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

Hi. I have sent many different verification letters to the credit bureaus in regards to the inaccuracies across my credit report. I told the credit bureaus that there are inaccuracies in names, addresses and companies that I did not recognize as well as inaccuracies in the dates across the board. All of the credit bureaus, for the last XXXX months have verified this information. Until this day none of the dates are aligned so how can you say you verified the information. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX ( not all account numbers are accurate board, XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting duplicate as well ), have violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not funrish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to receive my credit reports from the following credit reporting agencies and was told that no information was found.
Product: Credit reporting or other personal consumer reports

There are inquiries from this company that I didnt make this is Fraudulent
Product: Credit card or prepaid card

On XX/XX/2022, I purchased a XXXX ' gift card in the amount of {$75.00} for a family member as a XXXX  gift from XXXX in XXXX XXXX, MI. Unfortunately, the card was never received and therefore was never utilized by the recipient as the XXXX delivery system was not operative. I spoke to the XXXX at XXXX who although, he was able to pull up my receipt and could clearly see status of the purchase via XXXX XXXX XXXX, he informed me that I would just have to take a loss or contact XXXX  to obtain a refund or get another gift card reissued because it is a XXXX card. I contacted XXXX who told me that I would have to contact XXXX as they are the ones who received payment for the gift card and would have to refund me. 

Each company is telling to contact the other and I am not getting a resolution. Please help. I will NEVER purchase a gift card from XXXX!
Product: Checking or savings account

My card number was stolen and used for several transactions, I reported the transactions to my bank but they have not refunded me for the fraudulent transactions. 
- XXXX XXXX XXXX - {$20.00} XXXX XXXX GA - {$330.00} -XXXX *XXXX XXXX XXXX {$660.00XXXX XXXX XXXX XXXX XXXX DE - {$11.00} XXXX XXXX XXXX DE - {$160.00} -XXXX XXXX XXXX XXXX DE - {$71.00} -RXXXX XXXX XXXX XXXX DE - {$30.00} -XXXX XXXX XXXX XXXX {$50.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid mortgage with a check. XXXX would not accept my check because it was not the exact amount due. They did not tell me they would not accept the check. XXXX eventually mailed me back my check and marked me as a late XXXX I paid early with a check. I tried to pay more than my current mortgage payment to lower the debt. XXXX did not cash the check. XXXX mailed the check back a month later with a letter stating o can only mail check for exact amount due and Im not allowed to pay ahead. They took too long to tell me causing me to pay pay after due date. They should have cashed my check or called or sent check back earlier. So now I have a late payment showing XX/XX/2017. I should not have that. I tried to pay and pay ahead.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

XX/XX/19 -Disputed incorrect data on my accounts with XXXX  , they failed to verify and correct errors on my credit file. No proof provided to me.

XX/XX/19-same as above.

XX/XX/19-same as above accounts : XXXX duplicate accounts XXXX  account XXXX doesn't belong to me XXXX  XXXX incorrect data XXXX XXXX duplicate accounts XXXX XXXX  incorrect data XXXX XXXX XXXX XXXX XXXX XXXX incorrect late pay and data
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an incorrect address that appears on my TransUnion credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you remove the following incorrect address from my file as it is not associated with me and may lead to potential confusion or misrepresentation of my credit information. 
Incorrect Address : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please note that I have not resided at or used the above address in any capacity, and I am concerned that its presence on my report may affect the accuracy of my credit file.

As required by the FCRA, credit reporting agencies are obligated to ensure that only accurate information appears on consumers ' credit reports, and I respectfully request an investigation into this matter. 

Please complete the necessary investigation and provide written confirmation that the incorrect address has been removed. I trust that you will treat this request with urgency to ensure the accuracy of my credit file. 

Thank you for your attention to this matter. I look forward to a prompt response confirming the removal of the erroneous information from my report. 

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

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 2 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, This is about the inaccuracy that has been furnished by your organization on my consumer report. I found this inaccuracy on XX/XX/2021. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following : *My RIGHT as a consumer to extend credit From my research, according to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I am putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. 

As a result, my livelihood has been adversely affected and has caused me a great deal of stress in already difficult times! There is no such law that states that anything must be reported to a consumer agency. Therefore, your organization is liable! 

Also, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Your organization exercised its responsibilities neither with fairness and impartiality nor protected my RIGHT to privacy. 

I also request that you give me a piece of evidence to show that the information which is being reported has been properly investigated. Provide me with details of the system that your organization used to determine whether the transaction took place or not. 

