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

I am reaching out to address the inaccuracies and omissions in the credit information that you have reported on my credit profile. It is disappointing to note the lack of sufficient procedures to ensure the utmost accuracy in compliance with credit reporting laws.

The following information requires immediate investigation, and I insist on being furnished with evidence supporting the alleged items, particularly any contracts, notes, or documents bearing my signature. Failure to provide such evidence warrants the removal of these items from my credit report without delay : I am troubled by the fact that XXXX has already rectified these accounts from their records, indicating an acknowledged error. However, your failure to do the same is concerning. I demand the deletion of these items from my file due to their inaccuracy, error, incompleteness, or inability to be verified. It is unacceptable that you are not adhering to legal requirements, particularly when other credit bureaus have already complied. 

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

I looked at the credit report and found that this company has tried to retrieve my information without any permissible purpose. 
I am challenging them for COMPLIANCE with the XXXX submission process as well as the FCRA
Product: Credit card or prepaid card

Received a {$150.00} promotional gift card due to a prior purchase. Attempted to use the card on-line and it got declined. Went to website listed on back of card https : //therewardcardstore.com to see account balance, states " There was an error, please try again ''. Looked up other phone numbers for the banks listed on the website to see status of card, goes to a non working phone number XXXX. Called the # on the back of the card XXXX and always goes to an automated recording. States call during business hours XXXX-XXXX M-F EST, even doing so, never goes to a live person ( have tried on multiple days ). 

Called the bank directly listed on the back of the card, XXXX XXXX, they state they only distribute the plastic and don't have access to the account or its funds. XXXX Please help
Product: Credit reporting or other personal consumer reports

I believe my Social Security number was compromised because I am a victim of a Data Breach/ Identity Theft. Because of this I initially reached out to the three reporting agencies with disputes and nothing happened so far. As a result I contacted the Federal Trade Commission and filed an FTC Report which I have attached to all the consumer reporting agencies. I disputed several accounts and hard inquiries that are due to Identity theft because I have no knowledge of these accounts and I did not initiate or open these accounts. These accounts are The disputed accounts include : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$930.00} XXXX. XXXX XXXX {$2200.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$1400.00} Disputed Inquiries include : XXXX XXXX XXXX XXXX XXXX These accounts are fraudulent and were not authorized by me. As per 15 U.S.C. 1681c-2 ( c ) ( a ), the credit reporting Agencies, within 4 business days must lawfully abide by and I request the following actions : 1. Immediate blocking of the disputed accounts from my credit report.

2. Notification to the furnisher of the disputed information regarding the blocked accounts.

3. A confirmation in writing that these accounts have been blocked and will not be reinserted into my credit report. I have also asked for them too attach an updated Credit Report as well. 
nothing has been removed as of yet, and I need them to act immediately!!
Product: Credit reporting or other personal consumer reports

I am in disagreement with this account listed here which still appears on my credit report, even after your investigation. i would like this account immediately re investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX bank account number XXXX In accordance with the fair reporting act, public law 91-506, titleIV, section 611 please provide the names and business addresses of each individual with whom you verifed above so i can follow up. Please send a updted copy of my credit report after your reinvestigation.
Product: Credit card or prepaid card

For no apparent reason XXXX XXXX XXXX closed 4 credit cards. All of the cards were either paid in full or the minimum payments required had been met. These cards were never used over the credit limit. When card # XXXX was closed by Citi Bank I had cash rewards of {$130.00} on the XX/XX/18 statement. Under terms of the Double Cash Card I should have received a 1 % cash back bonus for paying off the balance of the card ( {$17000.00} ) the following month. When combined with the existing credit of {$130.00} I should have received a cash back check for {$310.00}. The company refused to pay me the cash rewards which I had accumulated at the time they closed my card - without any prior notice to me. I paid the balance due on this card in full the month following them closing this card.
Product: Vehicle loan or lease

I am writing in reference to a dispute with Chase Auto-finance on my credit report for a " missed payment ''. Enclosed you will find supporting documents for my dispute regarding my missed payment according to Chase. Chase alleges that my payment was late in for XXXX, but per the attached supporting documents of Chase statements dating XX/XX/18 to present, the XXXX statement shows no payment due for XXXX ( XX/XX/18 ) and an XXXX payment of {$410.00} for XXXX ( XX/XX/18 ). Thus I did not make a payment for XXXX XX/XX/18 and attempted to make a payment in XXXX several times. 
In attempts to make my payments, Chase customer service was unable to process payments due to an error on their part regarding the account number for my financial institution. I attempted to reconcile the account and pay what was owed but due to their error on their part the payment was reversed several times : XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 REVERSED PAYMENT {$410.00} XXXX REVERSED PAYMENT {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 REVERSED PAYMENT {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 REVERSED PAYMENT {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 WAIVED LATE CHARGE {$20.00} XXXX-18 REVERSED PAYMENT {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00}
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} - XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} - XXXX XXXX XXXXXXXX XXXX, XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} - XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$XXXX} - XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit card or prepaid card

