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

XXXX XXXX, XXXX XXXX XXXX has reported incorrect account on my credit report. XXXX XXXX Account was removed but XXXX   unblocked my credit file and allowed XXXX XXXX to place the unauthorized account on my credit report as opened in my legal name. XXXX claims they did a investigation and received signed contract from XXXX XXXX. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. XXXX   refused to file my dispute and advised I contact CFPB. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed  below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. 
The company has acknowledged this error and aware about my XXXX due to work injury and has committed to updating the status and do not report anything late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 

I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. Specifically, regarding the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The credit reporting agency continues and explained will continue to accept incorrect information from a creditor. Information that through paperwork given during a previous dispute showed the account settled with a XXXX balance. I called Experian and was told they only receive information from the creditors and report it. My issue is that is fraudulent, misleading, damaging and reckless knowing the information is incorrect. Without any proof disputing the paperwork work sent to me from the creditor on their letterhead. It is, in my view, not apart of the Fair Credit Reporting Act and should be illegal to accept fraudulent information EVERY month causing me to file a dispute over proven incorrect information.
Product: Checking or savings account

I made a payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX back on XX/XX/2022 in the amount of a total of {$250000.00}. However, the company is a fraud, and can not get in touch with anyone within the company. This was solicited as an investment in the property in XXXX, MD. However, the person is unreachable by any means. I personally went to the office and found out from the owner of the building that he hasn't paid rent in over a year and he hasn't visited his office in a long time. However, I found that his wife works in the same building for a company XXXX XXXX XXXX XXXX XXXX. I have no way of reaching him.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX says that consumer reports have to be equitable to the consumer. However each time I attempt to extend credit to take care of my household I am discriminated against because LexisNexis posted inaccurate information about me. My first dispute was XX/XX/2022 for the removal of XXXX XXXX XXXX judgement. This information collected about me does not fit the frame of having maximum possible accuracy because I was the victim of identity theft, see FTC Report Exhibit A. Due to the fact that I was never properly served, a default judgement was done in my name without my knowledge and now Im in the process of doing a void judgement. It is also to be added that LexisNexis inaccurately verified this information because they did not contact me to ask me the specifics about the account. 
How can LexisNexis assure maximum possible accuracy about my information if they never spoke to me? Its my information. The source of LexisNexis information is XXXX XXXX XXXX XXXXXXXX XXXX However the XXXX XXXX XXXX XXXX  clearly states on their website, The Clerks Office makes every effort to ensure the accuracy of the following information ; however it makes no warranties or representations whatsoever regarding the completeness, accuracy, or timeliness of such information and data. See, Exhibit B. If this site can not guarantee accuracy of information, LexisNexis must remove it off my consumer report. Secondly, one of the comments in the docket of the case shows that Im the incorrect defendant See, Exhibit C, which confirms again a failure to assure maximum possible accuracy. Thirdly, the docket has another name of another defendant, XXXX XXXX XXXX, inside the same docket with the same filing number, case number, and matter number, see Exhibit D. If LexisNexis had reasonable procedures for reinvestigation where a natural person would actually look and do the research when I initially disputed it, then this would have been resolve faster. Unfortunately, I now have to take time out of work to fix something that is taking equity from me, making it impossible to extend credit to take care of personal and household needs, and has taken away time that XXXX cant get back. Failure to remove this account per my written instructions as federally allowed will constitute willful non-compliance by LexisNexis. I am in injured party and LexisNexis must provide remedy in the following :
Product: Checking or savings account

I have accidentally sent XXXX to a couple of people by accident because there was no safe guards and a slip of the finger did it and when I called to get some help I was told theres nothing that could be done.
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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, credit repair services, or other personal consumer reports

I am currently disputing a bankruptcy item on my Transunion credit report. This Bankruptcy belongs to my father and is on my credit report. I submitted a dispute on XX/XX/XXXX and still have not heard anything back as of XX/XX/XXXX. I was asked by an agent with Transunion to open a new up a new dispute again but, I hadn't heard anythingback from my previous dispute on XX/XX/XXXX. I'm asking why is the dispute taking so long and that incorrect item be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports show one account in collections but the last payment date on the ORIGINAL account the collection agency bought was more than 7 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/ 2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit card

