23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This card account is in partnership with a hotel loyalty program which includes a Gold elite status for having the card. I have repeatedly reached out to the hotel company directly regarding this matter and they informed me to speak to the credit card issuer which I have done as this is something that I shouldn't have to do because the benefit is automatic with just having the card product. The response from the hotel is saying the credit card account is not linked to my hotel loyalty program account however I am earning my points with the card that is being added to my hotel loyalty program account so this card issuer is not fulfilling their obligation to me as a cardholder as it relates to receiving the Gold elite  status with the hotel loyalty program
Product: Credit reporting

There were XXXX fraudulent charges placed on my XX/XX/XXXX card. My card had a zero balance for almost a year so I was n't aware of these charges, or the following late fees place on my account because of them. The email address tied to my card was old, and the credit card company ( XXXX ) did n't mail me a statement. XXXX XXXX has agreed to remove XXXX of the late fees but not all of them due to a {$39.00} membership fee that was applied to my account. Now my credit report is showing a XXXX score when I had over XXXX originally. I found out about the charges while going through a refi on my home and my mortgage lender saw it on my credit report. He advised me to reach out to you for help. I keep up with all of my other cards and debts in a timely manner.
Product: Credit reporting or other personal consumer reports

Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint. 

In my case Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Product: Checking or savings account

On the XXXX of XX/XX/XXXX I had went to my bank mobile app and noticed that there was an ATM check deposit in my account of {$2500.00} and then another one of {$1500.00}. The location of these transaction were made in XXXX CA when I live in XXXX XXXX and was working at the time. The only one that has access to this account is my son and he also lives in XXXX XXXX and was here as well. Right away they took out {$480.00}, {$2500.00} and then {$1500.00} and then {$3000.00}. I right away called the bank and they closed the case because they thought it was my son but my son does not have an atm card for that account. They opened it again and then they closed it again and then they opened it again on XX/XX/XXXX saying they will get in touch with me within 10 days and nothing ever happened. Those checks were also not in my name and not only did they take those checks money but they also stole my money that i had on that account and the bank has not done anything about it. I am currently - {$1500.00} because of it. They also closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The receptionist at said facility assured me that they were in my insurance network and that there would be no copay during my visit but 6 months later I recieved a bill for {$210.00} my lawyers have sent all supporting documents to the medical facility and they agreed the debit was settled. Please remove this from my credit report it is affecting my ability to get a job and other financial products.
Product: Debt collection

Cell phone was paid off in-store on or around XX/XX/2022 .. services were cancelled. Records should show when Id zeroed out the balance. Not sure how any additional fees were accrued. This was result of XXXX XXXX clerical error
Product: Credit reporting, credit repair services, or other personal consumer reports

The unknown inquires listed below are unknown to me and have shown up on my credit report. 
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
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 : Cushman v. TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

Ramirez 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. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX Please Remove the following Numbers : ( 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 or other personal consumer reports

Transunion, XXXX, & XXXX are reporting incorrect information on the account listed as XXXX there are several inconsistencies listed with the account which leads me to believe this account has not been properly validated or verified as accurate. 

The information that I am disputing is : Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account Rating : Derogatory Open Derogatory Creditor Type : Savings and Loan Companies Auto Financing Auto Financing Account Status : Open Open Closed Creditor Remarks : Repossession ; redeemed Redeemed repossession Auto Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The late payments that are being reported are also inaccurate. How can a late payment be late 60 days consistently? What information did you receive to determine I was indeed late with these payments? Please forward this information to me immediately.
Product: Payday loan, title loan, or personal loan

My husband XXXX XXXX XXXX XXXX 2017 after this happened I sent the appropriate documentation to the loan office which is OneMain Financial used to be called Springleaf Financial I was then told that my husband had credit life insurance and then it would cover the remaining balance of the loan and I would be mailed the titles to the vehicles. However when I asked XXXX the branch manager XXXX in XXXX office he said that he could not give me any documentation he was rude to me gave me the run-around and told me I need to get a court order to get documentation all I wanted was to handle my husband 's affairs I feel like they were unprofessional did not answer my questions I would like his account investigated and looked upon because I am doubting the accuracy of the numbers since this this loan was just modified XXXX and I 've been making numerous payments I 've been and I 'm wondering why I can not get his file nor get answers I want to look into and if needed I would like corrective action taken to anyone who has been doing unethical things on behalf of my XXXX husband and if I 'm owed money or it needs to go to an account for a trust that I want it I want to be notified. 
I believe that there is money due back to the benefactor which would be me next to XXXX please look into this matter of the utmost importance.
Product: Credit reporting or other personal consumer reports

I DISAGREE WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR RE-INVESTIGATION. I WOULD LIKE THIS ITEM TO IMMEDIATELY BE RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. XXXX XXXX XXXX ACCOUNT NUMBER XXXX. IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, SUBSECTION A-D, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ABOVE, SO THAT I MAY FOLLOW-UP. 

ALSO, I AM ALSO REQUESTING AN ACTUAL SIGNED CONTRACT ( ALONG WITH THE DATE ), FROM ME THAT ACTUALLY ENTERS ME INTO A BINDING CONTRACT WITH EITHER COMPANY ( XXXX XXXX XXXX XXXX LISTED ON MY REPORT. FAILURE TO COMPLETE EITHER REQUESTS SHOULD RESULT IN THE ACCOUNT REMOVAL FROM MY CREDIT REPORT. 

PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR RE-INVESTIGATION AND SUBMITTAL OF INFORMATION REQUESTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested debt validation for multiple accounts on XX/XX/XXXX and XX/XX/XXXX from CMRE Financial Services ( XXXX XXXX XXXX XXXX # XXXX XXXX, CA. XXXX ) for the accounts listed above. This company has failed to validate my dept per FDCP section 809 validation of debts [ 15 USC 1692g ). which states : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I specifically requested CMRE to provide the following info : The amount of the debt ; The name of the creditor to whom the debt is owed ; Provide a verification or copy of any judgment ( if applicable ) ; Proof that you are licensed to collect debts in ( insert name of your state ) Instead of CMRE Financial Services validating my dept, they have decided to not respond. Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to a verification letter.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach causing fraudulent accounts and information to appear on my credit report making my credit decrease tremendously. 

XXXX XX/XX/XXXX inaccurate information XXXX  XXXX XX/XX/XXXX fraudulent account hard inquiries -- -XXXX XXXX XXXX XXXX  XX/XX/XXXX consumer portfolio sec XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This started on XXXX XXXX XXXX. I started to get calls about owing money to XXXX XXXX XXXX. I switched over to XXXX back in XXXX. I payed off my old phone with XXXX XXXX XXXX the same year. Fast forward to XXXX XXXX XXXX. I received a call from XXXX XXXX XXXX XXXX. They said I owe {$200.00} to XXXX XXXX XXXX. I did pay once and I thought it was over. I got called again with roughly the same charge of {$200.00}. I was surprised the XXXX XXXX XXXX phone company did n't contact me via email on the matter. When I tried signing into my old XXXX XXXX XXXX account I could n't. I tried to reset my password too and the email was wrong when I knew it was right. So since I 'm not with XXXX XXXX XXXX anymore the account was removed. How could I owe money to a company when I do n't have an account with them anymore? I also received other debt collector calls from similar numbers. The following is the list of numbers all pointing to this company : XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX The company name is Diversified Consultants. I keep getting harassed by them almost daily now. Can you please help? Thank you in advance. Have a good day.
Product: Credit reporting, credit repair services, or other personal consumer reports

We reserved and paid {$3100.00} dollars to XXXX XXXX XXXX XXXX , XXXX on XX/XX/2018 for out 15 days tour to XXXX starting XX/XX/2018. XXXX XXXX XXXX went bankrupt after its licence to do business in XXXX was cancelled and we never got the services we paid for. We requested several times with our credit card provider Citi Cards to reconsider our claim to get our refund, but Citi Card rejected and closed the claim. My two sisters in law was going with us in the same tour date, but purchased the tour with a different credit card company and was fully refunded with out any issues, delays or problems.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I purchased a XXXX XXXX XXXX from a web site called XXXX XXXX XXXX. This web site shut down after they received my money. I sent a deposit of {$10000.00} cash to a Bank of America business account on XX/XX/XXXX. I sent the final payment of {$25000.00} cash to the final invoice account info supplied by the company to the bank of America business account for them. They called me and said it would be delivered in about 5 days. The truck driver who was going to deliver it called me the next day and said he would be dropping it off on XX/XX/XXXX or XXXX. I never heard from them again. they never answered their business phone number, which is XXXX, or the truck drivers phone number which is XXXX. I see now that during the supposed delivery time, they cleared my money from their criminal bank account and closed the accounts. Bank of America totally protected these criminals with their fraudulent accounts and ignored my pleas to freeze them untill this issue was resolved. The accounts were at a fraud address that was empty and belonged to someone else. The so called business address was : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Illinois, XXXX. The business accounts were registered in California. The web site that hosted their con job was call XXXX. They would not give me any info on the owners. Please help me. Bank of America allowed a criminal activity to have a scamaccountwithno accountability for their crime spree.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} 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  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$29000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report from  XXXX  and   XXXX   showed an account from  XXXX   XXXX  that is NOT mine. The account was deliquent and affecting my credit. Could not open a bank account. I disputed it over 45 days ago and got an email from  XXXX  stating it was deleted. I tried opening a secured credit card with  XXXX   XXXX  but got denied because of the misinformation from credit bureaus stating that i have deliquent account which is not mine
Product: Bank account or service

I had opened a XXXX bank account back in XXXX using promo code XXXX. This promo code granted you XXXX thank you points after you make at least XXXX bill payment for two consecutive months within 60 days of opening your account. The bill payment has to be initiated from your online account at citi.com using their own bill payment system and it has to be an external bill. 

When i called citi to open the account i told the rep about my code, and he said it should not be a problem. He informed me it would be easier to fill out the application online. I did this, and submitted the code for the promo. Fast forward to XXXX, i have met the requirements, and confirmed with custer service chat rep ( see attached ) they inform me the points will post sometime in XXXX. I send a message to citi askign when my points will be deposited as it is now XXXX. They do an investigation, and tell me since i was not targeted for the offer i will not receive the points, even though a representative from their company told me i would. 

I have since been paying XXXX a month for this bank account, and they refuse to honor the promotion. I am seeking the XXXX Citi thank you points.
Product: Credit reporting

This XXXX account does not belong to me. This account belong to my ex partner, this was a business loan that he opened, I was the owner of the company, however, I never personally sign a guarantee for this account. All of the sudden, after he defaulted, this account appeared on my credit report. In the past, Experian removed the account, but it was then reported on the report without prior notice. According to the FCRA, FACTA, they were supposed to send me a 5 day notice reinserting the account, however that was never sent. As I was in the process of purchasing my home, this account appeared again, and I was declined for the home loan. This account has cost me suffer, and a lot of money, knowing that it is not mine. In addition to that, section 623 of the FCRA requires the CRAs and furnisher, to reporting accurate information, this account is definitely not accurate, the dates dont match up, and the balance is also incorrect. I dont know what else to do, please help me remove this account from my report.