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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX Account # : Unavailable Original creditor XXXX 

I looked at my transition credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information.

( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to nor 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

XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Content of Complaint this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, Block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists XXXX XXXX Open Date XX/XX/XXXX Account # XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX Account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO credit report. All of the aforementioned account, Collection are the result of identity Theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account and Collections are the result of identity th
Product: Credit reporting, credit repair services, 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 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 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 card

XX/XX/year> Requested a new credit card and balance transfer of close to {$5900.00} with Discover. 

Approved for a credit line of {$2000.00}. 

Called the company to cancel my balance transfer since my credit line was less than the balance transfer request but was notified that they could not do it because it would take 48 hours to get me in the system, but I was notified that I would have two weeks to cancel the balance transfer. 

I did not agree to the terms and conditions on the discover website once I found out that my credit limit was less than the balance transfer request, but my credit card request was processed anyway. 

XX/XX/year> Called to cancel the balance transfer within the two-week window but I was told that the balance transfer was already processing and that it couldn't be canceled. I do not approve of this balance transfer, and I wanted to cancel it.
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need IMMEDIATE ASSISTANCE I have been going back and forth regarding these two accounts for over a year. I am not liable for the debt of XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ( {$1200.00} ) and XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$510.00} ). I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested with my wet signature etc or even with proof of the validation of debt. I sent multiple request seeking validation from Transunion and XXXX none sent back VALID proof. In addition, you are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance.15 USC 1681 ( i ) This is inaccurate reporting and needs to be removed immediately. XXXX and XXXX was unable to verify the debt and it was immediately deleted. I'm curious as to why Transunion still reporting without proper validation. This has been over a year I demand this to be deleted immediately. Please see all proper documentation even the inaccuracies that was reported to Transunion!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is fraudulently trying to bill me {$5700.00} They sent me a letter. The XXXX  account number reflecting is XXXX I conclude this is identity theft or have me confused and mis-shuffled my XXXX who is XXXX XXXX. I called and spoke with reps. Made MANY attempts to remedy the situation to much dismay. 

XXXX is known for taking on false accounts, and renewing fraudulent judgements which they did this to me using my fathers identity.THey served that at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I don't work there, my father does. 

These crooks make a living trying to collect frivolous money at the detriment of others. 
THey are investigated by the FBI and have been on the newspapers by journalists on XXXX. THere main corporate I believe is in XXXX. THe office trying to bill account XXXX is in XXXX XXXX -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Vehicle loan or lease

Returned lease XXXX BMW XXXX XXXX XX/XX/XXXX. I had to sign for returning the vehicle. I was not shown the inspection results. I signed and expected to pay only extra mileage and a return fee. 

I was told I didn't need to pay now. I would receive a bill from BMW. 

A few weeks later I received a bill of XXXX for wear and tear, tires, damage, mileage, and return fee. 

The tires were within the limits, the wear and tear were within limits and the damage was within the circle. 

I do not owe what they are claiming.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Subject : Dispute of Inaccurate Information on Credit Report XXXX XXXX and FCRA Violations Dear Sir/Madam, I am writing to formally dispute inaccurate information on my credit report in relation to the following account. I believe this account contains errors and violates both the XXXX XXXX requirements and the Fair Credit Reporting Act ( FCRA ). 
Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX # # # Specific Issues and Violations : 1.Incorrect Status and Date Discrepancy : - The account is listed as a " Collection account '' with a past due amount of {$490.00} as of XX/XX/XXXX. However, the " Date Opened '' is listed as XX/XX/XXXX, and the " Status Updated '' date is XX/XX/XXXX. This inconsistency violates the XXXX XXXX, which requires accurate and consistent reporting of dates and statuses. 
Under the FCRA ( 15 U.S.C. 1681c-2 ), furnishers must provide complete and accurate information. This discrepancy suggests inaccurate reporting. 

2.Balance and Past Due Amount - The balance and past due amount are both listed as {$490.00}, but there is no clear explanation of how this amount was calculated or why it is past due. This violates the XXXX XXXX Format, which requires detailed and accurate reporting of balances and payment history. 
The **FCRA ( 15 U.S.C. 1681s-2 ) requires furnishers to investigate and correct inaccurate information upon receiving a dispute. The lack of clarity here suggests a failure to comply with this requirement. 

