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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so, the company XXXX their autopay system due to a glitch that occurred when My payments were due. I am unaware of any outstanding balance, I was not notified by XXXX and only discovered the issue after checking the credit report. Although XXXX acknowledged the problem and agreed to resolve it, they have not yet taken any corrective action. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX  XXXX
Product: Credit reporting or other personal consumer reports

To whom this will concern, my name is XXXX XXXX XXXX and the accounts I've mentioned in this report should not be reflected on my consumer report as they violate my rights as a federally protected consumer according to 15 U.S. Code section 1681E, 1681i, and 1681s-2, and like even if you want if you want to try working inaccuracies that need immediate correction period per FCR guidelines are requesting thorough investigation into these discrepancies and prompt removal to uphold the integrity of my credit history. These listed accounts should not be reflecting on my accounts as I have never applied nor given permission for these credits to report anything on my consumer report. Additional Unauthorized Hard Inquires : 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

Navient Student loan company stated, They were taking over my student loans and was funded by Department of education, which is a complete utterly lie! Now this had devastate my credit score. Also I have paid thousands of dollars into a company that doesnt exist!
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXXXXXX around XX/XX/year>. This accounts have resulted in several fraudulent hard inquiries and fraudulent late payments on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws
Product: Credit reporting, credit repair services, or other personal consumer reports

The personal information on my report is wrong. The only personal information that should be on there is my name and current address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MO XXXX. Please delete all names and addresses that are not the ones I just listed. Any phone numbers and jobs need to be deleted as well as they are all wrong.
Product: Bank account or service

XX/XX/2016 I received a letter from Citibank offering me XXXX reward miles if I fulfilled the terms of the promotion ( code XXXX ). I opened the account in XXXX, fulfilled the requirements ( spend {$1000.00} and submit two bill pay transactions ) and I was promised the miles per the letter within 90 days of fulfilling these requirements. Time passed and I had not received the miles so I contacted Citibank several times and via live chat, they told me " They specifically told me " You will receive your XXXX XXXX miles no later than XXXX/XXXX/16. '' XX/XX/XXXX passed and still no miles, yet I am racking up account fees. I have continued to contact Citibank who NOW in XX/XX/XXXX and XX/XX/XXXX ( never before ) is telling me I was not on their list of customers to offer this promotion to. I honestly believe that they have intentionally dragged out the resolution of this so they could continue to collect my $ 30 monthly charge. I am extremely upset/disappointed with this situation and how Citibank has handled this. In my opinion this is borderline fraudulent behavior and their practices have been extremely deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,    2017 I received a letter (  copy enclosed ) advising me that my  XXXX  Credit Card account had been closed effective  XXXX   XXXX ,  2017 . According to the letter " Our decision to close your account was based on information we received that you may have filed for bankruptcy ... '' When I questioned them who sent them this information, they said it was by me ( my name ). they insisted it was valid information. They took my information, credit card number and the last  XXXX  digits of my Social Security number, and said they would investigate and get back to me i n 3 to 5  business days.     I FEAR THAT THIS MAY BE A SCAM BUT MORE IMPORTANTLY, THIS COULD RUIN MY CREDIT RATING.     Please advise if there is anything I could do to remedy this problem.      XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account by the name XXXX XXXX removed off of my credit, I had created an FTC report and sent to equifax. Recently Equifax had REINSERTED the account after it was removed as fraudulent. I am now disputing the account as fraud again because it is! I never openend the account XXXX XXXX!
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint to report violations of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C., by XXXX, XXXX, and Equifax regarding the inaccurate reporting of a bankruptcy on my credit report. Despite my disputes over the past year, these credit reporting agencies ( CRAs ) continue to unlawfully report this bankruptcy, falsely stating it has been verified by the furnishers U.S. Bankruptcy Court XXXX XXXX XXXX and XXXX. I have a letter from the U.S. Bankruptcy Court XXXX XXXX XXXX confirming they do not report bankruptcy information to any CRAs, including XXXX, XXXX, and Equifax. Also, I have a letter from XXXX confirming that the bankruptcy has been deleted from their records. These are the violations under the FCRA : 15 U.S.C. 1681e ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. The CRAs have failed to ensure the accuracy of the bankruptcy information reported and relied on unverifiable sources.15 U.S.C . 1681i ( a ) ( 1 ) ( A ) : Upon receiving a dispute, CRAs are required to conduct a reasonable reinvestigation to determine the accuracy of the disputed information. The CRAs failed to perform a reasonable reinvestigation, as evidenced by their reliance on false verification. 15 U.S.C. 1681s-2 ( b ) : Information furnishers are obligated to conduct a reasonable investigation when a dispute is forwarded by a CRA. XXXX has already deleted the bankruptcy, indicating the information being reported is inaccurate. The CRAs refusal to correct this inaccurate information has caused significant harm to my creditworthiness, emotional well-being, and financial opportunities. On XX/XX/year>, I filed a CFPB complaint, and the CRAs falsely claimed the bankruptcy information was accurate and verified. Also, on XX/XX/year>, I filed a CFPB complaint with XXXX and they have deleted the bankruptcy from their records.
Product: Credit card or prepaid card

