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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

DEPT OF EDUCATION/XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX XXXX Balance {$16000.00} XXXX XXXX Balance {$550.00} XXXX XXXXXXXXXXXX XXXX  Balance {$0.00} Inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
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 Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX acct # XXXX, XXXX XXXX # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX, XXXX acct # XXXX, XXXXXXXX XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX acct # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. AS WELL AS THE ACCTS DONT BELONG TO ME 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. PLEASE REMOVE FROM MY ACCT
Product: Credit card or prepaid card

I attempted to use my card at the atm and was told the transaction couldn’t complete so I called the company around XXXX  XXXX  and was told “ we are sorry for the inconvenience but we can not answer any questions at this time call back in 3 hours.”  I called back at XXXX  XXXX  and was told the exact same thing. I can’t check my balance, I have no idea if the still have my money. They have given no ETA or inclination that they even know what the issue is. I am unable to use my card and my money is being held hostage by this company. It is 5 days before XXXX. The card is Bluebird by American Express. What irks me is they have on their website that the website is down but that the cards are unaffected and can still be used, but they can’t.
Product: Checking or savings account

XXXX someone else referred to the accounts XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with XXXX Transunion and XXXX since XX/XX/XXXX and have not gotten anywhere with them so this is why i am here All 3 credit reporting agencies have failed to conduct a reinvestigation which is a violation of 15 usc 1681i ( a ) ( 1 ) ( a ) The following accounts have the following violations and need to be removed form the credit report. 

XXXX XXXX loan # XXXX Transunion and XXXX violated 15 usc 1681s-2 ( b ). They have failed to provide account level documention after being contacted by the credit reporting agencies regarding my dispute and violated 15 suc 1681s-2 ( a ) ( 5 ) they have failed to mark the account as disputed even tho i have multiple times. 

XXXX XXXX Account XXXX XXXX violated 15 usc 1681s-2 ( b ). They have failed to provide account level documention after being contacted by the credit reporting agencies regarding my dispute and violated 15 suc 1681s-2 ( a ) ( 5 ) they have failed to mark the account as disputed on XXXX and transunion even though i have multiple times. 

XXXX XXXX Payment history is inaccurate from XX/XX/XXXX to XX/XX/XXXX between XXXX  transunion and XXXX. therefore this is a failure that they failed to give the furnisher relevant information and self violated 15 usc 1681s-2b.

The following collections need to be removed and all have violated 15 usc 1681s-2b XXXX- XXXX Transunion and XXXX XXXX XXXX service- XXXX ( Transunion )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have worked hard on removing inaccurate information from my credit report as well as updating my address, email address, and phone number to Navient. I currently am unemployed and on a deferment plan. I just recently pulled my credit for my own review to find out that they are reporting that I have been late every month in XX/XX/XXXX. I'm beyond livid at this point as I mentioned before I've spent a lot of time and energy removing previous inaccuracies. My credit score was XXXX now I'm below XXXX due to this. This loan was from XX/XX/XXXX and is under XXXX due.
Product: Debt collection

I requested a debt validation letter to validate a debt from the original creditor from a company called Focus Receivables. The agency informed me that it does not fall within my right under FCRA laws to request XXXX.
Product: Credit card

I over paid my Citibank MasterCard credit card by {$610.00}. 
XX/XX/XXXX, I called to request a refund, Citi submitted the request to send a check. 

XX/XX/XXXX, I called to tell Citi I had not received the check. 
Citi customer service said check should have arrived, they will cancel that check and request a XXXX check is sent. I was told it could take up to 14 days. 

XX/XX/XXXX, I called Citi to say a check arrived and asked how should we handle it. Customer service asked for the check number, and said it had been cancelled. I asked about the 2nd check and was told there was none.

At this point, I asked if they could transfer the money to my Citibank checking account which is linked to my Credit card. 
Citi said a request was submitted to transfer the money to my checking account and it should be completed by XX/XX/XXXX. 

XX/XX/XXXX, I called Citi Mastercard to say the money is still showing a credit balance on my credit card and had not been transferred to my checking account. A asked for a manager - a supervisor named, XXXX, spoke with me. I explained the situation yet again. XXXX said he would put in an expedited request and the refund should be transferred to my checking account by today, XX/XX/XXXX. 
As of this writing, the refund is still on my credit card and not transferred to my checking account. 
I spoke with customer service again today, XX/XX/XXXX, also spoke with another supervisor, XXXX, who said he would submit a request to see if my refund could be sent. I said, excuse me and repeated what he said to ensure I heard him correctly. I asked to speak with his Manager, XXXX abruptly put me on hold, did not say hold XXXX minute, and I was left on hold over XXXX minutes. I hung up the phone and filing this complaint. 