According to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I demand you do the following ; *Remove account XXXX XXXX XXXX XXXX LLC # XXXX from my consumer report and ALL remarks. 

*Remove account XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumer report and ALL remarks. 

Upon further research 15 USC 1681n states that each violation for willful noncompliance is {$1000.00} per violation. 

I hope these accounts are removed swiftly after months and months of my reputation and character being ruined! 

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

Credit Dispute Timeline Summary for CFPB Complaint : Initial Dispute ( XX/XX/XXXX ) : Disputed XXXX accounts with the credit bureau. 
No consistent or adequate responses received, violating the 30-day response window mandated by the Fair Credit Reporting Act ( FCRA ). 
Follow-Up Dispute ( XX/XX/XXXX ) : Submitted a dispute with 6 months ' worth of previous dispute letters. 
These letters documented repeated requests for the credit bureau to conduct a reasonable investigation and to provide responses under consumer law. 
Consumer Law Violations Noted in Disputes : Failure to Conduct Reasonable Reinvestigation ( 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ) : Requested verification of disputed accounts and proof of reinvestigation, but the credit bureau failed to provide evidence of any reasonable investigation, including verification with the furnishers and contacting relevant parties. 
Failure to Notify Furnishers of the Dispute ( 15 U.S. Code 1681i ( a ) ( 2 ) ( A ) ) : No proof was provided that the furnisher was notified of the dispute within the required 5 business days, violating the statutory requirement for notifying the furnisher of a dispute. 
Failure to Provide Verification or Delete Inaccurate Information ( 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ) : Disputed accounts remain on the credit report despite being inaccurate and unverified. The credit bureau failed to delete or modify inaccurate information as required by law. 
Damaging Inaccurate and Incomplete Information ( 15 U.S. Code 1681e ( b ) ) : The continued reporting of unverifiable and inaccurate accounts is damaging the my credit score, hindering access to credit, loans, and services. This violates the requirement for " maximum possible accuracy '' in consumer reports.

Request for Detailed Procedures ( CFPB Consumer Rights Website ) : Requested specific details on how the credit bureau conducted their investigation, including timelines and procedures, as required under the FCRA and noted on the CFPBs consumer rights website. There has been no response regarding these procedures. 
Summary : The credit bureau has repeatedly failed to meet the legal requirements for handling disputes under the FCRA, causing lasting damage to the consumer 's credit and financial reputation. Despite numerous attempts to resolve the issue and clear inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank credit card I have reported that my credit card is not on file with all three credit bureaus esp. Transunion credit bureau. There was no dispute of any kind with Citibank. Two decades of open credit history is completely vanish from my credit report with Transunion, Experian and XXXX. I open my credit card back in XX/XX/XXXX. I contact Citibank credit card to report the problem and was not successful with speaking to the department who deals with this sort of issue. I was told by Citibank credit card representative that the department who handles these sort of things does not have a number where I can contact them and speak to someone over the phone they only had a fax number. I fax that department on XXXX, XXXX and XXXX of XXXX. I have reported enough information and made a full statement to Citibank three times this year. I mail a letter to them with my private information credit card number, last 4 digit of my SSN, full address and telephone number and email. I have yet to get a response from Citibank concerning this very important issue and here we are in the month of XXXX. No Word From Them What I will like for consumer financial protection bureau to do is run a compete investigation on Citibank credit card to see why my credit card is not on file with all credit bureaus. This matter have taken me by storm because my credit score has drop below 600 because my credit report shows I have NO CREDIT. Right now it shows I have no credit at all which put me at bad credit because 20 years of credit history with Citibank has vanish from my credit report. My main concern is for Citibank to REPORT my credit card to XXXX, XXXX and XXXX each month and show proof that each credit bureau show my credit card with Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I wrote to you to inform you that you are reporting inacurrate information of about me on my credit reports. You claim that your clients XXXX, XXXX and XXXX both have the right to report an unknown and frauduently opened account on my never before used credit. I have not yet had the opportunity to use my credit and some one has opened an account that you and these companies have verified as owned. I wrote to both of these companis and requested full validation made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act along with the corresponding local state laws. 

My request to the bureaus XXXX ; XXXX XXXX and Equifax that I require validation that is competent evidence bearing my signature showing that I had some contractual obligation to pay. 

