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

US1681 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( 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 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 such notices, that specific information is inaccurate ; and USC 1681 ( li ) the information is, in fact, inaccurate.

( A ) In general If, after any reinvestigation 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, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Below are the listed accounts that are not accurate and needs to be removed immediately per law : 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: Checking or savings account

XX/XX/23 Open checking account on line with Trusit. Deposited {$50.00}. Set up my direct deposit with OPM.

In the days following I Received a few emails welcome me to Trusit. 
Received a debit card. 
Received a statement from Trusit dated XX/XX/23 showing my {$50.00} deposit. 
XX/XX/23 Try to get on line to my account. 
I contacted customer service- I was told my account was closed. I asked for a reason- no one would give me one. 
My pension was to be deposited into the account on XX/XX/23. 
On XX/XX/23 went to Trusit branch - manager said nothing she could do. I cant open account with them. Again no reason was given. 
Its XX/XX/23 I still havent received my pension. 
The bank has caused me much anguish and distress. My mortgage is due and I dont have the money to pay. 
Please help me.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, FL XXXX Date : XX/XX/XXXXXXXX XXXX NAME : Transunion Consumer Solutions Address : XXXX XXXX XXXX XXXX PA XXXX RE : Letter to Remove Inaccurate Credit Information To Whom it may concern I received a copy of my Credit Report and found the following items, to be in error : ( dispute item and explanation ) 1.- following personal information is inaccurate ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Please ( remove / update ) this account from my credit report Please ( remove / update ) this account from my credit report By the provision s of the Fair Credit Reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cant verify. I understand that under 15 U.S.C. Sec 1681i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. Please send and update copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notice of corrections to anyone who received my credit report in the past six months. Thank You for your time and help in this matter, Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts from my credit report. I am a victim of a data breach, and the accounts listed below were fraudulently established in my name without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these fraudulent accounts. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX. XXXX XXXX XX/XX/XXXX {$820.00} XXXX. XXXX XXXX XX/XX/XXXX {$10000.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$1000.00}
Product: Checking or savings account

I have had checking and savings accounts with Bank of America for decades. About three months ago, I was persuaded by an account officer at BofA that by transferring $ XXXX to a savings account with Merrill Lynch I would get better service and a better interest rate. Last month, I transferred an additional $ XXXX from BofA to my Merrill Lynch account, bringing the balance to {>= $1,000,000}. Yesterday, I learned that these funds are not FDIC insured, and I requested the immediate return of those funds to my BofA account ( i.e., the account ( s ) from which those funds originated ). Merrill Lynch now refuses to wire back those funds unless I sign a servicing agreement that contains terms that are not acceptable to me. Merrill says their agreement is not negotiable. Their position seems to be that without the account agreement they can not conduct activity. If so, they never should have accepted the funds in the first place, and should not have subsequently accepted additional funds.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block , inc ) due to unfair customer service and unfair practices which violate the CFPA. Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account unprotected and vulnerable. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer and Regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the serious infractions committed by FactorTrust , Inc regarding the accuracy and privacy of consumer information, as mandated by the Fair Credit Reporting Act ( FCRA ). This issue needs immediate attention and resolution to prevent further harm to consumers. 

Based on the information provided, it is evident that FactorTrust, Inc is not reporting accurate information, a violation of [ 15 USC 1681e ] ( b ). This statute requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information pertaining to individuals in the reports they prepare. 

Furthermore, FactorTrust , Inc is in direct violation of [ 15 USC 1681b ] ( a ) ( 2 ) of the FCRA, which permits consumer reporting agencies to furnish consumer reports only in accordance with written instructions from the consumer whose information is being reported. I would like to emphasize that I have not granted authorization to anyone to access my private and confidential records, including the information that your agency is currently reporting. 

These transgressions directly infringe upon my rights as a consumer, particularly my right to privacy, as outlined in [ 15 USC 1681 ] ( a ) ( 4 ). It is crucial to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. 

To rectify the aforementioned violations, I humbly request that you take immediate action to delete the erroneous items specified in the attachment from my consumer file within your agency. Failure to comply with this request will leave me with no option but to pursue appropriate legal action. 