In XXXX of this year, my wife opened a Marriott Branded Chase Visa credit card in order to take advantage of their sign up bonus offer : XXXX Marriott points after spending {$3000.00}. As an authorized user of the card, we satisfied this spending requirement within the XX/XX/24 - XX/XX/24 billing cycle. The Chase statements state the requirements have been met however, the bank will not transfer them to Marriott for redemption. We have been back and forth with both Chase and Marriott and both companies blame each other for the points not transferring over.
Product: Money transfer, virtual currency, or money service

I tried to log into my crypto account with Gemini on XX/XX/XXXX but was told my account was frozen. I reached out to Gemini support for assistance and after sending them the requested information that included a picture of me, my ID, that days date and ticket number but havent heard anything back from them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information on my credit profile and have the following account numbers here to be removed from my credit profile immediately. I am a victim of identity theft and did not open any of these accounts. I also haven't made any of these inquries below and would like all information below deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent inquiries : 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
Product: Debt collection

The response letter and statement sent to me via Registered Mail dated XX/XX/2023 is not sufficient evidence to prove validation requirements. Also noticeable was there was no notice of right to dispute on Bridgecrest response as well as sensitive account information was sent via Registered Mail displaying symbolism on envelope in an attempt to collect a debt which violate privacy laws. This is different violation concerning not statement on letter Right to Dispute
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report Via XXXX and I noticed some late payments posted on my credit report, I never made late payments nor I was provided proof of such so my account needs to be updated to paid never late. 

Account Name : XXXX XXXX Account XXXX. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Page 36 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Money transfer, virtual currency, or money service

i initiated two separate domestic wire transfers with CitiBank ; one in the amount of {$50000.00} on XX/XX/2023, and another in the amount of {$30000.00} on XX/XX/2023. I received notification that I needed to call Citibank for verification purposes, which I did. The transfer for {$50000.00} was processed successfully ; however, I received an email at XXXX today that the transfer was cancelled and the money was moved back into my account. I called the bank and was promised that the amount was approved and released for funding by close of business today. As of this evening, nothing was done and the transfer remains cancelled. I called again and spoke with XXXX, and had him escalate the issue to a supervisor on duty. I believe he said his name was XXXX. I was instructed to reenter the wire transfer request into their system, as they could not do anything with what was there already. I was promised that this issue would be followed closely and I am to call them again tomorrow. I also inquired about the {$25.00} fee assessed against each initiated transfer, stating I want to be sure to get that money back for the transaction they cancelled for no apparent reason.
Product: Payday loan, title loan, personal loan, or advance loan

About 7 months ago, I applied for a personal loan online at CreditFresh and I was approved for {$4200.00}. I also signed for payments to be taken directly from my checking account. As of today, I have made 7 payments of about {$600.00} a month totaling about {$4200.00}. When I called today to find out how much was left to pay off my loan, I was told that I have an outstanding balance of {$4800.00}. I was told that {$520.00} of the monthly payments I have been making go towards monthly billing cycle charges ( so I have paid a total of {$3600.00} in charges on a {$4200.00} loan ). And on top of all that, I still owe more than the amount that was borrowed originally. If this is not predatory lending, then I do not know what is!
Product: Debt collection

CBE GROUP FOR XXXX PLACED A FALSE COLLECTION IN MY CREDIT FILE. NEVER HAD A ACCOUNT WITH XXXX NOR DID BUSINESS WITH XXXX. PLEASE REMOVE THIS DISPUTED INFORMATION IMMEDIATELY! THIS IS INDEED FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX XXXX  I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

one of my customers legally signed over a check to me as a form of payment in the amount of ( {$29000.00} ). chase accepted the check but is now unwilling to release the funds. chase requested the phone number of the customer so they can verify the check, and i obliged with chase 's request but they are claiming that they cant use the phone number i provided. however the phone number i provided is the ONLY phone number that the customer has. so i would like for chase to provide alternatives on how we get this issue resolved because my customer only has one phone number and chase is refusing to use the phone number that was given
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried submitting an investigation to Equifax Credit reporting agency about collections that are on my account that has been paid and that are not mines. Equifax online and over the phone dispute process will not accept the inquiries and kicks you out the system. I called and tried speaking to a live agent with no success. The hold times are continuous and no one ever picks up. This happens every time I attempt to resolve this problem.
Product: Credit reporting

