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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX Credit card opened in XXXX of 2022 A personal credit card was taken out in my name using my social security number with an address i have never lived at. This is not me or my credit card.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, the promotional balance is at {$1500.00} and is not due until XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I have made a purchase of {$1200.00} ( see attached ) and selected the 24-month financing, at that time the balance was at {$2700.00}, calculated from the available credit of {$230.00}. On XXXX XXXX, XXXX, I have made about 5 more purchases on Best Buy with the total of {$960.00}, I was getting some denial message at that time, upon checking with customer service that was due to insufficient credit line. I have immediately made a payment of {$100.00}, as well as on XXXX XXXX, XXXX, a payment of {$1000.00} to make sure those five transactions can go through.On XXXX XXXX, XXXX, the account balance was at {$2900.00} with the available credit of {$63.00}. On XXXX XXXX, XXXX, I have made a purchase of {$13.00}, as well as two transactions of {$160.00} on XXXX XXXX, XXXX, and {$66.00} on XXXX XXXX, XXXX. - Now it shows I have a balance of {$3000.00} but the promotional balance is at {$1600.00}, meaning I will need to pay {$1300.00} in the upcoming statement to avoid interest, but in my calculation, that : - If {$2700.00} is not due until XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, made some purchases on XXXX/XXXX/XXXX for {$960.00}, and paid off {$1100.00}, the promotion balance should still be at {$2600.00}, meaning I should only need to pay the purchase of {$13.00}, as well as two transactions of {$160.00} on XXXX XXXX, XXXX, and {$66.00} on XXXX XXXX, XXXX, for total of {$240.00}.
Product: Checking or savings account

Bank of America intentionally delayed investigation into unauthorized and fraudulent transactions on my account. I was consistent with following up, provided plenty documentation and thorough analysis of the case. My money was used and abused by fraudsters in connection with merchants specifically grocery chains where my atm debit card was scanned and reused of purchase of goods not easily traceable. I spoke with bank multiple times stressing situation I was denied claim and message was sent via online banking stating claim not paid and I authorized transactions with signed contract. Not true because I didnt have any contacts with grocery store nor did I signed anything. Totally brazen action of the bank not to mention cruelty of their employees blatantly lying to me and being extremely disrespectful including discriminatory behavior towards me. I do speak English and I definitely demand a thorough investigation documents. I kindly requested re-investigation because I am confident my money was stolen by professional hackers and criminals. I have not received any response. If bank doesnt return / credit my money back to my account I have no other choice than follow law suit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I check my credit through XXXX  's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX  and transunion directly, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX  stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Assistance XXXX XXXX XXXX XXXX, PA XXXX Subject : IMMEDIATE REMOVAL OF UNVERIFIABLE DATA FINAL LEGAL NOTICE To Whom It May Concern, This is a formal demand for immediate removal of inaccurate, unverifiable, and outdated information appearing on my XXXX report. I am disputing the following accounts, which must be immediately deleted : XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX Pursuant to 15 U.S.C. 1681c ( a ) ( Section 605 of the Fair Credit Reporting Act - FCRA ), consumer reporting agencies are prohibited from reporting any information that is obsolete, inaccurate, or unverifiable. LEGAL BASIS FOR REMOVAL Under 15 U.S.C. 1681c ( a ), any outdated, inaccurate, or unverifiable data must be permanently removed from my file. XXXX, as a credit reporting agency, is legally obligated to ensure only fully verified, accurate, and up-to-date information remains on my report. I have previously requested verification of these accounts, and neither XXXX nor the furnishers have provided original documentation proving the accuracy of this data. This is a direct violation of 15 U.S.C. 1681s-2, which mandates that only accurate and verifiable information can be reported. Since you can not provide original, legally binding documents proving I authorized these accounts, you are required by law to remove them immediately. IMMEDIATE ACTION REQUIRED 1. Permanently delete the above-listed accounts from my XXXX report in accordance with 15 U.S.C. 1681c ( a ). 2. Provide written confirmation that these accounts have been permanently removed. 3. Provide a copy of my updated XXXX report reflecting these deletions. 4. Cease all future reporting of these accounts to any third parties. 5. Remove any address on my report that isn't XXXX XXXX XXXX. # XXXX XXXX, Pa XXXX LEGAL CONSEQUENCES FOR NON-COMPLIANCE Failure to comply within 30 days will result in : Legal action under 15 U.S.C. 1681n ( willful violations of the FCRA ). Legal action under 15 U.S.C. 1681o ( negligent violations of the FCRA ). Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulators. This is NOT a simple dispute ; this is a legal demand for immediate deletion under federal law. If XXXX fails to comply, I will pursue all available legal remedies without further notice. You are required to respond within 30 days from the date of this letter, as mandated by
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file 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  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Checking or savings account

