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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX I am writing to formally dispute inaccurate, incomplete, unverified information on my credit report. I disputed this information XX/XX/year> with TransUnion, they indicated that the VERIFIED ACCOUNTS were being sent via Mail But, I have yet to receive any Documentations pertaining to them VERIFYING THESE ACCOUNTS. Im a VICTIM OF IDENTITY THEFT MY personal information was Exposed Due to XXXX DATA BREACH. I received alerts daily about my personal information being exposed on the dark web, but yet this COMPANY continues to violate my privacy and my consumer rights by misusing my personal information. Failing to verify disputed information and misleading information is within a violation of my rights. 

-15 U.S.C section 1681i ( a ) ( 1 ) ( A ) Mandates that a credit reporting agency conducts a REASONABLE REINVESTIGATION when a consumer disputes the accuracy of any items.

-15 U.S.C. Section 1681i ( a ) ( 5 ) ( A ) Requires that any information that CAN NOT be verified must be deleted from the consumers credit report.

-15 U.S.C. Section 1681e ( b ) Requires that credit reporting agencies maintain MAXIMUM POSSIBLE ACCURACY in consumer report.

-15 U.S.C. Section 1681s-2 ( b ) Requires data furnishers to conduct a reasonable investigation once a dispute is received from a credit bureau .

Accounts Listed below are accounts thats being DISPUTED AND I HAVE YET TO RECEIVE ANY WRITTEN DOCUMENTS PERTAINING TO THE ACCURACY OF THESE ACCOUNTS. 

Account Name XXXX XXXX  Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Name : XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Account Name : XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Name : XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Account Name : XXXXXXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Name : XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Account Name : XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Since TransUnion has FAILED to send me the REQUIRED DOCUMENTS IN WRITING Showing the PROPER INVESTIGATION that was conducted to verify the accuracy of these accounts that remain UNVERIFIED on my Credit Report, Im demanding IMMEDIATELY DELETION. TransUnion Continues to Violate My RIGHTS AND MY PRIVACY By REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX/XXXX, and the three major credit bureaus ( Transunion, XXXX, XXXX  ) with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2014 with a credit limit unknown, appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.
Product: Checking or savings account

I made a purchase online. USAA asked me to verify the purchase, which I did. USAA declined the transaction as fraud anyway and continues to restrict my checking account EVERY DAY. 
I have more than enough money to cover the charge and acknowledge I made the charge, but USAA ( by their own internal process ) has determined the charge is fraudulent. 
USAA, however, can not explain why the charge is fraudulent, and deem my account as " fraudulent '' on a daily basis. 
I have to literally call USAA to unrestrict my account EVERY DAY. I have called customer service as well as the " Member 's Resolution Team ''. They acknowledge that there is nothing they can or will do to stop this, and it is up to ME to verify my account to access MY funds. 

****This is the most unbelievable customer service experience I have EVER had! ****** USAA ADMITS : * They don't know why ( and can not explain why ) my account has been deemed " fraudulent '' *They will continue to deem my account as " fraudulent '' and require me to call in to access MY FUNDS as long as the " system '' sees fit. 

They wouldn't even close my accounts out due to pending charges.
Product: Debt collection

There is a company, Franklin Collection, saying I owe {$250.00} and has popped up on my credit report. I do not know this company nor do I owe this debt. If this debt was valid, I would have received a notification that I owed this debt. I have not received anything in writing verifying I owe this debt or who this is owed to. This is not right nor legal and needs to cease.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX2025, I noticed unusual activity used on my Citi Bank debit card. This unusual activity consisted of several withdrawals which I did not make. I then called Citi Bank and inquired about these several withdrawals and told Citi that I did not make these withdrawals and asked Citi to close my account which they did. Citi told me that these withdrawals were made via XXXX XXXX  and XXXX XXXX XXXX and Citi did not know who made the XXXX XXXX  withdrawals. I then called XXXX XXXX  and XXXX XXXX XXXX  and they told me that someone had bought XXXX with my debit card using XXXX XXXX. Several of my other accounts with other financial institutions such as XXXX, XXXX XXXX XXXX, and XXXX XXXX have also been compromised due to Identity Theft. To protect my sensitive financial information since these incidents, I have signed up with XXXX 's XXXX XXXX.
Product: Debt collection