My identity was stolen a few years ago and someone opened up several credit accounts in my name. I filed a police report and disputed the items with all XXXX of the major credit bureaus. XXXX and XXXX complied and removed the items from my credit. However Equifax has not and I 've been disputing the items for 2 years. They have not proven that the accounts belong to me but they refuse to remove them.
Product: Credit card or prepaid card

I purchase a case of beer from XXXX XXXX XXXX and do to health reasons I tried to return the unopened, not damaged case of beer several days later. The manager refused and I explain the reason for the return, he still refused and said there is no returns allowed. They was no sign stating that policy nor did the receipt state that. It is not state law in Delaware either. 
I disputed the charge with Bank of America, VISA. They declined the dispute and stated there was no error in billing. That wasn't even the dispute on the {$16.00} charge. Bank of America agreement states I can dispute such a charge.so Bank of America is in breach of agreement.with credit card holder.Claim # XXXX purchase on XX/XX/2019 and tried to return.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/2021 XXXXDate of Inquiry XX/XX/2021
Product: Credit card or prepaid card

" I had an Introductory 0.00 % APR on purchases until XX/XX/XXXX on a XXXX card # XXXX. On XX/XX/XXXX, I borrowed {$300.00} + {$300.00} as a cash advance, as shown below : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX On XX/XX/XXXX, I made a payment of {$610.00} to cover that cash advance because it was incurring a daily interest charge, and I did not want to be charged excessive interest on the {$600.00} cash advance. See the attachment below. However, the defendant did not honor my request and kept charging me interest even after I made the {$610.00} payment on XX/XX/XXXX. I have been charged {$12.00} on XX/XX/XXXX. The cash advance has not been cleared even after more than 3 months, providing a fraudulent opportunity for the defendant to keep charging excessive fees on a debt that was paid within 4 days of being incurred. I urge the defendant to clear the cash advance debt and uphold their promise of the 0 % introductory interest grace period. ''
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I received a text message warning from XXXX XXXX stating that my card had been declined at XXXX and to type Y if this charge is correct and N if the charge was not authorized. I typed N and was immediately called by an agent. The person verified my name and phone number, which is linked to my online account at XXXX XXXX. The agent asked me to provide the credentials for my XXXX XXXX XXXX account to prevent unauthorized XXXX transfers. Once the agent verified my information, they initiated a 7 XXXX transactions, each for {$500.00}. The reason the person gave me was to reverse fraudulent XXXX transactions. The agent took {$3500.00} from my account. Simultaneously, my husband received the same text but was in a different city. He did not respond, but called XXXX XXXX, who denied any fraud occurring on the account. Apparently the thieves knew our names, phone numbers and bank. My husband texted me while I was speaking to the imposter bank representative, who was also asking for my routing number, and I hung up the phone. I immediately called XXXX XXXX and spoke to a representative that started a claim for me and attempted to transfer me to the XXXX department, however the wait time was over an hour. Although I was willing to wait, the representative said he was embarrassed of the wait time and advised me to call the fraud department early the next morning with the phone number he provided. I spoke to the fraud department on XX/XX/2021 and the representative deemed the transaction authorized since the XXXX transfer had been sent to a Citi Bank account with my name on that account. I have no association with the Citi bank account and do not have a XXXX account with Citi Bank. The thief was able to link my name and cell phone number to their account. The Citibank website states Please note, you can only change your email address/U.S. mobile number to another email address/U.S. mobile number already on file with Citi. Your checking account linked to your XXXX profile can only be changed to another eligible checking account linked to your Citi.com or Citi Mobile profile. I do not have a Citibank checking account. I contacted Citibanks fraud department on XX/XX/2021 to report this fraudulent transaction. The Citibank agent stated that they would start a claim and conduct an investigation.