I made a dispute to apple card about a transaction that was made in XX/XX/ for XXXX, instead of apple card returning the funds to my available amount they removed it from my limit which is 2 violation of the truth in lending Act Stating : Mission Consumer Protection Law 15 U.S.C. 1666-1666XXXX XXXX http : XXXX This Act, amending the Truth in Lending Act, requires prompt written acknowledgment of consumer billing complaints and investigation of billing errors by creditors. The amendment prohibits creditors from taking actions that adversely affect the consumer 's credit standing until an investigation is completed, and affords other protection during disputes. The amendment also requires that creditors promptly post payments to the consumer 's account, and either refund overpayments or credit them to the consumer 's account.
Product: Credit card or prepaid card

on XX/XX/2020 my company gave me a paper that says for employees of XXXX : COVID-19 SEPERATION and I was temporially unemployed I filed for unemployment and received notice in the mail I was approved for one year but I never received a card to get my benefits it shows on line that they paid loaded it on confirmmy card but I didn't receive one my confirmation number is XXXX claimant id XXXX the two weeks I am owed for is XX/XX/2020 confirmation code XXXX the second week is XX/XX/2020 and confirmation code is XXXX send me my us bank card or please direct deposit my money to my bank the information is on my application for unemployment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax  data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the credit bureaus when I was XXXX years old I had a charge-off with XXXX  XXXX XXXX XXXX XXXX XXXX This is impossible because I was XXXX years old and not aware of any possible debt. They stated that someone used the card for a gas charge but at the age of XXXX i did not have a car? They also did not ask me to dispute the charge at the time of the debt. Someone used my card and charged it and i had to pay for it. This is illegal because if a debt is not the consumers than it must be disputed.I have paid the debt only because it was hurting my credit profile. At XXXX years old I was not allowed to have a bank card, so how did I make the debt? I have contacted the credit bureaus and the company countless times with no results. I have been in contact with them since 2018. They have not provided me any details of verification or validation of this debt. I would like this removed from my credit reports immediately due to the negative impact that it has on my credit.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2022, XXXX XXXX sent an email regarding my overdue payment. In the email, XXXX gave me until XX/XX/2022, to make payment or report to a collection agency. On XX/XX/2022, XXXX day after the proposed deadline, without notification, XXXX XXXX XXXX XXXX reported to credit bureaus without allowing me to pay. On or about XX/XX/2022, I contacted XXXX XXXX XXXX and requested for a Pay-to-Delete. XXXX XXXX XXXX agreed to the XXXX but refused to delete the account from my credit report after receiving payment. XXXX XXXX XXXX ' actions violate the Fair Credit Reporting Act in that XXXX. I had no knowledge of the account. XXXX. They did not give me time ( 30 days minimum ) to at least make payment. XXXX. They did not notify me or give me time to dispute the account. 

I filled multiple disputes with Experian, but each time, Experian claims XXXX XXXX XXXX ' response meets FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to formally request an investigation and correction of the listed accounts that appears to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX - You are reporting a different information from other bureaus. This account is only reporting in your bureau. If your record keeping had been accurate, this account should have never been erroneously reported. Per FCRA, reporting of account information must be accurate ; I need this account removed immediately. Thank you. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.
Product: Debt collection

XXXX XXXX XXXX, they bought a XX/XX/XXXX credit cards for capital one, in XX/XX/XXXX, XXXX XXXX XXXX report the credit company that I open a accounted with back in XX/XX/XXXX and they report that i have owned the account that shouldn't have in credit report I have contacted and they said they sue for a debt.. the accounted is from XX/XX/XXXX.. not XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

The merchant got XXXX out my account and they cancelled it Ace is still holding my money I a checking account that I closed this has been since XX/XX/XXXX I have sent several messages the merchant have sent proof and they are still holding my money this have put me in almost getting car repossessed rent behind it's a month and they still have released it so I have proof from merchant that I will attach
Product: Checking or savings account

On Saturday XX/XX/XXXX, at midnight I went to deposit some money into my Bank Of America account at a local ATM XXXX. I deposited XXXX dollars into the ATM XXXX  with my card still inside of the ATM, and the ATM did not give back my money or my debit card. I took a video of the ATM XXXX  to show that the hardware of the system is messed up. It kept rebooting, then turning off, then turning back on in a endless cycle and never gave back my money or my debit card. The money I deposited was not sent to my account and the ATM never gave back my money. I called the Bank Of America customer help phone number but they had no available operators to fix my issue.
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. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. Stated I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also stated 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 of the following items of information Any other adverse item of information, other than records 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: Debt collection

This entire debt is fraudulent, if you XXXX  this company multiple people complain that the company is not real and its fraud and its for a collection for XXXX Ive never had XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/, Paypal froze my account and requested information including my driver license, proof of bank account, and address. I provided these documents but they stated that they have closed my account without my consent. I have been using the paypal account in accordance with their terms of use and paypal has not provided details as to why my account was forcibly closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported by XXXX, XXXX, and Equifax, I have numerous old student loans that should have been removed from account going back to XXXX. I still have an old student loan on my credit report even though all of my loans were forgiven through the XXXX discharge program which Biden approved. My loans are being turned over to other account holders, and credit bureaus continue to resubmit them as if they are still active, closed, transferred, and delinquent. This is harming my credit score and have been for years. These loans should have been removed, but because they sell off to another account holder, the credit bureau engages in unfair reporting by renewing the date, thus adding it back onto my report. I have already contacted the credit bureau, and they refuse to delete these items. I also checked and they are still reporting old information about the discharges, and have not removed all of my loans. I recently received a XXXX point reduction because the credit bureau reported an electric bill as owed. The credit bureau is engaging in unfair practices buy relisting old debts that are paid, and i request them to remove them, and still they do not. Debts that were resolved, are still appearing on my report. I would like to have this investigated, and if possible look into if I can sue the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX has violated my rights.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Discovery Financial is trying to collect form me XXXX XXXX. I was only an authorized signer on account. My father XXXX XXXX was the actual account holder, he is the only one that signed up for the account. Ive tried numerous times to get Discovery financial to send me a copy of the SIGNED application. They can not provide it. They can only provide a bunch of statements where I did make the payment or signed for tire changes or things of that nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$1800.00} 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY.
Product: Credit card or prepaid card

I write this letter as over the past 8-10 months or so months I have went back and forth between Chase 's Fraud and Disputes Departments regarding two unauthorized transactions on my credit card totaling the amount of {$13000.00} from XXXX XXXX. After noticing these two transactions I ordered a card replacement as I thought it was fraud, however Chase noted it was considered a charge dispute as I previously did business with XXXX XXXX. Transaction 1 was charged in the amount of {$9800.00} on XX/XX/2019 and transaction 2 was charged in the amount of {$4100.00} on XX/XX/2019. Neither of the charges were approved by me the consumer and services were not rendered. I attempted to address these charges through the Chase and I was told it was in fact the Chase 's Dispute Department would and had resolved since I previously had authorized the contractor for other charges. However on XX/XX/XXXX I received an alert from XXXX  that my Credit card balance had a dramatic changed and I noticed a charge back in the amount under dispute. I have submitted to Chase countless documents stating my position regarding the fraudulent activity of XXXX XXXX. 

I have bank statements and and contacts showing I paid other contractors to do the job.