23daVinci/CFPB_Complaints huggingface dataset:
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 Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 15 U.S.C. 1681s-2 ( 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

The List of accounts below has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However, I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my requests. All the data is still the same. 

Here are the items I have sent to the bureaus requesting the verification. 1. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I've noticed unfamiliar items that seem to indicate potential identity theft, as I did not authorize these accounts. This issue has been previously discussed, and I am now requesting expedited removal of these accounts from my report. Their presence is causing considerable stress as they do not accurately reflect my credit history or financial responsibility. Dealing with this situation has been challenging, and if a resolution can not be reached, I am prepared to pursue legal action to safeguard my rights and find a resolution. These inaccuracies are significantly hindering my ability to achieve important financial milestones, such as purchasing a home and supporting my family. I sincerely hope for a swift resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, XXXX TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update this account completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

They are trying to collect a debt Im not liable of for XXXXXXXX XXXX XXXX .I asked them to provide me a an original contract. Which they didnt provide and I dont havre an original contract with RENTDEBT AUTOMATED COLLECTIONS.
Product: Credit reporting or other personal consumer reports

This is in reference to CFPB complaint XXXX that was sent to Equifax regarding inaccurate items on my credit report. I do not believe an investigation was conducted due to the response I received. Equifax stated that they were unable to locate a credit file for me which is not true because I have my Equifax credit report downloaded and will attach it to this complaint. I believe that Equifax is sending generic responses and not investigating, or Equifax removed all information from my credit profile which they have done before. Once again, I am demanding the following information to be investigated and removed from my Equifax report. If there is no information on my credit profile then Equifax will be under investigation because as my credit report dated XX/XX/year> will show, that I do have accounts in my name, under my ssn. Update my credit report immediately : XXXX Account Number : XXXX Remove this account due to misleading and false reporting. This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. DEPTEDXXXX Account Number : XXXX Remove this account from my credit report due to it being over 7 years old. XXXX XXXX XXXX Account Number : XXXX I never had an account with this collection agency and this account does not list the name of an original creditor. This debt was never validated. XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX This is not my account, and the creditor could not verify this information. XXXX has since removed this account. My information was compromised in the Equifax data breach. XXXX Account Number : XXXX You are reporting inaccurate information such as disparities in the High credit limit last reported and date last active. This is a violation of the FCRA.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I made a small but material typo when sending rent payment to my landlord via XXXX ( XXXX ) - incorrectly spelling his name " XXXX '' in the recipient 's email ( rather than XXXX ). Immediately realizing my error, I contacted Chase Online customer support within 24-hours and asked them to open a claim so that my rent payment could get rectified and go to intended recipient. After weeks of calling back for status updates, they told me there was nothing they could do since I knowingly signed their T & Cs when joining the bill pay service - eventually informing me after roughly four weeks that the claim had been closed and there was nothing more they could do. My {$1100.00} - one half my monthly income - had evaporated. In my frustration, I decided to email the incorrect recipient ( being that I knew precisely what erroneous email I had accidentally used ), and explained to him in plain terms who I was and what had happened. This gentleman promptly informed me that he had immediately alerted his bank when he received unknown funds in the amount of my rent payment, and that his consumer bank of record - XXXX XXXX - swiftly removed the funds from his account. An innocent mistake ended up lining the pockets of either Chase Bank or XXXX XXXX, which is unfair and utterly infuriating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Reliacard/US Bank is not allowing me to withdraw funds that I need while out of state. I have attempted to speak with them multiple times by phone to resolve this. I was told they have placed a " travel exemption '' on my account. However, they still will not allow me to withdraw funds greater than {$40.00}.
Product: Credit reporting or other personal consumer reports

I was denied credit due to information being reported by consumer credit reporting agencies. I do not agree to credit agencies reporting information about me. I also want to dispute the collection reported by XXXX XXXX XXXX for {$390.00}, this amount is an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX {$3400.00} XXXX XXXX XXXX CO XXXX {$21000.00} XXXX XXXX XXXX CO XXXX {$18000.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XXXX XXXX {$65000.00} XXXX XXXX XXXX XXXXXXXX {$1600.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Checking or savings account

On XX/XX/23 I received a phone call from Chime around XXXX and the guy said there may have been fraudulent activities on my account. He send me several verification codes and told me to uninstall my Chime app from my phon. I did all he said to do. He would send me a verification code and ask me what it was. I was on the phone with him from XXXX until around XXXX. He kept saying he was having computer problems with downloading. 
With in that amount of time my address and phone number was changed on my account, there were XXXX transactions on my checking account from XXXX XXXX FL. There were XXXX transactions from XXXX for {$20.00}, XXXX transactions from XXXX for {$21.00} and XXXX transactions from XXXX XXXX XXXX in the amount of {$53.00}, {$54.00}, {$53.00} and {$64.00}. I called Chime and explained what happened, and they filled out a dispute form to return my money in the amount of {$1200.00}. On XXXX XXXX I received an email saying " Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. I called Chime after receiving this and said this is wrong. I live in WV and I did not make any purchases in FL. They reopened the dispute, and on XXXX XXXX I received the same letter. I did not make these purchases and I really need my money back. They wiped out my checking and savings accounts.
Product: Credit card or prepaid card