XX/XX/XXXX - Online order for cabinet knobs. Total order {$370.00}. Home Depot Credit Card ( citibank ) charged {$370.00}. ONLINE ORDER # XXXX XX/XX/XXXX - Cancelled cabinet knob order. Balance refunded {$320.00}. Difference of {$49.00}. 
XX/XX/XXXX - Called XXXX XXXX store in XXXX, AZ to question difference. Customer Service desk told me because part of the order had to be ordered from manufacturer, credit would be issued once goods were received by store - then difference would be credited back. 
XX/XX/XXXX - Called Home Depot Credit card number- they transferred to Credit Services, who then transferred to Customer Service at the XXXX  store who told me this was a citibank issue. 
XX/XX/XXXX - Called Citibank- they said it was a XXXX XXXX issue and transferred me back to Customer Service Desk at XXXX XXXX. 
XX/XX/XXXX - Visited XXXX XXXX Customer service desk in XXXX XXXX, AZ. XXXX and XXXX were able to contact the XXXX store and get a {$50.00} credit issued. Said credit could take 7-10- days. 
XX/XX/XXXX - Received collections call from Citi Bank. Balance of {$49.00} was due XX/XX/XXXX plus late fee of {$29.00}. 
XX/XX/XXXX - Called XXXX, store manager at XXXX XXXX XXXX. He said credit appeared on their computer. Tried to track down why credit wasn't transferring over to Citi Bank and our credit card. Could not do anything more but indicated he had contacted Citi Bank Resolution department and to contact them with the case number he said was opened- Case Number XXXX XXXX - call XXXX. 
XX/XX/XXXX - Called XXXX spoke to XXXX. Transferred to different department- XXXX. No updates- could not find case # - told me to call back in 30-90 days then hung up on me. 
XX/XX/XXXX - Late calls continued with late fees. 
XX/XX/XXXX - Paid off most of credit balance. Will not risk credit rating and harassing calls for a {$50.00} balance. 
XX/XX/XXXX - called XXXX ( Citi Bank ) to follow-up with case number. Spoke to XXXX who said they have nothing in their notes about a complaint and suggested I call XXXX XXXX @ XXXX to inquire. 
XX/XX/XXXX - called XXXX ( XXXX XXXX ). Automated system - requested Customer Service Department - reason I stated - complaint. Was disconnected. 
XX/XX/XXXX - made final payment of {$19.00} for original charge and credit which was not received to zero out balance. 
**Not sure if this is a Citi Bank issue or a XXXX XXXX issue but I have spent HOURS going through automated systems, being transferred back and forth, and being disconnected. Total paid which I'm requesting refund for - {$78.00}
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX U S DEPT OF ED/XXXX ( XXXX Creditor : XXXX XXXX ) XXXX Balance : {$4300.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$6700.00} U S DEPT OF EDXXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7600.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Accounts XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following companies to do inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 

I have no knowledge of these inquiries. 
These inquiries were done without my knowledge. 
This if fraud.
Product: Debt collection

