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

Request for Investigation of Unauthorized Inquiries. 

I checked my credit report and I noticed there were inquiries that I did not recognize from : 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 XXXXXX/XX/XXXX I contacted the companies here that placed inquiries on my report and asked them to remove their credit inquiry from my credit profile. I also asked them to to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate and investigation into this inquiries on my credit report to determine who authorized them. Once your investigation is complete you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy o fly credit report at my address. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thanks for your help and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm victim of identity Theft, I have filed report with FTC as well as a Police Report in my community, I have sent to Equifax disputing letters like 4 times, they still denied removing one of accounts that been opened by fraud. ONLY EQUIFAX has reported this account and keep saying to me like this account has been verified. HOW?? If two other Credit Bureaus removed this account and Equifax has been verified. From my last letter that I mailed to them in XX/XX/XXXX they didn't even responded. All my mails been sent with certified mail and return receipt. I can have all proof of violation my rights. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate.

Therefore, my position is being clearly stated, this account do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that this in inaccurate account information means that you, this credit-reporting agency, are reporting incorrect account.

I'm willing to explode all my rights and send all information to Attorney General.
Product: Credit reporting or other personal consumer reports

I am writing to provide an update and request further action on the complaint I filed against TransUnion on XX/XX/2024 under Complaint Number XXXX. 

Despite filing disputes and providing all necessary documentation, TransUnion has failed to correct inaccurate late payments on my credit report. Their investigation, completed on XX/XX/2024, did not resolve the issue, and they have failed to comply with several provisions of the Fair Credit Reporting Act ( FCRA ). 

Summary of Violations Violation of 15 USC 1681s-2 ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) : The creditor has failed to accurately report the late payments. 
Violation of 15 USC 1681i ( a ) ( 1 ) & ( 6 ) ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) : TransUnion did not conduct a proper investigation or provide sufficient results. 
Violation of 15 USC 1681i ( a ) ( 5 ) ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) : TransUnion failed to correct or delete inaccurate information after being notified of its inaccuracy. 
Given the ongoing violations and TransUnions failure to comply with FCRA, I request that the CFPB take further action to ensure TransUnion corrects the inaccuracies on my credit report. I have enclosed all relevant documentation, including TransUnions latest response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our mortgage for XXXX XXXX is not being reported on our credit report and is adversely affecting our credit scores and causing us to receive higher interest rates on credit cards and car loans. We have previously reported the issue with CFPB complaint number XXXX and this problem needs to be fixed. According to XXXX XXXX customer service they are reporting to the following credit reporting agencies : XXXX, XXXX, XXXX and Trans Union but our mortgage is not on the credit report.
Product: Debt collection

I started receiving letters and text messages from a debt collection company about an outstanding balance in my name. I mailed a letter back to the company requesting written proof of the debt. All attempts made by myself to answer/return the calls ended in more confusion. 

I have still not received any follow up information or confirmation of proof of debt. 

I have not given consent to this company to use, share, collect, store, report, or sell my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitting this CFPB complaint will be my 12th CFPB Complaint to be submitted requesting the exact same request over and over again for the last 6 months! When will the Credit Bureaus be able to remove the disputed accounts and information completely from my Credit report? Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information completely from my Credit File! However, despite the countless CFPB complaints and Dispute letters that I have been submitting, the Credit Reporting Agencies have not complied with the implied Federal statute and decided to ignore my requests. Since the Credit Bureaus have been claiming that the disputed items belong to me, I have been requesting copies of proof of verification or proof of ownership or any documents bearing my signature to prove the Credit Bureaus claims. However, these requests have also been ignored and yet the Credit Bureaus still indicate the disputed items as verified! Which is just ridiculous! This will be may last attempt to request to the Credit Bureaus to remove the disputed items otherwise I will be filing a lawsuit. Once again, I was a victim of identity theft and the following items which I believe to be resulted due to identity theft be immediately removed from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXXBalance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

America First Credit Union is reporting a late on my credit file for the year of 2020. Due to Covid and the unforseen events surrounding the entire pandemic I suffered financially. In the beginning when it first started my job ended up cutting business hours and that ultimately affected me. The entire year was just an absolute mess regarding my finances but I did my very best to make sure I was paying my dues. I do realize that I was late but I am asking America First Credit Union to please make a one time goodwill adjustment for the 2020 late notations. It was a very difficult time and I wish it could have been avoided. This would be of great help to me as I am not getting back on my feet
Product: Credit reporting, credit repair services, or other personal consumer reports

-XXXX XXXX contacted the company advised this was a fraudulent account. 
-Filled out form disputing charge advising of identity theft. 
-Issued was resolved in XXXX -In XXXX, the debt was sold to another company that stated they did not have any records of the dispute. This appears to be illegal under U.S. Code. 
-Attempted to contact debt company to advise of this incident XXXX, and they had no record of initial dispute. 
-On XXXX, XXXX reviewed my account and realized that this debt was addressed ; however, that a new debt agency is now holding the debt. This is also illegal under U.S. Code. 
-The company in question is XXXX XXXX XXXX XXXX from NY.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1000.00} Account name XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXXXX XXXX  Reported : XXXX XXXX, XXXX {$12000.00} Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$4900.00}, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

Upstart Network Inc.

Re : Fraudulent Account - Account Number XXXX To Whom It May Concern : I am writing to dispute the Upstart account listed on my credit report ( account number XXXX ) as fraudulent. I have no knowledge of this account and believe it was opened fraudulently without my authorization.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate information on my credit report. The presence of this fraudulent account is causing harm to my credit standing and financial well-being.

Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX prohibits deceptive acts or practices in the conduct of any business, trade, or commerce. The reporting of this fraudulent account to credit bureaus constitutes a deceptive practice that is harming me.

I demand that you immediately investigate this matter and take the following actions : Remove the fraudulent account from my credit report.

Cease all further reporting of this account to credit bureaus.

Provide me with a written confirmation that these actions have been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were serviced by fed loans servicing ( total 13 accounts ) instead of one account. These 13 accounts are being rehabilitated by US Dept. of Education. Therefore, all accounts now has been transferred under Dept. of Education. However, on my credit report the same loans are being reported as collections and 120 days late with XXXX balance by Fed loan Servicing and repeated by US Dept. of Education. totaling 24 negative items. I have tried disputing this error several times and investigation from the credit reporting agency has not been addressed. The investigation returned as complete with a few changed dates. I am still being double dinged for the same 12 items.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Transfer Funds Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Payday loan

Could n't verify my address supposedly after fasley advertising credit for all. The companies that provided the information are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX. The company that offered the loan was Flourish Inc. DBA Lendup XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX.
Product: Checking or savings account

I joined M & T Bank on XX/XX/XXXX with a check that I received from the State of Connecticut 's Department XXXX XXXX XXXX in the amount of {$42000.00}. My account was opened and the check was cleared on XX/XX/year>. I started making some large purchases, because we have a family reunion coming up at the end of this year, and that required airline tickets, football tickets concert tickets and some other smaller purchases. I noticed that I was being declined for a few purchases, but I would call the Consumer Banking number on the back of my card, who would also forward me over to your Fraud Department to verify purchases. For each of my purchases, I confirmed that they were actually made by me and no fraud was committed. 

XX/XX/XXXX, I received a call from XXXX, NY, saying that I have been spending " a lot of money '' and that my account was marked as fraudulent. After verifying my information, the caller seemed satisfied and all was well. Later on that day, I was unable to access my account and I stopped into my local XXXX, CT XXXX. I was told my by local teller that my account is blocked pending an investigation. Clearly I was suprised! It was a legitimate check that was obviously cashed and the funds were received by M & T Bank, however I was not able to access my money. As of today, I have {$23000.00} in my account that I can not access. 

I have called by local banker every day, who has been very cooperative and empathetic. He told me that my account is still under investigation, and that I will need to wait for a resolution of this process. I also filled out a satisfaction survey and received another call from the XXXX, NY area ( XXXX ) from someone named XXXX, who told me that I needed to wait while the financial crimes division investigated my account. 

As you can guess, I am not happy. Today is XX/XX/XXXX, and my account is still " blocked '' with no access to it. I called the Department of Revenue Servicess today on XX/XX/XXXX, and they investigated the information that I gave them. They called me back this afternoon and tol me that their Revenue Accounting Department did receive an inquiry from M & T Bank asking about the legitimacy of my check. the Department of Revenue Services said that they validated the check on XX/XX/XXXX. 

Again. Today is XX/XX/XXXX. I am traveling on XX/XX/XXXX to go see my parents in XXXX. I need this resolved ASAP. I understand that M & T may not have customers that deposit large amounts and spend large amounts on a frequent basis ; however, clearly there is a gap in your fraud/ finacial crimes auditing that may need to be revamped. I'm not a criminal. I want access to my money, and I would like for M & T to please understand that the Department of Revenue Services has already validated my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX was current before I was in XXXX. However, when I was in XXXX my XXXX XXXX case was closed. I was not receiving income. How I am ordered to pay XXXX XXXX why I am in XXXX? Missouri XXXX XXXX XXXX was fully aware of this. I was not responsible for paying XXXX XXXX why I was in XXXX
Product: Credit card or prepaid card

My account was closed without my knowledge. I wasnt notified by Netspend I only became aware bc I contacted them to find out why I was locked out of my account. I was told my account was closed due to suspicious activity. This is ridiculous based on my activity. I received my unemployment direct deposit on the card, paid my bills on the card, used it to send/receive funds via XXXX, and used the mobile check deposit 3 times. My mother was added to my account a few months ago. She received a check from my XXXX for an upcoming trip for {$500.00} which I tried to deposit via the mobile check deposit then I was going to pay her credit card bill. She hasnt been going out due to Covid. The next day I received an email that they couldnt process the check which wasnt a big deal I could just bring to her bank to deposit however later that day XXXX tried to pay a bill and I was told my account was closed. Absolutely ridiculous Ive had this account for over a year I used to have direct deposit from my employer now its from unemployment. I asked to speak with a manager as I believed the account was closed in error to which I was told Id be transferred then proceeded to be left on hold for 1 hour 27 minutes then hung up. Ive sent multiple emails to find out when I would receive my check as I had approximately {$4300.00} in the account. On XX/XX/XXXX the account was closed I sent 2 emails the first was questions about why my account was closed the second regarding waiting on hold to speak with a manager/supervisor. They never addressed either concern but did respond on XX/XX/XXXX that Id receive my check in 7-10 days. I then emailed on XX/XX/XXXX, XX/XX/XXXX, and today XXXX to find out when my check was issued. I have not received a response and we are past the previously mentioned XXXX days as the account was closed on XX/XX/XXXX. My account was wrongfully closed and Ive had no access to my money. This has put me in a very bad financial situation the lack of ability to speak with someone at Netspend regarding the matter is completely unacceptable. Their lack of transparency and responsiveness is very unsettling to say the least. Withholding my funds not giving me any option to expedite this process is unethical. Ive attached a screenshot of my call to a manager that was never picked up as well as the sent emails to their customer service.
Product: Credit card or prepaid card

I have an American Express issued XXXX prepaid XXXX for three years. In XX/XX/2018, this credit card was cancelled and I suppose to receive a check of more than {$150.00} for my existing balance, which I did not. I have contact them more the 10 times using the customer service number at the back of the card ( XXXX ). 
At the early contacts, I was nicely told that the check is on the way, and just be patient to wait one or two weeks. after 3 or 4 contacts, my phone call was transferred to a so called " technique support '' department ( I am not sure whether it is real or not ). I have contacted two people in that department, one call himself XXXX and the other is XXXX who is also claim himself the manager of the " technique support '' when I wanted to speak to his manager. And again another one month wait for nothing. 
To my understanding, American Express is a big company with reputations, and that's the reason I keep contact them for several months before file the complain.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$4300.00}, {$1600.00}, {$4500.00}, {$12000.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- CLOSED ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

5. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

6. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.