It should not take 2 months to get my money refunded. By the way, the check was for {$660.00} which included interest. Again, the money is still showing as a credit balance on my credit card and has not been transferred to my checking account. 

I had ripped the check but taped it back together to upload a copy. 

I have been a card member of Citibank since XXXX. Please help to get my refund from my credit card. 



Thank you. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for this account. 

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$580.00} written off. {$580.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$580.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$400.00} Highest balance {$580.00} Terms NA On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an eviction that keeps coming up on my rental background check and the eviction was sealed so it should not still be coming up.
Product: Debt collection

I never had an account with the original creditor. I have no knowledge of this debit or the creditor. I believe that someone has stolen my identity. This account was opened in another state.
Product: Credit reporting

I got an email with a credit report alert. I logged in to XXXX XXXX and it showed a collection had been turned in saying I owed. It lowered my score and upset me badly! I knew I pd this so I looked at my credit card summary to be certain, and it had pd it. It was in XXXX. I called central XXXX and left a message. They called me and appologized saying they did n't know how that got sent out! I told her I 've always had excellent credit and was very upset. She assured me she would contact the agency and get it taken care of. It 's still on my report after 3 weeks. I am in the process of purchasing a new vehicle and this error is affecting my interest rate! Due to XXXX I am going through a lot of emotional and physical issues and I do not need this added to this. My credit standing is very important to me. Please help me get this fixed so my score goes back up into the XXXX! Thank you and have a blesse da! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account and inaccurate address passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Last year on XXXX XXXX, 2023 I believe that's the excact date. I personally let my boyfriend borrow my car beacuse his car was at the shop. Unfotunatly a car hit my boyfriend. My boyfriend was confuse beacuse he never hit the car and didnt knew about it until the guy started yelling that he hit him. So my boyfriend told him no i didn't he isnisted yes you did. So my boyfrien pulled over and waited for tge police officers. To arrive. Me without knowing about insurance my boyfriend wasn't able to drive it if he wasn't under my insurance. Well for my luck that month i paid a part of my insurance and gave the other part late. 2 days well they took it as i didn't had insurance. They took it as i was with no insurance i still had full coverage 3 month after the incident until they kicked me off my insurance beacuse my boyfriend was driving it. My boyfriend gave all his information with the police officer. And gave his insurance to him and everything. But AFNI is on behalf of XXXX XXXX XXXX. Has been coming at me since the car is in my name and under me. They want XXXX out of me, since then they been harrasing me, and threating me if i don't pay they will cancel my insurance and report me with the dmv to revoke my D.L. their was no total lost on the on my nor the guys their was no medical emergancy Nor nothing. only a bit of paint scruff that got on my car their is no dents neither. I have already took the guy to court now just waiting to get him served.I just don't want my D.L canceled or my insurance i commute on highways everyday to get to work. And afni acussing me without knowing who was at fault And sending me to collecting for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out I had 2 different credit files due to name change by marriage. As a result, I had two different credit scores for Equifax. I called to have the two files merged. On XX/XX/XXXX, both credit files were deleted and removed all credit history. I spoke to a gentleman at Equifax whom spent time with me collecting all of my account and creditor information so they can be added back. The confirmation number for that call is # XXXX. On XX/XX/XXXX, I was requesting a credit line increase on my XXXX XXXX card with XXXX XXXX. They were unable to pull my report. I lifted the credit freeze and called them back to try it again. At the same time, I processed a request to view my credit report on www.myequifax.com, I received an error message. The next day, I experienced the same thing and XXXX XXXX was still unable to view my credit report. I have not seen an updated credit report in months, all because I changed my name and everytime someone fixes it gets worse. XX/XX/XXXX I call Equifax and requested to speak to a US representative, the customer service associate refused to transfer me. I explained dilemma and after reviewing my file preceeded to tell me there isn't an issue with my report. I requested to speak to a Supervisor and was left on hold for 30 mins. I hung up and called a different Equifax number. I spoke to another associate who was sympathic and kind enough to assistance but she was unable to view my report. She asked I call the Equifax Global Consumer Care at XXXX. XX/XX/XXXX I spoke with XXXX and they too were unable to access my Equifax credit file. As a result, I am unable to view my report and scores for XXXX and XXXX as well. XXXX I am currently on the phone with Equifax at XXXX CST. The associate would not transfer me to a US Representative but is kind enough to assist and look into this as well. So far, he does not see any issues with pulling my credit file. He is unable to find my MyEquifax account online and as of right now I, XXXX XXXX  and XXXX must be doing something incorrectly because " there is no issue accessing my report ''. Mind you that names on the XXXX and XXXX XXXX  requests match my credit file as XXXX XXXX XXXX and same address. I am beyond frustrated and unable to refinance my home, car or obtain any credit that requires an inquiry with Equifax. I have been resolving issue after issue with Equifax and have exhausted all avenues. Still sitting on the phone currently, 57 minutes.
Product: Mortgage

