirely of fraudulent postings and/or illegal debt parking of transactions that are barred by the Fair Credit Reporting Act from collections. 

Transunion was twice informed in my particular case that the posting was erroneous, and Transunion affirmatively declined to take mitigating action. 
An XXXX search reveals hundreds of other identical complaints in the same time frame. 

It may be significant that other credit reporting agencies did not post reports from XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX claims an office address XXXX California XXXX XXXX, XXXX CA XXXX. This appears to be a mail drop. A business entity search with the California Department of State indicates XXXX XXXX XXXX XXXX XXXX does not operate lawfully in California as a domestic or foreign corporation, nor has California statute regarding registered agent for service been obeyed. Similarly, XXXX XXXX XXXX is not authorized to undertake collections activity in the state of my residence, Maryland. 

I believe that the overarching purpose of these activities is to effect a conspiracy of extortion, wire fraud, and deriving from those felonies, racketeering in violation of federal and state laws. 

It is believed that the stealth described herein is in furtherance of racketeering activity by Transunion and " XXXX XXXX XXXX XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bank shows 3 paid off accounts at times as paid off satisfactorily ( correct ), and at times as closed delinquent ( incorrect )
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds.1 believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that I did not authorize. These accounts were open without my knowledge. I have already filed a complaint with Federal Trade Commission and attached you will find my Identity theft report. These accounts are fraudulent and need to be removed immediately. There is a personal loan for XXXX that was un authorized. There was a XXXX  account opened in my name the balance is XXXX  also 2 duplicate medical accounts Please investigate immediately and remove these un authorized accounts as soon as possible. Thank you
Product: Checking or savings account

Complaint against Robinhood Financial LLC : XXXX. On XX/XX/XXXX, while visiting my birth country XXXX as a naturalized XXXX citizen, Robinhood abruptly locked my account. 

XXXX. Since returning to the XXXX, I've been unable to resolve this issue : - No response to detailed inquiries - Unable to speak with a live customer service agent - Phone support is unresponsive - No online chat option for login issues XXXX. Key concerns : - Robinhood lacks adequate customer service channels for urgent account issues - No clear guidelines provided for resolving travel-related account locks - Account restriction appears arbitrary, as XXXX financial transactions with XXXX are not prohibited ( XXXX function normally ) XXXX As a naturalized citizen with family ties, occasional travel to XXXX is unavoidable XXXX XXXX Requests for investigation : - Robinhood 's inadequate customer service infrastructure - Justification for XXXXspecific account restrictions - Lack of clear procedures for resolving travel-related account issues I urge CFPB to address these concerns and ensure Robinhood lets me access my account move/withdraw funds and implements appropriate customer service measures for travel-related account problems. 

History from the most recent event to the oldest : XX/XX/XXXX Case Number : XXXX from XX/XX/XXXX latest - No follow up XX/XX/XXXX Case Number : XXXX - Notification that this issue was passed to a XXXX XXXXXXXX/ XXXX XX/XX/XXXX Case Number : XXXX - Response that issue was forward to another department/ XXXX XX/XX/XXXX Case Number : XXXX - Response that issue was forward to another department/XXXX XX/XX/XXXX : Email notification account is locked/I responded to it confirming it was me.
Product: Credit reporting or other personal consumer reports

The inquiries listed in the FTC report attached were not authorized to run my credit " I am only reporting Hard inquiries listed with the following companies that I did not authorize and want all removed. 
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 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 reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the CARES Act a furnisher of data to the consumer reporting agencies allows it customers to defer payments, make partial payments, modify credit terms or make other arrangements for its customers affected by COVID 19 should not report any account as delinquent, but should continue reporting accounts as current. These requirements are retroactive to XX/XX/2020. 
Experian, XXXX, and XXXX did not remove my late payments on XXXX and XXXX of XXXX with my XXXX XXXXXXXX account. I sent letters to these three bureaus almost 2 moths ago. My letters are attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - Account # - XXXX. This account dropped off my credit report and then started showing up again as delinquent a year later. This account should have been removed from my account. This account was not showing up in my report for the past year until today. See attached report from last month I had no negative account and this month this account was put back into my credit report.
Product: Credit card

On XXXX XXXX, I noticed unusual activity in my accounts that I did not authorize. Transactions were made, and accounts were accessed without my consent. I immediately contacted the relevant companies to report the issue and took steps to secure my accounts, including changing passwords and monitoring for further suspicious activity. Then the account was closed and sent to collections. I tried to pay for this fraudulent transaction but it wasn't received and sent back by Bank Of America. I'm not sure who is responsible for the identity theft, but I would like to resolve the situation and for my credit score to go up.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX  XXXX XXXX Balance : {$270.00}
Product: Credit card or prepaid card

My nephew was treated at XXXX XXXX for XXXX XXXXXXXX XXXX XXXX  2022 with XXXX XXXX XXXX. I have written hospital XXXX weeks ago without response There is overcharges on XXXX day of these treatment which I will point out as follows : XXXX Supplies : Day XXXX : XXXXXXXX baht,  Day XXXX, XXXX, Day XXXX, XXXX overage charge : XXXXXXXX baht XXXX XXXX days = XXXXXXXX baht. 