Capital One did not defend me with the merchant who didnt issue a refund for an Incorrect item I received, And they have failed to ask for additional documents from my end and have made the decision solely on the merchants evidence. It is not the first time Capital One has done such thing and have continuously failed to resolve a dispute with A merchant. 
My case number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I discovered that XXXX XXXX checked my Equifax credit report without my permission. This was a hard inquiry on my Equifax report. I did not authorize this. I demand that Equifax and XXXX XXXX & Equifax remove this from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a service connected veteran I lost my job two years ago once I lost my job I made partial payments to Bridgecrest ( XXXX ) once I received a increase for my XXXX I caught my car payment up and set my payments on auto pay. XXXX has 16 inaccurate late payments on my report. I raised my score 160 points less than six months on my own however these late payments are affecting me personally and my score tremendously. I should have a 700-750 credit score but the late payments is causing my score to stay low. I have 30 days to move out of military housing and I cant rent nor purchase a home with my va loan due to the inaccurate late payments. I sent numerous goodwill letters pleading for forgiveness explaining what caused me to fall behind and My request was denied because my address wasnt updated. BRIDGECREST ( XXXX ) didnt update my address when I personally called to do so. I am currently caught up on my payments and will continue Lets me be clear every month I made a payment however its reported I didnt pay at all. My car payment is {$450.00} a month I only receive XXXX and just about every month my car is in the shop. I explained to Bridgecrest my issues but they wont help. Im currently fighting XXXX  XXXX due to BRIDGECREST IM IN DESPERATE NEED TO HAVE THESE LATE PAYMENTS DELETED FROM MY REPORT. I pay {$450.00} for a car that has over XXXX miles I cant trade it in nor can I refinance. Im in desperate need please help
Product: Debt collection

In XX/XX/2023 Columbia Debt Resource was sent a certified letter veritfiy ownership and proof of identidy. Columbia debt resource did not comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the below disputed information to Experian on XX/XX/2023 and per FCRA 611 the reporting agencies have 30 days to investigate the inaccurate information and if they do not respond within that time period they must remove the disputed information. 
Also included below is letter Experian sent which states they will not do what is required of them. 
Tracking number ( confirmed by XXXX ) : XXXX
Product: Credit reporting or other personal consumer reports

I moved for Experian to stop reporting negative accounts on my consumer report. I did not give written permission to have these accounts furnished on my credit report ( 15 USC 1681a2 ). These accounts must immediately be stopped from reporting on my credit report
Product: Credit reporting or other personal consumer reports

My credit report has accrued fraudulent items possibly from the Equifax data breach, the record indicates that my personal information was impacted by this incident. The below accounts on my report are not mine and i do not have a signed contract with them. 

XXXX / XXXX # XXXX / Bal {$0.00} XXXX XXXX XXXX XXXX # XXXX / Bal {$0.00} XXXX XXXX XXXX XXXX # XXXX / Bal {$890.00} XXXX XXXX/ XXXX # XXXX / Bal {$260.00} XXXX XXXX XXXX XXXX XXXX # XXXX / Bal {$1000.00}
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts in my report. Please remove this fraudulent accounts from my report, they are hurting my ability to obtain credit.
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$94.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$430.00} XXXX cards is on there also and its alot of inquire on my credit report that are unauthorized by me i have no knowledge
Product: Credit card

Subject : Unauthorized Account Closure and Disputed Charges I am filing this complaint regarding an issue with my Citi credit card account, which was unexpectedly closed without my knowledge or consent, and for charges that I did not make. 
-- - Details of the Issue : 1. Unexpected Account Closure : On The XXXX Day of XX/XX/2025, I called Citi to update my signature on file. During this call, I was informed that my account had been closed. 

I was shocked by this information, as I had never received any prior notification that my account was being reviewed, at risk of closure, or that it had been closed. 

To date, I have not received any formal communication from Citi about this action. 



2. Disputed Charges : Additionally, there are charges on my account that are not my own.

I was not provided with an opportunity to dispute these charges before my account was closed, nor was I informed of any investigation into them.

Impact on Me : The unexpected closure of my account has caused significant inconvenience and financial disruption.

The unresolved charges remain a concern, as they are not mine, and I feel that Citi has failed to protect my account from unauthorized activity.

This situation has raised concerns about potential damage to my credit score and overall financial standing.

Resolution Sought : I am requesting a thorough investigation into the unauthorized charges on my account. 

I want Citi to provide a detailed explanation of why my account was closed without notification or an opportunity to respond. 

I am requesting that Citi take all necessary steps to resolve the matter, including reopening my account and removing unauthorized charges, if applicable. 

Additionally, I am concerned about potential violations of federal laws, including : Mail Fraud : If statements or notifications were not properly sent to my address, this could constitute a failure to comply with required communication methods.

Securities Fraud : If improper practices or misrepresentation were involved in handling my account, this may raise securities-related concerns. 

I request that Citi address these issues thoroughly and provide a detailed report on their findings. Should these matters not be resolved to my satisfaction, I reserve the right to escalate my concerns to the appropriate regulatory bodies. 

I look forward to your assistance in resolving this matter promptly.