I submitted check # XXXX  from XXXX XXXX to BBVA Compass made out for {$1500.00} for the payment of my mortgage. This check was cashed by BBVA on XX/XX/XXXX for {$500.00}. I noticed the error on XX/XX/XXXX and contacted XXXX. They saw the check image and submitted an additional {$1000.00} to BBVA Compass to correct the transaction. I later received notification from BBVA compass that my mortgage was overdue. BBVA had not posted the additional {$1000.00} to my account and processed the {$500.00} payment as curtailment instead of a partial payment. I contacted BBVA on XX/XX/XXXX to have this issue corrected and they were unable to find the additional {$1000.00} transaction. I was told that I needed to contact XXXX   and have them send a copy of the voided check or transaction for the {$1000.00}. I contacted XXXX  ( case # XXXX ) and they provided me with the reference number ( XXXX ) and stated that BBVA was required to find the money since it had already been processed and finalized. I contacted BBVA again and was told that they would research and call me back ( reference # XXXX  ). I had to contact BBVA multiple times asking for the status only to be told after the third time that the research request was never created and I needed to send in a copy of my bank statement showing the {$1000.00}. I sent this on two separate occasions. Once on XX/XX/XXXX to XXXX, and again on XXXX XXXX XXXX to XXXX this last time with a new reference number ( XXXX ) and was told it would be resolved within 10 business days. I finally called again on XX/XX/XXXX and was informed that they never received the bank statement and didn't have a record of my issues dating back farther than XX/XX/XXXX. This has resulted in late fees being applied to my account, the accrual of additional compound interest on the {$1000.00}, loss of at least 15 hours as I had to fight this error, and loss of trust in the financial institution of BBVA Compass.
Product: Money transfer, virtual currency, or money service

I have contacted Certegy Check Services numerous times in regards to fraudulent checks that have been written in my name. I have done several police reports and spoken to numerous customer service reps in regards to flagging my name so that these criminals are no longer able to write fraudulent checks in my name. I was told that they are not able to flag my name but, could not give me a concrete answer as to why. At this point over  XXXX  checks have been written in my name  (  which have all bounced ) and the police came to my home looking to arrest me. If CERTEGY CHECK SERVICES would just flag my name the checks will decline and these criminals would be stopped. They have not helped me at all but, have reported me to the credit bureaus numerous times which has caused my score to go severely down. This is a nightmare and Certegy has done NOTHING to fix this problem. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed many inaccurate items on my TransUnion credit report. TransUnion did not respond in a timely manner so I sent them a letter indicating they had not complied within the required 30 days. A few days l received an 'updated ' TransUnion credit report in the mail with no changes. I sent TransUnion another letter requesting they describe the method of verification used to validate and verify the disputed items. In response to that letter, TransUnion sent me yet another letter telling me that I had already disputed the items and that they were refusing to take further action. TransUnion has never truly verified or validated these items on my credit report, they have only sent me generic, computer-generated, canned responses to my inquiries.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquires to be pulled from my credit report and I want them to be removed please
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} BANK XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX.
Product: Debt collection

I recently submitted a claim against an outsourcing company called Metacorp. They responded to my original complaint today stating they outsourced this debt to different collection agencies. Spoke with XX/XX/XXXX and XXXX XXXX XXXX and are aware that I have spoke with XX/XX/XXXX regarding identity theft. They suggested I report identy theft to the FTC ( which I did XXXX so all communication would stop regarding this debt. They also stated and I quote " Nonetheless, as MsXXXX XXXX continues to alleged that this account was fraudulently opened, we have recalled her account from XXXX XXXX XXXX and have placed it in a " FRAUD-PENDING '' status. '' I just received an email now from XXXX XXXX XXXX with instructions to clear the debt. Obviously Metacorp did not do as they said they would.