These collection companies have been reporting a frauduently opened account to the ( 3 ) reporting bureaus for nearly ( 2 ) yerars and have paid no attention to my request to validate because the information is incorrect. The collection agents have taken it upon themselves to continue to knowingly provide incorrect information about me to the credit bureaus and the credit bureaus will be delivering false information if they reply that this account is verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had one and only one item on my credit report which was already taken care of. My score should have improved. But SyncB inquired on my credit without me knowing and because of them my score dropped from the 520s straight to XXXX! Please help me put a stop to these idiots as I am definitely NOT THE FIRST person who's credit score they've ruined with their sneaky XXXX. Please help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts reporting on my credit file as a result of identity theft. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX The following Inquiries was not authorized by me : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, Incorrect Names : XXXX and XXXX Incorrect Addresses : XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

Hello, I submitted a payment to Bank of America for my XXXX  XXXX credit card through my credit unions billpay on XX/XX/XXXX for {$700.00}. On XX/XX/XXXX, Bank of America debited my checking account on file ( from previous payments ) without my authorization for {$700.00}. I called Bank of America to notify of the error and dispute to have this double payment/double debit to my account resolved. I was notified that I would receive a credit/refund of this double payment in 5-10 business days. in this process, my credit union memo-credited me {$700.00} in the meantime until the refund was received. XX/XX/XXXX, 7 full business days later there was still no credit from Bank of America so I called to confirm of refund of double payment. Was notified by a separate employee that I did not provide a checking account number so no refund would be issued. I notified the employee that in my previous call on XX/XX/XXXX that providing an account number for refund was not given to me as an option. I was notified a check would be mailed within 5-10 business days. Gave employee checking account number for credit to once again be credited back to me from double payment made on Bank of America 's behalf without my authorization. Was notified this time, that the credit would be issued within 15 days ( by the latest date of XX/XX/XXXX ). My bank retracted the {$700.00} memo-credit to my account so I have still not been credited back for an un-authorized debit to my account by Bank of America for a double payment to this credit card account. This is a violation of my rights as a financial consumer as well as a Federal Regulation E violation. Regulation E ensures that the day a consumer ( myself ) verbally notifies the financial institution they have 10 CALENDAR days to notify of resolution with an absolute maximum of 45 days IF provisional credit has been made and I received error resolution notification within 2 days. This is a disgrace as a provider of financial expertise as well as a disgusting practice. It has now been 27 calendar days since my original notification of error with zero resolution from Bank of America and I have now been shorted {$700.00} wrongly with no sight of resolution.
Product: Checking or savings account

During or shortly after XXXX of 2004, a bank account I held jointly with my father was frozen by Bank of America. At the time, I was alarmed to find the account listed a {$0.00} balance. I was informed by the bank that the balance, {$3100.00}, was frozen, not missing. My repeated requests for a copy of the order from the bank freezing the funds have never been met. There was a guardianship action in play, but that court had no record of issuing such an order. To date, I havent been told where I could appeal the order. Almost 20 years later, the bank sent a check for the {$3100.00}. I would like to be paid interest on that money.
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 Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX 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

You have listed an inaccurate Chapter XXXX-Bankruptcy record on my credit file, therefore I am filing this dispute of the Chapter XXXX-Bankruptcy Information that you are providing under FCRA 611 ( a ) ( 7 ) that specifically requires a description of the procedure used by your agency in providing and obtaining this particular Bankruptcy record, including if this was obtained by a third party Information Broker and sold your firm. I want to see that the public record information that you are providing is Metro-2 compliant and contains the required complete personal identifiers. I have been advised by my family attorney that your credit reporting agency is required by the National Consumer Assistance Plan provisions to ensure that each public record does not create a MIXED file circumstance which I believe has happened in this case. Here is the erroneous record you are reporting. US BANKRUPTCY COURT-XXXX. I appreciate your time and attention to this matter.
Product: Credit card

On XX/XX/year>, I reached out to First National Bank of Omaha about fraudulent purchases made on my XXXX XXXX XXXX. FNBO replied that the transactions were legitimate. I didn't authorize and of the fraudulent transactions listed 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 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: Bank account or service

Wells Fargo Bank, is currently holding roughly {$2500.00} from me for about 1 year now. They told me they were holding my money because XXXX checks I deposited did not match. These checks were written and signed by my mother. My mom is willing to do whatever it takes to have this resolved as they are holding {$2500.00} from me which I could be using for college tuition. Wells Fargo then closed all my accounts with them. My dad was a joint owner on the account as to I was only XXXX at opening. Both mine and his name are black listed at this bank. 
The checks were cashed by Wells Fargo, and they were cleared by the bank they were written from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my file and were found in my reports with Transunion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX