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

I sent a letter off on XX/XX/2022. I told the credit bureau to " investigate every piece of information '' on the account I have listed below. Also, I have attached the letter I sent out and here is the tracking number # XXXX. 

Account # XXXX has violated my rights According to Section XXXX ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Also 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 1681 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, The credit report showed a credit inquiry bu your company that i do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless i have authorized it. Please have this inquiry removed from my credit file immediately because it is making very difficult for me to acquire credit. 

I have sent this letter certified mail because i need your prompt response to this issue. Please be so kind as to forward me documentation that you've had the unauthorized inquiry removed. 


If you find that i am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that i am reserving the right to take civil action if necessary. 


Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Willfully FCRA Violations by XXXX, Equifax and XXXX for Facially False Data and Lack of Controls This complaint is based on recently discovered correspondence of XX/XX/XXXX to me from XXXX XXXX  Senior Vice President, XXXX XXXX, and credit reports of XX/XX/XXXX and prior from XXXX, XXXX and Equifax, which document that XXXX XXXX SrVP wants my account marked CLOSED since XX/XX/XXXX but my account has been inconsistently and impossibly changed to OPEN after XX/XX/XXXX despite monthly reporting as CLOSED from XX/XX/XXXX to XX/XX/XXXX. This Complaint must be referred to XXXX XXXX  SrVP XXXX XXXX who is the person with the most knowledge of the facts to demand and insist that every CRA report my XXXX  account as CLOSED and never again report it as OPEN. I attach extensive additional facts and documentation which is realleged by reference as if specially set forth at length herein.
Product: Credit reporting or other personal consumer reports

Formal Complaint Against TransUnion, XXXX, and XXXX for Negligence and Non-compliance with Consumer Protection Laws To Whom It May Concern, I am writing to formally complain against the three major credit reporting agencies : TransUnion, XXXX, and XXXX, concerning their continuous failure to rectify fraudulent information on my credit reports stemming from identity theft. This ongoing issue has severely impacted my life and financial standing, and I feel compelled to seek intervention from your esteemed agency. 

Despite multiple attempts to resolve this issue, including providing necessary documentation and following the stipulated procedures, the aforementioned credit bureaus have not only failed to correct the inaccuracies but also have not provided any substantive feedback or documentation from the data furnishers who allegedly supplied this erroneous information. The lack of transparency and cooperation from these bureaus has left me in a precarious financial position, unable to move forward in various aspects of my life, such as securing loans and accessing favorable credit terms. 

It has been over a year since I first reported this issue, and the last communication regarding this matter has exceeded the 60-day resolution period as mandated by federal law, specifically under the Fair Credit Reporting Act ( FCRA ). Under the FCRA, these agencies are required to conduct a " reasonable '' investigation within 30 days upon receiving a notice of dispute from a consumer and to correct or delete any inaccurate, incomplete, or unverifiable information. Their failure to comply demonstrates not only negligence but also an unethical disregard for consumer rights and protections. 

Furthermore, the lack of compliance by TransUnion, XXXX, and XXXX with these legal requirements has caused significant emotional and financial distress. This negligence contravenes the Consumer Financial Protection Bureaus mandate to ensure fair, transparent, and respectful treatment of consumers by financial entities. 

I am urging the Consumer Financial Protection Bureau to take immediate action against these agencies to enforce compliance with the FCRA. Additionally, I request a thorough investigation into their processes and a mandate for corrective action to amend my credit files and remove all fraudulent entries without further delay. 

Attached are copies of all previous correspondences with the credit bureaus, as well as a timeline of the events and attempts made to rectify my credit report. 

I appreciate your attention to this critical matter and look forward to your prompt response and resolution. 

Thank you for upholding the rights of consumers like myself. 

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

XX/XX/XXXX Both XXXX and Experian are extremely inefficient and user-UNFRIENDLY. If the user sets up an account with these credit reporting companies, they will not allow the customer to log in with password and user name set up previously. Then they require long hold times to speak with a customer representative. And before speaking with a representative the customer is REQUIRED to answer a plethora of time-consuming security questions going back DECADES which can not be bypassed and is still refused automated service!!! Finally the customer is THEN put on hold interminably for a live representative.

WHO HAS TIME FOR THIS?????

Because these credit reporting agencies are now central to the employment, housing and financial lives of ALL AMERICANS, they should be far, far more efficient and customer-friendly. 

XXXX is extremely efficient and always has been efficient and helpful, even before the internet. I was victim of ID fraud in XXXX and it was XXXX who helped me resolve the problem, which took XXXX years ( while I was working XXXX jobs and taking care of my father ) to resolve. 

XXXX and Experian need to be fired or completely restructured so that they can fulfill their duty EFFICIENTLY FOR THE CUSTOMER. 

How working people in this country can apply for a simple loan mystifies me. It took me XXXX DAYS to temporarily lift freezes with these credit bureaus for a tiny little {$2500.00} loan for flooring replacement. Can not IMAGINE what dealing with these companies for a home or auto loan ( or medical loan -- only in the backwards XXXX ) would entail. 

And I am retired. Do working people have to take sick leave ( if they have it ) or vacation time ( if they have it ) to get information from these incompetent credit bureaus? 

Both XXXX and Experian customer service currently is unacceptable and should be shut down. They should be REQUIRED to restructure their customer service so that it is far more efficient and transparent and stress-free so that they can serve their customers seamlessly.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit report agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX, a personal loan at XXXX XXXX XXXX XXXX on XX/XX/XXXX, and a utility cable account with XXXX XXXX on XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections an hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ) my information has been stolen and is being used to open lines of credit, cash checks, open banking accounts and it is affecting my livelihood agreesively. I have not opened any lines of credit with XXXX  XXXX, XXXX  XXXX, XXXX, XXXX XXXX, or XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block inc ) due to inadequate customer service and unfair practices, which violates 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 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 Act ( EFTA ) and regulation 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

I checked my credit report and this auto loan is on there, which I have no knowledge of.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

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: Checking or savings account

On XX/XX/XXXX of XXXX  I went to a US BANK branch to open a brand new checking account. As it's very usual between banks, I found out on their website that there was a first account bonus of {$500.00} that was being offered from US BANK at that time so when I was opening the account at the branch, I told the US BANK branch manager that I would like that bonus applied to my account, so he looked up on his US BANK system and made sure the bonus would get applied, no problems at all. After meeting the requirements to receive the bonus, which at that time was receiving {$6000.00} or more from direct deposits, I called US BANK customer service wondering when I was going to receive the bonus, and that's when things started to get bad. The customer support representative told me that the bonus code applied to my account was from an older promotion that was already expired and that I should contact the branch that opened the account for me, and that's what I did. When contacting the branch, I explained to them the situation and showed them that the bonus code that was applied to my account was already expired at that time ( XX/XX/XXXX ) and that the correct one was another code ( the XXXX available from their website at that time ). This was basically a mistake from the US BANK manager when opening my account. The response I got from them was that they had contacted the department responsible for promotions and basically the promotion that I had found on the US BANK website, open for everyone to see, was a promotion made for specific people only and that if I don't provide proof that I was meant to receive the promotion, I wouldn't be getting the bonus. 

After getting that response I could not feel more deceived. First, I found the bonus on their website open for everyone to see. Second, the manager does not tell me anything about it and says that the bonus would be applied. Third, out of nothing they tell me I wasn't meant to be receiving this bonus. The funniest part is that I told XXXX friends about the US BANK first account bonus and all of them went on XXXX to open their account and guess what? ALL OF THEM received a first account bonus on their account. I don't know what is up with US BANK first account bonus, sometimes they decide it's for everyone and sometimes they decide that it's just for a specific group of people. 

I can't express how disappointed I am, if someone had explicitly told me that bonus wasn't meant for me, I would just have gone to another bank. I was a victim of a false advertising. I was misled into believing that I would get a bonus from opening an account.
Product: Credit card or prepaid card

As I was driving to work i received a text verification as well as an email saying that a Target credit card account had just been opened in my name. I contacted target card services and the conformed that the account was just opened and the card was being sent to my old address from a few years ago. XXXX XXXX XXXX XXXX XXXX XXXX. I haven't lived at that address in years. Target also said that instead of my driver 's license number that they pluggged in my social. They said that since the application and approval was caught so soon that they were able to cancel the card. I have since frozen my XXXX XXXX XXXX XXXX
Product: Credit reporting

I HAVE NOT RECEIVED POST INVESTIGATION CREDIT REPORT IN PAPER FORMAT AS OF THIS DAY FROM EQUIFAX
Product: Checking or savings account

Unable to XXXX individual so I lost my place to live. Another my deposit for services didnt work. XXXX my sub contractor the payment didnt go through.
Product: Checking or savings account