chase banks or j.p. morgan chase account created in my name will not tell me why or if its attached to some other account
Product: Credit reporting, credit repair services, or other personal consumer reports

In spite of my disputes directly with XXXX, XXXX and TransUnion, they have all failed to update my respective credit files with respect to my XXXX account since the end of XX/XX/2022. This has adversely impacting my credit profile and thus my financial health. Further this failure to update my XXXX account is in violation of the Fair Credit Reporting Act, which legally obliges credit providers as well as credit reporters to make prompt regular monthly reports with fail!
Product: Credit card or prepaid card

I opened a secured credit card with {$500.00} in XX/XX/XXXX with XXXX. The card changed ownership to Capital One in XXXX. I closed the card today and asked for my {$500.00} back, and Capital One said their records say it was always an unsecured credit card and that I never paid {$500.00} to open it. They're the ones that provided that XX/XX/XXXX date, so I went to my XXXX XXXX XXXX account to get my statement from that date, and they told me they only keep records for 7 years! So i apparently just lost {$500.00} ( or more accurately, a bank stole it from me! ).
Product: Credit reporting or other personal consumer reports

I filed 11 investigations with Experian from XXXX/XXXX/2024 to XX/XX/year>2024 ( and multiple reports prior to these dates ) to dispute inaccurate findings. I had spoken with the companies that filed the reports and had additional documentation that I submitted to Experian to refute the accuracy of the credit reports. In many of these cases, Experian did not complete its investigation within the 30 day timeframe. Additionally, none of the statements from Experian provided any evidence of its investigation. All that was included was the following statement : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' For some of the reports, the following statement was included " The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. '' However, Experian then added additional items to my credit report, without providing any detailed reason. I have attempted to notify Experian on multiple occasions for additional information, which is additionally documented by the additional credit disputes I filed for the same accounts.
Product: Credit card or prepaid card

I contacted Fortiva/XXXX XXXX  credit services on XX/XX/XXXX about canceling my purchase before the product was even delivered, and they advised it had been canceled. I received a notice in the mail that my account had an outstanding balance of {$350.00} from a charge for this product. I contacted XXXX XXXX customer service on XX/XX/XXXX about this charge, and they advised me to contact Fortiva. I contacted Fortiva to file a dispute against XXXX XXXX, because I never received the product. They stated a dispute was open & in process, but I am still being charged high interest on my balance & my credit report is being affected.
Product: Credit reporting or other personal consumer reports

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 Subject : Request for Reevaluation of Dispute Refusal under FCRA Section 611 ( a ) Dear Sir/Madam, I am writing to formally challenge the refusal to process my recent disputes concerning specific accounts detailed below, as indicated in your recent communication. These disputes were not re-investigated under the premise of Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which states that previously disputed items without new information may not require reinvestigation.