XXXX XXXX for XXXX : Day XXXX, XXXXbaht, DayXXXX XXXX Day XXXX, XXXX Overcharge : XXXXXXXX baht. 


Total XXXX baht XXXX XXXX baht/USD = {$22.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX  Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) 1700 G Street NW XXXX XXXX XXXXXXXX Re : Complaint Regarding Failure of Experian to Investigate a Dispute under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to file a formal complaint against Experian for their failure to properly investigate and resolve a dispute I submitted under the Fair Credit Reporting Act ( FCRA ). Despite providing all necessary documentation and clearly disputing inaccurate information on my credit report, Experian has not complied with their obligations under federal law. 

I am disputing a collection account reported by XXXX XXXX XXXX, with the account number XXXX and a reported balance of {$180.00}. On XX/XX/year>, I submitted a dispute to Experian, stating that I do not recognize this debt and requesting that they provide validation of the debt or remove the inaccurate account from my credit report. However, despite the FCRAs explicit requirement that credit reporting agencies conduct a reasonable investigation, Experian has failed to verify the information or provide any resolution. 

According to the FCRA ( Section 1681i ), Experian, as a credit reporting agency, is required to : XXXX. Conduct a reasonable investigation of a dispute within 30 days of receiving the dispute notice. 
XXXX. Provide the consumer with a written statement of the results of the investigation, which includes a summary of the evidence reviewed. 
XXXX. Correct or delete inaccurate information that can not be properly verified during the investigation. 
XXXX. Not report any information that can not be verified within the required time frame. 

In my case, Experian has failed to fulfill these obligations and has continued to report the inaccurate collection account without proper validation or investigation. Their actions are a violation of the FCRA and have resulted in harm to my credit profile and financial standing. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Experian complies with the FCRA and corrects any inaccuracies related to this dispute. Additionally, I seek confirmation that Experian will promptly complete a proper investigation in line with the law and provide me with the required documentation regarding their findings. 

Please find attached copies of my dispute letter to Experian and my credit report showing the disputed XXXX XXXX XXXX collection account. 

Thank you for your prompt attention to this matter. I trust that the CFPB will take the necessary steps to ensure that my rights under the FCRA are upheld. 

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

I am writing in regards to discrepancies I have found on my credit report. I am requesting are-investigation be conducted for the following accounts : Account Name : XXXX Account Number : XXXX Inaccuracy : reporting a balance while reporting as charged-off every month, different balance updated dates, reporting different balances Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX : reporting a balance while reporting as charged-off every month, different balance updated dates Account Name : XXXX XXXX XXXX 
Account XXXX : XXXX Inaccuracy : reporting a balance while reporting as charged-off every month, different balance updated dates, no note that the debt has been disputed By law, all charge-offs are obligated to report with a XXXX balance, if the balance does not say XXXX than that constitutes as inaccurate reporting. These accounts are also reporting a charge off balance each month creating the false representation that the accounts have active payment history which re-ages the debt, forcing it to stay on my report longer, which is illegal. As you are aware, the IRS identifies a charge off as gross or ordinary income as the company has cancelled the debt and written it off as a loss. By law, these companies were supposed to send me a XXXX099c in the mail to file during tax season and failed to do so, not only are they committing tax fraud, they are violating numerous Federal laws of which you are complicit to. Income does not get reported on a consumer report. These accounts have not been properly verified and are being reported inaccurately. Please delete these accounts for inaccurate reporting. I believe this may be an error because these accounts do not belong to me. Please verify and permanently delete these accounts immediately for failing to comply with the FCRA.
Product: Credit card

XXXX XXXX ( Indigo Credit Card ) closed my credit account without prior knowledge. This company did not contact me or tell me any reasoning for closing my card account, only that it was fraud. I did no fraud on my account and was making payments monthly on the account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  RE : Inaccurate Late Payment Reporting on XXXXXXXX XXXX XXXXXXXX Account Account Number : XXXX Dear CFPB, I am writing to formally dispute the reporting of inaccurate late payments on my credit report for the XXXXXXXX XXXX XXXXXXXX account. Despite submitting multiple requests for correction through letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the discrepancies remain unresolved. This lack of resolution directly violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness and financial stability. 
FCRA Violations : 15 U.S.C. 1681i : Credit reporting agencies are obligated to ensure that consumer files are accurate and up-to-date. The reported late payment entries for XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) have not been verified or corrected, despite clear evidence submitted in my previous disputes. 
15 U.S.C. 1681b : Mandates the accurate use and reporting of consumer information. The erroneous late payment reporting demonstrates a failure to comply with this requirement.

