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

I am writing to formally dispute the presence of a fraudulent accounts on my credit report, which is currently being reported by Transunion. Despite my earlier submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), as per your protocol, these accounts remain on my Transunion credit report. Upon discovering these fraudulent accounts, I contacted the associated companies, which has confirmed the fraudulent nature of the accounts and assured me of its removal from their records. Subsequently, the other major credit bureaus, namely XXXX and XXXX, have removed these accounts from their records after recognizing its fraudulent nature. I am perplexed as to why these fraudulent accounts continues to be reported by Transunion despite being removed by the other credit bureaus. I have fulfilled all necessary requirements and provided all relevant documentation to support my claim of identity theft. I hereby request that you conduct a thorough investigation into this matter and immediately remove these fraudulent accounts from my Transunion credit report. The companies have acknowledged the fraudulent nature of these accounts, and its continued presence on my credit report is unwarranted and damaging to my creditworthiness. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft COMENITYCB/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/ This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/ This is not mine. 

6. Identity Theft COMENITY BANK/XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 16811 ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

They must be blind because everything is inconsistent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested the credit agencies to remove the unknown and incorrect addresses from my consumer report, yet they still remain. Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer report being fair and accurate. After reviewing my consumer report, it has come to my attention that XXXX continues to report inaccurate information was furnished, and I was never notified during the company 's initial investigation that they were going to report this information.
Product: Credit card or prepaid card

I purchased airline ticket from XXXX XXXX on XX/XX/XXXX for {$240.00}. 
XXXX XXXX airline cancelled my flight and refused to issue me a refund. 
I opened dispute with Citi Cards on XX/XX/XXXX. 
On XX/XX/XXXX Citi closed the dispute sending me this communication : " '' '' '' '' '' '' '' '' '' '' '' '' '' '' Citi ( R ) Cards XXXX XXXX    XXXX XXXX XXXX, SD XXXX This letter concerns the transaction described below made with card number Date Amount Description XX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXX   XXXX NY We needed your response to our XX/XX/XXXX letter no later than XX/XX/XXXX in order to continue our investigation. Since no reply was received by this date, the dispute was closed. We apologize for any inconvenience this may have caused. 
We regret that we are unable to assist you in this matter. 
" " '' '' '' '' '' '' '' '' '' '' '' '' '' The problem is that I never receive the communication Citi claims they send to me on XX/XX/XXXX in Noticed and Letters section of citi.com about this particular dispute. 
Even now if I check Noticed and Letters section of citi.com, I don't see the letter Citi claims they have sent to me on XX/XX/XXXX. Strangely, I see 3 letters for other dispute sent to me on XX/XX/XXXX. These 3 letters seems to be copies of each other. None of these letters mentioning the dispute I have a problem with. I think Noticed and Letters section of citi.com has a glitch. I've send video recording and series of screenshots demonstrating this problem to Citi without any recourse from their side.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX 100 WORD REBUTTAL The request for what you sent me was asked by XXXX XXXX XXXX, not me. 
I have no file number I know of. 

Facts : I canceled my XXXX 3 month membership the night before it was to expire. 
XXXX automatically renews membership if cancelation is not made. 
I informed XXXX XXXX that I canceled membership and I wouldnt pay if XXXX   charged me, and was told not to worry they wouldnt pay. 
XXXX told XXXX XXXX that they didnt read the cancelation until after the renewal and charged my account. 
I checked my three month extension to see if it had been closed twice over the next two weeks without using it. It was still active. 
XXXX XXXX still paid XXXX and charged me. 
I checked my account in mid XXXX and it was closed. 
XXXX XXXX XXXX owns XXXX XXXX Credit card. 
XXXX did not close my account after I closed it. 
I was charged for a closed account by XXXX for three more months. 
I did not use the account and the account was closed before the end of one month. 
I paid {$74.00} to XXXX XXXX XXXX to clear my account in XX/XX/XXXX. 
XXXX XXXX XXXX said they would and it would be cleared 30 to 60 days from XX/XX/XXXX, one to two billing cycles. 
TransUnion. a credit check company : XXXX XXXX XXXX, XXXX, PA XXXX said my account went to charge off and wouldnt be cleared until XXXX. 

Yours faithfully,
Product: Credit reporting or other personal consumer reports

This is my multiple 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 alleged fraud or extortion. XXXX XXXX  XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$940.00} ; XXXX, XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance Owed : XXXX ; XXXX, XXXX & XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$940.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
Product: Credit reporting or other personal consumer reports

I was a victim of ID Theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. Ive already filed an FTC report. The inquiries are : XXXX XXXX Bank ) - XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I have submitted police/identity theft reports to XXXX, XXXX, XXXX, lexisnexis to show that accounts from the U.S. DEPARTMENT OF EDUCATION are not mine i have sent my id to them numerous times showing my correct address and name as it appears on my id is what i want on my report and explained to them my credit report was exposed in the data breach. I have also sent documentation showing them that capital one was paid in full by progressive insurance and gap coverage. but they still let these companies report false information on my report is it because they are selling my information without my consent? 
Dates : dating back since XX/XX/year> its in their records i can pull up anytime the dates. 
Amounts : XXXX XXXX XXXX XXXX paid in full vehicle is in possession of XXXX insurance still showing i owe them in the amount of {$2000.00}. 