XXXX  sent out the first notification of debt in late XXXX. I received the notice on XX/XX/22 and it indicated I had the right to 30  days for disputing or paying the debt. I received a voicemail from a collector XXXX at XXXX on XX/XX/22 at XXXX indicating he was from XXXX XXXX XXXX  and requested I give him a call at XXXX. He did not mention he was attempting to collect a debt in the voicemail so I returned the call at XXXX. He advised who he was and that he was attempting to collect a debt for my utility bill and asked if I wanted to set up arrangements. I advised I was still within my 30  day window for dispute so he was harassing me by calling before that time was up. He apologized and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I attempted to unfreeze my account at Equifax, I got a message that I had to call them. When I called them on XX/XX/2022 at XXXX I was asked identity questions which I answered to the best of my memory. This information was not good enough where by the person at Equifax sent me a text message to obtain my drivers license and my picture. The text was not working whereby he sent the text to me again. Again it failed to work and then I was informed that, I order to get my credit unfrozen, I needed to send them a letter stating what I needed along with a picture and a copy of my social security card. I asked to speak to a supervisor who actually sounded just like the person who was attempting to help me. 

While I appreciate the company safe guarding my information, I have had no problem with XXXX or XXXX unfreezing my account on XX/XX/2022. I have and continue to have difficulties with this company Equifax.
Product: Bank account or service

On at least 5 previous occasions, I request Scottrade cease and desist communicating with me via email and other methods of communication, citing State Unsolicited Email Law, and Federal Debt Collection Practices, yet Scottrade has failed to acknowledge these email and has sent me another email, in violation of numerous State and Federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Please see the other previous complaints by me, this company lies to CFPB and consumers. It has cost me thousands in illegal inaccurate reporting, and they know its inaccurate and refuse to comply with regulations. I am suing Equifax and would like the CFPB to actually pose very harsh penalties to Equifax for abuse of consumer information and refusal to accept accountability under the law and resolve the complaints of consumers. CFPB should not close this complaint because Equifax says they are doing something, EQUIFAX MUST FURNISH PROOF OF THEIR INVESTIGATION AND OUTCOME, NOT JUST A STATEMENT.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

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

Inaccurate information on my credit report. Accounts does note belong to me. FTC violation. 
name ID # XXXX does not belong to me. 
Social security does not belong to me. 
phone XXXX does not belong to me. 
adress ID # XXXX does not belong to me. 
XXXX XXXX  XX/XX/XXXX {$2600.00} does not belong to me. 
XXXX XXXX XXXXXX/XX/XXXX {$4000.00} does not belong to me. 
XXXX XXXX  XX/XX/XXXX {$1600.00} does not belong to me. 
XXXX XXXX  XX/XX/XXXX {$5500.00} does not belong to me. 
XXXX XXXX  XX/XX/XXXX {$5000.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$640.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$3800.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$10000.00} does not belong to me. 
XXXX XXXX XXXX  XX/XX/XXXX {$7100.00} does not belong to me. 
XXXX CARD XX/XX/XXXX {$3200.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$51.00} does not belong to me.
Product: Credit card or prepaid card

XX/XX/2020 I booked a hotel stay in XXXX XXXX XXXX, XXXX at the XXXX XXXX, a XXXX XXXX hotel. The dates of the stay were to be XX/XX/XXXX XXXX XX/XX/XXXX. The cost of the room totaled {$2200.00} for those days. 

XX/XX/2020 Chase credit card booked my card for the total amount of {$2200.00} from XXXX. 

XX/XX/2020 I received a voucher from XXXX for the hotel stay. I checked my XXXX XXXX app and the stay was booked under my name. 

XX/XX/2020 I came to the knowledge, through my XXXX XXXX account, that my hotel stay had been canceled. This cancellation was not initiated by me. 

XX/XX/2020 I send a dispute to Chase Credit Card for the charge from XXXX for the {$2200.00}. Chase responded on XX/XX/2020. 

XX/XX/2020 - Chase stated that the charges were valid because the services you purchased were received or available to use. This is not the case since the booking has been canceled and the date is not yet the day of the hotel stay. 

XX/XX/2020 I reached out to XXXX who is the vendor whom XXXX uses for processing the payments. I requested a full refund for the stay that I booked through XXXX. Again, the full return cancellation policy is up until the XXXX of XXXX, 2020. 

XX/XX/2020 XXXX sends me an email stating, Unfortunately, XXXX can not refund you because of the strong hit XXXX suffered from the Corona Crisis. 

Early XXXX, 2020 I disputed the charge again with Chase Credit Card. I provided emails, cancellation policys from cancelon, records of refund requests, etc. 

XX/XX/2020 Chase responds as the charges being valid. Chase Dispute Department responded stating, The merchant isnt required to credit your account because the charge took place too long ago. 

During these past 4 months I have been on hold with Chases dispute department for hours. I have still not received information from any supervisor or manager there. I have reached out to numerous sources ( XXXX, XXXX, XXXX, XXXX, Chase, State services, and now National ) trying to resolve this issue. I have not received the services that I have paid for, nor do I have the ability to receive them because of the cancellation that XXXX  placed on the hotel stay. I have been scammed and frauded by multiple sources. First from XXXX and second from Chase Credit Card. Chase has multiple policies in place that act against this fraud and I have not received any of them. Even if I did have the reservation, an American citizen cant get into XXXX because the borders being shut down for leisure in response to COVID. Chase sapphire reserve credit card has a policy against this as well and Chase has yet to refund my travel with the travel protection plan that is on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS ACTUASLLY THE SECOND CFPB REPORT I BELIEVE I HAVE HAD TO COMPLAIN ABOUT TO FILE WITH.  XXXX  BANK HAS INSISTED ON LEAVING A DERAGOTRY ACCOUNT ON MY REPORT AFTER ALREADY REMOVIGN UIT ONCE DUE TO INACCURACIES! I CALLED THEM, I MOVED, THEY DID N'T SEND THE RIGHT BILL. I TOLD THEM NUMOEROUS TIMES. I WANT THIS ACCOUTN OFF IT IS CRAZY THAT THEY CAN KEEP REINSTERTIG IT AFTER TELLING ME PROVING THEY WIL ; L REMOVE!
Product: Vehicle loan or lease

I leased a vehicle with Honda in XXXX last year but I was told I had to put money down for my car but if the car and is being leased and Im getting a loan why did I have to pay cash
Product: Debt collection

I recently analyzed my credit report and uncovered several accounts that appear to be fraudulent and were added without my consent.
Product: Debt collection

To whom it may concern, Account # XXXX I have previously sent you a request to validate my debt, account number XXXX on XX/XX/2021 and XX/XX/2021. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via mail that you did receive my letter. 

Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that noncompliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I look forward to hearing from you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on my consumer report there is only 1 item and it is 30 years old iam requesting that it be removed ... charge was XX/XX/1996 22years old XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx. 
XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Height : XXXX '' Weight : XXXX lbs Hair : XXXX Eyes : XXXX Alias ( es ) : XXXX XXXX XXXX - DOB : XXXX XXXX XXXX XXXX - DOB : XXXX XXXX XXXX XXXX - DOB : XXXX CASE SUMMARY Case # File Date Court Type Case Disposition Disposition Date XXXX n/a COMBINED n/a n/a Offense ( s ) Offense Date Level Offense Disposition Disposition Date XXXX XXXX XXXX XXXX XXXX XXXX n/a XXXX CONVICTED - LESSER CHARGE XX/XX/1996 CASE DETAILS Supplemental Information : Originating Agency : XXXX XXXX PD Case Notes : CAUSE NUMBER : XXXX OFFENSE - XXXX XXXX/ XXXX XXXX XXXX XXXX ( XXXX ) DEGREE : XXXX Sentence/Fine Information Sentence Date : XX/XX/1996 Note : AGENCY : XXXX Supplemental Information Statute : 38.15 ( a ) Code : XXXX  Date XXXX : XX/XX/1996 Plea : XXXX Process Information Trial : Offense : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plea : XXXX Disposition : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I placed a deposit of {$230.00} for an item with XXXX XXXX. However, I did not receive the item on XX/XX/XXXX, so I emailed them asking to cancel the order and issue a refund. They said they delivered the order on XX/XX/XXXX, which I never received due to my moving on XX/XX/XXXX. Now this debt is being reported on my credit report even though I asked for the account to be closed and to be issued a refund XXXX  days prior to them delivering it. Now, on XX/XX/XXXX, they have given the contract over to Monterey Financial Services LLC, which states I have to pay for an item I never received.
Product: Checking or savings account