I want to draw your attention to the seriousness of these violations. Identity theft is a grave offense, and these actions can be classified as aggravated identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). Knowingly transferring, possessing, and utilizing someone's means of identification without lawful authority is a felony punishable by up to two years of imprisonment, in addition to civil liability.
Product: Credit card or prepaid card

On XX/XX/2021, I chatting with American Express, chat ID XXXX to close my XXXX XXXX XXXX card ending in XXXX. I confirmed with XXXX, the representative, many times that I was canceling this card and I agreed to the disclosure he sent which clearly stated XXXX XXXX XXXX card ending in XXXX. Minutes later, I received a cancellation email and to my surprise, XXXX canceled the wrong card. He canceled my XXXXXXXX XXXX card ending in XXXX which I opened 2 months ago. I chated again, Chat ID XXXX, this time with XXXX, he submitted a request to re-open my XXXX XXXX Card.
Product: Credit reporting

On XXXX XXXX 2016 I checked my credit on credit karma and had a total of XXXX hard inquires removed from my report. I checked my account on XXXX XXXX 2016 and all XXXX hard inquires inquires were placed back onto my account without sending me a reinsertion letter as required by FCRA section 611. I have been calling Transunion ever since and received no help. No one will transfer me, no one will connect me to an American representative, or the fraud department. Multiple agents have been belligerent, some have told me that they know what happen but it 's basically too bad and I should simply file a complaint because they will not fix it.
Product: Credit reporting or other personal consumer reports

RC Willey is reporting information that is not mine. They have incorrectly reported to credit bureaus and also sent it collections. XXXX XXXX XXXX which now is a double report against me. This needs to be removed from my credit report as it not correct. 

The purpose of this letter is to dispute the Collection Account that was placed on my account that states it was opened on XX/XX/year>. This charge of {$5200.00} from RC Willey. 
I have advised that this has been a case of Identity theft yet it has been reported against my credit report to XXXX XXXX, XXXX and XXXX. 
The charge has no proof or foundation and I have advised that the charge is not valid yet your company has placed the charge against me with clear notification that this is not mine. 
I am seeking that this be immediately removed as it has been clearly provided as fraud. In addition, due to this being the second or third notice I am hereby notifying the CFPB as it is a violation of the fair credit and reporting act which is being violated by your company. 
If this is not removed immediately as there is no supporting documentation to support this bill I will have no choice but to take this matter to court and request that I be paid for damages that your company has imposed to me for falsely reporting this information on my credit file. 
Due to this being fraud I have attached the FTC report and also the letter to collection which is a double negative against me.
Product: Student loan

I contacted my Navient about their temporary interest reduction plan. The representative took my information and told me I was approved for a rate reduction from 11 % and 13 % to 5 % and would need to make XXXX lower qualifying payments before being enrolled in the program for 12 additional months at the lower payment amount. After I made the XXXX qualifying payment, I received a notice saying I had an outstanding balance for the difference between my old payment and the reduced payment amount, which was all interest. At that time, I contacted the same representative and she told me not to worry, that once the XXXX qualifying payments were made my account would be placed in forbearance during the qualifying payment period and that late fees would be taken out and the outstanding interest would not be capitalized because the lower interest rate would be applied retroactively through the qualifying period. I contacted Navient again after the XXXX qualifying payments were made to inquire about the late fees and outstanding amount showing up on my account and I was then told that I had actually not been approved for the reduced interest program. I asked why I had not been contacted and was told that they did n't know and that I should have been told I was not approved the program. After some back and forth and requesting to speak to the previous representative and to a supervisor, I was told I would be approved for the program as a courtesy and that the late fees would be take out because I had not been previously informed that I was not approved for the program. But now I would have to make XXXX new qualifying payments and the outstanding interest would still be capitalized for the previous XXXX qualifying payments and for the new XXXX qualifying payments. As such I will now be responsible for the difference between my old interest and reduced interest for 6 months or the amount will be capitalized. Had I known this I would have made the higher payments during the 3 months I was told I was making qualifying payments.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I received a credit card in the mail from USBank. It says it's a debit card. I called and continue to get a busy signal. I searched and found that many people receive this card instead of a hard paycheck from a job. I just started a new job and thought it might be from them so after being unable to reach the company by phone, I created a username and password online and opened a new profile on their website. I had to complete the profile to see that there is no money on the card and that they just want me to use this card as a debit card which I do not need or want. I searched the website and called to have them close the account and can't get any answer on the phone and there is no link on the website to close.
Product: Credit reporting or other personal consumer reports

An item that was the result of fraud, which I never gained anything from, is still showing up on my report. Despite this, you continue to include this inaccurate and fraudulent information on my credit. It's deeply upsetting and feels like a direct attack on my character. I'm stressed knowing my consumer rights are being ignored. I've already reported this to the Federal Trade Commission, but nothing has been done to remove it.
Product: Debt collection