XXXX XXXX XXXX XXXX {$21000.00} the college they claim i attended XXXX XXXX XXXX XXXX has no information on me ever attending the college this has been on my credit report for years not even being my bill.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602A states I have the right to privacy and according to 15 USC 1681EB they are supposed to insure this 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.

15 USC 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 7 years.

15USC 1681 S-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, credit repair services, or other personal consumer reports

Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Equifax They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my review of my Equifax Dispute Results, I can still see inaccuracies and blatant violation. And so, my dispute letter to the CRA dated XX/XX/XXXX, once again inaccurate Items disputed ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ). Dispute reason : remove this account because the Status Updated date didn't change/update, this irrefutable proof that no investigation was done. remove for violation However, in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the XXXXatus Updated date didn't change/update after the investigation was done, this proves that no investigation was ever done because the Status Updated date didn't change. Status Updated date didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the Status Updated date didn't change to be a current updated date as per FCRA. 
It is to be noted that prior to my dispute with the CRA, inaccurate items XXXX XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX   XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX Status Updated date ( XX/XX/XXXX ), XXXX XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX A Status Updated date was ( XX/XX/XXXX ), XXXX XXXX  XXXX Status Updated date was ( XXXX XXXX ), XXXX XXXX XXXX   Status Updated date was ( XX/XX/XXXX ), XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX Status Updated date was ( XX/XX/XXXX ), After what is known as an investigation that was conducted and completed by the CRA, my previous dispute results from Equifax investigation still shows the Status Updated date didn't change/update.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( XXXX XXXX XXXX ) : ( XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I took a look at my credit report and I have shockingly found unverifiable, invalidated, inaccurate and questionable items that your agency did not make sure was reporting 100 % correct In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation of not reporting 100 % accurate. 

1. XXXX XXXX, Account # : XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.
Product: Credit card or prepaid card

The problem is with discover card. I actually already have an account with them this complaint is about obtaining a credit limit increase. I started with a secured card with a XXXX $ limit in XXXX. Since opening the account my XXXX has increased to XXXX according to their own site, I have not missed a payment with them or anyone else and have been considered credit worthy enough for other banks too give me XXXX limits. I have called them several times to try to get a credit limit increase and the just say the system automatically reviews it. I consider calling them an application for credit, they take adverse action against me by denying me additional credit, but give me no reason as to why, in fact they do n't even consider my request. Is this not a regulation B violation?
Product: Checking or savings account

On XX/XX/2024 I went to a atm to take out money. My bank is with Wells Fargo and this was while I was traveling in XXXX. This atm was in a local XXXX. I prompted the atm to withdraw XXXX U.S. dollars converted to XXXX dollars, but because I did not like the exchange rate provided by this specific atm, I hit cancel on the transaction, waited for my card to be returned, did not see any money be dispensed, and proceeded to withdraw from a different bank atm with a better exchange rate. This can be seen on my account. The described canceled transaction was pending on my account for a while before eventually being posted, despite me canceling the transaction. 

Wells Fargo said they have investigated and said all signs show that the atm dispensed money despite me hitting cancel and walking away with no money. This does not make any sense since I vividly remember hitting cancel on the transaction and I had zero intent on withdrawing money from that specific atm. All I know is that if the atm truly did dispense money then it was not an authorized transaction performed by me.
Product: Credit card

I received my Capital One Credit Card Statement that reflected a balance of {$8100.00} due by XX/XX/XXXX. On XX/XX/XXXX, I paid the balance reflected on my statement in full, {$8100.00}. On today, XX/XX/XXXX, I reviewed my Capital One Statement online and see that I owe {$45.00} for interest. I contacted Capital One and was advised that because I never paid my balance off in full each month that they can charge me back interest. How can you receive a statement that says one amount due, and that amount is paid in full before the due date and still be charged interest. Is this legal?
Product: Credit reporting

My goodness I have been through it with getting information on my Credit Report changed. Equifax, XXXX and XXXX have over XXXX variation of my name which is XXXX XXXX and they have just as many address 's. I have dealt with identity theft on XXXX occassion 's. And still I can not get any of them to remove the incorrect information. They even have another social security number listed that is n't even mine and they refuse to remove it. Please help me because I believe that they are n't actually investigating when I request it I believe that they are just going by what the Reporting company is telling them and leaving it at that. I have sent a copy of my Drivers License, My Utility and my social Security card and to no avail they refuse to remove it. What else is there left to do. You supply them with all valid information to support your claim and they just look over it.
Product: Checking or savings account

Citibanks discriminatory and retaliatory practices subjected me ( the consumer ) to a financial detriment that could've been prevented had procedures in place been adhered to. Without warrant they intentionally pursued the closure of the account because I asked to speak to someone in US after stating " I can't understand you. They left me on hold for 22 hours. I applied for the account, I was approved. Then I transfered funds to citibank. They waited on the wire and frozen almost instantly. They wouldn't give reason even though I verified every question they asked me. It is without question that the association of the request to speak to someone I'm the united states cause this. I waited weeks for that pay day. They knew that. Did not care. I was late on bills and they knew that, this caused me to get evicted, was already late and waited on this paycheck. Also, still haven't paid for car repairs resulting in repossessions of car. Slept outside for a week and jmablr to care for my ailing mother. This could've been prevented. The eru offices representatives, XXXX XXXX, really saw the detriment citibank caused and didn't understand it herself.