Accounts in Question : 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  ( Unverifiable charge-off balance, inaccurate payment history ) FCRA Requirements : Under the FCRA, specifically Section 611 ( a ), consumers have the right to dispute any item in their credit report that they believe to be inaccurate, incomplete, or unverifiable. The act stipulates : Section 611 ( a ) ( 1 ) : " If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file ... '' Section 611 ( a ) ( 2 ) ( A ) : " The reinvestigation must be completed not later than 30 days after the date on which the agency receives the notice of the dispute from the consumer. '' Request for Action : I included new and relevant information in my dispute submission that addresses the historical accuracy and the current status of the accounts in question, substantiating a legitimate request for a new investigation under the terms of the FCRA. The refusal to re-investigate these matters, citing them as previously disputed without new information, does not align with the new evidence provided, thus requiring further review under FCRA stipulations. 
I respectfully request that XXXX reconsider its decision and proceed with a full reinvestigation of these accounts, adhering to all pertinent laws and regulations during the process. I am prepared to provide additional documentation or clarification as needed to facilitate this process. 
Please acknowledge receipt of this letter and inform me about the next steps in resolving this matter. Thank you for your attention to this important issue. I look forward to your prompt and thorough handling of this dispute. 
Sincerely, XXXX XXXX
Product: Credit card

During XXXX XXXX my wife experienced several XXXX and I spent more tie in the hospital than home. Also, please keep in mind I pay my bills on time every month using my bill pay program through the XXXX XXXX XXXX. During this time apparently Best Buy transferred all financial dealings to Cti Financial/Citibank XXXX. When they did the account transfer I found out it only included my address, no email information or telephone number. Without being advised when I purchased the stove from Best Buiy the financing was for 18 months only and if the loan was not paid the financing was redone including all the interest not collected and increased my monthly payment from {$33.00} to {$45.00} monthly. 
I received a mailed notice from CTI that I amd late with my payments. I call in and told my account was fine and I never missed a payment so forget about The next month I receive another notice saying that I owe {$270.00} in late charges because I did n't make the complete payment. It is at this time I found out about the refinancing. My argument is that you NEVER notified me so please eliminate the late charges. It is then I am told things like I am stupid and delinquent on my payments. I asked for a supervisor and am told that they can not hear me and to all back never to get the same person etc. 
I was told that I am on email billing and that I signed to do such which I would never do because of confsion such as this. 
I then receive a letter from Citibank/USA dated XXXX XXXX, XXXX. They are willing to save up to XXXX and let me pay off the financing for {$1000.00}. Quite pleased with the offer as it me back to square XXXX and eliminate the XXXX in late charges and the refinancing scheme that they applied. I called and told the agent we wanted to pay the refinanced amount they offered, The agent said " just how will you pay this off? I told the that I felt it was none of their business but the money will be sent immediately. I was then told that the ofer is off as I can not tell them where I am going to get the money. Once again I asked to speak a supervisor and told that one will call back within 24 hours and it has never happened.
Product: Credit reporting or other personal consumer reports

I applied for a mortgage application on XX/XX/2024 and had my credit pulled. On a mortgage application it is required to pull credit from all 3 agencies : XXXX, Transunion and XXXX. I DID NOT GIVE CONSENT TO SELL MY INFORMATION and My mortgage broker did not sell my information but the credit agencies did! XXXX, TRANSUNION, XXXX. How is it legal for them to do sell my information without my consent? How can other lenders/broker BUY LEADS from you without gettting the consent from the Mortgage Broker that I hired to represent me?! 

I received 40 phone calls in 1 day from other lenders and mortgage brokers offering their services and although i appreciate the opportunity to shop around for the best loan product for my situation, If I choose to shop around that is my choice and should be under my control. I do not want nor did I approve selling my contact information to these other lenders and brokers! I continued to get at least 20 calls and text messages every day for a week.

Please help protect consumers with this illegal activity. 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. Account name : XXXX XXXX XXXX # : XXXX, Account name : DEPT OF EDUCATION/XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX Account name : XXXX 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 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

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXXXXXX has violated my rights on my XXXX report In accordance with the fair credit reporting act XXXXXXXX  account XXXX XXXX has violated my rights on my XXXX report In accordance with the fair credit reporting act XXXX account XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights on my transunion report 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish a account with my written instructions.