Issued a wage garnishment on a debt that is over 6 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING XXXX XXXX DATE OPENED : XX/XX/2018 account on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so upset about this situation. Ive submitted this complaint 3rd times & CFPB & EXPERIAN XXXX claiming its being submitted by someone other than me or that there is no file on records. Seems like a lot of passing the buck or not accountability. Whatever the reason. Im beyond annoyed. These inquiries are not mine. This matter has been creating an insane amount of emotional & physical distress. My attorney told me I should just sue for violations in FCRA laws. Id prefer to not get litigious. Please see this matter is handled. 
XXXX XXXXXXXX XXXX XXXXnquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint today to inform you that I have been a victim of identity theft. After researching how to remove the fraudulent items from my report, I found that I need to visit the Federal Trade Commission ( FTC ) at XXXX : XXXX to file a report. According to FCRA Section 605B, credit reporting agencies are required to remove any items listed in an identity theft report. Please find the attached documents to assist in the removing of the erroneous information currently on my report : XXXX XXXX XXXX XXXX XXXX ) {$260.00} Original Creditor- XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened an account with CITI in late XXXX to use as debt consolidation because of a XXXX no interest promo. I balance transferred a card into the CITI card and made a few purchases early XXXX, set up auto pay, and left it. I was severely injured and spent the better part of the last few years in and out of the hospital and recovering from surgeries. In XXXX I noticed I had a cash advance interest fee on my account, I contacted and tried to resolve, got nowhere. They passed me around to different people, nobody could tell me what it was from, they just said they will send me my statements ( there was nothing on my digital statements ). I was moving and having major XXXX again, so I left it on the back burner. I am now trying to piece my life back together and get out of debt, and once again they can not tell me what the 30 % fee is from, they insist I used an atm to take money out. I am 10000 % sure I did not and have never done so in my entire life. I requested statements again, and never received them, they are unwilling to investigate this further because it's an older charge, my payments are getting consumed by interest, so my balance isn't decreasing, and the remedy I was offered was to pay off entire balance to get the adv fee removed. I can not afford the hit on my credit, so I am being forced to pay this charge and 4 years of interest fees for a cash advance i never took out, they cant even tell me anything regarding the transaction or if it was an error. This is absolutely ludicrous, and I will never in my entire life deal with CITI again.
Product: Debt collection

Per new laws Medical debt can not be added to credit reports. With all three credit bureaus I submitted to have this removed and was denied immediately. I also called the collection agency First Federal Credit Control and asked to have this removed and their customer service rep said she was unaware of any law about adding medical debts to credit reports which has to be categorically false. I would like these collections removed from my credit report and hopefully these companies will not continue to try and do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a co-signer of this student loan I was unaware of the delinquent payments. This caused my credit score to decrease. When I became aware of the delinquent payments, I paid the outstanding balance and have continued to pay the monthly payment on time. My credit score has not reflected my efforts.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went to try and process my payroll on Square 's platform and it said that it could not process my payroll. My account looked lower than usual ( $ XXXX ) so I transferred funds from their Square Savings. It showed as a {$4500.00} transfer out of my savings and a {$4500.00} transfer into my account- but my account balance showed as {$0.00}. The {$1700.00} on the account and the {$4500.00} disappeared!

I contacted them via phone and they said they'd look into it and get back to me. They did not call me back. I called the XXXX and I was promised an email. I called a second time and they said they expedited the process. 

On the XXXX, since they have no phone support over the weekend, I tweeted their platform. They got back to me over XXXX within an hour and said they escalated the issue but could not give me an answer as to when it would be resolved. My balance is still {$0.00} even though we had made over {$1500.00} in sales that day. 

We have made over {$2500.00} in sales since the XXXX and it's still showing as a {$0.00} balance. They are still pulling from my sales to pay for my Square Capital Loan, even though I don't have access to any of those funds ( which tells me on their end their system is able to compute the amount of money made, as loan payments are an automatic withdrawal prior to depositing into my account. ) On XXXX I found other customers who have had the same issue this week. I rallied with them, fustrated at this issue and @ Square blocked my account on XXXX! 

They refuse to be transparent about their platform issues and refuse to make an announcement and my balance is still {$0.00}. I have an equipment loan to payoff! I have employees to pay. 

I strongly advise from using Square or promoting Square.
Product: Credit reporting or other personal consumer reports

Theres a. New account with XXXX XXXX which isnt mine. This is apart of an identity theft, however I do have a self account but any new services with them isnt me and should not be reporting on my credit report this has ruined my credit profile from good to fair. I havent added any new services with self financial however I tired calling due to this to be informed about these alleged new services Ive added as new line of credit to my report. Equifax, and XXXX is at fault as well because I do have fraud alerts, and freeze on my reports these shouldnt have been allowed until further investigation by myself. According to the FCRA accounts which are reporting inaccurately should be disputed and removed immediately within 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian multiple times dating back to XX/XX/2022 about the identity theft on my credit report
Product: Credit reporting or other personal consumer reports

This is my new complaint that I am a victim of identity theft and I submit to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on these items are REMOVED from other bureaus and I have doubts in their accuracy and the reported payment history on these items are a mystery to me. Here is the list of items that I specified for REMOVAL : Experian : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$3600.00} ; XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3600.00} ; XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX