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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Against TransUnion for Failing to Properly Investigate Disputed Collection Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint against TransUnion for its repeated refusal to properly investigate and remove an inaccurate collection account reported by XXXX XXXX XXXX XXXX This collection, originally placed by XXXX XXXX XXXX XXXX XXXXXXXX, does not belong to me and has been confirmed as an error by the original creditor. 

Despite providing TransUnion with evidence of this mistake and requesting a thorough investigation in accordance with the Fair Credit Reporting Act ( FCRA ), they continue to report the erroneous collection on my credit file. Under the FCRA, TransUnion is obligated to investigate disputed items on a consumers credit report. Specifically : 1. **Under FCRA Section 611 ( a ) ( 1 ) ( A ) **, credit reporting agencies ( CRAs ) must conduct a reasonable investigation when a consumer disputes the accuracy of any item in their credit file.

2. **Under FCRA Section 611 ( a ) ( 5 ) ( A ) **, if an item can not be verified, it must be deleted promptly from the consumers credit report.

TransUnion 's failure to perform its duties under these sections of the FCRA is negatively impacting my creditworthiness and financial standing.

I have made several attempts to resolve this matter directly with TransUnion, providing all relevant documentation, but they have not taken appropriate action to remove this erroneous item. I respectfully request the CFPBs intervention in ensuring that TransUnion complies with the requirements of the FCRA, conducts a proper investigation, and removes the inaccurate collection from my credit report.

I have attached a copy of the letter I mailed to TransUnion that they have not responded to.

Thank you for your attention to this important issue. I look forward to your prompt response and assistance. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Its weird someone deposited checks into my account then took all my Money out I called Wells Fargo and they where like okay give us 10 days and will return your money its been more than a week and my money hasnt arrived for nothing
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my GM FINANCIAL - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card or prepaid card

I applied for a Capital One Venture Card via capitalone.com and was approved instantly. The card was advertised as carrying an annual fee of {$95.00} but waived for the first year. I took sceenshots when I applied and even after I was charged the annual fee upon the card activation, since the annual fee disclosure was still on the application page. When I called the customer service to complain and tried to get the annual fee waived, I was told that the annual fee was " just advertisement '' and there was " no option to do anything ''. I wonder whether this is a violation of the Truth in Lending Act? How can a credit card company use unambiguous words like " {$0.00} intro for the first year, {$95.00} after that '' and then still charge full annual fee for the first year?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of IDENTITY THEFT. On XX/XX/XXXX I filed a Identity theft report regarding FRAUDULENT information on my credit report. I alerted each credit bureau by facsimile by sending a copy of the FTC identity theft report on XX/XX/XXXX. Each credit bureau immediately placed a extended fraud alert on to my credit file including EXPERIAN. XXXX  and XXXX immediately removed the fraudulent information that was listed on the Identity theft report from my credit file. Experian on the other hand still has these FRAUDULENT Credit inquiries and a FRAUDULENT address listed on my credit file. Even after I faxed the Identity theft report for a 2nd time on XX/XX/XXXX. EXPERIAN for a second time on XX/XX/XXXX. They have constantly ignored my request to have those FRAUDULENT credit inquiries and address removed from my credit file.
Product: Credit card

An account was opened in my name with Kikoff Lending fraudulently and has a balance of XXXX. I was made aware of this as of XXXX. They opened this account as of XXXX. I emailed the company and requested the account be closed and it is now under investigation with Kikoff. I also spoke to a representative from Kikoff who confirmed this matter is under investigation.
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. 

I told XXXX, XXXX, and XXXX to investigate these accounts as well as the SEVERAL hard inquires that should not have been did from XXXX XXXX on my XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX credit reports XXXX XXXX # XXXX # XXXX # XXXX on XXXX and XXXX XXXX  XXXX  # XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

It is inconceivable that, in the face of irrefutable proof of fraudulent activity, your bureau continues to deny the removal of these accounts. I find it absolutely unacceptable that I should suffer the consequences of identity theft or erroneous reporting when I have diligently followed the proper procedures to rectify this situation. I was the victim & Im not sure why the FCRA is not complying with the law. This is not how victims should be treated. I am asking for justice and yet, it seems you do not give any attention and ignored our complaint. 
XXXX XXXXPLEASE DELETE!!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand an immediate and thorough investigation into why these fraudulent accounts persist on my credit report, as well as an explanation for the repeated denials to remove them. It is your duty as a credit reporting agency to ensure the accuracy of the information you provide, and the presence of these fraudulent accounts contradicts the principles of fairness and accountability. 
I insist that you take prompt and decisive action to rectify this gross oversight. The burden of proof rests squarely on your shoulders, and I expect your agency to act in accordance with the Fair Credit Reporting Act ( FCRA ) to promptly correct this damaging error. The continued presence of these fraudulent accounts is not only damaging my credit score but also causing undue stress and hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX ( XXXX, XXXX ), # XXXX ( Equifax ) XXXX  XXXX XXXX Account # XXXX XXXX XXXX, XXXX ) XXXX # XXXX ( Equifax ) XXXX Account # XXXX ( XXXX, Equifax ) 1 ) I submitted my original dispute to Equifax on XXXX. 
2 ) I received no response at all. 
3 ) I filed a complaint with the CFPB on XXXX for Equifax violating the rules of the Fair Credit Reporting Act. 
4 ) Equifax finally responded on XXXX without adequately responding to my dispute of them violating the Fair Credit Reporting Act nor have they provided proof of these creditors having permission to furnish these accounts on my consumer report. 

15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy. I never gave permission for Equifax to share my report with these or any other creditors. 

15 U.S.C. 1681 section 604 ( A ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions. Equifax, nor these creditors, has received my written permission to furnish these accounts on my consumer report. 

15 U.S.C 1681i Section A states a consumer reporting agency, upon a consumer dispute, must conduct a reinvestigation to determine whether information is inaccurate and record the current status or delete the item from the file before the end of the 30 day period beginning on the date on which the agency receives the notice of dispute from the consumer. Equifax did not provide evidence of or conduct an investigation within the 30 days after I submitted my dispute ( XXXX ). In fact, they didnt respond or investigate at all until I submitted a complaint with the CFPB. Under the Fair Credit Reporting Act that is a violation and all disputed accounts must be REMOVED from my consumer report. Equifax still has not provided proof of a reasonable reinvestigation simply stating the accounts have been proving verified without evidence, yet there are CLEAR inaccuracies in the reporting of said accounts. 

As you can see in my credit report in the attached documents the information these creditors and credit reporting agencies, including Equifax, have furnished on my consumer report is not even consistent let alone accurate. Had Equifax done a reasonable investigation at any point they should have been able to spot these inaccuracies. Instead they have unfairly affected my ability to receive fair credit costing me opportunity. Each infraction of my rights is punishable by no less than {$1000.00} per violation. All accounts must be REMOVED from my consumer report immediately. 

Equifax has not provided any evidence of me giving these creditors permissible purpose to furnish any of this information on my consumer report! That is a clear violation of the Fair Credit Reporting Act. All accounts must be REMOVED from my consumer report immediately! Equifax, being a consumer reporting agency, is responsible for these violations of my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and 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.
Product: Credit card or prepaid card

I, XXXX XXXX applied for and was approved for Citibank Mastercard. I applied with my name, my birthdate, and my social security number. However, the approval came back with the first name, XXXX, which is my husband 's name. I registered the card online, with my social security number, and it already hit my credit report for the inquiry on the card. The company refuses to speak to me, because my name isn't XXXX. I have faxed in and e-mailed in copies of my social security card and driver 's license to prove my identity and they still refuse to fix the problem or speak to me regarding the account. I am very upset because they gave out information on my account to my husband, XXXX, which they should not be speaking to him about my account. The offered him to close the account, my account, that's attached to MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bankruptcy filed was by an attorney who dismissed it the next day telling me that it will not be on my credit and it is still showing. The bankruptcy papers was prepared in 2016 and dismissed. I have talked to her and she mentioned that I need to dispute it and it should have not been on my credit. Please review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act these XXXX  accounts has violated my rights. 