Back in XX/XX/XXXX I reported fraud to Navy federal credit union and my account was closed as result of it. I filed a police report, and I was able to get the charges resolved and everything stationed. Back in XXXX I have try to reopen my Navy checking account as my family members use this bank and my brother is in the Navy himself and I want my checking account back. i have tried to work with them as I send them emails, phone calls and mail notices, that I want my account back as it was due to fraud when it was XXXX back in XXXX. I have attached my inquires I have made with Navy via email as a screenshot attached. I hope to get this resolve and have a navy account back like my family members has.
Product: Credit card or prepaid card

I've had a credit card account with Capital One since XX/XX/XXXX. It is my second oldest credit card and has a high level of importance to my overall credit score due to the age of the account. On XX/XX/XXXX, without any advanced warning, notice, or attempt to contact me, Capital One closed my account due to inactivity. Within an hour of receiving the closure notification via email, I contacted Capital One 's customer service phone line in an attempt to get my account re-opened. The customer service representative took a moment to examine my account before informing me it could not be re-opened because it had been inactive for 24 months. I explained that I was unaware of this 24 month rule ( it probably wasn't in the original agreement I accepted 9 years ago ), and that I would certainly make more efforts to use the card if they could have the account re-opened. The representative was unmoved. I requested to speak with a supervisor hoping someone at a higher level of authority within the company could assist me. After a terse " hello '', the supervisor immediately shut me down by repeating the same line as the original service rep, that my account could not be re-opened and the decision was final. I told the supervisor how surprised I was that, after a nearly 10 year financial relationship with Capital One, during which my credit card account was always in good standing with no missed payments, they would close my account without warning. The supervisor told me it was just a business decision, not a big deal. Well, it may be just another " business decision '' for Capital One, but for me it's a negative hit to my credit score that impacts my ability to borrow money or open credit accounts in the future. The fact that they would do this to me in the middle of the COVID-19 pandemic, when I have a myriad of other financial concerns to address, made it especially painful. Just two months ago, I received an email from Capital One saying they were here to support me during these uncertain times. You know how they could have best supported me during these uncertain times? Maybe by not dealing a blow to my credit score by abruptly closing my second oldest credit card account in the middle of a worldwide pandemic. 

I get that this credit card closure was probably an automated action that takes place after a certain number of inactive months, but I'd like to think Capital One is a corporation with some humanity, that can make exceptions and show flexibility to help me in this situation, rather than a faceless corporation that leans heavily on rules buried deep within credit card agreements to XXXX punch my financial situation when the chips are already down.
Product: Credit card

Capital One has reported 30 days late on my credit report on XX/XX/2014, XX/XX/2014, and XX/XX/2014. This is incorrect as i had auto payments with them. It is not my fault that there automated system might had processed my payments late or posted them late.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report stating that I had a credit breach thay company publishes and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I would like copies of the documents that you have in your files that were used to verify this account, and not simply receive a response indicating that it was verified.

If you do not have any documentation in your files to verify the accuracy of this disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to third parties, you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing this item removed. 

I demand the following accounts be properly verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX XXXX - partial account number XXXX. ( Please see page 6 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX  and XXXX   however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.