I checked my credit and saw an old bill for Credit Collections USA LLC from XXXX XXXX XXXX XXXX in XXXX, FL in the amount of {$130.00} and from XXXX XXXX XXXX for {$220.00}. I never received the original bill as there were a plethora of mail related issues. I called the number associated with the both doctors office ( XXXX and XXXX ) and spoke with billing. 
I explained that I would like to take care of my bill for the physician. The balance is on {$0.00} for XXXX XXXX XXXX and the billing rep stated the bill was really old and would have been written off by the end of the year. She also said it should not be reporting on my credit because its very old. 
The billing XXXX at XXXX XXXX ( XXXX XXXX ), XXXX, stated XXXX XXXX no longer worked there and his private practice was dismantled when he joined a new practice. She said all of the medical bills for the practice had been written off, and to disregard the bill because it was no longer valid. She also added they never notified patients in writing about disregarding the bills but if they called, they were notified over the phone and there was no credit reporting for balances owed. 
I called XXXX XXXX and spoke with the collections supervisor, XXXX. She told me they would not delete the trade lines that are being illegally reported because the debts are no longer valid is not owed.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC XXXX regarding the account that do not belong to me. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. s 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Hard Inquiries : XXXX XXXX XX/XX/year>. Accounts : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have had a lease set up with koalifi. At the beginning of the lease I was not allowed to make payments I contacted the company and the timer had not started yet. Then I was allowed to make payments. I continued making the payments until I got the number low enough to some thing I could pay off in one lump sum. I contacted the company to pay off the loan. After I was hung up on a few times I finally got through to somebody and they informed me that I had missed the deadline. I was never formally given the deadline. I have paid {$2300.00} of a {$2700.00} loan. Im ready to pay the remaining XXXX but instead they want XXXX and thats criminal for being five days late
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX ), after initially approving me for a loan, reneged and refused to issue the loan. That may be well within their rights, however, they reported the loan on my TransUnion credit report has issued. Now I have an installment loan reporting which I never received due to the negligence of XXXX and TransUnion.
Product: Debt collection

XXXX/XXXX/3021 Spoke to First Data about a lease that I am no longer liable for, I was the first contract for the leased equipment. When I sold my business the sales rep XXXX XXXX rewrote the contract into the new owners name. Now I find out that new owner sold the business again and the 3rd owner signed the contract on the equipment. I received a letter in the mail stating that I am responsible for the bills now that the 3rd owner isnt paying for the leased equipment. I spoke to my sales rep and she is trying to get the guy to pay for the equipment but he wont. I am not responsible for a contract that I terminated over 2 years ago and has since been rewritten twice to two other people.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX -BALANCE {$2700.00} - DATE OPENED XX/XX/year>
Product: Checking or savings account

On XX/XX/2018 I opened a new Platinum Checking account with Citizens Bank. The account was opened online at the website : www.citizensbank.com/promotion/platinum/cash-offer-400.aspx. This account came with a promotion that offered me {$400.00} for the new account. I completed the application for the account and fulfilled the terms of the account and expected to receive the bonus I was offered of {$400.00}. 

After a few months the bonus had never shown up in my account. When I logged in to check the account, I then noticed that my account was listed as a " One Deposit '' checking account, not the Platinum account I opened. I am not sure if the bank changed my account type without my knowledge or consent, or somehow screwed up when they opened my account. I first contacted the bank by Secure Message on their website on XX/XX/2018 indicating the problem with my account type. Despite indication that they " make every effort to respond within 2 business days, '' I did not receive any response at all. 

On XX/XX/2018 I sent a second message regarding this issue. Four days later I received a replying stating they needed additional information about the promotion I applied for. I replied, including giving the webpage mentioned above. I received a final response on XXXX stating that : " our records indicate that you opened a One deposit checking account. Due to this the account would not qualify for the promotion that required a Platinum checking account. '' This is not true. I have evidence that I can provide that shows the offer I applied under ( Offer screenshots.pdf ). I also have screenshots from my actual application ( My application.pdf ) which notes in numerous places that I am applying for a Platinum checking account. Finally, I have numerous emails from Citizens Bank ( Email 1-4 pdfs ) stating that my Platinum checking account was opened, my Platinum debit card was mailed and the benefits of my Platinum status. I even have an email as recent as XX/XX/2018 referencing my Platinum status. 

Again, I clearly applied and was approved for a Platinum checking account. Somewhere along the way Citizens Bank screwed up. But they refuse to admit the problem. Contacting them directly has not helped so I am hoping the Consumer Financial Protection Bureau can help me. Thank you.
Product: Credit reporting, credit repair services, 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. 

ONLINE INFORMATION SER # XXXX, XXXX BANK, XXXX, XXXX # XXXX, XXXX FIN XXXX XXXX, XXXX  - CARD SERVICE # XXXX 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 state 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

Hello, ive recently disputed multiple inaccurate items by mail around XX/XX/2021 it has been well over 30 days and has yet to receive any type of notifications .You have fail to comment and failed to reply back with investigation results.Both being under violation which means you must delete all accounts from my report. 

XXXX XXXX XXXX XXXX late payment Please remove from my report XXXX XXXXXXXX XX/XX/XXXX late payment Please remove from report XXXX Please remove from my report XXXX XXXX XXXX please remove from my report XXXX XXXX Please remove from my report XXXX XXXX XXXXXXXX Please remove from my report