3. Terms and Payment History : - The terms are listed as " 1 Month, '' which is unusual for a credit account and incorrect. This violates the XXXX XXXX Format, which requires accurate reporting of account terms. 
Additionally, the 24-month payment history is listed as " Data Unavailable, '' which violates the XXXX XXXX Format requirement to report a complete payment history. 
4. Paid Off Status : - The account is listed as 0 % paid off, but there is no history or explanation provided for this status. This violates the XXXX XXXX Format, which requires accurate reporting of payment statuses. 
5. Failure to Address Dispute : - The report mentions that the account information is disputed by the consumer, but there is no follow-up or resolution noted. This violates the **FCRA ( 15 U.S.C. 1681i ), which requires credit bureaus to investigate and resolve disputes within 30 days. 
Request for Action : I am requesting that the following actions be taken : 1. Conduct a thorough investigation of the disputed items in accordance with the FCRA and XXXX XXXX guidelines. 
2. Provide a detailed explanation of how the balance and past due amount were calculated. 
3. Delete any inaccurate, incomplete, or unverifiable information. 
4. Provide me with a corrected copy of my credit report once the investigation is complete. 
Under the FCRA ( 15 U.S.C. 1681i ), you are required to investigate my dispute within 30 days and provide a written response. Failure to comply with these requirements may result in further legal action.
Product: Checking or savings account

On XX/XX/2023 my card was used 23 time at XXXX I call the bank to dispute the charge. I have filed the claim 4 time and have been denied. I didnt make these charges I have sent an appeal letter 3 time. 2 time via fax and the other via email. They keep saying they havent received the information. I have attach the appeal letter to this claim. I didnt make these charges and the bank refused to dispute these charge with The merchant XXXX. Im getting the running around from Citi bank. I also requested the information from their Investigation. But all I have received is the letter saying that Im responsible for these charges. Total of {$7800.00} in 2 hour was spent on XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit reports and have found inaccurate information on my credit reports. Below is the collection agency reporting on my reports. This account does not belong. I called XXXX XXXX and they gave me the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. I have never lived at this address. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Original Creditor Name XXXX
Product: Debt collection

Second card on credit account was opened in my name without my knowledge. Contacted credit card company to inform them I did nit authorize nor utilize credit card. The card was charged off to a debt collection agency and I was not informed of the garnishment of wages and currently pursuing fraud dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, On XX/XX/2023, we ( XXXX XXXX and I. I was a co-signer on the loan ) settled for less than our original balance of {$4800.00} through XXXX XXXX. The amount agreed upon was {$2000.00}. The payment was received by XXXX who then released the funds to XXXX. This account is now settled and closed, however is showing as open and even that the payment is late on my credit report ( s ). This is showing up on BOTH my Transunion and my XXXX. We are in the process of buying a home and this could be detrimental to that process. I have called both companies, XXXX ( debt collector ), and XXXX the original creditor. I have now filed disputes with TransUnion & XXXX 3 separate times. The first two times there was no change, the third is still under investigation. Considering that this debt is now settled and the loan is NOT open ( or late! ), I would love to have this information updated on my credit report ( s ). 

I understand that XXXX XXXX stated that the debt will not be fully deleted, however I have been advised by several people at their company that it should be listed as a charge off, settled for less and NOT and open account ( which now has a late payment!! ) We have worked so hard to rebuild our credit and to finally be able to buy a home for our XXXX XXXX. The fact that we settled this debt and it is showing up incorrectly on my report ( s ) is highly concerning and I wish for them to update them to show the loan as closed, and then update it to charge off- settled for less. For my trouble of having to dispute this now 4 times, if they wanted to do a full delete- that would be even better! 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX. Equifax. 

Multiple dates and occurrences I have shop for an auto loan, several different times, and within the 14 day. They never lumped those all under one inquiry rather each inquiry within the 14 day period has been reported as one individual per creditor resulting in numerous and an exuberant amount of inquiries on my credit report not only that Equifax and experience, both have input inquiries on my credit report from themselves on hundreds of different occasions as XXXX XXXX is refusing to give me a copy of my credit report. All of these things can be verified in the documents that I have uploaded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis continues to violate my consumer right with fair accurate reporting. They also listed another persons ssn, account numbers and account information, outdated information, information not belonging to me, information pass the statute of limitations and fraudulent accounts. I spoke with a supervisor on several occasions with no resolve from XX/XX/2022 until XX/XX/2022.
Product: Checking or savings account