TILA Violations : 15 U.S.C. 1666b : Requires creditors to provide periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests non-compliance with this statutory obligation.

Consequences of Inaccurate Reporting : These reporting errors have adversely affected my credit score and financial reputation, impacting my ability to secure credit on favorable terms. Additionally, the persistence of these inaccuracies despite multiple correction requests has caused significant stress and financial hardship. 
Actions Requested : I request that your office : Immediately remove the inaccurate late payment notations from my credit reports with XXXX, XXXX, and TransUnion. 
Provide written confirmation of the corrections within 30 days from the date of this letter. 
Ensure all future reporting related to this account is accurate and complies with federal laws. 
Next Steps if Unresolved : If this matter is not resolved promptly, I am prepared to take further action, including : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and relevant state agencies. 
Consulting legal counsel to address the violations of federal laws and the resulting damages. 
Publicly sharing my experience to raise awareness about the lack of accountability in credit reporting practices. 
I trust that you will treat this matter with the urgency and diligence it deserves to ensure compliance with federal regulations and to rectify the harm caused. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of a data breach and victim of fraud and victim of identity death. The accounts listed below were never open using my consent or permissible purpose or authority. They were open using my personal private information without permissible purpose the following companies never investigated or made contact with me to validate the accuracy of these accounts Experian, XXXX, and XXXX XXXX along with the creditors are in violation of FCRA federal law, as I was never contacted to validate the accounts mentioned. And you may be held liable pursuant to federal law title 15 USC 1681o and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law
Product: Checking or savings account

I opened a Citibank checking and savings account package under a promotion to earn a {$400.00} bonus for depositing {$15000.00} and leaving it on deposit for 60 days. 

On XX/XX/18, I deposited {$15000.00} per the requirements. On XX/XX/18, I did an online chat to check status and was told the promotional code is not attached to my account even though I clicked through the offer on their site ( I've heard that this has happened to a lot of other people. ) The rep confirmed that I met the requirements but I had to call the XXXX XXXX XXXX XXXX about the promo code error. That rep ( XXXX ) put in a request to apply the promotion to my account and said to call back on XXXX if the bonus hadn't posted yet. 

On XX/XX/18, I did an online chat with XXXX to check bonus status again. The rep again confirmed that I met requirements but said I'd have to call the XXXX XXXX XXXX XXXX again about the bonus. That rep ( XXXX ) said it looks like there was a promotional dispute opened on my account back in XXXX but it was cancelled ( not closed per their process ) with insufficient notes about why. She also said there was a note that I didn't meet the requirements. I've been told twice that I met the requirements by other reps and there was no communication from Citibank to me that the dispute was cancelled. I've had funds on deposit with Citibank since opening the account in XXXX with the expectation that I would receive the {$400.00} bonus that was originally promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested transunion and XXXX to look into the XXXX funding collection on my report. XXXX deleted both of these accounts due to being unable to verify but these two are refusing to properly verify. I had all three times requested VALIDATION of these accounts. By law I am entitled to see how they validated these accounts as well as to have fair and accurate data reported. To date both companies respond verified which does not show how they validated. I want to see a contract with my signature on XXXX letterhead showing I owe them. On top of this both companies report different information on the account XXXX vs XXXX. My second XXXX account of XXXX shows individual owes but yet if they would of validated as I requested they can see it was NOT my debt ever! 

I am including a copy of last correspondence to show proof of inaccurate information being reported. 

XXXX already deleted BOTH accounts due to no validation. Follow suit.
Product: Credit card or prepaid card

Payments recieved by Citibank on XX/XX/2018 and proof was provided to Citibank per their request the card was paid {$150.00} on the above date They have failed to resolve this as promised removed temporarily payment For this and are charging late fees and interest like a domino effect We have closed the account and Filed a dispute with the bank that provided the payment to Citibank. This is Pending
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries on my credit report that I do not recognize. Here are a list of them and their dates. 
Reporting on Experian Credit file. 
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 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 XXXXXXXX some accounts are on my credit file more than once some are on there 3 times.