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

The Current address is not accurate. Please help and fix this. Inaccurate previous address. Requesting for an investigation. 
XXXX XXXX : XXXX : XXXX XXXX : The field is inaccurate and inconsistent with fields from other bureaus. Please investigate and correct the item. Last Verified : A potential discrepancy in the credit report is evident as it doesn't align with other reports. Please verify this, and if necessary, amend it. Date of Last Activity : Possible inaccuracies are present in the credit report for this field. Take the necessary steps to resolve the issue that has been raised. Date Reported : I'm contesting the information in this field because I need you to follow the law and ensure that it is currently 100 % correct, even when it seems to be different from the other bureaus. Please conduct your research and provide me with updated facts. Date Opened : The data reporting for this field poses an issue due to its inaccuracies. Eradicate all mistakes. Closed Date : There appears to be an error in this segment of my credit report as it contrasts with other reports. I kindly request you to examine and address the matter in question. Account Rating : The field provided is misleading and does not align with the reports from the other bureaus. Please ensure that you thoroughly inspect and remedy any errors. Comments : Possible errors exist in this field located on my credit report. I demand that the cited problem be resolved. Account XXXX : This field evidently has issues that need resolution. I'm insisting on the immediate amendment of this item. 
XXXX XXXX XXXX XXXXXXXX : XXXX XXXX : Given the way the credit information is presented, it is deemed imprecise. Make the necessary adjustment as soon as possible. Date of Last Activity : The credit report displayed a field inaccurately, differing from reports of other bureaus. Investigate the information in question and correct accordingly. Date Opened : The field 's information is misleading because it is inaccurate. Correct this field. 
Under the FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy its been over 30 days with the dispute theyve Violated my rights and I would like these deleted.
Product: Debt collection

I have asked for Validation of the debt through a certified letter to the company. I have yet to receive any kind of validation however I am receiving letters and phone calls concerning a debt that I do not owe.
Product: Credit reporting or other personal consumer reports

I was the victim og ID theft due to recent data breaches. I have disputed these inquiries with equifax to no avail, the refuse to remove these. They violate federal law by not deleting these. I am filing a complaint with the FTC against this CRA as well. 

See the attached image for more detail Fraudulent inquiries are as follows : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

My name is XXXX XXXX. I am writing regarding my Citibank claim number XXXX. I have had my checking account number XXXX and savings account number XXXX at Citibank for over 18 years and have always been responsible in the way I manage my accounts. For as long as I can remember, I used the Citibank XXXX Ap on my phone as a way to conduct business with the bank. On XX/XX/XXXX, while at work, I noticed that the screen on my phone turned black and then my phone went dead. Later that evening I tried to see what was wrong with the phone when I noticed that the Citi XXXX Ap said my accounts had just a few dollars in them ( which was not possible because I had almost {$18000.00} in the savings account for over 2 years ). Upon further investigation, I learned that {$17000.00} was transferred from my savings account to my checking account and then wired to a person named XXXX XXXX at XXXX XXXXXXXX XXXX  XXXX to an account ending XXXX. Since I am the only person on the account, I did not send the wire and I do not know anyone by the name of XXXX XXXX I realized my phone had been hacked and someone stole my life savings. 
I immediately called Citibank and told them what had happened and asked them to please stop the wire transfer as it was not authorized by me. They stated that I need not worry and that the money would be back in my account within 5 days. After several weeks of not hearing anything or receiving the money, I called Citibank again and they said they could not do anything further until I filled out an unauthorized wire transfer form. I ran to the bank that day ( XX/XX/XXXX ) and completed the form ( attached ). I was then told that I could expect the money to be back in my account within 60 days. 
After waiting 3 months, I received the attached letter dated XX/XX/XXXX stating that Citibank would not be returning my stolen money because I did not take adequate steps to safeguard my account. I have had these FDIC insured accounts for almost 20 years and nothing like this has ever happened before, I did not lose the phone as it was always in my possession and the Mobile Ap/Accounts that were hacked are managed by Citibank so how can they say I was the one who did not safeguard the account? I feel that I am a victim that is being treated like a criminal. I am a hard-working, honest, single woman with a son that happens to be a minority. I have been unjustly put in a situation by Citibank where I have had to borrow money from family in order to pay my bills and feed my son. I work very hard for my money and sincerely would never do anything to jeopardize my account. Loss of this money has really put me in a horrible financial bind and I did nothing wrong to deserve this treatment from Citibank. As a result, I respectfully ask that you please intervene on my behalf and work with Citibank to return the {$17000.00} that was stolen from my FDIC insured savings account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. These are the accounts that I've marked as inaccurate : XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX  {$1200.00} XXXXXXXX XXXX XXXXXXXX {$730.00} XXXXXXXX XXXX
Product: Debt collection