I have a checking and a savings account with Capital One. I have not used these accounts much in the last few years, as I spend most of my time outside the United States. Recently, I received some payments into the account, after providing the account number and ABA routing number to a friend who owes me money ( from a loan I made to her during the lockdowns ). Capital One has now blocked the account, but did not provide any information about the reasons for this in writing or by email. When I called them, after being on hold for more than 15 minutes, they told me that they believe there is something suspicious about the payments received in my account and that they will close the account, without paying out the balance of almost {$2400.00} in the account. I was of course shocked by this and asked them what I had done wrong - but they could not give me an answer. I then asked if they would communicate this decision and their reasons for it to me by email or in a letter ( with a strong preference for the former, as we are in the 21st century ), but to date they have done neither. This leaves me in the situation that I have a substantial amount of money sitting in an account, but can not access it and do not know what I have supposedly done that would justify this decision on the part of the bank. 

To me this feels as if the bank has stolen my money, without providing any valid reason for doing so and without even communicating this decision or any reasons to me in writing. Surely that is not possible?
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report due to my being a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any accounts or inquiries related to fraudulent activity blocked from my credit file. 
Please remove the following accounts from my credit report : Accounts : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} Inquiries : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureaus ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately.
Product: Debt collection

Hi, I am writing to formally complain about SEQUIUM ASSET SOLUTIONS regarding the handling of a disputed debt. I previously contacted the company to dispute the debt on XX/XX/year>, as I had already paid off the balance in full at the time I moved out from XXXX XXXX in XXXX. Along with my dispute, I provided a balance sheet showing a XXXX balance. 

Despite this, the company has added the debt account to my credit report without providing any response or additional information to me. This has placed me in an unfair position and I believe the company 's actions are in violation of the law. 

I respectfully request that you review this matter and take immediate action to resolve it, including removing the inaccurate debt from my credit report. I also expect a formal response explaining how this situation occurred and what steps will be taken to rectify it. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

There are accounts that were opened and operated by someone else located on my credit report. I have no knowledge of who has opened the accounts that are located on my report. There are three accounts that are listed fraudulently and incorrectly ; one account is XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX. I have disputed this account on 3 separate occasions, the fraudulent account still remains on my credit report. 

Another account that is fraudulent on my credit report is XXXX XXXX XXXX XXXX, fraudulently opened on XX/XX/XXXX. I have disputed this account on 3 separate occasions as well, the fraudulent account still remains on my credit report. 

The remaining fraudulent account on my credit report is from a collection agency called XXXX XXXX, this account was fraudulently opened on XX/XX/XXXX. I have disputed this account on 3 separate occasions as well, the fraudulent account still remains on my credit report.
Product: Checking or savings account

On XX/XX/2018 went to Chase Branch executed check claim for {$100000.00} tendered to XXXX and my public adjuster XXXX. I was advised the claim check was going to be deposited into my account in 2 days. 

On the XX/XX/XXXX the funds was cleared and on the XX/XX/2018 I  discovered my funds was debited from my account without my permission. 

On the XX/XX/2018 I received a suspicious call from a 5 digit number unrecognized twice and answered. 

A young lady said she was from Chase claim department and my money was taken back out of my account. 

I inform the individual that I was advised before signing over the funds to Chase that the funds would be deposited into my account in two business days and that I had outstanding checks out their and needed to take care of my business. 

I informed Chase I did not authorized anyone to go into my checking account only to make the deposit at the branch downtown on XXXX XXXX XXXX XXXX Il Now Chase also took all of my money I had prior and after the deposit of {$100000.00} in the amount of {$3100.00} that since XX/XX/2018 and that money was stolen from me by Chase and have a overdraft fee too. 

I told the Chase rep XXXX that I was not paying off my {$33000.00} mortgage and they said I did not have too. 

I was told the entire {$100000.00} would clear in two days and I directed the funds to be deposited into my acct that I gave to XXXX. 

Now I contacted the Chase and my money is still not in my account and I dont trust them because they took my money out of my account with my permission. 

I informed them onXX/XX/2018 I had outstanding checks and instead my money was stolen from me and I was scammed in endorsing the check and have bounce checks and fees. 

I dont trust Chase anymore because they are going to get me into alot of trouble bad credit and killed taking my money out of my account. 

I am very disappointed with this kind of behavior and conduct. Now I have {$80.00} in my account can not take care of my business.