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

15 U.SC 1681 Section 602 A Section 2- Also States a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I work an evening-into-night job as a XXXX to a XXXX company. I am paid approximately once a month sometimes a little early, sometimes a little late, around the XXXX of the month. 
Because my employer has bounced checks on me in the past, and because of the uncertainty of how and when banks clear funds when I deposit a check, I have a well-established pattern of my deposits with my bank, US Bank, at XXXX XXXX XXXX in XXXX XXXX, Missouri. 
Within a day or two that I receive the check from my employer, I negotiate the check at my employers bank and get my pay in cash. From there, because I dont want cash on me as this is hundreds of dollars, I go directly to the US Bank branch on XXXX XXXX to deposit the cash. This way, I know the money is available, as I live paycheck to paycheck, and I have important medications to purchase, as well as all my living and car expenses. 
I negotiated my XX/XX/XXXX, paycheck at my employers bank ( XXXX XXXX   of the XXXX, XXXX XXXX branch ) on XX/XX/XXXX. From there ( early afternoon ), I went directly to my US Bank branch ( XXXX XXXX ). I parked in the parking lot and walked the cash in. I deposited {$900.00} in cash. I can not remember the exact denominations of the bills from XXXXXXXX XXXX, but it would generally be a mix. I have only a checking account with US Bank. 
Much to my surprise, as I was recently paying bills, I discovered that US Bank did not credit this cash deposit to my account! I have searched high and low for the receipt, but have not been able to find it. These are vital and necessary funds for me. 
As soon as I saw this discrepancy, I went to my branch to talk with them. They dismissed my claim, and they refused to help in any way. I asked, since this is a long-established pattern and I know a bank has several security cameras all over the property, if they would help by looking at camera footage. In the early afternoon of XX/XX/XXXX, they would likely see my truck in the parking lot, they would likely see me coming through the doors, and they would likely see me at a tellers station. All very reasonable as Ive been a good customer, and I have this well-established pattern. 
They refused to help. They claim I must subpoena them. How is this for customer treatment? 
I called US Bank Customer Service on XX/XX/XXXX, and explained the situation. They also refused to help me in any way. 
I went to the police to file a report, but because of the nature of the incident, they would not take a report. 
I suffer XXXX XXXX, and this has just about put me over the brink with extreme XXXX and XXXX. All I want is a fair effort on their part to help. Afterall, it is not out of the realm of possibility that someone pocketed that cash. It is difficult to trace. But it is NOT difficult to establish that I indeed was at the branch that day and made a transaction that is totally within an established pattern of business. 
I am attaching in this complaint a copy of the negotiated check from my employer dated XX/XX/XXXX. This establishes the start of the events that created the cash deposit at US Bank in the amount of {$900.00}.
Product: Debt collection

As of XXXX XXXX, a collection account under the name of Helvey and Associates was reported in my credit file for the amount of {$840.00}. I was informed about this by XXXX XXXX. I would like to clarify that I have no knowledge of this account, did not authorize its creation, and have never had a gas bill in my name. I believe this situation constitutes identity theft, and I kindly request that this account be removed from my record. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is reporting different data across XXXX and XXXX. i've sent several letters about updating this account with my correct info but those 2 bureaus refuse to do so.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's handling of disputes, especially in light of the recent lawsuit by the CFPB, which reveals significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was informed that recovering lost funds was impossible and that tracking transactions was unfeasible. The CFPB 's findings suggest that Zelle has not only failed to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply concerning and raises serious questions about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled a dispute with cfpd on this several months ago. After all this time the items in question were still not removed. I finally got through to speak to a human at XXXX  and finally they removed 99 plus items not belonging to me. All if which I have been disputing for a very long time and were terribly overlooked on their part. 
My report showed a second SSI number a wife that I never had, that didn't even have the same last name that had a delinquent XXXX  account on my report that prevented me from obtaining a loan from them myself 3 years ago. Also on this phone call i found out that another collection account of almost {$500.00} was her actual husbands account not mine. Boat loads of names addresses phone numbers a wife multiple SSI numbers have been removed from XXXX. still a few remain. but even after all of this I only received a slight increase in my fico. This is ridiculous and I need this fixed. Also I should be rewarded with compensation for heavy damage to my credit embarrassing rejections the perception of having a wife when I was never married. I am retired and lving on a small pension and ssdi. I need credit to survive. Also after removed several delinquent and negative items since my initial complaint with CFPD my scores with XXXX  and transunion have dropped ridiculously and I feel this is a direct and intentional retaliation for filing that initial complaint And thet should be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see below regarding current late payments in last 12 months dates : 1st Digital/Synovus XXXXXXXX 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 XXXXhis is a misuse of my rights. This is not accurate these late payments it is violating my fair consumer right please remove these late payments they are inaccurate and violating my consumer rights I am exercising your right under the FCRA, section 609, I am requesting all information related to debts listed on your credit report. I am entitled to all documents related to each item, including each original credit application and contract containing your signature.

In addition I am requesting information about items in your inaccurate the credit bureau that if they can not verify an item by locating the original contract or other documents necessary to validate a given item in your credit report, they must remove that item within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the below items and the credit bureaus failed to invesigate and failed to send me the investigation result within the 30-day period prescribed by 15 U.S. Code 1681i and failed to obtain verification pursuant to 15 U.S. Code 1681s2 XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report.

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report.