I dont have the dates. I read the article online about Wells Fargo and the lawsuit charging for over draft fees. It said if you didnt hear from them to call. I did call them this evening and I was told they know nothing about it.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo insists on reporting a fraudulent account on my credit report. I wrote the several letters in the past notifying them I never lived in the state of Georgia and I did not open this account they sent me a letter requesting a police report but XXXX Police Department advised me to acquire more information from Wells Fargo that they refuse to send. Afterwards they sent me a letter stating that found no evidence of fraud and re-inserted the account back on to my credit report which I don't understand because I have never lived in Georgia. I am extremely frustrated by the process I have had to go through to remove this fraudulent account from my credit report and I feel like someone has purchased my information because there is one additional fraudulent account reporting which is an account with XXXX XXXX also from the state of Georgia.Credit card companies allow just about anyone to apply without a through verification of their identity. 
They state they determined the account belongs to me but sent me no information in regards to how they went about " verifying '' this is pure financial XXXX  Please see the attached letters I have sent to Well Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I subscribe to Transunion for daily score updates and credit protection. On XX/XX/XXXX, I checked my credit score with TransUnion and it was XXXX. That evening, I received an email saying there was a change on my credit report and that I should log into my account to see why. On XX/XX/XXXX I logged into my account and noticed that my credit score went down 35 points to XXXX. There was no change in my credit report from XX/XX/XXXX, though, as the email stated. I called Transunion customer service several times and no one could explain why. I was put in touch with a supervisor and she could not explain the change either. In broken English, she said it was " due to the factors ''. When I told her that the factors did not change from yesterday she said they did. She stated that I had a delinquent account. I asked her which one and she refused to tell me. She directed me to the online group and they looked at my report and found no delinquencies. I downloaded another credit report from XXXX and XXXX. There were no delinquencies. Everyone I spoke with at Transunion could not explain why my score went down.
Product: Debt collection

On or around XX/XX/2021, I disputed an account with the credit bureau about Direct Management. The account I disputed was about an overdraft that happened at XXXX XXXX. I have disputed this account 2 or 3 times and every time, they say its verified. I told them that I wasn't aware of the overdraft that took place, but they refuse to do a full investigation for identity theft. The only thing they send is where I had opened a bank account up, but do not investigate the disputed account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Transunion inquiries issue and their customer service wont want to help me to remove them. 

1- XXXX XXXX - inquiry from XX/XX/XXXX 2- XXXX/XXXX - inquiry from XX/XX/XXXX 3- XXXX/XXXX - inquary from XX/XX/XXXX 4- XXXX/XXXX - inquiry from XX/XX/XXXX 5- XXXX/XXXX - inquiry from XX/XX/XXXX 6- XXXX/XXXX - inquiry from XX/XX/XXXX 7XXXX XXXX - inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit card

I have filed several complaints about AmericanExpress, all dealing with the same issue, cyber fraud on our account. American Expresspaid an unauthorized charge made to our accountand seeks to collect on that, plus there are {$1700.00} in hidden charges American Expressrefuses to explain or justify. Now It took me XXXX just to make a payment on the accountof the charges we actually made, and I was sent toAMEX collections, because they automaticallytake disputes out of the dispute process every sixtydays. They do not want you to pay your bill in full, and they do not want you to collect your earnedrewards. I ca n't even get a copy of the most recentarbitration clause, and I have asked for that as well. 
Please read the attached XXXX letters and pleasereview this file and do something. I can not believewe are the only ones to whom this is happening. 
It feels almost like a predatory company to me atthis point, because all we want to do is pay what weowe and no more, and we are being 'stuck up ' andthey are trying to force us to pay for charges thatare either cyber fraud ( which we proved ) or acharge we never authorized that they decided topay without our permission, and ( in fact ) inwhich we stated in no uncertain terms wewould not pay because the charge ( s ) were notauthorized. They need to come up with proofof what we owe them. We have given them ourproof that we do not owe them. Where is the clout behind the law? I have been trying to get thissolved since XX/XX/XXXX 2013. Come on! Show methe proof! We do pay what we owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and im submitting this complaint myself and there is no third party involved. 

I XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan had my federal rights violated on XX/XX/2021 I noticed an error on my credit report from AD ASTRA RECOVERY SERVICES . INC violated 15 USC 1681 ( c ) and 15 USC 1611 ( 1 ). AD ASTRA RECOVERY SERVICES. INC. adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1681 ( c ) are up to {$1000.00} and 15 USC 1611 ( 1 ) are up to {$5000.00}. AD ASTRA RECOVERY SERVICES. INC is now civilly liable to pay me for the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XXXX, XXXX  and TransUnion to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. 
Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,
Product: Credit card

tried to activate renewal by phone with number on card. all i got was a bunch of personal questions and then offering a cruise plus fee. could not get through to activate card. finally called tel. no. on my bill and it was resolved..