15 USC 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I received a XXXX XXXX from XXXX XXXX. Sometime in XXXX, I was expected to repay this loan. I contacted XXXX XXXX  and informed them of my being totally XXXX and unable to repay this loan. But I was going through the process to have the Government repay this loan on my behalf, through XXXX. 
I was ultimately determined to be 100 % XXXX and this loan was paid off by XXXX. 
( See Enclosed ). 
Just recently I applied for a Mortgage loan. And to my surprise, on my Credit Report was this XXXX XXXX  XXXX being in COLLECTIONS... 
I contacted XXXX, and was informed by them that this loan had been paid off in XXXX. 
Thus, after further review of my Credit Report, I found that ALL OF MY STUDENT LOANS were indeed paid off through XXXX. And the only negative on my reports is this XXXX issue. 
It seems that XXXX XXXX has taken the issue that whether or not a student is XXXX or not. If they do not personally repay their loan, XXXX will make sure their credit is destroyed for the ensuing future. This is an unfair practice implemented by this college, If a person is deemed XXXX, they should not be penalized for that XXXX. 
Al of the other student loans treated this writer fairly and the credit reporting for these loans are not reported negatively, as XXXX should not be allowed to treat this writer any differently for my XXXX.
Product: Credit reporting or other personal consumer reports

I suspect that FCRA 605B obligates us to remove any incorrect accounts from my credit report. Could you examine the documents? Some of the accounts listed have inaccuracies in reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry letters from XXXX state applications were placed at XXXX, and XXXX in my name. If doing so I would 've had to present my drivers license. Upon doing so, my name would n't have been submitted incorrectly nor my address. I have already been financing a vehicle since XXXX 2017 from a buy here pay here car lot. So, I had no need to be shopping to finance a vehicle around the dates of XXXX XXXX, and XXXX XXXX.
Product: Debt collection

im not sure how my social was used in this particular situation but i would like this to be removed from my credit report. i ave tried to get in contact with this company but no one has responded. i was n't given the chance to dispute this item before it was placed on my credit report. i feel this could of got resolved without damaging my credit. i never received any proof or documentation of the validity of this debt and because of that i am requesting this be removed from XXXX of my credit bureaus. ill will be talking this to the media as well as hiring an attorney to look into this matter further if national recovery does not choose to comply with this matter. I 'm hoping we can reach a positive agreement.
Product: Debt collection

When I pulled my credit-I found over 38 medical accounts for XXXX XXXX XXXX and a few other doctors offices and hospitals-I contact the medical offices and hospitals and found out that these charges are fraudulent and several of the accounts are charges for visits I didn't even attend. I contact the attorney general in my state and an attorney. They informed me to filed a fraud affidavit and complaint with their departments. I sent this paperwork to the credit reporting companies and to the this collection companies. American Collections and XXXX XXXX XXXX ( which are the same companies ) refuse to remove any of the accounts. I haven't received any paperwork and they keep reporting the accounts inaccurately on my credit reports. One account alone with the same account number and service date-shows a different amount owed with each credit reporting company.
Product: Money transfer, virtual currency, or money service

I am unable to transfer USD from my PNC bank to my bank in XXXX, using the XXXX  service. I am unable to link the PNC account to the XXXX. Please see attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  said I opened the credit card in 2017 at first I didn't remember it was so long ago but I have to consulting with my attorney we have determined it was fraud police were contacted also I contacted XXXX XXXX they said it was sold to XXXX XXXX XXXX XXXX I disputed both agencies because XXXX XXXX still reporting on my credit report so if it was sold why is it still reporting on my credit report also it is fraud I don't remember taking this credit card it is almost XXXX years old plus the balance is more than the credit card itself please fix this issue this is stopping me and my wife and my family from getting our home our first home I am XXXX it's hard for me and it's stressing me out the company is XXXX XXXX XXXX it is reporting twice on my credit report they are charging me twice XXXX XXXX XXXX is and also XXXX XXXX XXXX XXXX is charging for this fraud