On XX/XX/2021, received a letter from Unifin , INC, that stated that XXXX also known as XXXX, would settle a debt for {$5800.00} for the amount of {$2600.00}. 

OnXX/XX/2021 I gave them my credit card for that amount, which they immediately, pulled out of my account. They said I would have an email receipt within 24 to 48 hours. They gave me a confirmation number XXXX. 
I never received this receipt. 

On XX/XX/2021 I called again, was told the same thing and was told if I didn't received by the XXXX of XXXX to call back. 

I called back on the XXXX of XXXX and was told again it would take 24 to 48 hours for them to send the receipt. 

In the meantime XXXX is refusing to remove the account from the credit bureaus ' because they say they have no record of the account being paid. 

Since they are refusing to send the email, I have to assume that they took my money under false pretenses, which is theft. 




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

Accounts on my credit report are not mine and have not been verified by the credit bureaus.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint Regarding Experians Sham Investigation into Incorrect Credit Report Information To Whom It May Concern : I am writing to formally express my deep concern and dissatisfaction regarding Experians failure to address inaccuracies on my credit report and their repeated sham investigations into the matter, as referenced in the recent CFPB lawsuit against them. 

Specifically, I have disputed a 30-day late payment reported by XXXX XXXX XXXX XXXX for XX/XX/year> on multiple occasions. This dispute has been escalated several times through the CFPBs complaint platform, with my most recent complaint ( Complaint ID # XXXX ) being closed without resolution or the correction of the error on my credit report. 

My previous complaint was thorough and included detailed supporting documentation demonstrating that the reported information is incorrect. Additionally, I cited the specific code violated by XXXX XXXX, 12 CFR 1026.13 - Billing Error Resolution, which mandates : 1. Creditors may not take collection action or attempt to collect disputed amounts until the issue is resolved.

2. Adverse credit reporting regarding the disputed amount is strictly prohibited.

3. Creditors may not accelerate debt or restrict an account based on the consumers good faith exercise of rights under the regulation. 

Despite this, Experian has continued to report inaccurate information, thereby allowing XXXX XXXX to violate the protections outlined in the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1026.13. 

I am now deeply concerned that Experian has conducted sham investigations, as alleged in your recent lawsuit, by failing to adequately review the disputes or address the underlying violations. This ongoing inaccuracy has had significant consequences on my credit standing, potentially threatening my access to credit, housing, and employment opportunities. 

I urge the CFPB to thoroughly investigate Experians handling of this matter and ensure that my dispute is properly reviewed and resolved in compliance with federal law. This includes requiring Experian to correct the erroneous late payment reported by XXXX XXXX XXXX XXXX and ensuring such practices are prevented in the future. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit card

There are over {$1000.00} of charges made on my credit card in XXXX 2023 in California. I live in Ohio and do not know anyone in California nor have I traveled to California. I contacted Citi Bank to file a dispute and on 3 occasions they have reopened my case then dismissed my complaint and tell me Im responsible for paying the fraudulent charges. I provided Citibank copies of my time sheet at work proving I was at work in Ohio at the time the charges were made in California and I have provided my bank statement to prove I was in Ohio where I had made purchases on my debit card at a local grocery store and gas station. I continue to get late notices that my bill is past due and calls that my credit will be ruined. I have not made even the minimum payment due because my credit card balance should be {$0.00} as I have not used the card in question and can not even find the card.
Product: Checking or savings account

About 30 years ago I opened a " no fees for life '' checking account with XXXX XXXX XXXX XXXX XXXX. Several years after that, Chase Bank ( now Morgan Chase ) bought checking accounts from XXXX XXXX XXXX XXXX XXXX. Although Chase attempted to institute fees, they reversed their position after learning that they bought the accounts with the conditions attached. Now, they not only notified me that they were changing my account so that they can institute fees, but would not address my complaint. I am now XXXX years old, my balances are less than they had been, and regardless of my complaints, Chase is now charging me XXXX XXXX month. They have told me that unless I meet certain conditions, they will keep on charging me. After several attempts they refuse to address my contention that my " no fees for life '' account means " no fees for life ''.
Product: Mortgage

I have a mortgage with PNC bank and wanted to get a copy of the payoff statement, because I am refinancing. PNC will only provide it by mail ( takes about a week ) or by FAX. Even after verifying my identity over the phone and discussing many details of my mortgage, they would not even verbally tell me the content and amount of the payoff. Nobody has a fax machine. I went to the trouble of signing up for a web based fax service and provided my number - only to find out that there is a {$20.00} fee for getting the info by fax.

This is so wrong and there is no logic to it. If they don't trust me with the info over the phone, then why send it to a fax number that I provide? Seems clear it is to force their customers to pay {$20.00}. There is no reason I can imagine why this information can not be provided verbally or by some secure electronic method. It's my loan!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I am not an attorney nor am I a third party I am filing a complaint on behalf of myself because it is my legal right to do so. 
I was looking over my credit file and I just needed to update some things that are not current or accurate. The correct spelling of my name is XXXX XXXX XXXX please remove or delete any other spelling of my name it is name correct. I have several addresses on my credit report that are not mine please correct this at once, please. These are the incorrect addresses the should be removed : 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 XXXXL XXXX XXXX, please delete remove the unknown addresses.
Product: Debt collection

XXXX is charging a bill that I never owed. I never opened an acct with them. It 's foe {$79.00}, and XXXX has already removed it, however XXXX has n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX reporting that I was making payments to them and then I stop making payments for 10 months showing 30 late payments on three different loans that are duplicates from three other different Loan Servicing Company which are all paid off including the ones held by these people who say that I made 30 payments. The loans were in deferment during this time and there's no way that I wasn't making the payments because they were in deferment. I wasn't making any payments so therefore there couldn't have been any late payments before or after the loans have been paid in full. I've disputed the loans with Equifax and XXXX and they're still showing up on three of the XXXX XXXX XXXX has 10 late payments on each loan totaling 30 late payments which is hurting my chance to rent an apartment and buy a car because of the late payments. I had a loan of XXXX one for XXXX and one for XXXX and they've all been paid off satisfactorily through XXXX. I never made a late payment!
Product: Money transfer, virtual currency, or money service

I purchased shoes through cash app from company, XXXX on XX/XX/XXXX for the amount of {$210.00}. I have not my shoes. Cash app will not allow me to request money back or cancel payment. I also asked him when the shoes would be shipped when making the purchase. He told me it would be shipped the following week. I have reached out to XXXX for shoes, no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification in the mail from kia motors finance and other car companies saying i was denied credit that i requested. I never requested credit from them and it is a inquiry on my credit report. I am trying to build my credit and have these inquiries removed
Product: Credit reporting or other personal consumer reports

I requested again the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 Balance : {$0.00}
Product: Credit card

