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

XXXX, XXXX, AND EQUIFAX FAILED TO INVESTIGATE MY DISPUTE ON THE MULTIPLE inaccuracies on my credit report. They have failed to do their job when it comes to challenging alleged negative items on my credit report. 

They failed to do there job, which is causing severe damage to my character and my life. 

Ive sent them multiples of letters and they failed to do their investigation. 

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 permitted by FEDERAL and STATE LAW to file this dispute. 

They violated my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation.
Product: Checking or savings account

Last year 2023 CHASE unbeknownst to us withdrew a fee that was erroneous and didnt apply to the terms of our account.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$58.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$320.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$950.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$490.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

Company emailed me notice that they do not intend to investigate because they do not believe I authorized the inquiry 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.

The information and Accounts listed below have violated my rights.

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. 


1. Names disputes- 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 2. Address Disputes- 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 Employer Dispute : 1. Current Employer XXXX XXXX XXXX XXXX XXXX Account Dispute XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Status and balance Request immediate deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Request immediate deletion - Account XXXX XXXX XXXX XXXX XXXX : Incorrect account status and balance. Resolved account request immediate deletion - Account XXXX XXXXXXX Possible Finance : Incorrect status and Balance request immediate deletion - Account XXXX : XXXXXXXX XXXX XXXX status and balance. Request immediate deletion - Account XXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account XXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account : XXXXXXXX XXXX XXXX  NO CONTRACT request immediate deletion - Account XXXX XXXX incorrect balance and status : request immediate deletion - Account XXXXXXXX XXXX incorrect balance and status : request immediate deletion account SOLD - Account XXXXXXXX XXXX XXXX incorrect balance and status : request immediate deletion
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report misinformation from XXXXCBNA, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. I have disputed their information for over two years with XXXX and XXXXCBNA continues to give the credit reporting agency false information. According to XXXX 's report a payment was made to XXXX/CBNA   on XX/XX/XXXX. Any activity by me with this creditor ceased long before that date. I am asking that XXXX/CBNA provide proof of any such activity actual hard copy proof, including a ledger accounting of all payments and dates these alleged transactions occurred. XXXX/CBNA was asked and I am also requesting that they provide confirmation that there was NOT any activity created by my ex-wife, XXXX XXXX, instead of me. I make this statement because my ex-wife had a habit of mishandling my affairs. This may not be the case but XXXXCBNA must prove that I conducted the alleged transactions and not her, because I did not. Without this proof, XXXXCBNA should advise XXXX to immediately remove any information on my credit report. 

This account is NOT listed on either XXXX or XXXX. 

XXXX  was notified, and XXXXCBNA has been notified as well that their false reporting has caused me financial harm and created a negative impact on my personal history. If this false reporting is not corrected not later than XX/XX/XXXX I will pursue all legal means against XXXX and XXXXCBNA to  seek compensation for the harm suffered.
Product: Credit reporting or other personal consumer reports

These XXXX inquiries that are reporting on my EXPERIAN credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( PLEASE SEE ATTACHED )
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate and unverified information on my consumer reports which is harming my reputation as a consumer and hindering my ability to make necessary banking transactions. Reporting alleged debt of {$22000.00} allegedly owed to XXXX XXXX XXXX. Reporting alleged debt of {$1100.00} and {$2800.00} allegedly owed to NAVY FEDERAL CREDIT UNION. Reporting alleged debt of {$3300.00} allegedly owed to XXXX XXXX XXXXXXXX who I have no written contract with. Reporting alleged debt of {$1100.00} allegedly owed to XXXX XXXX who I have no written contract with. Violations of 15 USC 1692b ( 2 ) -stating that I owe debt. Violations of 15 USC 1692d ( 1 ) harming my reputation as a consumer. Violations of 15 USC 1692d ( 2 ) using obscene language that I, the consumer find abusive.
Product: Checking or savings account

On XX/XX/2021 I received a check from Citibank via XXXX express shipping for the amount of {$11.00}, XXXX the check is missing {$1000.00} on top of the {$2000.00} missing from the account. 

I called Citibank customer service 6 times over a few hours to get answers for why so much money is missing. I spoke to several reps who confirmed that {$1000.00} is missing from the check. They couldn't access transaction history or account statements for XX/XX/XXXX going forward to XX/XX/XXXX. The agents then transferred me to the fraud department who then informed me that the government took money from the check they sent me. But that is dishonesty on the behalf of citibank because I do not owe any debts to the irs or anyone. So what really happened to the rest of the money? 

On XX/XX/2021 I deposited that same citibank check into my new account at XXXX XXXX. XXXX XXXX said that SOME funds would be available today XX/XX/2021 but when I went to the bank, XXXX XXXX informed me that when they went to collect the funds CITIBANK stopped them and told them that funds wouldn't be available until XX/XX/2021 ... as you can already assume, this another inconvenience and a show of incompetence on the part of citibank and it's offshore customer service department. 

Since XX/XX/2021, I have been unfairly scrutinized and what seems like punished for spending money the way I see fit. Since XX/XX/XXXX, I have been humiliated and my life flipped upside down due to the extremely petty way that citibank has decided to scrutinize me. 

I still have NOT been informed of what I did wrong OR how my account ended up under a fraud investigation. It's now XX/XX/XXXX and citibank is still being dishonest in how it's handled my account. I have been waiting for WEEKS to see account statements and such. There is ALSO a LARGE sum of money missing. 

My mother died and her insurance left me that {$15000.00} check that I deposited into CITIBANK. It's been XXXX trying to do the things I need and it's also been hard to mourn my mother with having to constantly worry why citibank has decided to steal money and withhold answers when I've proven countless times that I am the account owner. 

You can see from the attachment below that XXXX was my balance before citibank closed my account. This was my balance on XX/XX/2021. What happened to the rest of the money???? Why is citibank being so shady???? And dishonest. 

Every time I speak to a customer service representative they act as if they don't know anything and can't help with anything and I honestly think it's the employees that stole from my account or did something funny to the account.
Product: Debt or credit management

I have received my credit report and found there are several inaccurate data points within my personal identification which your agencies is reporting. Please DELETE any other names and address that are reported by your agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit card from Chase Bank reporting negatively on my credit. It lists me as an authorized user. I never permitted anyone to put me on their credit card. I disputed it with the bureaus and chase but chase continue to report this account on my credit file
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that since XXXX of XXXX the account below has been reporting late payments. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to best of their ability with Maximum Accuracy. I have never been late for this account. 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 number : XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$9300.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX  XXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : 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

I XXXX XXXX sent multiple letters and complaints about this United auto credit that's connected to an address that I do not know. As seen on my identification card I uploaded the address that I have resides is not connected to this account.These false information keeps being updated to my credit profile and keeps leaving a negative effect on my profile.I contacted the creditor and credit bureaus multiple times about this issue and nothing is being done.This issue is slowly giving me emotional damage. As Stated in 15 U.S. Code 1681c1 I XXXX XXXX the consumer had given multiple identity theft reports and also placed a security freeze.
Product: Credit reporting or other personal consumer reports

Letter to Credit Bureau Dispute information in Credit Report File Date 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 Dear ( XXXX XXXX, This letter is to serve as a formal dispute regarding inaccurate information contained within my credit report file with your agency. 

I have identified herein the items that I am disputing : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX The items I dispute are also circled on the attached copy of the credit report file I received. This is ( INACCURATE OR INCOMPLETE ) because I never had an apartment at XXXX apartments in my life, therefore this was fraudulently opened. 

I am requesting that the items be deleted ( OR REQUEST A SPECIFIC CHANGE ) to correct the information contained within my credit report file. 


Please investigate this matter and ( DELETE OR CORRECT ) the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to EXPERIAN. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Product: Credit reporting or other personal consumer reports

am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, XXXX  XXXX  XXXX Account number XXXX XXXX, XXXX Account number : XXXX, XXXX XXXX XXXX  Account number : XXXX , XXXX Account number : XXXX, XXXX XXXX UNIVERSITY Account number : XXXX, XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

According to federal law credit transactions and experiences are illegal and should be excluded from my credit report.the following account is reporting 31 late payments on my transunion XXXX and XXXX reports and I have disputed this account 20plus times and XXXX mtr account # XXXX is violating my federally protected rights under 15 usc 1681 a 2 excusions and transactions shall not be reported.delete XXXX mtr account from all 3 credit bureaus immediately because it is seriously impacting my ability to obtain a vehicle and buy a home.also I did not give them written permission to report this account on my credit files.this account is reporting several inaccurate information 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.ive shown all of the inaccurate inconsistent incomplete information to XXXX transunion and XXXX and the keep ( verifying this account through e XXXXXXXX and not doing an actual investigation.ive asked numerous times how they investigated this account and they keep dodging my requests.i want {$1000.00} for each violation on my report.please forward my check to XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX
Product: Student loan

I had talked on the phone with sallie mae back in XXXX in the fall. Roughly XXXX. The rep I talked to told me that we would put me on a payment plan that would help me pay off my loans and not accrue constant interest. This was a lie, not only did they continue to charge me money during COVID, even when I told them about not being able to work/losing work because of COVID, they never gave me my payment plan. When I tried talking to them they denied this, over and over.

I missed one payment, and they have been harassing me nonstop, sending me 10 texts a day, 6-12 calls and voicemails, and at least 2-3 emails per day about it.

This company is disgusting in their practices
Product: Debt collection

I am writing to formally request validation of the debt referenced in your recent correspondence regarding an account originally held with Progressive in the amount of {$210.00}.

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt you claim I owe. Please provide the following information : The amount of the alleged debt.

The name of the original creditor ( Progressive ).

Proof that you are authorized to collect this debt on behalf of the original creditor.

A copy of the original agreement or contract that obligates me to pay this debt. 
Any other documentation that supports your claim. 
I dispute the validity of this debt and request that you cease all collection activities until you provide the requested validation. Additionally, I ask that you refrain from reporting this debt to credit bureaus during this verification process. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

XXXX # XXXX On XX/XX/XXXX I tried to transfer my holding in XXXX XXXX to my hardware wallet. XX/XX/XXXX initiated official complaint XXXX # XXXX. XXXX closed my case in XX/XX/XXXX. Posted to XXXX XX/XX/XXXX, XXXX responded XX/XX/XXXX still no resolution. 

Need to transfer XXXX from XXXX to my hardware wallet. Address is whitelisted and I can transfer from Coinbase Pro to hardware wallet but CAN NOT transfer from Coinbase wallet. I have provided screen shots and do not know how to make it more clear for them to resolve. XXXX months is more than reasonable amount of time to resolve this issue. Can not speak to anyone just email back and forth with a bot or other unintelligent support mechanisms.
Product: Credit reporting or other personal consumer reports

XXXX 2024, I file a dispute about information on my report that was settle with the creditor, and XXXX still has it on my report as negative and its affecting my credit score. what can I do about this?
Product: Debt collection

I contact XXXX XXXX XXXX XXXX now XXXX ) in XXXX and asked them not to contact me via telephone. I encourage and respond to emails they send. They have called me after receiving and acknowledging my request not to call me. 
XX/XX/XXXX at XXXX pm XX/XX/XXXX at XXXX pm I want the phone harassment to end.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXXXXXX  as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX and XXXX XXXX on all ( XXXX ) Credit Bureaus. I am currently experiencing tremendous identity theft issues due to a XXXX XXXX by XXXX XXXX. Transunion has allowed this identity thief to remove my XXXX XXXX x XXXX. The thief does this in order to try and get more fraudulent credit in my name, and this creates more work for me. An identity thief is called an identity thief because he or she steals one 's identity, and thus has someone's personal information. When this takes place, Trasnsunion should have Security Measures in place to prevent this. An identity thief should not be able to call Transunion and unlock my XXXX XXXX and XXXX XXXX so easily. And by doing this is able to pursue more fraudulent credit.