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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX  Acct  # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card or prepaid card

Hello, In XX/XX/2017, I have a missed payment with Jared Jewelry store card on my credit report, which is inaccurate. The account was closed on their behalf as I did not use it for a long time. Jared switched bank providers in which, I did not know how to pay for my balance in full. No one called me and Jared didn't know if my account was held with the old bank or new bank. After I straightened the entire ordeal, the account was paid in full. I feel like Jared should be held responsible for this!
Product: Credit reporting or other personal consumer reports

I'd like to express my concern regarding the slow progress of the investigation into my dispute, despite my previous escalation. I was advised to wait for 30 days for the investigation, but there has been no progress thus far. I am disputing and requesting the removal and update of an inaccurate late payment on my credit report, which is tarnishing my creditworthiness.I want to emphasize that this late payment is inaccurate and does not represent my credit history correctly. I have consistently maintained a positive payment history with the mentioned creditor, and there were no late payments during the disputed period. The presence of this inaccurate late payment on my credit report is negatively affecting my creditworthiness and financial standing. I am dedicated to maintaining a favorable credit history, and this reporting error is causing unwarranted damage to my credit reputation. Here is the account I want to be updated : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I originally had a CareCredit Acct opened for {$4000.00} which I had been making monthly payments too-never not paid. This past summer I got a phone call/letter in the mail saying that I was being kicked off of CareCredit and into an Attorneys hands. I was NEVER notified or warned as to why. I have been making payments everymonth ON TIME ever since and have tried to dispute all of this because it has affected my credit score significantly. I have recently tried to dispute this with the company and I have noticed that my credit score has gone down AGAIN and keeps going down. They're saying because my account is in charge-off which I never agreed for it to be because I was never even aware of what was happening. Im trying to FIX the problem and make my pants even earlier and on time and Im still noticing my credit score is decreasing!! This is not right. I have XXXX left and I am being told that my credit score will keep decreasing if that payment is not paid in full right away?! This is not right! I am a person that pays everything on time and checks to make sure everything is correct always because I care about my credit and score and this is very frustrating!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original creditor : XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXX XXXX  ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my second or third complaint with Equifax consumer services, about the matter of the same issue. I have two unauthorized inquiries on my credit report with Equifax. At first I was told that the inquiries had been removed but got a letter stating that the inquiries had been deleted, then I obtain a copy of my credit report to my surprise I see that the same to inquiries had been put back on my credit report without my knowledge. I called in and was told that I needed to send in a copy of my police report I made with the local state police department in my town, along with a copy of my identification i.e drivers license, and also a list of with the inquires along with the dates of each inquiry. I faxed in those documents XX/XX/2021. I called back and spoke to an agent, I was told by one agent in particular who works with unauthorized inquiries in the fraud department name ( XXXX ) that I would have to provide a police report and a copy of my identification. I told him sent them in and then I called and explained to him my situation and told him that I had been trying to get these unauthorized inquires removed from my credit report for a bit, and he was very insensitive to my situation and told me that my police report that I had made was invalid, and that I would have to make a new police report with the stated inquiries listed on the police report because " it is what the law states. ''. Why wasn't this knowledge made known to me when I first notified you about my unauthorized inquiries? Why do I keep getting the runaround about two inquiries? I understand that pursuant to the FCRA section 609 ( e ) ( 15 U.S.C. 1681g ( e ) states that all you need is a police report claiming identity theft and a " copy of a standardized affidavit ''. I have provided both and still no resolution. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN AND XXXX  are both reporting publishing and disseminating false and misleading and damaging information about me. 
XXXX XXXX, ACCT. XXXX IS REPORTING ME AS A CO-SIGNOR FOR {$280000.00} ON A DEBT I OWE XXXX ON.XXXX XXXX  XXXX  committed fraud in the inducement to sign a contract.I was lied to and told that my signature and documents were for reference only.It is quite possible that I am on camera in the XXXX XXXX XXXX office while this fraud was perpetrated upon me, The audio would verify my claim to FRAUD IN THE INDUCEMENT TO SIGN A CONTRACT perpetrated by XXXX .
Product: Credit card

Received a notice that my Fixed Rate APR will be changing in less than XXXX XXXX. My options are to deal with it, or close the account. They have told me only that " market conditions '' have caused them to raise rates across the board and that the prime rate has affected it. Since the prime rate has not raised XXXX XXXX  ( they are changing my APR from XXXX XXXX to XXXX XXXX  ) I asked for further clarity as well as a formal response to my complaint. They refused to give any sort of confirmation or tracking for my complaint, stating that they don't have that capability and that my feedback " has been recorded '', though there is no way for me to access that information. It's absolutely disgusting that they can raise rates this much with just XXXX or so XXXX  until it goes into effect. Citigroup is not hurting financially.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) 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 Equifax, 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 XXXX 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 Equifaxs inaction violates federal law and my rights as a consumer.
Product: Debt collection

I filed a consumer complaint against this company XX/XX/2020 on XX/XX/2020 this company responded by adding another fraudulent and incorrect account on my credit reports for the amount of {$660.00}. The account number begins with XXXX. They still have not provided any identifiable documentation that the 5 accounts they are reporting to my credit reports are mine. I have tried to get this company to validate these debts to me but they have not the documentation I received was a bill that showed no proof this is my debt. They retaliated against by not responding to consumer finance request properly. But within 4 days of filing the consumer finance request against this company they added another item to my credit report dropping my credit score. These items need to be removed immediately.
Product: Debt collection

To whom it may concern : This is formal complaint that XXXX is reporting inaccurate credit information. 
I am very upset that false information was included in my credit profile due to its damaging my credit standing. I have been wrongly denied credit recently which is very stressful for me. 

The inclusion of this inaccurate information is a mistake on either XXXX, or whoever is reporting this inaccurate collection. I am formally requesting an investigation into this item. 

SIMON 'S AGENCY XXXX with amount of {$100.00} This collection was removed from XXXX and XXXX!!!!! 
This collection was removed from XXXX XXXX XXXX conformation of removal # XXXX. It inaccurately reappeared XXXX XXXX I recently spoke with an XXXX supervisor XXXX employee ID # XXXX and was told this should remove once I send a clearer version of my verification which has been mailed and fax and still no changes. 
Thank you for your prompt attention to this matter. 
Please DELETE/UPDATE the above account as quickly as possible. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a proper consumer investigation on the account listed below. 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 1681XXXX XXXX XXXX XXXX XXXX has 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 : it also states that a consumer reporting agency can not furnish an account without my written instructions. Provide me a copy in writing and signature where I have given this company written permission to furnish my information. 15 U.S.C section 1681 i ( a ) also states if you can not provide proof of accuracy, all listed accounts must be deleted if they are not 100 % accurate and correct. This is illegal and a serious legal matter. After speaking with my lawyer, they notified me that you have 30 days to present the proof or delete accounts listed. I have included a copy of my driver 's license and social security card for identification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has engaged in unfair, abusive and unlawful practices in processing a payment. They subsequently failed to conduct a reasonable investigation for billing errors, failed to provide reproductions of documents used to determine the outcome of billing error investigations, failed to disclose my right to request such reproductions. They then retaliated against me as consumer for engaging in protected activities, using tactics including credit discrimination and disability discrimination. XXXX has continued to harm me as a consumer by continuously furnishing invalid and/or unverifiable payment history to the CRAs. The information is invalid and/or unverifiable because the information supplied was generated as a result of unlawful actions taken due to XXXX 's failure to process a payment. XXXX has reported that information using the eOSCAR system claiming the information is correct, yet has been unwilling to provide me with reproductions of documents that support the information supplied to the CRAs. At the same time, the CRAs have insisted XXXX has provided them with the same or similar documentation that allegedly verifies the validity and accuracy of the information supplied to the CRAs, and that attests the information was generated lawfully. Prior complaints with both the CFPB and XXXX are attached. Most recently, XXXX supplied me with a rehash of their alleged investigation ( XXXX ) on letterhead with XXXX ( XXXX ) supporting documents -- this is despite my request for reproductions of any and all documents that supports the conclusions of their alleged investigation ( XXXX ). I cited applicable law and provided the corresponding pdf from the Federal Code. Overall, XXXX is using abusive tactics to avoid transparency that is required, and is harming me by supplying the CRAs with invalid information. They are then sending updates to the CRAs that contain the invalid information. They are then closing out subsequent complaints with the CFPB as a form of retaliation, and refuse to supply reproductions of supporting documents, claiming they conducted a billing error investigation. The CRAs has been more than willing to persist the information furnished by XXXX despite me notifying the CRAs through CFPB complaints of the serious issues involved. Therefore, the CRAs are now knowingly and willfully violating the FCRA. The full explanation and documentation is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to CONVERGENT OUTSOURCI agency because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting CONVERGENT OUTSOURCI agency to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit card or prepaid card