I am writing this letter to capital one who recently closed my credit account without providing any prior notice or a valid reason for the closure. This caused undue inconvenience and has impacted my credit score immensely. I created this account on the date of XX/XX/XXXX and have been a loyal customer to capital one. I received a notification from the app on XX/XX/XXXX saying my account was restricted. I contacted customer service numerous times from the date of closure up till now im writing this complaint and no answer on why I got the account closed. I am concerned about the negative impact this account closure has brought on my credit report and that fact that my account was closed for no reason.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items associated with my account or the activities of your company. I believe these items are fraudulent, and I request their immediate removal and resolution. 
I have attach my supporting documents, such as DL, SSN, and POA. 
I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. Please acknowledge receipt of this complaint in writing within [ mention a specific timeframe, and provide a contact person and their direct contact information for further communication. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$43.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXXXXXXXXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$11000.00} XXXX  XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$78000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$43.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$78000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has been furnishing late payments onto my account despite me trying to resolve this issue with them multiple times. Capital One has no right to report neagtive information into my account without first following all the guidelines set forth by the the FDCPA, and FCRA. Regardless of my request for notices of negative information and all documents applicable to me in the event of fraud, capital one has not responded to me at all. 

Any attempt to speak to a representative to resolve this issue is waved off because " Nobody at Capital One has authority to help me ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect report of a credit card charge off. It was removed and placed back on my credit report the same day under a different company name. The XXXX was paid in full!!! This was not a charge off!! It was never XXXX XXXX. I want it off my credit report TransUnion practices unfair credit reporting practices and the credit they report is incorrect in addition to only reporting negative reports they are irresponsible more so than they make me look!
Product: Credit reporting or other personal consumer reports

This account is a direct result of true identity theft, this company is in direct violation of FCRA 1681c-2, which prevents the reporting of fraudulent accounts for which this is inaccurate reporting and a violation of the law and my consumer rights. Furthermore, this company refused to provide me with the original contract they claimed that i signed, they also refused to provide me with the picture identification card used to open this account so that i could asist the investigating officer of my identity theft case. Additionally, FCRA 605B instructs credit bureaus to BLOCK the aforementioned accounts within 72 hours of being notified in which TRANSUNION, XXXX, AND XXXX IS BOUND TO DO BY MANDATE OF LEGISLATIVE LAWTHAT GOVERNS SUCH POLICY AND PROCEEDURES. THIS IS NOT A *DISPUTE REQUEST. THIS IS A REMINDER THAT THEY MUST ADHERE TO THE GOVERNING APPLICABLE LAWS MENTIONED HEREIN! 

IVE INCLUDED AS ATTACHMENTS MY POLICE REPORT, MY PROOF OF XXXX  SHOWING THAT I WAS IN XXXX AT THE TIME THIS ACCOUNT WAS OPENED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I contacted Experian and XXXX  to inform them the bankruptcy on my account is inaccurate. XXXX  has deleted the erroneous bankruptcy off my report but Experian and XXXX  keeps telling me it is verified but fails to provide me the company, organization or persons responsible for verifying the information. I want this bankruptcy removed off my report immediately.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year> Trans Union, XXXX and XXXX, are reporting bankruptcy on my credit report and they have put in the source of furnish as being United States bankruptcy court of Las Vegas, Nevada. 
: XXXX report reflects XXXX XXXX XXXX XXXX XXXX XXXX  as the source of information. 
: Trans Union report reflects XXXX XXXXXXXX XXXX as the source of information. 
: XXXX report reflects XXXX XXXX XXXX XXXX  XXXX as the source of information I have attached a letter from the UNITED STATES BANKRUPTCY COURT DISTRICT OF NEVADA verifying and stating that they do not furnish or report information over to the credit bureau or any Credit monitoring service nor do they verify or validate any information concerning bankruptcy, Trans Union XXXX XXXX and XXXX is stating this information on my credit report and have yet to remove this unvalid and UNVERIFIED information from their credit report which violates fair credit reporting act