I purchased concert tickets via XXXX in XX/XX/2023, which were then canceled before the concert. In the cancellation email XXXX sent me, I was informed that the Bank ( Citi Bank ) would refund me. After months of communication ( via disputes ), Citi Bank ultimately said they could not refund me. I've also contacted XXXX during this period, but they repeatedly said that Citi Bank should be the party to refund me and there was nothing they could do. 

Several disputes were established during my communication with Citi Bank, but all were returned as unsuccessful. Some agents even cited that I was late in providing documentation, but they were all proven to be incorrect. One of the managers I spoke with from Citi Bank said that some missteps by Citi Bank definitely affected the results of the dispute but could not assist further.

I also need clarification on why this was not simply refunded to my account and I even had to go through disputes in the first place. When the vendor canceled the tickets, the total should have been refunded directly.
Product: Bank account or service

I am submitting a complaint related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. In XXXX XXXX, I submitted an application for a Citigold bank account using promo code which I had received from Citibank. I signed up for the promotion because I was lured in with a bonus promotion that promised of XXXX AAdvantage miles would be credited to my AAdvantage account. At the time of my application, I entered both the promotion code, and my AAdvantage account number. Hence I had confirmed via chat with a Citi Bank representative a few days after my application that the application will be processed, and that I qualified for the bonus offer of XXXX Miles upon meeting the promotion requirements : Within 60 days, complete a purchase of {$1000.00} or more with my Citigold Debit card and perform XXXX or more bill payments for 2 consecutive calendar months. This information should be discoverable as all conversations are recorded by Citibank. After I met the promotion requirements, I contacted via secure messages and chat to Citibank to confirm this and to inquire when to expect the points to be posted. I was told that all the promotional requirements had been met, and I would receive my bonus miles credited into my AAdvantage account no later than end of XXXX XXXX. 

In early XXXX XXXX, again I received secured messages from Citibank that a case R- XXXX has been opened to investigate the missing XXXX miles. On XXXX XXXX, I received a secured letter from Director XXXX XXXX confirming the XXXX miles, but somehow they manage to LOSE my AAdvantage account number! When I responded back with my AAdvantage number, they said the letter has been deleted, and Citibank had to re-create another new investigation case AGAIN. 

All these while, they keep charging $ XXXX monthly fees while dragging their feet in honoring their marketing promise. It 's clear that this is a deceptive marketing from the very beginning. 

Please see the message below from Director XXXX XXXX of Client Research of Citibank. 
XXXX Dear XXXX XXXX, Thank you for your inquiry on XXXX/XXXX/XXXX regarding your Checking account number ending in XXXX. We have completed our research and the results are as follows : Your account does qualify for XXXX XXXX, which offered XXXX AA Miles. 
Citibank is eager to have these miles applied to your XXXX XXXX AAdvantage account, however ; will need your XXXX XXXX AAdvantage account number to process your request. Please contact Citibank Online Services at XXXX at your earliest convenience to provide the AAdvantage account number. 
If you have any questions or would like to speak with a representative, Customer Service can be contacted 24 hours a day, 7 days a week at : Citigold XXXX Citigold International Collect XXXX XXXX XXXX XXXX ( TDD ) XXXX We appreciate your business with Citibank and look forward to serving all your future financial needs. 
Sincerely, XXXX XXXX, Director, Client Research
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of American has an account on my credit report listed as a Charge Off and it is not. When I disputed this through XXXX XXXX the report back from Bank of American indicate the account was at maximum delinquency and it is not. There was an agreement made with Bank of America in early 2022 regarding payment on the account. Since that time all payments have been made to date. The account therefore is not charged off nor is it at maximum delinquency since the payments have been made as agreed. I simply want Bank of American to report the account accurately as up to date and payments being made as agreed. They are showing the balance declining, so why can they not report it correctly.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate and unfair practices, which violate The Consumer Financial Protection Act ( CFPA ). Specifically Cash App fails to take timely and effective measures to prevent and address fraud on their platform, leaving my account venerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not with error resolution under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These action caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.